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Personal Finance / Zee Biz

8th Pay Commission Salary Projections: Are you Grade Pay 1800, 2800, 5400, or 8700 employee? How your salary, HRA, TA, NPS, CGHS amounts may be revised at 2.08, 2.57 and 2.86 fitment factors

8th CPC Salary Projections: Central government employees of different grade pays will see their basic pay and house rent allowance (HRA), transport allowance (TA), National Pension System (NPS), Central Government Health Scheme (CGHS) payouts getting revised once the 8th Pay Commission (8th CPC) is implemented. Know how such payouts for Grade Pay 1800, 2800, 4600, 5400, and 8700 employees may be revised if the 8th CPC fitment factor is 2.08, 2.57, or 2.86!

2 Aug 2025 3:19 pm
Gratuity Calculation: Know your gratuity for Rs 35,000, Rs 55,000 & Rs 75,000 last-drawn basic salary after 7 years 5 months of service?

Learn how gratuity is calculated in India using last-drawn basic salary and years of service, eligibility criteriaand examples showing gratuity amounts for different salaries after 7 years and 5months of service.

2 Aug 2025 11:59 am
MEA reports 1703 deportations of Indians from US in 2025

The deportations were carried out via various modes, including US Customs and Border Protection military flights, chartered flights by US Immigration and Customs Enforcement (ICE), and Department of Homeland Security (DHS) charters.

1 Aug 2025 5:26 pm
Home Loan Calculation: How can you save Rs 21 lakh and 5 years on Rs 52 lakh, 30-year loan?

In order to save heavily on a house loan, we think of paying a large amount as a down payment to cut down the amount of the loan and interest liability. Selecting a shorter loan term or raising the EMI value can also help repay the loan quickly, cutting down the total interest paid and possibly saving lakhs of rupees. Lets find out how.

1 Aug 2025 5:06 pm
SIP vs PPF with Rs 90,000/year investment: Which can generate a larger corpus in 26 years?

SIP (Systematic Investment Plan) and PPF (Public Provident Fund) are both widely used investment tools. SIP invests in mutual funds with flexibility and the scope of greater returns, but is exposed to market risks. PPF is a tax-saving long-term savings plan with assured returns and tax advantages, with stability but typically lower returns.

1 Aug 2025 2:22 pm
8th Pay Commission Pension Estimates: Is your pension Rs 20,800, Rs 41,300, Rs 61,550 or Rs 81,150? Know how it may be revised at 1.92, 2.57 and 2.86 fitment factors

8th Pay Commission Pension Calculations: A Pay Commission is a significant occasion for a number of central government pensioners who are eager to see their pension amounts getting revised. It may take a year or 2 for the whole process to be done as the 8th CPC is yet to be formed. But how can a pension of Rs 20,800, Rs 41,300, Rs 61,550 or Rs 81,150 be revised if the 8th Pay Commission picks 1.92, 2.28, 2.57, or a 2.86 fitment factor? See calculations to know-

1 Aug 2025 11:53 am
PM Kisan 20th Installment: PM Modi to release Rs 20,500 crore to 9.7 crore farmers on August 2

PMKisan20th Installment Latest Update:The centralgovernment isallset to release the 20th installment of the Pradhan MantriKisanSamman Nidhi (PM-KISAN) schemenext month. Prime Minister Narendra Modi willdirectlytransfer overRs20,500 crore to the bank accounts of more than 9.7 crore eligible farmers across the country during his visit to Varanasi on August 2.

31 Jul 2025 8:54 pm
SCSS vs PSU Bank Senior Citizen FDs: Where can you get highest quarterly payout on Rs 10 lakh, Rs 20 lakh, and Rs 30 lakh investments?

SCSS vs PSU Bank Senior Citizen FD: Post Office Senior Citizen Savings Scheme (SCSS) offers a quarterly payout after a lump sum investment. On the other hand, banks offer extra interest rates on their FDs to senior citizens compared to what they offer to general citizens. But if you have Rs 10 lakh-Rs 30 lakh to invest. Which will give you the highest payoutSCSS or FDs from leading PSU banks such as SBI, PNB, Canara Bank, BoB, or IOB? See calculations to know-

31 Jul 2025 7:05 pm
Top 4 Smallcap Mutual Funds With Highest SIP Returns in 10 Years: Rs 15,000 SIP investment in No. 1 fund has jumped to Rs 73 lakh

Top 4 Smallcap Mutual Funds With Best SIP Returns in 10 Years: Smallcap mutual funds are risky for their high proportion of smallcap stocks but they have high potential growth in the long term. Smallcap funds have given up to 26.29 per cent annualised SIP return in 10 years. See which of them has topped the tally.

31 Jul 2025 3:59 pm
8th Pay Commission Salary Estimates for Level 3 Employees: Are you earning Rs 23,100, Rs 29,300, or Rs 40,600 as basic pay? Know your projected revised payout at 2.57 and 2.86 fitment factors?

