Personal Finance & Career Archives

Pension, Retirement Benefits and Social Security Schemes for Central Government Employees

Central Government employees enjoy pensions, gratuity, leave encashment, health cover, and family pensions. The OPS-NPS debate continues, OPS gave assured security, while NPS ensures fiscal sustainability. Balancing employee welfare with government finances will define India’s pension reforms ahead.

Urvashi Kathuria

September 3, 2025

Pay, Allowances and Perks of Central Government Employees

The salary structure of Central Government employees in India is carefully designed to balance stability, competitiveness, and fairness. With a combination of basic pay, allowances, and a wide range of perks, these jobs continue to be among the most sought-after in the country.

Urvashi Kathuria

September 2, 2025

September 2025 Financial Deadlines Every Indian Must Know: ITR, Pension Switch, and SBI Card Changes

September 2025 is shaping up as a decisive month for taxpayers, government employees, credit card users, and small investors alike. The extended ITR deadline provides relief but demands timely compliance. Pension scheme choices will determine retirement outcomes for lakhs of employees.

Urvashi Kathuria

September 2, 2025

PNB and Bank of India Cut Lending Rates: What It Means for Your Home and Personal Loans

PNB and Bank of India's moves to lower MCLR in September 2025 offer welcome relief to loan holders—especially those with floating-rate home or personal loans. While each basis point reduction may seem small, collectively, they can shrink your monthly commitments and add up to sizeable long-term savings.

Urvashi Kathuria

September 1, 2025

The Importance of Financial Literacy for Young Adults

Financial literacy is one of the most powerful skills a young adult can develop. It affects every aspect of life, from daily spending and debt management to long-term goals like buying a home or retiring comfortably. The earlier financial knowledge is gained, the stronger its impact.

Urvashi Kathuria

August 28, 2025

How to Write a CV That Stands Out in 2025

A CV in 2025 is not just a list of jobs; it is your personal marketing document. With employers using AI screening tools and focusing on skills-first hiring, your CV must be tailored, clear, and achievement-focused.

Urvashi Kathuria

August 24, 2025

Work‑Life Balance: Tips for Staying Productive Without Burning Out

The beauty of balance is that it doesn’t require dramatic changes. Small adjustments add up: leaving your desk for a proper lunch, scheduling exercise like an appointment, switching off devices an hour before bed, or saying “no” to non-essential commitments.

Urvashi Kathuria

August 22, 2025

Pension, Retirement Benefits and Social Security Schemes for Central Government Employees

Pay, Allowances and Perks of Central Government Employees

September 2025 Financial Deadlines Every Indian Must Know: ITR, Pension Switch, and SBI Card Changes

PNB and Bank of India Cut Lending Rates: What It Means for Your Home and Personal Loans

The Importance of Financial Literacy for Young Adults

How to Write a CV That Stands Out in 2025

Work‑Life Balance: Tips for Staying Productive Without Burning Out

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