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All 128 published guides on Indian tax, GST, accounting, investing, business finance and personal money — searchable, filterable, and open without a login.
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Dividend Income Tax in Tax Year 2026-27: What Changed
Dividends in tax year 2026-27: slab-rate tax, no interest deduction after Finance Act 2026, 10% TDS and the ₹10,000 exception, surcharge cap and buybacks.
Read article → GST & TaxTax Audit Under Section 63: Limits, Deadlines and the New Fee
Tax audit under section 63 (earlier 44AB) for tax year 2026-27: ₹1 crore, ₹10 crore and ₹50 lakh limits, presumptive cases, deadlines and the new fee.
Read article → GST & TaxForm 121 (Earlier 15G and 15H): Stopping TDS When Tax Is Nil
Form 121 replaces Forms 15G and 15H from tax year 2026-27. Who can file it under section 393(6), which income it covers, the conditions, and examples.
Read article → GST & TaxTCS on Foreign Remittances and Tour Packages After April 2026
From 1 April 2026, TCS is a flat 2% on overseas tour packages and 2% on LRS remittances for education or medical treatment. Other LRS remittances stay at 20%.
Read article → GST & TaxTDS Rates and Thresholds for Tax Year 2026-27: Section 393
TDS rates and thresholds for tax year 2026-27 under section 393: FD interest, rent, property, dividends, fees, contractors, with earlier section numbers.
Read article → GST & TaxCapital Gains on Selling Property in Tax Year 2026-27
Selling a house or land in tax year 2026-27: 12.5% or 20% with indexation for pre-July 2024 purchases, CII 384, stamp duty value, TDS, and sections 82, 85, 86.
Read article → GST & TaxFrom tax year 2026-27 a share buyback is taxed as capital gains, not dividend. How shareholders are taxed, the promoter additional tax, and worked examples.
Read article → GST & TaxHome Loan Tax Benefits Under the Income-tax Act, 2025
Home loan tax benefits for tax year 2026-27: interest under section 22 (earlier 24(b)), principal under section 123, let-out losses and the new regime.
Read article → GST & TaxDeductions Still Allowed Under the New Regime in 2026-27
What the new tax regime still allows in tax year 2026-27 under section 202(2): standard deduction, employer NPS, gratuity, leave encashment and more.
Read article → GST & TaxForm 130 (Earlier Form 16): Your Salary TDS Certificate
Form 130 replaces Form 16 from tax year 2026-27. What Parts A, B and C show, the 15 June deadline, job changes, and the related Forms 122, 123 and 124.
Read article → GST & TaxDebt Mutual Fund Tax Under Section 76 for Tax Year 2026-27
Debt fund units bought on or after 1 April 2023 are always short-term under section 76 and taxed at slab rates. Older units, hybrids and examples in rupees.
Read article → GST & TaxListed shares and equity fund units in tax year 2026-27: 20% short-term, 12.5% long-term above ₹1.25 lakh, the 12-month rule, 2018 grandfathering and examples.
Read article → GST & TaxAdvance Tax for Tax Year 2026-27: Due Dates and Interest
Advance tax for tax year 2026-27 under sections 403 to 408: the ₹10,000 test, 15/45/75/100% instalments, senior citizen exemption and interest worked in rupees.
Read article → GST & TaxSurcharge and Marginal Relief for Tax Year 2026-27, Worked
Surcharge rates above ₹50 lakh for tax year 2026-27, the 15% cap on capital gains and dividends, and marginal relief worked at ₹51 lakh and ₹1.01 crore.
Read article → GST & TaxTax Year vs Assessment Year: Which Label Applies From 2026
From 1 April 2026 the Income-tax Act, 2025 uses "tax year". What that means for FY 2025-26 returns, AY 2026-27, carried-forward losses and notices.
Read article → GST & TaxRevised and Updated Returns After Finance Act 2026
Found a mistake in a filed ITR? Revised-return deadlines, the new section 234-I fee, and updated-return extra tax for AY 2026-27 and tax year 2026-27.
