An SBI home loan statement is a detailed record of a borrower’s loan account containing EMIs paid, pending dues, interest details, and repayment schedule. This statement is vital for tax deduction claims, loan tracking, prepayment planning, and refinancing.Key Highlights:SBI home loan statement download as a PDF can be done instantly via SBI Net BankingIt is accepted as proof for tax deductions under Sections 80C and 24(b)Only the applicant or co-applicant can request a physical copyWhat is SBI Home Loan Statement?An SBI home loan statement provides all the information related to a home loan. It will help you check your home loan repayment status. The SBI home loan statement can be downloaded anytime by logging into SBI net banking account or by visiting the bank. This certificate is helpful for income tax purposes. An SBI home loan statement will contain the following details:Repaid loan amountTotal loan amount, interest rate and tenureOutstanding loan, term and interestPaid and outstanding EMIsDate of start of the loan and end date of loanHow to Download SBI Bank Housing Loan Statement Online?SBI home loan customers can follow these steps for SBI home loan statement download:Step 1: Sign in to the SBI Net Banking portal using your user ID and password.Step 2: Click on ‘e-Services’, select ‘My Certificates’. Step 3: Click the ‘Home Loan Int.

A domicile certificate Maharashtra is an official proof of residence issued by the state government to permanent residents. It is required for applying to government jobs, state quota admissions, scholarships, and welfare schemes. Citizens can apply for a domicile certificate Maharashtra online via the Aaple Sarkar portal or offline at Tehsildar, Sub-Divisional, or Collector’s offices.Key Highlights:Eligibility: Resident of Maharashtra for 15+ years, or married to a residentDocuments Needed: Aadhaar, Passport, Voter ID, Birth Certificate, Ration Card, etc.Application Fee: ₹50 (online/offline)Processing Time: Around 15 working daysValidity: Lifetime (unless cancelled)What is the Domicile Certificate in Maharashtra?Domicile certificate Maharashtra is a proof of residence for the people living in Maharashtra. It is used to avail jobs or admissions in Maharashtra domicile or resident quotas in government services and educational institutions. It is generally issued by the designated authorities of the state, such as the Tehsildar, Sub-Divisional officer or additional collector. Domicile Certificate Eligibility in MaharashtraApplicants must meet at least one of the eligibility conditions listed below to apply for a domicile certificate Maharashtra:Resident of Maharashtra for minimum 15 yearsParents are permanent residents of Maharashtra for over 6 yearsWomen married to men who are permanent residents of MaharashtraDocuments Required for Domicile Certificate in MaharashtraApplicants must submit supporting documents to establish identity, address, and residency. The commonly required documents are listed below:I.

HDFC Bank offers a simple process to activate international usage on the debit card, ensuring smooth transactions while travelling. HDFC Bank keeps international debit card transactions turned off by default to help protect customers from fraud; they can be enabled instantly via NetBanking, mobile applications, or phone support.Key Highlights:International transactions are disabled by default: HDFC Bank keeps international debit card usage turned off to help protect customers from fraud and meet security requirements.Instant Activation Channels: Can be enabled or modified at any time using HDFC NetBanking.Alternative Support Methods: Cardholders who prefer non-digital activation can contact the bank's domestic toll-free support lines or visit any local HDFC Bank branch for offline assistance.How to activate Global Usage on an HDFC Debit Card?The following shows multiple ways to enable international transactions on an HDFC Debit Card​:1. Net BankingFollow the steps below to activate international transactions on an HDFC debit card:Step 1: Log in to HDFC Bank net banking account.Step 2: Go to the ‘Cards’ tab at the top of the page and select ‘Request’.Step 3: Click on the ‘Set Card Usage/Limits’.Step 4: The Online, Contactless, and International transactions will be turned off by default, where the current domestic and international transaction limits will be shown.Step 5: Click ‘Continue’.Step 6: Review the details and click on ‘Confirm’.Step 7: Enter the OTP sent to the registered mobile number and click ‘Continue’.2. Mobile BankingTo enable international transactions on HDFC debit cards through mobile banking, follow the steps mentioned below: Step 1: Open the HDFC mobile application on the mobile phone and log in.Step 2: Click on the ‘Menu’ option in the application's top right corner.Step 3: Select the ‘Pay’ option from the menu bar.Step 4: Select the specific active Debit Card the user wish to configure from the display panel.Step 5: Tap on ‘Manage Cards’ and select ‘Manage Limits’.Step 6: Under the ‘International Transactions’ tab, switch the master toggle button to 'ON'.Step 7: Set the maximum daily expenditure ceilings for ATM withdrawals, Online usage, Merchant outlets, and Contactless payments, then tap 'Confirm'.Step 8: Authorise the update by entering the 4-digit MPIN or by using biometric authentication.3. Customer CareSimply dial 1800 1600 or 1800 2600 to reach their support team and activate international usage on their debit card. If already travelling abroad, call their dedicated international helpline at +91 22-61606160.4.

