Vande Bharat Train: The popularity of Vande Bharat trains is increasing day by day, the biggest reason for this is the modern facilities provided to the passengers. Although its fare is a little higher than normal trains, there are many things like comfortable seats, better food, modern passenger coaches, which make it special from other trains. Especially this train takes the passengers to their destination in less time. Meanwhile, Thiruvananthapuram-Mangaluru Vande Bharat Express has created a new record in terms of earnings and passengers.

At the forefront in terms of earnings

According to railway data, Thiruvananthapuram-Mangaluru Vande Bharat Express earned about Rs 73.35 lakh between August and October 2025. It also became the highest earning service among the Vande Bharat trains running under Southern Railway in South India. This train connects many cities, academic centres, tourist places of Kerala and Karnataka. This is the reason why this train has made a record in booking figures also.

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This train became the first choice of passengers

• Not only the earning, but the number of passengers on this route has also increased.
• According to the report, 11,896 bookings have been made in this train.
• This number is higher than other Vande Bharat trains.

Now passengers will get special facilities

• Keeping in mind the convenience of passengers, Southern Railway started a special booking system.
• Now passengers can book available seats up to 15 minutes before the departure of the train from originating and intermediate stations.

Tremendous earnings from Vande Bharat

• During the financial year 2025-26, about 77.38 lakh passengers traveled in Vande Bharat of Southern Railway.
• An earning of Rs 803.86 crore was made from this.
• Earlier in the financial year, 54.12 passengers had traveled.
• Due to which an earning of Rs 540.65 crore was recorded.

How much did you earn this year?

• During April-May 2026 alone, 15.21 lakh passengers traveled in the Vande Bharat train of Southern Railway.
• An earning of approximately Rs 162.96 crore was recorded from this.
• Bookings are still being done at a rapid pace.

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Can the number of passengers increase further?

Seeing the popularity of Vande Bharat and the new seat booking facility of Railways, now passengers can book tickets even at the last moment. In such a situation, it is believed that in the coming time, bookings and earnings may increase in both directions.

Train Ticket Rules: Often, passengers traveling by train make some mistakes which can cost them dearly later. Many people set out to travel on someone else’s ticket, thinking that TTE will not come to know about it. But do you know whether it is right to travel on another person’s ticket or not? Will you not get into any trouble if you do this?

It will be expensive to travel on another passenger’s ticket

• If you travel on any other ticket then Railways can confiscate your ticket.
• Along with this, TTE can charge an extra Rs 500 along with the fare.
• If a passenger refuses to pay the fine, legal action can be taken against him.
• Also, the matter can go to the Railway Court and he can also be jailed.

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Railways made rules strict

According to the notification issued by the Railway Ministry, the new rules have come into effect from June 20. According to the new rules, if caught traveling without a ticket, double the fine will be imposed. Also, if a passenger is caught reusing an already used ticket, then action will be taken against him and double the fine will be imposed. Earlier, a fine of Rs 250 was charged in these cases, which has now been increased.

Railways gave advice to passengers

Railway officials have appealed to the passengers to travel only with tickets and follow all the rules of the Railways. Also, traveling on someone else’s ticket is a violation of railway rules. If you do this, legal action may be taken against you. By following the rules, you will not only avoid fines and action, but your journey will also remain safe.

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Consumer Alert: Whenever you go shopping in a mall or any store, you must have seen that buy one get one free offer is running at many places. Seeing this, the customer becomes more excited to buy the goods, but imagine if you buy the goods thinking that by buying one you will get one free, but later the shopkeeper refuses to give you the free goods, then it is obvious that the customer will get angry with this. A similar case has come to light related to Lenskart, here a customer did not get the full benefit of the offer, after which the matter reached the Consumer Commission.

What is the whole matter?

According to the information, on March 15, 2025, a customer had purchased goods worth Rs 3,000 from Lenskart’s store in Nellore. At that time, there was a buy one get one free offer, under which one was supposed to get one item free. But when he took the goods, he was given only one item.

When the customer asked about this, the store called it a technical error and also said that another item would be delivered later. Even after this, the customer asked several times about another item, yet neither was he given another product nor did he get the full money back.

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The company returned only Rs 1500

The customer made several trips to the store, which wasted a lot of his time and also caused him mental distress. After which the company returned Rs 1500 to the customer and did not return the remaining money.

