by Jobuza Team | Jun 10, 2025 | BLOG, PAN/Aadhar Card Updates, Trending News
Ration Card e-KYC Deadline Extended to June 30: Complete Now to Avoid Deactivation
The government has made it mandatory for all ration card holders to complete their e-KYC process by June 30, 2025. If this is not done within the deadline, beneficiaries risk removal from the ration card and may lose access to subsidized ration.
This move is part of the government’s initiative to improve the public distribution system and ensure that benefits reach only the rightful and needy individuals. e-KYC is done using the Aadhaar card, verifying the identity of the ration cardholder and all listed family members.
Earlier, the deadline was set as March 31, 2025, but it has now been extended due to widespread technical issues and lack of awareness among users.
How to Complete Ration Card e-KYC
You can complete the process either online or offline:
Offline Process:
Visit your nearest ration shop or public service center. Carry your ration card and Aadhaar cards of all family members. Your biometric verification—such as fingerprint or face scan—will be done via POS machine. Once verified, your ration card will be linked with Aadhaar.
Online Process:
Download the Mera Ration app or Aadhaar Face RD app from the Google Play Store. Enter your Aadhaar number and complete OTP-based verification. Enable your phone’s camera for face scanning to finish the process.
What Happens If You Miss the Deadline?
If you fail to complete e-KYC by June 30, your ration card may be cancelled or deactivated. This could lead to a loss of free or subsidized ration and removal from government welfare schemes.
To avoid disruption in your ration supply and government benefits, it is advised to complete the e-KYC process as early as possible.
Ration Card eKYC: If you do not complete the e-KYC by the deadline, your ration card may be deactivated or cancelled, and you may lose access to free or subsidized ration. In such cases, reactivation will require applying to the Food Department.
Ration Card eKYC: To continue receiving benefits without any interruption, complete your ration card e-KYC well before the deadline.
by Jobuza Team | Jun 10, 2025 | BLOG, Trending News
Tatkal Booking Rules Change from July 1: Aadhaar Now Mandatory for IRCTC Tatkal Tickets
Tatkal Booking New Rules: The Indian Railways has announced a major update to the Tatkal ticket booking process. Starting July 1, 2025, only Aadhaar-verified users will be able to book Tatkal train tickets online through the IRCTC website or mobile app. This new rule aims to reduce fraudulent bookings and ensure genuine passengers get fair access to Tatkal tickets.
A directive was issued by the Railway Ministry on June 10, 2025, to all railway zones outlining the mandatory Aadhaar authentication for online Tatkal ticket bookings. The move is designed to enhance transparency and prevent misuse of the Tatkal quota by bots and fake user accounts.
What’s Changing in Tatkal Booking from July 1, 2025?
1. Aadhaar Mandatory for Online Bookings
Only users who have completed Aadhaar authentication will be allowed to book Tatkal tickets online via IRCTC.
2. OTP-Based Aadhaar Verification from July 15
An additional OTP authentication linked to Aadhaar will be introduced for online Tatkal bookings from July 15, 2025.
3. OTP Required for Counter Bookings
For Tatkal tickets booked at railway counters, a mobile number will be required to receive an OTP. Tickets will only be issued after successful verification.
Key Reforms Introduced by Indian Railways
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2.5 Crore Fake IDs Blocked: Indian Railways has already deactivated over 2.5 crore fake or suspicious IRCTC accounts to curb misuse via bots and illegal software.
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First 30 Minutes Reserved for Individuals:
To ensure fair access, the first 30 minutes of Tatkal booking will be exclusive to individual users:
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Restrictions for Travel Agents:
Travel agents and booking agencies can only book after the first 30-minute window:
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Limited Booking Options for Non-Aadhaar Users:
Those without Aadhaar can still book Tatkal tickets, but only at PRS counters or through authorised agents. Online booking will not be allowed without Aadhaar verification.
