CA Palak Rathi, A-304, Sun residency, anand mahal Road, adajan (2025)

Q: What is the address?

A-304, Sun Residency, Anand Mahal Road

25/09/2025

Together we’ve saved ₹1,31,030 and here’s how my story added to that.

A few weeks back, our AC suddenly gave up. At first, we thought it was a minor issue, but soon it stopped working altogether. For two days, the repair guy tried his best, but nothing worked. Finally, he told us we’d have to replace it. Buying a new AC felt like a heavy expense, but the timing turned out to be on our side.

Right then, the new GST reforms had just come into effect. The GST on ACs was reduced from 28% to 18%, and that made all the difference. Instead of paying ₹42,850, we ended up getting the new unit for ₹39,500 which meant a saving of ₹3,350.

It’s a small story, but when added with many others like it, the collective savings have already crossed over a lakh. And it makes me wonder, where have you personally felt these GST savings the most?

[NextGenGST, GSTReforms, SavedOnNextGenGST, TaxSavings, ConsumerStories, GovernmentReforms, SmartPurchases, Electronics, HomeAppliances]

21/09/2025

Buying silver for the wedding season?

If you’re planning to purchase silver jewellery, chains, glasses or thalis, make sure to check if the silver is hallmarked. Hallmarking is the government’s certification that the silver you buy is genuine.

Just like gold, hallmarked silver carries 3 key identifiers:

•BIS logo – the official government mark

•Purity grade – shows how much pure silver the item contains (e.g., ‘925’ means 92.5% silver)

•HUID code – a unique 6-digit alphanumeric code that can be verified on the BIS Care App for purity, jeweller details and hallmarking centre

Although not compulsory yet, from 1st September 2025 any jeweller who opts for hallmarking must follow this 3-mark standard. Reputed jewellers are expected to adopt it as it adds trust and credibility.

Share this with your family before the wedding shopping begins.

[SilverHallmarking, BIS, WeddingShopping, SilverJewellery, HUID, BISCareApp]

19/09/2025

Big savings, bigger upgrades!

From TVs and fridges to ACs and washing machines, Flipkart’s Big Billion Days brings massive savings on top electronics. For instance, the Realme 65 inch QLED TV worth ₹93,999 is now just ₹38,999 – saving you over ₹55,000 including GST benefits.

With no-cost EMI starting at ₹100/day and multiple payment options such as credit cards, debit cards, Bajaj Finserv, cardless EMI, and Flipkart’s credit marketplace, upgrading has never been easier. Plus, enjoy 10% savings with ICICI, Axis and Flipkart Axis Bank Credit Cards.

The sale starts on 23rd September, with early access for Plus & Black members on 22nd September.

[Flipkart, BigBillionDay, Sale]

17/09/2025

If you’re a college student looking for scholarships, this is for you.

The LIC Golden Jubilee Scholarship Scheme 2025 helps meritorious students from families earning less than ₹4.5 lakh a year to continue higher studies.

It has two categories: the General Scholarship and a Special Scholarship for Girls.

Selected students can receive financial support ranging from ₹15,000 to ₹40,000 per year, depending on the course.

Medical students are awarded up to ₹40,000, engineering students ₹30,000, while graduation, diploma, vocational and ITI courses receive ₹20,000. Girls applying under the special category are offered ₹15,000 per year.

To be eligible, students must have passed Class 10 or 12 with at least 60% marks. The scholarship covers medical, engineering, graduation, diploma, vocational programs, ITI, and even intermediate for girls.

Applications are open online at https://gjss.licindia.in/GJSS/ and the last date to apply is 22nd September 2025.

Share this with someone who might benefit from this.

[ LIC, Scholarship, College, Student, Golden Jubilee ]

16/09/2025

This is what most people forget when buying a new car.

Not the documents. Not the accessories.
It’s the No Claim Bonus (NCB) - the discount you earn every year you don’t make an insurance claim.

