Commerce News Guruji

06/01/2026

Your Bank Account may be blocked for receiving UPI payments | Real Case.
Receiving money via UPI may look safe, but thousands of innocent Indians are facing bank account freezes without any fault of their own.
This short video shares a real-life case from Mumbai, where a small shopkeeper’s bank account was frozen after receiving just ₹826 via UPI. The reason? The amount was later linked to a cyber fraud complaint—despite no involvement by the account holder.
According to cyber police, once a fraud complaint is made on National Cyber Helpline 1930, the system automatically freezes all linked accounts, even if the transaction amount is just ₹40.
Today, over 40,000 shopkeepers, vendors, and service providers are affected across India.
⚠️ This video is for awareness only.
📢 Share this to protect small businesses and UPI users.

28/12/2025

Why you must link PAN with Aadhaar before 31 December 2025? [Hindi] | Drawbacks of Inoperative PAN.
Many people ask a common question, “If Aadhaar and PAN can still be linked in 2026 by paying a ₹1,000 fee, then why is it important to link them before 31 December 2025?”

In this video, we explain the real problem of delaying Aadhaar–PAN linking.

If you do not link your Aadhaar with PAN by 31 December 2025, your PAN will become inoperative. An inoperative PAN is treated as if you do not have a PAN at all under income tax law.

Even though you can reactivate your PAN later by paying a ₹1,000 fee, the period during which your PAN remains inoperative can create serious financial and tax-related problems.

We also explain why, if you miss the deadline, you should complete Aadhaar–PAN linking as early as possible in January 2026 to minimize damage.

Watch this video till the end to avoid unnecessary tax losses and compliance issues.

27/12/2025

Train Ticket Fare Hike Explained [Hindi].
Before travelling by train, make sure you watch this important update.

Indian Railways has announced a train ticket fare hike effective from 26 December 2025. In this video, we explain which train categories are affected and how much the fares have increased.

Key points covered in this video:
- No change in fares for Suburban Trains, such as Mumbai local trains, which mainly serve short-distance daily commuters.
- Ordinary Non-AC Passenger Trains have seen a fare revision.
- In First Class and Sleeper Class, fares have been increased by 1 paisa per kilometre.
- Second Class / Second Sitting fares have been revised based on the distance travelled.

We also explain what suburban trains are, how they differ from passenger trains, and what this fare hike means for common passengers.

Watch the full video to understand the latest railway fare update and plan your journey accordingly.

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26/12/2025

Air Purifier पर GST कम होगी? हाई कोर्ट ने सरकार से मांगा जवाब.

देश के कई शहरों में हवा की गुणवत्ता (Air Quality) लगातार खराब होती जा रही है। ऐसे में Air Purifier अब केवल luxury product नहीं रह गए हैं, बल्कि यह स्वास्थ्य से जुड़ी ज़रूरत बन चुके हैं। इसी मुद्दे पर अब एक बड़ा GST अपडेट सामने आया है।

मामला क्या है?
दिल्ली हाई कोर्ट ने केंद्र सरकार से यह पूछा है कि:
- Air Purifier पर 18% GST क्यों लगाया जा रहा है?
- क्या इसे कम नहीं किया जाना चाहिए?
कोर्ट ने सरकार को निश्चित समय में अपना जवाब दाखिल करने का निर्देश दिया है।

याचिका में क्या दलील दी गई है?
याचिका में कहा गया है कि:
- Air Purifier स्वास्थ्य सुरक्षा से जुड़ा उत्पाद है
- प्रदूषण से दमा, फेफड़ों की बीमारी, हार्ट प्रॉब्लम जैसी गंभीर समस्याएँ होती हैं
- जब कई medical और health से जुड़े उत्पादों पर 5% या 12% GST है
- तो Air Purifier पर 18% GST अनुचित है
इसलिए मांग की गई है कि Air Purifier को Essential Goods की श्रेणी में लाकर GST कम किया जाए।

कोर्ट ने क्या कहा?
- फिलहाल कोर्ट ने कोई फैसला नहीं सुनाया है
- लेकिन सरकार को नोटिस जारी किया गया है
- इसका मतलब है कि मामला गंभीरता से सुना जा रहा है
अब आगे यह मुद्दा GST Council के पास भी जा सकता है।

अगर GST कम होती है तो क्या फायदा होगा?
अगर GST 18% से घट कर 5% हो जाता है, तो:
✔️ Air Purifier सस्ते होंगे
✔️ आम और मध्यम वर्ग के लिए खरीदना आसान होगा
✔️ Health से जुड़े products को सरकारी समर्थन मिलेगा
📌 उदाहरण:
अगर Air Purifier की कीमत ₹25,000 है, तो सीधी बचत = ₹3,250 (18% GST ₹4,500 - 5% GST ₹1,250)

GST नियमों के अनुसार सच्चाई:
- GST रेट बदलने का अधिकार केवल GST Council के पास है
- कोर्ट सिर्फ सुझाव या दिशा-निर्देश दे सकता है
- जब तक फैसला नहीं आता, तब तक 18% GST ही लागू रहेगा

निष्कर्ष:
प्रदूषण आज एक गंभीर राष्ट्रीय समस्या बन चुका है। ऐसे में Air Purifier पर GST कम करने की मांग तर्कसंगत और समय के अनुरूप लगती है। अब देखना यह है कि सरकार और GST Council इस पर क्या फैसला लेते हैं।

आपकी क्या राय है?
क्या Air Purifier पर GST कम होनी चाहिए? Comment में जरूर बताइए।

25/12/2025

File Revised or Belated ITR for FY 2024-25 by 31 December 2025 [Hindi].
Only a few days left! ⏳

The last date to file your Belated or Revised ITR for FY 2024-25 (AY 2025-26) is 31st December 2025.