The West Bengal (WB) Government launched the Annapurna Yojana, also known as Annapurna Bhandar Scheme, on 3 June 2026. Under this scheme, eligible women will receive ₹3,000 per month through Direct Bank Transfer (DBT). This scheme aims to empower women and enhance financial stability for families across the state.In the first phase of this scheme, beneficiaries will start receiving ₹3,000 rupees directly into their bank accounts from 3 June 2026. It is estimated that around two crore women will benefit from this scheme. Initially, the amount will be deposited into the accounts of more than 28 lakh beneficiaries.

The NHAI has launched the FASTag annual pass on 15th August 2025 which is 79th Independence day. FASTag annual pass recharge is not like regular FASTag recharge. It is a one-time purchase of ₹3,075 valid for 1 year or 200 trips. After expiry, you need to buy a new pass instead of recharging.Key Highlights:FASTag Annual Pass Recharge: Repurchased in Rajmarg Yatra App or NHAI website.FASTag Annual Pass Price: FASTag annual price was hiked from ₹3,000 to ₹3,075 from 1 April 2026.FASTag Annual Pass Activation: Once FASTag anuual pass is purchased, it is activated within 2 hours.What is FASTag Annual Pass?The FASTag annual pass is a prepaid tolling plan introduced by the National Highway Authority of India (NHAI) and the Indian Highways Management Company Limited (IHMCL) exclusively for non-commercial private vehicles. The annual pass is priced at ₹3,075 including GST, convenience and all other charges. It offers 200 toll-free trips with a validity of one year of travel on designated National Highways (NH) and National Expressways operated by the NHAI. At ₹3,075 for 200 trips, the cost per trip comes down to just ₹15.37, making it highly economical for frequent travellers.How to Recharge FASTag Annual Pass?The FASTag annual pass is a one-time purchase and cannot be recharged during validity.

SBI FD interest rates 2026 define the returns offered by the State Bank of India (SBI) on fixed deposits, catering to both short-term and long-term investments for general public as well as senior citizens. SBI Bank FD interest rates vary based on tenure, deposit amount, and the depositor, providing flexible options for every type of investor.Highlights of SBI FD Interest Rates 2026SBI FD interest rates are the annual returns offered by the State Bank of India on fixed deposits, ranging from short-term (7 days) to long-term (10 years), with preferential rates for senior citizens and special deposit schemes.FeatureDetailsTenure7 days to 10 yearsInterest Rate (General)3.05% – 6.45% p.a.Interest Rate (Senior Citizens)3.55% – 6.95% p.a.Highest Interest Rate (General)6.45% p.a. (Amrit Vrishti – 444 Days)Highest Interest Rate (Senior Citizens)6.95% p.a. (Amrit Vrishti – 444 Days)Special SchemeAmrit Vrishti (444 Days): 6.45% (General), 6.95% (Senior), 7.05% (Super Senior)Premature Withdrawal Penalty0.50% for FDs up to ₹5 lakh, 1% for above ₹5 lakhMinimum Deposit Amount₹1,000Maximum Deposit AmountNo upper limitLoan Against FDUp to 90% of deposit valueWhat are SBI FD Interest Rates 2026?The State Bank of India (SBI) offers a range of Fixed Deposit (FD) schemes with competitive interest rates, ensuring secure and flexible investment options for both residents and Non-Resident Indians (NRIs).SBI FD Interest Rates 2026 for Residents (Effective From 15 December 2025)TenureGeneral Public (% p.a.)*Senior Citizens (% p.a.)