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Getting Started
Income Tax Act 2025 Explained Simply — Free Guides & ToolsIncome Tax Act 2025 decoded: slabs, ₹12L rebate, regime compare, 80C, HRA, TDS, ITR filing — 80…
Income Tax Act 1961 vs 2025: 6 Major Changes You Must Know819→536 sections, PY+AY→one 'Tax Year', TDS in 3 sections, HRA at 50% for 8 cities — every diff…
Tax Year vs Assessment Year: India's New Rule From Apr 2026One 'Tax Year' replaces Previous Year + Assessment Year under the Income Tax Act 2025. What cha…
Income Tax News & Updates 2026: Every Change, Dated (Sept 2026)Dated changelog: ITA 2025 in force, 194-I ₹50k/mo, 194T partner TDS, 194M 2%, HUDCO 54EC, LTA 2…
Read Any Tax Section: Clause, Proviso + 2025 Finder | TaxSetuDecode 10(13A), 139(8A), 56(2)(x): sections, sub-sections, clauses, provisos explained + 1961-t…
Tax Calculation
Income Tax Slabs FY 2026-27: New vs Old Regime RatesIncome tax slabs FY 2026-27: new vs old regime rates, standard deduction, rebate, surcharge + c…
Income Tax Calculator 2026-27: New vs Old in 30 SecondsFree income tax calculator 2026-27: enter salary & deductions, instantly compare new vs old reg…
₹12 Lakh Income Tax-Free: Section 87A/156 Rebate (2026)87A rebate: zero tax to Rs 12L (Rs 12.75L salary), marginal relief, capital-gains exclusion — f…
New vs Old Tax Regime 2026-27: Which Saves You More?Old regime needs ~₹5.5L deductions to win at ₹15L, ~₹7L at ₹20L. Breakeven tables, who-should-p…
Income Tax on ₹10 Lakh Salary (FY 2026-27): ₹0 + Proof₹10L salary pays ₹0 tax in the new regime — ₹9.25L taxable is inside the ₹12L rebate line. Step…
Income Tax on ₹12 Lakh Salary (FY 2026-27): Still ₹0₹12L salary = ₹11.25L taxable after standard deduction — inside the rebate line, so tax is ₹0. …
Income Tax on ₹15 Lakh Salary (FY 2026-27): ₹97,500New-regime tax on ₹15L salary is ₹97,500 incl. cess (≈₹8,125/month TDS, ≈₹1.09L in-hand). Old r…
Income Tax on ₹20 Lakh Salary (FY 2026-27): ₹1,92,400₹20L salary: ₹1,92,400 new-regime tax (9.6% effective, ≈₹16,033/month TDS). Old regime: ₹3,58,8…
Income Tax on ₹50 Lakh Salary (FY 2026-27): ₹10,99,800₹50L salary: ₹10,99,800 new-regime tax, no surcharge (taxable ₹49.25L). Old regime with home lo…
Salary & New Regime
New Regime Deductions List 2026-27: What Survives (25 Items)Complete new vs old regime survival list: 80CCD(2) 14%, 80CCH, ₹75k std ded, ₹25k family pensio…
Rental Income Tax 2026-27: 30% Deduction, Municipal Tax, ₹2L CapLet-out property tax: 30% standard deduction on NAV, municipal tax paid-basis, full interest, ₹…
HRA Special Cases: Rent to Parents, Same City, 80GG ₹60k FallbackPaying rent to parents is allowed if they declare it. HRA with own house, landlord PAN above ₹1…
Allowances Old vs New Regime: LTA, Sodexo, Kids, Company CarOnly divyang transport ₹3,200/month and duty allowances survive in the new regime. LTA block 20…
Retirement Payouts: Gratuity, Leave, VRS Tax | TaxSetuPrivate employees: gratuity exempt to ₹20L, leave to ₹25L lifetime — both regimes. Govt fully e…
Interest & Dividend Tax: FD TDS ₹50k, 80TTA, NSC, Post Office RulesFD interest: slab plus 10% TDS above ₹50k (₹1L seniors). 80TTA ₹10k, post-office savings ₹3.5k/…
