Personal finance guides Hindi/Hinglish me — tax, investment, retirement. Complete FY 2026-27 content cluster Indian users ke liye.
Income Tax India FY 2026-27
Salary par kitna tax lagta hai? →
Naya vs purana regime, slab rates, 87A rebate, 80C/80D/HRA deductions — complete Hinglish guide salaried + business + freelancers ke liye.
HRA Exemption FY 2026-27
HRA kaise calculate karte hain? →
LEAST-of-3 formula, metro 50% vs non-metro 40%, rent receipt rules, Form 10BA. Mumbai worked example ₹3L full exemption.
Capital Gains Tax FY 2026-27
LTCG aur STCG par kitna tax? →
Equity 12.5% / 20%, property 12.5%, debt MFs slab rate. Asset-class-by-class table + Section 54/54F/54EC exemptions.
F&O Trading Tax FY 2026-27
F&O par kitna tax lagta hai? →
Slab rate (non-speculative business income), audit threshold ₹10cr, loss offset, Section 44AD presumptive 6%. ITR-3 filing.
Crypto / VDA Tax FY 2026-27
Bitcoin par kitna tax? →
Section 115BBH 30% flat tax + 1% TDS Section 194S. No loss offset, no carry-forward. Schedule VDA in ITR-2/ITR-3.
Advance Tax FY 2026-27
Advance tax kab aur kitna bharni hai? →
4 quarterly instalments (15 Jun/Sep/Dec/Mar), 15/45/75/100% thresholds, Section 234B/234C interest, senior citizen exemption, presumptive 44AD single-instalment.
NRI Tax India FY 2026-27
NRI ko kitna tax lagta hai? →
Section 6 residency tests, TDS rates (Section 195), DTAA benefits, NRO vs NRE income, property sale, ITR-2 filing — sab Hinglish me.
Section 80C FY 2026-27
80C ₹1.5 lakh deduction guide →
10 eligible options compared (EPF, PPF, ELSS, LIC, NSC, home loan, NPS, Sukanya, FD, ULIP). Tax savings + life-stage stack + decision rules.
NSC (National Savings Certificate) 2026
5-saal 80C tax-saving certificate →
National Savings Certificate 7.7% locked rate, 5-saal lock-in, Section 80C ₹1.5L deduction. Post office se buy. PPF, ELSS, 5-yr FD se comparison.
Section 80D Hindi 2026
Mediclaim ₹25K-₹1L tax deduction →
Medical insurance premium par ₹25,000 se ₹1 lakh tax deduction. Self + family + senior parents covered. Old regime only. Preventive checkup ₹5K included.
Section 80E Hindi 2026
Education loan interest unlimited deduction →
Education loan ka interest unlimited tax deduction (no cap). 8-saal max benefit. Foreign education bhi covered. ₹40L loan = ₹4.4L cumulative 30% slab saving.
Section 80G Hindi 2026
Donations par tax deduction (50% + 100%) →
Charitable donations par tax deduction — PM CARES + Swachh Bharat 100% uncapped, NGOs 50% capped at 10% income. Cash limit ₹2K. Old regime only.
Section 80TTA + 80TTB Hindi 2026
Savings + FD interest deduction →
Bank savings interest ₹10K (80TTA below 60) ya senior citizen ₹50K with FD (80TTB). Joint accounts share split. Old regime only.
Section 87A Hindi 2026
₹25K new regime / ₹12,500 old regime rebate →
Tax rebate — new regime ₹25K (income up to ₹7L = ZERO tax) ya old regime ₹12,500 (income up to ₹5L). Marginal relief, automatic application.
Section 54 + 54F Hindi 2026
Property LTCG tax exemption →
Property/asset sale ke baad new ghar khareedo + LTCG tax bachao. Section 54 (house→house) ya 54F (asset→house). ₹10cr cap, CGAS deposit, 2/3 saal window.
Section 80EEB Hindi 2026
Electric Vehicle loan interest ₹1.5L →
EV loan interest ₹1.5L deduction. Loan sanctioned April 2019-March 2023 only (window closed for new). 2-wheeler + 4-wheeler EV. Old regime only.
Section 54EC Hindi 2026
REC/NHAI bonds capital gains exemption →
Property/asset sale par LTCG tax bachao — REC, NHAI, PFC, IRFC bonds me ₹50L invest karke. 5-yr lock-in, 5.25% interest, 6-month window. Combo with 54/54F possible.
Section 80U Hindi 2026
Disability tax deduction ₹75K / ₹1.25L →
Differently-abled taxpayers ke liye flat tax deduction — ₹75K (40-80%) ya ₹1.25L (80%+ severe). No expense proof. Certificate from authorized medical authority. Old regime.
Section 80GG Hindi 2026
Rent deduction without HRA →
Self-employed ya salaried without HRA ke liye rent deduction. ₹5K monthly (₹60K annual) cap. LOWEST of 3 formulas. Form 10BA mandatory. Old regime only.
Tax Audit Section 44AB Hindi 2026
₹10cr turnover + Form 3CB/3CD →
Business turnover > ₹10 crore (digital) ya ₹1 crore (cash) ya ₹50 lakh profession mandatory audit. CA-conducted. Form 3CA/3CB + 3CD. Penalty 0.5% turnover.
