Author: Naresh Saini

Indian Railways is one of the world’s largest rail networks, carrying millions of passengers daily across thousands of kilometers. With such a vast system, several roles and designations help manage the daily operations. Among them, TTE (Travelling Ticket Examiner) and TC (Ticket Collector) are two roles often confused by passengers. Many people think they are the same because both are involved in ticket checking, but in reality, their roles, rights, and working zones are quite different. Let’s take a closer look at what makes a TTE and TC different and what duties and powers they hold within the Indian Railways…

The Central Government has taken another step forward in digital India by launching a new Aadhaar mobile app. This app allows users to verify their identity digitally without carrying a physical Aadhaar card or its photocopy. The app is designed for privacy, security, and ease of use, providing Aadhaar access directly from your phone. 🔐 Face ID Login and QR Code Scanning – No Paperwork Needed Union Minister Ashwini Vaishnaw announced the app on April 8, 2025, through a post on X (formerly Twitter). He explained that users can now verify Aadhaar details using facial recognition, directly through the app.…

The central government has launched a big change in the retirement plans for government employees. From 1 April 2025, a new scheme called the Unified Pension Scheme (UPS) has come into effect. It brings better benefits, especially for those who are currently under the National Pension System (NPS). This scheme gives guaranteed monthly pension, higher government contribution, family security, and even protection from inflation. In simple words, UPS is designed to give financial peace to government employees after retirement. Let’s break it down and understand what this new pension scheme offers, who can apply, and why it is better than…

If you ask any investor who their role model is, the name Warren Buffett will most likely come up. Known as the “Oracle of Omaha,” Buffett has turned smart investing into an art. But what if you could learn from the same books that shaped his thinking? Yes, Warren Buffett has often spoken about the books that inspired him, taught him the basics of money, and shaped his long-term vision. If you are new to investing or even experienced but want to improve your strategy, these books can change the way you think. Let’s explore the top 7 books Buffett…

The Employees’ Provident Fund (EPF) is a retirement savings scheme for salaried employees in India. Every month, a portion of your salary is deposited into your EPF account by both you and your employer. Over time, this amount grows with interest and becomes a strong savings fund for your future. But how do you know how much money is in your EPF account? Do you want to check your EPF balance, but don’t know how to do it? Don’t worry! You don’t have to visit any government office or stand in long lines. Today, checking your PF balance is very…

Many people think saving money means you need to set aside big amounts every month. But in reality, this is not true. You can start small, and still make a good corpus over time. Recurring Deposits (RDs) are one of the easiest ways to save money regularly, even if the amount is small. RD helps in creating a habit of disciplined savings. Whether you are a student, salaried person, or a homemaker, this is a great way to slowly build wealth without stress. Let’s understand how RD works and how it can help you multiply your money. What is a…

The Pradhan Mantri Mudra Yojana (PMMY) has completed 10 successful years in 2025. Started in April 2015, this scheme has helped crores of people in villages, small towns, and cities by giving them financial help to start or grow small businesses. The scheme is a big step towards making people self-reliant and promoting entrepreneurship in India. Now, after ten years, the government has expanded this scheme even further. In Budget 2025, the loan limit under Mudra Yojana has been increased from Rs.10 lakh to Rs.20 lakh. This change is expected to help more people start or grow their businesses without…

Retirement planning may feel like a far-away concern when you’re just 25 years old, but the earlier you start, the bigger your wealth can grow. One of the simplest and safest ways salaried employees build retirement savings in India is through the Employees’ Provident Fund (EPF). If your basic salary is Rs.20,000 per month at the age of 25, and you get a 10% annual salary increment, your EPF fund can grow into a significant retirement corpus by the time you turn 60. This growth happens due to the power of compounding, regular contributions from both employer and employee, and…

The MWP Act, also known as the Married Women’s Property Act, 1874, is a powerful legal tool that many people are not aware of. But this small step can bring a big change in your family’s financial security. In India, the law can be used to protect life insurance money from being claimed by creditors or anyone else if the policyholder faces financial trouble or passes away with unpaid loans. In simple words, this law can make sure that life insurance money goes only to your wife and children, no matter what. How the MWP Act Works in Life Insurance…

The Indian stock market has seen high volatility in recent days. On April 7, 2025, the Sensex fell nearly 3% and the Nifty dropped over 3.24%. At the opening bell, the fall was even sharper—both indices had lost over 4% in early trade. This sudden drop was due to global uncertainty, mainly caused by fresh tariffs imposed by US President Donald Trump. But even during such uncertain times, smart investors are looking for the right ways to grow their money. If you have Rs.10 lakh and want to invest it today, what are the best options? How can you balance…