Income Tax Department offers the Instant e‑PAN service through which you can complete Aadhaar-based e‑KYC and download your e-PAN within 10 minutes. The instant PAN through Aadhaar does not require any paperwork and is free of cost. This article provides details about who is eligible for e-PAN card, how to apply for e-PAN card and instant PAN through Aadhaar status check.Instant PAN Allotment Through Aadhaar CardThe new provision by the Income Tax Department facilitates the allotment of instant PAN to individuals who already possess a valid Aadhaar card. The applicants will not be required to submit a detailed application form as in normal cases. The instant PAN Card will be issued in PDF format with no additional charges.The PDF contains a QR code that includes the demographic details, such as the applicant’s name, date of birth, and photographs. You can use the 15-digit acknowledgement number to download the e-PAN from the income tax e-filing portal.

The senior citizen card is an official identity document issued by Indian state governments to individuals aged 60 years and above. It enables access to exclusive benefits such as travel fare concessions, healthcare support, and priority services. Citizens can complete the senior citizen card online application process through their respective state portals or apply offline via local authorities.This guide explains how to apply for senior citizen card, eligibility criteria, required documents, and key advantages for senior citizens in India. Senior Citizen Card OverviewParticularsDetailsName of DocumentSenior Citizen CardIssued ByState Government Authorities in IndiaEligibilityIndian residents aged 60 years and aboveApplication ModesOnline via state portal / Offline via local authoritiesOnline Apply PortalNational Government Services Portal or respective state portalsDocuments RequiredProof of identity, address, age, and state residencyFeeRs.10 (may vary by state)Major BenefitsTax benefits, healthcare concessions, travel discounts, priority servicesValid AcrossAll Indian states and union territoriesProcessing TimeVaries by state; generally 7–15 working daysWhat is Senior Citizen Card? In India, the State Government authorities issue a crucial identification document to individuals upon turning 60 years old. Senior citizen card, serves as an alternative to Aadhaar Card for such individuals. To avail this card, one has to visit either the official website or the ‘Sewa Kendra’ of the state they belong to and submit an application form along with a deposit of Rs.10. Senior Citizen Card Eligibility CriteriaTo avail the senior citizen card benefits, an individual must meet the following eligibility criteria. The applicant must be at least 60 years old. He/she must possess a valid identity card. The individual has to submit official documents confirming state permanent residency. Documents Required for Senior Citizen CardHere is a list of documents that an individual has to submit at the time of applying for a senior citizen card. Proof of Identity (Aadhaar Card, Voter ID Card, Driving License, Ration Card, Pension Card, Government-issued Identity Card, Bank Certificate) Address Proof (Passport, Utility Bills, Rental Agreement, Registered Sale Deed, Bank Passbook) Proof of Age (Birth Certificate, School Leaving Certificate, PAN Card) Benefits of Senior Citizen CardGiven below are some of the benefits of possessing a senior citizen card: Upon holding a senior citizen card, you can avail preferential interest rates at the time of opening a fixed or recurring deposit with a bank or any other financial institution. By submitting the senior citizen card, an individual above 60 years of age can avail income tax exemption limit of up to Rs. 3 lakh in a financial year. You can enjoy travel discounts while booking a ticket with a state government-owned bus transport services company or air travel company. You can avail discounted medical benefits at private hospitals and free medical treatment at state-owned hospitals by showing a senior citizen card. A senior citizen card enables individuals above 60 years of age to request priority hearing dates at the Indian High Court. Priority installation and minimal registration charges are provided to senior citizens at the time of applying for MTNL and BSNL connections. A nominal fee, relatively lower than regular charges, is applicable upon availing services from old age centres. The card is considered valid everywhere, across the country. Senior Citizen Card Application FormThere are few steps you can follow to download the application form to apply for a senior citizen card.

A voter ID is an important document for every Indian citizen since it is essential to cast a vote in the election and also serves as proof of identity. The Voter ID card, also known as an Election Photo Identity Card (EPIC), has a unique 10-digit EPIC number assigned by the Election Commission to help you cast your vote.This article explains what an EPIC number is in a Voter ID and how to find your EPIC number.What is an EPIC Number on a Voter ID Card?The Election Commission of India provides every registered voter in India with a unique identification number. You can find this number on your voter card. This unique number is a Voter ID or EPIC number. The EPIC number in voter ID is a 10-digit alpha-numeric code. You will find the EPIC number or Voter ID card number on the front side of your voter card.

