Paise ki पक्की jaankari.
SIP se sarkari yojana tak, tax se fraud-suraksha tak — sab kuch aasaan Hindi me. Koi tips nahi, koi shortcut nahi. Har article official source se verify hota hai, tabhi publish hota hai.
Kahan se shuru karein?
Mutual Funds & SIP
SIP kya hai, kaise shuru kare, kaunsi galtiyan na kare — pehla nivesh yahin se samjhiye.
FD vs Mutual Fund 2026: Tax के बाद असली Return किसका ज़्यादा है?
FD vs mutual fund — 6.5% ki FD 30% slab me sirf 4.47% deti hai, aur July 2026 ki mehngai 4.45% thi. Debt fund, arbitrage fund aur equity fund se seedhi tulna, ₹10 lakh par 5 saal ka worked hisaab, DICGC ka ₹5 lakh wala sach, TDS ka niyam aur FD kab sahi hai.
Rohan Deshmukh•23 Aug 2026•12 min read
₹1,000 की SIP से 20 साल में कितना मिलेगा? असली हिसाब, Tax के बाद
1000 ki SIP se 20 saal me kitna milega — 12% par ₹9,99,148, par inflation, expense ratio aur LTCG ke baad haath me kitna bachta hai। ₹2 crore wali headline ka sach, step up SIP ka farak, aur 500 rupees SIP se kitna banega — sab asli numbers ke saath।
Rohan Deshmukh•22 Aug 2026•13 min readShare Market
Demat account se lekar IPO tak — market ki basics, bina tips ke.
Demat Account Kya Hai? Charges, BSDA और Nominee के नए नियम (2026)
Demat account kya hai aur kaise kaam karta hai — demat aur trading account me fark, NSDL vs CDSL kaise pehchane, AMC aur DP charges ka asli hisaab, BSDA me ₹0 AMC ka rule, 1 September 2026 se badal rahe nominee ke niyam, aur purane physical share demat karne ki khuli window।
Rohan Deshmukh•22 Aug 2026•13 min read
Option Trading Kya Hai? Call, Put और Option Chain — पूरी जानकारी (2026)
Option trading kya hai aur kaise hoti hai — call option put option me fark, strike price, premium, expiry, option chain kaise dekhe, naya 65 ka Nifty lot, option selling ki margin, aur April 2026 wala STT — sab asli numbers ke saath, SEBI ke FY26 data par based।
Rohan Deshmukh•22 Aug 2026•14 min readIncome Tax
ITR, TDS, new vs old regime — tax ka dar khatam, samajh shuru.
PF Advance Kaise Nikale? नया EPF Scheme 2026 और Form 31 (पूरी जानकारी)
PF advance kaise nikale — 29 June 2026 se lagu naye EPF Scheme 2026 me 13 niyam sirf 3 category me aa gaye, 12 mahine ki service kaafi hai, eligible balance ka 100% tak nikal sakte hai aur 25% jama rehta hai. Form 31 se online claim, ₹5 lakh tak auto settlement, aur PF withdrawal par TDS ka poora hisaab।
Kavita Sharma•27 Aug 2026•13 min read
ITR Last Date 2026: 31 August की Deadline, Belated Return और देरी की क़ीमत
ITR last date 2026 — AY 2026-27 me sabki date ek nahi hai. ITR-1/ITR-2 ke liye 31 July nikal chuka, non-audit ITR-3/ITR-4 ke liye 31 August 2026 hai, audit walon ke liye 31 October. Belated return ki last date, Section 234F ki late fee, 234A ka byaj, aur wo nuksan jo ₹5,000 se kai guna mehnga padta hai.
Kavita Sharma•23 Aug 2026•12 min readSarkari Yojana
PM Kisan se Sukanya tak — eligibility, documents, aur apply karne ka pakka tarika.
NPS Vatsalya Kya Hai? ₹250 से शुरू, पर 18 साल वाली शर्त पहले पढ़िए (2026)
NPS Vatsalya kya hai — bachche ke naam par pension account, ab sirf ₹250 saal se shuru (January 2026 ka naya PFRDA niyam). 25% partial withdrawal ka rule, 18 saal par ₹8 lakh wali seema, 20% annuity ki shart jo koi nahi batata, 80CCD(1B) sirf old regime me — aur Sukanya Samriddhi se seedhi tulna.
