UPI ATM cash withdrawal allows you to withdraw money from an ATM without using a debit or credit card. With the UPI cash withdrawal ATM feature, you can scan a QR code displayed at the ATM using any UPI app and enter your UPI PIN to complete the transaction. This service is based on Interoperable Cardless Cash Withdrawal (ICCW). Key HighlightsMaximum withdrawal limit: Up to ₹10,000 per transaction, subject to bank-specific limits.QR code-based process: Scan the ATM-generated QR code and authorise the transaction through your UPI app.Supported UPI apps: Works with popular apps such as PhonePe, Google Pay, Paytm and BHIM.Enhanced security: Transactions are authenticated using a UPI PIN and may require additional verification for certain transactions.Widely available: Supported by several banks and ATMs across India through the ICCW framework.What is Cash Withdrawal using UPI at an ATM?UPI ATM cash withdrawal is a cardless way to withdraw money from ATMs using UPI apps like PhonePe, Google Pay, Paytm, etc. Launched in 2023, this feature allows users to scan a dynamic QR code generated at the ATM and authenticate the withdrawal using their UPI PIN. This system uses Interoperable Cardless Cash Withdrawal (ICCW) which is a secure method that reduces the risk of card-related frauds. Recent updates have introduced additional security measures and clarified how UPI ATM cash withdrawals are treated for ATM transaction limits.UPI ATM cash withdrawals are counted towards the monthly free ATM transaction limit applicable to your bank account.

The Kotak Bank SWIFT Code, also known as the Kotak Mahindra Bank SWIFT Code, is essential for sending or receiving international payments to and from India. The Kotak SWIFT Code helps ensure that overseas payments and international business transactions are transferred securely.Key HighlightsPrimary Code: ‘KKBKINBBXXX’ is the standard format for all the retail branches in India.SWIFT vs. IFSC: SWIFT handles international wires while IFSC handles domestic transfers.Length: 8 characters refers to the main bank hub; 11 characters target specific departments.Issuer: It is managed and issued directly by the SWIFT network under ISO standards.WIFT vs. IFSC: SWIFT handles international wires; IFSC handles domestic transfers (NEFT/RTGS).Length: 8 characters route to the main bank hub; 11 characters target specific departments (e.g., NRI, Treasury).Issuer: Managed and issued directly by the SWIFT network under ISO standards.WIFT vs. IFSC: SWIFT handles international wires; IFSC handles domestic transfers (NEFT/RTGS).Length: 8 characters route to the main bank hub; 11 characters target specific departments (e.g., NRI, Treasury).Issuer: Managed and issued directly by the SWIFT network under ISO standards.WIFT vs.

When facing a financial shortfall or an unexpected emergency, securing a personal loan might not always be a viable option. In such situations, many banks and financial institutions offer loans against property (LAP), which can provide a potential solution. Obtaining an LAP involves specific rules and conditions, but it can be a feasible way to secure quick loan approval to meet your needs. Key Highlights:Application Requirements: Submit documents related to your income, identity, and the property you wish to mortgage.Tax Benefits: LAP can qualify for tax deductions if the loan is utilised for purchasing another property or business-related expenses.Interest Rate Comparison: It's crucial to compare interest rates from multiple lenders to secure the best deal and make an informed decision.What Is Loan Against Property?A Loan Against Property (LAP) is a type of secured loan provided by banks and financial institutions, using your property as collateral. Acceptable collateral assets typically include residential houses, land, or commercial properties.LAPs are also referred to as mortgage loans. The loan against property interest rate is influenced by factors such as the property's value, your credit score, and the loan amount. The lending institution retains the property as collateral until the loan is fully repaid because LAPs often have no restrictions on how the funds can be used; they are a popular choice for debt consolidation. However, if loan repayments are not made, the lending institution has the right to sell the property to recover the outstanding loan amount. How to Get Loan Against Property?Applying for a loan against property is simple and can be done through both online and offline channels.

