<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
	xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"
	xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
	xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"
	xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
	>
<url><loc>https://aniltikotekar4sme.com/2026/04/23/auto-debit-rbi-%e0%a4%a8%e0%a5%87-%e0%a4%91%e0%a4%9f%e0%a5%8b-%e0%a4%a1%e0%a5%87%e0%a4%ac%e0%a4%bf%e0%a4%9f-%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%ae%e0%a4%be%e0%a4%82%e0%a4%ae%e0%a4%a7%e0%a5%8d%e0%a4%af/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:41:52+00:00</news:publication_date><news:title>Auto-Debit: RBI ने ऑटो-डेबिट नियमांमध्ये केले महत्त्वाचे बदल, आता 15 हजारांपर्यंतच्या पेमेंटसाठी ओटीपीची गरजच नाही, सुरक्षा आणि फायदे जाणून घ्या</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/china-gold-silver-record-imports-%e0%a4%9a%e0%a5%80%e0%a4%a8%e0%a4%95%e0%a4%a1%e0%a5%82%e0%a4%a8-%e0%a4%ae%e0%a5%8b%e0%a4%a0%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ae%e0%a4%be/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:39:22+00:00</news:publication_date><news:title>China Gold-Silver Record Imports; चीनकडून मोठ्या प्रमाणात सोने-चांदीची खरेदी, जगात युद्ध सुरू ड्रॅगनची नवी खेळी! कुणाला फायदा, कुणाचे नुकसान? &#124; Maharashtra Times</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/bank-credit-to-moderate-slippage-rate-to-rise-amid-expected-slowdown-in-real-gdp-growth-in-fy27-icra-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:32:52+00:00</news:publication_date><news:title>Bank credit to moderate, slippage rate to rise amid expected slowdown in real GDP growth in FY27: ICRA &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/indians-among-top-users-of-advanced-capabilities-of-chatgpt-says-openai-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:29:43+00:00</news:publication_date><news:title>Indians among top users of advanced capabilities of ChatGPT, says OpenAI &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/editorial-major-undercurrents-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:26:49+00:00</news:publication_date><news:title>Editorial. Major undercurrents &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/importance-of-insurance-agents-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:25:04+00:00</news:publication_date><news:title>Importance of insurance agents &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/property-transfer-to-son-experts-explain-why-mutation-alone-is-not-enough-personal-finance-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:13:36+00:00</news:publication_date><news:title>Property transfer to son? Experts explain why mutation alone is not enough &#124; Personal Finance &#8211; Business Standard</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/no-otp-for-%e2%82%b915000-auto-pay-%e2%82%b91-lakh-limit-for-sips-insurance-says-rbi-personal-finance-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:11:19+00:00</news:publication_date><news:title>No OTP for ₹15,000 Auto-Pay, ₹1 lakh limit for SIPs, insurance, says RBI &#124; Personal Finance &#8211; Business Standard</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/23/not-all-but-these-indians-need-an-income-tax-clearance-for-foreign-travel-govt-clarifies-income-tax-news-the-financial-express/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-23T01:03:04+00:00</news:publication_date><news:title>Not all, but these Indians need an income tax clearance for foreign travel, Govt clarifies &#8211; Income Tax News &#124; The Financial Express</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/changed-your-card-your-auto-payments-subscriptions-wont-stop-anymore-personal-finance-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T08:40:21+00:00</news:publication_date><news:title>Changed your card? Your auto-payments, subscriptions won&#8217;t stop anymore &#124; Personal Finance &#8211; Business Standard</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/flying-international-travel-insurance-could-save-your-money-and-your-trip-personal-finance-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T08:37:28+00:00</news:publication_date><news:title>Flying international? Travel insurance could save your money-and your trip &#124; Personal Finance &#8211; Business Standard</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/unauthorised-credit-card-transaction-steps-to-limit-loss-and-recover-money-personal-finance-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T08:34:35+00:00</news:publication_date><news:title>Unauthorised credit card transaction? Steps to limit loss and recover money &#124; Personal Finance &#8211; Business Standard</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/not-just-rs-12-lakh-how-rs-14-65-lakh-salary-can-be-tax-free-from-this-year-businesstoday/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T08:30:14+00:00</news:publication_date><news:title>Not just Rs 12 Lakh: How Rs 14.65 lakh salary can be tax free from this year &#8211; BusinessToday</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/no-knowledge-of-tax-portal-itat-says-lack-of-digital-literacy-valid-reason-for-relief-to-taxpayers-money-news-the-financial-express/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T07:09:55+00:00</news:publication_date><news:title>No knowledge of tax portal? ITAT says lack of digital literacy valid reason for relief to taxpayers &#8211; Money News &#124; The Financial Express</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/133818/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T02:03:56+00:00</news:publication_date><news:title>Mr Kevin Warsh&#8211;US Fed Chief Nominee&#8211;[1] I do not believe the operational independence of monetary policy is particularly threatened