Insurance doesn’t have to be a maze of fine print. I simplify policies, bring clarity to the details, and make financial decisions easier—one blog at a time. I enjoy turning numbers and insights into clear, actionable narratives that simplify personal finance. At Clear, I untangle complex insurance concepts so you don’t have to—no jargon, just the facts you need.
Insurance doesn’t have to be a maze of fine print. I simplify policies, bring clarity to the details, and make financial decisions easier—one blog at a time. I enjoy turning numbers and insights into clear, actionable narratives that simplify personal finance. At Clear, I untangle complex insurance concepts so you don’t have to—no jargon, just the facts you need.
The Maharashtra government holidays 2025 list outlines all major holidays, including Mumbai holidays 2025. These include religious, state, and national festivals that provide chances for leisure, cultural activities, and family time. To help you plan, this guide provides a list of all Maharashtra holidays for 2025. Upcoming Holidays:Diwali will be celebrated on Tuesday and Wednesday, 21 and 22 October 2025.Guru Nanak Jayanti will be observed on Wednesday, 5 November 2025.Christmas Day will be celebrated on Thursday, 25 December 2025, marking the final Maharashtra government holiday of 2025.Government Holidays in Maharashtra 2025The following table provides the official list of Maharashtra government holidays 2025, including Mumbai holidays 2025:Date Occasion21 October 2025Diwali22 October 2025Diwali05 November 2025Guru Nanak Jayanti25 December 2025Christmas Day26 January 2025Republic Day19 February 2025Chhatrapati Shivaji Maharaj Jayanti26 February 2025Maha Sivaratri14 March 2025Holi30 March 2025Gudi Padwa31 March 2025Idul Fitr06 April 2025Ram Navami10 April 2025Mahavir Jayanti14 April 2025Dr Ambedkar Jayanti18 April 2025Good Friday01 May 2025Maharashtra Day12 May 2025Buddha Purnima07 June 2025Bakrid / Eid al Adha06 July 2025Muharram15 August 2025Independence Day16 August 2025Parsi New Year27 August 2025Ganesh Chaturthi05 September 2025Eid-e-Milad02 October 2025Vijaya Dashami02 October 2025Mahatma Gandhi JayantiThe Maharashtra government holidays 2025 and Mumbai holidays 2025 calendar includes all key national, regional, and cultural festivals. The Maharashtra holidays 2025 reflect the state’s rich heritage and diverse traditions. Staying updated with this official list ensures smooth planning for citizens, businesses, and government offices throughout the year.Related Articles:Government Holidays Telangana 2025Government Holidays Punjab 2025Government Holidays Karnataka 2025Government Holidays Andhra Pradesh 2025Government Holidays Delhi 2025Government Holidays West Bengal 2025Government Holidays Tamil Nadu 2025Government Holidays UP 2025.
The Bihar labour card is a registration enabled under the Bihar Building & Other Construction Workers Welfare Board (BOCW) that provides social security benefits to workers in the unorganised/construction sector. Eligible workers can apply online, check status, download, and renew the labour card Bihar via the BOCW portal.Key HighlightsThe Bihar labour card enables access to pension, health, maternity, education & housing benefits.Registration requires proof of 90 days of work & Aadhaar verification.You can check status and download the card via the official BOCW Bihar portal.Renewal is required periodically to maintain benefits.What is Bihar Labour Card?Bihar Labour Card (also called Labour Card Bihar) is an official welfare registration document issued by the Bihar Building and Other Construction Workers Welfare Board (BOCW Bihar) under the Building and Other Construction Workers (Regulation of Employment and Conditions of Service) Act, 1996.It serves as proof of registration for construction and unorganised sector workers in Bihar, enabling them to receive a range of state-sponsored welfare benefits. The card links workers to various social security schemes aimed at improving their economic, health, and social well-being.Bihar Labour Card TypesThere are two types of labour cards issued in Bihar:Building CardConstruction workers or those working under a licensed contractor get a building card. This labour card enables an individual to receive all types of benefits.Social CardsThe state government provides social cards to individuals who earn daily wages from non-construction activities such as agriculture and farming. Social cards enable individuals to get health and insurance benefits.Bihar Labour Card List 2025If you have a Bihar labour card, then you can now check for your name in the labour card Bihar list.
