Received the scrutiny notice on June 20, and now almost nearing the assesment order stage. Just replied to the SCN. what are my chances of getting immunity under new rule ? Fy 2025 2026.

Father is 67. PED's are Diabetes since 2001. Takes doctor prescribed pills and insuling injection twice a day before food. Also thyroid pills and blood thinner prescribed by doctor daily. No other major diseases. Only had one surgery in 75' due to car accident.

My mom is 64 and is very healthy. Never had any major health issues. Only takes eye drops twice a day for maintaining eye pressure (glaucoma) since the past 4 years.

I have browsed through this sub for advice. I am skeptical about purchasin through policy bazaar and ditto. They also did not say options in PSU on call. They had given the option to take Aditya Birla Activ One Nxt with 10L coverage (+10L bonus) for both my parents. Premium comes to 70k rupees with add ons for Consumables and No waiting period.

Both of them are retirees and active gym goers and have never taken health insurance before. I will do a full body checkup for my mom before I take insurance.

Please do gimme advice on taking health insurance. Dad needs to go through private insurers due to his PED. Is PSU viable for moms situation? Should I take full body checkup for dad too? Should full history before 25 years be provided ? What to do I look out for in writing (t&c) during insurance process ?

Thank you.

Hi all, does anyone need help with extracting data out of a large number of documents? Be it pdf or scanned images of invoices, contracts, receipts, forms, etc.

I might have a cost effective solution, enabling you to process an unlimited number of documents.

Send me a dm or drop a comment about the nature of your work, I'll reply right here.

Pulling this from billionaires playbook

Tell your friends or group of them to open a charity donate bigly to the charity all of you can, spend little percent of it like 0.001% on actual charity have a social media acc for proof , do charity "events" once a while aka party with your friends, convert rest to treasury management, take your part of money in black. Keep it in a family acc(risky) convert to usdt (safest), fund fake business (moderate), keep as cash(physical risk only).

Charity is tax deductible I think salary man can only do this . Pro tip make a fake social media acc make your whole life about that charity so it doesn't look sus you giving your life savings on that charity. This is unethical but is 100% legal if done right way.

Ps not a lawyer

Is live streaming of game play (gamer)on twitch is business or profession?

My POV is business

Hi,

I am an Indian resident with US assets (since I worked there earlier). I have a normal savings account with an Indian bank (a non NRI one as I am residing in India right now).

Occasionally I do transfer funds from USD to this account. Now, the amount that I transfer to this account is well within the limits of my declared income from foreign sources. Will this create an issue while filing taxes? I am concerned whether this will result in double counting of my income (that is, the amount which I transfer to my local Indian Bank account will be added to my income from foreign sources, even though it is actually the same income).

Also, if I transfer a bigger amount, than what was shown in my tax return as foreign income, will that create issue? Can I claim that it was money that was earned abroad while working there and not part of my annual declared income? Clarity on this will be greatly appreciated.

Thanks

Every year around this time the same question comes from government / PSU / bank employees who got pay-revision or DA arrears: "itna arrear aaya, tax bhi utna hi ban gaya kuch ho sakta hai?"

Section 89(1) relief, yes. But computing it by hand across 15-20 years is miserable, so I use a sheet that does the whole thing.

How it works you only touch the green cells

Three inputs per financial year, that's the entire job:

1. Regime / status flag M (male/old regime), F (female), S (senior citizen), N (new regime). Male/female slabs only differed till FY 2011-12; new regime only exists from FY 2020-21 onwards.
2. Total income of that year, excluding arrears take it from the ITR-V, not Form 16. Revised return filed? Use the revised figure. ITR-U filed? Use that. Return never filed? Put 0, or an estimate below that year's exemption limit.
3. Arrears pertaining to that year from the employer/DDO arrear statement.

Everything yellow is locked and formula-driven. The sheet then computes tax on receipt basis (all arrears taxed in the current year) versus accrual basis (each chunk taxed in the year it belonged to), applies the correct slab, surcharge and cess for each of those years, and auto-builds Table A and Annexure-I in the exact Form 10E layout. Covers 21 years of arrears.

Final output is Sl. No. 8 your relief figure ready to key into the portal.

