The procedures ordinary people actually need — what a rule means for the person subject to it, and the steps to act on it.
Government & LawStart here
The Code on Social Security defines you, registers you and sets up a fund for you. A year on, no scheme has been notified under section 114, no contribution rate has been fixed, and the only state collecting the money is having it held by a High Court. What is yours now, what is promised, and what the codes do not cover.
Answers inside
The customer liability framework changes on 1 January 2027, and the date on the transaction decides which rulebook applies to you. The reporting window moves to five calendar days, the burden of proof moves to the bank, and for the first time there is money for people who were tricked into paying.
The 15/26 divisor is written into the Code on Social Security, 2020. The ₹20 lakh ceiling is not, and still traces to a notification under the Act the Code repealed. The formula worked at real salaries, the rounding rule most calculators get wrong, and when gratuity can be forfeited.
The EPF Scheme, 1952 was superseded on 1 July 2026. Full withdrawal on resignation now needs twelve months out of covered employment, not two. What the new paragraphs 46, 47 and 49 say, how to read a passbook, how to chase a missing contribution, and where the pension and gratuity thresholds sit.
No offence, no case, no conviction, and still a magistrate can require you to sign a bond. What sections 126, 130, 135 and 136 of the BNSS actually say, why an interim bond is a different thing from a one-year bond, and what the chapter entitles you to at each step.
The labour codes push basic pay to half of your salary, so PF and gratuity take a bigger slice. Worked numbers on why a 5% raise can leave you with less each month, the PF policy question that decides it, and what to get in writing before you accept.
Investment scams, impersonation calls, fake job offers, lottery fees: every one of them runs on the same six-stage architecture. The psychology behind each stage, why it works on people who know about it, what the data shows globally and in India, and what to do when the money has already gone.
A lien on the disputed amount, not a blanket freeze. And a line buried on the government’s own cyber police portal that almost nobody with a frozen account has read: the cybercrime portal has no power to freeze or unfreeze anything.
Two of the country’s most consequential seats changed hands in the last eighteen months. The ordering here is our judgement; every office, date and figure attached to it is checked against a government, court or Forbes source.
Figures come from the organisation that published them — the regulator, the bank’s own rate card, the filing, the Act. Where a number could not be verified, the guide says so instead of estimating.
Worked examples are calculated, not illustrated, and every table states the assumptions behind it so you can redo the sum with your own numbers.
Each guide carries the date it was last checked rather than the date it first appeared, and corrections are published on the guide itself.
