GST Bachat Spirit : How Modiji’s Cuts Make Dussehra Brighter

 

GST Bachat 2025 🪔: Modiji’s Double Bonanza for Families 👨‍👩‍👧‍👦

 

🎯 “Dussehra 2025: GST Bonanza & Safe ePayments Bring a Festival of Savings and Security” 🔍

GST + Safe ePayments: ✨
Celebrate Dussehra 2025 with Modiji’s GST bonanza & Safe ePayments—slay high prices, secure every rupee, and enjoy a true festival of savings.

Dussehra-only: 🪔
This Dussehra 2025, Modiji’s GST bonanza slays high prices, bringing households relief, renewal, and a true festival of savings.

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Dussehra 2025 🎇: Slaying High Prices with the GST Bonanza 💰 and Safe ePayments 🔐

Every Dussehra, India celebrates the triumph of good over evil ⚔️ — the story of Lord Rama’s victory over Ravana 👹, the reminder that light conquers darkness 🪔 and truth defeats deceit.

This year, the celebration comes with an added gift 🎁: the GST Bonanza, as Modiji has called it — a true festival of savings 💵 that puts more money back into people’s hands just as they prepare for festive shopping 🛍️.

At the same time, the rise of Safe ePayments 🔐 ensures that these savings are not lost to modern demons — fraud, trickery, and unsafe digital practices 🎭. Together, GST relief and secure digital transactions give Dussehra 2025 a unique financial glow ✨.

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The GST Bonanza Explained 💡

The Goods and Services Tax (GST) has long been a backbone of India’s indirect tax system 🏛️. But until now, it carried complexity and burden. Multiple slabs — 5%, 12%, 18%, and 28% — often confused consumers and businesses alike, while keeping prices stubbornly high 📈.

With GST 2.0, effective from 22 September 2025 📅, the system has been simplified. Most goods and services now fall into just two broad slabs: 5️⃣% and 1️⃣8️⃣%. A higher 40% category remains for sin and luxury items, but for households, the real change is in the essentials.

Medicines 💊, insurance 🛡️, toothpaste 🦷, soap 🧼, clothing 👕👗, and other everyday goods are now either exempt or fall into the lower slab. A sari once taxed at 12% may now be billed at 5%. Appliances, clothing, and FMCG goods have all become more affordable.

Families planning their festive budgets 🎊 will see relief, not strain. Combined with earlier income tax relief that exempts incomes up to ₹12 lakh 💸, this move is expected to free up ₹2.5 lakh crore across households. Truly, as Modiji called it, a “double bonanza” 🥳.

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Dussehra — Slaying the Demon of High Prices 👹➡️🎯

The symbolism could not be stronger ✨.

In mythology, Ravana had ten heads 👹, each representing vices like pride, greed, or deceit. In modern family life, Ravana takes the form of bills 📄, inflation 📈, and financial strain 💸.

Every time a family struggled to pay for medicines 💊, groceries 🛒, or school fees 📚 under heavy GST slabs, it felt like fighting a many-headed demon.

This Dussehra, with GST rates slashed 🪓, the story changes.

• A family buying festive clothes 👗👕 finds more room in the budget.
• A young couple purchasing a scooter 🛵 pays less tax.
• A shopkeeper replenishing inventory 📦 feels more confident.

Each saving is a symbolic arrow 🎯 striking Ravana’s heads.

Dussehra is also about renewal 🌱 — starting fresh, buying tools, vehicles, or home essentials on an auspicious day. The GST Bonanza makes those new beginnings lighter, almost like a divine blessing 🙏.

Just as Lord Rama’s victory reassured the people of Ayodhya 🏹, GST 2.0 reassures Indian households: the demon of high taxes can be defeated.

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Safe ePayments — A Modern Victory in the Spirit of Dussehra 🔐⚔️

Victory today is not only measured in savings 💰 but also in safety 🛡️.

As households take advantage of GST cuts and flood the markets for festive shopping 🎊, more transactions than ever are happening digitally 💳📱. From QR codes at sweet shops 🍬 to UPI links for festive clothes 👗, digital payments are now inseparable from celebrations.

Yet, just as Ravana wore many disguises 🎭, the digital world carries risks — phishing links, fake QR codes, and fraudsters waiting for an opening. The answer is vigilance: Safe ePayments 🔐.

