PMJJBY and PMSBY: ₹2 Lakh Life and Accident Cover for ₹436 and ₹20 a Year
Two government insurance schemes that cost ₹436 and ₹20 a year: who can join, what is covered, what is not, and how a family actually claims.
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Banking & Finance
Plain-language explanations of bank accounts, loans, insurance, savings, investments and digital payments.
PM Jan Dhan Yojana (PMJDY): Zero-Balance Account, RuPay Card and Benefits Explained
How to open a Jan Dhan account, what documents you need, and what you actually get: RuPay card, ₹2 lakh accident cover, overdraft and direct benefit transfers.
UPI Safety Guide: Limits, Common Scams, Wrong Payments and How to Report Fraud
How to use UPI safely: daily and per-transaction limits, the most common UPI scams and how to spot them, what to do after a wrong payment or fraud, and where to complain…
Sukanya Samriddhi Yojana (SSY): Interest Rate, Rules, Withdrawal and How to Open
Everything about the Sukanya Samriddhi Yojana: who can open it, the current 8.2% rate, yearly limits, the 15-year deposit period, when you can withdraw, how to open the account and a worked…
What Is PPF (Public Provident Fund)? A Simple Guide
A plain-language guide to the Public Provident Fund: how it works, the yearly limit, the 15-year lock-in and the current interest rate.
PPF Interest Rate Explained: How It Is Set and Calculated
How PPF interest works in plain words: who sets the rate, how it is worked out each month, why the 5th of the month matters, and a year-by-year example.
PPF Deposit Limit and Tax Benefits: What You Need to Know
How much you can deposit in PPF each year, what happens to extra money, and how PPF is taxed: the deduction, the tax-free interest and the tax-free maturity.
PPF Withdrawal, Loan and Extension Rules Explained
When you can take a loan against PPF, when partial withdrawal starts, when you can close the account early, and how the 5-year extension works, with simple examples.
How to Open a PPF Account: Documents and Steps
Where you can open a PPF account, the documents you need, and the steps to follow, whether you choose a post office or a bank.