And here’s the part hardly anyone talks about, you can transfer your NCB from your old car to your new one and save up to 50% on your premium.

It doesn’t matter where your old policy was from. With Acko, the transfer is quick and simple.
And that myth about being “forced” to buy showroom insurance? Complete lie.

With a 99.5% claim settlement ratio* and 24x7 support, Acko makes switching both safe and smart.

So the next time someone in your circle is buying or selling a car, remind them of this. Because missing your NCB could literally mean paying double.

[ car, insurance, no claim bonus, acko, home, new car, premium ]

15/09/2025

Your MP gets ₹5 crore every year.

This comes under the Members of Parliament Local Area Development Scheme (MPLADS). Since 2024, over ₹8,900 crore has been allocated across Lok Sabha and Rajya Sabha MPs, and close to ₹2,000 crore has already been utilised.

To make this process transparent, the Government has launched the MPLADS portal, where citizens can:
✅ Check how much fund has been released for each MP
✅ See the works recommended and approved
✅ Even place a request for development work in their area

Going forward, features like exact project locations, real-time updates, photos with geo-tagging, and a public record of citizen requests could make it even more useful.

It’s a step towards open governance and better citizen awareness because knowing how development funds are being used helps us all stay informed. Let’s start talking about it!

.of.india

[ MPLADS, Development, Member of Parliament, Government Initiative, Citizen Awareness ]

12/09/2025

Episode 5: “I had a 10x10 shop, where I started grinding.”

In this episode of People and Policies, we met Mr. Mayur Vaghasiya, owner of Ghanshyam Flour Mill near Olpad. What began as a small shop has today grown into 8 wholesale stores in Surat and exports to more than 10 countries.

A major turning point came when he set up a factory with a total project cost of ₹65 lakh. Out of this, he arranged ₹15 lakh from his own savings, took a ₹50 lakh bank loan, and later received a ₹10 lakh subsidy directly in his account under the PMFME scheme.

Under PMFME, entrepreneurs usually need to arrange only 10 percent of the project cost, up to 90 percent can be covered by loans, and a subsidy of up to 35 percent or a maximum of ₹10 lakh can be availed. More than one lakh food businesses have already benefitted.

Steps to apply for PMFME:

1. Login at https://pmfme.mofpi.gov.in
2. Register yourself as a beneficiary
3. Login to your ID and submit the application form
4. District Resource Person will review the application and suggest approval or amendment
5. It then moves to the District Nodal Officer for final approval
6. After DNO approval, it goes to the bank for processing

Special thanks to Mr. Shankar Pradhan, District Resource Manager for this video. You can directly DM him to avail benefits under PMFME, or DM us and we will share his number with you.

05/09/2025

“Too good to be true?”

We’ve all seen ads that make wild claims. From gels promising 100 hours of hydration to toothpaste claiming instant whitening. But did you know you can actually take action against such ads?

ASCI (Advertising Standards Council of India) allows you to file a complaint directly on their portal. Each case has a public outcome with reasons explained. Sometimes brands get pulled up for misleading claims, and sometimes they prove their ads with valid data.

So far, over 80,000 complaints have been handled around misleading, indecent, or unsafe ads. While ASCI isn’t a government body, it works closely with regulators like CCPA, FSSAI and SEBI. If advertisers don’t comply, penalties of up to 50 lakhs can follow.

Next time you come across an ad that feels unbelievable, remember you can report it. Would you file a complaint against an ad?

[asci, advertising, misleading ads, consumer rights, false claims, india, regulations, ads explained]

29/08/2025

Government to read your WhatsApp Messages?

From April 1, 2026, the new Income Tax Act will officially allow digital evidence to be used in tax investigations. This means WhatsApp chats, Instagram posts, emails, websites, cloud servers, apps and even Google Maps can all be examined.

