by Jobuza Team | Jul 13, 2026 | BLOG, Trending News
With the July 31, 2026 deadline for filing Income Tax Returns (ITR) fast approaching, taxpayers are being advised not to wait until the last moment. Delaying your return can lead to penalties, delayed refunds, and the loss of several tax-related benefits.
To make the filing process easier, fintech platforms PhonePe and JioFinance have introduced affordable in-app tax filing services, allowing users to file their ITR from their smartphones without visiting multiple websites.
PhonePe and Jio Finance Launch Affordable ITR Filing Service
PhonePe and JioFinance have partnered with TaxBuddy, a registered e-Return Intermediary (ERI), to offer online income tax filing services directly through their mobile applications.
Users can choose between filing their returns themselves or taking assistance from tax experts, depending on their requirements.
One of the biggest highlights is that self-filing plans start at just ₹24, making tax filing more affordable for millions of taxpayers.
DIY and Expert-Assisted Filing Options Available
The platforms offer two convenient ways to file Income Tax Returns.
Self-Filing (DIY)
Taxpayers who are comfortable filing their own returns can use the DIY option. The app guides users through the filing process and automatically retrieves relevant tax information, making the process quick and simple.
Expert-Assisted Filing
Those who have more complex tax situations can choose expert assistance. Tax professionals help prepare and file the return, ensuring better accuracy and compliance.
Suitable for Salaried Employees and Other Taxpayers
The service is designed not only for salaried individuals but also for taxpayers with multiple income sources.
It supports returns involving:
- Salary income
- Business income
- Capital gains
- Futures and Options (F&O) trading
- Cryptocurrency transactions
- Foreign income
- Non-Resident Indian (NRI) tax filing
This makes it useful for both simple and complex tax profiles.
TaxBuddy Handles the Filing Process
Both PhonePe and JioFinance use TaxBuddy’s technology for tax filing.
Since TaxBuddy is a registered e-Return Intermediary with the Income Tax Department, users can complete the entire filing process securely without leaving the fintech app.
This eliminates the need to visit multiple websites or manually upload information.
Features Available on the JioFinance App
JioFinance offers several useful tools to simplify tax filing, including:
- Automatic retrieval of tax information from the Income Tax Department.
- Tax planning tools.
- Comparison of old and new tax regimes.
- Deduction estimation.
- Refund tracking.
- Secure processing of taxpayer data.
These features help users complete their returns with greater convenience and accuracy.
PhonePe Also Offers GST Compliance Services
Apart from Income Tax Return filing, PhonePe has also integrated GST-related services into its platform.
Users can:
- File Income Tax Returns.
- Manage monthly GST compliance.
- Choose between self-filing and expert-assisted tax filing.
This makes the platform useful for both salaried individuals and business owners.
ITR Filing Charges
The pricing varies depending on the complexity of the return.
- Self-filing plans start from ₹24.
- Salaried taxpayers can choose plans ranging from ₹24 to ₹499.
- Taxpayers with capital gains, F&O trading, or cryptocurrency income can avail plans starting from ₹99.
- Expert-assisted filing starts from ₹649.
- Advanced plans for NRIs and taxpayers with business income are available up to ₹2,924.
Users can select a plan based on their income sources and filing requirements.
Why You Should File Your ITR Before the Deadline
Waiting until the last few days can create unnecessary problems due to increased traffic on the Income Tax e-filing portal.
Filing your return early offers several benefits:
- Avoid late filing penalties.
- Receive tax refunds faster.
- Reduce the risk of technical issues.
- Get enough time to correct mistakes if required.
- Complete the process without last-minute stress.
Timely filing also helps maintain proper financial records for loans, visas, and other official purposes.
Conclusion
As the July 31, 2026 ITR filing deadline approaches, taxpayers should complete their returns without delay. With affordable tax filing services now available through PhonePe and JioFinance, filing an Income Tax Return has become quicker, easier, and more accessible.
