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13 Reasons Why You Need to File Income Tax in India

13 Reasons Why You Need to File Income Tax in India

I am a tuition teacher, I don’t need to file income tax. I am just a middle-class woman earning some money from my home kitchen, surely, I don’t need to file income tax. If you can relate to these statements then it’s probably time, we enlighten you on

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Home loans for low credit scores

Home loans for low credit scores

If your credit score is low that affects your financial standing, therefore a good credit score is in your best interest. There are important factors that is looked at before credit is attained. Banks and NBFCs do consider certain crucial financial aspects before sanctioning any type of credit

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Ombudsman Scheme for Digital Transactions (OSDT)

The Reserve Bank of India (RBI) launched the Ombudsman Scheme for Digital Transactions (OSDT) vide a notification dated 31 January 2019 for redressal of complaints against ‘system participants’ as defined in the said scheme. It is an expeditious and cost-free apex-level mechanism for resolution of complaints regarding digital

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How to Find Health Insurance for International Student Travel

How to Find Health Insurance for International Student Travel

Students and parents of students who are going abroad often wonder how to find health insurance for international student travel. If you are also worried about this, then you should read on. Here are a few simple steps you can follow to pick the best possible insurance option

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Personal Income Tax Provisions for FY 2018–19

Death, taxes and childbirth! There’s never any convenient time for any of them. 
~ Margaret Mitchell
You may not have made resolutions and lifestyle changes in the New Year, but your financials for sure will undergo a few impacting alterations. Although the finance ministry may not have made significant

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What are chit funds?

A chit fund is an arrangement where a set number of people come together to contribute a fixed amount at intervals. This forms a pool or a kitty. During the process of collection, any member can draw a sum through ways like a lucky draw, an auction or

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What is E Payment and Types of E Payment Services

If you are new to the world of online payments, then you must know what is e payment, what e payment services are available today and the types of e payment system. This information will help you to do your online transactions smartly and safely.
What is E

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Is it safe to shop online with a debit card?

If you are an Indian consumer who often wonders is it safe to shop online with a debit card then you should know the answer is yes. You just need to ensure that you become a smart person and avoid pitfalls that can compromise your financial information and

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Online Banking Guide: The Advantages and Disadvantages

In simple terms, online banking or internet banking is the means to manage money online or through your mobile or computer. An online bank offers customers just about every service traditionally available through a local branch, including deposits to online bill payment. Banks pay a leading role in

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Liquid Mutual Fund – Buying Guide

Liquid funds are short termed income schemes that invest in money market instruments such as government securities, treasury bills among others. If you have idle money in your account, it is best to invest it in a liquid fund for short time periods.
Let us take an example,

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How to choose the best Liquid Mutual Fund

Liquid funds are best for those who are looking for short-term investment avenues. Instead of keeping it in a savings bank account, you can invest that recent bonus which you received in a liquid fund. In this case, you want to know the parameters of choosing the best liquid

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What are Liquid Mutual Funds?

Liquid funds are mutual funds that invest your money in short-term market instruments such as treasury bills, government securities, commercial papers and term deposits. These funds have low maturity period (3-6 months) and you can save money for example your child’s school fees. It is a low-risk instrument

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To Invest or Not Invest in Ponzi Schemes

As a wise man once said, ‘there is a sufficiency in the world for man’s need but not for man’s greed.’ Probably this thought defines why ponzi schemes continue to flourish across the world despite the unearthing of various scams and the resultant bad press. While the one

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Ponzi Scheme – Precautions to take

A Ponzi scheme is an investment fraud that promises quick, easy, and significant returns on investments with little or no risk. Ponzi schemes are also known as pyramid schemes they pay existing investors out of the money invested by new investors. These schemes require a constant flow of

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Buying Guide: How to buy Best Term Life Insurance Plans?

‘Why should I keep paying for a product that does not give anything in return?’ is a common question that people ask insurance advisors. Not everyone can appreciate the fact that one pays a premium because there is a guarantee that if something untoward happens to him or

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How to File an RTI Online?

