Deep, math-driven analysis on Indian taxation, ITR filing, capital gains, stock research, and household finance. No generic advice — every article verified against the Income Tax Act, SEBI norms, and real CA practice.
Section 80D caps your premium deduction. It says nothing about how large your policy should be — and under the new regime it is worth nothing at all. A method for arriving at your own sum insured, rather than another list of numbers.
Read the full article →Fresh analysis on the tax and market questions Indian households are asking right now.
Four situations, four different answers — not filed yet, filed within the due date, due date already passed, and business income with Form 10-IEA. Including the one everyone gets backwards about belated returns.
INDmoney tracks money well. Filing is a separate job, and for most people a separate app. A comparison of where the tracking ends, and the two platforms that put tracking and CA-reviewed ITR filing in one account. Snapshot as of September 2026.
A comparison of the ITR filing platforms people actually weigh against ClearTax — TaxBuddy, Tax2Win and Quicko — on the four things that genuinely differ: notice handling, HUF support, broker import and whether a CA reads your return. Snapshot as of August 2026.
A comparison of Richify, Simplify Money, INDmoney, ET Money and Groww, described the way each platform describes itself — plus where VittSphere ONE's CA-reviewed filing, HUF planning and Stock X-Ray fit. Snapshot as of August 2026.
Most Indian households track money person by person and never add it up. A practical method for one combined family net worth view — the four categories, a worked example with the arithmetic shown, and why the HUF is the part that gets forgotten.
From FY 2026-27, children's education allowance is Rs 3,000 a month and hostel allowance Rs 9,000 a month. Bengaluru, Hyderabad, Pune and Ahmedabad join the 50% HRA list. How much of this is real money, and why it will not arrive automatically.
From ITR filing to forensic stock analysis — comprehensive coverage of every financial decision an Indian household faces.
Income tax return filing guides for FY 2025-26 (AY 2026-27)
A comparison of the ITR filing platforms people actually weigh against ClearTax — TaxBuddy, Tax2Win and Quicko — on the four things that genuinely differ: notice handling, HUF support, broker import and whether a CA reads your return. Snapshot as of August 2026.
Finance Act 2026 permanently staggered ITR due dates for AY 2026-27 — 31 July, 31 August, 31 October, 30 November. CA-verified guide on which date applies to you, why it follows the nature of your income and not your ITR form number, plus 234F fee, 234A interest, and the new Section 234-I revised-return fee.
CA-verified guide to delayed income tax refunds for AY 2026-27. Why processing starts only after e-verification, the official 4-5 week timeline, the 30-day e-verification window, inoperative PAN and bank pre-validation failures, AIS mismatches, and the Section 143(1) intimation you should actually read.
Old vs new regime, 80C optimisation, HUF, deductions
Four situations, four different answers — not filed yet, filed within the due date, due date already passed, and business income with Form 10-IEA. Including the one everyone gets backwards about belated returns.
From FY 2026-27, children's education allowance is Rs 3,000 a month and hostel allowance Rs 9,000 a month. Bengaluru, Hyderabad, Pune and Ahmedabad join the 50% HRA list. How much of this is real money, and why it will not arrive automatically.
Revised perquisite valuations effective 1 April 2026 — company car, chauffeur, meals, gifts, free education and medical loans. What did not change for rent-free accommodation, and which table circulating online is wrong.
GSTR-3B, GSTR-9, ITC reconciliation, blocked credits, RCM
Who e-invoicing applies to, which year's turnover is tested, and which turnover slab the 30-day IRN reporting rule covers. Once you cross Rs 5 crore there is no exit route in GST law — a point most businesses discover late.
The Entry 12AA exemption for hostel and PG accommodation — 90 continuous days and Rs 20,000 per person per month, effective 15 July 2024, and what Circular 228/22/2024 says about the earlier period.
New GST rates on hotel rooms and food charges. Why the Rs 7,500 test runs on value of supply rather than declared tariff, how specified premises is determined and declared, and why a hotel taxed at 5% on rooms can be at 18% on its restaurant.
Forensic equity analysis, valuation, governance signals
Every Indian sector has unique metrics, structural peculiarities, and red flags. Complete sector frameworks for Banks, NBFCs, IT, Pharma, FMCG, Auto, Cement, Steel, Real Estate, and Power - with key metrics, valuation approaches, and analytical priorities.
The Auditor's Report is the first page of every Annual Report — and the most important for risk assessment. Master Unqualified vs Qualified vs Adverse opinions, Key Audit Matters, Emphasis of Matter, Going Concern warnings, and CARO 2020 disclosures.
MD&A is where management speaks directly to shareholders. Mandatory under SEBI LODR Schedule V, it reveals company strategy, risks, and forward outlook. Complete framework for extracting investor signals, including tone analysis, red flags, and year-over-year comparison.
Insurance, emergency fund, credit cards, retirement
Section 80D caps your premium deduction. It says nothing about how large your policy should be — and under the new regime it is worth nothing at all. A method for arriving at your own sum insured, rather than another list of numbers.
INDmoney tracks money well. Filing is a separate job, and for most people a separate app. A comparison of where the tracking ends, and the two platforms that put tracking and CA-reviewed ITR filing in one account. Snapshot as of September 2026.
A comparison of Richify, Simplify Money, INDmoney, ET Money and Groww, described the way each platform describes itself — plus where VittSphere ONE's CA-reviewed filing, HUF planning and Stock X-Ray fit. Snapshot as of August 2026.
STCG, LTCG, Section 54F, broker P&L parsing
CGAS 1988 explained — the deposit deadline under Section 54, 54F and related exemptions, Type A versus Type B accounts, the forms for withdrawal and closure, the 60-day reinvestment rule, and exactly when unutilised money becomes taxable.
Resident individuals and HUFs selling land or buildings acquired on or before 22 July 2024 can choose between 12.5% without indexation and 20% with indexation. Who qualifies, how to run both computations, and the loss restriction that catches people out.
Section 112A grandfathering explained with worked examples — the lower-of and higher-of steps, why the rule can never create an artificial loss, what happens when the price fell after 31 January 2018, and how much tax it actually saves.
Proprietorship vs Pvt Ltd vs LLP, MSME Udyam, MUDRA, Section 43B(h)
Voluntary strike-off under Section 248(2) — the two eligibility conditions, the Rs 10,000 government fee, which companies cannot apply, the STK-3, STK-4 and STK-8 documents, the 30-day rule on the statement of accounts, and what directors remain liable for.
DIR-3 KYC is due 30 September 2026 for every director holding a DIN. Missing it deactivates the DIN and costs Rs 5,000 per director to restore. Who has to file, the difference between DIR-3 KYC and the web form, and what a deactivated DIN actually blocks.
Complete ROC calendar for private limited companies and LLPs for FY 2025-26 — AGM by 30 September 2026, ADT-1 by 15 October, AOC-4 by 30 October, MGT-7 by 29 November, plus late fees and which ones carry no cap at all.
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