Gold Tax: SGB vs ETF vs Jewellery + Coins Compared | TaxSetuPhysical gold and gold ETF: 12.5% LTCG after 24 months, slab before. SGB redeemed with RBI is f…
Save Capital Gains Tax: 54 vs 54EC Bonds vs 54F vs CGAS Compared54: house to house (₹10cr cap). 54EC: REC/PFC/IRFC/HUDCO bonds ₹50L in 6 months. 54F: any asset…
SWP Taxation + Tax Harvesting: Use ₹1.25L Gains Tax-Free YearlyEvery SWP payout is an FIFO-taxed MF redemption. Harvest equity LTCG up to ₹1.25L yearly, set S…
HRA Calculator + Exemption Guide: Least-of-3 Formula (FY 2026-27)Free HRA calculator: enter Basic, HRA, rent + metro status — get exempt HRA instantly. Least-of…
Gratuity Calculator: Formula, Eligibility + ₹20L Limit (2026)Free gratuity calculator for Gratuity-Act-covered and other employees. 5-year rule, 15×salary×y…
₹18L Salary Full Tax Story: HRA + 80C + Home Loan, New Wins (2026-27)Follow ₹17L salary end-to-end: HRA ₹2.2L, 80C, 80D, home-loan interest — old ₹1,40,400 vs new ₹…
Retiree Tax Story: Pension + FD — New Regime Wins by ₹26k (Senior)68-yr-old: pension ₹5.4L + FD ₹2.8L — old ₹45,760 (80TTB + senior slabs) vs new ₹19,500. 15H no…
Rent Receipt Generator: 12 Months + PAN Check + Stamp Rules (HRA)Free rent receipt generator: amount in words, PAN validation, stamp logic (cash >₹5k = ₹1 stamp…
Which Regime Wizard: New vs Old Verdict in 60 Seconds (FY 2026-27)Enter gross salary + total deductions + employer NPS — the wizard computes both regimes with re…
5 Heads of Income
Salary Tax & HRA Exemption 2026-27: 8 Cities Now at 50%Standard deduction ₹75,000, HRA least-of-3 formula (50% now for Bengaluru, Hyderabad, Pune, Ahm…
Home Loan Tax Benefit & House Property Income (2026-27)30% flat deduction on rent, ₹2L home-loan interest (old regime), self-occupied vs let-out rules…
Presumptive Taxation 44AD/44ADA → Sections 58/59 (2026)44AD is now Section 58 (8%/6% of turnover, ₹2-3 crore limit); 44ADA is Section 59 (50%, ₹50-75L…
Capital Gains Tax on Shares & Property: Rates + Examples2026-27 capital gains rates: equity LTCG 12.5% above ₹1.25L, STCG 20%, property 12.5% without i…
Crypto Tax India (30% + 1% TDS) & Other Sources IncomeCrypto: flat 30% on profits + 1% TDS, no loss set-off. Plus FD/savings interest tax, the ₹50,00…
Mutual Fund Taxation FY 2026-27: LTCG, STCG, SIP RulesEquity MF: 20% STCG, 12.5% LTCG above ₹1.25L. Debt funds: slab rate always. SIP FIFO, ELSS lock…
F&O & Intraday Taxation: ITR-3, Audit Limit, Loss Set-OffF&O = business income, ITR-3 compulsory. Audit only above ₹10cr turnover. F&O losses: 8-yr carr…
ESOP & RSU Taxation India: Perquisite + Capital GainsESOPs taxed twice: perquisite at exercise (slab + employer TDS) and capital gains at sale. RSU …
Capital Loss Set-Off + 8-Year Carry-Forward Rules | TaxSetuWhich losses set off which gains, the 8-year carry-forward, the 31 July tripwire and December t…
Second House Tax 2026: Two Self-Occupied Nil, No Deemed Rent | TaxSetuFinance Act 2025 ended deemed rent: claim two self-occupied houses nil. Before-after math, cond…
Savings & Compliance
