Utkarsh Garg
Buying property from an NRI seller gets new paperwork from 1 October 2026, not a new tax. A CBDT rule moves the purchase onto Form 141’s new Schedule E, asking for the seller’s tax residency certificate and foreign tax ID before you pay. Joint buyers file separate forms, with proportions that must add up to the full price.
No Claim Bonus and restoration benefit sound alike and do opposite jobs. NCB grows next year’s cover after a claim-free year; restoration refills this year’s sum insured after a claim exhausts it. IRDAI’s 2024 circular handed the choice of NCB form to the policyholder and left restoration optional, not mandatory. What to check in the CIS before you buy.
IRDAI’s 2024 Master Circular stopped insurers refusing health cover to cancer survivors outright. It did not stop them pricing the risk. A policy must be offered, but it can carry a loading, a waiting period of up to 36 months on cancer claims, or a permanent cancer exclusion. Written reasons are due within 15 days. What to ask for, and what to refuse.
Signing a joint development agreement does not leave you a landowner. Under RERA it can make you a co-promoter: liable to buyers you never sold to, and, on a 2026 Telangana RERA order, barred from filing a RERA complaint against your own developer. Two 2026 rulings, the tax clauses most JDAs miss, and what to fix before you sign.
From 15 October 2026, UPI payments to merchants above Rs 2,000 attract a 0.4% Merchant Discount Rate, capped at Rs 300. The merchant pays it, not you: NPCI expressly bars passing it on as a surcharge at checkout. Here is exactly which of your payments are touched, which are not, and why the sub-Rs 2,000 and P2P transfers you make every day stay free.
A land aggregator turns seven fragmented owners into one clean parcel a developer will pay a premium for. What it costs you is the spread: the gap between the developer’s price and yours, almost never disclosed. Here is where that margin sits, why hiding it kills the next deal, and the narrow conditions under which going direct is actually worth it.
IRDAI 2024 makes robotic surgery a mandatory inclusion, but permits a sub-limit on what the insurer pays. Coverage and payout are two different questions. Check the Modern Treatment Benefits schedule.
FOMC September 2026 India impact: dot plot median federal funds rate, June versus September 2026 projections
Paid perquisite tax when your foreign RSUs vested but never filled Schedule FA? FAST-DS almost certainly puts you on the Rs 1 lakh flat-fee track, not the 60% one.