Blog - Advisors India

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₹9 lakh in Post Office MIS vs ₹9 lakh in bank FD: Which gives a higher monthly income?
A ₹9 lakh investment in Post Office MIS earns ₹5,550 monthly at 7.4% interest, compared with an indicative ₹4,875 from a bank FD at 6.5%. Compare monthly income, tenure, other rules and tax implications before investing. Seek professional guidance before investing to ensure a beneficial investment. 
Home loan alert: SBI, PNB and 4 other banks revise lending rates — how borrowers may be affected
Six major banks, including SBI and PNB, have revised their repo-linked lending rates in October 2026. Here are the updated benchmarks, effective dates and what existing and prospective home loan borrowers should know about EMIs and borrowing costs.
8th pay commission: DA merger, salary hike, fitment factor, inflation adjustment — Top 5 demands from employee groups
The 8th Central Pay Commission is consulting employees, pensioners and other stakeholders before submitting recommendations by May 2027. Groups have proposed higher minimum pay, DA merger or inflation-linked allowances, and revised fitment factors. 
SGB 2020-21 Series VII: Investors to pocket 192% gains on premature redemption; RBI fixes October 19 date
The RBI has set the premature redemption price of SGB 2020-21 Series VII at ₹14,614 per gram. Investors can earn capital gains of 189.33% on offline purchases and 192.22% on online purchases. Here's what you need to know about the redemption date and interest rules.
DA hike after Dussehra: Will central government employees get good news in October? - What we know so far
Central government employees and pensioners are awaiting the July 2026 DA hike after the Cabinet made no announcement on 14 October. The next meeting on 21 October could bring an update, but the expected increase remains unconfirmed for now. 
India Post sanctions 60 days’ Productivity Linked Bonus: Check employee eligibility, salary limits and calculation rules
India Post has announced a 60-day Productivity Linked Bonus for eligible employees for 2025-26. The order covers MTS, Group C, non-gazetted Group B staff, Gramin Dak Sevaks and eligible casual labourers. Check eligibility, salary limits and how the bonus is calculated.
8th Pay Commission: What central government employees need to know about OPS, NPS and UPS
The 8th Pay Commission is hearing employee demands on pension reforms, including the restoration of OPS. Understand the differences between OPS, NPS and UPS, the government's stance on pension changes and what central government employees can expect next.
DA news: Key salary components explained — We breakdown the differences between your DA, DR and HRA
Amid discussions over revisions for central government employee and pensioners' allowances and benefits, we breakdown difference between key salary components such as Dearness Allowance (DA), Dearness Relief (DR) and House Rent Allowance (HRA).  
Voluntary Provident Fund: Should you invest beyond EPF? Interest rates, tax rules and the ₹2.5 lakh limit explained
VPF allows salaried employees to invest beyond mandatory EPF contributions at the prevailing 8.25% interest rate. Understand the ₹2.5 lakh tax-free interest limit, tax on excess contributions and withdrawal rules before investing more for retirement.
Abakkus Flexi Cap Fund September portfolio: 35 stocks, including Groww and NTPC, see higher holdings
Abakkus Flexi Cap Fund raised its holdings in Groww, NTPC and HDFC Bank in September, added Zydus Lifesciences and exited Cyient DLM. It also trimmed positions in Divi’s Laboratories and Oracle Financial Services Software.