BYJUS WEB is a simple and practical personal finance blog designed for Indian readers. We explain IPOs, mutual funds, personal loans, EPF, gratuity, credit scores and government schemes in clear, everyday English—so you can make confident money decisions without getting lost in jargon.
Whether you’re a salaried employee, a first-time investor or someone running a small business, our step-by-step guides, real examples and easy calculators help you understand how money, markets and government policies actually work in real life.
Every article has one goal: to make finance simple, accurate and genuinely useful for you.
LPG Prices Reduced Again From December 1: 19 kg Cylinder Becomes Cheaper, 14.2 kg Rate Unchanged LPG prices in India have witnessed another major revision from December 1, 2025, giving consumers a bit of relief at the start of the month. For many households and businesses, LPG costs play an important role in their monthly
UPI Crosses 19 Billion Transactions in November 2025, Continues to Dominate India’s Digital Payments UPI has once again shown why it is the backbone of India’s digital payment system. According to the latest data from NPCI, Indians made over 19 billion UPI transactions worth ₹24.58 lakh crore in just the first 28 days of November
Government of India’s Fiscal Report Shows Strong Revenue Growth & Higher Transfers to States (Up to October 2025) The Ministry of Finance has released its latest Monthly Review of Accounts for the current financial year, and the numbers paint a steady and promising picture of India’s fiscal health. If you’ve been wondering how the government
Gratuity: Meaning, Eligibility, Calculation & Investment Guide (Simple Explanation) Gratuity is a special payment that your employer gives you as a gesture of appreciation for the years you’ve spent working with them. Think of it as a “thank you” bonus for your loyalty and consistent service. In India, gratuity is governed under the Payment of
PRAN Registration 2025: A Complete Guide to Apply, Verify, Track & Get PRAN Instantly Introduction If you’re planning to start your National Pension System (NPS) journey, PRAN is the first thing you’ll need. Think of PRAN as your personal retirement fingerprint—it stays with you for life and connects every contribution you ever make. In recent
Introduction The 8th Pay Commission is one of the biggest and most talked-about updates for Central Government employees and pensioners. Every pay commission brings a major change in salary, allowances, and pensions, and this time expectations are even higher because the cost of living has increased in the last few years. Since the 7th Pay
Introduction If you’re investing in the National Pension System (NPS), you already know it’s one of the safest ways to build a big retirement fund. But when it comes to withdrawals, things can feel a bit confusing. Many people are unsure about how much they can withdraw, when they can withdraw, or what happens if
Old Pension Scheme (OPS) and New Pension Scheme (NPS) Key Differences, Pension Amount, Eligibility & Benefits Explained (2025 Guide) Many government employees in India are comparing the Old Pension Scheme (OPS) with the New Pension Scheme (NPS) because both plans give financial support after retirement. Some states have already shifted back to OPS, which has
The Rajasthan government has launched a major programme to reduce household electricity bills and promote clean energy. Under this initiative, 27 lakh families will receive free 1.1 kW rooftop solar panels, fully funded by both the state and central governments. If your home is a domestic electricity consumer in Rajasthan, this scheme can directly benefit