Katyaini Kotiyal

UPI​‍​‌‍​‍‌ has truly revolutionised our lives in terms of money management. It has made payments, transfers, and bill settlements so fast and easy that it has taken away all the hassle.

Ravi applies for a loan and gets rejected because his credit score stays low. The reason confuses him because he never borrowed money before. Without past loans or repayments, the system has nothing to evaluate. 

You open your UPI app to send money, and everything looks normal at first. The balance shows correctly, the amount feels routine, and the PIN works without issue. Still, the...

Ravi, a salaried employee in Bengaluru, manages his finances by budgeting his monthly expenses, investing in mutual funds through SIPs and PPF, and paying his home loan...

Every digital payment leaves behind a trail. Transaction IDs, reference numbers, and tracking codes. These trackers quietly ensure that money moves securely from one account to another.

You use UPI for everything, from shopping to paying utility bills. But what if the amount is debited, but the transaction is still incomplete? It usually happens due to technical reasons, network issues, or banking errors. But you can easily get a refund with a quick resolution process as per the RBI and NPCI rules.

हमारी फाइनेंशियल ज़रूरतें दिन-ब-दिन बढ़ रही हैं और इतनी सारी डिजिटल सुविधाओं के साथ, अलग-अलग फीचर्स और संस्थानों के बीच जानकारी शेयर करना अक्सर मुश्किल हो सकता है।...

Since everything always went without a hitch, Rohan never gave his PIN any thought. He made payments at retailers, took out cash, and used lending apps without thinking twice.

Financial emergencies do not arise on a schedule and, unfortunately, are rarely a one-time occurrence. In these situations, you may need access to money in parts and over a fixed...