Tax Planning
Income Tax Act 2025: What Changes for Your Salary (FY 2026-27)
19 Jun 2026
Insights & Guides
Financial Wisdom, One Article at a Time
Expert tips on budgeting, tax saving, insurance, investing and more — tailored for India.
6 minTax Planning
Which ITR Form to File for AY 2026-27 (Salaried High Earners)
ITR-1 now allows two homes and small LTCG for AY 2026-27 — but any STCG, RSUs or a carry-forward loss quietly forces ITR-2. Pick the right ITR form and protect your refund.
18 Jun 2026
5 minTax Planning
HRA 50% Now Covers Bengaluru, Pune, Hyderabad, Ahmedabad
From FY 2026-27, Bengaluru, Pune, Hyderabad and Ahmedabad get the 50% HRA exemption. See the exact tax saved and whether it flips your old-vs-new regime call.
17 Jun 2026
6 minRetirement Planning
Employer NPS (80CCD(2)): The Tax Break That Survives the New Regime
Section 80CCD(2) employer NPS is the one deduction left in the new tax regime — and the 14% limit from FY 2025-26 can cut a ₹28L earner's tax by ₹52,000 a year.
16 Jun 2026
6 minTax Planning
Schedule FA: Report US RSUs in ITR or Face ₹10 Lakh Penalty
Hold US RSUs, ESPP or a foreign brokerage account? Schedule FA in your AY 2026-27 ITR is mandatory — file it table-by-table to dodge the ₹10 lakh penalty.
15 Jun 2026
6 minTax Planning
Old vs New Tax Regime FY 2025-26: The ₹8 Lakh Rule Before You File
Filing ITR for FY 2025-26? The old regime only beats the new one once your deductions cross a clear rupee line. Here's the breakeven by income band — before 31 July.
14 Jun 2026
7 minTax Planning
Old vs New Tax Regime AY 2026-27: The Deadline Trap
Old vs new tax regime for your AY 2026-27 ITR: see the income-wise breakeven, and why filing after 31 July 2026 locks you into the new regime for good.
13 Jun 2026
5 minInvestment Basics
RBI Holds Repo Rate at 5.25%: Your FD and Home Loan Playbook
The RBI held the repo rate at 5.25% for a third straight meeting. Here's the FD, debt-fund and home-loan playbook for ₹15L+ earners to act on before banks reprice.
12 Jun 2026
6 minTax Planning
US RSUs in Your ITR: Avoid the ₹10 Lakh Schedule FA Penalty
Salaried with US RSUs, ESPP or foreign stocks? Schedule FA in your AY 2026-27 ITR is mandatory. Disclose them right and sidestep the Black Money Act's ₹10 lakh penalty.
12 Jun 2026
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