80C Is Now Section 123: All Deductions & Limits (2026-27)80C→123 (₹1.5L), 80D→124, 80E→125, 80TTA/80TTB→153(2): the complete deductions list with new se…
How to Save Income Tax in 2026-27: 10 Legal Ways₹1.5L under 123 (80C), ₹25-75k under 124 (80D), ₹50k NPS extra, HRA, home loan, 80E, donations …
TDS Rate Chart FY 2026-27: Sections 392/393/394 Full ListAll TDS rates for 2026-27 in one chart: salary (392, old 192), interest, rent 2%, contractors, …
Income Tax Return Last Date 2026-27: Fees & DeadlinesITR last date for Tax Year 2026-27: 31 July 2027 (salaried), 31 Oct (audit), 31 Dec (belated/re…
Income Tax Refund: Status Check, Timeline & Delay FixesHow to check income tax refund status, why it takes 2-4 weeks after e-verification, the 6 real …
Form 16 Explained: Parts A & B and the 'Tax Year' ChangeWhat is Form 16? Part A vs Part B explained line by line, why it now shows 'Tax Year 2026-27', …
Which ITR Form? ITR-1 vs 2 vs 3 vs 4 (AY 2026-27)Salary only → ITR-1. Capital gains/crypto → ITR-2. F&O/business → ITR-3. Presumptive → ITR-4. D…
AIS vs TIS vs Form 26AS: Difference + Mismatch Fix26AS = TDS credit. AIS = full dossier. TIS = pre-fill summary. Where to download, how to give f…
TDS on Rent FY 2026-27: 194-I vs 194-IB (2%), 26QCIndividual tenants: 2% TDS above ₹50,000/month (194-IB, cut from 5%) via Form 26QC, no TAN. Com…
Missed ITR? Belated, Revised & ITR-U Fees + DatesFile belated by 31-Dec-2026 (₹1k/₹5k fee), revise by 31-Mar-2027 (Budget 2026 extension), or IT…
NPS Tax Benefits: 14% Employer Rule in New RegimeNew regime: only employer NPS deductible — 14% of Basic+DA (Sec 125). Old regime adds ₹1.5L + ₹…
Where to File ITR Online 2026: Portal vs ClearTax vs Tax2Win (Honest)Unbiased ITR filing comparison: incometax.gov.in (free) vs ClearTax, Tax2Win, Quicko, TaxBuddy …
ITR Documents Checklist: Papers You Need to File | TaxSetuInteractive ITR checklist: Form 16 from every employer, AIS/26AS, FD certs, rent + PAN, 80C/80D…
Fake HRA/Donation Crackdown: 200% Penalty + How CBDT Catches YouCBDT cross-checks rent with landlord ITR + bank trail + AI; 80G matched with NGO filings (Gujar…
How to E-Verify ITR: 30-Day Rule + 6 Methods | TaxSetuE-verify your ITR within 30 days: Aadhaar OTP steps, all 6 methods ranked, missed-deadline cond…
Deductions & Forms
Section 89(1) Relief on Arrears: Formula X−Y + Form 10E (Before ITR)Arrears pushed you into a higher slab? Relief = extra tax now minus extra tax if paid on time. …
7 Salaried Forms: 12BB, 10E, 10BA, 10-IEA, 15G/15H Deadlines12BB to employer yearly, 10E before ITR for arrears, 10BA for 80GG, 10-IEA by ITR date for busi…
ITR Mistakes? Rectification, Appeal & Condonation | TaxSetuForgot income: revise by 31 Mar. Wrong math: 154 rectification (4 yrs). Legal dispute: appeal i…
Form 16 vs 16A vs 16B vs 16C vs 27D: TDS Certificates Compared16 = salary by 15 Jun. 16A = quarterly non-salary. 16B = property, 16C = rent, 16D = 194M, 27D …
TDS Compliance for Deductors: TAN, 24Q/26Q/27Q, 234E, 197 + 194TTAN via 49B, deposit by 7th, quarterly 24Q/26Q/27Q, ₹200/day late fee, 20% without PAN, 197 low…
