Stories

Browse our reporting and explanations of payments, crypto, workplace AI and digital security.

A printed ledger sheet with one row flagged by a blue tab, beside an hourglass and a small stack of plain coins on a marble desk

CIBIL · Nov 10

CIBIL Dispute: Fixing an Error and Claiming ₹100 a Day for Delay

Lender 21 days, bureau nine: miss the 30-day deadline and you are owed ₹100 a day. A dated example shows who pays.

Four wooden figurines of descending height with blue sashes stand in a row before a small white model of a bank building, beside a blank form and a pen on a marble desk

Nomination · Nov 8

Multiple Nominees in a Bank Account: Simultaneous or Successive?

Up to four nominees since November 2025, as percentages or a priority order. A ₹12 lakh case shows what each does.

A blank sheet of paper with a navy desk stamp beside a steel tray of plain coins on a pale marble office desk

Form 121 · Nov 7

Form 121 Income Tax: Who Can File It Instead of 15G and 15H

Form 121 replaced 15G and 15H in April 2026. Below 60, nil tax after the ₹12 lakh rebate is not enough on its own.

A steel box with two keyholes on a marble desk, two different keys in front of it, beside a payment card and a phone

Digital payments · Nov 6

RBI 2FA Rules: Which Payments Still Need Two Factors

Two factors are the rule since April 2026. Seven exemptions, now including UPI Tap & Pay, explain when no PIN is asked.

An open book of blank cheque leaves on a pale marble desk with a magnifying glass over one corner, a phone and a blue tick token beside it

Cheques · Nov 4

Positive Pay System: Mandatory Limits, Bank by Bank

RBI asks banks to offer it from ₹50,000. Mandatory limits run from ₹50,000 to ₹20 lakh, depending on your bank.

A bundle of case papers tied with blue tape beside a wooden gavel, a closed passbook and a pen on a marble desk.

Consumer protection · Nov 3

Consumer Court Complaint Against a Bank: Fees, Limits and Timing

Free up to ₹5 lakh, two years to file: when a consumer commission beats the RBI Ombudsman for a bank dispute.

A document connects to a separate Virtual ID card, showing a replaceable identifier rather than a new Aadhaar number

Aadhaar Virtual ID · Nov 1

Aadhaar Virtual ID: Generate, Retrieve and Use a VID

What Aadhaar VID replaces, how generation differs from retrieval and when masked Aadhaar serves a different purpose.

A basic keypad phone showing a voucher code, with an arrow to a merchant's shopfront and a blue confirmation tick.

e-RUPI · Oct 31

e-RUPI Voucher: How It Works and Who Can Use It

How an e-RUPI voucher is issued, received and redeemed, what NPCI says on the amount limit, and checks to make.

A complaint form with an attachment linked to three numbered stages: the entity's action taken report, a first review and a second review by SEBI.

SEBI · Oct 31

SEBI SCORES Complaint: How to File and Track It

How to file a SEBI SCORES complaint, attach evidence, track the ATR and request two levels of review.

Three reported records flowing into a central data warehouse, which feeds a taxpayer statement under a magnifying glass.

Income tax · Oct 30

Project Insight Income Tax: What India's Data System Does

How the tax department described Project Insight and what taxpayers can check in AIS.

Savings, fixed and recurring deposits combined under one shield showing the DICGC ₹5 lakh principal-and-interest limit.

DICGC · Oct 30

DICGC Deposit Insurance: How the ₹5 Lakh Limit Works

The ₹5 lakh ceiling combines principal and interest at one bank. Separate accounts and branches do not multiply it.

Drawing of a phone declining an incoming call next to a block sign and a panel of Do Not Disturb preference switches

Spam calls · Oct 29

DND Registration: How to Stop Spam Calls and SMS in India

A text to 1909 sets your Do Not Disturb choice; a complaint within seven days is what gets a spammer cut off.

Drawing of a laptop exchanging a work document for a crypto token, with two tax slips ticked to show both sides may deduct TDS

Crypto tax · Oct 29

Crypto Payment for Services in India: Tax and Who Deducts TDS

Paid in tokens for work? The tax department treats it as two deals, and both sides may have to deduct TDS.

