How to Declare Freelance Income Alongside Your Salary in ITR: A Salaried Indian’s Guide
Your client deducted TDS and you didn’t even notice. Here’s the ITR form, the tax math, and the law everyone’s getting wrong this filing season.
-
-
Form 124 Explained: The New Investment Declaration That Replaced Form 12BB
Your employer just replaced Form 12BB with Form 124 — and if you don’t submit it, they’ll deduct TDS as if you have zero savings. Here’s exactly what changed and what to do now.
-
New Wage Code 2026: How the 50% Basic Salary Rule Changes Your Take-Home Pay
Your salary didn’t change. Your take-home did. The new wage code 2026 forces basic salary to 50% of CTC — and it quietly changes your PF, gratuity, and tax in ways your HR won’t explain upfront.
-
Form 121 Explained: The New Form That Replaced 15G and 15H from April 2026
Form 15G and 15H are dead from April 2026. If you submit them, TDS will still be deducted. Here’s exactly what Form 121 is, who qualifies, and what to do before your bank cuts the tax.
-
How to Start Investing When Your Salary Is Under ₹5 Lakh a Year
Most investment advice is quietly written for people earning ₹10 lakh+. This one isn’t. Here’s exactly how to start investing on ₹5 lakh or under — with real numbers and no filler.
-
How to Plan for Your Parents’ Medical Bills: Insurance, Corpus, and What No One Tells You
Health insurance for a 65-year-old costs ₹70,000 a year — before medicines, physio, and caregiver bills. Here’s the insurance, tax, and corpus plan you actually need.
-
Financial Checklist When You Change Jobs: What to Do with Your PF, Insurance, and Investments
Changing jobs without a financial plan is the most expensive mistake salaried Indians make. Here’s the exact checklist — PF, insurance, NPS, and investments — sorted by how urgent they are.
-
Passive Income for Salaried Indians: What Actually Works (and What Doesn’t)
Most “passive income” advice is either a lie or a job. Here’s what actually works for a salaried Indian — with real ₹ numbers and no Instagram illusions.
-
Fixed Deposit vs Debt Mutual Fund: Which Is Actually Better for Safe Money in 2026?
FD rates have fallen. Debt funds are now taxed like FDs. So what’s the smarter move for your safe money in 2026? The honest answer — with real rupee numbers.
-
REITs in India 2026: How to Earn Rental Income Without Buying Property
You don’t need ₹5 crore to earn rental income from premium office parks in Bengaluru. You need a demat account and ₹460. Here’s exactly how REITs work in 2026 — including the tax part most articles skip.