The Passport Seva Portal enables applicants to book, cancel, and reschedule passport appointment online with ease. Knowing how to reschedule passport appointment ensures flexibility for applicants who cannot attend on the chosen date.Key HighlightsExceeding Reschedule Limit: You can reschedule passport appointment only twice within one year of the first appointment date for that ARN.PSK Location Change: You can change the date and time when rescheduling. Changing the PSK location requires cancelling and rebooking.Tatkal Scheme: Offers faster passport processing at a higher fee. Rescheduling options are limited.Document Readiness: Bring original proof of identity, address, and date of birth. Where to Book a Passport Appointment?Passport appointments in India can only be booked through the official Passport Seva Portal managed by the Ministry of External Affairs. Applicants must create a login ID, fill out the application form, and schedule an appointment at their nearest Passport Seva Kendra (PSK) or Post Office Passport Seva Kendra (POPSK). This portal is the only authorised platform for scheduling, rescheduling, or cancelling passport appointments.How to Schedule Passport Appointment Online?The process of booking your passport appointment online is simple and can be completed within a few minutes. Here’s how:Step 1: Visit the Passport Seva Portal and log in.Step 2: Choose the PSK where you want to complete your appointment.
A regional passport office is the government centre responsible for supervising passport services and policy implementation across a defined geographic area in India. Commonly abbreviated as RPO, these offices oversee Passport Seva Kendras (PSKs), manage escalations, and authorise final passport printing and dispatch.Key HighlightsWhere to apply: Use the official Passport Seva portal or attend your nearest PSK/POPSK.Process: Complete the online form, pay fees, book an appointment, and attend biometric verification.Steps to fill: Register, upload documents, generate ARN, and track status.Contacts and support: National helpline, RPO contact numbers, and official e-mail channels.What is Meant by Regional Passport Office?A Regional Passport Office (RPO) is a government administrative centre under the Ministry of External Affairs that oversees passport operations within a geographic jurisdiction. It supervises Passport Seva Kendras (PSKs) and Post Office Passport Seva Kendras (POPSKs). An RPO does not usually handle routine front-end appointments itself; instead, it provides oversight and final approval for passports issued in its jurisdiction.The RPO ensures policy compliance, resolves escalated cases (e.g. corrections, objections), and handles grievance redressals at a regional level. Role of RPOs in Passport Issuance in IndiaThey perform the managerial and decision-making tasks that ensure the passport service runs reliably. Their role includes:Approving and authorising the printing and dispatch of passports.Supervising Passport Seva Kendras (PSKs) and Post Office Passport Seva Kendras (POPSKs) to ensure procedures are followed correctly.Coordinating with state police for timely and accurate verification.Addressing grievances, reviewing appeals, and managing special cases such as Tatkaal applications or passport adalats.Functions of Regional Passport OfficesKey functions are practical and administrative:Administration and supervision: Allocate appointments, control PSK performance, and check compliance.Document verification: Check supporting documentation and clarify inconsistencies.Escalation handling: Manage corrections, objections, and complex cases.Public outreach: Run awareness drives, mobile camps, and special sessions when required.List of Regional Passport Offices in IndiaBelow is a regional passport office list by city and state. City/RPOState/UTContact Number(s)EmailAhmedabadGujarat079-26309114rpo.ahmedabad@mea.gov.inAmritsarPunjab0183-2506252 / 56rpo.amritsar@mea.gov.inBengaluruKarnataka080-25706100-102rpo.bangalore@mea.gov.inBareillyUttar Pradesh0581-2311874 / 2302033rpo.bareilly@mea.gov.inBhopalMadhya Pradesh0755-4131260rpo.bhopal@mea.gov.inBhubaneswarOdisha0674-2563855rpo.bbsr@mea.gov.inChandigarhChandigarh172-2606889rpo.chandigarh@mea.gov.inChennaiTamil Nadu044-28518848rpo.chennai@mea.gov.inCochin (Kochi)Kerala0484-2311323rpo.cochin@mea.gov.inCoimbatoreTamil Nadu0422-2210158rpo.cbe@mea.gov.inDehradunUttarakhand0135-2652160rpo.dehradun@mea.gov.inDelhi (New Delhi)Delhi011-26184000 / 26187072 / 26187073rpo.delhi@mea.gov.inGhaziabadUttar