UPI Upgrade: Key NPCI Changes to Enhance Your Payment Experience

by Jobuza Team | Jun 20, 2025 | BLOG, Trending News

UPI Just Got Faster: NPCI Rolls Out Key Changes to Boost Payment Experience

UPI Upgrade: Unified Payments Interface (UPI) users can now enjoy a smoother, faster, and more efficient payment experience, thanks to a series of upgrades announced by the National Payments Corporation of India (NPCI).

What’s New in UPI?

To enhance the user experience on India’s most widely used digital payment system, NPCI has rolled out several updates aimed at improving speed and reducing friction during transactions. Here’s what has changed:

1. Faster Transaction Reversals

One of the major updates is the speed of reversals. Earlier, users often had to wait up to 30 seconds—or more—to see if a failed transaction had resulted in a debit or not. Now, this waiting time has been cut drastically. With the latest change, reversals will be processed in just 10 to 15 seconds, ensuring quicker clarity for users.

2. New Limit on Balance Checks

Another key update is the introduction of a daily cap of 50 balance checks per user via UPI. Previously, there was no limit. This move is aimed at reducing unnecessary load on the UPI network, improving system efficiency, and maintaining seamless service for all users.

3. Quicker Transaction Status Updates

The time taken to load the status of a transaction or retry a failed payment has been reduced. This means users can now instantly check if their payment went through or needs to be retried—saving valuable time and reducing confusion during high-traffic usage periods.

Where Will These Changes Apply?

These UPI enhancements are not limited to any single app. The new features and optimizations are live across all major UPI platforms, including PhonePe, Google Pay, Paytm, and other apps that support UPI-based transactions.

What Is UPI?

UPI Upgrade: UPI is a real-time digital payment interface developed by NPCI that allows users to link multiple bank accounts and make seamless transfers via mobile phones. It is widely adopted across India and supports both peer-to-peer and merchant payments.

Previous Update: UPI Lite Boost

Earlier this month, on June 8, NPCI had also upgraded UPI Lite—a simplified version of UPI for low-value transactions. With this change:

• Users can now make payments up to ₹1,000 without entering a UPI PIN.

• The UPI Lite balance limit has been raised to ₹5,000, allowing for more frequent, hassle-free transactions.

These updates are part of NPCI’s ongoing efforts to improve the robustness, reliability, and user satisfaction of the UPI ecosystem.

How to File ITR Without a CA: Simple Guide for Salaried Individuals

by Jobuza Team | Jun 20, 2025 | BLOG, Trending News

How to File Your ITR Without a CA: Step-by-Step Guide for Salaried Individuals

Is it necessary to visit a chartered accountant (CA) every time you need to file your income tax return (ITR)? The simple answer is no—not if your income sources are straightforward.

If you’re a salaried employee with income limited to your salary, bank interest, rental income, or a few basic investments, you can file your ITR on your own—without hiring a professional.

Thanks to the government’s digital push, the ITR filing process is now more streamlined, transparent, and user-friendly than ever before. You can easily file your return online through the official e-filing portal: incometax.gov.in.

Can You File ITR Without a CA?

According to tax expert Deepesh Chheda, Partner at Dhruva Advisors, the answer is yes. Individuals with a simple income structure—such as salary, house property income, or interest from savings—can easily file their returns without any professional help.

One of the biggest changes in recent years is the introduction of pre-filled ITR forms. These forms automatically fill in your salary details, tax deducted at source (TDS), bank interest, and other relevant financial data. This significantly reduces the need for manual entry and lowers the risk of errors.

Unless your income involves complexities like capital gains, foreign income, or business earnings, you can confidently file your ITR by yourself.

Documents Required to File ITR

Before you begin, gather the following documents:

• PAN Card and Aadhaar Card (ensure they are linked)

• Form 16 (issued by your employer)

• Form 26AS, Annual Information Statement (AIS), and Taxpayer Information Summary (TIS) – for details on tax already deposited and financial transactions

• Bank account details (for refund processing)

• Proof of tax-saving investments – like PPF, ELSS, LIC, health insurance, or donation receipts

• Home loan interest certificate (if applicable)

Step-by-Step Guide to File ITR Without a CA

Follow these steps to file your return online:

1. Log in to incometax.gov.in using your PAN as the user ID.

2. Go to e-File > Income Tax Return > File Income Tax Return.

3. Select the assessment year 2025–26 and choose the online mode.

4. Select the correct ITR form (for salaried individuals, usually ITR-1 Sahaj).

5. Review the pre-filled data carefully. Add any extra income or deductions if applicable.

6. Check your tax calculation. If tax is payable, complete the payment under Self-Assessment Tax.

7. Validate the form, accept the declaration, and submit your return.

8. e-Verify your return using Aadhaar OTP, net banking, or other available options.

Important: If you do not complete the e-Verification step, your ITR will be treated as incomplete.

Key ITR Filing Deadlines and Updates

• Last date to file ITR for Assessment Year 2025–26: September 15, 2025

• This deadline applies to individuals whose accounts do not require auditing.

What’s New in 2025?

• If you’re claiming deductions under Sections 80C or 80D, you must provide valid proof.

• The Income Tax Department is increasing transparency and scrutiny—accurate data matters more than ever.

Also read: [New income tax rules 2025: Your ITR may face mandatory review in these 5 cases]

Do You Always Need a CA?

