Learn money, in plain words
Guides on EPF, NPS, tax, credit cards, credit scores, loans and investing, each fact linked to RBI, EPFO, the tax department or the bank that said it. Then a calculator to try it on your own numbers.
Trending in money this month
Get these on WhatsApp- Money rules changing in October 2026: PF, UPI, NPS, SBI and moreWhat changed · 5 October 2026
- EPF wage ceiling raised to ₹25,000: what changes on your payslipSalary and retirement · 5 October 2026
- UPI charges above ₹2,000 from 15 October 2026: do you pay?What changed · 5 October 2026
- EPF withdrawal rules 2026: how much you can take out, and whenSalary and retirement · 5 October 2026
- NPS withdrawal rules 2026: take up to 80% as a lump sumSalary and retirement · 5 October 2026
- HRA: Bengaluru, Hyderabad, Pune and Ahmedabad now get the 50% limitIncome tax · 5 October 2026
Latest
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 minSalary 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 minWhat 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 minSalary 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 minSalary 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 minIncome 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
Calculators
SIP calculatorLoan EMI calculatorCredit card EMI vs personal loanMinimum due calculatorCredit utilisation calculatorCredit score simulatorPPF calculatorFixed deposit calculatorIncome tax calculator: old vs new regimeEPF calculatorNPS calculatorGratuity calculatorHRA exemption calculatorSalary calculator: CTC to take-homeFee waiver calculator
Rates and calendars
Bank holidays
State-wise bank holidays from the RBI list, October to December 2026.
OpenCredit card changes tracker
Reward cuts, lounge rules and new fees announced by banks in 2026.
OpenFD rates compared
Fixed deposit rates at 17 banks for general and senior citizens.
OpenRepo and small savings rates
The RBI repo rate and PPF, SSY and SCSS rates, now and since 2019.
OpenIncome tax calendar
Advance tax, ITR and TDS deadlines through August 2027.
Open
Credit cards
Fee waivers, rewards, interest-free days, minimum due and the RBI rules behind your card.
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 minCredit 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
Credit score
What CIBIL and the other bureaus look at, and the habits that move your score.
Loans and EMIs
EMIs, card EMI against personal loans, APR and the Key Fact Statement.
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 minLoans 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
Investing
SIPs, compounding, inflation and what calculators cannot tell you.
Salary and retirement
EPF, NPS, gratuity and your payslip, under the labour codes and the ₹25,000 PF ceiling.
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 minSalary 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 minSalary 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 tax
The new Income-tax Act, old against new regime, HRA and what is tax free.
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 minIncome 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
What changed
Rule changes that touch your money, month by month, with the dates they start.
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 minWhat 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
Know something worth sharing?
Write a guide for Saifu. Your name goes on it, and every fact gets a source.
New articles by RSS: /blog/feed.xml. Paste it into any feed reader, such as Feedly or Inoreader, to get each new article as it is published.
Spot a mistake on this page? Tell us