Commission imposed fine on Lenskart

Nellore District Consumer Disputes Redressal Commission ordered Lenskart to pay a total of Rs 20,000 to the customer. The Commission directed Lenskart to refund the remaining Rs 1500 to the customer along with 9 percent annual interest from March 15, 2025. The Commission asked to pay Rs 15,000 for the mental distress caused to the customer and Rs 5,000 as legal expenses and also ordered the store to make the payment within 45 days.

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ATM Users Alert: Today, many tasks related to banking have become easier than before. Earlier people had to visit banks for any small or big work. A lot of his time used to be wasted in this, but now things have changed a lot. Has it happened to you that you have gone to withdraw money from the ATM and your money gets deducted from the bank, but the cash is not withdrawn from the ATM, then it is obvious that anyone would get worried in such a situation. Many people feel that their money is stuck. But instead of panicking in such a situation, you should take right steps in time.

In such a situation it is necessary to do

• If money is not withdrawn from ATM then some things should be kept in mind.
• First of all, do not do repeat transactions.
• Check how much money is there in the bank account.
• This will let you know whether money has been deducted from your bank or not.
• If money has been debited from the account, then keep all the information related to the transaction with you.
• This includes the amount to be withdrawn, location of ATM, time of transaction.
• This information will be useful to you when you lodge a complaint.

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Inform the bank without wasting time

If the money is deducted and does not come out of the ATM machine, then contact the bank without wasting time. As soon as the complaint is lodged, a complaint number will be given by the bank. Keep this number safe with you, it is necessary to know the status of the complaint and take further action.

After receiving the complaint, the bank checks the ATM records and transaction logs. In this entire process it is ascertained whether money has been withdrawn from the ATM or not. If upon investigation it is found that money has been deducted from the bank account, but the money was not withdrawn from the ATM machine, then the money is deposited in the customer’s account.

It takes time to get refund

After complaining to the bank, in many cases the amount is returned to the bank account as soon as the investigation is completed. But if the refund is not received within the stipulated time, then the customer should contact the bank again and get all the information related to the refund.

The bank will have to pay fine

According to RBI rules, if money is not withdrawn from the ATM and is deducted from the account, then the bank has to return the customer’s amount after completing the investigation. But if the bank does not return the money within 5 working days, then the customer is entitled to compensation.

In such cases, the bank may have to pay a fine of Rs 100 per day to the customer. But keep in mind that the bank will give compensation to the customer only if the customer has lodged a complaint and has the reference number of the complaint.

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If there is no solution, complain here

• If the bank does not take any action even after complaining, then the customer can take some necessary steps.
• The customer can take recourse to the complaint redressal system of the bank.
• One can also complain under the Integrated Ombudsman Scheme of RBI.

Pay attention to some important things

If such an incident happens to you too, then first of all you should not panic. In such a case, the bank has to be informed immediately. In many cases the money is returned. If you give information to the bank in time, the chances of getting the money become greater.

Personal Loan: Personal loan is often said to be a quick and easy process. In many advertisements it is said that approval will be given immediately, money will be credited to the account within a few hours and very few documents will be required. It is actually a little easier than a home loan or business loan. Often people understand that “immediately” means that they will not need to submit any documents. Due to this misunderstanding, many times people apply for loan without preparing the documents, which later delays the process.

The truth is that most people already have the necessary documents, it is just important to keep them ready in advance so that there is no problem in taking the loan.

It is necessary to prove identity

Before giving a loan, the bank or company definitely checks who you are. Meaning whether your identity is correct or not. This step is very easy for most people because for this documents like Aadhaar, PAN, Passport, Voter ID or Driving License are required. Among these, PAN card is a little more important because through this your credit history is seen. That is, whether you have repaid the loan or credit you had taken earlier properly or not. Therefore, PAN card is asked early in the loan process.

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You will have to prove where you live.

You have to prove where you live. If you have recently changed residence, you should update the correct and new address in all your documents before applying for the loan. With this, there will be no problem in taking loan. Many times loan companies accept Aadhaar as both identity and address proof. In some cases, documents like passport, voter ID, electricity or water bill and rent agreement are also asked.

Your income is most important for loan

Loan lenders first look at your income. Because they have to understand whether you will be able to repay the money on time or not. If you are employed, the bank may ask you for salary slip, bank statement and sometimes even Form 16. This does not just mean seeing your salary but also seeing whether your earnings are coming at the right time every month or not. People whose earnings are fixed and regular every month are considered more reliable. However, it may be a little difficult for those whose income is sometimes high and sometimes low.

