TaxSocial

#Personal Finance

16 articles

Personal finance for Indian taxpayers sits at the intersection of tax planning, investment selection, regulatory protection and household cash flow. The articles tagged Personal Finance on TaxSocial cover topics that affect day-to-day money decisions: where to invest, how the tax treatment of equity / debt / mutual funds works, what's actually in your CIBIL score, the safety distinction between e-Rupee and UPI, retirement vehicle comparisons, insurance and risk management, and the personal-side consequences of regulatory changes — for instance, what happens when you leave India, or how the new digital-rupee framework changes the role of cash. Each article is written for a reader who will act on the conclusion. Use this hub when a tax client asks a money-management question that strays beyond the return.

'Digital Arrest' Scam Hits 72-Year-Old Sikar CA: Rs 1.03 Crore Lost in 24 Days — How the Fraud Works, and Why Police, CBI or ED Never Arrest Anyone on a Video Call

Neha Kapoor
Neha Kapoor Editorial Team · May 6
A 72-year-old CA in Sikar lost Rs 1.03 crore in a 24-day digital-arrest scam (Patrika, May 2026). Fake CBI/ED officers in uniform threatened him over a fake FIR via video call. 15 transactions later, the money was gone. There is no such thing as digital arrest in Indian law.
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Crypto and VDA Tax in India for AY 2026-27: The 30% Flat Rate, 1% TDS, Schedule VDA in ITR, and the New Section 509 Reporting Regime from 1 April 2026

Kartik Shah
Kartik Shah · May 5
Crypto and NFT gains are taxed at a flat 30% under Section 115BBH (Section 194 of IT Act 2025) — only cost of acquisition deductible, no loss set-off, no carry-forward. 1% TDS under 194S. Disclose in Schedule VDA. From 1 April 2026: exchanges report under Section 509; penalties under Section 446.
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Form 26AS vs AIS vs TIS: What Each One Actually Shows, How to Fix Mismatches, and the Form 168 Renaming from 1 April 2026

Sneha Joshi
Sneha Joshi Editorial Team · May 5
Form 26AS shows tax credits: TDS, TCS, advance/SAT, refunds. AIS shows the full picture: every transaction the department knows. TIS aggregates AIS for ITR prefill. From AY 2027-28 (tax year 2026-27), Form 26AS becomes Form 168 under IT Act 2025 Sec 510 + Rule 245 IT Rules 2026.
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F&O and Intraday Trading Taxation for AY 2026-27: ITR-3, Audit Threshold, 44AD Presumptive Scheme, ICAI Turnover Rule, and the 2026 STT Hike

Karan Malhotra
Karan Malhotra Editorial Team · May 3
F&O = non-spec business; intraday = spec business. File ITR-3. Audit at Rs 10 cr turnover (95% digital). 44AD: 6% digital up to Rs 3 cr. ICAI 8th edition: turnover = absolute P&L. F&O loss carries 8 yrs (Sec 72); intraday loss only against spec gains, 4 yrs (Sec 73).
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Which ITR Form Should I File for AY 2026-27? — Decision Tree Across ITR-1, ITR-2, ITR-3, and ITR-4 (Sugam) with Worked Examples

Karan Malhotra
Karan Malhotra Editorial Team · May 2
Pick the right ITR for AY 2026-27. ITR-1 (Sahaj) now allows two house properties + LTCG u/s 112A up to Rs.1.25L (CBDT Notif 45/2026). ITR-2 for capital gains above Rs.1.25L, foreign assets, NRI/RNOR. ITR-3 for any business/professional income. ITR-4 (Sugam) for 44AD/44ADA/44AE presumptive.
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Section 80D / Section 126 Decoded: Health Insurance Deduction Limits, Senior Parent Carve-Out, and the Cash-Payment Trap Under the Income-tax Act, 2025

Neha Kapoor
Neha Kapoor Editorial Team · Apr 30
Section 80D becomes Section 126 under the Income-tax Act, 2025: Rs 25K / 50K self bucket, Rs 25K / 50K parents bucket, Rs 5K preventive checkup inside limits, Rs 50K medical expenditure when senior parent has no insurance. Old regime only. Cash disallowed except preventive.
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ESOP Taxation Decoded: Two-Stage Tax (Perquisite at Exercise + Capital Gains at Sale) Under the Income-tax Act, 2025

Neha Kapoor
Neha Kapoor Editorial Team · Apr 30
ESOPs are taxed twice: at exercise as salary perquisite under Section 17(1)(d), and at sale as capital gain. 2025 Act mappings — Section 392 TDS, Section 140 eligible startup, 60-month deferral for shares allotted from 1 April 2026 — plus Budget 2024 capital gains rates and worked examples.
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Capital Gains Tax for AY 2026-27: STCG and LTCG on Shares and Mutual Funds, the Section 87A Rebate Trap, and How the Section 50AA Debt-MF Rule Bites

Rohit Desai
Rohit Desai · Apr 23
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.
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Freelancer and Gig Worker ITR for AY 2026-27 — Section 44ADA Presumptive Scheme, ITR-3 vs ITR-4 (Sugam), Advance Tax, and Tax Audit Triggers

Sneha Joshi
Sneha Joshi Editorial Team · Apr 18
Freelancers and gig workers, AY 2026-27. Sec 44ADA presumptive: 50% deemed profit on receipts up to Rs 50L (Rs 75L if cash receipts ≤ 5%). Specified professions only (Sec 44AA(1)) — IT, legal, medical, accountancy etc. ITR-4 (Sugam) for presumptive (total income ≤ Rs 50L); ITR-3 otherwise. Advance tax in one shot by 15 March. Sec 44AB audit if you declare lower than 50% AND income exceeds basic exemption.
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