*7 days to 45 days3.05%3.55%46 days to 179 days4.90%5.40%180 days to 210 days5.65%6.15%211 days to less than 1 year5.90%6.40%1 year to less than 2 years6.25%6.75%2 years to less than 3 years6.40%6.90%3 years to less than 5 years6.30%6.80%5 years and up to 10 years6.05%7.05% (including We-Care premium)444 days (Amrit Vrishti)6.45%6.95%SBI NRE FD Interest Rates 2026 for NRIs (Effective From 15 December 2025):TenureInterest Rate (p.a.)1 year to less than 2 years6.25%444 Days (Amrit Vrishti)6.45%2 years to less than 3 years6.40%3 years to less than 5 years6.30%5 years to 10 years6.05%SBI NRO FD Interest Rates 2026 for NRIs (Effective From 15 December 2025):TenureInterest Rate (p.a.)7 days to 14 days3.05%15 days to 45 days3.05%46 days to 179 days4.90%180 days to 210 days5.65%211 days to less than 1 year5.90%1 year to less than 2 years6.25%444 Days (Amrit Vrishti)6.45%2 years to less than 3 years6.40%3 years to less than 5 years6.30%5 years to 10 years6.05%SBI FD Interest Rates 2026 for Domestic Bulk Term Deposits (Above ₹3 Crore)Below are the indicative SBI FD interest rates for domestic bulk term deposits above ₹3 crore (Effective From 15 December 2025):TenureInterest Rate (% p.a.) – PublicInterest Rate (% p.a.) – Senior Citizens7 days to 14 days4.50%5.00%15 days to 45 days5.00%5.50%46 days to 179 days5.10%5.60%180 days to 210 days5.60%6.10%211 days to less than 1 year5.60%6.10%1 year to less than 2 years6.25%6.75%2 years to less than 3 years6.15%6.65%3 years to less than 5 years6.00%6.50%5 years and up to 10 years6.00%6.50%What are the Term-Wise SBI FD Interest Rates?Deposit TenureGeneral CustomersSenior CitizensShort-Term Deposits* (7 days to less than 1 year)3.05% – 5.90%3.55% – 6.40%Medium-Term Deposits* (1 year to less than 5 years)6.25% – 6.30%6.75% – 6.80%Long-Term Deposits* (5 years to 10 years)6.05%7.05%*Interest rates are effective from 15 December 2025Special SBI FD Scheme - Amrit Vrishti (444 Days)The SBI Amrit Vrishti Fixed Deposit Scheme is a limited-period special SBI FD plan introduced to offer higher returns for fixed depositors. This scheme is available for a specific tenure of 444 days and is ideal for those seeking short-term investment with better interest earnings.Scheme Tenure: 444 daysInterest Rate for General Public: 6.45% p.a.Interest Rate for Senior Citizens: 6.95% p.a.Interest Rate for Super Senior Citizens: 7.05% p.a.Minimum Deposit: ₹1,000Premature Withdrawal: Allowed with penaltyEffective Date: Interest rates effective from 15 December 2025Scheme Launch: Active from 15 July 2024SBI Tax Saving FD SchemeState Bank of India offers a tax saving deposit, i.e.

Latest update: The Chief Minister of Karnataka has announced that the Gruha Lakshmi Scheme beneficiaries need to reapply for the scheme. The Karnataka Government has clarified that the scheme will not be discontinued. Re-application is necessary to verify the genuine beneficiaries as many deceased or income tax payees are receiving the scheme benefits. A one-time biometric authentication of beneficiaries will be launched across 17,000 kiosks for verification.The Karnataka Government has launched the Gruha Lakshmi Scheme, which ensures gender equality and empowers women of Karnataka state. Under this scheme, the Karnataka State Government will give financial support to the head women of the house. Gruha Lakshmi Scheme KarnatakaThe Gruha Lakshmi Scheme Karnataka, announced by the Karnataka Government, provides monthly financial assistance of ₹2,000 to the head women of a house.