GST Registration Hindi 2026
Business + service thresholds →
GST registration thresholds ₹40L goods / ₹20L services. Composition scheme ₹1.5cr cap. Inter-state mandatory. Online 13-step process via gst.gov.in.
Section 80EEA Hindi 2026
Affordable housing ₹1.5L extra deduction →
First-time buyer affordable housing additional ₹1.5L deduction over 24(b). Loan April 2019-March 2022, stamp duty ≤ ₹45L. Combined ₹5L max tax deduction with 80C.
GST Returns Hindi 2026
GSTR-1, GSTR-3B, GSTR-9 →
Monthly/quarterly GST returns filing — GSTR-1 (sales), GSTR-3B (summary + tax), GSTR-9 (annual). QRMP for ≤₹5cr. Late penalty ₹50/day. 13-step process.
GST e-Invoicing Hindi 2026
₹5cr+ mandatory IRP + IRN →
B2B invoicing mandatory if turnover > ₹5 crore. IRP portal pe IRN generate. QR code on invoice. GSTR-1 auto-population. Non-compliance penalty ₹10K per invoice.
Income Tax Notice Hindi 2026
143(1), 142(1), 148, 156 response →
Income Tax notice response complete guide. Section-by-section explanation, timelines, e-Proceedings portal, AIS discrepancy prevention. Engage CA for serious notices.
ITR Filing Hindi 2026
ITR-1, 2, 3, 4 forms guide →
ITR forms selection — ITR-1 (salary), ITR-2 (capital gains/NRI), ITR-3 (business), ITR-4 (presumptive). E-filing process, deadlines, refund tracking, common errors.
Section 44AD Hindi 2026
Presumptive business tax 6%/8% →
Small business presumptive taxation. ₹2cr (₹3cr digital) turnover. 6%/8% deemed profit, no audit, simplified ITR-4 filing. 5-year lock-in. Compliance ₹15-50K saving.
Section 80GGA Hindi 2026
Research donations 100% deduction (both regimes!) →
Scientific research + rural development donations 100% deduction. NO income cap. ₹2K cash limit. UNIQUE — both old + new regime allowed.
Business Structure Hindi 2026
LLP vs Pvt Ltd vs Proprietorship →
Sole Proprietorship vs LLP vs Private Limited Company. Tax (5-30% slab vs 31.2% vs 25.17%), compliance, liability, capital, funding options.
MSME Udyam Registration Hindi 2026
FREE online MSME registration + benefits →
Udyam Registration via udyamregistration.gov.in. FREE 10-min process. Micro/Small/Medium classifications. Priority lending, government tenders, late payment protection.
Section 80GGB Hindi 2026
Corporate political donations 100% →
Companies ke liye political party donations 100% deduction. Electronic mandatory, old regime only.
Section 80GGC Hindi 2026
Individual political donations 100% →
Individuals + HUFs + firms political donations 100% deduction. Electronic mandatory.
Section 80LA Hindi 2026
GIFT IFSC tax holiday →
OBU + IFSC units 100% income deduction first 5 years + 50% next 5. GIFT City Gandhinagar.
Section 80IBA Hindi 2026
Developer affordable housing tax holiday →
Real estate developers 100% profit deduction on affordable housing projects. ₹45L cap.
Section 80JJAA Hindi 2026
Employment generation tax →
Employers 30% additional deduction on new employees (₹25K cap) for 3 years. Both regimes!
Section 35 Hindi 2026
R&D expenditure 100% deduction →
Scientific research + experimental development 100% deductible. Pharma + biotech focused.
Section 80M Hindi 2026
Holding company dividend →
Indian companies inter-corporate dividend 100% deduction. Anti-cascading provision.
Section 80EE Hindi 2026
Historical first-time buyer ₹50K →
First-time home buyer ₹50K interest deduction. Loan sanctioned 2016-17 only (closed for new).
Section 44ADA Hindi 2026
Professional 50% presumptive tax →
Doctors, CAs, lawyers, consultants. 50% deemed profit on ₹75L receipts. ITR-4 simple.
Section 44AE Hindi 2026
Transport presumptive tax →
Goods transport ₹7,500/month per vehicle. Up to 10 vehicles. ITR-4 simple filing.
Section 115BBH Hindi 2026
VDA crypto 30% flat tax →
All cryptocurrencies + NFTs + DeFi 30% flat. NO loss offset, NO carry forward. Schedule VDA.
Section 194S Hindi 2026
VDA crypto 1% TDS →
VDA transfer 1% TDS. Exchange deducts. Threshold ₹10K/₹50K. Adjusted against 115BBH 30%.
NFT Tax India 2026 Hindi
30% + 1% TDS like crypto →
NFT = VDA. Section 115BBH 30% + Section 194S 1% TDS. Foreign platforms also taxable.
Crypto Mining Tax 2026 Hindi
Dual tax — mining + sale →
Mining time = FMV at slab. Sale time = 30% VDA. Business expense deductions (electricity, ASIC).
