https://saifu.in/blog/Plain writing about Indian credit cards.en-in https://saifu.in/blog/money-changes-october-2026/https://saifu.in/blog/money-changes-october-2026/Mon, 05 Oct 2026 00:00:00 GMTEvery 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. https://saifu.in/blog/epf-wage-ceiling-25000/https://saifu.in/blog/epf-wage-ceiling-25000/Mon, 05 Oct 2026 00:00:00 GMTThe 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. https://saifu.in/blog/upi-charges-above-2000/https://saifu.in/blog/upi-charges-above-2000/Mon, 05 Oct 2026 00:00:00 GMTA 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. https://saifu.in/blog/epf-withdrawal-rules-2026/https://saifu.in/blog/epf-withdrawal-rules-2026/Mon, 05 Oct 2026 00:00:00 GMTUnder 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. https://saifu.in/blog/nps-withdrawal-rules-2026/https://saifu.in/blog/nps-withdrawal-rules-2026/Mon, 05 Oct 2026 00:00:00 GMTSince 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. https://saifu.in/blog/hra-50-percent-eight-cities/https://saifu.in/blog/hra-50-percent-eight-cities/Mon, 05 Oct 2026 00:00:00 GMTFrom 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. https://saifu.in/blog/income-tax-act-2025-what-changed/https://saifu.in/blog/income-tax-act-2025-what-changed/Mon, 05 Oct 2026 00:00:00 GMTThe 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. https://saifu.in/blog/gold-loan-rules-2026/https://saifu.in/blog/gold-loan-rules-2026/Mon, 05 Oct 2026 00:00:00 GMTRBI'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. https://saifu.in/blog/card-emi-vs-personal-loan/https://saifu.in/blog/card-emi-vs-personal-loan/Mon, 05 Oct 2026 00:00:00 GMTHow 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. https://saifu.in/blog/credit-score-explained/https://saifu.in/blog/credit-score-explained/Mon, 05 Oct 2026 00:00:00 GMTWhat a CIBIL score is, what moves it, what NA or NH means, and how to check yours for free without lowering it. https://saifu.in/blog/how-fee-waivers-work/https://saifu.in/blog/how-fee-waivers-work/Mon, 05 Oct 2026 00:00:00 GMTWhat counts towards the spend that waives your annual fee, what usually does not, and how to tell in time whether you will make it. https://saifu.in/blog/minimum-due-trap/https://saifu.in/blog/minimum-due-trap/Mon, 05 Oct 2026 00:00:00 GMTWhy paying only the minimum amount due keeps you in debt for years, what RBI rules protect you, and how to get out faster. https://saifu.in/blog/sip-basics/https://saifu.in/blog/sip-basics/Mon, 05 Oct 2026 00:00:00 GMTWhat a SIP is, how the growth is worked out, why a yearly step-up matters, and what a SIP calculator cannot tell you. https://saifu.in/blog/epf-explained/https://saifu.in/blog/epf-explained/Sun, 04 Oct 2026 00:00:00 GMTHow 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. https://saifu.in/blog/gratuity-labour-codes/https://saifu.in/blog/gratuity-labour-codes/Sun, 04 Oct 2026 00:00:00 GMTGratuity 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.