TaxSocial

#Personal Finance

23 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.

Bringing an iPhone 18 Pro or iPhone 17 From Dubai or the US: What Indian Customs Charges Under the Baggage Rules 2026 (Rs 75,000 Allowance, 35% on the Rest, Worked Examples)

Sachin Mohite
Sachin Mohite · Sep 17
A resident flying into India gets Rs 75,000 of articles duty-free; a new iPhone above that pays 35% basic customs duty on the excess, with no surcharge and no IGST. The "10% from April" rate is for post and courier, not airports. Worked figures for the iPhone 18 Pro from Dubai and the US, and the iPhone 17.
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TDS on Cash Withdrawals From 1 April 2026: Section 393(3) Replaces 194N, the Rs 20 Lakh Non-Filer Tier Is Gone, and the New Text Says "Entire Amount"

Mrunmai Madaye
Mrunmai Madaye · Sep 14
From 1 April 2026 the bank deducts 2% on cash withdrawals above Rs 1 crore (Rs 3 crore for a co-operative society) under section 393(3) of the Income-tax Act, 2025. Two things changed that most bank FAQs have not caught: the old non-filer tier is not in the new Act, and the new text says the deduction is "on the entire amount".
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EPF Partial Withdrawal Under the 2026 Scheme: Thirteen Reasons Collapsed Into Three, 75% of Your Balance Reachable After 12 Months, and the 25% That Stays Locked (Paragraph 46 Explained)

Mrunmai Madaye
Mrunmai Madaye · Sep 13
The EPF Scheme 2026 (in force 29 June 2026) replaced thirteen advance provisions with three categories: essential needs, housing, special circumstances. Each allows up to 100% of your "Eligible Member Balance", which is your balance minus a 25% minimum that stays, after 12 months of membership. Limits, how many times, a worked example, and the tax position.
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SEBI’s Nomination Rules from 1 September 2026: Your Existing Demat Account Is Not Freezing, and Here Is What Actually Changed

Mrunmai Madaye
Mrunmai Madaye · Sep 8
From 1 September 2026 a new single-holder demat account or mutual-fund folio must carry a nomination or a recorded opt-out. Existing accounts get reminders, not a freeze; the freeze rule was withdrawn in June 2024. Up to three nominees, only name and relationship mandatory, no witness for a signed form. What the SEBI circular of 29 May 2026 says.
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PFRDA Has Put Every NPS Scheme on One Risk Scale: The Five Categories, the Riskometer, and What Changes for You

Mrunmai Madaye
Mrunmai Madaye · Sep 4
Two PFRDA circulars of 28 August 2026 sort every NPS scheme into five types, grade pension-fund schemes A to E by equity share, put a riskometer on each, fix a naming format and a selection journey, and allow two scheme changes a year. Renames are due by 27 September. What a subscriber sees, and what to do.
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'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

TaxSocial Editorial Team
TaxSocial 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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CIBIL Score in 2026: What Actually Affects It, the New RBI Rules from 2024-25, Your Rights, and the Numbers Lenders Use

TaxSocial Editorial Team
TaxSocial Editorial Team · May 5
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.
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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

TaxSocial Editorial Team
TaxSocial Editorial Team · 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

TaxSocial Editorial Team
TaxSocial 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

TaxSocial Editorial Team
TaxSocial 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

TaxSocial Editorial Team
TaxSocial 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. Filing the wrong form triggers Sec 139(9) defective notice.
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