Whether you are a salaried employee, investor, business owner, or NRI, you can choose a suitable filing plan based on your income profile and ensure your return is submitted well before the deadline.
by Jobuza Team | Jul 13, 2026 | BLOG, Trending News
If you’ve recently started receiving calls from numbers beginning with 1600 or 140, you may be wondering whether they are genuine or spam. To clear the confusion, the Telecom Regulatory Authority of India (TRAI) has explained the purpose of these two number series and how they should be handled.
According to TRAI, 1600-series and 140-series numbers serve completely different purposes. While one is reserved for important service-related communication, the other is meant only for promotional and marketing calls.
Here’s everything you need to know.
What Are 1600-Series Calls?
The 1600-series is reserved for service and transaction-related calls. These calls are generally made by banks, financial institutions, insurance companies, and government departments to communicate important information with existing customers or citizens.
Examples of 1600-series calls include:
- Banking transaction alerts
- Loan-related updates
- Insurance policy information
- Investment account notifications
- Government service communication
- Pension-related updates
These calls are intended to provide essential information rather than advertise products or services.
Who Can Use 1600-Series Numbers?
TRAI has restricted the use of 1600-series numbers to regulated organizations.
These include institutions supervised by:
- Reserve Bank of India (RBI)
- Securities and Exchange Board of India (SEBI)
- Insurance Regulatory and Development Authority of India (IRDAI)
- Pension Fund Regulatory and Development Authority (PFRDA)
Government departments are also permitted to use these numbers for official communication with citizens.
Can 1600-Series Calls Be Blocked?
No. According to TRAI, telecom operators and third-party caller identification applications are not allowed to tag, filter, or block 1600-series calls.
This means these calls should not appear with labels such as “Spam” or “Suspected Spam” simply because they originate from the 1600 series.
The reason is that these calls often carry important service-related information that customers should receive without interruption.
What Are 140-Series Calls?
The 140-series is used exclusively for promotional and marketing calls.
Businesses across different industries use these numbers to promote products, services, offers, discounts, and marketing campaigns.
Companies must register with their telecom service provider before making promotional calls through the 140 series, as required under TRAI’s Telecom Commercial Communications Customer Preference Regulations (TCCCPR).
Can You Block 140-Series Calls?
Yes. Unlike 1600-series calls, 140-series marketing calls are governed by the Do Not Disturb (DND) framework.
If you have activated DND or blocked promotional communication from specific sectors, you should not receive promotional calls from those categories.
Customers can register, modify, or update their DND preferences using the official TRAI DND platform or other approved channels provided by their telecom operator.
Key Differences Between 1600 and 140 Series Calls
| Feature |
1600 Series |
140 Series |
| Purpose |
Service and transaction-related communication |
Promotional and marketing calls |
| Used By |
Banks, financial institutions, government departments |
Registered businesses and advertisers |
| Nature of Calls |
Important customer updates |
Sales, offers, promotions and advertisements |
| Covered Under DND |
No |
Yes |
| Can Telecom Operators Tag as Spam? |
No |
Generally not, except where DND blocking applies |
| Can Customers Block Them Through DND? |
No |
Yes |
Why Has TRAI Introduced These Number Series?
The dedicated numbering system helps customers easily identify the purpose of incoming calls.
When users know whether a call is related to an important service or a promotional campaign, they can make better decisions about answering or ignoring it.
The move also aims to improve transparency and reduce confusion caused by unwanted commercial calls.
How to Reduce Unwanted Promotional Calls
If you want to receive fewer marketing calls, you can:
- Activate the Do Not Disturb (DND) service.
- Update your communication preferences with your telecom operator.
- Report unsolicited commercial communications that violate DND rules.
- Avoid sharing your mobile number on untrusted websites and apps.
These steps can significantly reduce unwanted promotional calls while ensuring you continue receiving important service-related communications.
Conclusion
The 1600 and 140 number series serve different purposes under TRAI’s regulations. 1600-series calls are meant for important service and transaction-related communication from regulated financial institutions and government departments, while 140-series calls are used only for promotional and marketing purposes.