Read article → GST & TaxCapital Loss Set-Off and Carry Forward Under the 2025 Act
How short-term and long-term capital losses are set off and carried forward from tax year 2026-27: sections 108, 109, 111 and 121, worked in rupees.
Read article → GST & TaxSovereign Gold Bond Tax After Finance Act 2026: Who Is Tax-Free
From tax year 2026-27, SGB redemption is tax-free only if an individual held the bond from original issue to maturity. Secondary buyers now pay tax.
Read article → GST & TaxHRA Exemption for Tax Year 2026-27: The Eight 50% Cities
HRA exemption for tax year 2026-27: the least-of-three test in rule 279, the eight cities that get 50% of salary, and a worked example in rupees.
Read article → GST & TaxNew Tax Regime Slabs for Tax Year 2026-27, With Worked Examples
New regime slabs for tax year 2026-27 under section 202, the ₹60,000 rebate up to ₹12 lakh, marginal relief, surcharge and cess, worked in rupees.
Read article → AccountingReviewing Accounts Payable Ageing: What to Look For Each Month
A payables ageing report shows who you owe and for how long. How to read it, spot duplicates and debit balances, and decide which bills to pay first.
Read article → Personal FinanceManaging Money as a Couple: A System That Avoids Arguments
Two incomes of ₹1.2 lakh and ₹80,000: splitting shared costs in proportion, a joint account for bills, personal money for each, and a monthly check-in.
Read article → InvestingStep-Up SIP: How Much to Increase Each Year and Why It Matters
₹10,000 a month for 20 years at 12% grows to about ₹99 lakh. Raise it 10% a year and it reaches about ₹1.97 crore. How to choose a step-up you can keep.
Read article → Business FinanceRaising Prices: How Many Customers Can You Afford to Lose?
With a 40% contribution margin, a 5% price rise still pays off if volume falls by less than 11%. The formula, a cost-increase case, and how to test a rise.
Read article → GST & TaxReconciling Your GST Ledgers to the Returns You Filed
Sales per books ₹42.5 lakh, per return ₹41.8 lakh. A monthly tie-out of sales, output tax and input credit ledgers to what was filed, with a worked example.
Read article → GST & TaxA Year-Round System for Your Tax Papers
Filing is easier when every certificate, statement and receipt has a place from April. A simple folder structure, a monthly habit and a pre-filing check.
Read article → AccountingPetty Cash on the Imprest System: Controls in Ten Minutes
A fixed ₹10,000 float, a voucher for every payment, and a top-up equal to what was spent. How the imprest system works, with the entries and a monthly count.
Read article → AccountingContingent Liabilities: Reading and Writing the Notes
A lawsuit, a guarantee, a disputed demand: when to book a provision, when to disclose a contingent liability, when to say nothing, and how to read the note.
Read article → AccountingAdvance Payments and Deferred Revenue: When Cash Isn’t Income
A customer pays ₹1.2 lakh upfront for a year's service. Only the months delivered are revenue. The entries, the monthly release, and why it matters.
Read article → AccountingInventory at Lower of Cost and Net Realisable Value
Stock bought at ₹800 a unit that will now sell for ₹650 after selling costs must be written down. How to work out NRV, item by item, with the entry.
Read article → AccountingProvision for Doubtful Debts: Estimating and Booking It
An ageing-based provision on ₹20 lakh of receivables, worked through: the rates, the journal entries, write-offs, recoveries and what the auditor will ask.
Read article → Personal FinanceLifestyle Inflation: Finding It in Your Own Bank Statement
Income up 29% in two years, spending up 44%, savings down. A one-hour method to compare old and new bank statements and see where the extra money went.
Read article → Personal FinanceHow Much Health Insurance Sum Insured Is Enough?
Size health cover from what a serious hospital stay costs in your city, not a round number. How floaters share cover, and where a super top-up fits.
Read article → Personal FinanceSetting Financial Goals in Future Rupees, Not Today’s
An education goal of ₹15 lakh today needs about ₹37.8 lakh in 12 years at 8% inflation. How to size goals in future rupees and the saving that follows.
