News
Will UPI purchases become cheaper than using credit cards? Here’s what we know
Credit cards have an associated merchant discount rate (MDR) of 2-3 per cent that either erodes merchant margins or gets indirectly transferred to customers.

Mumbai:
India’s Unified Payments Interface (UPI) continues to cement its position as the backbone of the country’s digital payment infrastructure. In the second half of 2024, UPI transaction volumes soared to 93.23 billion, reflecting a 42% year-on-year (YoY) growth, according to data from the National Payments Corporation of India (NPCI).
Now, in a move aimed at increasing UPI adoption even further, the government is reportedly considering steps to make UPI usage cheaper than credit cards.
Consumer Affairs Ministry Exploring Price Incentives for UPI
As reported by Livemint, the Consumer Affairs Ministry is working on a mechanism that would allow the cost benefits of UPI to be passed on directly to consumers.
If implemented, this could mean automatic price advantages for UPI users. For example, consumers might pay ₹98 via UPI for a product that would cost ₹100 via credit card, giving a direct monetary incentive to choose UPI over card payments.
UPI Transaction Volumes Surge; Government Plans to Make UPI Cheaper Than Credit Cards
Mumbai:
India’s Unified Payments Interface (UPI) continues to cement its position as the backbone of the country’s digital payment infrastructure. In the second half of 2024, UPI transaction volumes soared to 93.23 billion, reflecting a 42% year-on-year (YoY) growth, according to data from the National Payments Corporation of India (NPCI).
Now, in a move aimed at increasing UPI adoption even further, the government is reportedly considering steps to make UPI usage cheaper than credit cards.
Consumer Affairs Ministry Exploring Price Incentives for UPI
As reported by Livemint, the Consumer Affairs Ministry is working on a mechanism that would allow the cost benefits of UPI to be passed on directly to consumers.
If implemented, this could mean automatic price advantages for UPI users. For example, consumers might pay ₹98 via UPI for a product that would cost ₹100 via credit card, giving a direct monetary incentive to choose UPI over card payments.
Why UPI is Cheaper Than Credit Cards
Credit cards typically involve a merchant discount rate (MDR) of 2–3%, a fee borne by the merchant but often indirectly passed on to consumers through higher pricing. UPI, on the other hand, does not carry any MDR, making it a cost-effective and transparent payment method.
According to Shams Tabrej, CEO of Ezeepay:
“If the customer is provided with a clear price benefit for using UPI—for instance, paying ₹98 instead of ₹100—it could influence daily purchasing behaviour and improve transparency in retail pricing. With UPI transaction speeds expected to double by June 2025, this policy could make UPI an even more preferred payment mode.”
Policy Goals and Timeline
The overarching goal of this move is to boost the adoption of UPI and promote digital financial inclusion. The Consumer Affairs Ministry is expected to hold stakeholder consultations in June 2025, following which a final blueprint of the policy could be developed.
This initiative underscores India’s continued efforts to evolve into a cash-light economy, while offering cost-effective solutions for both merchants and consumers.
News
Sarkari Naukri Craze in 2025: Why Indians Still Flock to Government Jobs

One of the biggest reasons is unmatched job security. While private companies are prone to layoffs and market shifts, government jobs offer long-term stability.
Work-Life Balance
Most government roles have fixed work hours, ensuring a healthier work-life balance — a big attraction for today’s generation.

Social Prestige
Being a government employee still commands high respect in society, especially in smaller towns and rural areas.
Perks and Benefits
From housing allowances and pension plans to medical facilities, the perks are extensive and attractive.

Latest Trends in Sarkari Naukri
- Digital Recruitment: Many exams and interviews have shifted online, making the process more transparent.
- Focus on Skill-Based Hiring: In addition to written exams, more departments are emphasizing skill tests and interviews.
- Diversity Push: Several states have increased reservations to promote inclusivity.

Top Government Exams to Watch in 2025
- UPSC Civil Services Exam: Still the most prestigious, with lakhs of aspirants every year.
- SSC CGL & CHSL: Popular for various clerical and administrative posts.
- IBPS PO & Clerk: Banking jobs continue to draw massive interest.
- Railway Recruitment Board (RRB): Offers a variety of technical and non-technical posts.
- State PSC Exams: Each state conducts its own exams for administrative services.