VDA Loss Setoff Hindi 2026
Crypto loss rules strict →
VDA loss CANNOT offset other income, CANNOT carry forward. Only same-year VDA gain offset.
OPC (One Person Company) Hindi 2026
Solo founder corporate structure →
Solo entrepreneur Pvt Ltd structure. Limited liability + ₹50L capital / ₹2cr turnover cap.
HUF Hindi 2026
Family separate tax entity →
Hindu Undivided Family separate PAN, ₹2.5L exemption + 80C + 80D. ₹1.5L+ family tax saving.
ESOP Tax India 2026 Hindi
3-stage taxation →
Grant (no tax) → Exercise (perquisite slab) → Sale (capital gains). Startup 80-IAC 5-yr deferral.
Startup India DPIIT Recognition 2026 Hindi
FREE recognition + benefits →
FREE online via startupindia.gov.in. 10-yr eligibility, 80-IAC tax holiday, angel tax exemption.
Section 80-IAC Hindi 2026
Startup 3-yr tax holiday →
DPIIT startups 3 consecutive years 100% tax holiday out of first 10 years. ₹100cr cap.
RERA Hindi 2026
Real estate regulation →
Developer project registration mandatory. Buyer protection — 1%/month penalty, escrow, 5-yr defect liability.
Trademark Registration India Hindi 2026
Brand protection ₹4.5K-9K →
Online via ipindia.gov.in. ₹4,500 individual/SME/Startup. 45 NICE classes. 10-yr renewable protection.
GST RCM Hindi 2026
Reverse Charge Mechanism →
Buyer pays GST directly. Notified services (GTA, legal, director). Notification 13/2017.
GST ITC Hindi 2026
Input Tax Credit detailed →
GSTR-2B auto-population, blocked credits Section 17(5), 180-day reversal, Section 16(4) time limit.
GST Refund Export Hindi 2026
LUT + RFD-01 process →
Export refund — LUT route, RFD-01 form, 60-day window, 90% provisional refund in 7 days.
GSTR-9 Walkthrough Hindi 2026
Annual return guide →
Annual GST return mandatory > ₹2cr. Reconciliation of monthly returns. December 31 deadline.
GST Audit Section 65 Hindi 2026
Department audit →
Tax officer audit. 15-day notice. Common findings — ITC, RCM, classification. 100%/10% penalty + 18% interest.
ROC Compliance Hindi 2026
Pvt Ltd annual filings →
AOC-4 + MGT-7A + DIR-3 KYC. Board meetings + AGM mandatory. ₹100/day late penalty + director disqualification.
SEBI Insider Trading Hindi 2026
UPSI compliance →
Listed company compliance. UPSI, designated persons, trading window, pre-clearance. Penalty ₹25cr+ + imprisonment.
Section 35CCA Hindi 2026
Rural development expenditure →
Business expense on NABARD-notified rural programs 100% deductible. CSR coordination.
87A Marginal Relief Hindi 2026
₹7L-₹7.27L marginal zone →
New regime marginal relief — tax capped at (income - ₹7L). Avoid 100% effective tax via NPS ₹50K contribution.
Section 115BAC Hindi 2026
New tax regime detailed →
Default new regime slabs ₹0-3-7-10-12-15-20-30L. ₹75K standard deduction. NO 80C/80D/HRA. Simplified.
Revised/Belated ITR Hindi 2026
After deadline filing →
Revised + Belated till December 31. Updated ITR 2-year window + 25-50% penalty.
P2P Crypto Hindi 2026
194S buyer responsibility →
P2P crypto trading. WazirX/Binance/LocalBitcoins. 194S 1% TDS = BUYER's responsibility.
RNOR Hindi 2026
Returning NRI status →
2-3 year transitional status. Foreign income NOT taxed during RNOR. Strategic asset realization window.
Form 67 FTC Hindi 2026
Foreign Tax Credit claim →
Indian residents claim CREDIT for foreign tax via DTAA. Lower of foreign tax or Indian tax on foreign income.
TRC + Form 10F Hindi 2026
NRI DTAA documentation →
Drops NRO TDS from 30% to 10-15% via DTAA. Annual filing. Saves ₹2L+ on ₹10L NRO interest.
Schedule FA Hindi 2026
Foreign assets disclosure →
Mandatory disclosure of foreign bank/investments/ESOPs/property. ₹10L per asset penalty + ED prosecution.
DTAA Process Hindi 2026
Tax treaty workflow →
Step-by-step: identify rates, obtain TRC, file Form 10F, lower TDS, file ITR, claim FTC. 95+ countries.
GST Real Estate Hindi 2026
Construction & property →
1% affordable, 5% other under-construction, ZERO ready possession. Commercial 12% with ITC.
GST Restaurants Hindi 2026
5% standalone, 18% AC + liquor →
5% no ITC standalone, 18% AC + liquor. Composition scheme 5% for < ₹1.5cr. Cloud kitchens.
GST e-Commerce TCS Hindi 2026
Amazon/Flipkart seller →
1% TCS by Amazon, Flipkart, Meesho. Seller GST mandatory (no threshold). GSTR-8 reconciliation.
LTA Deep Hindi 2026
Section 10(5) travel allowance →
Twice in 4-year block (2026-29). Domestic only. Air economy/AC tier. Family covered. OLD REGIME ONLY.
