#pnthaan technologies

[digitalpanthblog]

EMI Lifestyle vs Debt-Free Living: Which One Gives Real Financial Freedom?

Borrow strategically, not habitually. One productive EMI is fine, typically a home loan, and only if the EMI stays below 30% of take-home income on its own. Consumer debt is a red line gadgets, holidays, and lifestyle purchases on credit are interest payments made for instant gratification.

The practical framework: EMI only for appreciating assets or education. Save and pay cash for everything else. Build a 6-month emergency fund before taking any discretionary EMI. And whenever a loan is repaid, redirect that EMI amount into a SIP, the habit of paying that amount every month already exists.

[digitalpanthblog]

AI Tools That Can Help You Save and Invest Smarter

AI tools have made smart investing accessible to every Indian, not just the wealthy. Whether you earn ₹25,000 or ₹2.5 lakh a month, these apps can help you spend less than you earn, invest the difference wisely, and build wealth steadily over time.

The best time to start was yesterday. The second best time is today. Pick one app, set up a SIP of even ₹500 a month, and let compounding do the rest. Your future self will thank you.

[digitalpanthblog]

The Future of UPI:Is India Going Completely Cashless?

India’s payment habits have changed dramatically over the last decade. Not long ago, carrying cash was a daily necessity. Whether it was buying vegetables, paying rent, shopping at a local store, or settling a restaurant bill, most transactions depended on physical currency.

Today, the situation is very different. QR codes are visible almost everywhere, from roadside tea stalls to large retail chains. Digital payments have become a normal part of life, and for millions of Indians, UPI is now the preferred way to pay.

The rapid growth of digital payments has led many people to ask an important question: Is India becoming a completely cashless economy?

The short answer is “no”, but India is certainly becoming a less-cash economy.

While UPI transactions continue to grow at record rates, cash remains an important part of India’s financial ecosystem. Understanding why both can coexist is essential to understanding the future of payments in India.

[digitalpanthblog]

How to change the address in a Punjab National Bank account

It is a good idea for all clients to double-check the address listed in their bank passbook and maintain it in their bank accounts to prevent any issues or communication gaps, as the address provided on your passbook or account statement acts as evidence of address. If you currently have a savings bank account with Punjab National Bank, you might eventually need to update the address in your account with Punjab National Bank. Changing your address everywhere—including on your bank account—is necessary if you’re moving to a new residence. When you move, you have six months to notify the bank to amend your address.

[digitalpanthblog]

CIBIL Score vs Experian vs CRIF vs Equifax — Which Credit Score Do Banks Actually Use?

If you have ever been puzzled by different scores appearing across different platforms, you are not alone. India has four licensed credit bureaus, each generating its own credit score from the same underlying financial data, yet the numbers can differ, sometimes by a meaningful margin. Understanding which bureau your lender actually uses and why scores vary can help you prepare far more strategically before applying for a home loan, personal loan, or credit card. This guide breaks it all down clearly.

[digitalpanthblog]

Credit Utilisation: What It Is & How to Improve It

If your score is stuck, credit utilisation is usually why. It’s the percentage of your available credit you’re using and it accounts for 30% of your FICO score. Second only to payment history. Most people never look at it. Lenders use it to gauge whether you’re financially stretched, regardless of whether you pay in full each month. Bring it down, and your score can move within a single billing cycle. This guide tells you exactly how.

[digitalpanthblog]

Hard Inquiry vs Soft Inquiry: What’s the Difference and Why It Matters

Ever wondered why applying for a loan can lower your credit score but checking it yourself doesn’t? The answer comes down to one key difference: hard inquiry vs soft inquiry. Understanding this distinction can help you protect your credit score while still applying for the credit you need. In this article, we’ll break down what each type of inquiry means, how they affect your score, and practical steps you can take to minimize any impact.

[digitalpanthblog]

New Credit Card Rules 2026: What Every Indian Must Know

India’s credit card landscape is undergoing a major transformation. The Income Tax Department’s Draft Income Tax Rules 2026 are set to replace the tax compliance framework that has governed India since 1962. It introduces sweeping changes directly tied to how you use your credit card. With over 11.66 crore credit cards in active circulation as of January 2026, these rules will touch virtually every working Indian who uses a card.

From mandatory PAN requirements and high-value transaction reporting to new tax payment options and perquisite rules for company cards, the changes coming from April 1, 2026 deserve your full attention. Here is everything you need to know, explained clearly.