Read. Decide.
Act.
128 articles on Indian tax, accounting, business finance and personal money decisions. Each one answers a question a calculator cannot — a procedure, a decision, or a situation with more than one right answer — and links to the tool that does the arithmetic.
6 Categories, 128 Articles.
Every article sits in exactly one category. The counts below are the real ones — each card jumps to that section of the full index further down this page.
Tax and GST
Filing decisions, credit rules, notices and the corrections that follow when a return and a statement disagree.
29 articles → 02 — PersonalPersonal Finance
The procedures that arrive with an event — a job change, a claim, a credit refusal — and what to do in the week it happens.
23 articles → 03 — BusinessBusiness Finance
Running the money side of a small business: cash in the bank, what to charge, and what to do when a customer stops paying.
18 articles → 04 — InvestingInvesting
How instruments behave, what the numbers in a factsheet mean, and how a decision looks once the arithmetic is done.
17 articles → 05 — AccountingAccounting
Reading a set of accounts, and the monthly routine that makes them worth reading.
33 articles → 06 — BusinessBusiness Software
Long-form reviews of the software a small finance function actually runs on.
8 articles →Three Entry Points.
One from each of the three largest clusters — a tax rule that decides whether a claim survives, a cash method that catches the week you run short, and the long-form guide to how mutual funds actually work.
GST Input Tax Credit: The Rules That Actually Block Your Claim
Most denied input tax credit is not fraud — it is one of four ordinary conditions failing: the supplier did not file, the credit is blocked under Section 17(5), you missed the November…
Read Article → Business FinanceHow to Build a 13-Week Cash Flow Forecast
A 13-week forecast is a receipts-and-payments schedule, not a budget. Here is how to build one, why the horizon is 13 weeks, and how to roll it forward so it stays honest.
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 →Every Article, By Category.
All 128 published articles. Nothing here is a placeholder and nothing is marked coming soon — if it is listed, it is written.
🧾 Tax and GST
Filing decisions, credit rules, notices and the corrections that follow when a return and a statement disagree.
Dividend Income Tax in Tax Year 2026-27: What Changed
TaxTax Audit Under Section 63: Limits, Deadlines and the New Fee
TaxForm 121 (Earlier 15G and 15H): Stopping TDS When Tax Is Nil
TaxTCS on Foreign Remittances and Tour Packages After April 2026
TaxTDS Rates and Thresholds for Tax Year 2026-27: Section 393
TaxCapital Gains on Selling Property in Tax Year 2026-27
TaxTax
Home Loan Tax Benefits Under the Income-tax Act, 2025
TaxDeductions Still Allowed Under the New Regime in 2026-27
TaxForm 130 (Earlier Form 16): Your Salary TDS Certificate
TaxDebt Mutual Fund Tax Under Section 76 for Tax Year 2026-27
TaxTax
Advance Tax for Tax Year 2026-27: Due Dates and Interest
TaxSurcharge and Marginal Relief for Tax Year 2026-27, Worked
TaxTax Year vs Assessment Year: Which Label Applies From 2026
TaxRevised and Updated Returns After Finance Act 2026
TaxCapital Loss Set-Off and Carry Forward Under the 2025 Act
TaxSovereign Gold Bond Tax After Finance Act 2026: Who Is Tax-Free
TaxHRA Exemption for Tax Year 2026-27: The Eight 50% Cities
TaxNew Tax Regime Slabs for Tax Year 2026-27, With Worked Examples
TaxReconciling Your GST Ledgers to the Returns You Filed
TaxA Year-Round System for Your Tax Papers
TaxHow to Respond to an Income Tax Notice
TaxPresumptive Taxation: When 44AD and 44ADA Actually Save You Money
TaxHow to Fix a TDS Mismatch in Form 26AS and AIS
TaxWhich ITR Form Should You File? A Decision Guide for AY 2026-27
TaxGST Input Tax Credit: The Rules That Actually Block Your Claim
TaxMarkets and Taxation in India — A Complete Guide for Investors and Traders (2026)
TaxHow to File GST Return for Small Business in India — Complete Guide 2025
💼 Personal Finance
The procedures that arrive with an event — a job change, a claim, a credit refusal — and what to do in the week it happens.