Understanding the difference can help you identify genuine service calls, manage promotional communication more effectively, and make better use of the DND facility to reduce unwanted marketing calls.
by Jobuza Team | Jul 13, 2026 | BLOG, Trending News
by Jobuza Team | Jul 9, 2026 | BLOG, Trending News
Train Ticket: Indian Railways has introduced a new reservation facility that makes last-minute train travel much easier. Under the revised booking rules, passengers can now book confirmed tickets for vacant seats in select reserved trains even after the reservation chart has been prepared.
The new system allows travellers to reserve available seats up to 15 minutes before the train’s scheduled departure, provided seats remain vacant after the final reservation chart is released. The initiative aims to improve seat utilisation while offering greater convenience to passengers who need to travel at short notice.
What Is the New Indian Railways Rule?
Earlier, once the reservation chart was prepared, passengers could no longer book confirmed tickets for that train, even if several seats remained vacant.
Under the new rule, Indian Railways will continue accepting bookings for available seats after chart preparation. Passengers can reserve these vacant seats until 15 minutes before the train leaves the station, subject to seat availability.
This move is expected to reduce the number of empty seats and provide more confirmed tickets to passengers travelling at the last minute.
Who Can Benefit from This Facility?
The new booking system is especially helpful for people who need to travel unexpectedly.
It can be useful in situations such as:
- Medical emergencies
- Business trips
- Family emergencies
- Urgent personal travel
- Last-minute travel planning
Instead of depending only on Tatkal bookings or waiting list tickets, passengers now have another opportunity to secure a confirmed seat before departure.
How to Book a Confirmed Ticket Before Departure
Passengers can book available seats through any of the following official channels:
IRCTC Website
Visit the official IRCTC website, check seat availability, and complete the booking if vacant seats are available after chart preparation.
IRCTC Rail Connect App
The IRCTC Rail Connect mobile application also allows passengers to check real-time seat availability and book confirmed tickets.
PRS Reservation Counters
Passengers who prefer offline booking can visit any Passenger Reservation System (PRS) counter to book available seats before departure.
Is the Facility Available for Every Train?
No. The facility is available only for select reserved trains where seats remain vacant even after the reservation chart has been prepared.
If all seats are already occupied, passengers will not be able to book tickets under this provision.
Will This Apply to Vande Bharat Express?
According to railway officials, the revised booking facility is also expected to improve seat occupancy in premium trains, including Vande Bharat Express, wherever vacant reserved seats remain available after chart preparation.
This increases the chances of getting a confirmed ticket even close to the departure time.
Things to Remember Before Booking
Passengers should keep the following points in mind:
- Booking is allowed only if seats remain vacant after chart preparation.
- Tickets can be booked up to 15 minutes before the scheduled departure of the train.
- Real-time seat availability can be checked on the official IRCTC website, Rail Connect app, or PRS counters.
- The facility is available only for eligible reserved trains.
Why This New Rule Is Important
The revised reservation system benefits both passengers and Indian Railways.
Passengers get another opportunity to obtain confirmed tickets during emergencies, while Indian Railways can improve seat occupancy by filling seats that would otherwise remain vacant after chart preparation.
The new facility also reduces the chances of empty reserved seats travelling unused despite high demand.
Conclusion
Train Ticket: The latest Indian Railways reservation rule offers greater flexibility for passengers who need to travel at the last minute. By allowing confirmed ticket bookings up to 15 minutes before departure for vacant seats, the railway aims to make train travel more convenient and efficient.
If you’re planning an urgent journey, don’t forget to check the official IRCTC website, Rail Connect app, or your nearest PRS counter to see if confirmed seats are still available before your train departs.
by Jobuza Team | Jul 9, 2026 | BLOG, Trending News
Indian Railways Travel Rules: Indian Railways is one of the largest railway networks in the world, serving millions of passengers every day. Whether you’re travelling for work, education, or a family vacation, knowing the basic railway rules can help you avoid unnecessary inconvenience during your journey.
Many passengers are unaware of important rules related to tickets, boarding stations, luggage limits, refunds, and passenger rights. Understanding these guidelines before your trip can save both time and money.
