digitalpanthblog

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Type of Life Insurance Policies Plans Complete Information

Type of Life Insurance Policies Plans? It is essential to purchase the greatest life insurance coverage that meets your financial demands because death is the one thing in life that is guaranteed. Moreover, it is a bigger truth that the loss of any close one can’t be compensated. We have seen everything during the past two years, including incidents that were beyond belief. These trying times have shown us how crucial it is to protect our loved ones and plan for the future. But life goes on. The family of the departed person remains emotionally disturbed, and if the family members get financial support, that becomes a great relief to them.

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How to Update Registered Mobile Number in BOB?

Every BOB account holder is required to keep their contact details updated to ensure smooth and secure banking services. An active mobile number acts as the primary channel for receiving OTPs, transaction alerts, and important communication from the bank.

If you do not have a mobile number that is active with the bank, you are probably encountering problems like:

Not receiving OTP’s while trying to complete a transaction

Not being able to log in to your net banking or mobile banking

Not receiving the important alerts about debits, credits, or suspicious activity

BOB provides multiple ways to update the mobile number, such as online, at an ATM, or by visiting the home branch. This guide will take you through all ways on how to do this step-by-step with all applicable steps, including the steps required, verification and time frame.

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Why UPI Payment Fails – Common Reasons & Easy Fixes

The Unified Payments Interface (UPI) has made online payment simple and instant, but not always seamless. For many users, UPI issues like failed transaction requests, stuck payments, and money deducted without confirmation can happen frequently, especially during busy hours or when their banks are slow.

Some common reasons for these UPI failures are technical bugs, incorrect credentials, app-specific bugs, or daily transaction limits. While most of these situations are temporary, they can be frustrating, particularly when money is involved.

This article will explore the nine most common reasons for failed UPI payments and some simple, easy fixes you can implement immediately.

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How to Create a Realistic Budget and Stick to it?

Creating a realistic budget needs practical knowledge and some other essential skills. With the help of these skills, you can control your finances and achieve your financial objectives. A budget is a kind of strategy which prepares a plan of your total income, your expenditures and the amount you save or invest. A realistic budget accurately represents your true income and spending, assisting you in balancing your desires and necessities. A realistic or practical budget begins with calculating your monthly earnings and subsequently estimating all of your monthly expenditures. When assessing income for your monthly expenditure, consider the amount you receive after taxes and any other deductions of all your revenue. When figuring out expenses, categorise them accordingly. Don’t allocate funds for those things in the budget which you think are ideally good or you believe you ought to spend on those things, but rather you should include those items in the budget which you really need to spend.

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How to Safeguard Your Bank Account From Cyber Threat?

Cyber threats are a very serious issue as they intentionally harm data and disturb digital existence. Cyber threats include computer viruses, data breaches, Denial of Service (DoS) attacks, and other forms of attack.

Cyber threats include the risk of a cyber attack targeting information or assets. It also attacks computer networks for sensitive data for unauthorized access. By accessing this data, they can damage or disrupt it or use it for theft. Cyber threats may originate from employees within the organization or from external parties in remote locations.

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Type of Life Insurance Policies Plans Complete Information

Type of Life Insurance Policies Plans? It is essential to purchase the greatest life insurance coverage that meets your financial demands because death is the one thing in life that is guaranteed. Moreover, it is a bigger truth that the loss of any close one can’t be compensated. We have seen everything during the past two years, including incidents that were beyond belief. These trying times have shown us how crucial it is to protect our loved ones and plan for the future. But life goes on. The family of the departed person remains emotionally disturbed, and if the family members get financial support, that becomes a great relief to them.

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Credit Score vs Credit Report

Credit score and credit report are both essential tools that lenders use to evaluate your financial behaviour, but they serve different purposes.

A credit score is a three-digit number that reflects your creditworthiness, while a credit report is a comprehensive document that outlines your borrowing and repayment history in detail.

Each element plays a distinct role during loan approvals, interest rate decisions, and credit card evaluations. Credit bureaus like CIBIL, Experian, and Equifax generate and provide credit information to lenders based on your financial activity.

Understanding this difference can help you track your credit health more effectively and improve your chances of getting better loan offers from Indian lenders.

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How Much Home Loan Can I Get on Rs 40000 Salary

The maximum amount of a house loan that you are eligible for depends in part on your salary. The amount of loan you qualify for is based on your income, which is calculated by the bank.

Your income and expenses play a major role in your ability to qualify for a home loan. Before granting you a loan, banks take into account a number of variables because they run the risk of house loan default. 

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How to Save Tax Beyond 80C ? — (New & Legal Methods)

Everyone talks about Section 80C — but what if your tax-saving game could go far beyond it?

Yes, most taxpayers lean on Section 80C to claim deductions through instruments like PPF, ELSS, or life insurance. But, there are several other sections under the Income Tax Act that help them save the tax efficiently.

These legal provisions include deductions for health insurance premiums, education loan interest, electric vehicle loans, donations, and even newer schemes like Agnipath.

