No-cost EMI and Buy Now Pay Later, with the worked maths: processing fees, GST on interest, blocked card limits and the upfront discount you give up.
Seven copy-ready letters for wrong charges, recovery harassment, rejection reasons, credit report errors, cooling-off exit, NOCs and data deletion, plus the RBI escalation summary.
Since 1 July 2026 lenders report to credit bureaus four times a month. What changed, how fast payments and missed EMIs now show, and your rights when the data is wrong.
Banks must give the main reasons for a loan rejection in writing. How to ask, how to read the answer, how to check your credit report, and the 21/30-day correction clock.
When lenders can and cannot charge for prepaying or foreclosing a loan under the RBI’s 2025 directions, a worked example of what prepaying saves, and how to close a loan cleanly.
Every digital loan from a bank or NBFC has a cooling-off period of at least one day. What exiting costs, with a worked example, and how to do it.
Calling hours, notice before visits, ID, recorded calls and no contact at sensitive times: the RBI rules on recovery agents today and from 1 January 2027, and what to do if an agent crosses the line.
What a lender may ask for, what loan apps must never access, and what the DPDP Rules (notified 13 November 2025) add, phase by phase, as of October 2026.
What a Key Fact Statement is, how to read each line, why APR matters more than the interest rate, and a 10-point check before you sign any loan.
Claiming HRA (House Rent Allowance) exemption is one of the most common ways for company employees in India to save on taxes. If you are
There are several tax-saving instruments available for company employees in India to reduce their taxable income and lower their tax liability. These include: 1. Public
On Diwali, everyone enjoys giving and receiving presents. People exchange many types of presents, such as cash, sweets, clothes, gold jewellery, gadgets, and so on!
In short: Renting a house to someone who lives in it is exempt from GST. Renting commercial property such as a shop or office attracts
Personal loan interest is deductible only if the money buys, builds or repairs a house, or funds a business. Seven situations, old vs new regime, under the Income-tax Act, 2025.
With the rate on modest savings and deposits decreasing year after year, investors have the option of investing their hard-earned money in the stock market
In short: It depends on what kind of “salary advance” you got. If your employer paid you salary before it was due and you do
NRI income received outside of India is not taxed in India by default. However, if an NRI’s income in India exceeds the basic exemption ceiling
Completing one’s tax planning exercise at the fag end of the FY comes with its own share of risks. In a hurry to save tax,
National Pension System National Pension System (NPS) is a low cost, tax-efficient and flexible retirement savings scheme launched by the government of India. It is
Equity-linked savings schemes (ELSS) are tax-saving financial instruments and offer tax benefits under section 80C of the Income Tax (IT) Act. Such funds invest a
People are always on the lookout for opportunities to save income tax. No one likes to miss out on options that can save them money
In short: Property tax is an annual tax that your city or village local body (municipal corporation, municipality or panchayat) charges on land and buildings
What is TDS? TDS is the process of collecting tax as and when income is generated. It streamlines the process of collecting taxes for the
It’s that time of the year again, when our investments come again to the forefront. The investment receipts are all out, our inbox is full
Goods and Services Tax (GST) is considered the biggest reforms in India. However, one thing that has become the talking point is the mechanism of input
All Under GST, the return can be filed both online and offline. Under this new tax reform, there is common e-return for Central Goods &
An Individual / Assessee (also known as a taxpayer) file their Income-tax return, it is processed by the Income-tax Department. If there is any mistake/error/discrepancy
We all know that Income from salary, rental income and business income is taxable. But what about income from sale or purchase of shares? Income/Loss from
House Rent Allowance (HRA) is one of the most commonly received allowances by the salaried class. If you are paying rent for accommodation to a