We share expenses all the time, from brunches and weekend trips to cab rides, OTT subscriptions, and even quick grocery runs. But the minute the bill arrives, confusion begins. Who owes what? Who paid last time? Who still hasn’t settled?
Will you achieve financial security by 30?
Your saving and planning habits will decide the answer. You must make choices that contribute to your long-term goals. You should find out where your money goes and make smart choices accordingly. This helps save enough to be financially secure by the time you reach 30.
We trust UPI for everything today, from QR scans to monthly bill payments. So, when you spot a strange transaction or send money to the wrong person, your heart skips a beat.
Have you noticed how every time you try to download a statement, check an EMI, or raise a query, you are first asked for your loan account number? It is the one detail that ties your entire loan journey together.
If you use digital payments every day, you already know how fast India is moving toward a cashless life. But there is one small detail that still confuses many people: what is a UPI ID, and why do apps keep asking for it?
Think of all the times you paid at a local kirana store, split a dinner bill, or sent funds home. Behind every tap lies a simple digital address that keeps your money flowing safely. Once you understand it, UPI starts feeling effortless.
Last Sunday, Meera tried to split a dinner bill with her friends and suddenly realised she couldn’t recall her UPI PIN. That same evening, her cousin Rohit changed his PIN after spotting a couple of unusual login alerts on his banking app.
Two very ordinary moments, yet both highlight how important that code really is.
This is something most of us can relate to: our muscle memory failing us at the worst possible time. Sometimes you end a call instead of answering it, hit Shift + Delete instead of just delete, and lose critical data or files.
Things could get worse, for instance, when you enter the wrong UPI pin thrice and get your UPI app locked, especially when there is a long queue behind you.
India’s loan delinquency rate shot up from 3.3% to 3.6% in March 2025. What does this suggest? Borrowers are increasingly defaulting on loan repayments these days. As a result, getting loan approvals has become tougher. Any hint of default risk, and your application is rejected.
To improve their chances, borrowers usually focus on credit score and debt-to-income ratio, since these directly impact creditworthiness. But that’s not all; FOIR also plays a key role.
Have you ever noticed how UPI payment apps never ask for your bank account number? When you set up your UPI, all you are asked for is to create something that looks like an email address, and you are all set.
That "email-like address" is essentially a Virtual Payment Address: a simple replacement to enable quick transfer of funds. You no longer have to enter 16-digit account numbers or IFSC codes to send or receive funds.
This post will explore what VPA is in UPI, including its workings, the benefits it offers, and the most common suffixes in use for VPA today.