Personal Finance
Emergency Fund: How Much You Actually Need
Three to six months of your expenses, not your salary. Where to keep it, why PF and equities do not count, and…
Bhavik Vaid writes on Indian markets, taxation, banking and personal finance for CADialogue. He covers RBI policy, GST and income-tax changes, mutual funds and market moves, translating them into practical guidance for retail investors, salaried professionals and business owners in India.
Personal Finance
Credit Score From Zero: How to Build One in India
Never taken a loan? You do not have a bad score, you have no score. Here is how to build one from…
Personal Finance
New PF Withdrawal Rules 2026: What Changed
Partial withdrawals got easier: 13 categories became 3, with up to 75% available. Closing the account got harder: a 12-month wait, and…
Banking
UPI Limit Per Day: How Much You Can Actually Send
You can send Rs 1 lakh a day on UPI. Verified merchant categories allow up to Rs 5 lakh per transaction. Why…
Markets
Gold at Record High: Should You Buy Now?
Gold traded around Rs 1.45-1.52 lakh per 10g for 24K in early August 2026. A framework for deciding whether to buy, rather…
Tax & GST
28% GST on Online Gaming: What the Supreme Court Ruled
The Supreme Court held that 28% GST applies to the full face value of every bet, not the platform's commission, and validated…
Economy
8th Pay Commission Fitment Factor: What Is Decided
The fitment factor has not been announced. Every number in circulation is an estimate or a union demand, and the gross rise…
Tax & GST
Income Tax Act 2025: What Changed From 1 April 2026
The Income-tax Act, 2025 came into force on 1 April 2026, cutting 819 sections to 536 and replacing Assessment Year and Previous…
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Banking
Will UPI Be Charged? What the New Law Actually Says
The Ministry of Finance confirmed on 8 August 2026 that consumers face no UPI transaction charges and all person-to-person transfers stay free.
Tax & GST
How to Save Tax on Salary in India: A Practical Guide
Saving tax on salary starts with choosing the right regime. What survives in the new regime, where the money actually is in…