A SWIFT code (also known as a Bank Identifier Code or BIC) is an international standard used to identify banks during cross-border transactions. The SWIFT code for HDFC Bank is a unique international banking identifier used to send or receive money securely across countries whether it's for personal remittances, business transactions, foreign education, or international investments. Key Highlights:SWIFT Code for HDFC Bank: HDFCINBBXXX (Primary and most commonly used SWIFT code of HDFC Bank)Format of SWIFT Code of HDFC Bank: 8-11 alphanumeric characters identifying the bank, country, city, and branch. How to Find HDFC Bank SWIFT Code: By checking your bank statement, visiting your branch or contacting HDFC customer care.What is the SWIFT Code of HDFC Bank?The HDFC Bank SWIFT code is a unique identifier formatted as HDFCINBBXXX and is used for international money transfers between banks. The HDFC Bank SWIFT code ‘HDFCINBBXXX’ is the bank’s main office SWIFT code used for international payments in India and when a branch-specific code is not available or required. SWIFT code for HDFC Bank acts like a passport for your funds, ensuring that money reaches the correct destination securely and quickly. This code is essential for sending and receiving money internationally, ensuring smooth transactions between different financial institutions.You can use the SWIFT code of HDFC Bank to receive money from overseas or send money from another bank abroad, guaranteeing that your funds reach the right account. Additionally, HDFC Bank uses this code to exchange messages between branches globally.List of HDFC Bank SWIFT Codes in IndiaThe following list highlights the SWIFT code of HDFC Bank for the top cities in India:SWIFT CodeCityCountryHDFCINBBBNGBangalore IndiaHDFCINBBAHMAhmedabadIndiaHDFCINBBCALKolkataIndiaHDFCINBBGMTMumbaiIndiaHDFCINBBTRSMumbaiIndiaHDFCINBBCUSMumbaiIndiaHDSEINBBXXXMumbaiIndiaHDFCINBBDELNew DelhiIndiaHDFCINBBPNEPuneIndiaHDFCINBBHYDHyderabadIndiaHDFCINBBCOCKochiIndiaHDFCINBBCHEChennaiIndiaImportance of SWIFT Code for HDFC BankThe following highlights the importance of the HDFC Bank SWIFT code:A SWIFT code enables you to transfer money or information quickly from one commercial bank to another irrespective of their location, ensuring swift communication. Unlike other networks, SWIFT secures transmissions using encryption and decryption technology, safeguarding data during transit. SWIFT codes uniquely identify financial institutions, enhancing network efficiency.

The PAN card active status indicates if your Permanent Account Number (PAN) is operative or inoperative. To verify whether your PAN is valid for financial transactions, you must check PAN card status active or not from the Income Tax e-filing portal. Key Highlights:PAN card active status online: From the Income Tax e-filing portal using your PAN number and registered mobile number. PAN card inoperative status: If your PAN card is inactive, link your PAN with Aadhaar for it to be operative.PAN card active status check fees: You can check the PAN card active status for free.Prerequisites to Check PAN Card Status Active or NotIndividuals will require the following to check if their PAN card is active or not:PAN numberValid mobile number linked to the PAN for OTP verificationHow to Check PAN Card Status Active or Not?Below are the steps to check your PAN card active status:Step 1: Go to the ‘Verify PAN Status’ page on the Income Tax e-filing website.Step 2: Enter your PAN number, name, date of birth and mobile number and click the ‘Continue’ button.Step 3: Next, enter the OTP sent to your mobile number and click the ‘Validate’ button.Step 4: Your PAN card active status will be displayed.Reasons for PAN Card DeactivationYour PAN card may be marked as inoperative or deactivated by the Income Tax Department for the following