Read article → Personal FinanceSave First or Borrow? Buying Something Big on a Loan
A ₹6 lakh purchase on a 3-year loan costs about ₹97,000 in interest. Saving the same EMI gets you there in 33 months. How to weigh waiting against borrowing.
Read article → Personal FinanceReading a Credit Card Statement: Minimum Due vs Total Due
Paying only the minimum on a ₹50,000 card bill can cost about ₹2,000 in a month. What each line on a card statement means and which figure to pay.
Read article → Personal FinanceA Household Budget That Survives Real Life: A Worked Method
A budget on ₹90,000 take-home, line by line: fixed costs, sinking funds for annual bills, saving first, and a spending allowance you can track in minutes.
Read article → InvestingThe P/E Ratio: What It Tells You and What It Hides
A P/E of 20 means paying ₹20 for each ₹1 of annual profit. How to read it, why one-off items distort it, and when a low P/E is not a bargain.
Read article → InvestingDividend Yield vs Total Return: Why a High Yield Can Mislead
A 5% dividend yield means little if the share price falls 10%. How to read dividend yield, payout ratio and total return together before buying for income.
Read article → InvestingTracking Error and Tracking Difference in Index Funds
Tracking difference is how much an index fund lagged its index; tracking error is how erratically. How to read both and which matters more when choosing a fund.
Read article → InvestingRebalancing a Portfolio: When, How Often and How Far
A 60:40 portfolio drifted to 65:35 after a strong year. How to bring it back, calendar or threshold rules, and ways to rebalance without selling.
Read article → Business SoftwareBank Feeds and Auto-Reconciliation: What They Miss
Automatic bank matching saves hours but matches only what it is shown. What bank feeds do well, the errors they let through, and checks to keep manual.
Read article → Business SoftwareSpreadsheet Controls: Stopping the Errors That Cost Money
Check totals, locked inputs, one-direction formulas and a review step: simple controls that stop a finance spreadsheet breaking without anyone noticing.
Read article → Business SoftwareSetting Up a Chart of Accounts Before You Import Anything
How to structure a small business chart of accounts: the five groups, a numbering scheme, how detailed to go, and separate GST and TDS ledgers.
Read article → Business FinanceRolling Forecasts: Replacing the Annual Budget Nobody Opens
A 12-month forecast that adds a month every month, built on a few drivers instead of hundreds of lines. How to set one up and keep it honest.
Read article → Business FinanceFive Numbers a Small Business Owner Should See Every Monday
Cash against the reserve, overdue receivables, new orders, weekly margin and payments due soon: a one-page Monday view that warns before the accounts do.
Read article → Business FinanceWhich Product Actually Makes Money: Profitability by Line
Allocate ₹30 lakh of overhead by revenue and one line breaks even; allocate by what drives the cost and it loses ₹12 lakh. How to measure line profit.
Read article → Business FinanceCustomer Concentration: When One Client Is a Risk to the Business
A business making ₹20 lakh with 45% of sales from one customer would lose ₹11.5 lakh a year without it. How to measure concentration and cut the risk.
Read article → Business SoftwareChoosing Accounting Software: A Decision Framework, Not a Ranking
The questions that should decide which accounting software a small Indian business uses: compliance, inventory, users, integrations, data and total cost.
Read article → Business SoftwareMoving to New Accounting Software: The Cut-Over Checklist
Pick a cut-over date, bring open invoices across one by one, prove the opening trial balance and run a month in parallel: the software switch checklist.
Read article → Business FinanceReading a Business Loan Sanction Letter Line by Line
Rate resets, fees, security, covenants, prepayment and penal charges: what each clause in a business loan sanction letter costs you, worked in rupees.
Read article → Personal FinanceYour Personal Balance Sheet: Building a Net Worth Statement
₹1.17 crore of assets and ₹55 lakh of loans make a ₹62 lakh net worth, but only ₹22 lakh the household could use. How to build the statement and read it.
