Form 15G and 15H – How to Save TDS on FD Interest FY 2025-26

Last Updated: June 2026 — FY 2025-26 (AY 2026-27) Forms 15G and 15H are declarations you submit to your bank or financial institution to prevent TDS deduction on interest income when your total income is below the taxable limit. Form 15G vs Form 15H Feature Form 15G Form 15H Who … Continue reading

Loan Settlement results in low CIBIL Score and New Loan application rejection

Settling your loan / credit card with bankers results in low CIBIL Score. Don’t go for settlement of your personal loan or credit card due or Home loan. In fact, pay the full amount and clear the full amount. Here is the true story of my Friend, who just got … Continue reading

Standardisation and Enhancement security features cheque forms migrating CTS 2010 standards

CIRCULAR DNBS.PD/CC.NO. 308/03.10.001/2012-13, DATED 6-11-2012   “CTS-2010 standard” is a set of benchmarks towards achieving standardisation of cheques issued by banks across the country. These include provision of mandatory minimum security features on cheque forms like quality of paper, watermark, bank’s logo in invisible ink, void pantograph, etc., and standardisation … Continue reading

EPFO launches e-Passbook service for its members

Over 50 million PF subscribers can now access their accounts online as retirement fund body EPFO launched its e-Passbook service today. Who can download EPF pass book Active subscribers whose electronic challan-cum-return is already uploaded, can download their e-Passbook every month under the service launched by the EPFO’s Central Provident … Continue reading