Tax guides, financial explainers, and calculation tutorials — reviewed for FY 2026-27 by a practising Chartered Accountant.
Complete PM-VBRY (ELI scheme) guide: Rs 15,000 one-time benefit for first-time EPF members (UMANG face authentication required), Rs 1,000-3,000 per month employer incentives by wage slab for 2-4 years, eligibility, registration on pmvbry.epfindia.gov.in and worked examples.
Step-by-step EPFO Joint Declaration guide (2026): fix name, DOB, date of joining and exit date online – who self-approves against Aadhaar, which fields need the employer, the exact document list per field, and what to do when the employer will not approve.
EPFO retains the EPF interest rate at 8.25% for FY 2025-26. Rate history, the 12% + 3.67% + 8.33% EPS split, monthly running-balance interest with a worked example, and the Rs. 2.5 lakh VPF tax threshold.
TDS on buying property from an NRI: 12.5% LTCG plus surcharge and cess (13% to 14.95% effective) on the full price, no Rs. 50 lakh threshold, Form 13 lower-deduction certificates, and the buyer compliance checklist for FY 2026-27.
Section 80C becomes Section 123 with Schedule XV under the Income-tax Act 2025 from 1 April 2026. Complete Rs. 1.5 lakh deduction list – EPF, PPF, SSY at 8.2%, ELSS, NSC, home loan principal, tuition – with lock-ins and strategy.
GST late fee caps for FY 2026-27 (Rs. 2,000/5,000/10,000 by turnover), 18% interest on net cash liability with a worked example, GSTR-9 graded fees, and the 3-year permanent filing bar in force since July 2025.
State-wise professional tax guide for FY 2026-27: slab rates and maximums for Maharashtra, Karnataka, WB, TN, Kerala, Gujarat, MP, Bihar and more – plus the Odisha abolition from April 2026 and the Section 16(iii) deduction.
Comprehensive guide to TDS under the new Income Tax Act 2025 effective 01.04.2026. Section 393 consolidation of the 194-series, Finance Act 2025 threshold revisions, removed provisions (206AB / 206CCA / 206C(1H)), TDS return form changes including the new Form 141, and a practical CA transition checklist for FY 2026-27.
Old vs new tax regime comparison for FY 2026-27 (AY 2027-28). Slab rates, allowed deductions, break-even salary points, and worked examples for Rs. 8L, 12L, 18L and 25L incomes – so you can pick the regime that saves the most tax.
House Rent Allowance (HRA) exemption under Section 10(13A) for FY 2026-27. Income-tax Act 2025 expands metros from 4 to 8 cities, raising the cap from 40% to 50% of basic salary for Bengaluru, Pune, Hyderabad and Ahmedabad – here’s how to calculate it correctly.
