News & Updates

Income Tax Income Tax on Bank Deposits: TDS, Form 15G/15H, and Section 80C Interest income from bank deposits is taxable, and banks deduct TDS above a threshold. Here is how to manage that, and how tax-saving deposits fit under Section 80C. 26 Jun 2026 · 2 min read Risk The Three Main Risk Categories Every Bank Manages Banking risk management is usually organised around three broad categories. Here is what each one covers and how Basel III capital rules tie them together. 26 Jun 2026 · 2 min read Recovery What Happens When a Loan Becomes an NPA A loan does not become unrecoverable overnight. Here is how classification into a Non-Performing Asset works and what recovery options banks and borrowers typically consider. 26 Jun 2026 · 2 min read AML Anti-Money Laundering in Indian Banking: PMLA and the Role of FIU-IND Money laundering typically moves through three stages, and Indian banks are legally required to watch for and report suspicious activity. Here is how the framework fits together. 25 Jun 2026 · 2 min read Retail Banking Savings vs Current Account: Choosing the Right Everyday Account Savings and current accounts look similar on the surface but serve different purposes. Here is how interest, transaction limits, and intended use differ between the two. 25 Jun 2026 · 2 min read Banking Law The Legal Backbone of Indian Banking: Key Statutes to Know Several statutes underpin everyday banking activity in India, often invisibly. Here is a short orientation to the most commonly referenced ones. 24 Jun 2026 · 2 min read UPI How UPI Works: A Beginner's Guide to India's Instant Payment System UPI has become the default way most Indians pay each other and merchants. Here is what a UPI ID actually is, how QR payments work, and what UPI Lite and AutoPay add. 24 Jun 2026 · 2 min read Insurance Term Insurance vs Health Insurance: Two Different Kinds of Protection Banks commonly cross-sell both term life and health insurance, but the two protect against very different risks. Here is what each actually covers. 23 Jun 2026 · 2 min read Import Importing into India: Bill of Entry and Customs Clearance Basics Getting goods through Indian customs starts with filing a Bill of Entry. Here is what that document covers and how the clearance process generally flows. 23 Jun 2026 · 2 min read Export Exporting from India: IEC, Shipping Bills, and Export Incentives Explained Every exporter needs an Importer-Exporter Code and a shipping bill before goods leave India, and can typically claim incentive schemes on top. Here is the basic flow. 23 Jun 2026 · 2 min read IBC Insolvency and Bankruptcy Code: What Happens When a Corporate Borrower Goes to NCLT The IBC created a time-bound process for resolving corporate insolvency. Here is what the Corporate Insolvency Resolution Process actually involves. 23 Jun 2026 · 2 min read Agriculture Kisan Credit Card (KCC): How Farmers Access Working Capital The Kisan Credit Card gives farmers a simple, revolving credit line for cultivation and allied needs. Here is how it works and why it counts toward priority sector lending. 23 Jun 2026 · 2 min read