By removing the need for a physical card, UPI-ICD makes cash deposits more accessible, particularly for those who may not always have their card handy

Individual responsibility towards financial planning extends beyond personal gain to contribute to the well-being of the family, society, and the nation, says Bagchi. 

A reverse mortgage is a loan, typically obtained by cash-strapped older homeowners, based on the property’s current assumed market value, which they receive in instalments.