Insights/Tax Consultation

    Tax Consultation Insights

    Practical tax planning guides to help you make informed, year-round decisions rather than a March rush.

    17 articles

    All Insights
    October 21, 2026• 11 min read

    Which ITR Form to File? ITR-1 to ITR-4 Explained (2026 Guide)

    For FY 2025-26, ITR-1 now allows equity LTCG up to ₹1.25 lakh, but a single rupee of short-term gain, foreign RSU or F&O trade pushes you to a longer form. Here is how to pick the right ITR form, what to do if you missed the deadline, and what changes for tax year 2026-27.

    Money n Wealth
    October 21, 2026• 11 min read

    Union Budget 2027: What Investors and Taxpayers Should Watch

    Union Budget 2027-28 is expected on 1 February 2027, the first full Budget under the new Income-tax Act, 2025. Here is a recap of what Budget 2026 already changed, the open questions for taxpayers and investors, and what to do before budget day.

    Money n Wealth
    October 20, 2026• 10 min read

    HUF Tax Saving in 2026: How a Hindu Undivided Family Cuts Tax

    A Hindu Undivided Family is a separate taxpayer with its own PAN, slabs and ₹1.25 lakh equity gains exemption. Used with genuine family property, an HUF can save a 30% taxpayer close to ₹2 lakh a year, but gifting your own money into it achieves nothing.

    Money n Wealth
    October 20, 2026• 11 min read

    HRA Exemption 2026: Calculation, 8 Metro Cities and Regime Choice

    From tax year 2026-27, Pune, Bengaluru, Hyderabad and Ahmedabad join Delhi, Mumbai, Kolkata and Chennai in the 50% HRA bracket. Here is how the least-of-three formula works, when the exemption is worth claiming, and when the new regime still wins.

    Money n Wealth
    October 20, 2026• 12 min read

    Income-tax Act 2025 Explained: New Section Numbers, Tax Year and Forms

    Section 80C is now section 123, 80D is 126 and Form 16 has become Form 130. The Income-tax Act 2025 took effect on 1 April 2026; here is a verified old-to-new section map, the new "tax year", and what has not changed for individual taxpayers.

    Money n Wealth
    October 20, 2026• 14 min read

    Income Tax Notice in 2026: What Each Type Means and How to Respond

    Most income tax notices are routine: a 143(1) intimation, a defective-return note or a refund adjustment, each with a fixed reply window. Here is what every common notice means, which section it cites under the 1961 and 2025 Acts, and how to respond online before the deadline.

    Money n Wealth
    October 19, 2026• 11 min read

    Gifting Money to Family in 2026: Gift Tax and Clubbing Rules Explained

    A gift from a relative is tax-free in any amount, but the income it earns may still be taxed in your hands. Here is who counts as a relative, how the ₹50,000 rule works and when clubbing applies under the Income-tax Act, 2025, with legal ways to save tax as a family.

    Money n Wealth
    October 17, 2026• 13 min read

    ESOP and RSU Taxation in India: 2026 Guide for IT Employees

    An RSU is taxed twice in India: as salary when it vests, and as a capital gain when you sell. US-listed shares need 24 months for long-term status, must be reported in Schedule FA, and a one-time disclosure window for missed reporting closes on 31 December 2026.

    Money n Wealth
    October 14, 2026• 13 min read

    Capital Gains Tax on Shares in 2026 and How Tax Harvesting Works

    Listed shares sold within 12 months attract 20% tax; after that, gains above ₹1.25 lakh a year are taxed at 12.5%. Used well, gain and loss harvesting can save a family ₹16,000 or more every year, and buybacks are capital gains again from April 2026.

    Money n Wealth
    October 12, 2026• 6 min read

    Rental Income Tax in India: 30% Deduction, Municipal Tax and Loan Interest

    Tax on rent is not charged on what the tenant pays you. A step-by-step look at annual value, the flat 30% deduction and loan interest, with a worked example in rupees.

    Money n Wealth
    October 12, 2026• 6 min read

    Senior Citizen Tax Planning in India: Interest, Pension and Rent

    Interest, pension and rent each reach a senior citizen's return by a different route. Here is how they are taxed in 2026-27, when banks deduct TDS and what changed with Form 121.

    Money n Wealth
    October 12, 2026• 7 min read

    Retirement Tax Planning in India: 5 Ways to Manage Withdrawals

    The order and timing of retirement withdrawals can change your tax bill as much as the products you hold. Five practical steps, plus the 2026-27 numbers every retiree should know.

    Money n Wealth
    October 9, 2026• 10 min read

    Tax Planning for Salaried Families: Beyond 80C and the March Rush

    Most salaried families now pay less under the new regime, but not all. See the break-even deductions by salary, the April 2026 law change and a month-by-month tax calendar.

    Money n Wealth
    October 8, 2026• 9 min read

    Foreign Assets in Your Indian Tax Return: Schedule FA, Foreign Tax Credit and Common Mistakes

    Holding a single foreign share can oblige a resident to file ITR-2 and fill Schedule FA, even with no sale and no income. Here is who must report, where each item goes and what the ₹20 lakh relief does and doesn't cover.

    Money n Wealth
    October 8, 2026• 11 min read

    NRI Taxation in India: Residential Status, Indian Income, TDS and DTAA Explained

    Your passport doesn't decide how India taxes you; your days in India do. A 2026 guide to the residency tests, NRE/NRO accounts, TDS on Indian income and how DTAA relief actually works.

    Money n Wealth
    September 4, 2026• 10 min read

    Tax Consultation in India: ITR Filing, Capital Gains Advisory and GST — What a Complete Tax Relationship Actually Covers

    Most tax outcomes are decided months before the July filing rush. What a year-round tax consultation covers, how it links to your investments, and what changed with the Income-tax Act, 2025.

    Money n Wealth
    August 11, 2026• 12 min read

    Tax Planning in India (FY 2026-27): Old vs New Regime and How to Save Tax

    For most salaried taxpayers the new regime now wins at every income level, unless deductions are large. Compare both with real numbers, see what the new Income-tax Act renamed, and plan capital gains.

    Money n Wealth

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