The Right to Information Act (RTI) is considered to be one of the strongest pieces of legislation as it gives citizens the power to question public authorities and their activities, thereby not only promoting transparency, but demanding accountability as well. A normal citizen can keep an eye on

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Payment Banks: So that no one is left out

Lately, ‘payment banks’ have been a lot in the news. What exactly are these ‘banks’ and are they going to be any different from the regular banks? Who are their primary target customers? What is their future likely to be in the banking system? Will they be allowed to stay independent

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What is E Aadhar Card? | E-Aadhar Card Benefits

The digitalization wave has hit India, and the Indian government is also not untouched by it. Thanks to digitalization, the government has thought of compiling a single central database that will collect and store information of all the citizens in one place. The result of this thinking is

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Download E Adhar Card Online | E-Adhar Card Status

Adhar card is a way of life in India now. to make things easier, all information is available online and there is a provision to download e-adhar card. This article is all about – how to download an e aadhar card, how to get e aadhar, and how

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A Comprehensive Guide for Retirement Planning in India

It is a well-known fact that a few years after you start your professional life, you start coming across terms like retirement planning, best retirement plans, the best retirement age and retirement benefits. If you are also listening to these terms a bit too often and you are

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The Most Definitive Guide to Pradhan Mantri Awas Yojna

Almost every Indian dreams of having his or her own home. If you are among them and you aren’t able to afford one till date, then you should know of Pradhan Mantri Awas Yojna home loan assistance scheme which will make your dream of owning a home in

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Reliable Pradhan Mantri Awas Yojna Bank List

When people think about applying for Pradhan Mantri Awas Yojna, they often wonder where they can get Pradhan Mantri Awas Yojna Bank List. If you are also wondering the same, then you should be happy to know that there are more than 80 banks that will help you

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Understanding the Cooperative Banking Structure in India

Some cooperative banks are older like their peers in the commercial banking sector. There are cooperative entities as old as 1906 & later, who first ventured into the cooperative sector as a cooperative credit society serving limited clientele in the agricultural sector with limited membership holding shares. Later

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List of Cooperative Banks in India

Cooperative banks have limited branches in the country. They are mostly concentrated in the States where they were originally established by some distinguished farmers or socially-committed Samaritans after obtaining license from the RBI. It has been seen that as the coop banks cater to a particular community who

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All You Need to Know About Filing GST Return Online

Every entity that is registered under GST needs to file a GST return. Even if an entity fails to make a purchase or sales in the given period, it still needs to file a Nil return. If you are curious to know the GST return filing procedure or

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How to do GST Registration Online and Get a GST Number?

GST stands for the goods and services tax. It is mandatory for every dealer with a turnover of INR 20 lakh (10 lakh in some states) to register for GST. If you fall under that category, then you should know the process of GST registration online, fill the

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Buying Guide: How to choose the best retirement plans

What you need to know before you start investing in a unit linked retirement plan?

Unit linked life insurance plans are different from traditional insurance plans (endowment/participating) and are subject to different risk factors.
Premiums paid in unit-linked life insurance plans are subject to investment risks associated

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Bank must compensate woman for sharing info with estranged husband

A bank has a relationship of fidelity with its customers and it cannot share their personal information or financial statement with anyone else, the Delhi State Consumer Commission said while holding a private bank, HDFC, guilty of deficient service by providing account details of a woman to her

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Railways must compensate for dosa served with iron screw

The consumer forum in Bengaluru has directed the Chief Regional Manager, Railways, to shell out Rs 6,500 as compensation for serving a dosa with an iron screw in it, to one (retd) Col. RC Gupta. The consumer forum comprising president T Shobhadevi and member V Anuradha said that

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What is 80c?

Taxes are an essential part of the Indian economy. All people, companies or entities who earn more than a specified income are bound to pay taxes to the government which enables the government to earn revenue and let a taxpayer enjoy some basic facilities. If you are also

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How to Apply for a PAN Card Online?

Permanent Account Number is an important document that comes in handy while doing any transaction be it opening a savings bank account or applying for a debit card. It allows the income tax department to track the income of any individual, company, Hindu Undivided Family or any other

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Railways can’t be blamed for chain snatching through window: NCDRC

The Indian Railways cannot be blamed for a chain-snatching incident if the ‘miscreant’ is outside the train compartment, the National Consumer Disputes Redressal Commission (NCDRC) said while quashing lower-fora orders holding it responsible for the loss to a passenger.
The NCDRC’s observation came on a revision petition by

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Currency notes likely to cause diseases: Food safety authority

The Food Safety and Standards Authority of India (FSSAI) has issued a warning that currency notes and coins can cause infection and diseases. The unhygienic and careless handling of currency notes and coins is the reason for infection. The FSSAI has directed the food safety commissioners to organize

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