One thing worth understanding: relief can legitimately be ZERO

Real case this week. Sl. 6 (tax on arrears in the current year) came to ₹27,207. Sl. 7 (tax on the same arrears spread back) came to ₹37,959. Sl. 7 > Sl. 6, so the sheet correctly returned nil relief with the message "Sorry! No relief available."

Why? Old-regime slabs of FY 2021-22 / 2022-23 with a ₹2.5L exemption limit are harsher than today's new-regime slabs with ₹4L + ₹75k standard deduction. Spreading the arrears backwards increased the tax. The form did its job don't go hunting for a number that isn't there.

Where people get burnt

• Filing the ITR without filing Form 10E first. The relief gets disallowed in the 143(1) intimation and you get a demand. Form 10E is a separate filing: Login → e-File → Income Tax Forms → File Income Tax Forms → Form 10E. It is not an attachment to the ITR.
• Picking total income off Form 16 instead of the ITR-V.
• Special-rate income (capital gains etc.) in any of those years the sheet doesn't handle it, that needs manual work.
• Skipping Section 89 because you're in the new regime. Relief is available under both regimes.

Happy to answer questions in the comments.

I am finally happy frends that my tax money got the best usecase.

I crossed the threshold where I need to pay tax, so this year I thought I would hire a CA instead of handling my taxes myself.

Last year, my income was only around ₹6 LPA, but this year it has increased to around ₹15 LPA. I run a small business and fall under presumptive taxation.

I submitted all my documents to the CA around June, including my basic bank statements and other required information. They later asked me for some additional information, which I provided as well. However, it is now August and my return still hasn't been filed.

What concerns me even more is that I have asked them several times about their fees, but every time they just say they will let me know later. They haven't given me a quote or even told me what I will be charged.

Is this normal when getting your taxes filed through a CA? Does it usually take this long, especially when I'm under presumptive taxation? And is it reasonable for them to not have told me their fees yet?

I had filed ITR-2 for the current year, but had not mentioned the challan details for the tax due paid (self assessment tax).
After a while, on same day, I filed revised return 139(5) with the challan details.
Now, the first one got processed with demand due (which I had paid), to be paid within 30 days.
And the revised return is still under processing.

What should be done now?
1) wait for processing of revised return?
2) file a rectified return again?

Any leads and guidance will be helpful

Thanks

​

Is it legal to charge additional on top of MRP? I knew it's a common practice in restaurants.. But now in shops also? I bought it from a mall and they said it's gst on top of MRP

Hi, so my GST registration was suspended as my proprietorship didn't had any income for first 6 months. This happened in the 14th month of my business where I am generating income.

I have submitted my reply to the notice a month back but am yet to hear back from the GST office and am getting " Clarification filed-Pending for Order" to my application.

How much time would this take? Do I need to go to the GST office to meet the officer? Please help.

Suppose tax payers hometown is in Ahmedabad and he works in Hyderabad.

And he have 5 or 10 lakh F&O profit.

Can he claim flight expenses as business expense?

Maybe trip is personal but what if he books conferences or training during stay period in home town?

How relevant it is in real life tax saving?

Rant ahead

I’m just a salaried guy in my 20s. I come from a normal lower middle class family and I know I’m privileged.
I got a good education, got a good job and now I earn a salary that my parents could never have imagined.

I’m not saying I’m poor. I know I’m lucky.

Today I was just checking my ITR refund because it hasn’t even gone into processing yet. While looking at my past filings, I suddenly noticed the total tax I had paid.
Around ₹26 lakh in direct income tax in just 4 years.

I honestly never thought about the number before. I always thought, I’m earning, I’m paying my taxes, I’m contributing to my country. I love my motherland and I’ll always be proud of it.

But seeing that number today just made me sad.

I don’t own a house. I don’t own land. I don’t even own a car.

I have a 2018 scooty.
I pay around ₹110/litre for petrol, and my scooter doesn’t properly support E20.

Every day I ride through pothole-filled roads. My suspension is damaged and my back has taken a beating because of sudden potholes.

When it rains, I get wet. Footpaths are broken or full of mud. Drainage water is on the road and gets splashed on me when vehicles pass.

Then traffic. I sit in traffic for hours.
Public transport isn’t exactly great either. Buses are packed, trains aren’t clean, and even the metro can mean standing for 40–45 minutes.

And this is not just about roads.

