Kalam Times

Retirement Planning: Building a retirement corpus is only half the job. The bigger challenge is making sure that money lasts for 25 to 30 years after you stop working.Retirement used to be viewed as a relatively short phase of life, but that assumption is increasingly outdated. Many people retiring...

Income Tax Refund Delay: Filed your Income Tax Return but still waiting for the refund to reach your bank account? A delayed refund does not always mean that the Income Tax Department is simply taking longer to process your return. In many cases, issues related to bank validation, incorrect details,...

RBI Loan Recovery Rules 2027: Missing an EMI on a personal loan, home loan or car loan will not give a bank the right to remotely disable your personal smartphone, laptop or tablet. New borrower-protection rules have drawn a clear line around when lenders can use technology to restrict electronic de...

Indian Railways New PRS System: Train ticket booking in India is set for a major technology overhaul as Indian Railways begins upgrading its nearly four-decade-old Passenger Reservation System (PRS). The next-generation platform is being designed to make ticket reservations faster, improve handling...

SBI Investment and Wealth Creation Options: Building a sizeable corpus for retirement, children's education, buying a home or another long-term goal requires a combination of time, disciplined investing and an appropriate level of risk. Investors looking at SBI-linked options can choose from market-...

Kisan Credit Card Scheme: Farmers who need money for crops, livestock or other agriculture-related activities can access institutional credit through the Kisan Credit Card (KCC) scheme. The programme is designed to provide eligible farmers with timely access to bank finance and reduce their dependen...

EPF vs PPF for Retirement Planning: Building a sufficient retirement corpus usually requires years of disciplined saving, and two popular long-term options in India are the Employees' Provident Fund (EPF) and Public Provident Fund (PPF). Both are designed to encourage long-term savings, but they wor...

Retirement Planning for 25,000 Monthly Income: Building a regular income stream after retirement requires much more than simply deciding how much money you want every month. Your current age, retirement timeline, inflation, investment returns and expected years in retirement can dramatically change...

LPG Price Today, August 10, 2026: LPG cylinder prices continue to vary considerably across India, with consumers paying different amounts depending on their city and region. While Mumbai remains among the cheapest major cities for both domestic and commercial LPG, consumers in remote and hilly locat...

NTPC Recruitment 2026: Engineering professionals looking for a senior-level opportunity in the power sector have a new recruitment option. NTPC has announced 135 Deputy Manager vacancies across three key technical disciplines. Selected candidates will be appointed in the E4 grade with a monthly pay...

SBI Clerk Recruitment 2026: The State Bank of India (SBI) has opened the online application window for a special recruitment drive to fill 1,538 backlog vacancies for Junior Associates (Customer Support and Sales) in the clerical cadre. Eligible candidates can submit their applications online until...

Numerology Horoscope Today, August 10, 2026: Monday could bring fresh financial possibilities for several birth numbers, particularly in areas connected with technology, creative ideas and additional sources of income. However, careful planning and controlled spending may be equally important before...

EPF vs PPF for Retirement Planning: Building a retirement corpus often comes down to choosing the right mix of long-term savings options. For salaried employees in India, two of the most familiar choices are the Employees' Provident Fund (EPF) and the Public Provident Fund (PPF).Both are designed to...

Step-Up SIP Calculator: Increasing your investment does not always require a major change to your monthly budget. A relatively small annual increase in your Systematic Investment Plan (SIP) could potentially make a substantial difference to the wealth you accumulate over several decades.Consider an...

8th Pay Commission Salary Calculation: Central government employees are closely watching developments around the 8th Pay Commission, with one question dominating discussions: how much could basic pay increase under the next salary revision?The answer will depend on several factors, particularly the...

Gold Price Today, August 9, 2026: Gold prices have recorded a strong weekly rise across India, with 24-carat gold becoming costlier by as much as 8,180 per 10 grams over the past week. The price of 22-carat gold has also climbed sharply, gaining up to 7,600 per 10 grams during the same period.As o...

