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Plain writing about money in India, by the Saifu team and guest writers. Write for us.
What changedMoney rules changing in October 2026: PF, UPI, NPS, SBI and moreEvery money change for October 2026 in one place: the ₹25,000 PF ceiling, UPI merchant fees, NPS charges, SBI ATM limits, small savings rates and deadlines.Saifu team · 5 October 2026 · 2 min
Salary and retirementEPF wage ceiling raised to ₹25,000: what changes on your payslipThe PF wage ceiling went from ₹15,000 to ₹25,000 on 17 September 2026. What it means for take-home pay, your EPF balance and your EPS pension.Saifu team · 5 October 2026 · 2 min
What changedUPI charges above ₹2,000 from 15 October 2026: do you pay?A 0.4% merchant fee on UPI payments above ₹2,000 starts on 15 October 2026. Customers pay nothing. What is charged, what stays free, and RuPay credit cards.Saifu team · 5 October 2026 · 1 min
Salary and retirementEPF withdrawal rules 2026: how much you can take out, and whenUnder the EPF Scheme, 2026 you can withdraw up to 75% of your balance after 12 months of service. The reasons, the limits and the new waits.Saifu team · 5 October 2026 · 2 min
Salary and retirementNPS withdrawal rules 2026: take up to 80% as a lump sumSince December 2025, non-government NPS subscribers can take up to 80% at exit, and all of it below ₹8 lakh. The new rules, the tax catch and the charges.Saifu team · 5 October 2026 · 2 min
Income taxHRA: Bengaluru, Hyderabad, Pune and Ahmedabad now get the 50% limitFrom tax year 2026-27, eight cities get the 50% HRA limit, up from four. How the exemption works and how much more tax-free HRA you could claim.Saifu team · 5 October 2026 · 1 min
Income taxThe new Income-tax Act, 2025: what changed for salaried peopleThe 1961 Act was replaced on 1 April 2026. Tax year, new section numbers, Form 130 instead of Form 16, and what stayed the same for 2026-27.Saifu team · 5 October 2026 · 2 min
Loans and EMIsGold loan rules from April 2026: how much you can borrowRBI's tiered loan-to-value limits for gold loans: 85% up to ₹2.5 lakh, 80% up to ₹5 lakh, 75% above. Plus valuation and the 7-day return rule.Saifu team · 5 October 2026 · 2 min
Loans and EMIsCredit card EMI or personal loan: which costs less?How interest, GST and processing fees change the real cost of a card EMI, a no-cost EMI and a personal loan, with the RBI rules behind them.Saifu team · 5 October 2026 · 2 min
Credit scoreYour credit score in India, explainedWhat a CIBIL score is, what moves it, what NA or NH means, and how to check yours for free without lowering it.Saifu team · 5 October 2026 · 2 min
Credit cardsHow credit card fee waivers work in IndiaWhat counts towards the spend that waives your annual fee, what usually does not, and how to tell in time whether you will make it.Saifu team · 5 October 2026 · 2 min
Credit cardsThe minimum due trap on credit cardsWhy paying only the minimum amount due keeps you in debt for years, what RBI rules protect you, and how to get out faster.Saifu team · 5 October 2026 · 2 min
InvestingSIP basics: how monthly investing growsWhat a SIP is, how the growth is worked out, why a yearly step-up matters, and what a SIP calculator cannot tell you.Saifu team · 5 October 2026 · 1 min
Salary and retirementEPF explained: contributions, interest, pension and taxHow EPF works in 2026: the 12% contributions, where the employer's share goes, how 8.25% interest is worked out, the EPS pension and when EPF is taxed.Saifu team · 4 October 2026 · 2 min
Salary and retirementGratuity under the new labour codes: who gets it and how muchGratuity after 1 year for fixed-term staff, the 50% wage rule, the 15/26 formula and the ₹20 lakh tax-free limit, explained for 2026.Saifu team · 4 October 2026 · 2 min
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