Residents of Bihar who wish to participate in the upcoming elections can check their name in the Voter List Bihar 2026. Indian citizens aged 18 or above who are residents of a constituency in Bihar are eligible to vote.Key Highlights:Voter List Check: On the ECI website or the CEO Bihar portalSearch Options: Using EPIC number, registered mobile number, or personal detailsNew Voter ID Application: Online via the NVSP portal using Form 6, or offline at your nearest Electoral Office.Address Update: Online through the NVSP portal using Form 8, or offline at your nearest Electoral Office.How to check Name in Bihar Voter ListAccess the ECI HomepageNavigate to the Election Commission of India (ECI) website.Navigate to the Elector MenuFind and click on the "Elector menu" tab located on the homepage.Search for Your NameWithin the Elector menu, select the option "Search your name in the electoral roll."Enter Your InformationTo locate your name in the electoral roll, enter your EPIC number or Voter ID in the appropriate search fields.Procedure to View Name in PDF Electoral RollVisit the “Search in Electoral Roll” page on the Chief Electoral Officer, Bihar portal.View your name in the list using EPIC number or personal details or registered mobile number.Once you select the option the details can be entered accordingly to view the nameEligibility to apply for Voter ID card in BiharIndian citizens who have reached the age of 18 by January 1st of the year in which the electoral roll is updated are eligible to vote. This date serves as the qualifying cutoff for determining voter eligibility. Additionally, it is necessary for the individual to be a regular resident of the constituency where they intend to vote. How to Apply for Voter ID Card in Bihar Online?Step 1: Access the Portal Go to the National Voters' Services Portal (NVSP) website.Step 2: Initiate Sign-UpClick on the 'Sign-Up' option located at the top right corner of the homepage.Step 3: Enter Your DetailsProvide your mobile number, email ID, and captcha code, then select 'Continue'.Step 4: Set Up Your AccountInput your 'First Name', 'Last Name', 'Password', and 'Confirm Password', then click the 'Request OTP' button.Step 5: Verify Your IdentityEnter the OTP received on your mobile number and email ID, and select 'Verify'.Step 6: Log Into Your AccountClick the 'Login' button, enter your mobile number, password, and captcha, then press the 'Request OTP' button.Step 7: Complete LoginInput the OTP received on your mobile number and select the 'Verify & Login' button.Step 8: Start New Voter RegistrationSelect the 'Fill Form 6' button found under the 'New registration for general electors' tab.Step 9: Fill Out Form 6Fill out all required fields on Form 6, including personal, relatives', and contact details, Aadhaar information, date of birth, and address. Attach necessary documents as instructed and click the 'Preview and Submit' button.Step 10: Finalize SubmissionReview all details for accuracy and click 'Submit' to complete your registration.How to Apply for Voter ID Card in Bihar Offline? Follow these steps to obtain your Voter ID card:Go to your nearest Electoral Office and ask for Form 6.Fill in all the necessary information on Form 6.Attach the necessary documents to Form 6 and submit them at the Electoral Office.A Booth Level Officer may come to your residence to verify the information provided in the application.Once your details are confirmed, the office will send your Voter ID card to your registered address via mail.Documents required for Voter ID cardOne recent passport-size photograph.Aadhaar cardPhoto-copies of Proof of Date of Birth document. The following documents can be submitted for Proof of Date of Birth:Birth certificate issued by the competent Municipal authority, local body or Registrar of Births and Deaths  Aadhaar cardPAN card Driving license Certificates of Class X or Class XII issued by the CBSE, ICSE or State education boardsIndian PassportPhoto-copies of Proof of Address document.