Managing Money as a Couple: A System That Avoids Arguments
PersonalLifestyle Inflation: Finding It in Your Own Bank Statement
PersonalHow Much Health Insurance Sum Insured Is Enough?
PersonalSetting Financial Goals in Future Rupees, Not Today’s
PersonalSave First or Borrow? Buying Something Big on a Loan
PersonalReading a Credit Card Statement: Minimum Due vs Total Due
PersonalA Household Budget That Survives Real Life: A Worked Method
PersonalYour Personal Balance Sheet: Building a Net Worth Statement
PersonalHow Much Term Insurance Cover You Need
PersonalWhich Loan to Prepay First: Avalanche, Snowball and Exceptions
PersonalHow Big Should Your Emergency Fund Be? A Method, Not a Rule
PersonalCredit Card EMI or Loan Against Securities
PersonalAxis Atlas: How the EDGE Miles Arithmetic Works
PersonalDebt-to-Income Ratio: What Indian Lenders Actually Use
PersonalHome Loan or Loan Against Property: Which Costs Less
PersonalPost Office Schemes Compared: PPF, SCSS, KVP, NSC and SSY
PersonalPPF or Sukanya Samriddhi for a Daughter’s Education
PersonalNPS or ELSS: Which Deduction Actually Suits You
PersonalHealth Insurance Claims: Cashless or Reimbursement, and How Each Works
PersonalWhat to Do With Your EPF When You Change Jobs
PersonalHow to Check Your Credit Report and Get an Error Fixed
PersonalUNI Card Review 2026 — Pay 1/3rd, 1% Cashback & Lifetime Free Credit Card Explained
PersonalNPS Explained — A Complete Guide to the National Pension System in India (2026)
🏢 Business Finance
Running the money side of a small business: cash in the bank, what to charge, and what to do when a customer stops paying.
Raising Prices: How Many Customers Can You Afford to Lose?
BusinessRolling Forecasts: Replacing the Annual Budget Nobody Opens
BusinessFive Numbers a Small Business Owner Should See Every Monday
BusinessWhich Product Actually Makes Money: Profitability by Line
BusinessCustomer Concentration: When One Client Is a Risk to the Business
BusinessReading a Business Loan Sanction Letter Line by Line
BusinessHow Much Cash Reserve a Small Business Should Hold
BusinessInvoice Discounting or Overdraft: Pricing Receivables Finance
BusinessCustomer Acquisition Cost: How Long Before a Customer Pays Back
BusinessBudget vs Actual: Running a Monthly Review That Changes Decisions
BusinessFixed or Variable: Classifying Costs From a Real Ledger
BusinessContribution Margin: The Number Behind Every Pricing Decision
BusinessDSCR: The Ratio That Decides How Much a Bank Will Lend
BusinessWhat a 10% Discount Really Costs Your Margin
BusinessCash Conversion Cycle: How Long Your Money Is Stuck
BusinessWhat to Do When a Customer Does Not Pay
BusinessHow to Price a Service Business
BusinessHow to Build a 13-Week Cash Flow Forecast
📈 Investing
How instruments behave, what the numbers in a factsheet mean, and how a decision looks once the arithmetic is done.