reasons:Non-Linking of PAN with Aadhaar: It is mandatory to link PAN with Aadhaar as per the CBDT notification. Failure to do so will result in the PAN being inactive or inoperative.Possession of Multiple PAN Cards: Holding more than one PAN card is prohibited under the Income Tax Act. If there are multiple PANs against a single individual, the duplicate or improperly issued PAN(s) will be deactivated.Issuance Based on False or Duplicate Identity: PAN cards issued using forged documents, invalid personal details, or created for non-existent persons (fake identities) will be classified as invalid and subsequently deactivated.Mismatch of Personal Information: If there are discrepancies between PAN and Aadhaar details, the PAN may be flagged during Aadhaar validation and marked inoperative.What Happens if PAN Card is Inoperative?If your PAN card is inoperative, you cannot execute the following financial transactions:Opening an account (except a time deposit and a basic savings bank deposit account) with a banking company or a cooperative bankApplying for the issuance of a credit cardOpening a demat account with a participant, depository or custodian of securitiesPayment in cash exceeding ₹50,000 for the following purposes:to a mutual fund for the purchase of its unitsto a company or an institution for acquiring bonds or debentures issued by themto the Reserve Bank of India (RBI) for acquiring bonds  Payment in cash exceeding ₹1,00,000 to a hotel, restaurant, convention centre, banquet hall, or any person engaged in event management Deposits or withdraw cash aggregating to ₹10,00,000 in a financial year with a banking company, co-operative bank or ost officeOpening a time deposit exceeding ₹50,000 or aggregating to more than ₹5,00,000 during a financial year with a bank company, post office, a co-operative bank, NBFC or a Nidhi registered under the Companies Act, 2013Open an account with an insurer when the insurance premium exceeds ₹50,000 in a financial yearThe sale or purchase of securities (other than shares) exceeding ₹1,00,000 per transactionThe sale or purchase of shares of a company not listed in any recognised stock exchange exceeding ₹1,00,000 per transactionPurchase or sale of a motor vehicle or or motorcycles, except tractors, for an amount exceeding ₹5,00,000Purchase, sale or gift immovable property exceeding ₹20,00,000Purchase or sale of goods or services for an amount exceeding ₹2,00,000 per transactionAn inoperative PAN will also affect TDS and other taxation aspects, which are as follows:You cannot file Income Tax Return (ITR) or claim tax refundsTax Deducted at Source (TDS) will be charged at a higher rate of 20% instead of the standard 10%Tax Collected at Source (TCS) will be charged up to 5%TCS/TDS credit will not appear in Form 26AS, and TCS/TDS certificates will not be availableYou cannot submit 15G/15H declarations for nil TDSWhat to do When PAN Card is Deactivated?If your PAN card is deactivated by the Income Tax Department due to some reason other than non-linking your PAN with your Aadhaar card, you need to draft a letter requesting to activate your PAN card and send it to your jurisdictional Assessing Officer (AO) in the Income Tax Department. Remember to send the following documents along with the letter:Copy of the PAN used to file your Income Tax Returns Indemnity Bond in favour of the Income Tax Department Copy of Income Tax Returns filed in the previous three years from the deactivated PAN numberOnce the AO receives your request letter and the AO is satisfied with the genuineness of your letter, the department will activate your PAN card in 15-30 days.How to Link PAN-Aadhaar to Activate PAN Card? If your PAN is inoperative due to non-linking of PAN and Aadhaar, you can make it operative again by applying to link PAN-Aadhaar after paying the penalty of ₹1,000.

