{"id":209763,"date":"2025-09-29T09:00:00","date_gmt":"2025-09-29T03:30:00","guid":{"rendered":"https:\/\/divyapradesh.com\/?p=209763"},"modified":"2025-09-29T09:00:00","modified_gmt":"2025-09-29T03:30:00","slug":"your-budget-will-change-from-october-1-learn-5-new-rules-that-everyone-needs-to-know","status":"publish","type":"post","link":"https:\/\/divyapradesh.com\/?p=209763","title":{"rendered":"1 \u0905\u0915\u094d\u091f\u0942\u092c\u0930 \u0938\u0947 \u092c\u0926\u0932 \u091c\u093e\u090f\u0917\u093e \u0906\u092a\u0915\u093e \u092c\u091c\u091f: \u091c\u093e\u0928\u0947\u0902 5 \u0928\u090f \u0928\u093f\u092f\u092e \u091c\u094b \u0938\u092d\u0940 \u0915\u094b \u091c\u093e\u0928\u0928\u093e \u091c\u0930\u0942\u0930\u0940"},"content":{"rendered":"<p><strong>\u0928\u0908 \u0926\u093f\u0932\u094d\u0932\u0940&nbsp;<\/strong><br \/>\n\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u092a\u0939\u0932\u0940 \u0924\u093e\u0930\u0940\u0916 \u0915\u0940 \u0924\u0930\u0939, \u0906\u0928\u0947 \u0935\u093e\u0932\u0940 1 \u0905\u0915\u094d\u091f\u0942\u092c\u0930 2025 \u0938\u0947 \u0906\u092a\u0915\u0940 \u091c\u0947\u092c \u0914\u0930 \u0930\u094b\u091c\u092e\u0930\u094d\u0930\u093e \u0915\u0940 \u091c\u093f\u0902\u0926\u0917\u0940 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0915\u0908 \u0905\u0939\u092e \u0928\u093f\u092f\u092e \u092c\u0926\u0932\u0928\u0947 \u0935\u093e\u0932\u0947 \u0939\u0948\u0902\u0964 \u0930\u0947\u0932\u0935\u0947 \u091f\u093f\u0915\u091f \u092c\u0941\u0915\u093f\u0902\u0917, UPI \u0938\u0947 \u0932\u0947\u0928\u0926\u0947\u0928, \u092a\u0947\u0902\u0936\u0928 \u0914\u0930 \u0917\u0948\u0938 \u0938\u093f\u0932\u0947\u0902\u0921\u0930 \u0915\u0940 \u0915\u0940\u092e\u0924\u094b\u0902 \u0924\u0915 \u0907\u0928 5 \u092c\u0921\u093c\u0947 \u092c\u0926\u0932\u093e\u0935\u094b\u0902 \u0915\u093e \u0938\u0940\u0927\u093e \u0905\u0938\u0930 \u0906\u092e \u0906\u0926\u092e\u0940 \u092a\u0930 \u092a\u0921\u093c\u0947\u0917\u093e\u0964<\/p>\n<p><strong>\u090f\u0932\u092a\u0940\u091c\u0940 \u0938\u093f\u0932\u0947\u0902\u0921\u0930 \u0915\u0947 \u0926\u093e\u092e \u092e\u0947\u0902 \u0915\u091f\u094c\u0924\u0940 \u0915\u0940 \u0909\u092e\u094d\u092e\u0940\u0926<\/strong><br \/>\n\u0924\u094d\u092f\u094b\u0939\u093e\u0930\u0940 \u0938\u0940\u091c\u0928 \u0936\u0941\u0930\u0942 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0915\u093e\u0930\u0923, \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u090f\u0932\u092a\u0940\u091c\u0940 \u0917\u0948\u0938 \u0938\u093f\u0932\u0947\u0902\u0921\u0930 \u0915\u0940 \u0915\u0940\u092e\u0924\u094b\u0902 \u092e\u0947\u0902 \u0930\u093e\u0939\u0924 \u0915\u0940 \u0909\u092e\u094d\u092e\u0940\u0926 \u0939\u0948\u0964 \u092a\u093f\u091b\u0932\u0947 \u092e\u0939\u0940\u0928\u094b\u0902 \u092e\u0947\u0902 19 \u0915\u093f\u0932\u094b\u0917\u094d\u0930\u093e\u092e \u0935\u093e\u0932\u0947 \u0915\u092e\u0930\u094d\u0936\u093f\u092f\u0932 \u0938\u093f\u0932\u0947\u0902\u0921\u0930 \u0915\u0940 \u0915\u0940\u092e\u0924\u094b\u0902 \u092e\u0947\u0902 \u0915\u091f\u094c\u0924\u0940 \u0915\u0940 \u0917\u0908 \u0925\u0940\u0964 \u0907\u0938 \u092c\u093e\u0930 14 \u0915\u093f\u0932\u094b\u0917\u094d\u0930\u093e\u092e \u0935\u093e\u0932\u0947 \u0918\u0930\u0947\u0932\u0942 \u090f\u0932\u092a\u0940\u091c\u0940 \u0938\u093f\u0932\u0947\u0902\u0921\u0930 \u0915\u0947 \u0926\u093e\u092e \u0915\u092e \u0939\u094b\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u092e \u0906\u0926\u092e\u0940 \u0915\u094b \u092e\u0939\u0902\u0917\u093e\u0908 \u0938\u0947 \u0925\u094b\u0921\u093c\u0940 \u0930\u093e\u0939\u0924 \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p><strong>\u0930\u0947\u0932\u0935\u0947 \u091f\u093f\u0915\u091f \u092c\u0941\u0915\u093f\u0902\u0917 \u0915\u0947 \u0928\u090f \u0928\u093f\u092f\u092e<\/strong><br \/>\n\u0930\u0947\u0932\u0935\u0947 \u0928\u0947 \u091f\u093f\u0915\u091f \u0927\u093e\u0902\u0927\u0932\u0940 \u0914\u0930 \u0915\u093e\u0932\u093e\u092c\u093e\u091c\u093e\u0930\u0940 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u091f\u093f\u0915\u091f \u092c\u0941\u0915\u093f\u0902\u0917 \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u094b 1 \u0905\u0915\u094d\u091f\u0942\u092c\u0930 2025 \u0938\u0947 \u0932\u093e\u0917\u0942 \u0939\u094b\u0902\u0917\u0947:<br \/>\n\u0924\u0924\u094d\u0915\u093e\u0932 \u091f\u093f\u0915\u091f \u092a\u0930 \u0905\u0938\u0930: \u091f\u093f\u0915\u091f \u0915\u093e\u0909\u0902\u091f\u0930 \u0916\u0941\u0932\u0928\u0947 \u0915\u0947 \u0936\u0941\u0930\u0941\u0906\u0924\u0940 15 \u092e\u093f\u0928\u091f \u0924\u0915, \u0915\u0947\u0935\u0932 \u0935\u0939\u0940 \u0932\u094b\u0917 \u091f\u093f\u0915\u091f \u092c\u0941\u0915 \u0915\u0930 \u092a\u093e\u090f\u0902\u0917\u0947 \u091c\u093f\u0928\u0915\u093e \u0906\u0927\u093e\u0930 \u0915\u093e\u0930\u094d\u0921 IRCTC \u0905\u0915\u093e\u0909\u0902\u091f \u0938\u0947 \u0932\u093f\u0902\u0915 \u0939\u094b\u0917\u093e\u0964 \u092f\u0939 \u0928\u093f\u092f\u092e \u092b\u093f\u0932\u0939\u093e\u0932 \u0924\u0924\u094d\u0915\u093e\u0932 \u091f\u093f\u0915\u091f \u092c\u0941\u0915\u093f\u0902\u0917 \u092a\u0930 \u0932\u093e\u0917\u0942 \u0939\u094b\u0917\u093e\u0964<\/p>\n<p><strong>UPI \u0932\u0947\u0928\u0926\u0947\u0928 \u092e\u0947\u0902 \u092c\u0921\u093c\u093e \u092c\u0926\u0932\u093e\u0935 (P2P \u091f\u094d\u0930\u093e\u0902\u091c\u0948\u0915\u094d\u0936\u0928)<\/strong><br \/>\n\u0911\u0928\u0932\u093e\u0907\u0928 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 (\u0911\u0928\u0932\u093e\u0907\u0928 \u092b\u094d\u0930\u0949\u0921) \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0914\u0930 \u092f\u0942\u091c\u0930\u094d\u0938 \u0915\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f NPCI (\u0928\u0947\u0936\u0928\u0932 \u092a\u0947\u092e\u0947\u0902\u091f\u094d\u0938 \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u0936\u0928 \u0911\u092b \u0907\u0902\u0921\u093f\u092f\u093e) \u0928\u0947 UPI \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u092c\u0921\u093c\u093e \u092c\u0926\u0932\u093e\u0935 \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u094b 1 \u0905\u0915\u094d\u091f\u0942\u092c\u0930 \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902:<\/p>\n<p>P2P \u092b\u0940\u091a\u0930 \u0939\u091f\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e: \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u092c\u0926\u0932\u093e\u0935 \u092f\u0939 \u0939\u0948 \u0915\u093f UPI \u0910\u092a\u094d\u0938 (\u091c\u0948\u0938\u0947 PhonePe, Google Pay, Paytm) \u0938\u0947 P2P (\u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0938\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f) \u091f\u094d\u0930\u093e\u0902\u091c\u0948\u0915\u094d\u0936\u0928 \u092b\u0940\u091a\u0930 \u0939\u091f\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f 1 \u0905\u0915\u094d\u091f\u0942\u092c\u0930 \u0938\u0947 \u0906\u092a UPI \u0910\u092a\u094d\u0938 \u092a\u0930 \u0938\u0940\u0927\u0947 \u090f\u0915-\u0926\u0942\u0938\u0930\u0947 \u0915\u094b \u092a\u0948\u0938\u0947 \u092d\u0947\u091c\u0928\u0947 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0928\u0939\u0940\u0902 \u0915\u0930 \u092a\u093e\u090f\u0902\u0917\u0947\u0964<\/p>\n<p><strong>\u0928\u0947\u0936\u0928\u0932 \u092a\u0947\u0902\u0936\u0928 \u0938\u093f\u0938\u094d\u091f\u092e (NPS) \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935<\/strong><br \/>\n\u0928\u0947\u0936\u0928\u0932 \u092a\u0947\u0902\u0936\u0928 \u0938\u093f\u0938\u094d\u091f\u092e (NPS) \u092e\u0947\u0902 \u092d\u0940 1 \u0905\u0915\u094d\u091f\u0942\u092c\u0930 2025 \u0938\u0947 \u0917\u0948\u0930-\u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u092c\u094d\u0938\u0915\u094d\u0930\u093e\u0907\u092c\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u092c\u0921\u093c\u0947 \u092c\u0926\u0932\u093e\u0935 \u0915\u093f\u090f \u0917\u090f \u0939\u0948\u0902:<br \/>\n\u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092e\u0947\u0902 \u091c\u094d\u092f\u093e\u0926\u093e \u0928\u093f\u0935\u0947\u0936: \u0905\u092c \u0917\u0948\u0930-\u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u092c\u094d\u0938\u0915\u094d\u0930\u093e\u0907\u092c\u0930\u094d\u0938 \u0905\u092a\u0928\u0940 \u092a\u0942\u0930\u0940 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0915\u093e 100% \u0924\u0915 \u0907\u0915\u094d\u0935\u093f\u091f\u0940 (\u0936\u0947\u092f\u0930 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u0938\u094d\u0915\u0940\u092e) \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930 \u0938\u0915\u0947\u0902\u0917\u0947\u0964 \u092a\u0939\u0932\u0947 \u092f\u0939 \u0938\u0940\u092e\u093e \u0915\u0947\u0935\u0932 75% \u0925\u0940\u0964<br \/>\nPRAN \u0916\u094b\u0932\u0928\u0947 \u092a\u0930 \u091a\u093e\u0930\u094d\u091c: \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0938\u0947\u0915\u094d\u091f\u0930 \u0915\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0905\u092c PRAN (\u0938\u094d\u0925\u093e\u092f\u0940 \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f \u0916\u093e\u0924\u093e \u0938\u0902\u0916\u094d\u092f\u093e) \u0916\u094b\u0932\u0928\u0947 \u0914\u0930 \u092e\u0947\u0902\u091f\u0947\u0928\u0947\u0902\u0938 \u092a\u0930 \u091a\u093e\u0930\u094d\u091c \u0926\u0947\u0928\u093e \u0939\u094b\u0917\u093e:<\/p>\n<p><strong>\u092b\u093f\u091c\u093f\u0915\u0932 PRAN \u0915\u093e\u0930\u094d\u0921: \u20b940<br \/>\n\u0908-PRAN \u0915\u093f\u091f: \u20b918<br \/>\n\u090f\u0928\u0941\u0905\u0932 \u092e\u0947\u0902\u091f\u0947\u0928\u0947\u0902\u0938 \u091a\u093e\u0930\u094d\u091c: \u20b9100 \u092a\u094d\u0930\u0924\u093f \u0905\u0915\u093e\u0909\u0902\u091f<\/strong><\/p>\n<p><strong>\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (APY) \u0936\u0941\u0932\u094d\u0915 \u092e\u0947\u0902 \u0930\u093e\u0939\u0924<\/strong><br \/>\n\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (APY) \u0914\u0930 NPS \u0932\u093e\u0907\u091f \u0938\u092c\u094d\u0938\u0915\u094d\u0930\u093e\u0907\u092c\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0905\u091a\u094d\u091b\u0940 \u0916\u092c\u0930 \u0939\u0948 \u0915\u093f \u0909\u0928\u0915\u0947 \u0932\u093f\u090f PRAN \u0916\u094b\u0932\u0928\u0947 \u0914\u0930 \u092e\u0947\u0902\u091f\u0947\u0928\u0947\u0902\u0938 \u0915\u093e \u091a\u093e\u0930\u094d\u091c \u0915\u0947\u0935\u0932 \u20b915 \u0930\u0939\u0947\u0917\u093e\u0964 \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u0940 \u092c\u093e\u0924 \u092f\u0939 \u0939\u0948 \u0915\u093f \u0907\u0928 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902 \u091f\u094d\u0930\u093e\u0902\u091c\u0948\u0915\u094d\u0936\u0928 \u092a\u0930 \u0915\u094b\u0908 \u092b\u0940\u0938 \u0928\u0939\u0940\u0902 \u0932\u0917\u0947\u0917\u0940\u0964<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0928\u0908 \u0926\u093f\u0932\u094d\u0932\u0940&nbsp; \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u092a\u0939\u0932\u0940 \u0924\u093e\u0930\u0940\u0916 \u0915\u0940 \u0924\u0930\u0939, \u0906\u0928\u0947 \u0935\u093e\u0932\u0940 1 \u0905\u0915\u094d\u091f\u0942\u092c\u0930 2025 \u0938\u0947 \u0906\u092a\u0915\u0940 \u091c\u0947\u092c \u0914\u0930 \u0930\u094b\u091c\u092e\u0930\u094d\u0930\u093e \u0915\u0940 \u091c\u093f\u0902\u0926\u0917\u0940 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0915\u0908 \u0905\u0939\u092e \u0928\u093f\u092f\u092e \u092c\u0926\u0932\u0928\u0947 \u0935\u093e\u0932\u0947 \u0939\u0948\u0902\u0964 \u0930\u0947\u0932\u0935\u0947 \u091f\u093f\u0915\u091f \u092c\u0941\u0915\u093f\u0902\u0917, UPI \u0938\u0947 \u0932\u0947\u0928\u0926\u0947\u0928, \u092a\u0947\u0902\u0936\u0928 \u0914\u0930 \u0917\u0948\u0938 \u0938\u093f\u0932\u0947\u0902\u0921\u0930 \u0915\u0940 \u0915\u0940\u092e\u0924\u094b\u0902 \u0924\u0915 \u0907\u0928 5 \u092c\u0921\u093c\u0947 \u092c\u0926\u0932\u093e\u0935\u094b\u0902 \u0915\u093e \u0938\u0940\u0927\u093e \u0905\u0938\u0930 \u0906\u092e \u0906\u0926\u092e\u0940 \u092a\u0930 \u092a\u0921\u093c\u0947\u0917\u093e\u0964 \u090f\u0932\u092a\u0940\u091c\u0940 \u0938\u093f\u0932\u0947\u0902\u0921\u0930 &hellip;<\/p>\n","protected":false},"author":1,"featured_media":209764,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[32,31660],"_links":{"self":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/posts\/209763"}],"collection":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=209763"}],"version-history":[{"count":0,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/posts\/209763\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/media\/209764"}],"wp:attachment":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=209763"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=209763"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=209763"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}