ICICI Bank gold loan interest rates are quite competitive in the market, it starts from 9.15% p.a for a loan amount of ranging from Rs.50,000 to Rs.2 crore. So keep reading to know all the details, such as eligibility, application procedure, documents required, and much more related to the ICICI Gold Loan.  Highlights for ICICI Bank Gold Loan Interest RatesFeatureDetailsInterest Rate9.15% – 16.75% p.a.Loan Amount₹50,000 to ₹2 croreLoan Tenure6 to 12 monthsGold Rate/Gram₹1,755 – ₹2,145 (approx.)Processing FeeUp to 2% of loan amountForeclosure Fee0% to 2%Customer Care1800 1080ICICI Bank Gold Loan Interest Rate 2025ICICI Bank offers a competitive interest rate on gold loans, and you must keep in mind that the interest rate can directly affect your gold loan repayment. The interest rate on your gold loan mainly depends on two factors - the amount of the loan and the tenure for which the loan was taken. ICICI Bank's gold loan interest rate in 2025 ranges from a minimum of 9.15% to a maximum of 16.75% p.a.ICICI Bank Gold Loan Rate per GramThe gold loan amount offered by ICICI Bank per gram fluctuates from day to day as the rate of gold fluctuates on a daily basis depending on the purity of the gold. The amount of gold loan per gram typically ranges from Rs. 1,755 to Rs.

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.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 lakh2.75%₹ 50 lakh – < ₹ 100 crore2.90%₹ 100 crore – < ₹ 500 crore3.10%₹ 500 crore – < ₹ 1,000 crore3.40%₹ 1,000 crore and above4.00%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.

In today’s fast-paced world, managing your finances needs to be effortless and right at your fingertips. Punjab National Bank’s mobile banking platform empowers you to take full control of your money anytime and anywhere. This article will give you through everything you need to know about PNB Mobile Banking, including registration, login, fund transfers, and security features, helping you unlock seamless and secure banking on the go.PNB Mobile Banking LoginThese are the instructions on how to log in to PNB mobile banking: Step 1: Download the PNB Digital App from the Play Store or App Store.Step 2: Register by entering all required information along with your customer ID to set up your MPIN.Step 3: Log in using the numeric MPIN you created.PNB Mobile Banking RegistrationYou must provide your mobile number before registering for the Punjab National Bank mobile banking app. If you still need to register your number, you must update your mobile number through the PNB branch first. When your number has been registered, you should follow the following process for PNB mobile banking Registration:Step 1: Open your smartphone and install the PNB ONE app. Step 2: Click on the ‘New User’ option. Step 3: Enter your account number and choose the registration option (mobile banking and internet banking) from the options in the menu bar.Step 4: Enter the OTP that you will receive on your registered mobile number. Step 5: Select any registration option given: “Register using a Debit Card” or “Register without a Debit Card”. Step 6: To register using the card, enter the card number and PIN.Step 7: For no debit card registration, follow the on-screen instructions and put your savings account details and security-asked questions.Step 8: Generate a strong password and TPIN. Step 9: The next step is to press on the “Sign in” option.Step 10: Generate a strong MPIN and put your user ID. Now, you can log in to PNB ONE using those login details.How to Activate Mobile Banking in PNB?In general, to activate mobile banking on Punjab National Bank, you can use the following steps: Mobile Banking AppStep 1: Download the PNB ONE application from the Play Store or App Store.Step 2: Open the app and click on the ‘New User’ option.Step 3: Enter your account number and select your registration type (Mobile Banking or Both).Step 4: Enter the OTP sent to your registered mobile number.Step 5: Enter your debit card number and PIN when prompted.Step 6: Set your login and transaction passwords.Step 7: Once registration is successful, you will receive a User ID.Step 8: Log in using the User ID, create your MPIN, and start using PNB ONE.For PNB Digital AppStep 1: Download the PNB Digital App from the App Store or Google Play.Step 2: On the Welcome screen, click on ‘Sign Up’ and accept the Terms and Conditions.Step 3: Choose ATM Card Number as your sign-up option and enter your account details.Step 4: Enter the Online Activation Code (OAC) sent to your registered email ID.Step 5: Enter the 6-digit OTP received on your registered mobile number.Step 6: Create a User ID and password for your PNB Digital Account.PNB Mobile Banking AppsPNB ONE: A comprehensive mobile banking app offering various services, including fund transfers, account statements, term deposits, and card management.

Generally, Indian investors look for such opportunities to invest where they are not only looking at the returns it can give but also take benefit from tax saving. One such avenue is the investment in the popular 54EC bonds over the years, which forms a part of capital gain bonds. Simply put, this bond is an effective instrument for saving taxes over long-term capital gains. The current blog post deals with the rate of interest, benefits, and other features associated with 54 EC bonds and their place in the financial landscape of India.What are 54EC Bonds?54EC bonds are specific types of bonds issued by government-approved entities like the Power Finance Corporation Limited (PFC), Indian Railways Finance Corporation Limited (IRFC), and the Rural Electrification Corporation (REC). These bonds are named after Section 54EC of the Income Tax Act, 1961, it allows investors to save tax on long term capital gains, which comes  from the sale and transfer of immovable assets like land and building, by investing the gains in these bonds.Key Features of 54EC BondsTax exemption on capital gains: The most significant pull factor of 54EC bonds is the tax exemption available for long-term capital gains.