Read article → AccountingThe Suspense Account: Why It Exists and How to Clear It
A trial balance out by ₹4,500, a suspense account to hold the difference, and the two errors behind it. How to trace the gap and post the corrections.
Read article → InvestingAveraging Down: What the Arithmetic Shows and What It Hides
Buying more at ₹300 cuts the rise needed to break even from 67% to 33%. It also doubles what you lose if the stock keeps falling. Both sides of the arithmetic.
Read article → InvestingHow to Read a Mutual Fund Factsheet
Expense ratio, turnover, standard deviation, Sharpe ratio, beta and, for debt funds, YTM and duration: what each factsheet number means and how to use it.
Read article → InvestingRolling Returns: Why a Fund’s 5-Year Return Can Mislead
The same fund can show 0.8%, 8.4% or 12.9% as its five-year return depending on the start date. How rolling returns remove that luck and what to read in them.
Read article → Business FinanceHow Much Cash Reserve a Small Business Should Hold
Size a minimum cash balance from fixed costs, your biggest customer's payment risk and upcoming statutory dues, worked for ₹6 lakh of monthly fixed costs.
Read article → Business FinanceInvoice Discounting or Overdraft: Pricing Receivables Finance
A 12% discount rate plus a 0.5% fee on a 60-day invoice costs about 15.8% a year, against 11.5% on an overdraft. How to compare the two on the same basis.
Read article → Business FinanceCustomer Acquisition Cost: How Long Before a Customer Pays Back
A ₹5,000 acquisition cost and ₹1,000 a month of margin looks like a 5-month payback. With churn it is closer to 6. How to compute CAC payback honestly.
Read article → Personal FinanceHow Much Term Insurance Cover You Need
Ten times income said ₹1.2 crore; a needs-based calculation for the same 35-year-old said ₹1.6 crore. How to work out the sum assured from real numbers.
Read article → Business SoftwareWhen Excel Stops Being Enough for Your Books
Spreadsheets suit a first year of simple books. Seven signs they have become a risk, what accounting software adds, and what spreadsheets still do best.
Read article → AccountingPrepaid and Accrued Expenses: The Month-End Entries
The four month-end adjustments: prepaid and accrued expenses, accrued income and income received in advance, with the journal entries in rupees.
Read article → Personal FinanceWhich Loan to Prepay First: Avalanche, Snowball and Exceptions
Card, personal loan, car loan and home loan: ₹1 lakh of spare cash saves ₹42,000 or ₹8,500 depending on where it goes. The order, and when to break it.
Read article → Personal FinanceHow Big Should Your Emergency Fund Be? A Method, Not a Rule
Size an emergency fund from essential expenses and how stable your income is, not a fixed six months. Worked for three Indian households, with where to keep it.
Read article → Business FinanceBudget vs Actual: Running a Monthly Review That Changes Decisions
A business planned ₹2.2 lakh of operating profit and made ₹41,000. How to lay out the monthly comparison, split the gap into causes, and act on it.
Read article → Business FinanceFixed or Variable: Classifying Costs From a Real Ledger
Sort a small business ledger into fixed, variable and mixed costs, split a mixed cost with the high-low method, and avoid errors that distort break-even.
Read article → Business FinanceContribution Margin: The Number Behind Every Pricing Decision
Why a special order that looks loss-making on full cost can add ₹1.6 lakh of profit, and why the product with the bigger margin is not always the one to make.
Read article → Business SoftwareIRR, XIRR and NPV in Excel: The Formulas and Their Traps
Why =NPV() gives a different answer from the textbook, when IRR needs XIRR instead, and the sign and period mistakes behind most wrong spreadsheet returns.
Read article → InvestingSequence Risk: Why the Order of Returns Matters in Retirement
Same ₹1 crore, same withdrawals, same average return: one retiree ends with ₹1.16 crore, the other ₹79 lakh. Why order matters and how to cut the risk.
Read article → InvestingWhat a 1% Expense Ratio Costs Over 20 Years
A one-percentage-point gap in expense ratio on a ₹10,000 SIP leaves about ₹9.6 lakh less after 20 years. Why fees compound, and how to compare them properly.