The total Employees’ Provident Fund (EPF) amount consists of the contribution made by the employer and employee and the accumulated interest on the amount. You can withdraw your entire PF amount after 2 months of resignation from a job provided you are still unemployed. However, in certain conditions, you can claim it before attaining the age of 58. Eligibility For PF Withdrawal After ResignationYou need to fulfil certain conditions to be eligible to withdraw PF amount after Resignation, which is as follows:You must serve a notice period of one month or pay the corresponding amount to the employer.You must complete two months of continuous service with your current employer. Your personal details must be updated on the EPFO portal. You have not joined another company or job.You can withdraw 75% after one month of resignation and the entire amount after two months of resignation.Procedure For PF Withdrawal After ResignationHere is the procedure for PF withdrawal after your resignation:Submit Form 19The first step towards withdrawing your PF balance is to submit Form 19 (PF Settlement Form) to your current employer. You can easily obtain this form from the official website of EPFO or the nearest EPFO office. Before submitting it to your current employer, you must sign the form. You must also submit a cancelled bank account's cheque or a copy of your bank account’s passbook.PF Account TransferIn case you change your job, you can transfer your PF account from your previous employer to the new one to avoid incurring tax on the interest. You can do this simply by submitting Form 13 to the current employer. Post submition, your current employer will verify all necessary details and approve your withdrawal request. This process may take approximately 20 days from the date of form submission. After withdrawal request approval, your accumulated PF amount will be automatically credited to your bank account after 30 days from the date of approval.How To Withdraw From EPF Account Online?In today’s era of digitalisation, making a withdrawal request for a PF amount is hassle-free. Simply visit the EPFO portal and submit a withdrawal claim using your UAN.

Latest Update: The last date for uploading documents online for Aadhaar updates is June 14, 2026. Citizens can update their name, address, and other demographic details on the UIDAI website.An Aadhaar card is a 12-digit unique identification number issued by the Unique Identification Authority of India (UIDAI) to Indian residents. It serves as valid proof of identity and address and is essential for availing government welfare schemes, financial services, and digital authentication. Over 138 crore Aadhaar cards have been issued across India, making it the most widely accepted ID in the country.Aadhar DetailsKey InformationWhat is an Aadhaar CardA 12-digit unique identification number issued by UIDAIIssuing AuthorityUnique Identification Authority of India (UIDAI)Aadhaar Card EligibilityAll Indian residents, including NRIs with valid Indian passportsInception of Aadhaar CardSeptember 2010Validity of Aadhaar CardLifetimeTotal Aadhaar Enrolments138 crore (approximate, as of September 2023)Number of Enrolment CentresOver 30,000 centres across IndiaCustomer Care Number1947 (Toll-Free)Eligibility for Aadhaar Card Any resident of India, regardless of age or gender, is eligible to apply for an Aadhaar card. This includes:Indian citizens residing in IndiaNewborns and children (through Baal Aadhaar)Non-Resident Indians (NRIs) with a valid Indian passport and a stay of at least 182 days in India in the preceding yearForeign nationals residing in India under certain visa categories (for temporary Aadhaar use in specific services)Documents Required for Aadhaar CardEnrollment for an Aadhaar requires three types of documents – Proof of Address (POA), Proof of Identity (POI), and Date of Birth (DOB).

As job switches are becoming increasingly common among the Indian workforce, the provident fund account, in which both the employer and employee contributes to the retirement fund, should be smoothly transitioned to the current employer. The PF balance can be transferred using UAN online.Why Transfer Your PF?In cases of job transfer, the employee will have two options in such cases as regarding his PF account balance.Employee’s contribution with interest can be withdrawn if the employee continues to be on break for up to 60 days; orTransfer the balance to the current employerIn order to make it an ideal saving for retirement it is always better to transfer the PF balance instead of withdrawing. This is also advisable from the tax standpoint as withdrawal of PF within 5 years of continuous service attracts tax.PF Transfer Online - Key check points While the PF transfer was possible online earlier under ‘Online Transfer Claim Portal’, with the introduction of UAN, the process of transfer is revised and shifted under ‘unified portal’. However, in order to make online PF transfer, please ensure the following:The member should have activated his UAN in UAN portal and mobile number used for activation should also be activeBank account and bank IFSC code of employee should be seeded against the UAN Seeding Aadhar number and PAN against UAN is not mandatory for raising transfer claimsThe employer should have approved the e-KYCThe previous/current employer should have digitally registered authorized signatories in EPFOPF account number of both previous and current employment of an employee should be entered in EPFO databaseOnly one transfer request against the previous member ID can be acceptedPersonal information and PF account related information is shown in EPFO should be correctDocuments Required to PF TransferValid ID proof (PAN card, Aadhaar card or driving licence) UAN PF account number Present employer’s details Bank account details Current and old PF account details Establishment numberHow to Transfer PF Online?Now we know that PF transfer can be made online and above criteria need to be fulfilled. Let us understand the procedure step by step with the help of screenshots:Step 1:Login to Unified portal (member interface) by using your credentials i.e., UAN number and passwordStep 2: After login, click on ‘One Member – One EPF Account (Transfer Request)’ under Online ServicesStep 3:Verify personal information and PF account for present employment:Step 4: PF account details of previous employment would appear on clicking on ‘Get details’ below.Step 5:You have the option of choosing either your previous employer or current employer for attesting the claim form based on the availability of authorized signatory holding DSC. Choose either of the employers and provide member id/UAN:Step 6: In the next step, click on ‘Get OTP’ to receive OTP to UAN registered mobile number and enter the OTP and click on submit.Step 7: Once you click ‘Submit’ you can see the Tracking ID and PF account details.

