Blogs

Stay informed with expert-written articles from SevaFunds covering personal finance, tax tools, government schemes, and smart money decisions. Our blogs help individuals, freelancers, and small business owners understand key financial topics like GST, home loans, retirement savings, and more — all in a simple, practical way.

senior couple reviewing pension and bank interest with a laptop and calculator—tax exemptions for senior citizens in India.

Tax Exemptions for Senior Citizens: A Complete Guide to Saving Money in Retirement

Tax exemption for senior citizens is about making retirement income—pension, savings interest, and small investments—work harder by using the right rules at the right time. This guide explains how age bands (60–79 and 80+) affect your zero-tax threshold, helps you compare the Old vs New Regime without jargon, and shows where seniors commonly save—like claiming

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APY vs PM-SYM — landscape banner showing two side-by-side cards: APY (₹1k–₹5k choice pension, spouse same pension) vs PM-SYM (₹3k fixed, 1:1 government matching), with simple icons and bold headings.

Atal Pension Yojana vs PM-SYM (2025): Eligibility, Benefits & How They Differ

APY vs PM-SYM: For millions of Indians in the unorganised sector, planning for retirement can feel uncertain—income is often irregular and private pension products can be confusing. The Government of India offers two simple, low-cost options that pay from age 60: Atal Pension Yojana (APY) and Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM). This guide gives

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Young villager in India completing Video-KYC on a smartphone near a CSC kiosk—illustrating how to get a credit card from a village (FD-backed/CSC support)

How to Get a Credit Card from a Village in India: Your Step-by-Step Guide

Credit Card from a Village is no longer a city-only dream. In many parts of rural India, cash still rules daily life, shops may not accept cards, and thin or zero credit histories make approvals feel out of reach. That’s changing fast. With Video-KYC, help from local Common Service Centres (CSCs)/Banking Correspondents, and FD-backed (secured)

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“Indian Income Tax Slab History – A Visual Journey (1995–Present)”.

The History of the Indian Income Tax Slab: A Visual Journey (1995–Present)

Indian income tax slab history tracks how rates, thresholds, and structures have shifted from the mid-1990s to today. Over three decades, policy moved from complex slabs toward clearer bands, periodic increases in the basic exemption, and—most recently—an optional new regime that trades many deductions for lower rates. This article presents a concise timeline (1995–present), side-by-side

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Realistic scientific calculators on a desk with centered title "Disadvantages of Scientific Calculators"

Disadvantages of Scientific Calculators (and When to Skip Them)

Disadvantages of Scientific Calculators — scientific calculators are fantastic for crunching numbers fast, but they come with trade-offs. Over-reliance can weaken number sense and make it harder to spot unreasonable results. Tiny input or mode mistakes (degrees vs radians, fixed vs float) produce precise-looking, wrong answers. Most non-CAS models can’t handle symbolic steps, which are

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