Property Rules in Hill States: Owning a house in the mountains is a dream for many people, but purchasing land in India's hill and northeastern states can be far more complicated than buying property in many other parts of the country.States and Union Territories such as Himachal Pradesh, Uttarakhan...

Gold Outlook in India: India's relationship with gold is undergoing a major transformation. For generations, the precious metal has been closely associated with jewellery, weddings, festivals, family wealth and inheritance. But younger consumers, particularly Generation Z, are beginning to approach...

8th Pay Commission Latest News: The Eighth Central Pay Commission has entered an important consultation phase, with employee organisations, pensioner groups and other stakeholders presenting their views on pay, promotions, retirement benefits and service conditions.The Commission officially schedule...

Step-Up SIP Calculation: Many mutual fund investors continue with the same Systematic Investment Plan (SIP) amount for years, even when their income increases. While maintaining investment discipline is important, gradually raising the SIP contribution every year can make a much bigger difference to...

Jammu Kashmir Weather Update: Authorities have suspended the Amarnath Yatra amid concerns over deteriorating weather conditions and the risk of heavy rain in parts of Jammu and Kashmir. The decision comes as the India Meteorological Department (IMD) forecasts increased rainfall activity across the U...

Petrol Diesel Price Today, August 9, 2026: Fresh petrol and diesel prices have been released for Sunday across India. Fuel rates continue to remain broadly stable in most cities, although motorists may notice differences from one location to another because of state taxes, transportation costs and o...

LPG Price Today, August 9, 2026: Liquefied Petroleum Gas (LPG) prices remain an important part of monthly expenses for both households and businesses. While families continue to pay the existing price for 14.2 kg domestic cooking gas cylinders, commercial consumers have received significant relief f...

e-Mitra WhatsApp Service: Now in Rajasthan, the benefits of 27 government services, including caste, domicile, and EWS certificates, can be availed from home through WhatsApp.e-Mitra WhatsApp servicee-Mitra WhatsApp Service: The Rajasthan government has provided significant relief to the...

In the programme 'Chhatraon Ki Goonj', Rahul Gandhi said that the biggest problem facing the youth of the country is employment, and despite spending money on education, job opportunities are continuously getting limited.Union Minister Kiren Rijiju took a dig at Rahul GandhiUnion Minister Kire...

Vande Bharatam: The Adani Group has launched the Vande Bharatam initiative for youth across the country. Through Vande Bharatam, Gautam Adani will nurture innovators from small towns. Learn about the Vande Bharatam initiative.Adani Group's 'Vande Bharatam' initiative will provide o...

NTA no longer wants to remain just an examination conducting body, but wants to establish a professional and institutional system for examination security, cyber security and monitoring of the entire examination system.NTA action after NEET paper leakThe credibility of the country's majo...

Reliance Jio OTT Pass: Jio has launched this new OTT Pass in three different validity options. These offer users unlimited data, 5G access, and access to several premium OTT platforms.(Jio's new OTT Pass)Reliance Jio OTT Pass: The country's largest telecom company, Reliance Jio, has intr...

At the end of the second day's play, India scored 357 runs for the loss of 6 wickets. Gurnur Brar remained unbeaten on 36 off 18 balls, and Devdutt Padikkal remained unbeaten on 142 off 164 balls.Devdutt Padikkal scores a century, Gurnur Brar shines with the batSri Lanka Cricket XI vs In...

UPI Charges: The government has provided significant relief to those making UPI payments. Now, UPI users will no longer have to pay any charges for payments. The government has also stated that most transactions will remain free for merchants.UPI free for shopkeepers and merchants as wellNo Ch...

Flipkart News: Flipkart's super. money app now offers UPI payments and in-app shopping with no-cost EMIs. Learn how to use the app.Now Flipkart is coming to compete with UPI apps.Flipkart News: People often use PhonePe, GooglePay, or Paytm for UPI payments. In addition to these payment a...

Business Scheme: The government offers loans, subsidies, and other assistance programs for those starting businesses in villages. Let's explore which government schemes help rural entrepreneurs grow their businesses.Start your own business in the village; the government is providing loans and...