Here are seven important Indian Railways rules that every passenger should know before boarding a train.
1. Always Travel with a Valid Ticket
Every passenger must carry a valid train ticket while travelling. If you are travelling without a confirmed ticket or a valid travel authority, you may be charged a penalty by the Ticket Examiner (TTE).
To avoid fines and inconvenience, always book your ticket through authorized railway booking platforms or ticket counters before starting your journey.
2. Carry a Valid Identity Proof
Passengers travelling on reserved tickets should carry a valid government-issued identity proof throughout the journey.
Documents such as an Aadhaar Card, PAN Card, Passport, Voter ID, Driving Licence, or any other approved ID may be requested during ticket verification.
If multiple passengers are travelling on a single PNR, at least one passenger should carry valid identification.
3. You Can Change Your Boarding Station
If your travel plans change after booking your ticket, Indian Railways allows passengers to change their boarding station within the prescribed time limit before the train departs.
This facility is useful when you need to board the train from a different station due to unexpected changes in your travel schedule.
However, passengers should update their boarding station through the official process before the deadline.
4. Cancel Your Ticket Early to Get a Better Refund
If you no longer plan to travel, cancelling your ticket as early as possible can help you receive a higher refund.
The refund amount depends on how much time remains before the train’s scheduled departure. Last-minute cancellations usually attract higher cancellation charges, and in some cases, no refund may be available.
Therefore, if your journey is cancelled, it is always better to cancel your ticket without delay.
5. Follow Indian Railways Luggage Rules
Indian Railways allows passengers to carry luggage within the prescribed free baggage limit based on their travel class.
If your luggage exceeds the permitted limit, additional charges may apply. Carrying excessive luggage without proper booking may also lead to penalties.
Before travelling, check the luggage allowance applicable to your class to avoid any unexpected charges.
6. Class Upgrade May Be Available
Passengers may get an opportunity to travel in a higher class if seats are available.
Indian Railways occasionally upgrades passengers automatically or allows upgrades according to its rules and seat availability. This gives eligible passengers the chance to enjoy a more comfortable journey without going through a fresh booking process.
7. Know Your Rights During the Journey
Passengers have the right to seek assistance whenever required during their journey.
If you face any problem related to safety, ticket issues, cleanliness, or onboard services, you can contact the Train Ticket Examiner (TTE), Railway Protection Force (RPF), or railway staff for immediate assistance.
You can also register complaints through Rail Madad or use official railway helpline services to report issues during your journey.
Why Knowing Railway Rules Is Important
Being aware of Indian Railways’ rules can make your journey more comfortable and stress-free.
Whether it’s changing your boarding station, carrying valid identification, understanding luggage limits, or claiming ticket refunds, knowing these rules helps you avoid unnecessary penalties and last-minute confusion.
A little awareness before your journey can save time, reduce stress, and ensure a smoother travel experience.
Conclusion
Indian Railways Travel Rules: Travelling by train becomes much easier when you know your rights and responsibilities as a passenger. Before your next journey, make sure you carry a valid ticket and ID proof, understand the luggage and refund rules, and stay informed about facilities like boarding station changes and class upgrades.
Following these simple Indian Railways guidelines will help you enjoy a safe, hassle-free, and comfortable journey.
by Jobuza Team | Jul 7, 2026 | BLOG, Trending News
India has achieved its E20 fuel target ahead of schedule, marking a major step towards cleaner and more sustainable transportation. While this move supports the country’s efforts to reduce fuel imports and emissions, many owners of older petrol cars are worried about whether E20 petrol could affect their vehicle’s engine.
If your car was manufactured before April 2023, you may be wondering whether E20 petrol is safe to use and what steps you can take to avoid long-term damage. The good news is that you can reduce the risks by following a few simple maintenance practices and making a few upgrades where necessary.
Does E20 Petrol Damage Every Vehicle?
The answer is no. E20 petrol is not harmful to every vehicle.
Most petrol cars manufactured in India after April 2023 are designed and tested to run on E20 fuel without any major issues. These vehicles have fuel systems, engine components, and software calibrated to handle a higher ethanol blend.
