Finance Hub
Loan, tax, SIP, banking - paisa samjho, sahi decision lo. Students ke liye sabhi finance guides ek jagah.
Personal Finance for Indian Students & Government Employees
"Career Banao, Paisa Samjho" - SkillUPBihar ke Finance section me Indian students, government job aspirants, aur young government employees ke liye practical finance content milti hai - jargon-free, action-oriented. Topics covered: Government job ke baad financial planning (NPS Tier 1 vs Tier 2, 7th CPC pension rules, PPF strategy government employees ke liye, group insurance), Education financing (Bihar Student Credit Card 0% interest scheme, PM Vidyalaxmi portal, NSP scholarships, banks ke education loan compare - SBI vs PNB vs BoB), Investment basics for first salary earners (Emergency fund, SIP for beginners with Rs 500, ELSS for tax saving, debt vs equity), Tax saving (Section 80C complete checklist, HRA + LTA exemptions for government employees, new vs old tax regime kab choose karna hai), Insurance (Term insurance kab + kitna chahiye, health insurance Bihar government schemes - Ayushman Bharat + Ayushman Vay Vandana), Government schemes for entrepreneurship (Mukhyamantri Laghu Udyami Yojana Rs 2 lakh grant, PM Mudra Loan, Stand-Up India, PM Vishwakarma). Sab content verified hai - government portals, official notifications, RBI guidelines ke according. Affiliate disclosure: kuch product comparisons me hum affiliated partners ke saath disclose karte hain - aspirant ko price impact same hota hai, hum transparent rehte hain.
EPF Interest 2025-26
EPF interest 2025-26 kab aayega? Rate 8.25% confirmed (0.688% per month). Byaaj passbook mein June-August 2026 ke beech credit hota - delay se koi nuksan nahi (closing balance mein add). PF balance check (passbook/UMANG/SMS/missed call) - sab yahan.
143(1) Intimation 2026
ITR ke baad income tax 143(1) intimation aaya? Ghabrao mat - ye normal hai (har ITR par aata). Isme department ki calculation aapki se match karke 3 result deta: nil (sab theek), refund, ya demand. Password = PAN+DOB. Kya kare, kaise jawab - sab yahan.
ITR Last Date 2026
ITR last date 2026 (AY 2026-27) salaried ke liye 31 July 2026. Miss ho gayi to belated return 31 December tak (late fee 234F Rs 1,000/5,000 + 1% per month interest). Audit cases 31 Oct. Deadline, penalty, belated + ITR-U process - sab yahan.
Konsa ITR Form 2026
Konsa ITR form bharein 2026 (AY 2026-27)? Salaried = ITR-1 (ab 2 ghar + LTCG 1.25 lakh tak bhi). Capital gain zyada/3 ghar/foreign = ITR-2. Business presumptive = ITR-4. Galat form = defective notice. Sahi form kaise chunein - yahan.
EPF Transfer 2026
Job change kiya? Purana PF naye account me transfer karna zaroori. 2024 se UAN+KYC ho to auto-transfer hota hai. Manual: Form 13 EPFO portal se. Multiple PF accounts ko 'One Member One EPF' se merge karo - full guide.
Gratuity Calculation 2026
Gratuity kitni milegi? Formula = (last salary x 15 x saal) / 26. 5 saal continuous service pe milti (death/disability me waived). Max Rs 20 lakh tax-free. New Labour Code changes + calculation example - full guide.
Form 15G 15H 2026
FD/interest pe TDS kat raha hai? Form 15G (60 se kam) / 15H (senior citizen) bharke TDS bachao - agar total income tax-free limit me hai. Eligibility, online kaise bhare, 15G vs 15H + naya Form 121 update - full guide.
Mudra Loan Status 2026
PM Mudra loan apply kiya? Application status check karo - Submitted, Under Review, Sanctioned ya Rejected. udyamimitra.in / JanSamarth / apne bank se track. Shishu/Kishore/Tarun + reject hone par kya - full guide.