Read article → AccountingAccrual or Cash Basis: Why Your Profit Depends on the Method
The same month shows a ₹1.5 lakh loss on a cash basis and a ₹65,000 profit on accruals. What each method records, the entries behind it, and which one to trust.
Read article → AccountingHow to Read a Profit and Loss Statement
The Statement of Profit and Loss line by line, in the order Indian companies present it, with a worked example and the five figures worth computing from it.
Read article → Business FinanceDSCR: The Ratio That Decides How Much a Bank Will Lend
How the debt service coverage ratio is computed for a business loan, worked in rupees, and why a profitable business can still fail the test after one new loan.
Read article → Business FinanceWhat a 10% Discount Really Costs Your Margin
A 10% price cut on a 40% contribution margin needs a third more volume just to stand still. The formula, a ready table, and when a discount is still worth it.
Read article → Business FinanceCash Conversion Cycle: How Long Your Money Is Stuck
Days in stock plus days to collect, minus days you take to pay. How to compute the cycle from your own accounts, and which lever frees the most cash.
Read article → Personal FinanceCredit Card EMI or Loan Against Securities
Two ways to fund a large purchase without selling investments. The true cost of each, including the charges that do not appear in the advertised rate.
Read article → Personal FinanceAxis Atlas: How the EDGE Miles Arithmetic Works
Earn rates, milestone tiers and transfer ratios turned into a rupee value per mile, so you can compute your own break-even against the fee.
Read article → Personal FinanceDebt-to-Income Ratio: What Indian Lenders Actually Use
Indian lenders assess FOIR, not the US-style DTI most search results describe. What goes into it, what does not, and how to improve it.
Read article → Personal FinanceHome Loan or Loan Against Property: Which Costs Less
Two loans secured on the same house, priced very differently. What drives the gap, and when a loan against property is still the right answer.
Read article → Personal FinancePost Office Schemes Compared: PPF, SCSS, KVP, NSC and SSY
One table across eligibility, lock-in, taxation and premature exit, showing who each scheme suits, with a calculator linked for every one of the five.
Read article → Personal FinancePPF or Sukanya Samriddhi for a Daughter’s Education
PPF or Sukanya Samriddhi for a daughter's education: when each scheme's money actually becomes available, matched against the years school and college fees fall due.
Read article → Personal FinanceNPS or ELSS: Which Deduction Actually Suits You
Lock-in, liquidity and what happens at exit, not just the deduction. Section 123 and section 124 under the Income-tax Act, 2025.
Read article → InvestingSGB, Gold ETF or Physical Gold: How They Differ
Three ways to hold the same metal, compared on cost, liquidity, holding period, counterparty and what you actually end up owning.
Read article → InvestingReal Return: What Inflation Quietly Does to Your FD
The Fisher relation done properly rather than by subtraction, then applied after tax to a fixed deposit, which is where most savers actually lose.
Read article → InvestingXIRR or CAGR: Which Number Should Judge Your Portfolio
The same SIP measured both ways, showing why CAGR flatters a series of irregular contributions and when each number is the right one.
Read article → InvestingGold or Mutual Funds, After Charges and Tax
Making charges, purity loss on resale and holding costs netted off before any return comparison. The costs platform pages leave out.
Read article → AccountingFIFO or Weighted Average: Inventory Valuation and Its Effect
The same purchases and sales valued both ways, showing what each does to gross profit and closing stock when prices are rising.
Read article → AccountingDebits and Credits: The Rule That Finally Makes Sense
Derived from the accounting equation instead of memorised, then tested against six transactions people habitually get backwards.
Read article → AccountingFrom Trial Balance to Balance Sheet
One company's trial balance carried through every adjusting entry to a finished balance sheet and profit and loss account.
Read article → AccountingProfit Margin vs Markup: The Pricing Mistake That Costs You
A 50% markup is a 33.3% margin. The conversion both ways, why the confusion is expensive, and the error quantified in rupees.