Quick Comparison: Old vs. New Tatkal Rules
| Feature |
Until June 30, 2025 |
From July 1, 2025 |
| Aadhaar Requirement |
Optional |
Mandatory for online Tatkal bookings |
| OTP Verification |
Not applicable |
Required from July 15 |
| First 30 mins Booking |
Open to all |
Only individual users and counters |
| Travel Agents Access |
Immediate |
Delayed by 30 mins |
| Counter Booking Verification |
Basic ID check |
Mobile number + OTP |
| Anti-bot Measures |
Minimal |
2.5 crore fake IDs blocked |
How to Book Tatkal Tickets on IRCTC (From July 1)
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Log in to your Aadhaar-linked IRCTC account at www.irctc.co.in or via the IRCTC app.
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Select departure and arrival stations, journey date, and click “Find Trains.”
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Choose your train and class, and select the Tatkal quota.
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Enter passenger details including Aadhaar numbers.
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From July 15, complete Aadhaar-linked OTP verification.
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Proceed to make the payment.
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Receive confirmation and e-ticket via SMS/email.
What You Need Before Booking Tatkal Tickets
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An IRCTC registered account
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Aadhaar numbers for all passengers (mandatory for online Tatkal)
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A valid payment method (debit card, credit card, UPI, or net banking)
Final Word
These reforms mark a significant step by Indian Railways to ensure a secure, transparent, and fair Tatkal booking experience. By giving individual users priority and blocking bots, the new system is set to make Tatkal bookings smoother for genuine passengers.
Make sure to link your Aadhaar with your IRCTC account well before July 1, 2025, to avoid last-minute issues during Tatkal booking.
by Jobuza Team | Jun 9, 2025 | BLOG, Trending News
ITR-1 and ITR-4 Filing Starts for AY 2025–26: Check Eligibility Before You File
The Income Tax Department has officially opened the window for filing Income Tax Returns (ITR) for the assessment year 2025–26. Taxpayers can now file their returns online using ITR-1 and ITR-4 forms via the official e-filing portal. These forms come with key details prefilled, making the process faster and easier.
This development follows the recent release of the Excel utilities for both ITR-1 and ITR-4. In a welcome move, the department has also extended the deadline for filing returns to September 15, 2025, giving individuals more time to adapt to updated forms and portal enhancements. This extension provides relief during the busy tax-filing season, which typically ends in July.
Who Can File ITR-1?
ITR-1 (Sahaj) is meant for resident individuals whose total income does not exceed Rs 50 lakh during the financial year. It is suitable for those who earn:
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Income from salary or pension
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Income from one house property
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Family pension
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Agricultural income up to Rs 5,000
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Interest from savings, fixed deposits, or tax refunds
Who Cannot File ITR-1?
You are not eligible for ITR-1 if you:
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Earn income from business or capital gains
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Own more than one house property
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Have income from lottery, race horses, or similar sources
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Are taxed under special provisions like section 115BBDA or 115BBE
Who Can File ITR-4?
ITR-4 is applicable for resident individuals, HUFs, and firms (other than LLPs) with income up to Rs 50 lakh from:
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Business or profession under the presumptive taxation scheme (sections 44AD, 44ADA, or 44AE)
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Salary or pension
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Interest income
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Agricultural income up to Rs 5,000
Who Cannot File ITR-4?
You cannot use ITR-4 if you:
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Are a non-resident or resident but not ordinarily resident
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Are a director in a company
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Own more than one house property
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Have held unlisted equity shares
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Have deferred tax on ESOPs from eligible startups
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Have income from lottery, betting, or horse racing
Final Words
Choosing the correct ITR form is essential for smooth and compliant tax filing. With prefilled data and extended deadlines, the 2025–26 filing process is designed to be simpler and more user-friendly. Take the time to review your income sources and select the right form to avoid errors and future complications.
by Jobuza Team | Jun 9, 2025 | BLOG, Trending News
After PF Withdrawal, Is Your EPS Safe? Learn How to View Your EPS Pension Record Online
Many employees withdraw their Provident Fund (PF) amount after leaving a job, but a common question that arises is: what happens to the Employees’ Pension Scheme (EPS) money? While your PF and EPS are linked, they are not the same. Understanding how EPS works and how to check your pension status online is important for planning your future retirement.