If your goal is to make the most of your earnings and legally lower your tax burden, you need to look beyond the obvious. In this article, we’ll show you how to save tax through powerful sections other than 80C — with simple explanations and updated tips that anyone can follow.

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ESG Investing for Indian Retail Investors (2025)

Can your investments really shape a better future while growing your wealth?

ESG stands for Environmental, Social, and Governance. Companies that uphold good ESG standards are better equipped to manage risks, stay resilient through crises, and create long-term value.

In 2025, Indian retail investors seem to show more interest in ESG. Financial platforms and fund houses have started rating and tagging funds with ESG labels.

The BRSR (Business Responsibility and Sustainability Reporting) mandate, initiated by SEBI, has become crucial to support ESG investing. Under this mandate, top listed companies must disclose ESG data. This reduces greenwashing, grants greater clarity to retail investors, and enhances their powers of green choice-making.

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How To Reset The Transaction Password of Bank of Baroda?

Among the most well-known banks in all of India is the Bank of Baroda. There are hundreds of people who have Bank of Baroda accounts. This bank offers a wide range of services to its clients, including net banking and monthly bank statements.

One of the best net banking options in all of India is provided by the Bank of Baroda. The net banking feature now offers a tonne of additional services and advantages. Using the Bank of Baroda’s net banking service, one can view their monthly bank statements and make payments to others.

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How to File Your ITR for AY 2024–25 Before the Deadline

Hate it or love it—tax season always shows up on time.

As the new financial year is approaching, it’s time to get serious about your Income Tax Return (ITR). Whether you are a salary earner, a freelancer, or a business person, ITR filing is not only a statutory obligation but a financial hygiene check that keeps your money related matters clean and compliant. Here in this blog, we’re going to walk you through all that you must know before you get your ITR filed accurately and fearlessly for FY 2024-25.

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How to Increase Kotak Credit Card Limit?

Credit Cards of Kotak Mahindra

You have unique access to a variety of benefits when you use a Kotak credit card. You will gain access to airport lounges, earn rewards points, receive cashback, be exempt from fuel surcharges, and receive free cinema tickets, to mention a few advantages. Also, keeping your wants and way of life in mind, Kotak developed these cards. From traveling to shopping, you have a variety of options to think about.

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Insur-Tech in India – Acko vs Digital vs Policy-Bazaar

InsurTech is the combination of insurance and technology. It is set out to change the way insurance products are created, sold, and managed. From AI underwriting, instant claim approvals, and purchasing insurance through an app, it is a digital evolution meant to improve the convenience, affordability, and accessibility of insurance.

In India, InsurTech momentum has become unstoppable. With rising smartphone penetration, a population curious about digital things, and encouragement from IRDAI at the regulatory levels, startups are reshaping the landscape of risk protection.

Most notable among these new entrants are PolicyBazaar, Digit, and Acko. All three operate under an alternate model — from full-stack players to aggregators — yet together represent India’s new face in insurance.

This article takes a deep dive into how these three InsurTech pioneers stack up against each other – comparing their business models, user experience, product offerings, and overall impact to help you understand which platform might suit your needs and why they matter in shaping India’s digital insurance future.

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NPS vs PPF Return Rates, Comparison, Which is Better

NPS vs PPF Return Rates, Comparison, Which is Better? Saving money is a crucial habit to develop if you want to ensure your financial future. But simply allocating a portion of one’s income as savings and letting it lie idle is not sufficient, especially in light of inflation and rising living expenses. To recognize the worth of such money, it is also necessary to choose an appropriate conduit for it. This is where the National Pension Scheme and Public Provident Fund begin, which offer tax advantages, guaranteed returns, and sovereign support to help investors.

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IP-Backed Loans in India – How to Get Loans Using Patents or Trademarks.

What if you can acquire a loan based on your idea alone? No property, gold, land. Just your brand or patent name.

IP-backed loan is a type of funding where you use a registered intellectual property like a patent, a trademark, or a copyright as collateral as an alternative to real assets. This idea is picking up momentum in India, especially among tech startups, content creators, and research-led businesses that may not have traditional security but own high-value IP.

In usual loans, there is a requirement of something like land, house, or gold. But in IP-backed loans, they review your thoughts and how you can gain from them. That way, fresh businesses can develop without having to sell their shares or surrender control.

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Account Aggregator (AA) System – Explained Detailed

Want full control over your financial data? The Account Aggregator (AA) system gives it to you.

It’s a new way to share your bank data safely, with your permission. An Account Aggregator is a type of RBI-approved company that collects your financial data and sends it to those you trust — like a bank or loan company, but only when you say so. You decide who can access your data, for how long, and for what purpose. You give clear, digital consent before your data is shared and you can take it back any time.

The Reserve Bank of India (RBI) introduced this system to enhance data security and transparency. It supports India’s vision of a secure digital economy. Account Aggregator helps you share data — fast, safe, and easy. It’s a part of India Stack, making finance smarter and simpler for everyone.