Section 89(1) Relief & Form 10E: Cut Tax on Salary Arrears
Received salary arrears that pushed you into a higher slab? Section 89(1) relief and Form 10E explained — how relief is computed and why Form 10E must be filed first.
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Intimation under Section 143(1): How to Read It and Respond
Got a Section 143(1) intimation after filing your ITR? What it means, the three outcomes, the PDF password, common mismatches and how to respond to a demand or refund.
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How to e-Verify Your ITR: All 6 Methods + the 30-Day Rule
How to e-verify your income tax return: Aadhaar OTP, net banking, bank/demat/ATM EVC, DSC and ITR-V by post — plus the 30-day deadline you must not miss.
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Income from House Property: Self-Occupied vs Let-Out (FY 2025-26 & 2026-27)
How income from house property is taxed in India: GAV, 30% standard deduction, home-loan interest, the two-home rule, and self-occupied vs let-out treatment for AY 2026-27.
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Set-Off and Carry-Forward of Losses: Rules for FY 2025-26 & 2026-27
How to set off and carry forward capital, house-property, business and F&O losses in India — set-off order, time limits, and the filing deadline that protects them.
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Standard Deduction FY 2025-26 & FY 2026-27: ₹75,000 (New Regime) vs ₹50,000 (Old)
Standard deduction for FY 2025-26 is ₹75,000 under the new regime and ₹50,000 under the old. Who can claim it, pensioners, family pension and worked examples.
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Section 87A Rebate FY 2026-27 & 2025-26: How ₹12 Lakh Income Becomes Tax-Free
Section 87A rebate FY 2025-26: income up to ₹12 lakh (₹12.75 lakh salaried) is tax-free under the new regime. Slabs, marginal relief and the capital-gains catch explained.
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Is No-Cost EMI Really Free? The Truth (India 2026)
“No-cost EMI” is one of the most seductive phrases in Indian retail — buy that phone or appliance now, pay in easy monthly instalments, and apparently pay no extra. It sounds like free credit. But is it truly free, or is the cost simply hidden somewhere you’re not looking? Understanding how no-cost EMI actually works…
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Loan Against Property vs Personal Loan (India 2026): Which to Choose?
When you need a large sum of money, two common options are a personal loan (unsecured, quick, but costly) and a loan against property (secured by your real estate, cheaper, but with your property at stake). They suit very different needs, and choosing wrong can mean either paying far too much interest or putting your…
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7 Credit Score Myths in India, Debunked (2026)
Your credit score quietly shapes your financial life — whether you get a loan, at what interest rate, and even your credit-card limits — yet it is surrounded by myths that lead people to make exactly the wrong moves. “Checking my score lowers it.” “Closing old cards helps.” “I should avoid credit cards entirely.” Believing…
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Real Estate vs Mutual Funds in India (2026): Which Is Better?
“Property never falls” versus “the market always wins” — the debate between real estate and mutual funds is one of the most emotionally charged in Indian personal finance. Both can build wealth, but they behave very differently in terms of returns, liquidity, effort, costs, and risk. The right choice depends on your goals, capital, and…
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Tax-Saving Beyond Section 80C in India (2026): Deductions You Might Miss
Most Indians know about Section 80C — the ₹1.5 lakh deduction for investments like PPF, ELSS, and EPF. But many stop there, leaving other legitimate tax-saving avenues unused. Under the old tax regime, there are several deductions beyond 80C that can further reduce your taxable income — for health insurance, home-loan interest, NPS, donations, education…