Every secure transaction — whether through UPI, cards, or net banking — is like Rama’s bow 🏹, ensuring the arrow of money reaches its rightful destination 🎯. Families that double-check payment requests, protect their OTPs 🔑, and verify merchants are practicing the vigilance that Dussehra itself teaches.

This Dussehra, every safe digital payment can be seen as another victory 🏆: trust over deceit, safety over risk, and light over darkness 🪔. Together with GST savings, Safe ePayments ensure not just financial relief, but also peace of mind 🌸.

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Modiji’s Address — The Festival of Savings Declared 📢🎉

In his address to the nation on 21 September 2025 📅, Modiji gave these reforms their emotional center ❤️. Speaking on the eve of Navratri 🌼, he declared that from sunrise on 22 September, GST 2.0 would take effect — launching what he proudly called a “GST Bachat Utsav 🎉” (savings festival).

He highlighted that the reforms will make everyday purchases easier 🛍️:
“From tomorrow, you will be able to buy your favourite items with ease.”

Linking GST cuts with earlier income tax relief, he described this as a double bonanza 🥳 for the poor, the middle class, and the neo-middle class.

Modiji also reminded citizens of the past — a time when taxes were scattered, tolls slowed trade 🚧, and compliance was confusing. The new GST system clears that clutter, making life easier for both consumers and businesses.

Finally, he called for pride in Swadeshi goods 🇮🇳 and Aatmanirbhar Bharat, urging shopkeepers and families alike to embrace “Made in India” products 🛠️. By combining savings with self-reliance, the reforms are designed not just to lighten wallets 💸 but to strengthen the economy 📈.

In that speech, policy became poetry ✍️: the GST Bonanza was framed not as an accounting exercise, but as a moral and emotional victory 🏆 for households across India.

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A Dussehra of Savings and Security 🪔💵🔐

As the effigies of Ravana fall in every corner of the country 🔥 this Dussehra, Indians will celebrate more than mythology. They will celebrate a real and tangible victory in their daily lives.

✔️ GST 2.0 has slashed tax burdens 🪓, allowing families to save more as they shop for clothes 👕, appliances 🏠, or medicines 💊.
✔️ Safe ePayments 🛡️ ensure that every digital transaction is guarded, every rupee is protected from modern-day Ravanas 🎭 of fraud and deceit.
✔️ Modiji’s leadership 🤝 has framed these reforms not just as tax cuts, but as a festival of savings 🎉 — perfectly timed with a festival of victory ⚔️.

The lesson of Dussehra is eternal: no demon is invincible 🌟. In 2025, the demon of high prices has been struck 🎯, and the path ahead shines brighter ✨.

This festive season, households across India will feel lighter, safer, and more confident 🏡 — their celebrations infused with both tradition 🪔 and trust 🔐.

This is Dussehra 2025 🎇: a celebration of victory, of savings 💵, and of safety 🛡️ — all working together to make the festival of triumph even more meaningful.

 

 

 

The Citizen Advocate Summary: Declaring April 11 as Safe ePay Day

Proposing April 11 as Safe ePay Day to mark UPI’s pilot launch on April 11, 2016, by NPCI with 21 banks, initiated by Dr. Raghuram G. Rajan in Mumbai. This initiative celebrates UPI’s seamless integration of banking and merchant payments.

April 11 – Declare ‘Safe ePay Day’,

Yes, April 11 is vacant in the UN Observance Day calendar

 

🌿💳🧠🌍Appeal  for Safe ePay Day 🌟

 

## Call to Action 

I urge governments, financial institutions, businesses, and communities worldwide to join hands in declaring April 11 as **Safe ePay Day**.

Let’s celebrate UPI’s milestone by making **Safe ePay Day** a global movement for secure, innovative fintech.

Together, we can build a future where financial access is universal, and every e-payment is safe—starting with **Safe ePay Day** in 2026.

 

No Vada Pav, not even one bite,
Till SafeePay Day takes off in flight.
Quirky vow with a Mumbai flair—
Announce the date, and I’ll be there!

