Personal Finance
Can I pay rent to my parents and claim HRA exemption legally?
17 May 2026·7 min read
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एक करोड़ रुपया · रुपया एक करोड़
रुपया एक करोड़ · एक करोड़ रुपया
एक करोड़ रुपया · रुपया एक करोड़
रुपया एक करोड़ · एक करोड़ रुपया
एक करोड़ रुपया · रुपया एक करोड़
रुपया एक करोड़ · एक करोड़ रुपया
एक करोड़ रुपया · रुपया एक करोड़
रुपया एक करोड़ · एक करोड़ रुपया
एक करोड़ रुपया · रुपया एक करोड़
रुपया एक करोड़ · एक करोड़ रुपया
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The first crore is the hardest. Start here.
Tax, investing, salary, insurance and credit — in plain English, for young Indians who earn well but haven't had time to figure out where it all goes.
◆ FeaturedThis WeekTopical
India Finance News: 4–10 May 2026
EPFO 3.0 lets you withdraw PF via UPI by end of May. ITR filing is open with a key change to ITR-1. The rupee hit ₹95.43 — what it means for your fuel bill and investments. Plus: SEBI regulates Nifty, 93% of F&O traders lose money.
10 May 2026 · 8 min readRead →
Recent articles
All articles →Insurance
Why your employer's group health insurance is not enough: what it doesn't cover and what to buy instead
Your employer's group health cover has five critical gaps — no portability when you leave, room rent sub-limits that cut all your claims, and sum insured too low for a major illness. Here's what they are and what to buy alongside it.
16 May 2026·7 min read
Tax
Section 87A Rebate: Zero Tax up to ₹12 Lakh in the New Regime
Section 87A gives you a 100% rebate on income tax if your taxable income is ₹12 lakh or less under the new regime. Here is exactly how it works, including marginal relief.
16 May 2026·7 min read
Credit Cards
How is CIBIL score calculated and how to improve it from 650 to 750+ in 6 months?
Your CIBIL score is calculated from payment history (35%), credit utilization (30%), credit length (15%), credit mix (10%), and new inquiries (10%). Here's exactly how to move from 650 to 750+ in 6–12 months.
16 May 2026·6 min read
Personal Finance
How HRA is calculated — the three-part formula and when HRA is fully taxable
HRA exemption is the minimum of three amounts — not whichever is largest. Understanding this formula tells you exactly how much of your HRA is tax-free and how much is not.
16 May 2026·8 min read
Tax
New Tax Regime for Salaried Employees: What You Actually Pay
For most salaried employees in India, the new tax regime results in lower or zero tax in FY 2025-26. Here is exactly what you pay at every income level and how to switch.
15 May 2026·8 min read
Tax
Standard Deduction in New Tax Regime: ₹75,000 for Salaried Employees
The ₹75,000 standard deduction is now available under the new tax regime too. Here is exactly how it works, who qualifies, and how it affects your take-home.
15 May 2026·6 min read
Investing
Index funds vs actively managed funds in India: which gives better returns over 10 years?
Over 10 years, 60-70% of large-cap active mutual funds in India underperform their benchmark index. The math behind why — and what it means for how you invest.
15 May 2026·7 min read
Personal Finance
Why your basic salary percentage affects your EPF, HRA, and gratuity more than the number itself
A higher basic looks better on paper, but it means more EPF deduction, more gratuity obligation, and a bigger HRA calculation base. Here is the complete trade-off.
15 May 2026·8 min read
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Calculators
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