Insurance regulations
- Buy insurance only from IRDAI-registered insurers and intermediaries.
- Read the policy wording, exclusions and waiting periods before signing.
- Disclose health and personal details truthfully in the proposal form.
Know your rights
Rules & Regulatory Awareness
Official resources and simple awareness notes for insurance, investments, tax, GST and digital safety.
SEBISecurities and Exchange Board of IndiaRegulates securities markets, mutual funds and investment advisers.Visit official site →IRDAIInsurance Regulatory and Development Authority of IndiaRegulates insurance companies, intermediaries and protects policyholders.Visit official site →RBIReserve Bank of IndiaRegulates banks, NBFCs, loans and digital payment systems.Visit official site →Income TaxIncome Tax Department e-Filing PortalFile ITR, check refunds, Form 26AS/AIS and tax rules.Visit official site →GSTGoods and Services Tax PortalGST registration, return filing and payments.Visit official site →Company Registration & Government RulesMinistry of Corporate AffairsOfficial company and LLP registration, filing and corporate-law resources.Visit official site →
Policyholder rights
- You get a free-look period after receiving the policy document to review and return it as per policy terms.
- Raise complaints with the insurer first; if unresolved, use IRDAI's Bima Bharosa portal or the Insurance Ombudsman.
- You can nominate and change nominees.
Financial market awareness
- Never invest based on unsolicited tips or 'guaranteed return' offers.
- Deal only with SEBI-registered intermediaries — verify registration on the SEBI website.
- Use SEBI SCORES for investor complaints.
Mutual fund awareness
- Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
- Check the scheme's riskometer, expense ratio and investment objective.
- Complete your KYC and keep nominee details updated.
Taxation rules
- The new tax regime is the default; you may opt for the old regime where eligible.
- For FY 2026-27, Budget 2026 kept income tax slabs unchanged under both regimes.
- Match your income with Form 26AS / AIS before filing your ITR.
GST compliance
- Registration is required once turnover crosses the applicable threshold or for specified businesses.
- File returns on time to avoid late fees and interest.
- Issue proper tax invoices and reconcile input tax credit regularly.
Digital payments
- Never share OTP, UPI PIN, CVV or passwords with anyone.
- Entering your UPI PIN is only needed to pay — not to receive money.
- Report unauthorized transactions to your bank immediately.
Privacy & cybersecurity
- Report cyber fraud at cybercrime.gov.in or call helpline 1930.
- Use strong, unique passwords and enable two-factor authentication.
- Be careful with links and attachments received on SMS, email or WhatsApp.
Digital business regulations
- Businesses collecting personal data should follow India's data protection law (DPDP Act, 2023) and its rules.
- Display clear privacy policies and terms on your website.
- Keep GST and business registrations up to date for online sales.
Company Registration
- Use the Ministry of Corporate Affairs portal for official company and LLP incorporation resources.
- Consult the portal's current forms, instructions and applicable fees before filing.
- Registration and ongoing filing obligations depend on the chosen business structure; seek qualified professional guidance.
This section is for general educational awareness only and is not legal or tax advice. Rules change from time to time — always confirm the latest position on the official website of the respective regulator or consult a qualified professional.
