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Tax & business guides

Plain-language insights on income tax, GST, company law and personal finance — written by CA Aman Singhal and verified against current Indian regulations.

Compliance Due Dates Calendar

Income Tax, GST & MCA deadlines for FY 2025-26 — at a glance and month by month.

Income Tax5 min read

New Tax Regime vs Old Regime — Which Is Better in FY 2025-26?

The new regime has lower slab rates but strips most deductions; the old regime rewards disciplined investors who max out 80C/80D/NPS. This guide walks through the break-even point, gives a side-by-side comparison table, and tells you exactly when each regime wins.

GST4 min read

GST Compliance Calendar 2025-26 — All Due Dates at a Glance

Monthly GSTR-1 is due by the 11th, GSTR-3B by the 20th; quarterly filers follow QRMP deadlines. Missing a due date attracts ₹50/day late fee (₹20 for nil returns) plus 18% p.a. interest on outstanding tax. Full calendar with penalty break-down inside.

Deductions6 min read

80C, 80D & NPS — Maximise Your Tax Deductions Before March

Section 80C allows ₹1.5L deduction via PPF, ELSS, LIC, EPF and tuition fees. Section 80D adds ₹25,000 for self/family health insurance (₹50,000 if 60+). Section 80CCD(1B) adds ₹50,000 exclusively for NPS. Together these can cut taxable income by ₹2.75L — saving up to ₹85,800 in the old regime.

Capital Gains7 min read

Capital Gains After July 2024 — New Rates Explained Simply

The Finance Act 2024 unified LTCG on equity at 12.5% (exemption ₹1.25L) and removed indexation for most property sales from 23 Jul 2024 — but grandfathered pre-Jul-24 property with an option to choose 20% with indexation or 12.5% without. Full impact analysis and worked examples.

Advance Tax5 min read

Advance Tax — Who Must Pay, When, and What Happens If You Miss It

If your total tax liability after TDS exceeds ₹10,000, you must pay advance tax in four instalments: 15% by Jun 15, 45% by Sep 15, 75% by Dec 15 and 100% by Mar 15. Shortfall attracts 1% simple interest per month under sections 234B and 234C.

Salary6 min read

How to Structure Your CTC to Maximise In-Hand Salary

Most salaried employees accept the default CTC split — a mistake that often leaves ₹20,000–₹50,000 in annual savings on the table. HRA (if you rent), LTA, NPS employer contribution under 80CCD(2), and flexible benefit plans can significantly improve your post-tax take-home without changing your CTC.

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