Knowledge Center
Personal finance, explained in plain English - no jargon, no fluff. Every guide is dated so you know it's current, and every one ends with a way to ask Laalaji about your own numbers.
How to File a Complaint with SEBI (SCORES Portal)
SCORES is SEBI's official online complaint portal for grievances against listed companies, brokers, mutual funds, and other registered market intermediaries - free to use, and every complaint gets a trackable registration number.
Last verified 14 Sep 2026 Regulators & Consumer RightsIRDAI's Insurance Ombudsman: How to Complain About Your Insurer
The Insurance Ombudsman is a free, IRDAI-backed forum for resolving disputes with an insurer for claims and relief up to ₹50 lakh - filed via the Bima Bharosa portal or at one of 17 regional offices, after first giving the insurer 30 days to respond.
Last verified 14 Sep 2026 Regulators & Consumer RightsRBI's Ombudsman Scheme: How to Complain About Your Bank
The Reserve Bank - Integrated Ombudsman Scheme is a free, RBI-run grievance mechanism covering banks, NBFCs, and payment system participants - you must approach your bank first, and can escalate to the Ombudsman if it doesn't respond within 30 days or you're unsatisfied with the response.
Last verified 14 Sep 2026 Regulators & Consumer RightsThe Union Budget: How It Shapes Your Taxes and Investments Each Year
The Union Budget, presented every February 1st, sets the government's tax and spending plans for the coming year - and is exactly where changes to income tax slabs, capital gains rules, and government scheme allocations are actually announced.
Last verified 14 Sep 2026 Regulators & Consumer RightsWhat Is IRDAI and What Does It Actually Regulate?
IRDAI (Insurance Regulatory and Development Authority of India) licenses and regulates every insurance company operating in India, sets rules on solvency and conduct, and runs a dedicated Ombudsman scheme for policyholder complaints.
Last verified 14 Sep 2026 Regulators & Consumer RightsWhat Is SEBI and What Does It Actually Regulate?
SEBI (Securities and Exchange Board of India) is the regulator for India's stock markets, mutual funds, and listed companies - its job is protecting investors and keeping the securities market fair, transparent, and free of manipulation.
Last verified 14 Sep 2026 Regulators & Consumer RightsWhat Is the RBI and What Does It Actually Do?
The Reserve Bank of India is the country's central bank - it sets monetary policy (including the repo rate that ultimately influences your loan EMI), regulates banks and NBFCs, and is responsible for overall financial-system stability.
Last verified 14 Sep 2026