Pradesh0120-2700320rpo.ghaziabad@mea.gov.inGuwahatiAssam0361-2300101rpo.guwahati@mea.gov.inHyderabadTelangana040-72215333 / 27715115rpo.hyderabad@mea.gov.inJaipurRajasthan0141-2702515rpo.jaipur@mea.gov.inJalandharPunjab0181-2222344rpo.jalandhar@mea.gov.inJammuJammu & Kashmir0191-2433359rpo.jammu@mea.gov.inKolkataWest Bengal033-4007-1212rpo.kolkata@mea.gov.inKozhikodeKerala0495-2766936rpo.kozhikode@mea.gov.inLucknowUttar Pradesh0522-2307534rpo.lucknow@mea.gov.inMaduraiTamil Nadu0452-2521204rpo.madurai@mea.gov.inMumbaiMaharashtra022-26520034 / 5rpo.mumbai@mea.gov.inNagpurMaharashtra0712-2510643rpo.nagpur@mea.gov.inPanajiGoa0832-2437601rpo.panaji@mea.gov.inPatnaBihar0612-2207378 / 2223267rpo.patna@mea.gov.inPuneMaharashtra020-27209999rpo.pune@mea.gov.inRaipurChhattisgarh0771-2263922rpo.raipur@mea.gov.inRanchiJharkhand0651-2282037rpo.ranchi@mea.gov.inShimlaHimachal Pradesh0177-2650070rpo.shimla@mea.gov.inSrinagarJammu & Kashmir0194-2500371rpo.srinagar@mea.gov.inSuratGujarat0261-2228225rpo.surat@mea.gov.inTiruchirappalli (Trichy)Tamil Nadu0431-2706622rpo.trichy@mea.gov.inThiruvananthapuram (Trivandrum)Kerala0471-2460132rpo.trivandrum@mea.gov.inVisakhapatnam (Vizag)Andhra Pradesh0891-2745747rpo.vizag@mea.gov.inVijayawadaAndhra Pradesh0866-2481965rpo.vijayawada@mea.gov.inAndaman & Nicobar IslandsA & N Islands03192-230356rpo.andaman@mea.gov.inHow to Apply at a Regional Passport Office?Application is largely digital.
Every IMPS transfer generates a unique 12-digit code used for IMPS reference number tracking. This identifier enables an IMPS ref no check whenever there is a delay, dispute, or pending status. Learning how to track IMPS reference number ensures reliable and transparent fund transfers.Key HighlightsIMPS reference number tracking: Done via mobile banking, internet banking, SMS, or ATMs.How to track IMPS reference number: Use the bank portal/app or share with support.Details required: Date, amount, beneficiary, and reference number.Resolution timeline: Failed transfers usually settle within T+2 days.What is IMPS Reference Number?When you make a transfer using IMPS, the system generates a unique 12-digit IMPS reference number. This number serves as a digital footprint of the transaction. It helps the sender and the bank verify whether the money has been successfully credited to the beneficiary’s account.You can use this number for:Transaction verification: Confirming whether the transfer has been completed.Complaint resolution: Banks require the IMPS reference number in case of failed or delayed transfers.Tracking transfers: It allows customers to use services like IMPS reference number tracking for quick updates.It acts as the transaction’s identity, ensuring no transfer goes unrecorded or untraceable.Importance of IMPS Reference NumberThe IMPS reference number serves as a tool for both the customer and the bank to assure a transaction's safety and traceability.Here’s why it matters:Proof of Payment: The number acts as a digital receipt, helping both sender and receiver validate that funds have moved successfully.Dispute Resolution: If money is deducted but not credited, banks use this reference to trace the transaction.Ease of Tracking: With options like IMPS ref no check and track IMPS transaction by reference number, customers can quickly verify the transfer status.Transparency: It brings clarity by linking every transfer to a unique identifier, reducing the chances of error or fraud.This number is crucial for backend settlement and reconciliation for banks and other financial organisations.How to Find an IMPS Reference Number?Locating the IMPS reference number is simple, as banks make it available across different channels.
The maximum transaction limit for IMPS (Immediate Payment Service) is ₹5 lakh per transaction and per day. While the daily limit is generally capped at ₹5 lakh, some banks or payment service providers may have variations within a range of ₹2 lakh to ₹5 lakh. Let’s understand IMPS limit, including the minimum and maximum transfer amounts, as well as other relevant details.What is the IMPS Limit?The IMPS transaction limit is ₹5 lakh per day, with negligible charges, it is one of the most preferred quick and easy methods of financial transaction in India. IMPS are real-time, instant money transfers between bank accounts. It operates 24/7, including weekends and public holidays, making it one of the easiest payment methods.What is the IMPS Daily Limit?The Reserve Bank of India (RBI) has increased the daily transaction limit for IMPS to ₹5 lakh, from the earlier limit of ₹2 lakh.