Gratuity Section 10(10) Deep Hindi 2026
₹20L lifetime exemption →
Formula (15 × salary × years) ÷ 26. 5-year minimum. ₹20L lifetime tax cap (private). Govt 100% exempt.
Leave Encashment Hindi 2026
Section 10(10AA) ₹25L exemption →
₹25L lifetime exemption (8x raise from ₹3L in 2023). Govt 100% exempt. Senior executives save ₹7L+.
VRS Section 10(10C) Hindi 2026
Voluntary Retirement ₹5L →
PSU + approved companies VRS. ₹5L lifetime tax exemption. Age 40+ or 10+ years service.
Form 16 + 12BB Hindi 2026
Salary documentation →
Form 16 employer TDS certificate. Form 12BB employee declaration. Reconcile with AIS + 26AS.
Will Preparation Hindi 2026
Estate planning India →
Indian Succession Act 1925. 2 witnesses required. Executor + probate. NRI cross-border wills.
Gift Tax Section 56(2)(x) Hindi 2026
Relatives + ₹50K threshold →
₹50K aggregate non-relatives threshold. RELATIVES unlimited tax-free. Marriage gifts + inheritance exempt.
ESOP Advance Tax Hindi 2026
Exercise + sale quarterly →
2 stages: exercise (perquisite slab) + sale (capital gains 12.5%). 15-45-75-100% quarterly.
Salary Structure Hindi 2026
CTC optimization + tax →
Basic 40-50%, HRA, LTA, NPS 10%, food coupons. Old vs new regime. ₹2-5L annual saving.
234A/B/C Hindi 2026
Advance tax penalty →
1% per month. 234A late filing + 234B shortfall + 234C installment. ₹5-50K typical penalty.
Schedule 112A Hindi 2026
Scrip-wise LTCG reporting →
Mandatory transaction-wise for LTCG on listed shares + equity MFs. Jan 31, 2018 FMV.
AMT 115JC Hindi 2026
Alternative Minimum Tax 18.5% →
18.5% on ATI > ₹20L. Triggered by SEZ 10AA + 80-IAC. Credit 15-yr carry-forward.
Section 269SS Hindi 2026
₹20K cash transaction limit →
Loans/deposits/advances ≤ ₹20K cash. 269T repayment mirror. 100% penalty 271D/271E.
House Property Income Hindi 2026
Sections 22-27 deep →
Self-occupied vs let-out vs deemed. 30% standard + Section 24(b) interest. 2 self-occupied NIL.
Cost Inflation Index Hindi 2026
CII indexation 348 →
FY 2026-27 CII = 348. LTCG indexation formula. Pre-July 2024 properties: 20% indexed OR 12.5% un-indexed.
TDS Rent 194I/IB Hindi 2026
10% + 5% rent TDS →
194I: 10% land/building > ₹2.4L. 194IB: 5% individual > ₹50K monthly. Form 26QC + 16C.
Section 195 NRI Hindi 2026
30% TDS + DTAA lower →
All NRI payments 20-30% TDS. TRC + Form 10F drops to 10-15%. Property + rent + interest + royalty.
GST Healthcare Hindi 2026
Hospital exempt + pharma →
Hospital + clinical 100% EXEMPT. Room > ₹5K/day: 5%. Cosmetic 18%. Life-saving drugs 5%.
GST Education Hindi 2026
Schools exempt + coaching 18% →
Recognized schools + colleges 100% EXEMPT. Coaching + EdTech + online courses 18%. Books 5%.
CGAS Hindi 2026
Deferred LTCG reinvestment →
Section 54/54F/54EC compliance. SBI + Canara Bank. Type A/B. 2-3 year window. Preserves exemption.
GST Hotels Hindi 2026
Tariff-tier rates →
₹1K-7.5K: 12%. > ₹7.5K: 18%. Restaurant + banquet. OTA platforms + corporate.
TCS 206C Hindi 2026
5% tour · 20% LRS →
Foreign tour > ₹7L: 5%. LRS > ₹7L: 20%. Education + medical 5%. Form 27D ITR claim.
Lower TDS 197 Hindi 2026
NRI property + senior →
TRACES Form 13. NRI property: avoids 20-30% on full value. Seniors low-income. 4-8 wks.
Angel Tax Hindi 2026
56(2)(viib) abolished 2024 →
Premium above FMV historic. ABOLISHED 2024 — major relief. DPIIT startups separate exempt.
Pvt Ltd Tax Hindi 2026
22%/25% + MAT →
115BAA 22% (no MAT). 115BAB 15% new mfg. 25% ≤ ₹400cr. DDT abolished 2020.
GST Transport Hindi 2026
Logistics/freight/passenger →
GTA 5%/12%. Radio taxi 5%. Train AC 5%, non-AC 0. Courier 18%. E-way bill > ₹50K.
GST IT Services Hindi 2026
Software/SaaS 18% →
Domestic 18%. Export ZERO-rated via LUT. SaaS, software, app dev all 18%.
GST Banking Hindi 2026
Charges + processing 18% →
Account + loan processing + credit card + locker + forex 18%. Interest EXEMPT.
