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The average ticket size has increased from Rs 13,327 last year to Rs 15,177 in H1 FY25–26 -- indicating that borrowers are upgrading to higher-value loans as their credit histories strengthen.

Updated : Dec 3, 2025

Digital lending rises: Rs 97,381 cr sanctioned in digital loans as online lending captures 80% market share

According to the latest Digital Personal Loans Market Report for H1 FY25–26, 6.4 crore digital personal loans were sanctioned in the first half of the fiscal year, amounting to Rs 97,381 crore. The 6.4 crore sanctions mark a notable increase from 5.9 crore loans in H1 FY24–25.

For several months, rumours suggested that the government might stop increasing DA and DR after 2026 and instead merge them into the 8th CPC framework.

Updated : Dec 3, 2025

Will DA, DR merged with basic pay under 8th Pay Commission - Govt clarifies its stand in parliament

The Centre has formally notified the 8th Central Pay Commission, ending months of speculation. The government also clarified in Parliament that it is not considering any proposal to merge DA or DR with basic pay. This has reset expectations among employees awaiting salary and pension revisions.

Taxpayers who missed filing their FY25 returns, or those needing to correct errors in already filed returns, must submit their belated or revised returns by December 31.

Updated : Dec 2, 2025

Key compliance deadlines in December: Taxpayers, pensioners and PAN holders face critical cut-offs

December has become a make-or-break month for taxpayers, pensioners and PAN holders, with several critical compliance deadlines approaching. Missing these cut-offs can trigger penalties, blocked financial transactions or even suspension of pension benefits. From income tax filings to Aadhaar–PAN linking, individuals must act quickly to avoid costly disruptions.

What earlier required a few years of income now demands a decade or more of earnings.

Updated : Dec 1, 2025

Think your parents’ money advice still works? CA warns it may be costing you lakhs

For decades, the formula for financial security in Indian households sounded familiar: “Buy a house as soon as possible.” “A car loan is normal — everyone takes one.” “Use credit cards only in emergencies.”

The 8th CPC was announced in January 2025, but formal appointments and ToR were finalised only in October.

Updated : Dec 1, 2025

8th Pay Commission: Govt shared important update on DA-basic pay merger. Check details

The 8th Pay Commission, headed by Justice (Retd.) Ranjana Desai, will review and recommend changes to pay structures, allowances, pensions, and other benefits across a wide set of government roles.

A widespread misconception is believing that a will provides protection.

Updated : Dec 1, 2025

Silent threat to family wealth: Why inheritance without structure can destroy decades of hard work

Beyond family dynamics, inherited wealth is also exposed to creditors, lawsuits, business failures, and liabilities once it enters the beneficiary’s individual account.

Under the revised law, dependency becomes central: any person “wholly or substantially dependent” on an employee qualifies as family for statutory benefits.

Updated : Nov 29, 2025

New labour code expands who counts as family, boosting social security for more dependants

Debjani Aich, Partner at CMS INDUSLAW, says the shift reflects a deeper recognition of India’s evolving household structures and the rising number of workers—particularly women—who shoulder the primary financial burden for their extended family.

The new gratuity entitlement has been clarified as a benefit created specifically for fixed-term employees and not applicable to permanent staff.

Updated : Nov 28, 2025

Labour codes update: What new gratuity rules mean for fixed-term and contract workers

Under the updated framework, wages now include basic pay, dearness allowance and retaining allowance. If allowances exceed 50% of total compensation, the excess will be added back to wages for calculating social security contributions.

Currently, Motilal Oswal Alternates manages $3.2 billion across its private equity and real estate platforms.

Updated : Nov 28, 2025

Motilal Oswal Alternates to launch Rs 3,000 crore private credit fund as it enters new segment

MOA’s proposed fund will follow a diversified lending strategy, focusing on opportunities across growth-oriented sectors. The vehicle aims to deploy capital across growth credit, performing credit, special situations and dislocated credit, using a mix of structured and collateralised instruments.

Under the old system, combined PF contributions were around Rs 7,200 per month. Under the new wage structure, PF rises to Rs 12,000 per month.

Updated : Nov 26, 2025

New labour laws: How your in-hand salary vs retirement corpus will see a massive shift

Tax Buddy founder Sujit Bangar explains that while employees may initially be disappointed to see their net salary fall, the long-term gain is enormous—often to the tune of more than Rs 2.13 crore over a working lifetime. To demonstrate the mechanics of this shift, Bangar outlines a simple illustration.

Gratuity is a one-time payout given to employees for long-term service, calculated based on their last drawn basic salary plus dearness allowance and total years of service.

Updated : Nov 26, 2025

Gratuity framework 2025: Faster eligibility, bigger payouts as wage base expands under revised labour rules

The new gratuity rules introduced by the government significantly expand access to social security benefits for India’s growing fixed-term and contract workforce. One of the biggest reforms is the sharp reduction in the service requirement for gratuity eligibility. Fixed-term employees, who earlier needed five years of continuous service to qualify, will now become eligible after just one year.

With UPI Circle Full Delegation, family members can enable elderly relatives to make payments securely and independently.

Updated : Nov 25, 2025

BHIM introduces UPI Circle delegation for seniors, young users to transact independently within preset limits

The UPI Circle Full Delegation feature allows primary users to set a monthly spending limit of up to Rs 15,000 for secondary users, with an authorisation period ranging from one month to a maximum of five years.

The new codes have redefined wages, which mandate that Basic Salary must form at least 50% of total pay, fundamentally altering PF, gratuity, allowances and take-home salary across the board.

