Finance for India, checked against the source.
RBI policy, tax, personal finance and real estate for salaried professionals — written by someone who works in property development, not a content desk.
Every statutory claim is verified against the Act, the circular or the judgment itself, and the primary source is listed at the foot of each article so you can check it yourself.
What are you here for?
Five things this site covers properly. Pick one.
Real EstateHome loans, stamp duty, buying decisions, city markets
Tax & InvestingITR, capital gains, ESOPs, the new Income-tax Act 2025
RBI & MacroRepo rate, inflation, the rupee — and what it does to your EMI
Personal FinanceEPF, insurance, deposit safety, NPS
Start with the part nobody else writes
If you own land and a developer has approached you
Most JDA coverage explains the law. This explains what it costs you — from the side of the table that structures these deals.
- Signing a JDA makes you a RERA co-promoter
A Karnataka HC ruling let a recovery auction proceed against the landowners’ own property. The developer’s insolvency did not protect them. - A 40% area share can be worth less than a 30% revenue share
The ratio is not the deal. Loading factors of 25–40%, which areas are excluded, and who carries sales risk decide what you actually receive. - The circle rate taxes the seller, not just the buyer
Sell below it and you are taxed on money you never received — now under Section 78 of the Income-tax Act 2025.
Start here
The four guides, plus two pieces readers actually finish.
- GuideIncome Tax for Salaried Indians 2026
Regime choice, deductions, filing — and what the Income-tax Act 2025 changed. - GuideReal Estate 2026: Home Loans, Buying & Stamp Duty
What a first purchase actually costs once registration and transfer are in. - GuideRBI & Macro 2026: Policy, Inflation & the Rupee
How a repo decision reaches your EMI, and how long it takes. - GuidePersonal Finance 2026: Banking, Insurance & EPF
The four things worth getting right before anything clever. - CityPune Real Estate Market 2026
Micro-market by micro-market, with the numbers rather than the sentiment. - InsuranceIRDAI Health Insurance Rules 2026
What changed on pre-existing conditions, waiting periods and claim settlement.
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Negotiating a land or redevelopment deal?
An independent read on where the liability and the money actually sit — before you sign, from someone who structures these deals on the developer side.
Written by Utkarsh Garg, who works in real-estate development and writes this alongside it. Educational content only — FinEstate is not a SEBI-registered Investment Adviser and nothing here is investment advice. Editorial policy · About · Contact