What Happens to EPS After PF Withdrawal?
When you withdraw your PF, only your contribution and the employer’s contribution towards PF are credited to your account. The portion of the employer’s contribution that goes into EPS (usually 8.33% of your basic salary) is not paid directly to you unless certain conditions are met.
If you have worked for less than 10 years, you can apply for an EPS withdrawal by submitting Form 10C along with your PF withdrawal. In that case, your EPS amount will be paid out.
If your service is 10 years or more, then you are eligible for a pension after the age of 58, and the EPS amount is not paid as a lump sum. Instead, it remains with the EPFO until you claim your pension.
How to Check Your EPS Pension Record Online
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Visit the official EPFO Member Passbook portal: passbook.epfindia.gov.in
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Log in using your UAN and password
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Select your Member ID
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Check the Employer Share and Pension Contribution columns
These entries show the amount being deposited into your EPS account during your employment.
Final Thoughts
It is important to track your EPS contributions, especially if you are planning long-term financial goals. Always keep your UAN active and your employment history updated to avoid issues in future pension claims. If you don’t have your UAN or past PF details then visit the UAN retrieval page and click on Know Your UAN. Enter your Aadhaar-linked phone number. The EPFO will send the details via SMS.
by Jobuza Team | Jun 9, 2025 | BLOG, Trending News
ITR filing 2025: The process of filing Income Tax Returns (ITR) for the financial year 2024–25 has begun. For many salaried individuals, Form 16 is a key document. But what if you don’t receive Form 16 from your employer? Can you still file your ITR for 2025?
itr filing 2025: The answer is yes. You can file your Income Tax Return even if you do not have Form 16. There are alternative ways and supporting documents that can help you complete the process accurately. This guide explains how to do it with ease.
What is Form 16 and Why is it Important?
Form 16 is a TDS (Tax Deducted at Source) certificate issued by employers to their employees after the end of the financial year. It contains crucial details such as:
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Salary paid to the employee
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TDS deducted and deposited with the Income Tax Department
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Deductions under various sections like 80C, 80D, etc.
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PAN of the employee and employer
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Summary of tax liabilities and exemptions
It serves as proof that tax has already been deducted and helps in filing an accurate return. However, not having Form 16 does not prevent you from filing ITR.
Who Might Not Get Form 16?
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Freelancers or self-employed individuals
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Employees of startups or small businesses that don’t issue Form 16
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Individuals who have recently switched jobs and haven’t received Form 16 from one or more employers
How to File ITR 2025 Without Form 16
Here are the alternative ways and documents that can help you file your return smoothly:
1. Use Form 26AS
Form 26AS is a consolidated annual tax statement available on the Income Tax Department’s website. It shows:
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TDS deducted by all employers
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Advance tax or self-assessment tax paid
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Income from interest, dividends, or other sources
This form acts as a substitute for Form 16, as it reflects all your tax credit details.
2. Bank Statement and Salary Slips
Collect your bank statements and monthly salary slips for the financial year. These will help you:
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Calculate your total income
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Identify deductions like PF, professional tax, and insurance
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Record bonuses and variable pay components
Using this data, you can compute your total taxable income and file your ITR.
3. Investment and Deduction Certificates
To claim deductions under sections like 80C, 80D, and 24(b), gather all relevant proofs, such as:
These documents ensure that you get all eligible tax benefits even without Form 16.
4. Annual Information Statement (AIS)
AIS is a comprehensive statement available on the Income Tax portal. It includes:
Cross-check AIS with Form 26AS to ensure the correctness of your income details and tax deductions.
