Sayli Gadakh

Financial freedom is not about owning everything today; it is about the ability to choose tomorrow. Bharath, a 34-year-old salaried professional in Pune, earns Rs 85,000 a month. On paper, he’s doing well. He owns a 2BHK apartment, drives a decent car, recently upgraded to a premium smartphone, and his home is filled with modern appliances. But by the 25th of every month, his bank balance is close to zero. Where does the money go? A closer look reveals the answer: EMIs. Rs 32,000 for a home...

The much-publicised Rs 12 lakh tax-free benefit is real—but only for taxpayers with limited deductions. With FY 2025–26 underway, taxpayers across India are once again faced with a crucial decision—whether to continue with the traditional old tax regime or shift to the new regime under section 115BAC. The debate has gained fresh momentum this year, driven largely by the widely discussed claim that individuals can pay zero tax up to Rs 12 lakh under the new regime. While this headline has...

From UPI payments to credit cards and loans, recent financial changes are making everyday transactions safer, faster and easier to manage. India’s financial system is changing quickly, especially with the growth of digital payments and stricter banking rules. Recent updates in UPI payments, credit cards and loans are designed to make transactions safer, more transparent and easier for everyone. From paying a grocery bill to applying for a home loan, these changes are beginning to affect the...