Read article → AccountingBreak-Even Analysis for a Small Business
Contribution margin, break-even in units and rupees, and the margin of safety, worked for a service business where units are ambiguous.
Read article → AccountingThe Twelve Financial Ratios Worth Computing
Twelve, not fifty. Each with the question it answers, computed from one set of statements, with realistic Indian benchmark ranges.
Read article → AccountingStandard Costing and Variance Analysis, With Real Numbers
Material, labour and overhead variances computed from one month of production, and the management question each one actually answers.
Read article → AccountingHow Much Working Capital Does Your Business Actually Need
Turn your operating cycle into a rupee figure. Receivable days plus inventory days minus payable days, worked end to end for a real business.
Read article → AccountingThe Fixed Asset Register, and What an Auditor Looks For
What belongs in a fixed asset register, the three-way reconciliation an auditor actually performs, and the five discrepancies that come up every year.
Read article → AccountingCapitalise or Expense: The Repairs Decision
A working rule for repairs versus improvement, tested on the borderline cases that actually come up, with the tax consequence of each answer.
Read article → AccountingOperating or Finance Lease: Telling Them Apart
Ind AS 116 collapsed lessee accounting into one model. What survives of the distinction, and what it does to EBITDA, gearing and your covenants.
Read article → AccountingBlock of Assets: Why Selling One Machine Changes Nothing
Tax depreciation is computed on the block, not the asset. What that means when you sell, scrap or add machinery, worked in rupees.
Read article → AccountingTOL/TNW: The Ratio Your Banker Judges You On
Total outside liabilities to tangible net worth, computed from a real balance sheet, including what banks strip out and why intangibles hurt you.
Read article → AccountingBook vs Tax Depreciation: The Deferred Tax Working
One machine carried through both systems for five years, with the timing difference and the deferred tax balance computed each year.
Read article → AccountingBank Reconciliation, Step by Step
Your cash book and the bank disagree. A worked reconciliation from two opposing balances to agreement, plus the four differences that cause the gap.
Read article → AccountingPayback, IRR or NPV: Which One Answers Your Question
Three methods, one set of cash flows, three different answers. A worked Indian example of when payback, IRR and NPV disagree, and which to follow.
Read article → AccountingHow to Read a Cash Flow Statement
A worked Indian example of a company that reported Rs 48 lakh profit and still lost cash. What each section tells you, and the lines that matter.
Read article → AccountingCompany Car or Your Own Car: How the Perquisite Is Taxed
The operative 2026 perquisite table for motor cars in Rs per month. Employer-owned, employee-owned, official and mixed use, and the chauffeur add-on.
Read article → AccountingWDV or SLM: Choosing a Depreciation Method in India
The same asset, both methods, year by year. Where you genuinely have a choice, where you do not, and what the choice does to reported profit.
Read article → AccountingIncome Tax vs Companies Act Depreciation: Why Two Numbers
Book depreciation follows Schedule II. Tax depreciation follows section 33 and Appendix I. Why they differ, what each is for, and where the gap goes.
Read article → AccountingSchedule II Depreciation: Useful Lives to SLM and WDV Rates
Schedule II gives useful lives, not rates. How to derive the SLM and WDV rate from a useful life, with the 5% residual rule and a worked example.
Read article → Personal FinanceHealth Insurance Claims: Cashless or Reimbursement, and How Each Works
Cashless or reimbursement health insurance claims: how cashless approval works, when reimbursement is the only route, insurer timelines, and short settlements.
Read article → Personal FinanceWhat to Do With Your EPF When You Change Jobs
EPF when you change jobs: transfer or withdraw, what the five-year rule counts, when TDS applies, and what happens to the pension part.
Read article → Personal FinanceHow to Check Your Credit Report and Get an Error Fixed
What is on an Indian credit report, which errors are common, and the exact route to get one corrected, including who to contact and their deadline.
Read article → Business FinanceWhat to Do When a Customer Does Not Pay
What to do when a customer does not pay in India: collection steps, the MSME delayed-payment route, legal options, and GST and tax on bad debts.
