Tax, GST & finance, explained clearly.
Original coverage of Indian tax rulings, GST changes, compliance deadlines and money decisions — distilled into plain English by the Bluman editorial desk.
Fixed or Floating? The Real Costs and Pitfalls of Hybrid Home Loans in India
Hybrid home loans offer initial fixed EMIs but may carry hidden costs, switching fees and unclear long-term savings. Know when a hybrid home loan makes sense—and when it doesn’t.
13 Sept 2026 · 4 min read
Year-End Expense Provisions: Why No TDS May Apply When Payee Details Are Missing
If you book provisional expenses without knowing the exact payee, do you still need to deduct TDS? ITAT Mumbai’s decision shows how Section 40(a)(ia) protects taxpayers from double jeopardy, but only in specific situations.
12 Sept 2026 · 3 min read
Relocating to the UAE? Why Your Indian Tax Residency May Outlast Your Emirates ID
Moving to the UAE doesn’t automatically end your Indian tax residency. Understand annual day count tests, the ₹15 lakh rule, and why careful tracking matters for compliance.
12 Sept 2026 · 4 min read
Transferring Physical Shares in a Private Limited Company: The Step That Trips Up Many Investors
Transferring shares held in paper form in a private company involves strict steps, stamp duty, company approval, and special handling for non-resident cases. Here's what every buyer, seller and director needs to know.
12 Sept 2026 · 4 min read
NRI Nominees for Indian Mutual Funds and Shares: The Legal Catch Most Families Miss
NRIs can be nominated to claim Indian financial assets, but nomination alone doesn’t guarantee ownership. Understanding the legal and FEMA repatriation requirements is critical for families with global ties.
12 Sept 2026 · 4 min read
Thinking of Leaving Atal Pension Yojana Early—or Claiming Benefits at Maturity? Here’s What Most Subscribers Overlook
The Atal Pension Yojana offers guaranteed pensions for unorganised sector workers, but strict rules apply if you withdraw funds early or claim your benefits at maturity. Understand the process, risks and requirements before acting.
12 Sept 2026 · 3 min read
Securities and Mutual Fund Trades in Your Demat Account Will Now Be Reported Directly to the Tax Department — What Every Investor Should Expect From New SFT Rules
CBDT’s fresh rules for Statement of Financial Transactions (SFT) make depositories report biannual details of every Demat trade — shaping pre-filled returns and capital gains. Here’s what this means for you.
12 Sept 2026 · 3 min read
Tax Department Recovered More Than You Owed? Your Legal Rights to Refunds, Interest, and What Happens Next
If the Income-tax Department recovers more than your actual tax liability, you are legally entitled to a prompt refund—with interest. Here’s how refund, interest, adjustment, and withholding rules work, including when refunds can be held back, adjusted, or recovered again.
12 Sept 2026 · 4 min read
Thinking of Becoming a Loan Guarantor? The Long-Term Impact on Your Own Loan Eligibility and Credit Score
Agreeing to be a loan guarantor doesn’t just help someone else—it can affect your own chances of getting a loan, your borrowing power, and your credit score for years to come. Here’s what every would-be guarantor must know.
12 Sept 2026 · 3 min read
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