
RailOne App launched: Key features you should know
RailOne has been designed to be straightforward and user-friendly. You won't have to remember a million passwords any more, as you will only have a single sign-on. The app saves all your ticket information, refunds, and travel itineraries in one tidy location, making travel simple for anyone, including people taking the train for the first time.SAFE AND SIMPLE PAYMENTS WITH R-WALLETPassengers can access R-Wallet, Indian Railways' very own digital wallet, to pay for tickets and services. The wallet provides secure payments by using biometrics or mPIN, allowing users to travel with confidence knowing that their money is secure.The RailOne App is free to download on Android (Google Play Store) and iOS (Apple App Store). For all users, frequent or infrequent, RailOne makes your train travel journey easier and more secure than ever!- Ends
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NDTV
18 minutes ago
- NDTV
Trump's "Big, Beautiful Bill" Awaits Final Vote: How It Will Impact Indians
Washington: US President Donald Trump's signature tax-and-spending legislation-- " One Big, Beautiful Bill"-- is lined up for final vote over the coming hours in the House of Representatives, the lower chamber of the American Congress. The mega bill, which could define Trump's second term in the White House, has faced an uneasy passage so far. Several members of Trump's own Republican Party have sided with opposition Democrats to criticise the bill for a number of reasons, including the impact on US national debt and healthcare. Trump's sprawling legislation-- which is expected to slash social welfare programs and add an eye-watering $3 trillion to the national debt--was originally approved by the House in May. But it returned to the lower chamber for a rubber stamp after squeezing through the Senate on Tuesday by a solitary vote following several revisions. How The New Version Of The Bill Benefits India Among the revisions in the proposed legislation was a significant dilution of the provision on tax remittances to other countries, including India. In a massive relief for thousands of non-resident Indians (NRIs) and Indian professionals working in the US, who send money back home, the updated draft of the bill released on June 27 showed that the tax rate on remittances was slashed to 1 per cent, down from the 5 per cent proposed originally. The tax rate was brought down to 3.5 per cent in the House version of the bill earlier. The rule will apply to all US residents who aren't US citizens-including Green Card holders, people on temporary visas such as H-1B or H-2A and foreign students. The reduction in tax on all international money transfers will benefit nearly 45 lakh Indians living in the US, including nearly 32 lakh persons of Indian Origin. It will apply to all remittances made via cash, money orders, or cashier's checks. "There is hereby imposed on any remittance transfer a tax equal to 1 per cent of the amount of such tax imposed by this section with respect to any remittance transfer shall be paid by the sender with respect to such transfer," the updated draft of the bill states. The new draft also said that the bill will exempt remittances made from "an account held in or by a financial institution" and those "funded with a debit card or a credit card issued in the United States".


Time of India
41 minutes ago
- Time of India
Stop glamorising EMIs: Financial analyst explains why India wants financially resilient citizens, not debt-slaves
High-income groups also feeling the heat Live Events RBI flags rise in loan defaults Lifestyle shift driving the crisis (You can now subscribe to our (You can now subscribe to our Economic Times WhatsApp channel A financial analyst has raised alarm over rising household debt levels in India , revealing that nearly 33% of monthly salaries are being used to repay EMIs even before accounting for basic expenses like rent, groceries, or savings. The data, based on a recent study shared by the analyst, covers more than 3 million digitally active Indians and shows growing financial stress across income to Sujay U, the analyst who shared the findings on LinkedIn, higher-income individuals are not spared either. In many cases, up to 45% of their monthly income is going toward loan repayments. These include home loans, car loans, credit card dues, and buy-now-pay-later schemes.'In cities like Mumbai, just paying the home loan can eat up nearly half a paycheck,' Sujay study finds that household debt has reached 42% of India's GDP by the end of 2024. This is affecting the ability of people to build emergency savings or make long-term investments. National savings have declined to 5.3% of GDP, a 47-year low.'That number should rattle us all,' Sujay Reserve Bank of India has already highlighted an increase in defaults, especially in unsecured and microfinance loans. The concern is that even a small disruption in income—such as a job loss, illness, or economic downturn—could lead to widespread repayment pointed to a deeper issue behind the trend: 'The new EMI-driven lifestyle means flashy gadgets and instant gratification, but it's debt-driven and threatens long-term financial health.'He added, 'EMIs crossing 40% of net income are a red flag.' He urged that financial literacy and budgeting are no longer optional but have become essential life ended his post saying: "India's growth miracle depends on financially resilient citizens, not debt-slaves. Let's stop glamorising EMIs and start smart, sustainable wealth-building."