GST Construction Hindi 2026
Works contract 5/12/18% →
Residential 5%/1%. Commercial 18%. Govt infra 12%. Ready possession ZERO GST.
NRI Bank Accounts Hindi 2026
NRE/NRO/FCNR →
NRE repatriable + tax-free. NRO Indian income + taxable. FCNR foreign currency FD. RFC for returnees.
FEMA Overview Hindi 2026
Foreign exchange management →
FEMA 1999. Current vs capital account. NRI property + investment. LRS $250K. Civil penalties.
FCRA Hindi 2026
NGO foreign funding →
NGO/trust foreign donations. SBI Delhi account mandatory. FC-4 returns. 20% admin cap. No sub-granting.
Tax Residency Tie-Breaker Hindi 2026
Dual resident DTAA →
DTAA Article 4: permanent home → vital interests → habitual abode → nationality. Section 6 test.
GST Gold Jewellery Hindi 2026
3% gold + 5% making →
3% gold value + 5% making charges. Hallmark HUID. SGB/ETF avoid GST for investment.
GST Textiles Hindi 2026
Fabric 5% apparel 5/12% →
Fabric 5%. Apparel ≤₹1000: 5%, >₹1000: 12%. Job work 5%. Inverted duty refund.
TDS 194J Hindi 2026
Professional fees 10% →
10% professional (CA/doctor/lawyer), 2% technical. ₹30K threshold. Freelancer 44ADA + refund.
TDS 194C Hindi 2026
Contractor 1%/2% →
1% individual, 2% others. ₹30K single / ₹1L aggregate. Transporter NIL. Works contract.
TDS 194O Hindi 2026
E-commerce seller 0.1% →
0.1% income tax TDS by Amazon/Flipkart. ₹5L threshold. Separate from GST TCS 1%.
ITR-1 Sahaj Hindi 2026
Salaried simple ITR →
Salary + one house + interest ≤ ₹50L. Pre-filled + AIS reconcile. Old vs new regime. e-Verify.
ITR-2 Hindi 2026
Capital gains + properties →
Capital gains + multiple properties + foreign assets + NRI. Schedule CG + 112A + FA.
ITR-3 Hindi 2026
Business + F&O + profession →
Business + F&O + freelance. Balance sheet + P&L + Schedule BP. Tax audit thresholds.
ITR-4 Sugam Hindi 2026
Presumptive 44AD/ADA/AE →
Presumptive: 44AD 8%/6%, 44ADA 50% (₹75L), 44AE transport. No books/audit. Simplest small biz.
Tax Audit 44AB Deep Hindi 2026
Audit thresholds + 3CD →
₹1cr business / ₹10cr digital / ₹50L profession. Form 3CA/3CB + 3CD. Penalty 0.5%/₹1.5L.
TDS 194H Hindi 2026
Commission 2% →
2% on commission + brokerage (down from 5% Oct 2024). ₹15K threshold. Real estate brokers.
TDS 194A Hindi 2026
Bank interest 10% + 15G/H →
10% FD interest over ₹40K (₹50K senior). Form 15G/15H avoids TDS. 80TTB for seniors.
GST Composition Hindi 2026
1%/5%/6% small business →
1% traders, 5% restaurants, 6% services. Up to ₹1.5cr. No ITC, intra-state. CMP-08 + GSTR-4.
GST ISD Hindi 2026
Input Service Distributor →
Distribute common service ITC across branches. Mandatory April 2025. GSTR-6 monthly.
GSTR-9C Hindi 2026
Reconciliation over ₹5cr →
Reconcile GSTR-9 with audited financials. Over ₹5cr. Self-certified since 2021. Due Dec 31.
Health Insurance Claim Hindi 2026
Cashless + reimbursement →
Network hospital cashless vs reimbursement. Pre-auth + documents. Avoid rejection. 80D deduction.
Term Insurance Claim Hindi 2026
Death claim settlement →
Nominee intimation + 30-day settlement. Section 45 incontestable after 3 yrs. 95%+ CSR insurer.
Mutual Fund SIP India 2026
SIP kaise shuru karein? →
Nifty 50 index funds, step-up SIP, returns projection table (₹2K-50K monthly), step-by-step setup on Groww / Zerodha Coin / Kuvera. Tax treatment.
Step-Up SIP
Step-up SIP kaise set karein? →
Incremental / top-up SIP — annual 5-10% increase se corpus 2-3× badhata hai vs flat SIP. Comparison table + setup on Groww / Zerodha Coin / Kuvera.
Gold Investing India 2026
Sona kaise kharidein 2026 me? →
Sovereign Gold Bonds (SGB), Gold ETFs, digital gold (Paytm/PhonePe), jewelry compared. 2.5% extra SGB interest, tax treatment, portfolio allocation.
REITs & InvITs India 2026
Real estate me bina property kharide invest karein →
Embassy, Mindspace, Brookfield, Nexus REITs + 3 InvITs compared. ₹10K se invest, 6-11% distribution yield, capital appreciation potential.