LPG consumers who have not yet completed e-KYC for their cooking gas connection should check their verification status as soon as possible. Reports indicate that customers with pending e-KYC may face difficulties booking a refill or receiving cylinder deliveries after the August 15 deadline until th...

India is likely to witness another spell of unsettled monsoon weather on Sunday, August 9, with heavy rainfall, thunderstorms, lightning and gusty winds expected across several parts of the country. Northern, eastern and central India are likely to see particularly active weather conditions, while h...

A low smartphone battery while travelling can quickly become a problem. Airports, railway stations, metro stations, bus terminals, hotels, shopping centres and other public places often provide charging points where travellers can plug in their smartphones or tablets.The convenience can be tempting,...

India's scrutiny of major social media companies could soon extend beyond Meta, with the central government reportedly planning to examine other digital platforms and how they operate under the country's intermediary framework.The development comes amid a broader examination of Meta's content recomm...

Flipkart's much-awaited Freedom Sale 2026 is now live for shoppers across India, bringing discounts and special offers across smartphones, laptops, televisions, electronics and major home appliances. The Independence Day shopping event officially opened for general customers on August 8, making it a...

Provident Fund rules have undergone significant changes in 2026, bringing important updates for millions of salaried employees covered by the Employees' Provident Fund Organisation (EPFO). From easier withdrawals and faster claim processing to digital services and nomination-related facilities, the...

Planning for retirement becomes increasingly important when your regular salary stops but household expenses continue. Medical costs, groceries, utility bills and other day-to-day expenses do not disappear after retirement, which is why creating a dependable source of post-retirement income should i...

India is preparing for a major expansion of its compressed biogas sector as the central government moves ahead with a large-scale programme aimed at converting agricultural and organic waste into cleaner energy.The Union Cabinet has approved the GOBARdhan initiative with a reported total outlay of a...

The central government runs several welfare programmes aimed at improving maternal and child health, particularly for women from economically and socially disadvantaged backgrounds. One such initiative is the Pradhan Mantri Matru Vandana Yojana (PMMVY), which provides maternity benefits to eligible...

WhatsApp has become much more than a platform for exchanging messages. From personal conversations and office communication to voice calls, video calls and group chats, many people use the app throughout the day. This also means that information displayed on a WhatsApp profile can reveal more about...

WhatsApp has become one of the most widely used communication apps, making it easy to send messages, make calls, share documents and stay connected with friends, family and colleagues. However, its popularity also means users can occasionally receive unwanted calls and messages from unknown accounts...

UPI has become an everyday payment method for millions of Indians, whether they are paying for groceries, settling a restaurant bill, transferring money to family members or shopping online. Its rapid adoption has also made any discussion around potential UPI charges a matter of immediate concern fo...

The holy month of Sawan, also known as Shravan, holds deep religious significance for devotees of Lord Shiva. Across India, temples dedicated to Mahadev witness large numbers of worshippers during this period, with Mondays of the month considered particularly important for Shiva worship.Many devotee...

Buying a smartphone through monthly instalments has become increasingly common in India, particularly as flagship and premium devices can cost as much asor even more thana person's monthly salary. EMI financing allows buyers to spread the cost over several months instead of paying the entire amoun...

Instagram has evolved far beyond being an app for simply uploading photos and videos. Over the years, Meta has added several communication-focused features that allow people to interact with friends, followers and other accounts without necessarily publishing a permanent post.One such feature is Ins...

Sharing a personal phone number with strangers or new online contacts can be uncomfortable, especially when you only need to communicate briefly. While messaging apps typically rely on phone numbers for account registration and identification, Telegram provides an option that can help users communic...

Clay pots have been part of Indian households for generations. From storing drinking water during the summer to preparing traditional dishes, earthenware continues to be valued for its simplicity and natural appeal.Even with refrigerators and modern cookware widely available, many families still pre...

Dull-looking skin is a common concern, especially when dead skin cells, excess oil and environmental impurities accumulate on the face. Changes in weather, humidity, pollution and daily exposure to dirt can affect how fresh and smooth the skin appears.The problem may become more noticeable during th...