Your blog category
Operational checklist for Indian job switches – EPF transfer mechanics, gratuity 5-year rule, ESOP vesting timing, notice period buyout, leave encashment tax, health insurance gap, day-1 new company actions, 7 mistakes to avoid.
Last verified: May 2026 against IRDAI Annual Report 2024-25 (claim settlement ratios) and current 2026 premium rates from major Indian life insurers. The 30-second answer For most Indian salaried adults with dependents, the right life insurance is a pure term plan with cover of 10-15× annual income, term until age 60-65, from an insurer with…
Will writing, nominee vs legal heir, succession certificate, joint accounts, and estate-planning structures for Indians. Why nominee alone isn’t enough.
Stamp duty rates by state for property purchase in 2026 — Maharashtra 6%, Karnataka 5%, Delhi 6%, Tamil Nadu 7%. Registration fees and ways to save legally.
Emergency fund sizing for Indians — 6 months for salaried, 12 months for self-employed. Where to park: savings, FD, liquid fund, sweep-in. Real allocation framework.
ASBA, UPI mandate, retail vs HNI category, allotment math, grey market premium reality, and listing-day strategy for Indian IPOs in 2026.
Annual Information Statement (AIS) vs Form 26AS — what’s in each, common mismatches, how to file feedback for incorrect entries, and why reconciliation prevents notices.
ESOPs and RSUs are taxed twice — at vesting/exercise (perquisite) and at sale (capital gain). Full math for foreign-parent and Indian-listed companies, with Schedule FA disclosure rules.
Complete step-by-step ITR filing guide for FY 2025-26. Document checklist, AIS reconciliation, form selection, common errors, and submission process on incometax.gov.in.
Decode your CTC to in-hand salary for FY 2025-26. Full payslip breakdown — basic, HRA, special allowance, EPF, gratuity, professional tax, TDS — with worked examples.