SANTOSH M GOGOI 
In 2025, using credit cards has become more common than ever. People are choosing credit cards not only to spend easily but also to earn rewards, cashback, and discounts. However, most credit cards come with annual or joining fees, which many people want to avoid. That’s why “lifetime free credit cards” have become very popular. … Read more
Have you ever been in a situation where you needed urgent cash but didn’t have enough money in your bank account? While credit cards are great for making purchases, many people don’t know that you can also transfer money from your credit card to your bank account in times of need. This process can be … Read more
If you are a business owner who has been using an EDC (Electronic Data Capture) machine from Axis Bank to accept card payments, but now want to stop using it, then this article is for you. There could be many reasons to surrender the EDC machine – maybe your business model has changed, or you’ve … Read more
If you have a savings or current account with Axis Bank, your account may get debit, credit, or total freeze based on your transaction patterns. If you can not transfer your money through Google Pay, Phone Pay, or Axis open application, your account may freeze under Cosmos. You have to visit your nearest branch with … Read more
Retirement is a crucial phase in life that requires careful financial planning. A well-structured pension plan ensures a stress-free and financially secure post-retirement life. The SMART Pension Plan by LIC (Life Insurance Corporation of India) is designed to offer regular income and financial stability in your golden years. This article explores its key features, benefits, … Read more
Closing a personal loan is a crucial financial decision, and Axis Bank provides a structured process for loan foreclosure. If you have an ongoing personal loan with Axis Bank and want to foreclose it, this guide will help you navigate the process efficiently. Step 1: Visit the Nearest Axis Bank Branch To initiate the foreclosure … Read more
Cheque fraud has been a longstanding concern in the banking industry, leading to financial losses and operational risks. To address this issue, the Reserve Bank of India (RBI) introduced the Positive Pay System (PPS)—a crucial mechanism designed to enhance security and minimize fraud in high-value cheque transactions. Understanding the Positive Pay System The Positive Pay … Read more
Here is a sample AD Code Certificate Format with the IEC Code included: (To be printed on the bank’s letterhead) AD CODE CERTIFICATE Date: [DD/MM/YYYY] To,[Your Name / Business Name][Your Address][City, State, PIN Code] Subject: Issuance of AD Code Certificate for Export Transactions Dear Sir/Madam, This is to certify that our bank, [Bank Name], having … Read more