If you miss this deadline, you will not be able to file a normal return. You might have to file an ITR-U (Updated Return) later, where you cannot claim a refund and must pay 25% to 50% extra tax!

Don't forget to Like, Share, and Subscribe for more tax updates!

24/12/2025

Income Tax refund not received yet? Here are top 10 reasons for delay.
Has your Income Tax Refund not arrived yet? 😟 You filed your ITR on time, completed the e-verification, and it has been 5 to 6 months, but the status still shows "Pending"?

In this video, we decode the reasons behind this delay. Normally, an Income Tax Refund is issued within 20 to 45 days of processing. However, in certain cases, it can take 2 to 6 months or even longer.

If you are worried about your refund status, watch this video till the end to find the solution.

Don't forget to Like, Share, and Subscribe for more tax updates!

15/12/2025

Your PAN may be In-Operative from 01 January 2026.
🚨 Important PAN Update! 🚨
Did you know that your PAN may become IN-OPERATIVE from 01 January 2026 if certain conditions are not met?

If your PAN becomes inoperative, you may face problems like:
❌ Higher TDS/TCS
❌ Issues in filing Income Tax Return
❌ Problems in bank transactions
❌ Invalid KYC for financial services

👉 Watch this short video till the end to understand:
✔ Why PAN may become inoperative
✔ Who will be affected
✔ What you should do before 01 January 2026

⚠️ Don’t ignore this update — act on time and stay compliant!

08/12/2025

Corona Remedies Limited IPO Review [Hindi].
The Corona Remedies Limited IPO is opening for subscription on December 8, 2025! As the fastest-growing pharmaceutical company among the top 30 in India, Corona Remedies is making waves with its focus on chronic therapies like Women's Health and Cardio-Diabeto. But with the entire issue being an Offer for Sale (OFS), is this a golden opportunity or an exit for promoters?

Disclaimer: This video is for educational and informational purposes only and does not constitute financial advice. We are not SEBI registered analysts. Please conduct your own research or consult your financial advisor before making any investment decisions. Stock market investments are subject to market risks.

👍 If you found this review helpful, please hit the Like button and Subscribe to our channel for more IPO analysis!

06/12/2025

Wakefit Innovations Limited IPO Review [Hindi].
The Wakefit Innovations Limited IPO is opening soon! As India's largest D2C home and furnishings player, Wakefit has evolved from a sleep solutions brand into a complete home solutions provider. But with a history of losses and a recent turnaround to profitability, is this IPO a good bet?

Disclaimer: This video is for educational and informational purposes only and does not constitute financial advice. We are not SEBI registered analysts. Please conduct your own research or consult your financial advisor before making any investment decisions. Stock market investments are subject to market risks.

👍 If you found this review helpful, please hit the Like button and Subscribe to our channel for more IPO analysis!

03/12/2025

Vidya Wires Limited IPO Review [Hindi].
The Vidya Wires Limited IPO is opening for subscription on December 3, 2025! With over 40 years of legacy and a strong position as India's 4th largest winding wire manufacturer, is this the right time to invest in the power and EV ancillary sector?

In this video, we do a complete breakdown of the Vidya Wires IPO RHP (Red Herring Prospectus) to help you decide if this is a hidden gem or a risky bet.

Watch the full video for a detailed valuation breakdown, GMP signals, and our final recommendation (Apply or Avoid)!

👍 If you found this review helpful, please hit the Like button and Subscribe to our channel for more IPO analysis!

Disclaimer: This video is for educational and informational purposes only and does not constitute financial advice. We are not SEBI registered analysts. Please conduct your own research or consult your financial advisor before making any investment decisions. Stock market investments are subject to market risks.

02/12/2025

Aequs Limited IPO Review [Hindi].
In this video, I present a detailed review of the upcoming Aequs Limited IPO. Aequs is a vertically integrated precision manufacturing company operating primarily in the Aerospace and Consumer Durable sectors.

We dive deep into the company's financials, business model, and the potential risks involved to help you decide whether to apply for this IPO for listing gains or long-term investment.

Watch the full video for a detailed valuation breakdown, GMP signals, and our final recommendation (Apply or Avoid)!

👍 If you found this review helpful, please hit the Like button and Subscribe to our channel for more IPO analysis!

Disclaimer: This video is for educational and informational purposes only and does not constitute financial advice. We are not SEBI registered analysts. Please conduct your own research or consult your financial advisor before making any investment decisions. Stock market investments are subject to market risks.

02/12/2025

Aequs Limited IPO Review [Hindi].

Click here to watch👇🏻
https://youtu.be/4ME7A7sJdXo

In this video, I present a detailed review of the upcoming Aequs Limited IPO. Aequs is a vertically integrated precision manufacturing company operating prim...