TCS on Foreign Travel & LRS 2026-27: 2% vs 20% Rates + ITR CreditTour packages flat 2%, education/medical LRS 2%, other LRS 20% above ₹10L. TCS is not extra tax…
EPF, PPF, VPF Tax Rules: 5-Year Rule, 10% TDS, ₹2.5L Interest CapEPF after 5 years is tax-free; early withdrawal above ₹50k faces 10% TDS. Interest above ₹2.5L/…
Section 80E: Education Loan Interest — No Cap, 8 Years (Old Regime)Full education-loan interest deductible with no upper limit for 8 years — self, spouse, kids or…
Section 80G: 100%/50% Donation List, ₹2,000 Cash Rule + 10BE ARNNational funds 100% no-limit; most NGOs 50% within 10% of income. Cash above ₹2,000 kills the d…
80DDB, 80U, 80DD: Medical & Disability Deductions (₹1L/₹1.25L)80DDB: treatment ₹40k (₹1L for 60+). 80U own disability ₹75k/₹1.25L flat. 80DD dependent same. …
7 80C Mistakes That Kill Your ₹1.5L Deduction (FD, NSC, ULIP, PPF)Broken 5-yr FD reverses 80C. NSC last year taxable. Coaching never 80C. ULIP above ₹2.5L/yr tax…
Section 80D Limits 2026: ₹25,000/₹50,000 + Parents + Checkup | TaxSetu80D deduction limits for self, parents & senior citizens, ₹5,000 checkup rule, cash-payment tra…
PPF vs ELSS vs NPS vs SSY: Honest Comparison | TaxSetuSide-by-side 80C comparison: lock-in periods, returns, exit tax, liquidity and yearly limits — …
Old Regime Deductions: All 13 + Breakeven Math | TaxSetuEvery old-regime deduction stacked with limits — 80C, HRA, 80D, home loan, 80E, 80G — plus the …
Special Situations
NRI Taxation in India: Residential Status & DTAA (2026)Who is an NRI? 182/60/120-day rules, the RNOR window, NRE vs NRO taxation, DTAA relief with TRC…
Advance Tax Due Dates 2026-27: Calculation + ExamplesAdvance tax 2026-27: the ₹10,000 rule, 15%/45%/75%/100% instalments (Jun/Sep/Dec/Mar), the one-…
Senior Citizen Tax Benefits FY 2026-27: 80TTB + More60+: ₹3L exemption (80+: ₹5L) in old regime, ₹50k 80TTB interest shield, no advance tax, ₹1L SC…
Income Tax Notice? 139(9), Scrutiny & Reply Steps139(9) defective (15 days), 143(1) intimation, scrutiny, AIS mismatch, demand 156 — what each n…
Advance Tax Calculator: Quarterly Schedule + 234B/C Interest (2026-27)Enter estimated yearly tax minus expected TDS → get Jun/Sep/Dec/Mar instalments (15/45/75/100%)…
NRI & Special
DTAA + 15CA/15CB + 10F & 67: Lower TDS & No Double Tax (NRI)Claim treaty rates with TRC + e-filed 10F. Remittance above ₹5L needs 15CB. Form 67 by ITR date…
Buying Property: 194-IA 1% TDS, 26QB in 30 Days, 50C, NRI Seller 20%Above ₹50L deduct 1% on higher of price/stamp value, no TAN, 26QB within 30 days, 16B to seller…
First Job Tax Guide: ₹8L CTC = ₹0 Tax, 12BB, EPF, First ITR-1₹8 LPA CTC means ~₹6.6L taxable and zero tax in the new regime. CTC decode, 12BB in month one, …
Freelancer Tax India: 44ADA 50%, 194J TDS, FIRC+LUT, GST, YouTubers44ADA: 50% of receipts to ₹50L (₹75L digital), ITR-4, no books. 194J 10%/2% above ₹50k. Foreign…
Stipend vs Scholarship: What Is Taxable in India | TaxSetuScholarships fully exempt under 10(16). Stipends and intern pay taxable — salary or other sourc…
HUF Taxation: Own PAN, Slabs, 80C + 64(2) Clubbing & Partition RulesHUF is a separate tax person with own PAN, slabs and ₹1.5L 80C. Member gifts get clubbed under …