Step-Up SIP: How Much to Increase Each Year and Why It Matters
InvestingThe P/E Ratio: What It Tells You and What It Hides
InvestingDividend Yield vs Total Return: Why a High Yield Can Mislead
InvestingTracking Error and Tracking Difference in Index Funds
InvestingRebalancing a Portfolio: When, How Often and How Far
InvestingAveraging Down: What the Arithmetic Shows and What It Hides
InvestingHow to Read a Mutual Fund Factsheet
InvestingRolling Returns: Why a Fund’s 5-Year Return Can Mislead
InvestingSequence Risk: Why the Order of Returns Matters in Retirement
InvestingWhat a 1% Expense Ratio Costs Over 20 Years
InvestingSGB, Gold ETF or Physical Gold: How They Differ
InvestingReal Return: What Inflation Quietly Does to Your FD
InvestingXIRR or CAGR: Which Number Should Judge Your Portfolio
InvestingGold or Mutual Funds, After Charges and Tax
InvestingInvesting
Sector Analysis Explained — A Practical Guide to 9 Major Indian Industries (2026)
InvestingSIP vs Lump Sum Investment: Which is Better for Indian Investors in 2025?
📒 Accounting
Reading a set of accounts, and the monthly routine that makes them worth reading.
Reviewing Accounts Payable Ageing: What to Look For Each Month
AccountingPetty Cash on the Imprest System: Controls in Ten Minutes
AccountingContingent Liabilities: Reading and Writing the Notes
AccountingAdvance Payments and Deferred Revenue: When Cash Isn’t Income
AccountingInventory at Lower of Cost and Net Realisable Value
AccountingProvision for Doubtful Debts: Estimating and Booking It
AccountingThe Suspense Account: Why It Exists and How to Clear It
AccountingPrepaid and Accrued Expenses: The Month-End Entries
AccountingAccrual or Cash Basis: Why Your Profit Depends on the Method
AccountingHow to Read a Profit and Loss Statement
AccountingFIFO or Weighted Average: Inventory Valuation and Its Effect
AccountingDebits and Credits: The Rule That Finally Makes Sense
AccountingFrom Trial Balance to Balance Sheet
AccountingProfit Margin vs Markup: The Pricing Mistake That Costs You
AccountingBreak-Even Analysis for a Small Business
AccountingThe Twelve Financial Ratios Worth Computing
AccountingStandard Costing and Variance Analysis, With Real Numbers
AccountingHow Much Working Capital Does Your Business Actually Need
AccountingThe Fixed Asset Register, and What an Auditor Looks For
AccountingCapitalise or Expense: The Repairs Decision
AccountingOperating or Finance Lease: Telling Them Apart
AccountingBlock of Assets: Why Selling One Machine Changes Nothing
AccountingTOL/TNW: The Ratio Your Banker Judges You On
AccountingBook vs Tax Depreciation: The Deferred Tax Working
AccountingBank Reconciliation, Step by Step
AccountingPayback, IRR or NPV: Which One Answers Your Question
AccountingHow to Read a Cash Flow Statement
AccountingCompany Car or Your Own Car: How the Perquisite Is Taxed
AccountingWDV or SLM: Choosing a Depreciation Method in India
AccountingIncome Tax vs Companies Act Depreciation: Why Two Numbers
AccountingSchedule II Depreciation: Useful Lives to SLM and WDV Rates
AccountingThe Month-End Close: A Working Checklist for a Small Business
AccountingHow to Read a Balance Sheet — A Plain-Language Guide for Indian Learners
💻 Business Software
Long-form reviews of the software a small finance function actually runs on.
Bank Feeds and Auto-Reconciliation: What They Miss
BusinessSpreadsheet Controls: Stopping the Errors That Cost Money
BusinessSetting Up a Chart of Accounts Before You Import Anything
BusinessChoosing Accounting Software: A Decision Framework, Not a Ranking
BusinessMoving to New Accounting Software: The Cut-Over Checklist
BusinessWhen Excel Stops Being Enough for Your Books
BusinessIRR, XIRR and NPV in Excel: The Formulas and Their Traps
BusinessZoho One Review (2026): Is the All-in-One Business Suite Worth It?
Articles Explain. Tools Compute.
The Blog answers questions of procedure and judgement. When you need a number, a definition or a structured course, the site has a layer for each of those — and every article links into them.