Cryptocurrency Types 2026
Bitcoin, Ethereum, NFTs, DeFi explained →
6 crypto types compared (BTC, ETH, stablecoins, DeFi tokens, NFTs, memecoins). Risk hierarchy, Indian tax (Section 115BBH 30%), portfolio allocation guidance.
Silver Investing India 2026
Silver ETF, physical, futures compared →
Silver investment 6 options compared — ETF, physical, digital, futures. Gold-silver ratio analysis, 12.5% LTCG tax, 2-5% portfolio allocation.
Copper Investing India 2026
Green transition + EV ka 'new oil' →
Copper investing 6 options — MCX futures, Hindustan Copper, Vedanta, international miners via LRS. EV (80kg/vehicle) + renewable grid demand drivers.
SGB Deep-Dive Hindi 2026
Sovereign Gold Bonds tax-free maturity →
RBI gold-backed bonds. 8-yr maturity, 5-yr early exit. 2.5% interest + gold appreciation. Maturity TAX-FREE.
G-Secs Hindi 2026
Government Securities retail →
RBI Retail Direct portal. T-bills + dated G-Secs + SDLs. 7-7.5% yield. ZERO credit risk. ₹10K min.
Liquid MF Hindi 2026
Short-term parking 6-7% →
Emergency fund + idle money. T+1 redemption. Better than savings. Tax: slab post-July 2024.
Arbitrage MF Hindi 2026
Equity tax + debt return →
Cash + futures spread capture. 5-7% returns + EQUITY taxation (12.5% LTCG after 1 yr). Tax-efficient HNW.
Sector MF Hindi 2026
Pharma/Banking/IT focused →
Sector-focused investing. Higher risk + return potential. 5-15% tactical allocation. Equity tax.
Index Fund Deep Hindi 2026
Nifty 50, Sensex, Nifty Next 50 →
Passive investing. 0.1-0.4% expense. ~12% CAGR. ₹10K/month × 25yr = ₹1.85cr. Buffett-recommended.
ELSS Deep Hindi 2026
80C ₹1.5L + 12% growth →
Equity tax-saver. 3-yr lock-in (shortest 80C). 12-15% returns. Best 80C growth choice.
AIF Hindi 2026
Alternative Investment Funds →
HNW investing. ₹1cr min. Category I (VC), II (PE), III (hedge funds). SEBI regulated.
Bonds Comparison Hindi 2026
G-Secs, Corporate, Tax-Free →
G-Secs (7-7.5%), Corporate AAA (7.5-8.5%), Tax-free PSU (5.5-6.5%), RBI Floating (8.05%), SGB.
PMS vs MF Hindi 2026
HNW investment comparison →
PMS ₹50L min + direct ownership + customization. MF ₹500 SIP + pooled. Tax efficiency for HNW.
Crypto Exchanges Hindi 2026
CoinDCX, WazirX, ZebPay, Binance →
Indian exchanges 2026 — fees 0.1-0.5%, 194S TDS, KYC, WazirX 2024 hack lessons.
Options Greeks + Tax Hindi 2026
Delta/Gamma/Theta/Vega →
Greeks for risk management. F&O = business income at slab. ITR-3 + tax audit if turnover > ₹10cr.
ULIP Tax Post-2021 Hindi 2026
₹2.5L premium threshold →
Feb 2021 rule change. Premium > ₹2.5L: taxed like MF. Pre-2021 ULIPs grandfathered tax-free.
POMIS Hindi 2026
7.4% monthly income →
Post Office Monthly Income Scheme. 7.4% paid monthly. ₹9L individual / ₹15L joint. 5-year tenure.
MF FoF Hindi 2026
Fund of Funds strategy →
International + multi-asset + gold FoF. 2-layer fees. Post-2024: intl FoF taxed at slab.
NPS Tier 2 Deep Hindi 2026
Voluntary + liquid →
NO lock-in + NO 80C. Returns 9-10%. 0.01-0.09% expense (ultra-low). Mid-term goals.
Gold ETF vs Physical Hindi 2026
Tax + cost compare →
ETF lost LTCG (slab rate post-2024). Physical 12.5% LTCG after 24 mo. SGB tax-free maturity.
RBI LRS Deep Hindi 2026
$250K remittance →
$250K/FY per person. Foreign stocks + property + education. 20% TCS above ₹7L. Schedule FA disclosure.
Emergency Fund Hindi 2026
6-month safety net →
6 months (salaried), 9-12 (freelancer). Savings + sweep FD + liquid MF. Build before investing.
50/30/20 Budget Hindi 2026
Needs/wants/savings →
50% needs, 30% wants, 20% savings. India: metros 60/20/20, FIRE 40/20/40. Pay yourself first.
Life-Stage Portfolio Hindi 2026
Age-based asset mix →
Equity % = 110 - age. 20s: 80-90%. 60s+: 20-30%. Glide path + rebalancing + bucket strategy.
REIT Deep Hindi 2026
Embassy/Mindspace/Nexus →
Commercial real estate trusts. 90% distribution. 6-8% yield + appreciation. 3-component tax. ₹400/unit.
InvIT Deep Hindi 2026
IRB/IndiGrid/PowerGrid →
Infrastructure trusts — roads + power + pipelines. 8-12% yield. Concession + asset depletion risk.
