Topic
tax
12 guides on tax.
Tax
PAN card structure decoded — what each character means
Indian PAN is 10 chars: 5 letters + 4 digits + 1 letter. The 4th letter encodes holder type (P=Person, C=Company, F=Firm, T=Trust). Full breakdown inside.
3 min read
Tax
ITR-V — what is it, why you got it, and what to do next
ITR-V is the acknowledgement after you file ITR. If you e-verified with Aadhaar OTP / EVC, just save it. If not, sign and post to CPC Bengaluru within 30 days.
3 min read
Tax
Stamp duty in India by state — 2025 guide with concessions
Stamp duty rates across 28 Indian states & UTs. Tamil Nadu charges 11% total; Gujarat 5.9%. Women save 1-3% in many states. How to budget and what to register.
6 min read
Tax
GST on restaurant bills — 5% vs 18% and how to extract net price
Restaurant GST India: 5% (no ITC) for standalone, 18% (with ITC) in 5-star hotels. Extract net food price from inclusive bill — when service charge is legal.
5 min read
Finance
Home loan tax benefits — 80C, 24(b) & 80EEA explained for FY 2025-26
Home loan tax benefits FY 2025-26: principal ₹1.5L under 80C, interest ₹2L under 24(b), extra ₹1.5L under 80EEA for first-time buyers. Old regime only.
6 min read
Tax
Crypto tax in India — the 1% TDS + 30% flat tax explained
1% TDS u/s 194-S on every transfer over ₹10k; gains flat-taxed 30% u/s 115BBH; losses cannot be offset. The 2022 Finance Act killed crypto for retail.
3 min read
Tax
HRA exemption — the three-rule formula and 5 mistakes that cost you
HRA exemption = least of (a) actual HRA, (b) rent − 10% basic, (c) 50%/40% basic. Plus Aadhaar-PAN landlord rule, parents-as-landlord trick, self-employed.
3 min read
Daily
50 more tools — Crypto Tax, Gun Milan, Vastu Score, ULIP audit & more
50 new tools across 9 categories — Crypto Tax, ITR Form Selector, 87A Optimizer, AIS-26AS Reconciler, Gun Milan, Vastu Score, Choghadiya and more.
3 min read
Tax
EPF withdrawal tax — 5-year rule, Form 15G, 10%/30% TDS
EPF withdrawn before 5 years of continuous service is taxable. Learn when TDS applies, how Form 15G saves it, and the 30% no-PAN penalty.
2 min read
Tax
Am I an NRI? — 182/60+365 day test, RNOR, deemed resident
Indian tax residency is day-count only — not citizenship or PAN. The 182-day rule, the 60+365-day extension, RNOR carve-out and the deemed-resident trap.
2 min read
Daily
12 new free tools — NPS, Sukanya, Advance Tax, XIRR & more
New finance + tax tools: NPS projector, Sukanya Samriddhi, Advance Tax (234B/234C), TDS on Property (194-IA), TCS on LRS, NSC, SCSS, XIRR, CAGR, Net Worth.
4 min read
Finance
ESOP tax in India — perquisite + capital gains, with the new Budget 2024 rates
ESOPs are taxed at exercise (perquisite) and again at sale (capital gains). The new LTCG rate is 12.5%, STCG 20% on listed shares. With unlisted shares, watch the slab trap.
2 min read