8th CPC Salary Estimates: Level 3 central government employees, as per the 7th Pay Commission (7th CPC) pay slabs, are lower division clerks, data entry operators (DEO) Grade A, junior secretariat assistants, constables in paramilitary forces, etc. How their basic pay may be revised if the 8th CPC fitment factor is 1.92, 2.28, 2.57, or 2.86.

31 Jul 2025 3:36 pm
Retirement Planning: Will Rs 5 crore corpus be sufficient for your retirement? Why you may require more

Retirement Planning: Value of money depreciates. Things that you purchase for Rs 10,000 today may cost you more tomorrow. So if you are a 40-year-old person eyeing an Rs 5 crore corpus 20 years from now, will it be sufficient for your retirement phase of 20 years? Know what amount you may actually need and how you may reach there.

31 Jul 2025 2:04 pm
SIP Calculation: Rs 20,000/month investment, how quickly can you generate over Rs 15 crore corpus? See calculations

Lets find out how soon you can generate over Rs 15 crore corpus if you invest Rs 20,000 monthly in a systematic investment plan (SIP). Here, we will deal with simple calculations to find out the estimated retirement corpus.

31 Jul 2025 1:52 pm
Gratuity for Government Employees: What can be your gratuity on Rs 92,000 last-drawn basic pay and 30 years of service?

Gratuity Calculations for Government Employees: Gratuity forms quite a significant part of the retirement benefits of a government employee. They may get up to an Rs 25,00,000 gratuity post retirement. But what will be their gratuity if they retire with an Rs 92,000 last-drawn basic pay and 30 years of service? Know here

30 Jul 2025 6:21 pm
NPS Annuity Calculations: Want to purchase NPS annuity worth Rs 1 crore? See monthly pension you may get in 5 different annuity plans

NPS Annuity Planning: National Pension System Tier I account holders need to purchase an annuity plan when they turn 60 years old. If you have an Rs 2 crore NPS corpus and use 50 per cent of that amount to purchase an annuity plan worth Rs 1 crore, how much monthly pension may you get in different types of NPS annuities? Know here-

30 Jul 2025 5:08 pm
Raksha Bandhan 2025: 5 Smart financial gift ideas for sisters

Raksha Bandhan 2025 is just around the corner. Amid the excitement, there might be a big question on the brothers' minds about what they should gift their sisters. Well, why not break the stereotype of just paying your sister cash? How about you use that cash to plan a smart financial gift for her? Lets go through the article to explore 6 smart financial gift ideas for sisters.

30 Jul 2025 4:44 pm
Wealth Building from One-time investment: How your Rs 5 lakh investment gift on your kids 5th birthday can grow to Rs 2,64,00,000 by the time they turn 40

Wealth Building From One-time Investment: What can be a better gift for your child than to start an investment in their childhood? When they grow young, the investment may create significant wealth for them. Know how an Rs 5 lakh investment gift on your kid's 5th birthday may help them get Rs 2,64,00,000 at their 40th birthday.

30 Jul 2025 4:03 pm
Investment Planning for Late Beginners: Are you 40 years old? Here's why you may still have a fair chance of creating Rs 5 crore corpus?

Investment Planning for Late Beginners: Do you have 0 corpus at 40 years of age? You may generate an Rs 5 crore retirement corpus by 60 years of age. All you have to do is to invest a sizeable portion of your income every month and top it up every year. See how it may be achieved!

30 Jul 2025 1:37 pm
8th Pay Commission Estimates for Level 5 Employees: Is your salary Rs 30,100, Rs 35,900, Rs 40,400 or Rs 51,100? How it may be revised at 5 different fitment factors

8th CPC Projections for Level 5 Employees: In the 7th Pay Commission (7th CPC), Level 5 employees are Grade Pay 2800 (Pay Band 5200-20200) employees. They are non-gazetted officers and mainly hold supervisory roles. They have 22 vertical basic salary slabs within Level 5. How their salary may be impacted in the 8th Pay Commission (8th CPC) if it decides on a 1.92, 2.08, 2.28, 2.57, or 2.86 fitment factor now. See estimates to know!

30 Jul 2025 12:39 pm
EPS Pension Estimates: How you can get maximum Rs 7,500/month EPS pension after your service

EPS Pension Calculations: Employees' Pension Scheme is part of an employee's Employees Provident Fund (EPF) account, where they get a fixed pension at the retirement age of 58. The maximum pension allowed is Rs 7,500. But how can an employee get it?

29 Jul 2025 3:48 pm
Home Loan Calculation: How can you save Rs 20 lakh and 5 years on Rs 50 lakh, 30-year loan?

Going for a shorter loan duration can save you entirely. By paying a slightly higher EMI, a Rs 50 lakh home loan of 30 years can be brought down to 25 years, saving you almost Rs 20 lakh and some repayment years. Let's break it down how.