Challenges and Competition
The biggest challenge? Fierce competition. With lakhs of candidates applying for a handful of positions, preparation requires dedication and strategy.
Preparation Tips
- Start early and follow a disciplined schedule.
- Focus on mock tests and previous years’ papers.
- Stay updated with current affairs — a crucial component of almost all exams.
News
Top 10 Best Courses to Pursue After Class 12th in 2025

Choosing the right course after Class 12th is one of the most important decisions that shapes your career. With so many options available, it can be overwhelming for students and parents alike. This guide will help you explore the best courses you can pursue after 12th based on your interests and future goals.
Factors to Consider Before Choosing a Course
- Your interest and passion
- Career growth opportunities
- Course duration and costs
- Scope in India and abroad
- Future salary prospects

Top 10 Courses After Class 12th
Bachelor of Technology (B.Tech)
Ideal for students from a science background, B.Tech offers specialization in fields like Computer Science, Mechanical, Civil, Electronics, and more. Strong demand for engineers ensures good job prospects both in India and globally.

Bachelor of Science (B.Sc)
B.Sc is perfect for those interested in core sciences such as Physics, Chemistry, Biology, or Mathematics. It also opens doors to research, teaching, and further studies like M.Sc and Ph.D.
MBBS (Bachelor of Medicine & Surgery)
The go-to choice for students passionate about becoming doctors. While demanding, it leads to a highly respected and rewarding career in healthcare.

Bachelor of Business Administration (BBA)
A popular choice among commerce students, BBA builds a strong foundation in management and entrepreneurship, leading to opportunities in MBA programs and corporate careers.
Bachelor of Commerce (B.Com)
B.Com focuses on finance, accounting, and business laws. It’s a great stepping stone for careers in finance, banking, CA, and other professional certifications.
Chartered Accountancy (CA)
One of the most prestigious and challenging career options for commerce students. It offers lucrative roles in auditing, taxation, and financial management.
Bachelor of Arts (BA)
BA offers a wide range of subjects like Psychology, Economics, History, and Political Science. Ideal for those inclined towards humanities and social sciences.
Bachelor of Design (B.Des)
For creative minds interested in fashion, graphic, interior, or product design. The design industry is booming, offering diverse career paths.
Bachelor of Computer Applications (BCA)
Perfect for students aiming to build a career in IT and software development. Further opportunities include MCA or working in tech companies.
Integrated Law Programs (BA LLB / BBA LLB)
Combines undergraduate studies with legal education, leading to a career as a lawyer or legal advisor. Offers good scope in corporate law, litigation, and public service.
News
No Clarity Yet on Shefali Jariwala’s Cause of Death; Mumbai Police Deny Cardiac Arrest Confirmation

- Actress Shefali Jariwala, aged 42, was found unresponsive at her Andheri residence late Friday night.
- Her husband, Parag Tyagi, along with three others, rushed her to Bellevue Multispecialty Hospital, where she was declared dead upon arrival around 11:15 pm IST
Early Reports Pointed to Cardiac Arrest
- Multiple reputable outlets — including Times of India, Economic Times, and The Sun — initially reported that Jariwala suffered a cardiac arrest .
- However, these were early, unconfirmed mentions pending official verification.
Mumbai Police Statement on Cause of Death
- Mumbai Police confirmed the body was found at her Andheri residence at around 1 am.
- They said forensic experts and police are conducting a detailed investigation and that the post-mortem at Cooper Hospital indicates, “cause of death is not yet clear”
- Investigators have recorded statements from Tyagi and others; “nothing suspicious” has surfaced to date
What Mumbai Police Have Said So Far
- Body discovery: In Andheri apartment; police alerted at 1 am
- Forensic team involvement: Mobile forensic unit swept the residence; property was examined
- Post-mortem process: Body sent to Cooper Hospital; cause unknown until pathologist’s report
- Investigation status: Statements have been taken, no suspicious activity reported so far
Why Uncertainty Persists
- Initial media reports credited sudden cardiac arrest based on hospital assessment, but this remains unverified.
- Mumbai Police insist on awaiting pathology and forensic analysis before drawing conclusions.
- Investigative protocol requires ruling out other medical causes or foul play before declaring death due to cardiac failure.

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