The Immediate Payment Service (IMPS) is an interbank fund transfer system in India that facilitates real-time money transfers. It operates 24/7, including weekends and holidays. IMPS is recognised for its efficiency and speed, making it a reliable choice for quick and seamless money transfers. Read further to know the IMPS charges levied by various banks in India.IMPS Charges of Different BanksEach bank has different IMPS charges, depending on the transaction amount. Some banks may offer IMPS transactions free of charge up to a specific limit, while others apply a nominal fee. Here is an overview of IMPS charges for prominent banks in India:SBI IMPS ChargesIMPS fund transfer through net banking or mobile banking (including YONO) is free of charge. The following table portrays the charges if IMPS transfer is conducted through the branch:Transaction AmountIMPS ChargesUp to ₹1,000Free₹1,001 to ₹10,000₹2 + GST₹10,001 to ₹1,00,000₹4 + GST₹1,00,001 to ₹2,00,000₹12 + GST₹2,00,001 to ₹5,00,000₹20 + GSTHDFC Bank IMPS ChargesThe following table highlights the IMPS charges of HDFC Bank: Transaction AmountIMPS ChargesUp to ₹1,000₹2.50 + GST₹1,001 to ₹1,00,000₹5 + GST₹1,00,001 and more₹15 + GSTICICI Bank IMPS ChargesIMPS fund transfer through ICICI net banking or mobile banking is free.
Customers can initiate IDBI Bank RTGS transfer either online via net banking and mobile banking, or offline by filling out the IDBI RTGS form at a branch. For convenience, an IDBI Bank RTGS form PDF can also be downloaded from the official website, completed, and submitted at the branch for processing.Key HighlightsThe form captures all essential details like beneficiary name, account number, IFSC code, and transfer amount.Inward RTGS transactions at IDBI Bank are free, while outward branch transactions attract charges between Rs. 25 and Rs. 55 depending on the amount.RTGS services through IDBI Bank are available during working hours at branches and 24×7 via online channels like net banking and mobile banking.What is the IDBI RTGS Form?The IDBI RTGS form is a printed application provided by IDBI Bank for customers who wish to initiate offline RTGS transactions at a branch. The form includes:Remitter details such as account number, name, and branch.Beneficiary details including name, account number, bank, branch, and IFSC code.Transfer amount written in both figures and words.Mode of payment options such as cash, cheque, or debit.A declaration and signature field to authorize the transfer.An acknowledgement slip returned to the customer after submission.How to Download IDBI RTGS Form?Follow the given steps to download the IDBI RTGS form in PDF form: Visit the official IDBI Bank website. Sign in to your account using your credentials. Navigate to the forms and download section and search for the RTGS form. Open the PDF form and print it. You can also get a copy of the same form by going to your nearest IDBI Bank branch. IDBI RTGS Form PDF DownloadYou can download the IDBI RTGS form PDF online on the bank’s official website and submit it with a cheque to the bank's teller or customer service desk. How to Fill the IDBI Bank RTGS Form? The IDBI Bank's RTGS form has two sections- one is the application for RTGS transfer, while the other is an acknowledgement slip.
The IndusInd Bank RTGS form is required for initiating offline high-value transfers via Real-Time Gross Settlement (RTGS). Customers can download the IndusInd Bank RTGS form PDF from the official website or collect it at a branch. The form captures all essential details like remitter and beneficiary information, amount, IFSC code, and authorization signature to process instant fund transfers of Rs. 2 lakh and above.Key HighlightsRTGS ensures instant and secure settlement of funds between banks, available 24×7, 365 days.No charges for inward RTGS. Outward RTGS transaction charges may apply depending on branch processing.Online RTGS via IndusNet or IndusMobile app is available without needing a physical form.What is the IndusInd RTGS Form?RTGS is used for high-value, time-critical payments where funds are settled instantly.
Indian Bank enables secure high-value transfers through its Real-Time Gross Settlement (RTGS) service. For offline transactions, customers must fill out the Indian Bank RTGS form available at branches or through an Indian Bank RTGS form PDF download from the official website. This form captures all details required for fast and accurate fund transfers.Key HighlightsOnline RTGS via Indian Bank net banking and IndOASIS mobile app is free of cost.Offline RTGS transactions incur charges of Rs. 25 (Rs. 2–5 lakh) and Rs.