Read article → Business FinanceHow to Price a Service Business
How to price a service business: cost-plus gives the floor, not the price. Hourly, fixed-fee or retainer, value pricing, and raising prices safely.
Read article → Business FinanceHow to Build a 13-Week Cash Flow Forecast
A 13-week cash flow forecast is a receipts-and-payments schedule, not a budget. How to build one, why 13 weeks, and how to roll it forward each week.
Read article → AccountingThe Month-End Close: A Working Checklist for a Small Business
A month-end close for a small business is a fixed sequence run in the first week of each month. The steps in order, with the reconciliations that catch errors.
Read article → GST & TaxHow to Respond to an Income Tax Notice
Most income tax notices are routine. What each section means, which have hard deadlines, and the steps to respond on the e-filing portal.
Read article → GST & TaxPresumptive Taxation: When 44AD and 44ADA Actually Save You Money
Section 44AD and 44ADA let small businesses and professionals declare a fixed percentage of turnover as income. The thresholds, the 6 versus 8 percent split, the five-year lock-in and when regular books are genuinely better.
Read article → GST & TaxHow to Fix a TDS Mismatch in Form 26AS and AIS
Your TDS certificate and Form 26AS disagree. What causes the gap, how to read 26AS against AIS and TIS, and the exact steps to get the mismatch corrected.
Read article → GST & TaxWhich ITR Form Should You File? A Decision Guide for AY 2026-27
ITR-1, ITR-2, ITR-3 or ITR-4 for AY 2026-27: the disqualifiers that push you off the simple form, and why the wrong form gets a return marked defective.
Read article → GST & TaxGST Input Tax Credit: The Rules That Actually Block Your Claim
Most denied GST input tax credit is one of four failures: supplier did not file, a Section 17(5) block, the November deadline, or no payment in 180 days.
Read article → Business SoftwareZoho One Review (2026): Is the All-in-One Business Suite Worth It?
An honest guide to Zoho One — what it is, the 50+ apps, All-Employee versus Flexible pricing, the CRM, Finance and People suites, pros and cons.
Read article → InvestingComplete guide to mutual funds in India (2026): SIP, NAV, expense ratios, taxation, types and a sortable table of top funds in each category.
Read article → Personal FinanceUNI Card Review 2026 — Pay 1/3rd, 1% Cashback & Lifetime Free Credit Card Explained
Complete UNI Card review for 2026 — lifetime free, Pay 1/3rd interest-free splits, 1% cashback, 0% forex markup. Features, fees, eligibility, pros, cons, FAQs and application steps explained.
Read article → GST & TaxMarkets and Taxation in India — A Complete Guide for Investors and Traders (2026)
How Indian income tax treats market activity — capital gains, trading as business income, advance tax, ITR forms, loss harvesting and foreign stocks.
Read article → InvestingSector Analysis Explained — A Practical Guide to 9 Major Indian Industries (2026)
A sector-by-sector guide to nine Indian industries — cement, insurance, IT, auto, banking, steel, hotels, retail and real estate: metrics, leaders and risks.
Read article → Personal FinanceNPS Explained — A Complete Guide to the National Pension System in India (2026)
A plain-language guide to the National Pension System — the two tiers, investment choices, tax benefits, withdrawal rules, NPS Vatsalya and Corporate NPS.
Read article → AccountingHow to Read a Balance Sheet — A Plain-Language Guide for Indian Learners
A plain-English guide to reading a company balance sheet — assets, liabilities, equity, the key ratios, a worked example and the red flags to watch.
Read article → InvestingSIP vs Lump Sum Investment: Which is Better for Indian Investors in 2025?
An honest comparison of SIP and lump sum investing — the maths, rupee-cost averaging, step-up SIPs, STP, taxes and how to decide which suits you.
Read article → GST & TaxHow to File GST Return for Small Business in India — Complete Guide 2025
A practical guide to filing GST returns for a small business — registration, GSTR-1, GSTR-3B, QRMP, input tax credit, due dates and penalties.
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