29 Jul 2025 3:29 pm
SIP vs PPF with Rs 90,000/year investment: Which can generate a larger corpus in 32 years?

Here, we will explore the two widely used investment schemes, Systematic Investment Plans (SIPs) in mutual funds and Public Provident Fund (PPF). SIP enables you to invest a fixed amount at regular intervals in mutual funds with market-linked returns. PPF, on the other hand, is a government-guaranteed savings scheme with guaranteed returns. Let us compare them by finding out how much corpus they can build up by investing Rs 90,000 per year over 30 years to see which one can produce a better retu

29 Jul 2025 3:27 pm
SIP for Daughter's Foreign Education: Want to get inflation-adjusted Rs 1 cr for your newborn daughter by her 18th birthday? How much you may need to invest one-time, yearly and monthly

SIP for Daughter's Foreign Education: A lot of parents want their daughters to get the best level of education in India and abroad. But quality education is costly at most places. Do you think an Rs 1 crore inflation-adjusted amount will be sufficient for your newborn daughter to get a foreign education when she turns 18? Know what may be your lump sum (one-time), monthly SIP, and yearly investment to achieve that target.

29 Jul 2025 2:35 pm
8th CPC IAS, IPS Salary Hike Estimates: How Level 10 officers can see their basic pay, HRA, TA, NPS, CGHS payouts revised at 1.92, 2.08, 2.28 and 2.57 fitment factors

8th CPC Estimates for IAS, IPS Officers: When IAS and IPS officers join their service, they become a Level 10 employee in terms of the 7th Pay Commission (7th CPC) pay matrix. In the 8th Pay Commission, their pay, HRA, TA, NPS, and CGHS may be revised at 1.92, 2.08, 2.28, and 2.57 fitment factors; see estimates!

29 Jul 2025 2:16 pm
SIP for Childs Education: How much SIP, one-time investment you need to build Rs 1 crore corpus in 15 years

SIP Investment for Education Planning: Every parent has an ambition to educate their child to a high standard. But modern education is expensive, and, as a parent, one needs quite a substantial amount to help their child pursue it. What if you target Rs 1 crore in 15 years for your child's college education? How much you may need to invest today, yearly, and monthly.

28 Jul 2025 6:39 pm
Power of Rs 1,50,000 PPF Investment: In how many years you can generate Rs 1.35 lakh/month tax-free income, Rs 2.27 crore corpus from Public Provident Fund

Power of Rs 1,50,000 PPF Investment: Public Provident Fund (PPF) investment may be an effective tool to create a large tax-free retirement corpus in the long term. Such a large corpus may help an investor draw a significant passive income just from the interest. One may create a Rs 2.27 crore tax-free retirement corpus and generate a Rs 1.35 lakh per month tax-free income for decades from the same corpus. Know how it may work out-

28 Jul 2025 6:16 pm
SIP Calculation: Rs 20,000/month investment, how quickly can you generate over Rs 5 crore corpus? See calculations

Are you a beginner looking to invest in a systematic investment plan, or are you an investor who is well-versed in SIPs? Regardless, its natural to be curious about how soon you can build an Rs 5 crore corpus by investing Rs 20,000 monthly in SIP. Well, in that case, lets find out how quickly you can reach the target corpus.

28 Jul 2025 6:04 pm
Rs 7,000 SIP Vs Rs 7,00,000 Lump Sum: Which can generate a higher corpus in 30 years?

Lets find out which investment option may generate a higher corpus in 30 years on the respective amount mentioned above. We will find out the difference with the help of calculations.

28 Jul 2025 2:05 pm
DA Hike for July 2025: Can DA rise be 3% or 4%? How much dearness allowance may central government employees get in July?

DA Hike for July 2025: Dearness allowance (DA) helps central government employee payouts meet inflation. As the last DA hike for the 7th Pay Commission (7th CPC) is set to happen in July, can it be 3 per cent or 4 per cent? See projections based on the latest AICPA-IW data-

28 Jul 2025 1:52 pm
PAN Card Scam: How to identify if someone has taken a loan in your name?

You should immediately take action if you find something fraudulent using your credentials. First of all, inform the lender listed in your report and let them know the loan was not taken out by you.

28 Jul 2025 12:42 pm
Power of Rs 1,50,000 PPF Investment: In how many years may you generate Rs 92,000/month income, Rs 1.55 cr tax-free corpus from Public Provident Fund?

Power of Rs 1,50,000 PPF Investment: Public Provident Fund (PPF) is a small savings scheme for investors seeking to build a corpus for long-term perspective. The scheme has a maturity period of 15 years. But if an investor is consistent, they may keep investing to generate around Rs 92,000/month tax-free income for decades and a Rs 1.55 crore corpus. Know how it may be possible!

28 Jul 2025 10:35 am