July 2025 marks a new fiscal half, and several key financial rules have changed — from tax slabs to loan regulations and UPI limits.
As a modern Indian consumer, staying informed is essential.
With Vizzve Finance, you’re not just updated — you’re empowered to act.
Major Financial Rule Changes from July 2025
1. 💸 New Income Tax Slabs
The basic exemption limit has been revised to ₹3 lakh.
New regime incentivizes digital filing and timely disclosures.
Salaried employees get additional deductions for remote work setups.
🔹 Vizzve Tip: Use our tax estimator tool to preview your new tax liability.
2. 💰 Higher TDS on Cash Withdrawals
TDS of 3% on annual cash withdrawals above ₹20 lakh
Designed to encourage digital transactions
🔹 Vizzve Insight: Plan large purchases with digital trail to avoid higher deductions.
3. 📲 UPI Transaction Cap Raised
UPI limit increased to ₹5 lakh per day (for verified users)
Allows for smoother property token payments, tuition fees, etc.
🔹 Vizzve Suggestion: Link your Vizzve account for UPI analytics and alerts.
4. 🏦 Loan Transparency & Digital Consent
RBI mandates all fintech lenders to disclose effective interest rates clearly
Consent-based data sharing becomes compulsory
🔹 Vizzve Compliance: We’ve updated all loan forms with transparent APR disclosures.
5. 📈 Credit Score Boosters for Rent & Bills
Monthly rent payments and utility bills can now positively impact credit scores
Enabled via registered platforms linked with credit bureaus
🔹 Vizzve Bonus: Activate our credit score booster tool to upload verified rent data.
What This Means for You
| Rule Change | What You Should Do |
|---|---|
| Tax slabs revised | Recalculate take-home + update investments |
| Higher TDS on cash | Shift to digital spending |
| UPI daily limit raised | Enable high-value transfers smartly |
| Loan disclosures mandated | Read the fine print — Vizzve makes it easy |
| Credit score new inputs | Log rent/bill payments to grow faster |
FAQs
Q: Are these changes permanent?
A: Some are trial-phase (like rent-linked credit boost), others are official from July 1, 2025.
Q: Will Vizzve update its calculators based on the new rules?
A: Yes. All tools (tax, EMI, savings goal planner) are now updated.
Q: Do I need to re-sign my existing loan agreement?
A: No. But new loans from July 2025 will have revised disclosure clauses.
Conclusion: Adapt Fast, Gain Faster
The July 2025 financial rulebook brings challenges and opportunities.
With Vizzve’s smart insights and tools, you won’t just comply — you’ll capitalize.
👉 Log in to Vizzve and get your personalized July rule impact report.
Published on 3rd July
Published : SMITA
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