Wrong UPI transactions occur when money is mistakenly transferred to an incorrect UPI ID, mobile number, or bank account. Raising a wrong UPI transaction complaint within the first 24–48 hours significantly improves your chances of recovering the funds. You can initiate a UPI reversal request through your bank, UPI app, or the UPI wrong transaction complaint number provided by the NPCI.Key Highlights:NPCI’s wrong UPI transaction complaint number: 1800-120-1740.If unresolved within 30 days, escalate the issue to RBI Ombudsman.Raise a dispute directly through the UPI app’s Help/Dispute option.File a grievance on the NPCI Customer Redressal Portal if the issue remains unresolved.Call the wrong UPI transaction complaint number, 1800-120-1740, for immediate assistance.If recovery fails, you may escalate the matter legally by filing a police complaint.What is a Wrong UPI Transaction?A wrong UPI transaction occurs when money is mistakenly transferred to an incorrect UPI ID, mobile number, or bank account due to human error or technical issues. This can happen if the sender enters the wrong UPI details, selects the wrong contact, or falls for a fraudulent request.As per the guidelines of RBI, it is the sole responsibility of the beneficiary to enter the correct details to avoid a wrong UPI transaction. In such cases, it’s essential to raise a wrong UPI transaction complaint as soon as possible. Acting quickly increases your chances of recovering the amount.If you have sent money to any wrong UPI ID, you can complain to the payment system provider.  RBI guidelines also allow you to escalate the issue to the bank or further to the RBI Ombudsman if the UPI wrong transaction complaint remains unresolved.How to Reverse Wrong UPI Transaction?If you have made a wrong UPI transaction, don’t panic.

An auto sweep facility is a smart banking feature that links your savings account to a fixed deposit. It allows surplus funds to automatically earn higher interest while maintaining liquidity. When your savings balance exceeds a set threshold, the excess is transferred to an FD, and funds are swept back in when needed, offering both returns and flexibility.Many banks offer this feature, such as the auto sweep facility in SBI, to maximise returns on idle balances.Key HighlightsAuto sweep facility links your savings account to a fixed deposit for higher returns.Excess balance is automatically transferred to FD; money is swept back when needed.Provides higher interest like FD while maintaining liquidity of a savings account.Banks offering auto sweep include SBI, HDFC, ICICI, Bank of India, and others.Auto sweep facility in SBI can be activated through SBI Net Banking or YONO.What is an Auto Sweep Facility? This banking feature links your savings account to your fixed deposit account, which helps you earn higher interest rates on the extra idle money lying in your savings accounts. As is implied by the phrase ‘auto sweep’, this feature transfer extra funds lying in the savings account to your fixed deposit account. All you need to do is connect your savings and fixed deposit accounts and set up a monetary limit.When the balance in the savings account exceeds the set limit, the auto sweep facility will start functioning. The excess amount will get transferred to the fixed deposit account. When the amount in your savings account goes below the minimum limit, then auto sweep transfer fund from fixed deposit account to your savings account to maintain the minimum limit. This helps the average interest on the excess funds grow faster than the interest earned from savings accounts, and provides liquidity to account holders.If you want to earn good return on your lied amount in bank but at the same time you need high liquidity, then the auto sweep facility is for you. It offers you return and you can withdraw the amount easily whenever you want. How does the Auto Sweep Facility Work? First, you need to specify a threshold limit on your savings account.