Not anymore. Filing ITR is no longer a complex task. For most salaried individuals, especially those without complicated financials, the process is simple and digital.

As Deepesh Chheda notes, “With the government’s strong focus on data integration and pre-filled returns, most salaried taxpayers can now manage their tax filing independently.”

However, if you earn from the stock market, run a business, or hold foreign assets, it’s wise to consult a CA to avoid any legal or financial issues.

Final Thoughts

Filing your income tax return yourself is now not just possible—it’s practical. If your income profile is simple, you don’t need to depend on anyone. Just gather the right documents, follow the online steps, and file your return from the comfort of your home.

Self-filing your ITR isn’t just a way to save money—it’s a valuable digital life skill. Take control this tax season, and experience how easy it is to be self-reliant.

Ayushman Bharat: Check Your Eligibility Online for Free Healthcare Benefits

by Jobuza Team | Jun 20, 2025 | BLOG, Trending News

Ayushman Bharat Yojana: Check Eligibility Online for Free Healthcare Benefits

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is one of the most impactful health schemes launched by the Government of India. Designed under the recommendations of the National Health Policy 2017, this initiative moves the country closer to achieving Universal Health Coverage (UHC) and supports the Sustainable Development Goals (SDGs) with the motto: “Leave no one behind.”

What is Ayushman Bharat PM-JAY?

This scheme offers health coverage of up to ₹5 lakh per year per eligible family on a floater basis. It includes primary, secondary, and tertiary healthcare services. Ayushman Bharat was earlier known as the National Health Protection Scheme (AB-NHPS) and now functions as part of the National Health Protection Mission (NHPM).

The scheme benefits nearly 40% of India’s population, focusing on poor and vulnerable households across the country.

Key Features and Benefits of Ayushman Bharat Yojana

• ₹5 lakh annual health cover per eligible family for inpatient care.

• Covers government and empanelled private hospitals across India.

• Applicable for primary, secondary, and tertiary treatments, including surgeries and advanced procedures.

• No age limit or family size restrictions for beneficiaries.

• Based on SECC 2011 data for rural and urban poor families.

• Senior citizens aged 70+ are automatically eligible, irrespective of income.

• Covers all pre-existing illnesses from day one.

• Daycare procedures and 15-day post-hospitalisation expenses are also included.

• Zero out-of-pocket expenses for hospitalisation.

• Fully cashless and paperless at the point of service.

How to Check Your Ayushman Bharat Eligibility Online

You can easily verify if you are eligible for the scheme using the official portal. Follow these steps:

1. Visit the official website: www.pmjay.gov.in

2. Click on the “Am I Eligible” option on the top-right corner.

3. Choose “Beneficiary” to proceed.

4. Enter your mobile number and captcha code, then click on “Verify”.

5. Enter the OTP sent to your mobile and click “Login”.

6. Select your state, and fill in the necessary details from the drop-down menu.

7. If eligible, your name and details will appear on the screen confirming your inclusion under the scheme.

Documents Required to Check Eligibility

To check or confirm your eligibility for Ayushman Bharat PM-JAY, keep the following documents ready:

• Aadhaar Card (for identity verification)

• Ration Card

• Income Certificate

• Address Proof (Voter ID, utility bill, or passport)

• PM/CM Entitlement Letter (if applicable)

• Any other document as required by the state authority

Final Thoughts

Ayushman Bharat PM-JAY is a transformative healthcare scheme that ensures financial protection and accessible medical care for millions of Indian families. If you or someone in your household meets the eligibility criteria, checking your status and accessing these benefits is simple and free.

Stay informed, verify your eligibility, and make the most of this government-backed health coverage.

WhatsApp Users Alert: Chatting and Calling Features Updated

by Jobuza Team | Jun 20, 2025 | BLOG, Trending News

WhatsApp to Launch Built-in Document Scanner for Android Users Soon

WhatsApp Users Alert: WhatsApp is set to enhance the user experience with a new document scanning feature. After testing it on iOS, the company is now preparing to roll it out for Android users. This update will allow users to scan and send documents directly within the app, eliminating the need for third-party scanner apps or external tools.

What’s New in the WhatsApp Document Scanner Feature?

The feature was first introduced last year in WhatsApp Beta for iOS version 24.25.89. It enabled iPhone users to scan documents using the WhatsApp camera and instantly share them in chats or groups. Now, Android users will receive the same functionality in the coming updates.

According to a report by WABetaInfo, this feature was spotted in WhatsApp Beta for Android version 2.25.18.29. A screenshot shared by WABetaInfo on X (formerly Twitter) shows that users will be able to access the ‘Scan Document’ option directly within the document sharing section of WhatsApp.

Two Modes for Scanning: Manual and Automatic

Once the camera is activated for document scanning, users will be able to choose between manual and automatic modes:

• Manual Mode allows users to adjust the document’s framing manually for a clearer scan.

• Automatic Mode uses smart detection to automatically identify the document’s edges and capture the best possible image.

WhatsApp Users Alert: After scanning, WhatsApp will convert the image into a PDF file, ready to be shared instantly within the app. This not only saves time but also improves workflow efficiency for users who frequently share documents.

Rollout Status

As of now, this document scanner feature is still under development. It is expected to be rolled out globally after completing the beta testing phase.

Stay tuned for official updates once the stable version is released on the Google Play Store.