5. For Freelancers and Self-Employed Individuals
If you are a freelancer or run your own business, here’s what you need:
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Invoices and receipts from clients
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Bank account statements to track income
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Expense records such as rent, phone bills, internet, travel, and utilities
These will help you calculate net income and claim eligible business-related deductions under sections like 44ADA or 44AE.
Final Words
Filing your Income Tax Return in 2025 without Form 16 is completely possible. With access to alternative documents such as Form 26AS, salary slips, AIS, and investment proofs, you can file your return accurately and on time.
Make sure to double-check all figures and upload correct details on the Income Tax Portal to avoid errors or notices.
by Jobuza Team | Jun 6, 2025 | BLOG, Trending News
In today’s digital world, banking plays a crucial role in our everyday lives. With the widespread use of UPI, internet banking, and mobile apps, managing finances has become easier than ever. However, while having a bank account is essential, maintaining multiple bank accounts can sometimes do more harm than good.
Many people open two or more accounts for different purposes—salary deposits, savings, investments, or even just offers. But if you’re managing more than one account, you need to be aware of some major disadvantages. Let’s take a closer look at four key drawbacks of maintaining multiple bank accounts.
1. Funds Get Locked in Multiple Accounts
Each bank account typically requires a minimum balance to remain active. If you have several accounts, you’ll need to keep a portion of your money idle in each one just to meet these requirements. Over time, a significant amount of your funds may end up sitting unused across your accounts.
This money earns only a low interest rate of around 4–5% annually in savings accounts. In contrast, investing the same amount in other financial instruments like mutual funds, fixed deposits, or PPF could give you better returns. So, by spreading your money thinly across multiple bank accounts, you could be losing out on higher potential earnings.
2. Extra Maintenance Charges and Service Fees
Having more than one bank account also means dealing with multiple maintenance fees. Many banks charge an annual fee for services such as debit cards, internet banking, and SMS alerts. These charges may seem small individually but can add up quickly when applied to multiple accounts.
Additionally, you may also incur penalties if you fail to maintain the minimum balance in any of these accounts. Over time, these service costs can eat into your savings without offering much benefit in return.
3. Negative Impact on Your Credit Score
Keeping several bank accounts, especially inactive ones, can affect your credit score. If any of your accounts fall below the required minimum balance or remain inactive for long periods, it could be flagged during credit evaluations.
Banks and financial institutions consider poor account management as a negative sign, which may result in difficulty getting approved for loans, credit cards, or other financial services in the future.
4. Complications in Filing Income Tax
During tax season, having multiple bank accounts can create additional stress and paperwork. You are required to report income and transactions from all your accounts while filing your income tax return (ITR). The more accounts you have, the more statements and details you need to track and organize.
Failure to report any account, even unintentionally, can lead to scrutiny or questions from the Income Tax Department. This not only complicates the filing process but may also invite penalties or legal issues.
Salary Accounts Can Convert to Savings Accounts
One more thing to consider—if you change jobs, your salary account may stop receiving payments. After a few months of inactivity, your salary account automatically converts into a regular savings account, which follows different rules.
Unlike salary accounts, savings accounts require a minimum balance. If you fail to maintain it, the bank will begin deducting charges from your balance. This can catch many people by surprise, especially if the account is no longer actively used.
Final Thoughts
While there may be specific reasons to maintain more than one bank account, it’s important to understand the hidden costs and administrative burden it brings. From idle funds and lower returns to extra charges and tax complications, having multiple accounts can impact your financial health more than you might expect.
If you do need more than one account, make sure each one serves a clear purpose and is actively managed. Otherwise, it may be wise to consolidate and close unused accounts to streamline your finances.
Disclaimer: This article is based on information originally published by Hr Breaking, edited and rewritten for clarity and SEO optimization. All rights remain with the original source.
