Fintech & Payments

How payments and financial services work, from UPI to cross-border transfers.

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 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.

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.

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.

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 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 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.

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 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.

Illustration of a parent account delegating controlled UPI access to a child's phone

UPI Circle · Oct 14

UPI for Minors: How UPI Circle Delegation Works

UPI Circle can let a child pay from a parent's account within controls. Eligibility still depends on the app and bank.

A bank building, a phone with a lock and a consent toggle, and a statement with a bar chart, joined by arrows

Account Aggregator · Oct 12

Account Aggregator in India: How It Works, Safety and Consent

Account aggregators pass your financial data only with consent and cannot move money. How they work.

A payment card linked to a merchant storefront, illustrating merchant-only credit-card payments.

Fintech & Payments · Oct 8

RuPay Credit Cards on UPI: Where You Can Pay

Linking a RuPay card adds a credit payment option at eligible merchants.

Illustration of a phone chat with a verified tick, a large check mark, a leaflet and a graduation cap

SEBI · Oct 6

SEBI Opens an Official WhatsApp Channel and a Campus Literacy Scheme

SEBI's WhatsApp channel uses 1800 22 7575 and a verified blue tick; a new MUST scheme trains campus mentors.

A bank building with a protective shield beside a network of connected nodes

RBI · Oct 5

RBI Governor on Financial Stability: AI Valuations and Cyber Risk

Sanjay Malhotra's 3 October speech lists five global risks and says India's financial system is very resilient.

Three steps joined by arrows: a phone showing an alert, a bank building and a pair of scales

UPI · Oct 4

How to Raise a UPI Complaint: App, Bank, NPCI and the RBI Ombudsman

Start with your UPI app or bank; NPCI passes complaints on, and the RBI Ombudsman comes after 30 days.

A broker website and a trading app, each showing a notice banner at the top of the landing page above market data

SEBI · Oct 3

SEBI Project Jagrook: Brokers Must Show Investor Awareness Messages

Brokers show SEBI investor messages on websites from 5 October and on app landing pages from 1 November.

Follow the route between a payment instruction and money reaching its destination. Our coverage examines digital banking, merchant services, transaction costs and the practical choices facing businesses and their customers. We explain what changes in a product or payment network, who it affects and which conditions deserve a closer look.