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If your salary is ₹12.75 lakh or below, your tax bill this year is ₹0. Not a typo. Here is the complete breakdown of the new Income Tax Act 2025 slabs, section mapping, and worked examples for ₹12L, ₹15L, ₹18L and ₹25L salaries.
Read MoreGold is trading around ₹1.52–1.54 lakh per 10g this Akshaya Tritiya 2026. Before you buy, here is what 10 years of festival-day gold prices and a direct comparison of all four gold investment forms tells you.
Read MoreNifty fell 10%+ in March 2026. Sensex crashed 1,400 points in a single session. Here's exactly why it's happening and what you should do.
Read MoreA clear comparison of old and new tax regimes with worked examples across ₹8L, ₹12L, ₹18L and ₹25L salary levels so you can make an informed decision.
Read MoreIndia's 60-year-old Income Tax Act 1961 is replaced from April 1, 2026. Here's what actually changes for salaried professionals — without the jargon.
Read MoreCompounding is not a concept. It is arithmetic that works silently in your favour every single day you stay invested. Here is what it actually does to your money — with real numbers.
Read MoreAll Articles
Oracle Layoffs 2026: What 12,000 Indian Employees Can Teach the Rest of Us About Financial Resilience
Oracle was not in financial trouble. It posted 22% revenue growth. Yet around 12,000 employees in India reportedly lost their jobs in a single morning. If your company decided tomorrow that AI makes your role redundant, are you financially ready?
Read ArticleHow to Update PF KYC Online Without HR Approval in 2026 — Step-by-Step UAN Guide
Since April 2025, bank account KYC can be updated directly on the UAN portal without employer approval. Here is the exact process, common rejection reasons and fixes, what still needs employer sign-off, and how to use Self-Mark Exit.
Read ArticleITR Filing 2026-27: Deadline Is July 31 for Salaried Employees — What Changed and What to Do Before You File
Finance Act 2026 introduced split ITR deadlines — July 31 for salaried employees, August 31 for non-audit business cases. The Income Tax Act 2025 is also changing terminology. Here is what every salaried employee needs to know before filing.
Read ArticleNifty 50 vs S&P 500: 20 Years of Returns Compared — What US Investors Need to Know About India
India grows at 6-7% GDP annually. Yet Nifty 50 has underperformed the S&P 500 in USD terms across every measured period. Here is why — and what it means for NRIs and US investors considering India exposure in 2026.
Read ArticleEPFO Minimum Pension Hike 2026: ₹7,500 Proposed But Not Approved — What EPS-95 Members Need to Know
The ₹7,500 EPS minimum pension hike is not approved as of May 2026. The current minimum remains ₹1,000 per month unchanged since 2014. Here is what is actually proposed, who is eligible, how EPS is calculated, and what realistically happens next.
Read ArticleBank Holidays May 2026: Complete List, What Closes, and 6 Things to Do Before April 28
May 1 is a Friday. Banks are closed. May 3-4 is the weekend. That is three consecutive branch-closed days before May 5. Here is the full holiday list, what still works digitally, and exactly what to finish before tomorrow.
Read ArticleCredit Card Tax Notice 2026: Why the Income Tax Department Is Watching Your Spending — And How to Stay Safe
The Income Tax Act 2025 introduced weekly data sync between banks and the tax department. Your credit card activity is now visible faster than before. Here is what actually triggers a notice, what does not, and exactly what to do if you get one.
Read ArticleMCX Gold Price Falling After Akshaya Tritiya 2026 — Should You Buy, Hold or Sell?
Gold hit ₹1,58,000 on Akshaya Tritiya. Three days later it is at ₹1,53,600 — a ₹4,400 drop in 72 hours. Here is what is driving the fall, whether this is normal, and exactly what to do depending on your situation.
Read ArticleNPS vs PPF 2026 — Why the 80% Withdrawal Rule Changed Everything (And Which One Actually Wins for Your Retirement)
Until 2025, NPS forced you to hand 40% of your retirement corpus to an insurance company as an annuity. That rule is now down to 20%. Here is what that means for how NPS compares to PPF in 2026 — with the actual numbers.
Read ArticleSalary Tax Calculator 2026-27 — Zero Tax up to ₹12.75 Lakh, New Sections, and Which Regime Actually Wins for You
If your salary is ₹12.75 lakh or below, your tax bill this year is ₹0. Not a typo. Here is the complete breakdown of the new Income Tax Act 2025 slabs, section mapping, and worked examples for ₹12L, ₹15L, ₹18L and ₹25L salaries.
Read ArticleAkshaya Tritiya 2026 Gold Price: Physical Gold vs Digital Gold vs SGB vs Gold ETF — What the Data Actually Says
Gold is trading around ₹1.52–1.54 lakh per 10g this Akshaya Tritiya 2026. Before you buy, here is what 10 years of festival-day gold prices and a direct comparison of all four gold investment forms tells you.
Read ArticleEPFO 3.0 Withdrawal Rules 2026 — What Has Changed and How to Withdraw Your PF
EPFO simplified partial withdrawals in October 2025, cutting 13 rules to 3 categories. Auto-settlement now covers ₹5 lakh claims in 3 days. Here is what changed and what is still coming.