The concern mainly applies to older petrol vehicles that were originally designed for E10 fuel or regular petrol. These vehicles may experience faster wear of certain components if they are used continuously with E20 petrol without proper maintenance.
Why Can E20 Petrol Affect Older Cars?
E20 petrol contains 20% ethanol and 80% petrol. Ethanol behaves differently from conventional petrol, which is why older fuel systems may face additional stress.
One of the biggest concerns is that ethanol absorbs moisture from the atmosphere. Over time, this moisture can lead to corrosion inside metal fuel tanks and fuel system components.
Ethanol can also affect older rubber seals, hoses, and plastic fuel lines. Continuous exposure may cause these parts to harden, crack, or deteriorate, eventually leading to fuel leaks or reduced engine performance.
Another factor is fuel efficiency. Ethanol contains less energy than petrol, so vehicles running on E20 may deliver slightly lower mileage. Older engines that were not designed for ethanol blends may experience a more noticeable drop in fuel economy.
How to Protect Your Older Car from E20 Petrol
Although older vehicles require extra care, you can significantly reduce the impact of E20 petrol by following these expert-recommended tips.
Use a Quality Fuel Additive
One of the easiest ways to improve fuel stability is by using a reliable fuel additive designed for ethanol-blended petrol.
Products such as Sea Foam, Sta-Bil, or Abro Fuel Treatment help reduce moisture-related problems, improve fuel stability, and keep the fuel system cleaner. Regular use can provide additional protection for older engines.
Replace Old Fuel Lines
Rubber fuel lines in older vehicles are more vulnerable to ethanol damage.
Replacing them with ethanol-resistant PTFE or braided steel fuel lines can improve durability and reduce the chances of cracks or leaks. Depending on the vehicle, this upgrade usually costs between Rs 2,500 and Rs 5,000.
Upgrade Rubber Seals and Gaskets
Older rubber seals and gaskets can wear out faster when exposed to higher ethanol content.
Replacing these components with modern ethanol-resistant materials such as Viton O-rings and upgraded gaskets can help prevent leaks and improve the overall reliability of the fuel system.
Protect the Fuel Tank
Because ethanol attracts moisture, metal fuel tanks are at greater risk of rust and corrosion over time.
Applying a protective coating such as phenol novolac epoxy or advanced urethane inside the fuel tank creates a barrier against moisture and helps extend the life of the tank.
Check for ECU Updates
E20 fuel requires a slightly different air-fuel mixture compared to regular petrol.
Visit your vehicle’s authorised service centre to check whether an updated ECU calibration is available for your model. If no official update exists, some workshops offer piggyback ECU tuning to improve compatibility with ethanol-blended fuel. The cost generally ranges from Rs 7,000 to Rs 10,000.
Additional Tips for E20 Fuel Users
Apart from upgrades, following good maintenance habits can also help protect your vehicle.
- Service your car at the recommended intervals.
- Replace the fuel filter regularly.
- Avoid leaving the fuel tank nearly empty for long periods, as moisture can accumulate more easily.
- Start and drive the vehicle regularly instead of letting it remain unused for weeks.
- Watch for signs such as poor mileage, difficult starting, rough idling, or reduced engine performance, and get the vehicle inspected if these symptoms appear.
Should You Be Worried About E20 Petrol?
There is no need to panic if you own an older petrol car. E20 petrol does not immediately damage engines, but long-term use without proper maintenance may increase wear on certain fuel system components.
By replacing ageing parts, using ethanol-compatible components, and following regular servicing schedules, most older petrol vehicles can continue to operate safely and reliably with E20 fuel.
Conclusion
India’s shift towards E20 petrol is an important milestone in promoting cleaner fuels, but owners of older petrol vehicles should take a few extra precautions. Simple upgrades like ethanol-resistant fuel lines, better seals, protective fuel tank coatings, and regular maintenance can significantly reduce the impact of E20 petrol.
With proper care and timely servicing, you can continue driving your older car confidently while adapting to India’s growing use of ethanol-blended fuel.
