The Credsir blog
802 articles on Indian money — loans, cards, tax, property, forex and markets. Where the comparison tables end, the analysis starts.
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Income TaxGST on Insurance: Health, Life and Motor Policies
Individual health and life insurance are GST-free since 22 September 2025. Motor insurance and group policies still…
29 Sep 2026 Tax -
Housing SchemesDDA Housing Scheme: Eligibility, Booking and Allotment Rules
DDA sells most flats first-come-first-served on its Awaas Portal: register for ₹2,500, book a flat, then pay within 60…
29 Sep 2026 -
Stamp Paper & Legal DocumentsIEPF Indemnity Bond for Form IEPF-5: Format and Filing
File Form IEPF-5 on the MCA portal, sign the indemnity bond it generates, and post the original with your documents to…
29 Sep 2026 -
InvestingUnlisted Shares in India: How They Are Bought, Held and Taxed
Unlisted shares move by off-market demat transfer at a privately agreed price. Gains are long-term after 24 months and…
29 Sep 2026 -
Income TaxForm 16 Becomes Form 130: What Salaried Employees Get From 2027
Form 130 replaces Form 16 for salary paid from 1 April 2026. Your employer must issue it by 15 June 2027; FY 2025-26…
29 Sep 2026 Tax -
Stamp Paper & Legal DocumentsSuccession Certificate: How to Apply, Documents and Court Fees
A succession certificate is a court order letting heirs collect a deceased person's debts and securities. Apply to the…
29 Sep 2026 -
Government ServicesHow to Apply for a Passport Online: Steps, Documents and Fees
Register on Passport Seva, fill the form, pay online and book a PSK slot. A 36-page adult passport costs ₹2,500 from 1…
28 Sep 2026 -
Government Services8th Pay Commission Salary Hike: What Is Known and What Is Guesswork
No official 8th Pay Commission salary table exists yet. Any level-wise hike you see is an estimate built on an assumed…
28 Sep 2026 -
Land & Property RecordsSVAMITVA Property Card: How Villagers Get It and Use It for a Loan
SVAMITVA gives village house owners a drone-mapped property card. States issue it after survey and objections; banks…
28 Sep 2026 -
Income Tax57th GST Council Meeting on 7 October: Agenda and What to Watch
The 57th GST Council meeting is reported for 7 October 2026, moved from 12 September. ITC, refunds and registration are…
28 Sep 2026 Tax -
InvestingBuying Gold on Dhanteras 2026: Bills, GST, Cash Limits and Tax
Dhanteras gold buying: check the hallmark, pay 3% GST, give PAN above ₹2 lakh, avoid ₹2 lakh+ cash, and keep the bill…
28 Sep 2026 -
InvestingSGB Premature Redemption: How to Exit a Sovereign Gold Bond Early
Redeem an SGB early after five years on an interest date through your bank, post office or broker, or sell it on the…
28 Sep 2026 -
Stamp Paper & Legal DocumentsIndemnity Bond: Meaning, Components, Stamp Paper and Uses
An indemnity bond is a written promise to cover another party's loss from a stated event, under Section 124 of the…
27 Sep 2026 -
Government ServicesABHA Card: What It Is, How to Create It, and ABHA vs Ayushman
ABHA is a free 14-digit health ID for linking your medical records. Create it with Aadhaar or a driving licence. It is…
27 Sep 2026 -
Government Servicese-Shram Card: Eligibility, Registration and Benefits
Unorganised workers aged 16+ who don't pay income tax and aren't in EPFO or ESIC can get a free e-Shram card with a UAN…
27 Sep 2026