Read ArticleStrait of Hormuz Crisis — How a Conflict Thousands of Miles Away Hits Your Grocery Bill and EMI
The Strait of Hormuz is 3,500 km from India. Yet within weeks, petrol, LPG, food prices and your home loan EMI are all under pressure. Here is the exact chain.
Read ArticleWhy Is the Indian Stock Market Falling in 2026? The Iran-US Conflict Explained
Nifty fell 10%+ in March 2026. Sensex crashed 1,400 points in a single session. Here's exactly why it's happening and what you should do.
Read ArticleRBI MPC April 2026 — Repo Rate Held at 5.25%, What It Means for Your Loans and Savings
RBI kept the repo rate at 5.25% in April 2026. No EMI relief from this meeting. Here is what the decision means for home loan borrowers, FD investors, and your household finances.
Read ArticleCrude Oil at $100+ — How Rising Oil Prices Hit Every Indian's Finances
Brent crude crossed $115 in March 2026. For India, which imports 85% of its oil, this hits your petrol bill, groceries, loan EMI and savings. Here is the complete picture.
Read ArticleFII Selling ₹1.23 Lakh Crore — What Foreign Investor Outflows Mean for Your Portfolio
In March 2026, foreign investors pulled out a record ₹1.23 lakh crore from Indian markets. Here is who FIIs are, why they sold, and what it means for your portfolio.
Read ArticleBest FD Rates in India — May 2026 Updated Comparison Across All Major Banks
RBI held the repo rate at 5.25%. FD rates range from 6.05% to 7.50% — updated May 2026. Complete comparison across major banks, small finance banks, and senior citizen rates.
Read ArticleShould You Stop Your SIP During a Market Crash? What 30 Years of Data Shows
Nifty is down 10%+ and your portfolio is bleeding. Every instinct says stop investing. Here's what 30 years of data actually shows about stopping SIPs during crashes.
Read ArticleNPS in India — What It Actually Is, What the Annuity Catch Means, and Whether You Should Invest
NPS gives you an extra ₹50,000 tax deduction that no other instrument offers. But 40% of your corpus must go into an annuity at retirement. Here is what that means in practice, who benefits most, and who should skip it.
Read ArticleRBI New Rules April 2026 — UPI 2FA, ATM Charges, CIBIL Updates Explained
From April 2026, RBI has introduced mandatory 2FA for all digital payments, faster CIBIL updates, new ATM charges, and no foreclosure penalty on home loans.
Read ArticleOld vs New Tax Regime 2026-27 — Which One Should You Choose?
A clear comparison of old and new tax regimes with worked examples across ₹8L, ₹12L, ₹18L and ₹25L salary levels so you can make an informed decision.
Read ArticleNew Income Tax Act 2025 — What Actually Changes from April 1, 2026
India's 60-year-old Income Tax Act 1961 is replaced from April 1, 2026. Here's what actually changes for salaried professionals — without the jargon.
Read ArticleGold Investment in India 2026 — Current Prices, Best Form to Buy, and How Much to Hold
Gold hit ₹1,58,000 in April 2026. Before you buy, here is which form actually makes sense — physical, digital, SGB, or Gold ETF — and how much your portfolio should hold.
Read ArticleWhy Investors Stop SIPs at Exactly the Wrong Time — And How to Not Be One of Them
Most SIP investors stop during market crashes — precisely when SIPs work best. Here is what drives these decisions, what the data shows about the cost, and how to build systems that keep you invested.
Read ArticleSIP vs Lumpsum — Which Works Better for Indian Investors, and Does the Answer Change During a Market Crash?
SIP or lumpsum — the honest answer depends on whether you have a monthly income or a one-time corpus. Here is how to think about it, with data from Indian markets and context from the current 2026 crash.
Read ArticleFD vs Debt Funds — Which Is Better for Your Money in 2026?
Fixed deposits and debt mutual funds both claim to be the safe option. They are not the same thing. Here is an honest comparison covering returns, taxation, liquidity, and risk — with current April 2026 numbers.
Read ArticleCAGR vs XIRR — Why Comparing Your SIP Returns to a Friend's Lumpsum Is Misleading
Most investors use the wrong metric to measure SIP performance. CAGR is for lumpsum. XIRR is for SIPs. Using CAGR on a SIP can make a 13% XIRR look like a 7% return. Here is the difference with examples you can calculate yourself.
Read ArticleGoal-Based Investing — How to Stop Investing Randomly and Start Investing With Purpose
Most Indians invest without knowing what they are investing for. Here is a practical framework for building separate investment buckets for each life goal — with actual SIP amounts, inflation-adjusted targets, and asset allocation that changes as each goal gets closer.
Read ArticleReal vs Nominal Returns — Why Your 7% FD Is Probably Not Growing Your Wealth
A 7% FD in a 6% inflation environment gives you 1% real growth. A savings account at 3.5% is shrinking your wealth. Here is how to calculate what your investments are actually doing to your purchasing power.
Read ArticleThe Power of Compounding — Why Starting at 25 Beats Investing Double at 35
Compounding is not a concept. It is arithmetic that works silently in your favour every single day you stay invested. Here is what it actually does to your money — with real numbers.
Read ArticleNew articles published weekly. All content is reviewed by the PlanivestFin Research Team.