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GST, or Goods and Services Tax, is a tax that customers have to bear when they buy any goods or services, such as food, clothes, electronics, items of daily needs, transportation, travel, etc. The concept of Goods and Services Tax (GST) in India is that it is the “Indirect Tax”. Also, this tax is not directly paid by customers to the government but is rather levied on the manufacturer or seller goods and the providers of services. The sellers usually added the tax expense into their costs, and the price the customers pay is inclusive of GST. Thus, in most cases, you end up paying a tax even if ..read more

Prime Minister Mr.Narendra Modi has launched a pension scheme called National Pension Scheme or NPS Scheme for Traders and Self Employed Persons Yojana. This particular NPS is meant for the traders and Self Employed Persons. It is I think in line with APY (Atal Pension Yojana) which was launched for lower cadre people. Let us see the features of this National Pension Scheme for Traders and Self Employed Persons Yojana. NPS SCHEME FOR TRADERS – STEP BY STEP ANALYSIS Eligibility for National Pension Scheme for Traders and Self Employed Persons Yojana Vyaparis, who are self-employed and are worki ..read more

The due date to file income tax return (ITR) for the Financial Year 2018-19 (Assessment Year 2019-20) was extended from 31 July 2019 to 31 August 2019. This year over 5.65 crore returns were filed by taxpayers on or before the due date. But approximately 50 lakh returns were filed on 31 August itself. However, if you have missed the extended deadline, even so you can still file your ITR. However, there are certain points you need to consider before you avail the last chance of late filing of Income Tax Return. Late Filing Of Income Tax Return – Summary The key pointers which you should be awar ..read more

Good news on EPS Withdrawal Rules for EPF Scheme subscribers. The Central Board of Trustees (CBT) of the Employee Provident Fund or EPF has approved a new proposal. It is for the restoration of commuted value of the pension to the Pensioners after 15 years of commutation under the scheme EPS 1995. The pensioners will get benefit who has opted for commutation before 2009 and got a lump-sum amount at the time of retirement. The provision for commutation of pension was withdrawn by the EPFO in 2009 for non-govt employees. Read More: UAN EPF PORTAL CHANGE MOBILE NUMBER ONLINE Featur ..read more

In all the precious metals, gold is the most popular as an investment. Investors generally buy gold as a way of diversifying risk, especially through the use of futures contracts and derivatives. The gold market is subject to speculation and volatility as are other markets. Compared to other precious metals that are used for investment, gold has the most effective safe haven and hedging properties across a number of countries. Here we discuss the Gold as an investment option. Gold relation to the Equity Markets While gold has an inverse relationship with the dollar, stocks markets a ..read more

The Indian economy is rapidly adopting online transactions. Whether it is to get a bank account statement, starting a new investment or transferring money, utility bill payments all such financial transactions are now possible to do through the online mode in minutes. Here, we discuss how to create Demat Account? Similarly, if you are looking to invest in the stock market to buy shares, bonds or a mutual fund, IPO you can do it seamlessly through a single Demat account. What is a Demat account? Demat is an electronic account and it is to keep the records in the dematerialised form. In ..read more

Your Credit Score is a very important parameter at the time you apply for a loan. Bad Credit Score may resist you to get a loan quickly and easily. CIBIL Score is a summary of your credit history. While a score that is at least 750 helps you get a loan on favourable terms and in lower interest. There are ways to improve your Credit Score instantly. In this article, we have discussed How to improve Credit Score Fast. Know such fifteen points, that will boost your score within a few days to a few months. Read More: WHAT IS CHEQUE MEANING, TYPES AND SAFETY YOU MUST KNOW How to improve Credit Sc ..read more

PF or EPF is known as the Employee Provident Fund Scheme. Here the employee contributes a small portion of his/her remuneration i.e. 12% of the basic pay every month. Also, the employer contributes a matching amount with this. This is a saving for the post-retirement use of the employee. Here, we discuss the EPF Withdrawal Procedure in details. The PF scheme is a savings scheme fully under GOI, Employees’ Provident Fund Organization (EPFO). This retirement fund is for the salaried employees under the Employees’ Provident Funds and Miscellaneous Provisions Act in 1952. The Funds accumulated til ..read more

Mutual Fund is among one of the best investment options for the long term. Now they have come with some special offerings. Do you have got promotional email or SMS of Mutual Fund with Insurance along with mutual fund SIP? The concept behind this offer is to increase investment in Mutual Funds by attracting more investors through SIP. But, the free offer has many terms, conditions and restrictions. What is Mutual Fund with Insurance Cover? The mutual fund that comes with a free insurance cover is known as Mutual Fund with Insurance Cover. Mutual Fund Houses such as HDFC, ICICI, Reliance MF, a ..read more