Utkarsh Garg
The FY 2025-26 interest landed around 15 July 2026 at 8.25%. A credit arriving is not the same as a credit being correct — your passbook only reflects what your employer actually filed.
RBI & Macro Inflation · June 2026 · 7 min read By Utkarsh Garg · Founder & Editor · Published 12 June 2026 · Last updated 12 June 2026 Disclosure 1 — Not investment advice: This article is for general educational purposes only and does not constitute financial, investment, or tax advice. Do not take … Read more
Personal Finance › Insurance › Term Insurance India 2026 Term Insurance for Salaried India 2026: How Much Cover, Which Riders, and the Tax Truth By Utkarsh Garg · Founder & Editor · June 2026 · Personal Finance / Insurance Disclosure: This article provides general educational information about term insurance and does not constitute personalised insurance … Read more
Tax & Investing Income Tax · June 2026 · 9 min read Educational content only. This article does not constitute personalised tax advice. Every taxpayer’s income profile, transaction history, and compliance obligations differ. Consult a Chartered Accountant for advice specific to your situation — particularly if you have business income, foreign assets, or multiple exemptions … Read more
ESOPs and RSUs are taxed twice — as salary at exercise and as capital gains at sale. If the shares are foreign, a third obligation applies that has nothing to do with tax.
Real Estate Home Buying · By Utkarsh Garg, Founder & Editor · June 2026 · 9 min read Disclosure: This article is for general informational purposes only and does not constitute financial, legal, or property advice. GST rates, RERA rules, and stamp duty regulations are subject to change and vary by state. Verify all figures … Read more
Real Estate · Home Loans · Quick answer 30 sec · Full read 16 min Consider switching from MCLR to EBLR when the rate gap is roughly 50–100 bps: EBLR home loans reprice faster when the RBI cuts rates. Check your loan’s reset clause and any switch fee in the Key Facts Statement first — the break-even … Read more
RBI & Macro RBI Policy · 5 June 2026 · 9 min read Disclosure: This article is for educational and informational purposes only. It does not constitute investment or financial advice. RBI policy data verified against the primary RBI Monetary Policy Statement and Governor’s Statement (Press Releases 2026-2027/385 and 2026-2027/386, 5 June 2026). All EMI … Read more
Tax & Investing Income Tax · June 2026 · 10 min read Disclosure: This article is for educational and general informational purposes only. It does not constitute tax or financial advice. Tax rules, rates, and deadlines change with Finance Acts and CBDT notifications. Verify all figures at incometaxindia.gov.in before making any payment. Consult a qualified … Read more
City Markets #1 Real Estate Pune · June 2026 · 14 min read Disclosure: This article is for general informational purposes only. It does not constitute property investment or financial advice. Real estate is hyperlocal — prices, inventory, and market conditions change rapidly. All figures cited carry explicit source attributions and should be verified against … Read more