But this does not mean random snooping. It applies only during authorised income tax raids, and usually when a person is not cooperating with the authorities.

Why was this change needed? The old Income Tax Act, 1961, only mentioned physical evidence like documents, books of accounts, lockers and safes. Digital evidence was not specifically listed, so people under investigation and even courts could question its use. The new law removes this loophole.

The Finance Minister even gave examples: WhatsApp chats exposed a ₹200 crore bogus billing scam, Instagram helped trace benami luxury vehicles, and Google Maps led investigators to hidden cash. In short, what was already happening will now be backed by law.

The opposition, however, has raised concerns. Congress spokesperson Supriya Shrinate and DMK MP Kalanidhi Veeraswamy have questioned if this step threatens people’s privacy.

So is this a necessary reform for the digital age, or a risk to your personal privacy?

25/08/2025

Episode 5: “At 10:30 PM, I was having my dinner when two female police officers came up to me.”

In this episode of People & Policies, we met Miss Purvi Jain, who was travelling alone from Bombay to Surat when this incident took place. Two female police officers approached her, asked if everything was fine, and assured her that she could reach out anytime during the journey.

This wasn’t a random act, it is part of the Meri Saheli initiative by the Railway Protection Force, aimed at ensuring the safety of women travelling alone in long-distance and overnight trains. As part of this initiative, RPF also shares helpline numbers like 139 (Rail Madad) and 182 (Rail Security) for quick support.

Has this ever happened with you on a train journey? Share your experience in the comments.

[Railways, RPF, MeriSaheli, WomenSafety, TrainTravel, IndiaGov, PublicPolicy, IndianRailways, SafeTravel]

.vaishnaw

21/08/2025

If you play BGMI, Chess, or Fantasy Cricket, this concerns you.

The Lok Sabha has passed the Promotion and Regulation of Online Gaming Bill 2025, which divides online games into three categories. E-sports like BGMI or FIFA will now be recognised as sports, social games like Chess or Sudoku will be treated as safe and educational, while money-based games such as poker or fantasy cricket will be declared illegal with heavy fines for the companies running them.

Once this law comes into effect, banks and UPI will not be allowed to process payments for such platforms. The opposition argues that this will impact over 2,000 companies, two lakh jobs and nearly ₹20,000 crore in annual tax revenue, and that players may simply move to offshore sites. The government’s stand is that protecting families and youth is more important than revenue, pointing to 32 suicides in 31 months as well as rising cases of fraud and addiction.

Do you think this bill should also pass in the Rajya Sabha to become law?

[BGMI, OnlineGaming, ParliamentBill, RajyaSabha, FantasyCricket, PokerBan, EsportsIndia, GamingNews, IndianLaw, OnlineGames]

.vaishnaw

19/08/2025

We thought we wouldn’t need to visit the RTO, but we were wrong.

Now you can give your Learner’s License test online. It’s faster and easier, but don’t take it lightly. If you talk, look away, or someone else enters your frame, your test can get flagged under “scrutiny.” In that case, it goes to the State Transport Department and your license gets delayed.

This system is already active in Gujarat, UP, Maharashtra, Delhi and many more states. So if you’re applying, follow the process carefully.

Steps to apply online:

1. Go to [sarathi.parivahan.gov.in](https://sarathi.parivahan.gov.in) → select state.
2. Click “Apply for Learner License” → Aadhaar eKYC.
3. Fill details, select vehicle type, upload photo & signature.
4. Submit application and make payment online.
5. Before the test, watch the tutorial video shown on the portal.
6. Open “Online LL Test” → enter application number.
7. Attempt 15 questions → score 9+ to pass.
8. Get your virtual Learner’s License instantly.

Share this video with someone who’s yet to get their license.

[Learner’s License, RTO, Driving License, Online LL Test, Parivahan, Transport Department, Driving Test, License Application, Sarathi Portal, India Transport]

.nitin

CA Palak Rathi

25/09/2025

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