Illustration of a phone listing electricity, water and other bills, linked through a central bill payment hub to several billers, one showing a confirmed payment

Bharat Connect · Oct 28

Bharat Connect: How Bill Payments Work Through BBPS

The network behind the Bill Payments button in your bank or UPI app, and what to do when a bill payment fails.

Illustration of a book, a song and a photograph feeding into an AI chip, with royalty payments in rupees flowing from a central collective back to creators

AI regulation · Oct 28

AI and Copyright in India: DPIIT's Pay-to-Train Proposal

DPIIT's working paper would let AI developers train on any lawfully accessed work and pay creators a share of revenue.

A search results panel with one phone-number result outlined and marked as blocked, linked by a dashed line to the back of a bank card with its printed helpline and a tick, illustrating why customer care numbers should come from the card or official app rather than a search engine.

customer care fraud · Oct 27

Fake Customer Care Number Fraud: How It Works and Where to Call

How fake helpline numbers in search results and social media lead to fraud, and where to find the genuine ones.

A digital artwork token card splitting along two dashed paths: one to a tax record marked with a tick, the other to a physical boxed item marked as excluded, illustrating which NFTs fall under India's virtual digital asset tax.

NFT · Oct 27

NFT Tax in India: When a Token Counts as a VDA

Most NFTs fall under India's 30% VDA tax. The exception is a token that legally transfers ownership of a physical asset.

An income tax return form with a highlighted line being added, linked by an arrow to four rising bars and a rupee symbol, illustrating the ITR-U updated return and its additional tax bands.

ITR-U · Oct 26

ITR-U Updated Return: Who Can File and What It Costs

ITR-U can reopen an Indian tax return for up to 48 months, with additional tax rising from 25% to 70%.

A government advisory document pointing to a chatbot window that shows a warning pop-up with two buttons, illustrating labels and consent prompts for AI tools

MeitY · Oct 26

MeitY's AI Advisory of March 2024: What Platforms Were Told

Labels for unreliable AI models, consent pop-ups and deepfake metadata: what MeitY's 2024 advisory asked of platforms.

A wrapped gift box linked to a crypto token and a bar chart with a dashed threshold line, illustrating when a gift of virtual digital assets becomes taxable in India

Crypto tax · Oct 25

Crypto Gift Tax in India: When a VDA Gift Is Taxed

Crypto from a relative is not taxed on receipt. From anyone else, it is once the year's gifted property tops ₹50,000.

A creator's phone video branching to two paths: an open book marked as permitted education and a rising price chart marked as blocked securities advice

SEBI · Oct 25

SEBI Finfluencer Rules: Advice, Education and Paid Ties

What SEBI's finfluencer rules mean for advice, education, return claims and regulated firms' commercial ties.

Illustration of a laptop mirroring a phone screen, a phone with a blue remote cursor inside a dashed screen-capture frame, and a crossed-out Wi-Fi symbol for disconnecting

screen sharing fraud · Oct 24

Screen-Sharing App Fraud in India: Stop Remote Access

How remote-access scams expose bank and UPI details, what to stop first, and where to report financial fraud.

Illustration of an identity card linked by a dashed line to a blue central records database and on to a document marked with a tick, showing a KYC record retrieved and updated

re-KYC · Oct 24

Re-KYC and CKYC: When Banks Need Fresh Documents

What re-KYC updates, how CKYC reduces repeat paperwork, and when a bank may still need fresh documents.

Three rising panels linked by a dotted path: a video lesson screen, a grid of data-labelling tiles with check marks, and a graduation cap on a stack of books

IndiaAI Mission · Oct 23

IndiaAI FutureSkills: Courses, Labs and Fellowships

What the free YUVA AI course, Data and AI Labs and IndiaAI fellowships offer, and which one fits you.

Stories are organised by publication date and topic. Follow Fintech & Payments for payment networks and financial services, Crypto for stablecoins and custody, AI & Work for tools and research, and Tech & Security for privacy and infrastructure. News follows specific announcements; explainers and long reads examine how the systems work, with primary sources and data where relevant.