Linking PAN with Aadhaar is mandatory under the Income Tax Act. If your PAN is not linked, it becomes inoperative, restricting financial transactions and tax compliance. However, you can still activate it by completing the PAN-Aadhaar linking process by paying a PAN-Aadhaar link penalty.Key HighlightsLast date to link PAN-Aadhaar: 31 December 2025 for individuals who have obtained PAN with Aadhaar enrolment ID. Penalty for linking PAN-Aadhaar after deadline: ₹1,000.Exemption for PAN-Aadhaar link: NRIs, 80+ citizens, residents of certain states.What is the Last Date for PAN-Aadhaar Linking?The government has revised PAN-Aadhaar linking deadlines for a specific category of PAN holders:Deadline extended to 31 December 2025 for individuals whose PAN was issued based on Aadhaar Enrolment ID before 1 October 2024.For all other individuals, the last date was 31 May 2024. Failure to link by then renders PAN inoperative.What is the PAN-Aadhaar Link Penalty?The taxpayers who have not linked their PAN-Aadhaar within the last date of 31 May 2024 or 31 December 2025, can do so by paying a late penalty of ₹1,000. They must pay the PAN-Aadhaar link penalty before filing for the PAN-Aadhaar link on the Income Tax website. What is the Importance of Linking PAN With Aadhaar Card?PAN-Aadhaar linking is important because of the following reasons:The PAN card of a person will become inoperative when it is not linked to an Aadhaar card.PAN-Aadhaar linking is required when filing the Income Tax Return (ITR). The IT department may reject the ITR when PAN and Aadhaar are not linked.PAN and Aadhaar cards are required to obtain government services, such as applying for a passport, obtaining subsidies and opening a bank account. When the PAN-Aadhaar is not linked, obtaining a new PAN card may be difficult if the old one is damaged or lost, as it is mandatory to provide the Aadhaar number when applying for a new PAN card.What Happens if PAN is Not Linked with Aadhaar Card?When the PAN-Aadhaar cards are not linked within the last date, PAN becomes inoperative, as a result of which:Taxpayers cannot file ITR or claim refunds with inoperative PAN cards.Tax Deducted at Source (TDS) will be charged at a higher rate of 20% instead of the standard 10%.Tax Collected at Source (TCS) will be charged up to 5% under Section 206CC.The TCS/TDS credit will not appear in Form 26AS, and TCS/TDS certificates will not be available.Taxpayers will be unable to submit 15G/15H declarations for nil TDS. The following transactions cannot be done since the PAN card will be inoperative:Open a bank account, except for a Basic Savings Bank Deposit Account (BSBDA).Apply for the issuance of credit cards.Open an account with a depository, participant, custodian of securities or any other person registered under the SEBI (Securities and Exchange Board of India) Act, 1992.Purchase of bonds exceeding ₹50,000 issued by the Reserve Bank of India (RBI).Payment for the purchase of mutual fund units exceeding ₹50,000.Contract for the sale or purchase of securities (other than shares) of an amount exceeding ₹1,00,000 per transaction.Cash deposits or withdrawals with a bank, co-operative bank or post office aggregating to ₹10,00,000 in a financial year.Sell or purchase motor vehicles or motorcycles, except tractors, for an amount exceeding ₹5,00,000. Sale or purchase of shares of a company not listed on any recognised stock exchange of an amount exceeding ₹1,00,000 per transaction.Payment of ₹50,000 or more to a company or an institution for acquiring its debentures or bonds.Purchase, sale, gift or enter into a joint development agreement for any immovable property exceeding ₹20,00,000.A time deposit with banks, Nidhi, post office or Non-Banking Financial Corporations (NBFCs) exceeding ₹50,000 or aggregating to more than ₹5,00,000 during a financial year.Commence an account-based relationship with an insurer when the insurance premium exceeds ₹50,000 during a financial year.One-time payment in cash of ₹1,00,000 or more to a hotel, restaurant, convention centre, banquet hall, or any person engaged in event management against a bill.Sale or purchase of goods or services by any person of more than ₹2,00,000 per transaction.However, the PAN can be made operative again within 7-30 days after payment of the PAN-Aadhaar link penalty of ₹1,000 and applying for PAN-Aadhaar linking.What to do if Your PAN-Aadhaar is Not Linked Yet?For PAN cardholders who have not yet linked their PAN with Aadhaar number, PAN status will be shown as ‘Active but inoperative’. You can still link them by paying a fine of ₹1,000.Your PAN status will be ‘Active and operative’ within 7-30 days. You will have all your TDS credits showing in your Form 26AS and you can rightly claim them while filing taxes. How to Activate Inoperative PAN Card and Link With Aadhaar Card?You can re-activate your PAN card by first paying the PAN-Aadhaar link penalty and then applying to link PAN with Aadhaar card.Follow the below steps to pay the penalty for re-activating an inoperative PAN card:Step 1: Visit the Income Tax e-Filing Portal.Step 2: Select ‘Income Tax Act, 2025’ and click ‘Continue’. Step 3: Enter the ‘PAN’ number and ‘Confirm PAN/TAN’, enter mobile number and click ‘Continue’.Step 4: Enter the OTP and click ‘Continue’.