Updated : Nov 25, 2025

New Labour Law 2025 salary calculator: How CTC of Rs 7 lakh, Rs 10 lakh and Rs 15 lakh will change

India’s long-awaited Labour Codes finally came into effect on November 21, 2025, triggering the biggest salary restructuring shift in decades. While these reforms overhaul compliance and employment norms, the most immediate impact is on how companies structure salaries and how much employees take home each month.

Fixed-term employees will now become eligible for gratuity after just one year of continuous service, with an expanded definition of wages that raises the calculation base and boosts payouts.

Updated : Nov 25, 2025

New Labour Codes 2025: Who will now qualify for gratuity after one year of service instead of five

Under the updated framework, fixed-term workers will be treated on par with permanent employees in wages and benefits, with one key difference: the gratuity qualifying period has been reduced to one year, provided the worker completes at least 240 days of continuous service in that period.

In a volatile world where client loss, market shifts, or economic cycles can destabilise income overnight, he argues that “you can’t hedge life, but you can hedge your income.”

Updated : Nov 23, 2025

‘A right partner can change your net worth’: CA explains why relationships are a financial decision

The financial expert also dismantles a common belief: “If I earn more, I’ll naturally save more.” In reality, he says, savings rise only when they are consciously planned, not when income grows by default.

The mandatory issuance of appointment letters is one of the strongest formalisation measures in the new codes.

Updated : Nov 22, 2025

New labour codes: Fixed-term jobs get boost, gratuity in one year, PF access, nationwide social security

Under the reforms, fixed-term employees can now receive gratuity after just one year of service—far lower than the traditional five-year requirement that continues for permanent staff.

Updated : Nov 22, 2025

New labour codes: Take-home pay may dip as PF and gratuity rise under unified definition of wages

Currently, PF is calculated at 12% of basic salary. With basic pay and allowances now forming a larger portion of ‘wages,’ mandatory PF contributions will rise without an increase in overall CTC—leading to a likely reduction in take-home earnings.

Big labour reset: Fixed-term employees to qualify for gratuity in one year, not five

Updated : Nov 22, 2025

Govt scraps 5-year gratuity rule for fixed-term workers, now payable just after 1 year: Details here

The change is part of a sweeping overhaul that merges 29 labour laws into four consolidated labour codes aimed at expanding social security and modernising workplace protections.

An internal labour ministry assessment suggests that increasing the limit by Rs 10,000 could bring more than one crore additional workers under mandatory EPF and EPS coverage.

Updated : Nov 20, 2025

EPFO may raise wage ceiling to Rs 25,000, bringing over 1 crore more workers into pension cover

Under the present rules, only employees earning up to Rs 15,000 in basic pay must be brought under EPF and EPS. Those earning even marginally above this can opt out, and employers are not obligated to register them

The CPC is constituted by the Government of India under Article 309 to review and revise the pay, allowances and pensions of central government employees and defence personnel.

Updated : Nov 20, 2025

8th Pay Commission: Staff union urges PM to amend 8th CPC ToR, highlight pension gaps for pensioners

In a detailed letter to PM Modi, the union said the current ToR lacks clarity on several key issues, particularly pension revision, pension parity and the future of various pension schemes. One of the major objections raised is the absence of a specified implementation date.

The previous, 20th instalment of the scheme was released on August 2, 2025, when the PM transferred around Rs 20,500 crore to the accounts of 9.7 crore beneficiaries.

Updated : Nov 19, 2025

PM-KISAN 21st instalment: PM Modi releases Rs 18,000 cr for over 9 cr farmers; how to check payment status

PM Narendra Modi on Wednesday released the 21st instalment of the PM-KISAN scheme, transferring over Rs 18,000 crore to more than nine crore farmers. The payout, made through direct bank transfers, continues the Centre’s flagship income-support programme for cultivators. Launched in 2019, PM-KISAN provides Rs 6,000 annually to eligible farming households across India.

News

Digital lending rises: Rs 97,381 cr sanctioned in digital loans as online lending captures 80% market share

Will DA, DR merged with basic pay under 8th Pay Commission - Govt clarifies its stand in parliament

Key compliance deadlines in December: Taxpayers, pensioners and PAN holders face critical cut-offs

Think your parents’ money advice still works? CA warns it may be costing you lakhs

8th Pay Commission: Govt shared important update on DA-basic pay merger. Check details

Silent threat to family wealth: Why inheritance without structure can destroy decades of hard work

New labour code expands who counts as family, boosting social security for more dependants

Labour codes update: What new gratuity rules mean for fixed-term and contract workers

Motilal Oswal Alternates to launch Rs 3,000 crore private credit fund as it enters new segment

New labour laws: How your in-hand salary vs retirement corpus will see a massive shift

Gratuity framework 2025: Faster eligibility, bigger payouts as wage base expands under revised labour rules

BHIM introduces UPI Circle delegation for seniors, young users to transact independently within preset limits

New Labour Law 2025 salary calculator: How CTC of Rs 7 lakh, Rs 10 lakh and Rs 15 lakh will change

New Labour Codes 2025: Who will now qualify for gratuity after one year of service instead of five

‘A right partner can change your net worth’: CA explains why relationships are a financial decision

New labour codes: Fixed-term jobs get boost, gratuity in one year, PF access, nationwide social security

New labour codes: Take-home pay may dip as PF and gratuity rise under unified definition of wages

Govt scraps 5-year gratuity rule for fixed-term workers, now payable just after 1 year: Details here

EPFO may raise wage ceiling to Rs 25,000, bringing over 1 crore more workers into pension cover

8th Pay Commission: Staff union urges PM to amend 8th CPC ToR, highlight pension gaps for pensioners

PM-KISAN 21st instalment: PM Modi releases Rs 18,000 cr for over 9 cr farmers; how to check payment status

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