T-Bills Hindi 2026
91/182/364 day government →
Short-term govt debt. Zero-coupon discount. 6.5-7% yield. Zero credit risk. RBI Retail Direct. Safest parking.
Corporate Bonds Hindi 2026
AAA/AA ratings + yield →
Company debt 7.5-10% by rating. NCDs. Bond platforms. Stick to AAA/AA. Credit risk. Slab tax.
Gratuity Calculator
Gratuity kaise calculate karte hain? →
Payment of Gratuity Act 1972 formula (Basic+DA × 15 × yrs ÷ 26). ₹20L tax-free cap Section 10(10). 5-saal eligibility.
NPS Tier 1 vs Tier 2
NPS Tier 1 ya Tier 2 — kaun better? →
Lock-in, tax benefits, withdrawal rules. ₹2L deduction (80CCD(1) + 80CCD(1B)). 60% lump sum tax-free + 40% mandatory annuity.
PPF India 2026
PPF par 7.1% tax-free return →
Public Provident Fund EEE tax treatment, ₹1.5L max contribution, 15-saal lock-in, maturity table (₹500–₹12,500 monthly), partial withdrawal + loan rules.
EPF India 2026
EPF kaise kaam karta hai? →
Employees' Provident Fund — 12% + 12% contribution, 8.25% interest, EEE tax treatment, UAN tracking, 5-scenario partial withdrawal (Para 68), ₹2.5L taxable interest cap.
Sukanya Samriddhi Yojana 2026
Girl child ke liye 8.2% tax-free →
SSY scheme — 8.2% guaranteed return, EEE tax treatment, ₹250-1.5L per FY, 21-yr maturity. India's best 80C placement for families with daughters.
NPS Vatsalya 2026
Bachon ke liye government pension scheme →
NPS Vatsalya 0-18 yrs ke liye launched Sep 2024. ₹1K minimum yearly, 60-yr compound = ₹3-12 crore retirement corpus. Long-term child wealth building.
NPS Asset Allocation Hindi 2026
Active vs Auto, E/C/G/A guide →
NPS me equity/corporate bond/government bond/alternative split. Active choice self-select ya Auto LC25/50/75 lifecycle. Age-based equity %.
Atal Pension Yojana 2026
Unorganized sector ₹5K monthly pension →
Government pension scheme for unorganized sector workers. Age 18-40 enroll, ₹1K-5K monthly pension at 60, spouse continuation, low contribution.
SCSS Senior Citizen 2026
8.2% quarterly income for retirees →
Senior Citizen Savings Scheme — government 8.2% rate, ₹30L max, QUARTERLY payouts, 5+3 yr tenure, 60+ eligibility. ₹30L → ₹61.5K/quarter retirement income.
VPF (Voluntary Provident Fund) 2026
8.25% tax-free EPF top-up →
Salaried employees ke liye EPF top-up — 12% mandatory ke upar additional contribution. 8.25% interest, EEE tax (₹2.5L cap), 100% basic salary tak possible.
RBI Floating Rate Bond 2026
8.05% government bond no cap →
RBI government-backed bond 8.05% (NSC + 0.35%), 7-yr tenure, NO maximum investment cap. Semi-annual payouts. Senior preferential withdrawal. HNW retiree option.
SCSS Deep Hindi 2026
Senior 8.2% ₹30L max →
₹30L max (2x raised in 2023). 8.2% quarterly. Couple ₹60L = ₹4.92L annual. Best senior scheme.
NPS Withdrawal Rules Hindi 2026
60/40 lumpsum + annuity →
Age 60: 60% tax-free + 40% mandatory annuity. Partial 25% pre-60. Premature 20/80 worse.
EPF Wage Ceiling Hindi 2026
₹15K basic + VPF top-up →
₹15K mandatory cap. 12%+12%. VPF voluntary 100%. ₹2.5L taxable interest threshold.
Family Pension Hindi 2026
Section 57(iia) ₹15K deduction →
Income from other sources. ₹15K standard deduction OR 1/3 (lower). Allowed in BOTH regimes.
EPF Withdrawal Hindi 2026
5-year tax-free rules →
5+ yrs continuous: 100% tax-free. Form 19/10C/31. Don't withdraw on job change — TRANSFER.
Retirement Corpus Hindi 2026
How much to retire →
25-33x annual expenses. EPF + NPS + PPF + equity SIP. ₹5cr = ₹17.5L/yr at 3.5% SWR. Start early.
FIRE India Hindi 2026
Retire early →
Lean/Fat/Coast FIRE. 28-33x corpus + 3-3.5% SWR. Savings rate 50-70% drives timeline.
PPF Extension Hindi 2026
Beyond 15 years →
5-year blocks with/without contribution. Form H. Tax-free 7.1% + flexible withdrawals. Retiree tool.
Sukanya Samriddhi Deep Hindi 2026
8.2% girl child →
Girl under 10. 8.2% (highest). ₹1.5L/year = ~₹70L tax-free. EEE. 50% at 18 for education.
NPS Vatsalya Deep Hindi 2026
Children pension →
Pension for kids under 18. ₹1,000 minimum. Converts to NPS at 18. 60-year compounding = multi-crore.
