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The payment is considered full compliance under all three schemes administered by the Employees’ Provident Fund Organisation (EPFO).

Updated : Dec 19, 2025

Employers get six months to regularise EPF omissions without full penalties

The Ministry of Labour and Employment introduces EES 2025, enabling employers to enrol workers left out of EPF between July 2017 and October 2025, with reduced penalties and a focus on formalising social security coverage.

Earlier, EPF members could withdraw only their own contributions with interest, usually limited to 50–100% depending on the reason.

Updated : Dec 18, 2025

Big EPFO changes: Withdraw PF via ATM & UPI by March 2026, says labour minister

Union Labour Minister Mansukh Mandaviya announced that EPFO subscribers will soon be able to withdraw their provident fund directly through ATMs and UPI, eliminating lengthy paperwork. He said the new digital withdrawal options are expected to be rolled out before March 2026. The move aims to make EPF access faster, simpler and more member-friendly.

P2M volumes rose 35% year-on-year to 37.46 billion transactions, outpacing 29% growth in P2P transfers.

Updated : Dec 18, 2025

UPI on fast track: Payments jump 34% as QR codes cross 709 million in India, says report

UPI processed a record 59.33 billion transactions during the quarter, up from 44.44 billion in Q3 2024. Transaction value climbed 21% to Rs 74.84 lakh crore.

Kaushik outlined three basic principles that, if followed consistently, could dramatically change long-term financial outcomes.

Updated : Dec 14, 2025

No stock tips, no shortcuts: Here’s how middle-class Indians can build ₹3-6 crore wealth

A financial expert stressed that this approach does not depend on market timing, stock tips, or shortcuts. Instead, it relies on patience and the power of compounding.

The new Labour Codes consolidate 29 labour laws into four unified codes covering wages, industrial relations, social security and working conditions.

Updated : Dec 13, 2025

New labour code: How in-hand salary, wage structure, savings would change from now on

Under the new framework, social security-linked contributions such as statutory PF, NPS contributions (where applicable), gratuity and other retirement-linked benefits are expected to increase for many employees, especially where existing salary structures do not meet the prescribed 50% threshold.

Under the labour codes, if allowances exceed 50% of total pay, the extra portion must be added back to “wages” for statutory deductions.

Updated : Dec 11, 2025

Govt ends confusion: New Labour Codes won’t cut your take-home pay if PF stays on Rs 15,000 ceiling

The Labour Ministry has confirmed that employees whose PF is calculated on the Rs 15,000 statutory wage ceiling will see no reduction in take-home pay. Any PF contribution beyond this limit remains voluntary and could tweak the take-home salary then.

Once the 8th Pay Commission is implemented, the existing DA will be folded into the revised basic pay, recalibrating your entire salary structure, allowances and retirement benefits.

Updated : Dec 9, 2025

8th Pay Commission: What happens to your DA hike until the new pay panel comes into effect?

The 8th Pay Commission has already been set up, and its Terms of Reference (ToR) were cleared by Prime Minister Narendra Modi on October 28. The Finance Ministry then formally issued the ToR through a resolution on November 3.

According to experts, employers will need to rebalance salary break-ups, especially for employees who currently draw large allowances or flexible components.

Updated : Dec 11, 2025

Labour codes 2025: How your wage structure will change now - check impact on salary structure, PF, tax

Under the new framework, wages, comprising basic pay, dearness allowance (DA) and retaining allowance, must account for at least 50% of total remuneration.

IndiGo has outlined specific processes for refunds, rebooking, and its Plan B policy to address affected ticket holders' needs.

Updated : Dec 6, 2025

Government steps in: IndiGo told to clear refunds; here’s how refunds, rebooking and Plan B will work for stranded travellers

IndiGo’s nationwide disruptions have intensified, leaving thousands of travellers stranded across major airports. With cancellations piling up, the government has stepped in, ordering the airline to clear all pending refunds and suspend rescheduling fees. As operational challenges persist, understanding IndiGo’s refund, rebooking and Plan B processes has become essential for affected passengers.

IndiGo’s nationwide disruptions intensified on Friday, with over 400 flights cancelled and major airports reporting widespread delays.

Updated : Dec 5, 2025

IndiGo flight cancelled? Check refund rules, DGCA compensation, rebooking, and your rights

IndiGo’s mass flight cancellations have left thousands of passengers seeking clarity on refunds and compensation. Here’s a quick guide to what the airline offers and what DGCA rules entitle you to.

Under the updated rules, banks may now extend import-linked GML to entities engaged in manufacturing or selling jewellery in domestic or export markets.

Updated : Dec 5, 2025

RBI expands gold metal loan access for jewellers, tightens use and monitoring norms

The Reserve Bank of India has overhauled its gold metal loan framework to simplify lending norms for jewellers and strengthen regulatory oversight. The updated rules, effective April 1, aim to harmonise treatment for domestic and export segments while improving monitoring of gold-based credit.

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.

News

Employers get six months to regularise EPF omissions without full penalties

Big EPFO changes: Withdraw PF via ATM & UPI by March 2026, says labour minister

UPI on fast track: Payments jump 34% as QR codes cross 709 million in India, says report

No stock tips, no shortcuts: Here’s how middle-class Indians can build ₹3-6 crore wealth

New labour code: How in-hand salary, wage structure, savings would change from now on

Govt ends confusion: New Labour Codes won’t cut your take-home pay if PF stays on Rs 15,000 ceiling

8th Pay Commission: What happens to your DA hike until the new pay panel comes into effect?

Labour codes 2025: How your wage structure will change now - check impact on salary structure, PF, tax

Government steps in: IndiGo told to clear refunds; here’s how refunds, rebooking and Plan B will work for stranded travellers

IndiGo flight cancelled? Check refund rules, DGCA compensation, rebooking, and your rights

RBI expands gold metal loan access for jewellers, tightens use and monitoring norms

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

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