Union Bank savings account offers attractive interest rates and lucrative features. If you are planning to open a savings bank account with Union Bank of India, keep reading to learn about its types, opening process, features and benefits, etc.Key HighlightsYou can open a Union Bank savings account online via the Union Selfie & M-Passbook app or the bank’s website, with Aadhaar/PAN and branch KYC verification.For offline, simply visit a branch with KYC documents, fill the form, and complete verification.You can earn an interest rate of 2.50% to 4.50% on your savings account balances. Union Bank Savings Account TypesUnion offers a host of savings account schemes for their customers. Here are they:Basic Savings Bank Deposit AccountSavings Bank Account (SBGEN)Union Savings Flexi Deposit AccountSavings Bank Account for Pensioners (SBPEN)Savings Bank Account for Students (SBZER)Basic Saving Bank Deposits Account-Small AccountsUnion Super Salary Account (USSA)Savings Flexi Deposit Scheme (SBNFD)Savings Flexi Deposit Scheme (SBNFP)CAPITAL GAIN SB ACCOUNT (SBCAP)MACT CLAIMS SB ACCOUNT (MACT)SPECIAL SB SCHEMES VARIANT - I (SB Premium) SBPRESPECIAL SB SCHEMES VARIANT - II (SB High Networth Customers) SBHNIUnion Digital Savings Account (UDSA)Union Bank Saving Account Opening OnlineHere are the steps to follow while opening a Union Bank savings account online:Step 1: Download Union Bank’s “Union Selfie & M-Passbook” app on your mobile.Step 2: Take a selfie from the app and scan your Aadhaar and PAN cards.Step 3: Visit the bank with all your documents and your savings account number will be generated instantly.You can also visit the official website of Union Bank of India and follow the steps below to open a savings account online:Step 1: Select "Digital Banking" and click on "Self-Service Banking".Step 2: Choose “Savings Account” from “Online Account Opening”.Step 3: Fill up the application form with all the required information.Step 4: Submit the form.Step 5: Visit the branch with the required documents for KYC verification.Union Bank Savings Account OfflineHere are the steps to follow for Union Bank savings account opening:Step 1: Visit the nearest Union Bank of India branch.Step 2: Carry all your KYC documents for verification.Step 3: Collect the Union Bank savings account application form.Step 4: Fill it up with the required details. Make sure the information on your application form matches your KYC documents.Step 5: Submit the application form and the documents.Step 6: Wait for the verification process. Union Bank Savings Account Interest RatesBalance RangeInterest Rate p.a.Up to ₹ 50 lakh2.50%> ₹ 50 lakh to ₹ 100 crore3.00%> ₹ 100 crore to ₹ 500 crore3.40%> ₹ 500 crore to ₹ 1,000 crore4.25%> ₹ 1,000 crore to ₹2000 crore4.50%Above ₹2000 crore4.75%Union Bank Savings Account Eligibility CriteriaTo open a Union Bank savings account, you must:Be a resident individual, either singly or jointlyProvide valid KYC documents (Aadhaar, PAN, etc.)Be at least 18 years old (minors can open with a guardian)For specialised accounts (e.g., senior citizen or salary accounts), meet specific age or employment criteriaUnion Bank Savings Account ChargesCheck out the basic charges applicable to your Union Bank savings account:Charge TypeDetailsElectronic Clearing Service (ECS)Rs. 4 per transactionCheque Book IssuanceFree up to 40 pages, and  Rs.