 

📌 References

1.    Nayakanti, P. (2025, September 7). September 07 — National Buy a Book Day and April 11 — Safe ePay Day: Building Trust, One Page and One Payment at a Time. Medium.
Retrieved from https://medium.com/@nshantin/september-07-national-buy-a-book-day-and-april-11-safe-epay-day-building-trust-one-80483f34d7e7

2.   Nayakanti, P. (2025, August 13). 218th Lalbagh Flower Show via RV Road Interchange! Innovation in Banking.
Retrieved from https://innovationinbanking.blogspot.com/2025/08/august-13-metro-rides-blooms-218th.html

Prashant Nayakanti. (n.d.). LinkedIn profile. Retrieved September 2025, from
https://in.linkedin.com/in/prashantnayakanti

 

 

 

14 Days to Go: Continuous Clearing Cheques — Why RBI/NPCI Should Launch a Microsite

 

My welcome post : https://innovationinbanking.blogspot.com/2025/08/rbis-continuous-cheque-clearing-from.html

 

The Citizen Advocate Summary: Declaring April 11 as Safe ePay Day

Proposing April 11 as Safe ePay Day to mark UPI’s pilot launch on April 11, 2016, by NPCI with 21 banks, initiated by Dr. Raghuram G. Rajan in Mumbai. This initiative celebrates UPI’s seamless integration of banking and merchant payments.

April 11 – Declare ‘Safe ePay Day’,

Yes, April 11 is vacant in the UN Observance Day calendar

UPI 10^th Birthday -April 11 2026 – 204 Days to Go

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14 Days to Go: Continuous Clearing Cheques Transform Banking from Oct 4, 2025

 

RBI’s Continuous Cheque Clearing starts Oct 4. Faster funds, less confusion.

A microsite can ensure clarity & scam-free communication.

 

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14 Days to a Faster Future: Why a Microsite Could Make Continuous Cheque Clearing Seamless

In just 14 days, a quiet but powerful shift will take place in India’s banking system. For decades, cheques have symbolized trust, tradition, and security in financial dealings. But if there was one constant complaint about cheques, it was time. Depositors often had to wait for one, two, or sometimes three days to see their funds realised.

That wait is about to shrink — dramatically. On October 4, 2025, the Reserve Bank of India (RBI) launches the first phase of Continuous Cheque Clearing under the Cheque Truncation System (CTS). For millions of account holders and thousands of businesses, this is no less than a momentum change in how cheques are processed.

And yet, as we count down to this landmark date, one important question lingers: How do customers know exactly what to do to take advantage of this faster clearing system?

The answer could lie in a simple, customer-friendly step — an RBI/NPCI microsite dedicated to Continuous Cheque Clearing.

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“Oct 4 is not just another Saturday — it’s the day cheques in India change forever.”

On October 4, 2025, India enters Phase 1 of continuous cheque clearing. Cheques presented between 10:00 AM and 4:00 PM will be processed by drawee banks, with confirmation or return required by 7:00 PM the same day.

From January 3, 2026, Phase 2 begins. Drawee banks will have to confirm or return cheques within just three hours of receipt. Hourly settlement cycles will ensure funds flow faster, smoother, and with unprecedented predictability.

This change isn’t just technical. It’s cultural. A cheque, often seen as slow and old-fashioned, suddenly feels modern, digital, and alive with a new heartbeat.

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“From 2–3 days to a few hours: India’s cheques get a digital heartbeat.”

For customers, this is transformational:

• Faster funds availability → many cheques realised the same day.
• More predictable cash flow → businesses and households plan better.
• Reduced float → money is put to use instead of being stuck in limbo.

It’s not just faster funds — it’s faster trust.

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Where Customers Stand Today

Major banks have already started communicating these changes to account holders. Emails, branch notices, and advisories are being rolled out. But one critical issue remains:

👉 Each bank (and sometimes each branch) has its own cut-off time for cheque deposits.

This small detail determines whether your cheque clears the same day or gets pushed forward. Yet, these cut-off times are not widely publicised. Customers are being told to “contact their local branch” for clarity — not always efficient, not always reliable.

Without a central reference, many depositors risk missing out on the benefits of continuous cheque clearing.

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Why an RBI/NPCI Microsite Is the Need of the Hour

Here lies the big opportunity. RBI and NPCI could launch a microsite — a one-stop official hub that makes the transition seamless for customers and banks alike.

