Money & Technology

Original explanations and analysis of payments, crypto, AI and digital security. India in focus, the world in view.

Illustration of a narrow tax-credit statement with a rupee mark beside a wider tabbed statement with one entry flagged, linked to a summary card of bar totals

Income tax · Oct 21

AIS vs 26AS: Which Tax Statement to Check, and When

Form 26AS now shows only TDS and TCS. AIS holds the rest of what the tax department knows; TIS totals it for your ITR.

Illustration: scales of justice linked to a screen with a document and magnifying glass, and a microphone turning speech into lines of text

AI in judiciary · Oct 21

AI in Indian Courts: The Tools in Pilot and the Rules So Far

Two AI tools are in pilot for Indian judges and there is no national rulebook yet. What the government told Parliament.

Illustration: chat messages promising rising returns lead to a phone app showing a profit chart with a locked withdrawal button, next to a coin with a warning badge

crypto scams · Oct 20

Crypto Scams in India: Fake Apps, Task Scams and Reporting

Task scams and fake investment apps often use crypto to move money out of India. How they work and how to report.

Illustration of a caller's voice copied into a dashed duplicate, next to a phone showing an incoming call

Deepfakes · Oct 20

AI Voice Cloning Scam in India: Spot It, Report It

A familiar voice asking for money may be synthetic. What CERT-In advises, which laws apply and where to report.

Fintech & Payments ↗ Crypto ↗ AI & Work ↗ Tech & Security ↗

Fintech & Payments

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Illustration of a complaint letter, a calendar marked 30 days and a pair of scales, showing the route from a bank complaint to the RBI Ombudsman.

RBI Ombudsman · Oct 18

RBI Ombudsman Complaint: When and How to File

Complain to your bank first, wait 30 days or get its reply, then file on RBI CMS within 90 days under the 2026 scheme.

Illustration of a thick 1961 law book with many tabs, an arrow to a slimmer 2025 book with a table, and a one-year calendar

Income tax · Oct 17

The Income-tax Act, 2025: What Changes for Individual Taxpayers

Tax year replaces assessment year, 80C becomes section 123 and Form 16 becomes Form No. 130; tax rates stay the same.

Illustration comparing a UPI Lite balance card with a phone making a regular UPI payment

UPI Lite · Oct 14

UPI Lite vs UPI: Limits, Offline Use and Safety

UPI Lite is a PIN-free balance for small payments. Here is how its limits and safeguards differ from UPI.

Crypto

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Illustration of an offshore location pin, an official notice with a seal and a phone with one app blocked

FIU-IND · Oct 19

Offshore Crypto Exchanges in India: FIU Notices and Blocks

Foreign crypto platforms serving Indian users must register with FIU-IND. What the notices and takedowns mean for you.

Illustration of a tax-residence self-certification form, a statement with a crypto token, and two tax offices exchanging information across a globe

Crypto tax · Oct 16

Crypto Asset Reporting Framework in India Explained

India's CARF rules make crypto platforms collect tax-residence declarations and report foreign users' trades.

Illustration of a clipboard checklist with a crypto token, a tax receipt and a magnifying glass ticked and an open dashed shield marked with a dash, between a court building and an official document

Crypto law · Oct 13

Is Crypto Legal in India? What Courts, FIU Rules and Parliament Say

No ban, no regulator: what the Supreme Court, PMLA rules and Parliament say about crypto's legal status in India.

AI & Work

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Illustration of a microphone and sound wave feeding a central hub that sends replies to three speech bubbles

Bhashini · Oct 17

Bhashini: How India's Language AI Platform Works

Bhashini is MeitY's language AI platform for translation and speech in Indian languages. Here is how it works.

Illustration of office towers, a code window with a highlighted vulnerability and a lightning bolt, and a security checklist on a clipboard

IFSCA · Oct 16

IFSCA's AI Circular: Cyber Rules for GIFT City Firms

IFSCA's June 2026 circular tells GIFT City firms to prepare for AI-speed cyber attacks. The 11 measures explained.

Illustration of a loan score gauge feeding a layered AI model, with a power button and a person badge standing for human override

RBI · Oct 15

AI in Indian Banks: What the RBI's FREE-AI Framework Asks For

The RBI's FREE-AI report set seven Sutras for AI in finance; a June 2026 draft adds AI disclosure and human override.

Tech & Security

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Illustration of a phone showing a payment QR code, a UPI ID with an @ handle and a magnifying glass with a tick, showing a payment ID being verified.

SEBI · Oct 19

SEBI @valid UPI Handles: How to Check Before You Pay

SEBI-registered brokers and funds collect UPI payments through @valid IDs that you can verify on SEBI Check.

Flat illustration of a consent form with toggles, a shield with a padlock and a clock marked 72 h

DPDP Rules · Oct 18

DPDP Rules Explained: What They Require and When

The DPDP Rules set consent notices, 72-hour breach reports, data erasure and 90-day limits, phased in to May 2027.

Illustration of a server with an alert badge, a clock with six hours shaded and an envelope with a shield, standing for incident reports to CERT-In

CERT-In · Oct 16

CERT-In's Six-Hour Rule: Reporting Cyber Incidents in India

Indian organisations must report cyber incidents to CERT-In within six hours. Who is covered and what else applies.

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