There is a separate process for self-employed people

If you are self-employed or run a business, the loan process is a little different for you. Since you do not have a salary slip, banks look at ITR, GST returns, bank statements and business-related records to understand your earnings. This does not mean that it is difficult for you to get a loan. Just your documents and financial records should be correct and clean. If your income and papers are in order then it becomes easy to get a loan.

Why are bank statements asked for?

Bank statement shows your complete financial position. It clearly shows when your salary comes, whether you already have a loan or not, how much you spend and how you transact money. The statement is asked to understand how well you manage your money and whether you will be able to easily shoulder the responsibility of the new loan or not.

It is important to keep your credit score correct

Your credit history is checked before giving loan. If you have previously repaid your loan or credit card on time, your record is considered good. This increases the chances of getting a loan and sometimes lower interest rates can also be available. For this reason, it is good to check your credit report before applying for a personal loan. With this you can avoid future problems.

Loan process will be faster with correct documents

Personal loans are often taken at urgent times such as medical emergency, wedding, household work or need of money. At such a time, if you keep all the documents ready in advance then there is no delay in the process. If documents like PAN card, Aadhaar, salary slip and bank statement are prepared in advance, the loan gets approved quickly and the entire process becomes easier. This saves your time and you get the loan quickly.

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Indian Railways Rule: It is not for nothing that the train is called a lifeline. Trains, which take millions of people to their destinations every day, are an important part of people’s lives. Despite the low fares, some passengers start traveling by train without taking tickets, but now such passengers are not well. Indian Railways has made the rules for passengers more strict than before.

Now, if a passenger is caught without a valid ticket, action will be taken against him and the fine will also be double the amount before. The only objective of Railways behind this change is that with this the passengers will maintain discipline and traveling without ticket will also be banned.

Passenger Advisory
As per the provisions of the Jan Vishwas Act, 2026, the minimum penalty under Sections 137 & 138 of the Railway Act, 1989 has been increased from ₹250 to ₹500 with effect from 20 June 2026 .
Passengers are requested to travel with a valid… pic.twitter.com/dPBLHPXY83

— DRM – Mumbai Central, WR (@drmbct) June 20, 2026

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What are the new rules?

According to the new rules of Railways, under the Public Trust Act 2026, changes have been made in Sections 137 and 138 of the Railway Act 1989. Under this, traveling without a ticket or with an already used ticket will now be considered a crime. If caught, the passenger will not only have to pay the full fare but will also have to pay a separate fine. Note that earlier the fine was Rs 250, now the new minimum fine has been made Rs 500. These rules have come into effect from 20th June 2026 i.e. from today itself.

In which cases will fine be imposed?

• If a passenger is caught traveling without a ticket.
• If you travel with an old ticket then a fine will be imposed.
• Or someone travels by train with a wrong ticket.

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What will happen if the rules are broken?

Railways has made it clear that if the fine is not paid then action can be taken against the cart and not only this, the person breaking the rules can also be jailed for up to 6 months. Railways has appealed to the passengers not to travel without purchasing a ticket. Follow the railway rules, so that no fine is imposed on you.

Petrol-Diesel Saving Tips: Recently, an increase in the prices of petrol and diesel has been seen. This increase in people going to office, college or any other place daily in their personal vehicles has had a direct impact on their budget. But do you know that by adopting some important tips, you can reduce the expenses on petrol and diesel to a great extent.

1.Debit and credit cards will be beneficial

You know there are some banks which give exemption in fuel surcharge on their debit and credit cards. If you also use these cards, extra savings can be made on purchasing fuel.

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2. Improve these habits

By driving properly, you can save petrol and diesel to a great extent. You must have seen many times that people keep the engine running even at red light, or sometimes when they have to buy something from a shop in the middle of the way, they leave the car with the engine running, but by doing this, petrol gets spent quickly.

3. Do not ignore such offers

Mobile wallets sometimes offer offers like cashback and discounts on purchasing petrol and diesel. Do not ignore these offers, you can take advantage of them and reduce your expenditure on petrol and diesel.

4. Benefit from these programs

Very few people would know that many oil companies run reward and loyalty programs for their customers. If you join it, you get points and many benefits. Which you can use while buying petrol and diesel.

5. Cashback will be available on this app

If you make payment through BHIM app then you can get cashback. If such offers are available then the cost of petrol and diesel can be reduced by taking advantage of them.

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6. Keep an eye on special offers

Oil companies give special offers to customers who buy fuel in large quantities and on a daily basis. Therefore, you should be aware of these offers. Due to this, your fuel expenses can increase significantly.