ICICI Bank offers customers the convenience of managing their accounts, transferring funds, paying bills, and handling other banking tasks directly from their smartphones through its range of mobile banking services. The bank provides various apps tailored to different needs, including:iMobile PayPocketsMera iMobileEazypayUsers can register or log in to the app that best suits their requirements through multiple available options. This article offers a comprehensive guide to the registration process, complete with step-by-step instructions for securely accessing your account. Additionally, it covers topics such as:Activating ICICI mobile bankingHow to link a mobile number with an ICICI Bank accountHow to update or change your registered mobile numberKey benefits of using ICICI mobile bankingICICI Mobile Banking AppsICICI Bank provides its users with mobile banking apps to facilitate easier and quicker banking. ICICI Mobile Banking apps are as follows:ICICI Bank AppsServices iMobile Pay by ICICI BankCheck account balance, outstanding credit card dues, and IFSC CodeTransfer funds via IMPS, RTGS, or NEFTRecharge mobileUpdate Aadhaar detailsUpgrade debit cardOpen a PPF account onlineBHIM UPI transactionsPay utility and credit card billsInvest in stocks or life insuranceAccess savings, loan, and deposit account detailsPockets by ICICI BankVISA Powered e-wallet to transfer payments, pay bills, and shop anywherePhysical Debit Card (on request)Mera iMobileVernacular Mobile Banking Application available in 12 languagesCheck account balance, transfer funds, and make other transactionsEazypayFor merchants having an account in ICICI BankMerchants can accept payments from customers having an account in any bankReceive payments via UPI, credit and debit card, Internet Banking, or Pockets walletNo daily or monthly limitHow to Activate ICICI Mobile Banking ServicesFollow these simple steps to start using iMobile app:Download iMobile: You can visit the Google Play store or the iOS app store to download the iMobile application. Activate iMobile: Once you have downloaded the iMobile application, the following process will be required to activate iMobile: Open and install the application.Select the type of user you are.Select the country code.Enter the user ID and click on ‘Activate.’How to Register for ICICI Bank Mobile BankingYou can register for ICICI Bank’s mobile banking services by following the steps mentioned below:Through ICICI ATMUsers can also register for ICICI Bank Mobile Banking service even from ATMs.

Life Insurance corporation of India (LIC) issued approximately 21 million individual policies in India, representing 75 per cent market share in new separate policy issuances. While customers stand to gain from these policies, a significant number of policyholders may be unaware that they have unclaimed amounts in their LIC policies. What is the Unclaimed Amount in LIC Policy?According to LIC, the unclaimed amount in life insurance is the premium money paid for the policy but not collected by the policyholder. If the policyholder hasn't received any benefits from the insurer for nearly 3 years or more, it's considered unclaimed. This is figured out based on when the policy matures, when premium payments stop, or when the policyholder passes away.What is the Total Unclaimed Amount in LIC?As per the latest government data, LIC reported ₹880.93 crore in unclaimed maturity amounts for the financial year 2023–24.

Aadhaar card download by mobile number is quick and secure through the Unique Identification Authority of India (UIDAI) website. You can download your e-Aadhaar by verifying an OTP sent to your registered mobile number. If you are wondering how to download Aadhaar card without mobile number, it is not possible online — you must visit an Aadhaar center. Keep reading to know how to download Aadhaar card with mobile number step-by-step.What are the Requirements for Downloading an e-Aadhaar Card?To download your e-Aadhaar card online, you must meet the following requirements:A valid 12-digit Aadhaar number, Enrolment ID (EID), or Virtual ID (VID)A mobile number linked to your Aadhaar to receive OTPAccess to the UIDAI official portal or Aadhaar mobile appA stable internet connection to complete the processA PDF reader to view the downloaded AadhaarThe password to open the Aadhaar PDF file, which is the fi1980rst 4 letters of your name in uppercase followed by your year of birth (e.g., RAVI1995)How to Download an Aadhaar Card with a Mobile Number?You can easily download your Aadhar card on the UIDAI website. The process is given below:Step 1: On the official website, click on the Login. Step 2: Select the “Aadhaar number” option and enter your unique 12-digit Aadhaar number. Step 3: Enter the required captcha verification code and click on “Send OTP”.Step 4: You will receive the OTP on your registered mobile number.Step 5: After entering the OTP in the required space, click “Download Aadhaar”.Step 6: You will find a password-protected Aadhaar card PDF in your download folder. To open the PDF, you need to type the required password.