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Difference Between Financial Year and Assessment Year

The terms financial year and assessment year are often used when we talk about finance. Most of us may get confused between both these terms as they may seem similar. While the financial year is the year when you earn money, the assessment year is the year when you calculate taxes and file tax returns […]
GST on Personal Loans in 2025: What Borrowers Need to Know

GST (Goods and Services Tax) applies to various financial services, whether a personal loan or any product or service. But if we talk specifically about personal loans, then GST is not charged on the loan amount or interest. It is charged on certain fees like processing fees and penalties. You must be aware of all […]
Income Tax Slab for FY 2025-26

On 1st February 2025, Finance Minister Nirmala Sitharaman presented the 2025-26 Union Budget, bringing in great news for the middle class. The government announced a revised tax structure that has brought significant relief to the common man. It raised the tax-free income limit to ₹12 lakh, which means now you would not have to pay […]
Union Budget 2025: Key Highlights & Impacts to Watch Out For

Finance Minister Nirmala Sitharaman presented the Union Budget 2025 on February 1, 2025. This budget focuses on growing the economy, making tax changes and improving areas like infrastructure, healthcare and farming. However, the government has also made numerous changes to income tax rates, updated GST rules and allocated money to different sectors. So, let’s take […]
Best Ways to Save Income Tax In 2025-26

Income Tax rules can be overwhelming especially when you are unsure where to start with. In India, taxpayers have the choice of the income tax new regime or continuing under the income tax old regime, each offering distinct advantages. Before you decide which path is right for you, here are some income tax saving options […]
A Beginners Guide to Filing ITR Online

Income Tax Returns (ITR) are official documents that are filed with the government to report an individual’s or entity’s earnings, deductions, and taxes paid during a financial year. They help ensure compliance with tax laws, enable possible refunds of overpaid taxes, and are also a legal proof of income for various financial transactions. Filing ITR […]
Budget 2025: Expectations Soar as FM Sitharaman Prepares to Deliver

Finance Minister Nirmala Sitharaman is set to present the Union Budget 2025 on February 1, 2025. The anticipation of budget creates excitement and a range of expectations every year. Whether you are a taxpayer, salaried employee, business person, or an industrialist, everyone’s eyes are on the Budget 2025 and the market it would impact. The […]
What is a Home loan? Types, Eligibility & Benefits

Buying a home is a big dream for many people but it can be expensive. This is where a home loan becomes important. A home loan helps you buy or build your own house without needing to pay the entire amount upfront. Instead, you can repay the loan in smaller amounts over time. Home loans […]
What is a Business Loan? Meaning, Types & Benefits

Starting a business is getting more popular as many people dream of turning their ideas into reality. But is it really that easy to start a business? Certainly not, as starting and running a business takes money. You need funds for things like setting up, buying equipment, paying bills and handling everyday costs. Without enough […]
What is a Cancelled Cheque and How to Write One

Banking is a big part of our daily lives as it helps us save money, transfer funds and apply for loans or credit cards. To make banking easier, we use different documents like cheques. A cheque is usually used to pay someone or withdraw money from your account. But sometimes, you may need to give […]
What is Loan Amortization- All You Need to Know

Amortization is all about spreading the cost of an asset over time. This also applies for loans, where you break the total amount you owe into small payments, spreading out the repayment of the loan over time. In this brief guide, we will learn what is amortization, the types of amortization and how does amortization […]
National Pension Scheme (NPS)

The government offers various schemes to help us, whether it is for education, healthcare, housing or retirement planning. One such helpful initiative is the National Pension Scheme (NPS), designed to ensure you have enough money to live comfortably after you retire. Here, you can save money slowly and gradually during your working years. And by […]
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