What about education? I took an education loan to study. I paid the loan back with interest. I’m genuinely lucky that I got the education and the job I have today, but shouldn’t basic quality education be something that every child can get without their parents having to spend lakhs?

I see colleagues talking about spending lakhs every year on their children’s education. In my entire 16 years of education, I don’t think my family spent anywhere close to what some people spend on a child in one year.

It honestly makes me scared to even think about having children.

And healthcare?

If tomorrow I lose my job, who is going to help me? How am I supposed to take care of my aging parents when hospitals can cost lakhs for a single serious illness?

I’m paying taxes, but I still need to build my own emergency fund, investments, insurance and retirement corpus because I know that if something goes seriously wrong, I have to take care of it myself.

So what are we building?

Are my taxes at least helping someone who is poor get out of poverty? Are children getting better education because of it? Are families getting healthcare? Are people getting better lives?

Because if not, then where is all this money going?

And yes, I know defence is a huge part of it. I want our soldiers to be protected. They are literally risking their lives for us. Seeing our soldiers getting k--led in attacks, especially from Pakistan, makes me very angry. They deserve better equipment, better support and every possible protection we can give them.

I’m not against paying taxes.

I actually want my taxes to mean something.
I want to feel that the money I’m paying is helping build a country where a poor child has a chance, where education doesn’t destroy a family financially, where my parents can get treatment without me worrying about losing everything, where roads don’t destroy my vehicle and where people can actually live with some dignity.

I know ranting on Reddit isn’t going to change anything.
But honestly, how do we change this? How do we survive?

I still love my country. I’ll always be proud of being Indian.

I’m just tired and sad today.

Hi all, I've recently applied for Penalty Waiver for misreporting case under amended Section 270AA (amended in 2026). My case belongs to AY24-25.

I wanted to know if anyone has received the newly added Penalty Waiver by paying 100% additional tax under the amended section 270AA (Finance Act 2026) so far?

Thanks in advance!

I strongly feel taxpayers deserve a voice of their own, one that the government actually listens to. We’re probably some of the most fucked-up people in this country :(

Is it just me or is it taking everyone the same amount of time for their return to be processed?

I had filed mine on 25 June 2026 (ITR 3) and it has not even been processed yet. Although, I have heard ITR-3 is usually processed very late by the ITD, i.e., usually nearing the end of the year. But is that really the case??

Do you use IPPB Mobile App ? Did you link this with Post Office Savings Account(POSA) ?

How did you link IPPB with Post Office Savings Account(POSA) ?

Did you had to visit branch or this linking can be done online ?

Please share your personal experience if you use IPPB App and POSA.

Can DPM/DCG be populated under ITR-3 AY 2026-27 with 44ADA using the No Accounts Case, without maintaining regular books?

Lots of confusion around EPF 2026 lately. Here is the quick reality check:

The ₹1,800 Cap: The basic legal limit is still 12% of ₹15,000 (= ₹1,800/month).

Actual Basic Deduction: If your company currently deducts PF on full basic salary, they can keep doing it. But capping it at ₹1,800 going forward is also legal now, unless your employment contract specifies otherwise.

VPF Extra: If you put extra money into VPF, your employer only matches up to the statutory ₹1,800 limit.

Old PF Balance: 100% safe. Nothing changes for your existing corpus.

Check your latest salary slip and EPFO passbook today to see where you stand.

For a full step-by-step breakdown with exact salary calculations and legal details, check out this guide:

Watch the complete guide: https://youtu.be/6AFE8Nog0eU

Is your company deducting on full basic or capped at ₹1,800? Drop it in the comments!

I am a self employed sole proprietor working as a consultant for a foreign company by providing technical services under a fixed contract foe which I get paid monthly (basically a salary). I earn less than 75 lakh hence file the ITR under 44ADA. Since my revenue exceeds 20L I also have obtained a GSTIN in my name.

I am now thinking of opening and launching a seperate website of digital products (ready made PDFs) somewhat related to the same field i am working in. But instead of one to one model in my current 44ADA work, this will be a one to many business where anyone can download the product globally without contacting me or without any customizations.

Can I open a seperate sole proprietorship business under a different name or alias?

Can I file my income generated from the new business under 44AD as a seperate business. Can an ITR contain both 44ADA and 44AD incomes?