What the Microsite Could Include:

1.    Plain-language FAQs → answering the “what, when, how” of continuous cheque clearing.

2.   Verified Bank Communication Links → direct links to SBI, HDFC Bank, ICICI Bank, Axis Bank, PNB, and others, ensuring customers don’t fall prey to scam sites.

3.   System Status Ticker → a real-time bar showing “System Operational” or “Updates in Progress.”

4.   Security Advisory → clear do’s and don’ts to avoid phishing attacks.

5.   Quick Checklists → simple steps for depositors (confirm cut-off, cheque legibility, keep deposit slip, use only official links).

This is not about complex technology. It’s about simple, transparent communication that builds trust.

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“Dasara cleared Ravana’s delays, RBI clears cheque delays.”

The symbolism is powerful. Dussehra, celebrated just before the go-live, marks the victory of truth over falsehood, clarity over confusion. In the same way, continuous cheque clearing replaces delay with speed, uncertainty with clarity.

Launching a microsite at this moment reinforces that message: India’s financial system isn’t just modernising behind the scenes, it’s guiding customers with clarity and safety.

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Why Banks Will Thank RBI/NPCI for This

This microsite isn’t just for customers. It will benefit banks in very practical ways:

• Reduced Branch Queries: Customers won’t flood branches asking about cut-off times.
• Fewer Complaints: Transparent communication reduces grievances.
• Operational Shield: During the first few weeks, banks can focus on operations instead of firefighting confusion.

In short, a microsite saves time, money, and reputation — while delivering a smoother rollout for all.

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The Major appeal for RBI/NPCI

Here’s the big one:

👉 “A central microsite could do for cheques what UPI did for payments — create a single source of trust.”

Just as UPI unified India’s digital payments ecosystem, a microsite could unify communication about continuous cheque clearing. It signals leadership, transparency, and customer-first thinking.

This appeal  is more than messaging — it’s positioning. By creating such a microsite, RBI/NPCI would be seen not just as regulators but as champions of customer trust in the digital era.

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Call to Action

As India gets ready for this leap in cheque processing, here’s a simple request:

👉 @RBI, @NPCI_NPCI, @TheOfficialSBI, @HDFCBank_Cares, @ICICIBank, @AxisBank, @PunjabNationalBank — consider a microsite.

It doesn’t need to be flashy. Even a straightforward page with FAQs, links, and security advisories would go a long way.

Because when India moves to continuous cheque clearing, no customer should feel left behind, confused, or unsafe.

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Final Word

On October 4, 2025, as Phase 1 of continuous cheque clearing goes live, India takes another step toward modern, efficient banking. With Phase 2 set for January 3, 2026, the future promises even faster and more predictable transactions.

But communication is as critical as technology. A microsite can be the bridge between policy and practice, ensuring that this transformation is celebrated not just in banking circles but also by everyday account holders.

The countdown has begun. The momentum is building. Let’s make sure the message is clear, trusted, and accessible to all.

14 days to go. A faster future awaits.

 

🌿💳🧠🌍Appeal  for Safe ePay Day 🌟

 

## Call to Action 

I urge governments, financial institutions, businesses, and communities worldwide to join hands in declaring April 11 as **Safe ePay Day**.

Let’s celebrate UPI’s milestone by making **Safe ePay Day** a global movement for secure, innovative fintech.

Together, we can build a future where financial access is universal, and every e-payment is safe—starting with **Safe ePay Day** in 2026.

 

No Vada Pav, not even one bite,
Till SafeePay Day takes off in flight.
Quirky vow with a Mumbai flair—
Announce the date, and I’ll be there!

 

📌 References

1.    Nayakanti, P. (2025, September 7). September 07 — National Buy a Book Day and April 11 — Safe ePay Day: Building Trust, One Page and One Payment at a Time. Medium.
Retrieved from https://medium.com/@nshantin/september-07-national-buy-a-book-day-and-april-11-safe-epay-day-building-trust-one-80483f34d7e7

2.   Nayakanti, P. (2025, August 13). 218th Lalbagh Flower Show via RV Road Interchange! Innovation in Banking.
Retrieved from https://innovationinbanking.blogspot.com/2025/08/august-13-metro-rides-blooms-218th.html

3.   Prashant Nayakanti. (n.d.). LinkedIn profile. Retrieved September 2025, from
https://in.linkedin.com/in/prashantnayakanti