Kavita Sharma•23 Aug 2026•12 min read
Senior Citizen Savings Scheme (SCSS) 2026 — 8.2% ब्याज और ₹30 लाख की लिमिट
Senior citizen savings scheme kya hai — SCSS interest rate 2026 me 8.2%, ₹30 lakh tak jama, har teen mahine ka payout, 55 aur 50 saal walo ke liye niyam, 3-3 saal ki unlimited extension, premature closure ki penalty, aur 80C, TDS aur Form 15H ka poora sach।
Kavita Sharma•22 Aug 2026•13 min readFraud Suraksha
Digital arrest, QR scam, UPI fraud — pehchaniye, bachiye, aur fraud ho jaye to kya kare.
ATM Se Paise Nahi Nikle Par Kat Gaye? Refund का RBI नियम (2026)
ATM se paise nahi nikle par kat gaye to kya kare — RBI ka T+5 calendar-din wala niyam, ₹100 roz ka compensation jo bank ko bina maange dena hai, dusre bank ke ATM par shikayat kise kare, bank ki complaint kahan kare, aur RBI Ombudsman me complaint kaise kare naye RB-IOS 2026 scheme ke tahat।
Arjun Verma•22 Aug 2026•12 min read
KYC Update Fraud: नक़ली SMS पहचानिए, असली KYC सही तरीक़े से कीजिए (2026)
KYC fraud kya hai aur KYC update ke naam par call ya SMS aaye to kya kare — RBI ke 12 June 2025 wale niyam me self-declaration kaafi hai, teen advance notice me ek daak ki chitthi zaroori hai, aur asli KYC me na link lagta hai na APK na OTP.
Arjun Verma•21 Aug 2026•12 min readCalculators
SIP, EMI, income tax — apne numbers khud nikaliye, formula khula rakha hai.
Insurance & Loans
Term insurance, CIBIL, credit card ki fine print — jo agent nahi batata, wahi.
Health Insurance Kya Hai? Cover, Cashless Claim और 80D — पूरी जानकारी (2026)
Health insurance kya hai aur kaise kaam karta hai — individual, family floater, group aur top-up plan me fark, kitna sum insured lena chahiye, cashless claim kaise kare aur IRDAI ki 1-ghanta/3-ghante wali deadline, waiting period, GST 0% ke baad premium ka sach, aur 80D me kitni chhoot milti hai।
Meera Iyer•27 Aug 2026•13 min read
Personal Loan Kaise Le 2026? Eligibility, CIBIL Score और असली APR
Personal loan kaise le 2026 me — FOIR se tay hota hai kitna loan milega, CIBIL score kitna hona chahiye aur wo rate me kitna farak dalta hai, KFS me APR kaise padhe, 1 January 2026 se prepayment ka naya RBI niyam aur usme chhipi shart, aur apply karne se pehle enquiry ki keemat।
Meera Iyer•23 Aug 2026•12 min readAaj ka bazaar
Market: ~5 min delayed। Sirf jaankari ke liye — trading salah nahi hai.
Free tools — roz kaam aane wale
IFSC Code Finder
1.8 lakh+ branches — code se branch, ya bank/state/district se code।
MICR Code Finder
Cheque ke neeche wala 9-digit number decode kariye — branch, bank, IFSC turant।
Kholo →SIP Calculator
Monthly SIP me kitna milega — maturity value aur wealth gain turant dekhiye।
Kholo →EMI Calculator
Loan ki monthly EMI, total interest aur poora amortisation schedule।
Kholo →Income Tax Calculator
New vs old regime — dono me tax compare kariye, better wala chuniye।
Kholo →Sabhi Calculators & Guides
SWIFT code, BSR code, merged-bank IFSC — poori tools list ek jagah।
Sabhi dekhiye →"Pakka" ka matlab kya hai?
Sirf official sources
Har rate, rule aur deadline RBI, income-tax portal, EPFO ya AMFI se verify hota hai — news se nahi, notification se.
Asli screenshots, asli tajurba
Process guides me har step ka real screenshot hota hai — banaye hue images hamare yahan banned hain.
Koi tips nahi
Hum kuch nahi bechte, koi stock nahi bataate. Sirf samajh dete hain — faisla hamesha aapka hota hai.
Har article, publish se pehle
Desk-expert likhta hai → official source se fact-check → SEBI-safe compliance check → editor ki final pakka-check. Tab jaake publish.
Poori review policy →Har hafte nayi pakki jaankari
Naye articles, naye scam-alerts aur rule-changes — RSS feed se seedha aap tak, ya bas site par wapas aaiye, sab kuch yahin milega.