Hindustan Times
an hour ago
- Hindustan Times
Budget travel in Asia: 5 Asian getaways just a few hours away for Indian travellers with estimated cost, top attractions
Whether you're a seasoned vacationer or a first-timer, travelling on a budget is not only great for your wallet, but being a little thrifty may actually lead you to places you wouldn't explore otherwise. But travelling on a budget doesn't always mean you have to give up comfort or delicious meals. Also read | Is $15K enough for 9 to 11 months in Latin America? Redditors share budget travel tips for man who wants to be 'frugal' Plan ahead to make the most of your budget travel adventure in Asia. (Freepik) If you are looking to make your budget travel dreams a reality, in an interview with HT Lifestyle, Karan Agarwal, director, Cox and Kings, explained why Asia could be a great choice. He said Asia offers a buffet of options within easy reach, from a breezy beach break to a temple trail or a big-city shopping fix. He said, 'There's a new kind of holiday Indian travellers are loving right now: short-haul international escapes that don't demand too many leaves, long-haul flights, or five months of planning. These trips fit neatly into a long weekend or an impulsive 'let's just go' plan. Think culturally rich, affordable, less than six hours away by flight, and packed with experiences.' According to him, here are five short-haul destinations that are perfect for Indians looking to recharge without breaking the bank or burning too much time off work (these estimates can vary depending on the specific location, time of year, and personal spending habits): Wat Arun Temple, also known as the Temple of Dawn, is a stunning cultural gem in Bangkok, Thailand. (Freepik) 1. Thailand (Bangkok, Pattaya and beyond) Karan said, 'Thailand continues to be a go-to for Indian travellers, and it's not just about budget-friendliness. Bangkok offers a mix of vibrant street markets, Thai massages, and temples, while Pattaya adds a beachy twist to your trip. Floating markets, coral island day trips, and evening cruises make for an easy blend of sightseeing and downtime. The food scene, whether you're sampling street food or looking for Indian restaurants, is also a big plus.' ⦿ Flight Time: 4 hours (approx.) ⦿ Top Experiences: Grand Palace, floating markets, Safari World, Marine Park, Alcazar show, and the coral island in Pattaya ⦿ Budget for 4D/3N: Starting from ₹ 35,000– ₹ 55,000 (flights + hotels) 2. Bali, Indonesia 'Bali has become synonymous with laid-back luxury. Ideal for couples, honeymooners, or anyone needing a proper pause, Bali's energy is both calming and adventurous. Ubud is perfect for art, yoga, and monkey forests, while Seminyak and Uluwatu serve up surf, sunset, and seafood. Water sports in Tanjung Benoa and temple-hopping tours (like Tanah Lot and Uluwatu) make it more than just a beach holiday,' he added. ⦿ Flight Time: 6 hours (with one stop) ⦿ Top Experiences: Water temples, Ubud rice terraces, beach clubs, Balinese massage ⦿ Budget for 5D/4N: Starting from ₹ 55,000– ₹ 70,000 The Burj Khalifa is a skyscraper in Dubai, United Arab Emirates, and it's a marvel of modern engineering and architecture. (Freepik) 3. Dubai, UAE According to Karan, 'Dubai is the perfect example of a short trip that feels larger than life. Great for family vacations or first-time international travellers, it combines sightseeing with sheer spectacle. From climbing the Burj Khalifa to taking a desert safari, and hopping across giant malls to old souks, Dubai offers a taste of tradition and over-the-top modernity all in one trip. Bonus: vegetarian Indian food is easy to find.' ⦿ Flight Time: 3.5 hours (approx.) ⦿ Top Experiences: Dubai Frame, Museum of the Future, desert safari, Burj Khalifa, Dhow cruise dinner, Miracle Garden and Ferrari World Day Excursion ⦿ Budget for 4D/3N: Starting from ₹ 50,000– ₹ 80,000 4. Sri Lanka (Colombo, Galle, and Tea Country) 'Sri Lanka is the quiet charmer on this list. Just a short hop away, it offers a lot of beaches, colonial towns, wildlife, and tea plantations. Start in Colombo, then make your way to Galle for cobblestone streets and seaside cafes. Head inland to explore the hill stations of Nuwara Eliya or Kandy, where scenic train rides and tea tastings await. It's perfect for a culturally rich yet relaxing escape,' Karan added. ⦿ Flight Time: 2.5 hours (approx.) ⦿ Top Experiences: Galle Fort, Pinnawala Elephant Orphanage, Nuwara Eliya tea estates, scenic train to Ella, exotic beaches, water sports, Ramayna trails, turtles hatchery farm, Bellagio Casinos, famous for wellness retreats ⦿ Budget for 4D/3N: Starting from ₹ 45,000– ₹ 70,000 5. Vietnam (Hanoi, Halong Bay, Phu Quoc, Da Nang or Ho Chi Minh City) Karan said, 'Vietnam has become increasingly accessible for Indian travellers thanks to e-visas and direct flights. Hanoi is a lovely entry point for those looking to cruise through limestone cliffs in Halong Bay or explore the charming Old Quarter. Down south, Ho Chi Minh City is buzzing with history, French colonial architecture, and a very Instagram-friendly coffee culture. The best part? Vietnam is still relatively affordable and full of surprises.' ⦿ Flight Time: 5 hours (approx.) ⦿ Top Experiences: Halong Bay cruise, Cu Chi tunnels, Pho street food trails, Old Quarter shopping, Golden Bridge, Venice boat ride, laser show at night, Full day at Winwonders, world's longest cable care theme parks, Sunset Town, Kiss Bridge, muds spa, deep sea activities, nightlife is great ⦿ Budget for 5D/4N:Starting from ₹ 40,000– ₹ 65,000 According to Karan, whether you're planning a spontaneous getaway or just want to use up that comp-off wisely, these five destinations are proof that a fulfilling international trip doesn't have to be far, expensive, or complicated. Why is this travel trend growing? He said, 'Post-pandemic (Covid-19 pandemic), travel preferences have shifted. Many Indian travellers are choosing smart, short, and experience-rich destinations over long vacations. Visa-on-arrival or e-visa access, easy flight connectivity, and a strong rupee in some regions make these trips even more attractive. Add to that a long weekend or two, and you've got the perfect formula for a quick recharge.'