Rohit Desai

CIBIL is one of four RBI-licensed credit bureaus. Score 300-900; 750+ is lender-friendly. Factors: payment history, utilisation, length, mix, inquiries (weights proprietary). New RBI rules: fortnightly updates, free annual report, SMS alerts, 30-day dispute with Rs 100/day compensation.

Post-23 July 2024 capital gains regime: STCG on listed equity at 20% (Sec 111A), LTCG at 12.5% above Rs 1.25L (Sec 112A). Other assets at 12.5% no indexation (Sec 112) — but resident individuals/HUFs keep a transitional indexation choice on land/building acquired pre-23 July 2024.

The new tax regime has quietly killed the old PPF+NPS+ELSS triangle — but not as most articles tell you. A SEBI-RIA's honest take on what each is worth under FY 2026-27 rules, why employer NPS via 80CCD(2) is the one real tax break left, and why ELSS may no longer belong.