Guides, Articles & Regulations
In-depth guides, financial articles, and Indian regulatory references to help you understand tax law, planning strategies, and make the most of our calculators.
📚 Guides & Articles
8th Pay Commission 2026: Latest News, Salary Hike & Fitment Factor Guide
Complete guide to 8th Pay Commission 2026. Learn about 30-34% salary hike, fitment factor 2.28-2.86, DA merger, implementation from Jan 1, 2026. Use free calculator to estimate new salary.
GST 2.0 Invoice Guide: Format, Fields & PDF Steps
Step-by-step guide to generating GST-compliant invoice PDFs. Covers mandatory fields, HSN/SAC, B2B vs B2C, and IGST vs CGST/SGST logic.
SIP → SWP Guide: Inflation, Step-Up & Withdrawals
Plan how a SIP grows into an inflation-aware SWP. Compare flat vs step-up SIPs and set sustainable withdrawals with our calculators.
FIRE Calculator Implementation Guide
A comprehensive guide to understanding FIRE calculations and achieving financial independence in India. Learn about EPF, PPF, NPS considerations and tax planning.
FIRE in India: How to Retire Early
Complete guide to Financial Independence, Retire Early movement for Indian professionals. Covers safe withdrawal rates, investment returns, and building your FIRE plan.
Financial Mistakes to Avoid in 2026
8-part checklist covering inflation, SIP delays, high-interest debt, currency risk, and gold/silver hedging with calculators.
Loan Prepayment Guide: Save Lakhs in Interest
Master home loan prepayment strategies to slash your tenure. Learn RBI rules, tax implications, and the 1 Extra EMI strategy that saves ₹12L.
Home Loan Prepayment Calculator (2026 RBI Rule)
Free calculator to plan penalty-free prepayments. Compare SIP, lump sum, and step-up strategies. See exact interest saved, tenure reduced, and ROI on every rupee prepaid.
Prepay Home Loan or Start SIP? The 2026 Math
Confused between closing your home loan early or investing in mutual funds? We break down the math, tax benefits, and opportunity costs for Indian borrowers in 2026.
How Capital Gains Calculator Works
Step-by-step guide to understanding our capital gains tax liability estimation process. Learn how to upload your data and interpret the results.
⚖️ Regulations & Policy
Capital Gains Taxation in India
Comprehensive guide to understanding capital gains tax on stock market investments. Covers STCG, LTCG, intraday trading rules, tax rates, and audit requirements under Finance Act 2024.
NPS 3.0 — Everything You Need to Know About India's Revamped Pension System
Complete guide to NPS 3.0. Covers Tier 1 & Tier 2, PRAN, tax benefits (80C, 80CCD), Multi-Scheme Framework, withdrawal rules, and PFRDA Regulations 2024.
Gratuity Rules in India: Eligibility, Formula & Payment
Complete reference to the Payment of Gratuity Act 1972. Covers eligibility (5 years), calculation formula, maximum limit ₹20L, and employer obligations.
Is Gratuity Taxable in India?
Tax treatment of gratuity under Section 10(10) of the Income Tax Act. Covers government vs private employee exemptions, ₹20L ceiling, and TDS rules.
Crypto Tax India: Section 115BBH & TDS on VDA
Complete guide to cryptocurrency taxation in India under Finance Act 2022. Covers 30% flat tax, 1% TDS under Section 194S, no loss set-off, and filing requirements.
EPF Withdrawal Rules: Before 5 Years, TDS & Advance
Complete reference to EPF withdrawal rules under EPF Scheme 1952. Covers 5-year tax rule, TDS rates, Form 15G, 7 advance purposes, online withdrawal steps, and transfer vs withdrawal.
Is EPF Withdrawal Taxable? Section 10(12) Explained
Tax treatment of EPF under Section 10(12). Covers 5-year exemption, Finance Act 2021 ₹2.5L interest rule, what's taxable pre-5 years, and EPF vs PPF vs Gratuity tax comparison.
EPF Interest Rate 2026-27: History, Calculation & Tax
EPFO-declared interest rate for FY 2026-27, full rate history since 2009-10, how monthly compounding works, the ₹2.5L tax rule for high earners, and comparison with PPF and NPS.
EPF vs NPS: Which is Better? (2026 Comparison)
Side-by-side comparison of EPF and NPS across returns, tax treatment, withdrawal flexibility, employer match, and annuity rules. Includes who should choose what based on tax regime.
🏦 Bank Home Loan Prepayment Rules
Bank-specific prepayment policies — floating/fixed rate penalty rules, part-payment limits, foreclosure charges, and notice requirements per RBI guidelines.
State Bank of India Prepayment Rules
HDFC Bank Prepayment Rules
ICICI Bank Prepayment Rules
Axis Bank Prepayment Rules
Bank of Baroda Prepayment Rules
LIC Housing Finance Prepayment Rules
PNB Housing Finance Prepayment Rules
Kotak Mahindra Bank Prepayment Rules
Canara Bank Prepayment Rules
Union Bank of India Prepayment Rules
Punjab National Bank Prepayment Rules
Indian Bank Prepayment Rules
Bank of India Prepayment Rules
IDBI Bank Prepayment Rules
Bajaj Housing Finance Prepayment Rules
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