Post Office MIS 2026
Post Office Monthly Income Scheme (MIS) 2026 - har mahine fixed income chahiye? 7.4% interest, max Rs 9 lakh (single) / Rs 15 lakh (joint), 5 saal. Koi bhi adult khol sakta hai. Monthly payout calculation + account kaise khole - full guide.
26AS + AIS Download 2026
ITR file karne se pehle Form 26AS aur AIS zaroor dekho - isme tumhara TDS, tax paid, income sab record hota hai. incometax.gov.in se download karo. 26AS vs AIS ka difference + mismatch fix - sab step-by-step yahan.
SCSS 2026
Senior Citizen Savings Scheme 2026 - 60+ buzurgo ke liye 8.2% interest wali sarkari scheme. Max Rs 30 lakh, 5 saal, har quarter regular income, 80C tax benefit. Eligibility, quarterly payout, account kaise khole - full guide.
Sukanya Samriddhi 2026
Sukanya Samriddhi Yojana 2026 - beti ke liye 8.2% interest wali sarkari scheme. Min Rs 250/max Rs 1.5 lakh/saal, 15 saal jama + 21 saal me maturity, 100% tax-free (EEE). Eligibility, maturity calculation + account kaise khole - full guide.
ITR e-Verification 2026
ITR file karne ke baad 30 din ke andar e-verify karna MANDATORY hai - warna return invalid! Aadhaar OTP se 1 minute me e-verify karo (ya net banking/EVC). Step-by-step process + 30 din miss ho gaya to kya kare - sab yahan.
ITR Refund Status 2026
ITR refund kab aayega? AY 2026-27 ka refund e-verify ke 4-5 hafte baad aata hai. incometax.gov.in pe status check karo (ya PAN se NSDL pe). Refund failed/delayed reasons (bank pre-validation, PAN-Aadhaar), reissue process - sab step-by-step yahan.
PF Claim Status 2026
PF withdrawal claim kab settle hoga? KYC + Aadhaar linked ho to 3-5 din me paisa aata hai. EPFO portal/UMANG/SMS se claim status track karo. Claim rejected? Name mismatch, employer verification, EPS - top reasons + fix yahan.
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Frequently Asked Questions
Bihar Student Credit Card ke liye kaise apply karein?▾
7nishchay-yuvaupmission.bihar.gov.in pe online apply karo. Age 25 tak, Bihar domicile, 12th pass hona chahiye. Rs 4 Lakh tak 0% interest pe milta hai (September 2025 se interest-free).
Education loan aur Student Credit Card mein kya farak hai?▾
Student Credit Card Bihar state scheme hai (Rs 4L, 0% interest, collateral-free). Education loan bank se milta hai (Rs 3 Crore tak, 8-16% interest). BSCC pehle lo, balance bank loan se.
Income Tax mein kitne salary tak zero tax hai?▾
New regime mein Rs 12.75 Lakh gross salary tak zero tax hai (salaried employees ke liye). Standard deduction Rs 75,000 + rebate Rs 60,000 milta hai.
SIP se kitna paisa ban sakta hai?▾
Depends on monthly amount, tenure, aur expected return. Example: Rs 1,000/month @ 12% return for 15 years = approx Rs 5 Lakh. SIP Calculator pe exact calculate karo.
Kaunsa bank account kholna chahiye students ke liye?▾
SBI student account best hai - genuine zero balance till graduation, largest ATM network, YONO app. Compare page pe SBI vs PNB vs BoI detailed comparison hai.
NPS pe tax benefit kaise milta hai?▾
NPS employer contribution (14% of Basic+DA) dono regime mein tax-free hai. Old regime mein additional Rs 50,000 deduction bhi milta hai Section 80CCD(1B) mein.
Mudra Loan aur Laghu Udyami mein kya farak hai?▾
Mudra Loan bank se milta hai (Rs 50K-20L, 10-16% interest, wapas karna hai). Laghu Udyami Bihar government ka Rs 2L FREE grant hai (wapas nahi karna). Compare page pe detailed analysis hai.
Finance articles kitne reliable hain?▾
Sabhi amounts, interest rates, tax slabs official government portals se verified hain. Har article mein Sources section hai with official links. Last verified date bhi mentioned hai.
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