Gift Tax + Clubbing: ₹50k Rule, Relatives Exempt, Minor ₹1,500 ShieldNon-relative gifts above ₹50k fully taxable; relatives, wedding, inheritance exempt. Spouse/min…
Agriculture Income Tax: Exempt + Aggregation, Rural Land Zero Tax, 54BFarm income exempt under 10(1) but aggregation can raise your slab. Rural agri land sale is not…
Freelancer ₹25L Tax Story: 44ADA Wins by ₹1.17L + Refund Quirk₹25L receipts, ₹6L expenses: 44ADA taxes ₹12.5L (₹70,200) vs books ₹19L (₹1,87,200). 10% TDS cr…
Tools & Help
Old Section to New Section Mapper: 80C→123, 139→263Enter any old section (80C, 139, 192…) or new one (123, 263, 392…) — instantly get its counterp…
Income Tax Glossary: Every Term in Plain English (2026)Tax Year, TDS, rebate vs deduction, surcharge, cess, VDA, AIS, RNOR, DTAA, Form 168 — every Ind…
Income Tax Act 2025 FAQs: 20 Questions Everyone AsksIncome Tax Act 2025 FAQs: Tax Year, slabs, 87A rebate, regime choice, TDS — 50+ questions answe…
Income Tax Community: Ask Questions & Discuss (Free)Free income tax community: ask about slabs, regimes, HRA, capital gains, crypto tax or ITR fili…
New Section Numbers
Tax Calendar 2026-27: ITR, Advance Tax, TDS, 80C — Every Due DateFull 12-month tax calendar: 15G/15H April, Form 16 June, ITR 31 July, advance tax quarterly, be…
Section 123 (New 80C): ₹1.5L Deduction Under Income Tax Act 2025Old 80C is now Section 123: same ₹1.5L EPF/PPF/ELSS menu, old regime only. 80CCD(1) → 124, 80CC…
Section 156 (New 87A): ₹12L Rebate + Marginal Relief, Income Tax 2025Old 87A is now Section 156: ₹60,000 rebate makes ₹12L tax-free (₹12.75L salary), plus marginal …
Section 202 (New 115BAC): New Regime Default + 10-IEA Switch RulesOld 115BAC is now Section 202. Salaried switch yearly in the ITR; business income needs Form 10…
Section 263 (New 139): ITR Deadlines — 31 July, 31 Oct, Revise, ITR-UOld 139 family is now Section 263: 31 July non-audit, 31 Oct audit, 15-day defective fix, 31 De…
Sections 392 & 393 (New TDS/TCS): 194-IA→1007, 192A→392(7), 394All 192–194 TDS merged into Sec 392; 194-IB at 393 Sl.2, 194-IA at code 1007, EPF TDS at 392(7)…
Section 428 (New 234F): ₹5,000 Late ITR Fee (₹1,000 Under ₹5L)Old 234F is now Section 428: ₹5,000 late fee (₹1,000 if income ≤ ₹5L), zero if filed by 31 July…
हिंदी में
Income Tax Slab 2026-27 in Hindi: नई स्लैब, ₹12L छूट, कैलकुलेशनहिंदी में टैक्स स्लैब: नए रिजीम में ₹12L तक शून्य (सेलरी ₹12.75L), पुराने में ₹2.5L छूट। दोनों …
New vs Old Regime in Hindi: कौन-सा बेहतर? तुलना + ₹18L उदाहरणहिंदी में रिजीम तुलना: ₹4L से कम डिडक्शन तो नया, बड़ा HRA+80C तो पुराना। टेबल, उदाहरण और डिफ़ॉल…
₹12 Lakh Tax Free in Hindi: रिबेट, मार्जिनल राहत, ITR नियमहिंदी में ₹12L छूट: ₹60,000 रिबेट से शून्य टैक्स, सेलरी पर ₹12.75L, मार्जिनल राहत, शेयर मुनाफ़े…
ITR Kaise Bhare in Hindi: फॉर्म, 31 जुलाई डेडलाइन, e-Verify गाइडहिंदी में ITR: ITR-1/2/3/4 चुनें, 31 जुलाई डेडलाइन (belated 31 दिसंबर), 30 दिन में e-verify, Fo…
TDS Kya Hai in Hindi: दरें, ₹50k FD लिमिट, रिफ़ंड, 15G/15HTDS क्या है और कैसे कटता है? Salary, rent, FD, professional fees की दरें, 26AS मिलान, 15G/15H —…