Utkarsh GargReal Estate · Stamp Duty & Capital Gains · Updated 23 September 2026 · 21 min read Quick answer A circle-rate hike is usually reported as a buyer’s problem — higher stamp duty. The bigger, quieter cost lands on the seller. If you sell below the circle rate, Section 78 of the Income-tax Act 2025 … Read more
Land & Development · JDA · 8 min read Quick answer The ratio is not the deal. A 40% area-share can leave a landowner with less than a 30% revenue share, once loading, which areas are counted, and who carries sales risk are factored in. Area sharing gives you a fixed count of units regardless … Read more
Tax & Investing Investing · 28 August 2026 · 10 min read Disclosure: This article compares investment structures for educational and general informational purposes only. It does not constitute investment advice and is not a recommendation to buy or hold any instrument. Equity returns are not guaranteed and past performance does not indicate future results. … Read more
Bengaluru, Pune, Hyderabad and Ahmedabad join the 50% HRA cap from FY 2026-27. For many renters the change is worth nothing, because a different limit was binding all along.
Land & Development · RERA · 8 min read · Based on the Karnataka High Court order of 11 August 2026 Quick answer A landowner who signs a JDA is not just an owner — under RERA they are a co-promoter, and carry joint statutory liability for the project’s delays, penalties and registration obligations. The … Read more
Tax & Investing Income Tax · 24 August 2026 · 10 min read Disclosure: This article explains income tax slab structures and regime comparison for educational and general informational purposes only. It does not constitute tax advice. All computations are illustrative, exclude surcharge and any income other than salary, and assume the deductions stated. Tax … Read more
Personal Finance · NPS & Retirement · Quick answer 30 sec · Full read 17 min Tier 1 is the actual retirement account: locked until you turn 60, eligible for tax deductions under the Old Regime, and at exit at least 40% of the corpus must buy an annuity while up to 60% comes out tax-free. Tier … Read more
Tax & Investing Income Tax · 19 August 2026 · 9 min read Disclosure: This article explains income tax refund procedures for educational and general informational purposes only. It does not constitute tax or financial advice. Portal navigation paths, processing timelines, and procedures are subject to change. Verify current steps at incometax.gov.in, and consult a … Read more
The Union Cabinet approved raising the EPF wage ceiling to Rs 25,000 on 16 September 2026. The gazette notification has not been published, so the legally operative ceiling is still Rs 15,000. What changes, and what is still open.
Buying a home is four decisions stacked together, and the expensive mistakes are in the first two. What you can afford is a different number from what a bank will sanction.