Tax & GST
Section 80D: Health Insurance Deduction Limits Explained
Section 80D gives two separate buckets of Rs 25,000, rising to Rs 50,000 for senior citizens. Why the Rs 5,000 check-up is…
Bhavik Vaid writes on Indian markets, taxation, banking and personal finance for CADialogue. He covers RBI policy, GST and income-tax changes, mutual funds and market moves, translating them into practical guidance for retail investors, salaried professionals and business owners in India.
Markets
LTCG and STCG on Shares: 12.5% and 20% Rules
LTCG on listed shares is 12.5% with Rs 1.25 lakh exempt a year; STCG is 20%. How the exemption applies, loss set-off…
Personal Finance
Gratuity Calculation Formula: Eligibility and Tax Rules
Gratuity is last drawn salary divided by 26, times 15, times completed years. Eligibility, the Rs 20 lakh lifetime exemption and when…
Tax & GST
HRA Exemption Calculation: Rules, Formula, Examples
HRA exemption is the least of three figures. The formula, which four cities count as metro, what salary means here, and the…
Tax & GST
Income Tax Refund Not Received? 6 Reasons and Fixes
Income tax refund not received? Check the status first, then match it to one of six causes: bank validation, processing delay, TDS…
Tax & GST
Side Income While Salaried: Tax Rules and Disclosure
Earning on the side while salaried in India: what your employment contract restricts, how both incomes are taxed together, and the advance…
Personal Finance
Passive Income in India: What Actually Works
Passive income in India separated into capital-based and effort-based, with real capital requirements, honest timelines, scams to avoid and the tax.
Personal Finance
Selling Websites: What They Actually Sell For
Websites sell at 30 to 50 times monthly profit. What a Rs 20,000 site actually earns, where to sell, what buyers check,…
Personal Finance
How to Earn Your First 1 Lakh Online in India
Realistic routes to your first Rs 1 lakh online in India, honest timelines for each, what does not work, and the tax…
Tax & GST
Freelance Income Tax in India: 44ADA, GST, Advance Tax
Freelance tax in India: Section 44ADA presumptive taxation, the Rs 20 lakh GST threshold, advance tax, TDS under 194J and which ITR…