Journal · FY 2025-26
Tax & Finance Journal
Practical guides on Indian tax planning, investments, and financial decisions.
How to Dematerialise Inherited or Old Physical Shares in India
Old or inherited physical share certificates can't be sold or transferred until they're in demat. The full 2026 process — documents, timeline, and the deceased-holder, lost-certificate, and IEPF cases most guides skip.
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GSTR-2B Reconciliation: Claim Every Rupee of ITC (and Block What You Can't)
From April 2026 the GST portal hard-blocks ITC that isn't in your 2B. Reconcile your purchase register against GSTR-2B — matched, mismatched, at-risk, and unclaimed credit — to the rupee, in your browser.
AIS Reconciliation Before You File: Catch Undeclared Income Early
Income in your AIS that you didn't declare becomes a notice. Reconcile the department's record against your income — auto-extracted from the bank statements you've already uploaded — before you file.
Capital Gains from Your Broker P&L: STCG, LTCG & Grandfathering Explained
STCG at 20%, LTCG at 12.5% over ₹1.25L, grandfathering to the 31-Jan-2018 FMV — get it right. Upload your broker P&L and get Schedule-CG-ready totals, deterministic and reviewable.
Bank Statement to Tally in Minutes: End Manual Voucher Entry
Accountants spend hours typing bank transactions into Tally. Upload a PDF statement, auto-categorize, bulk-assign ledgers, and export a Tally-ready voucher file — every transaction, math-verified.
Mapping Bank Transactions to Tally Ledgers: A Practical Guide
How to pick the right counter-ledger for every bank transaction — sales vs loans, cash, charges, transfers — and bulk-assign hundreds at once instead of one by one.
Income Tax Calculator India 2025-26: Complete Guide
How to calculate your income tax for FY 2025-26, compare old vs new regime, and pick the option that saves you the most. Includes examples and a deduction checklist.
Old vs New Tax Regime 2025-26: Which Should You Choose?
A detailed comparison with break-even analysis, salary slabs, and real examples. Find out which tax regime saves more money for your income level.
HRA Exemption Calculation: Complete Guide for Salaried Employees
Understand the three HRA rules, metro vs non-metro differences, and step-by-step calculation examples to maximize your House Rent Allowance exemption.
SIP Calculator: How Much Can You Accumulate?
Learn how SIP compounding works, why step-up SIP accelerates wealth, and how investing ₹10,000/month can build a ₹1 crore corpus over time.
Section 80C Deductions: Complete List & Tax Savings Guide
Every eligible 80C instrument — from ELSS and PPF to home loan principal — explained with limits, lock-in periods, and strategy for maximum tax savings.
How to Analyze Your Bank Statement for Tax Planning
What to look for in your bank statement, how to categorize transactions, spot anomalies, and use the data to prepare for tax filing and financial planning.
Advance Tax Due Dates FY 2025-26: All 4 Deadlines, Calculation & How to Pay
All four advance tax instalments for FY 2025-26 — due dates, how to calculate each instalment, penalties under Section 234B & 234C, and a step-by-step online payment guide.
HRA Exemption Calculation 2026: Formula, Metro vs Non-Metro & Examples
Complete guide to HRA exemption under Section 10(13A) — three-rule formula, metro vs non-metro cities, worked examples for Mumbai and Bengaluru, and documents checklist.
Best Tax Saving Investments Section 80C 2025-26: ELSS vs PPF vs NPS
Compare every Section 80C instrument — ELSS, PPF, NPS, NSC, tax-saving FDs, Sukanya Samriddhi, and ULIP — on returns, lock-in, risk, and tax treatment. Plus the optimal mix for your income.
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