Home Loan India 2026
Home loan EMI kaise calculate karein? →
EMI formula, current bank rates (SBI / HDFC / ICICI / Bajaj HF), per-lakh EMI table, Section 24 + 80C tax benefits, women borrower concession.
Section 24(b) Hindi 2026
Home loan interest ₹2L deduction →
Home loan interest par ₹2L deduction (self-occupied) ya unlimited (let-out). Joint owners ₹4L combined. Construction 5-yr deadline. 80C + 24(b) = ₹3.5L stack.
Stamp Duty Maharashtra Hindi 2026
Mumbai/Pune property →
7% Mumbai + 1% LBT + metro cess. 4% rural. Women buyer 1% concession. IGRMaharashtra e-Stamping.
Stamp Duty Karnataka Hindi 2026
Bangalore property →
6.65% for > ₹45L, 3% for ₹35-45L, 2% for < ₹35L. Kaveri portal. A-Khata mandatory.
Stamp Duty Tamil Nadu Hindi 2026
Chennai property →
11% TOTAL (7% + 4%). Highest among major states. TNREGINET portal + Patta Chitta + EC mandatory.
Stamp Duty Delhi Hindi 2026
NCR property →
7% male, 5% female (2% saved — largest). NCR varies: Gurgaon 8.5%, Noida 8%. DORIS portal.
Stamp Duty UP Hindi 2026
Noida/Lucknow property →
8% male, 7% female. Noida, Ghaziabad NCR proximity. IGRSUP + Bhulekh verification.
Stamp Duty Gujarat Hindi 2026
Ahmedabad/Surat property →
5.9% TOTAL. LOWEST among major industrial states. GIFT City IFSC special 0.5%. GARVI portal.
Property Tax Municipal Hindi 2026
BBMP/BMC/MCD annual →
Municipal annual tax. BBMP Bangalore + BMC Mumbai + MCD Delhi + KMC Kolkata. Section 24(a) deduction.
Stamp Duty WB Hindi 2026
Kolkata property →
6-7% for < ₹1cr, 8% for > ₹1cr. Women 1% rebate. Banglar Bhumi land records. Gift 0.5%.
Stamp Duty TG Hindi 2026
Hyderabad 8.5% →
8.5% TOTAL. Dharani integrated land records. IGRS portal. HITEC City NRI investment popular.
Stamp Duty AP Hindi 2026
Visakhapatnam/Vijayawada →
7% TOTAL. Lower than Telangana. Webland + Pattadar Passbook + CARD portal.
Stamp Duty Rajasthan Hindi 2026
Jaipur/Jodhpur →
7% male, 6% female (1% saved). e-Panjiyan + Apna Khata + JDA approval Jaipur.
Stamp Duty MP Hindi 2026
Indore/Bhopal →
10.5% TOTAL. Indore IT + Bhopal admin. SAMPADA + MP Bhulekh.
Stamp Duty Haryana Hindi 2026
Gurgaon/Faridabad →
8.5% male, 6.5% female. NCR premium. JaminDariyaHaryana + Jamabandi.
Stamp Duty Kerala Hindi 2026
Kochi NRI hub →
10% TOTAL. NRI investment (Gulf diaspora). Thandapper + EC mandatory.
Stamp Duty Punjab Hindi 2026
Ludhiana NRI →
8% male, 6% female. Punjabi diaspora investment. Fard land records.
Stamp Duty Bihar Hindi 2026
Patna affordable →
8% TOTAL. Affordable markets. Bihar Bhumi + Khatian. Title verification critical.
Stamp Duty Odisha Hindi 2026
Bhubaneswar smart city →
7% male, 6% female. Bhulekh + RoR. Infosys/TCS IT hub Bhubaneswar.
Stamp Duty Jharkhand Hindi 2026
Ranchi/Jamshedpur →
7% TOTAL. WOMEN: ₹1 token up to ₹50L (huge). JharBhoomi. CNT/SPT tribal land restrictions.
Stamp Duty Chhattisgarh Hindi 2026
Raipur/Bhilai →
9% TOTAL. Women 1-2% concession. Bhuiyan records. Naya Raipur smart city growth.
Stamp Duty Assam Hindi 2026
Guwahati gateway →
5-6% + registration. Women concession. Dharitree records. Tribal belt restrictions.
Stamp Duty Uttarakhand Hindi 2026
Dehradun/Nainital →
5% + women concession. Hill-state outsider land restrictions (2025 law). Bhulekh records.
Stamp Duty Goa Hindi 2026
Panaji/villas →
Slab 3.5-6% by value + 3%. Villa hotspot. CRZ + comunidade complex titles.
Credit Score CIBIL Hindi 2026
750+ best rates →
300-900, 750+ ideal. Payment history + utilization. Improve in 6-12 months. Saves lakhs on home loan.
Har Hinglish page ke top par English calculator ka link milta hai. Aap directly English calculator par bhi jaa sakte ho:
Felix (AI CFO) + 4 specialist agents — tax, investment, retirement, real estate — ek hi app me Indian household ke liye built. Felix bilingual hai — Hindi me bhi guide kar sakta hai.
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