Insights
Field notes on tax, retirement and the regulations that move a salaried Indian's money. Plain-English writing from the team that reads every CBDT, EPFO, RBI and SEBI change so you do not have to.
From this financial year the new tax regime applies unless you opt out. We run the arithmetic across the salary bands, and show exactly where enough deductions still leave you richer under the old one.
The declared EPF rate is one line on a circular. Compounded across a thirty-year career, a few basis points quietly reshape the corpus you actually retire on - here is the long arithmetic.
Your EMI is tied to an external benchmark you never chose. We trace how a repo-rate move travels from Mint Street to your monthly statement, and when it pays to reset the tenure instead of the amount.
Every rule that touches your money begins as dense legal text. We break down the anatomy of a notification so you can tell a real headline change from a harmless footnote in under a minute.
New rules on nominees, deposit insurance and dormant accounts rarely make the front page. Here is the quarter's banking fine print, and the two things worth actioning before they lapse.
When the four labour codes take effect, the definition of wages changes - and with it your PF, your gratuity and your in-hand pay. We model the shift on a typical private-sector CTC.
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See it on your money
Reading about the rules is only the start. Niyam turns them into a personalised report on what changed for your money, and the next step worth taking.