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Mohammad Bilal, Founder & Editor of Samjho India

Founder & Editor

Mohammad Bilal

Mohammad Bilal is the founder and editor of Samjho India. He writes and reviews plain-language guides on Indian money, documents, government schemes and education.

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About Mohammad Bilal

Mohammad Bilal started Samjho India to make the paperwork of everyday Indian life easier to understand — the payslip, the loan offer, the scholarship form, the scheme application. He writes and reviews every guide with one question in mind: would a smart person with no finance background understand this on the first read?

He is responsible for the site's editorial direction: choosing what to cover, checking official links and figures, and correcting pages when a rule changes. He is not a government officer, a bank employee or a licensed financial adviser, and Samjho does not pretend otherwise.

What he covers

  • Money basics — EMIs, GST, credit scores, interest and household budgeting.
  • Documents — PAN, Aadhaar, Udyam, voter ID and other official paperwork.
  • Government schemes — eligibility, benefits, documents and application steps.
  • Education — CGPA, scholarships, admissions and student finance.
  • Small business — registration, compliance and official portals.

How he works

Every guide starts with an official source: the department's notification, the regulator's circular or the scheme's own portal. He writes in plain English, links the primary source, and updates a page when the rule changes. The editorial policy explains the full process, including the 48-hour correction target for verified errors.

Latest articles written and reviewed by Mohammad Bilal

These are the most recently updated guides on Samjho. Every one was written or reviewed and approved by the editor before publication.

Browse all guides →

Corrections and contact

Found an error in a guide? Email hello@samjhoindia.com with the page URL and the correction. Verified errors are fixed within 48 hours. For everything else, use the contact page.