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Getting your first salary is an exciting moment, but once you receive your pay slip, you might be surprised. The amount credited to your bank account is usually less than what you expected. That’s because your salary includes various deductions, and your pay slip shows a breakdown of where your money is going. Understanding your pay slip is an important step in managing your money and planning for the future. Let’s decode it in simple terms. Key Parts of a Pay Slip A pay slip, also called a salary slip , has two main sections: Earnings – This shows your gross income before any deductions. Deductions – This section lists out the amount subtracted from your salary for different purposes. Let’s look at each in detail. Earnings Section 1. Basic Salary This is the fixed part of your salary and forms the base for calculating other benefits like Provident Fund and bonuses. 2. House Rent Allowance (HRA) Given to employees who live in rented accommodation. You can claim tax benefits on this...

Most people assume that managing money requires complicated plans and endless budgeting. But what if you only needed to focus on a few key areas to improve your finances? That’s exactly what the 80/20 rule suggests. Also known as the Pareto Principle, this simple idea can change how you look at saving, spending, and managing your money. What Is the 80/20 Rule in Finance? The 80/20 rule means that 80% of outcomes often come from just 20% of efforts. In financial terms, this means that a small number of your habits or expenses are likely responsible for most of your financial results. For example, a few spending categories could be eating up most of your money, while a handful of good habits—like saving or investing—might be building most of your wealth. This rule is not an exact formula, but it helps you think critically. Instead of stressing about every tiny transaction, focus on the few things that make the biggest difference. Identify the Top 20% of Your Expenses Start by listing you...

In the traditional world of debt collection, companies reacted once payments were missed. Poonawalla Fincorp Limited has upgraded its strategy by introducing machine learning tools that predict risk far more accurately. These AI models continuously learn from customer data—like transaction behaviour, repayment patterns, and engagement levels. This has boosted their ability to predict trouble three times better than before. Acting earlier prevents accounts from spiraling into delinquency, improving customer outcomes while safeguarding the company’s portfolio. Making Compliance Automatic Ensuring agents stick to the right protocols has always been a challenge. Manual audits couldn’t catch everything, leading to occasional lapses. Today, an AI-driven governance system audits 100% of customer interactions at Poonawalla Fincorp. Using natural language processing, it listens in real-time and flags issues immediately. This ensures every conversation is aligned with company policies and custo...

  Kabaddi was once a staple in Indian school grounds and rural fields. You didn’t need fancy equipment—just a few people and a bit of space. But over time, cricket and football became more popular. For a while, Kabbadi faded into the background. That’s changing now. Thanks to professional leagues and better media coverage, Kabbadi is seeing a massive revival. The Pro Kabaddi League (PKL), launched in 2014, played a major role in making the sport exciting again. With lights, music, and real-time action, it feels more like watching an edge-of-the-seat film like Chak De! India —only this time, the spotlight is on Kabbadi warriors. Why are the Youth Watching Again? A few years ago, Kabaddi didn’t have many fans in urban areas. But today, it’s on TV, YouTube, and even Instagram reels. People now know the names of players like Pardeep Narwal and Rahul Chaudhari. The action is raw, the matches are short, and the strategy is clever. For young audiences who love fast-paced games, Kabbadi is...

Poonawalla Fincorp Limited has formally stepped into the consumer durables loans segment, marking a significant expansion of its retail lending operations. The announcement, made on April 22, 2025, signals a focused attempt by the company to increase its footprint in a growing area of consumer credit, especially across Tier 2 and Tier 3 regions. As part of this initiative, the non-banking financial company (NBFC), backed by the Cyrus Poonawalla Group, also unveiled a digital EMI card aimed at streamlining the purchasing process for durable goods. Focusing on Digital Simplicity for Customers A core feature of the launch is the introduction of a digital EMI card with pre-approved limits. This solution enables customers to buy a wide range of consumer durable products easily at partnered dealer locations. The company stated in a stock exchange filing that this move supports convenience, speed, and a smoother borrowing experience. The card acts as a direct tool for customers to access shor...

We use screens every day. Phones, laptops, tablets, and even smartwatches. Most of us don’t even realise how much time we spend looking at them. But over time, this constant screen exposure affects our eyes. This condition is called Digital Eye Strain or Computer Vision Syndrome. It may sound simple, but it can lead to serious discomfort. How It Begins? You open your laptop for work or class. Minutes turn into hours. Before you know it, your eyes feel dry. Your vision becomes blurry. Maybe there’s a mild headache or your neck feels stiff. These are common signs. A 2022 report in The Lancet Digital Health found that over 50% of people using screens for more than 6 hours a day experience these symptoms. Why Does It Happen? Our eyes aren’t built to stare at screens for long. When we look at a screen, we blink less. This leads to dryness. The screen’s brightness and blue light strain our eyes further. Constant focusing and shifting between devices also tires the eye muscles. It’s like mak...