Wealth Building
The emergency fund and SIP plan that survives a bad year
Most investment plans fail in the first downturn because there was no cash buffer behind them. Build the buffer first,…
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Wealth Building
Working Capital
Working capital for MSMEs: the cash conversion cycle, explained with numbers
Profitable businesses run out of cash for structural reasons, not mysterious ones. Measure the gap between paying suppliers and being…
Capital Gains Tax
Capital gains on shares and mutual funds: how the tax is actually computed
Holding period decides the rate, the fund category decides the holding period, and the broker statement rarely decides anything correctly.…
GST Returns
GSTR-9 and GSTR-9C: a working method for the annual return
The annual return is not a fresh filing. It is a reconciliation of three sets of numbers you already have…
Income Tax
Eight ITR filing mistakes that trigger a notice — and how to avoid each one
Almost every scrutiny notice we see starts the same way: the return says one thing and the Annual Information Statement…
Retirement Planning
How big a retirement corpus do you actually need?
Inflation, not returns, is what decides the number.
Startup Finance
What a startup should keep in its books from day one
Clean books are cheaper to maintain than to reconstruct.
Input Tax Credit
Input tax credit: the five mismatches that cause notices
Most ITC notices come from the same handful of reconciliation gaps.
Income Tax
Old regime vs new regime: how to actually decide
The break-even depends on how much you genuinely claim, not on what you could claim.