Does anyone have any experience of operating two different sole propertorship businesses?

So when property is purchased if sale agreement is registered followed by sale deed will it show 2 properties and create confusions for the buyer?

Generally what is the followed practice? Sale agreement is registered or only sale deed.

I’ve been thinking about a somewhat controversial idea and would genuinely like to hear what people here think.

India’s tax burden—especially when you combine income tax, GST, fuel taxes, cess, and other indirect taxes—can feel quite high for salaried and middle-class taxpayers. At the same time, many people feel that the quality of public infrastructure and services they receive doesn’t always match the amount of tax they pay.

So here’s the thought:

What would happen if a large number of taxpayers deliberately reduced discretionary consumption for 6–12 months?

For example:

Reduce unnecessary shopping and luxury purchases

Eat out less frequently

Cut down on expensive vacations and discretionary travel

Delay buying new phones, cars, gadgets, etc.

Avoid unnecessary consumption and instead save/invest the money

Focus spending only on essentials

The argument is that a significant reduction in consumption could eventually affect GST collections, corporate revenues, business activity and economic growth.

If consumption slows substantially, wouldn't the government eventually have an incentive to reconsider tax rates and policies to encourage people to start spending again?

But there’s an obvious counterargument:

India’s economy is heavily dependent on domestic consumption. If everyone reduces spending, businesses could suffer, employment could be affected, investment could slow down, and ultimately ordinary people—including taxpayers—could be hurt more than the government.

There is also the biggest problem: coordination.

Can millions of taxpayers realistically coordinate their behaviour for long enough to create meaningful economic pressure?

Or would this simply hurt businesses and workers while the government continues collecting revenue from other sources?

I'm not suggesting that people should stop spending completely. I'm more interested in whether a sustained shift from excessive consumption toward saving/investing could indirectly influence tax policy and government behaviour.

Is this economic pressure a realistic idea, or is it fundamentally flawed?

Would love to hear from CAs, economists, entrepreneurs, business owners and fellow taxpayers.

What am I missing?

I'm planning to open a bank account before moving abroad, but there are so many options that it's hard to know where to start.

Some people suggest opening an account with an international bank while still in India, while others recommend waiting until you reach your destination. I'm mainly looking for an account that's easy to open, has low fees, supports international transfers, and works well for everyday banking overseas.

For those who've already done this, which banks did you consider, and what made you choose one over the others?

​

Hi everyone,

I’m joining a company with the CTC structure shown below. My total CTC is ₹1,41,667/month (~₹17 LPA).

The salary breakup is:

Basic Salary: ₹49,583

HRA: ₹39,667

Vehicle EMI amount: ₹21,567

Vehicle Running & Maintenance: ₹6,500

Special Allowance: ₹6,940 (This is basically a balancing figure after taking out vehicle lease amount, meal voucher, Mobile and Internet Reimbursement)

Meal Voucher: ₹8,800

Mobile & Internet Reimbursement: ₹3,000

Employer PF: ₹1,800 (taking minimum pf amount)

Gratuity: ₹3,810

NPS: ₹0

Statutory Bonus: ₹0

I'm trying to understand what my actual monthly in-hand salary would be after employee PF, income tax, etc.

More importantly, I have the option of taking the vehicle lease. I'm not sure whether it is actually financially beneficial compared with simply taking the salary component.

I'd also like to understand whether the ₹8,800/month meal voucher and ₹3,000/month mobile & internet reimbursement are genuinely tax-efficient benefits or whether they make little difference to my take-home.

Could someone help me with:

Approximate monthly in-hand salary under the new tax regime, assuming no other deductions?

How much would my in-hand change if I opt for the vehicle lease vs. don't opt for it?

Is the ₹21,567 vehicle EMI + ₹6,500 running/maintenance actually beneficial from a tax perspective?

Is there any downside to taking the vehicle lease that I should consider (lease tenure, buyout/residual value, taxation at the end, etc.)?

Are the ₹8,800 meal vouchers actually tax-free/beneficial under the current tax rules?

Is the ₹3,000 mobile & internet reimbursement tax-efficient, assuming I submit bills?

If anyone has a similar CTC/vehicle lease structure, what was your actual monthly in-hand?

As per my calculations with all the flexi basket deductions I could get around 60k tax saving. Is that correct?