Guides

What is GST? A Simple Guide for India
Understand GST in India: how CGST, SGST and IGST work, who must register, input tax credit, and worked calculation examples.
GST Slabs in India
The current GST rate structure in India after the September 2025 rationalisation: 5%, 18% and 40% slabs, exempt items and how to find your rate.
How EMI is Calculated
The EMI formula explained step by step with a worked home-loan example, and why early EMIs are mostly interest.
Post Office Small Savings Schemes: Rates & How They Work
Current interest rates for PPF, NSC, KVP, SCSS, MIS, RD and time deposits for October–December 2026, with how each scheme pays and is taxed.
EPF, EPS, VPF and NPS: How Your Retirement Savings Work
How your 12% PF contribution and your employer's 12% are split between EPF and EPS, how EPF interest is credited, what VPF adds and how NPS differs.
Capital Gains Tax on Shares & Equity Funds (FY 2026-27)
STCG at 20% and LTCG at 12.5% above ₹1.25 lakh on listed shares and equity mutual funds for FY 2026-27, with holding periods and worked examples.
Payroll Deductions & Statutory Payments in India
Statutory payroll items in India in plain English: PF, ESI, professional tax, TDS, statutory bonus, overtime and pro-rata pay, with current figures.
How to Calculate Percentages
The three percentage formulas you need — X% of Y, X as a percentage of Y, and percentage change — with worked examples for salary hikes and discounts.
Date & Time Calculations Explained
How exact age, day counts, notice periods and timesheet hours are calculated — including leap years, month ends, inclusive counting and night shifts.
Simple vs Compound Interest — and Why Inflation Matters
The difference between simple and compound interest, why compounding frequency matters, and how inflation reduces the real value of your returns.
Home Loan Planning: Eligibility, Prepayment and Yield
How banks decide how much you can borrow (FOIR), when part-prepayment saves the most interest, and how to judge a property's rental yield.