Kalam Times

EPF vs PPF: Which Is Better for Retirement? Compare Contributions, Lock-In, Benefits and Flexibility

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...

9 Aug 2026 12:05 pm

Gold's Next Growth Story May Be Driven by Gen Z as Digital Investing Gains Ground in India

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...

9 Aug 2026 11:33 am

UPI Charges Explained: Will Users or Shopkeepers Pay Fees? Heres What You Need to Know

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...

8 Aug 2026 8:24 pm