7. Use cashback payment

If you pay through UPI then you can get extra discount. Because by making digital payment one gets cashback many times. Therefore, use UPI instead of cash payment at petrol pumps.

Bank Loan News: If your CIBIL score is less than 730 then taking a loan may be a little difficult in the future. After the implementation of RBI’s new ECL Direction-2026, banks can be more careful than before while giving loans.

Banking experts believe that people with low credit scores may face difficulty in getting loans approved. Even if a loan is available, the interest rate on it may be high. In some cases, banks may also ask for additional guarantee or pledge of any property. It is a matter of concern that there are a large number of people in the country whose CIBIL score is below 730. In such a situation, those taking home loan, car loan or education loan next year may have to face more difficulties than before.

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Banking sector experts believe that this change may have an impact on the earnings of banks. According to reports, due to this, there may be an additional burden of up to Rs 42 thousand crore on the banking sector.

Experts believe that people having good credit score will have the possibility of getting loan at lower interest rates and better terms. This is why banks can give priority to customers with CIBIL score of 730 or more. It is estimated that there are about seven crore people in the country whose credit score is 730 or more.

How will banks estimate future risk?

Under the ECL framework, banks will not just see whether the customer is currently paying the EMI or not. Many other things will also be taken into consideration before giving the loan. As-
• What is the past record of the customer?
• Any change in CIBIL score
• Decrease or instability in income.
• Risk of job loss
• Loan-to-value (LTV) ratio
• Current debt status
By looking at all these things, banks will estimate what is the risk of loan default in future.

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Debit Card: Today, almost every person has a bank account and debit card. After the increase in digital transactions, most people have started using UPI, due to which the use of debit cards has reduced significantly. Many people think that debit card is only for withdrawing money from ATM, but very few people know that it also comes with the facility of accident insurance.

insurance cover

Nowadays people have different types of debit cards like Visa, RuPay and MasterCard. Very few people know that the facility of accidental insurance is also available with these cards. The amount of insurance depends on the type of card and its variant. On normal cards, cover can be up to Rs 2 lakh, while in some premium cards this amount can go up to several lakh rupees.

Why is it important to use the card?

Very few people know that in many cases it is necessary to use the debit card within the stipulated time to get the insurance claim. Usually this period can be up to 90 days. But nowadays many people stop using their debit cards after linking them with UPI. In such a situation, they may face difficulty in taking insurance claim if needed.

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Not limited to just withdrawing money

The use of the card is not limited to just withdrawing money from ATM. With this you can check balance, withdraw mini statement and also use other facilities of ATM. In many cases, these activities are also considered as use of the card.

Card provides financial support

The card can become a financial support for the family. If a cardholder dies in an accident, his family or nominee can get the sum assured if the eligibility is fulfilled. Therefore, be sure to be aware of the insurance cover and its conditions related to your debit card.

It is important to check eligibility

The conditions of every bank and card may be different. Therefore, contact your bank to find out how much insurance cover is available on your debit card and what are the rules applicable for the claim.

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Inflation Report Update: Rising inflation has made life difficult for people. Inflation is increasing day by day, due to which it is becoming difficult for common people to survive. A big change has been seen in the report of May 2026 regarding inflation in India. During this period, prices of many essential commodities have increased and some have declined.

According to the report, gold and silver jewelery and tomatoes have become the most expensive. This had a direct impact on people’s pockets. At the same time, the prices of vegetables like potatoes and peas have decreased. Retail inflation in India has increased to around 3.93 percent in 2026, which was 3.21 percent in February. This increase is especially due to the sharp rise in the prices of some selected items.

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Inflation increased the most in these things

According to the report, the highest inflation in the month of May has been recorded in these things like…

• Silver jewelery – huge increase of about 155.23 percent
• Tomato- costlier by 48.43 percent
• Gold-Diamond-Platinum Jewelery – Increase by 40.93 percent
• Ginger costlier by 32.49 percent
• Raisins – price increase by 21.97 percent

Decreased prices of these things

At the same time, a decline in the prices of some essential food items has also been seen. These include…

• Potato- 23. Up to 71 percent cheaper
• Peas – decline by 11.47 percent

What does this mean?

This data shows that inflation is not the same for everything. Some precious metals and some vegetables are becoming increasingly expensive. But it has also been seen that some things have also become cheaper. This fluctuation has different effects on the pockets of common users.

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