Finance & Money
Tax Year 2026-27 Meaning: Which Financial Year and What Changed
Tax Year 2026-27 is the financial year 1 April 2026 to 31 March 2027, the first year under the Income-tax Act, 2025. Here is what changed and what did not.
9 min read
Finance & Money
EMI, SIP, tax, inflation and everyday money calculations.
Finance & Money
New Tax Regime Slabs 2026-27: Tax on Every Salary, Worked Out
New regime slabs for 2026-27 run from nil up to ₹4 lakh to 30% above ₹24 lakh. A ₹12.75 lakh salary pays no tax and ₹15 lakh pays ₹97,500. See the full table.
8 min read
Finance & Money
Old vs New Tax Regime 2026-27: The Break-Even Deduction Table
The old regime wins in 2026-27 only if deductions beyond the standard deduction pass a break-even: ₹5.44 lakh at a ₹15 lakh salary, ₹8 lakh above ₹25 lakh.
8 min read
Finance & Money
HRA Exemption Calculation 2026-27: Formula and City Examples
Exempt HRA is the least of HRA received, rent minus 10% of basic, and 50% of basic (now in 8 cities including Bengaluru) or 40% elsewhere. With examples.
8 min read
Finance & Money
In-Hand Salary for 10 to 40 LPA: Monthly Take-Home Table
₹20 LPA gives about ₹1.42 lakh a month in hand under the new regime, ₹30 LPA about ₹2.01 lakh. Full table from ₹6 to ₹50 lakh CTC, with the working.
9 min read
Finance & Money
EPF Wage Ceiling Raised to ₹25,000: What Changes for You
From 17 Sep 2026 the EPF wage ceiling is ₹25,000, up from ₹15,000. More people are covered, PF can rise to ₹3,000 a month and the top EPS pension to ₹12,500.
8 min read
Finance & Money
Gratuity Calculation Formula Under the New Labour Code
Gratuity = 15/26 × last monthly basic + DA × years of service; a part-year over 6 months counts as a year. Eligibility, the ₹20 lakh cap and tax, with examples.
8 min read
Finance & Money
NPS Withdrawal Rules 2026: 80% Lump Sum, ₹8 Lakh Limit and Tax
Private NPS subscribers can now take up to 80% as a lump sum at exit, and all of it if the corpus is ₹8 lakh or less. Only 60% is tax-free. Rules and examples.
8 min read
Finance & Money
PPF Interest Rate 2026: 7.1%, Maturity Table and Rules
The PPF interest rate is 7.1% for October–December 2026. See how interest is worked out, a 15/20/25-year maturity table, and the loan and withdrawal rules.
10 min read
Finance & Money
Sukanya Samriddhi Yojana 2026: 8.2% Rate, Maturity and Rules
Sukanya Samriddhi Yojana pays 8.2% for October–December 2026. See the full 21-year timeline, a maturity table, withdrawal rules and an honest SSY vs PPF check.
8 min read
Finance & Money
RD vs FD vs SIP: Where Should ₹5,000 a Month Go?
₹5,000 a month for 5 years grows to ₹3,56,829 in a Post Office RD at 6.7%. See how a bank RD, an FD and a SIP compare, before and after tax.
9 min read
Finance & Money
Lumpsum vs SIP: Which Is Better? The Honest Maths
If returns are steady, a lumpsum beats a SIP because the money is invested longer. A SIP wins when you have no lump sum yet or a crash would make you sell.
10 min read