The Credsir blog
802 articles on Indian money — loans, cards, tax, property, forex and markets. Where the comparison tables end, the analysis starts.
-
Income TaxWhy Your Income Tax Refund Is Delayed and How to Fix It
Most refund delays come from an unverified return, an unvalidated bank account, an inoperative PAN, an old tax demand…
17 Sep 2026 Tax -
Income TaxIncome-tax Act 2025: What Changed From 1 October 2026
The Income-tax Act, 1961 was replaced on 1 April 2026 by a shorter 2025 Act. Tax policy stayed the same; section…
17 Sep 2026 Tax -
Income TaxInstant e-PAN Through Aadhaar: Eligibility, Steps and Download
If you have no PAN and your Aadhaar is linked to your mobile, get a free e-PAN on the e-Filing portal with an OTP and…
17 Sep 2026 Tax -
Income TaxPAN Card Status: What Each Stage Means and What to Do Next
Track PAN with Protean's 15-digit acknowledgement number or UTIITSL's coupon number; here is what each status means and…
17 Sep 2026 Tax -
LoansPMEGP Loan: Eligibility, Subsidy Rates and Project Limits
PMEGP pays 15% to 35% of a new micro unit's cost as subsidy on a bank loan, for projects up to ₹50 lakh (manufacturing)…
17 Sep 2026 Loans -
LoansHome Loan Prepayment: RBI’s Zero-Charge Rule and How to Prepay
Lenders cannot charge you for prepaying a floating-rate home loan taken for personal use, whether sanctioned before or…
17 Sep 2026 Loans -
LoansRepo Rate and Your EMI: What the RBI Policy Decision Changes
The RBI repo rate is 5.25%, held on 5 August 2026. Repo-linked loans reset at least every three months; MCLR loans move…
17 Sep 2026 Loans -
Income TaxHow to Apply for a New PAN Card Online Using Aadhaar or Documents
Apply on Protean using Form 93 for ₹107 (₹101 paperless), or get a free instant e-PAN if your Aadhaar is linked to your…
16 Sep 2026 Tax -
Income TaxGST 2.0 One Year On: What Moved to 5%, 18% and 40%
Since 22 September 2025, GST has two main rates, 5% and 18%, plus 40% on sin and luxury goods. The 12% and 28% slabs…
16 Sep 2026 Tax -
InvestingIPO Subscription Status: How to Read QIB, NII and Retail Numbers
IPO subscription status shows how many times each investor category's shares have been bid for, as published by NSE and…
16 Sep 2026 -
InvestingHow to Apply for an IPO Using ASBA or a UPI Mandate
Apply for an IPO through net banking (ASBA) or a broker app with a UPI mandate. Money is blocked, not debited, until…
16 Sep 2026 -
Housing SchemesPMAY-U Phase 1 Deadline: What Happens to Houses Still Not Complete
PMAY-U phase 1 runs only to finish sanctioned houses, reportedly until 30 September 2026. New applicants must use…
16 Sep 2026 -
Income TaxBelated ITR for FY 2025-26: File by 31 December 2026
Missed the ITR due date? File a belated return for FY 2025-26 by 31 December 2026 with a ₹1,000 or ₹5,000 late fee plus…
16 Sep 2026 Tax -
KotakKotak Delight Platinum Credit Card (2026) Review
← Part of Kotak Credit Cards in India Kotak Delight Platinum Credit Card in India: Types, Categories & Key Components…
29 Jun 2026 -
Canara BankCanara Bank Visa Platinum Credit Card (2026) Review
The Canara Bank Visa Platinum Credit Card offers a lifetime-free option with no annual or joining fees, making it an…
29 Jun 2026