when elected officials&#8211;presidents-senators or members of House&#8211;state their views on interest rates [2] Inflation is a choice and the Fed must take responsibility for it&#8211;[3] Low inflation is Fed&#8217;s plot amount &#8211;Courtesy BS</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/133816/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T02:03:20+00:00</news:publication_date><news:title>Form 121&#8211;What it is ? &#8212; TDS declaration framework-Old form 15G-15H merged into Form 121-[2] Catch point- need to estimate total income correctly&#8211; [3] Need to glance through the article&#8211;Courtesy BS</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/133814/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T02:02:52+00:00</news:publication_date><news:title></news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/22/133812/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T02:02:26+00:00</news:publication_date><news:title>POSH complaints&#8211; a worrying data about big wigs in the Corporate world&#8211;</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/itr-filing-fy-2025-26-step-by-step-guide-for-salaried-professionals/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T14:47:19+00:00</news:publication_date><news:title>ITR Filing FY 2025-26: Step by Step Guide for Salaried Professionals</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/no-pan-no-taxable-income-but-travelling-outside-india-you-must-file-this-form-compulsorily-businesstoday/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T12:34:44+00:00</news:publication_date><news:title>*No PAN, no taxable income, but travelling outside India? You must file this form compulsorily &#8211; BusinessToday</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/itr-filing-2026-dont-miss-these-key-income-tax-deadlines-for-fy-2025-26-ay-2026-27-the-economic-times/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T12:29:35+00:00</news:publication_date><news:title>*ITR filing 2026: Don’t miss these key income tax deadlines for FY 2025–26 (AY 2026-27) &#8211; The Economic Times</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/133793/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T12:03:38+00:00</news:publication_date><news:title></news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/rbi-guv-conflict-in-west-asia-affects-india-as-1-region-accounts-for-about-one-sixth-of-exports-2-one-fifth-of-imports-3-half-of-crude-oil-imports-4-two-fifths-of-fertilizer-imports-5-n/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T11:13:14+00:00</news:publication_date><news:title>RBI Guv &#8211;Conflict in West Asia affects India &#8212; as [1] region accounts for about one sixth of exports [2] one fifth of imports [3] half of crude oil imports [4] two fifths of fertilizer imports [5] nearly two fifths of inward remittances &#8212; in all the 5 areas India is impacted adversely &#8212; Courtesy BS</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/data-breaches-reaches-new-horizon/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T03:38:35+00:00</news:publication_date><news:title>Data breaches &#8212; reaches new horizon</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/nearly-half-of-population-now-covered-by-health-insurance-says-govt-survey-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T02:30:00+00:00</news:publication_date><news:title>Nearly half of population now covered by health insurance, says govt survey &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/posh-complaints-edge-higher-but-experts-fear-significant-underreporting-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T02:28:08+00:00</news:publication_date><news:title>*POSH complaints edge higher, but experts fear significant underreporting  &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/a-major-health-challenge-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T02:20:00+00:00</news:publication_date><news:title>*A major health challenge &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/editorial-snooping-around-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T02:06:57+00:00</news:publication_date><news:title>Editorial. Snooping around &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/sbi-targets-balance-sheet-size-of-25-of-indias-gdp-by-2030-the-hindubusinessline/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T02:05:21+00:00</news:publication_date><news:title>SBI targets ‘balance-sheet size of 25% of India’s GDP by 2030’ &#8211; The HinduBusinessLine</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/three-pvt-bank-officials-held-in-%e2%82%b92500-cr-cyber-fraud-case-in-gujarat-india-news-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T02:02:44+00:00</news:publication_date><news:title>*Three pvt bank officials held in ₹2,500 cr cyber fraud case in Gujarat &#124; India News &#8211; Business Standard</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/cji-flags-rise-in-digital-arrest-scams-says-even-educated-falling-prey-india-news-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T01:58:57+00:00</news:publication_date><news:title>*CJI flags rise in &#8216;digital arrest&#8217; scams, says even educated falling prey &#124; India News &#8211; Business Standard</news:title></news:news></url><url><loc>https://aniltikotekar4sme.com/2026/04/21/let-the-rupee-move-freely-rbi-intervention-risks-more-harm-than-good-expert-views-business-standard/</loc><news:news><news:publication><news:name>aniltikotekar4sme.com</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-21T01:50:52+00:00</news:publication_date><news:title>*Let the rupee move freely: RBI intervention risks more harm than good &#124; Expert Views &#8211; Business Standard</news:title></news:news></url></urlset>
