Niyam

The product

A feed of what changed, and a report you can hold.

Two halves of one product: the personalised regulation feed, and the grounded advisory report behind it.

Niyam watches CBDT, EPFO, RBI, SEBI and the Gazette, surfaces only the changes that reach your money, and turns them into a report you can download - every figure computed from your own numbers and cited to its source.

Get startedBook a demo

Fee-only. Grounded in sources. Your data stays yours.

A laptop showing financial analytics on a planner's desk

What changed for you

3 updates

This week

  • The new regime keeps Rs 31,200 more of your salaryCBDT - today+Rs 31,200
  • EPF interest credited at the revised rateEPFO - 2 days agoRs 8,400
  • The 80D senior limit unlocks a fresh deductionDue 31 MarRs 15,600
Illustrative feed. Each item traces to its source.

01Feed

Your regulation feed

A what-changed-for-you inbox. Niyam reads the official record every day and surfaces only the changes that reach your money, each one dated and linked to the notification behind it. No digest of everything, no noise - if a rule does not touch your salary, savings or taxes, it never lands in your feed.

Only the changes that move your rupees, nothing else
Every item dated and linked to the source it came from
Short by design, so nothing important gets buried
A team reviewing financial updates together at a table

02Report

A grounded advisory report

Behind the feed sits a full advisory report, computed for you: a financial health score, your income read against 50/30/20, a retirement and FIRE projection, and the asset mix behind it. Every number is calculated from your own figures and cited to the rule it rests on. The charts below are illustrative.

A health score and a 50/30/20 read on where money goes
Retirement and FIRE projections from your real contributions
A target allocation, every figure computed and traceable

Projected corpus

Illustrative
Illustrative projection, 2026 to 2036 - Rs 12L to Rs 1.04Cr

Target asset mix

Illustrative
  • Equity55%
  • Debt30%
  • Gold15%

03Document

A report you can actually download

The report is not trapped behind a login. Download it as a rich, branded PDF you keep, take to your CA, or act on at your own pace - print-ready, cited end to end, and yours. A real document, not a dashboard screenshot.

A branded, print-ready PDF built from your figures
Hand it to your CA, or file it at tax time
Yours to keep, export or delete, whenever you want
Printed financial charts and statements laid out on a desk

A specimen download

Personalised report - sample

Assessment year 2026-27

Stay on the new regime. It keeps Rs 31,200 more in your pocket this year.

The old regime only wins if you can claim more than Rs 4,37,500 in deductions. You are at Rs 2,10,000 today.

Profile Product designer - Rs 18,00,000 CTC - Pune - rent Rs 32,000/mo

Recommended regime
New

Default for AY 2026-27

Annual saving vs old
Rs 31,200

About Rs 2,600 a month

Break-even deductions
Rs 4,37,500

You claim Rs 2,10,000 today

Figure

Annual tax - old regime vs new regime

  • Old regimeRs 1,79,400
  • New regimeRs 1,48,200

Computed on your declared salary and rent. Lower is better.

Recommended actions

  • Deadline:Declare the new regime to payroll in the April windowDue 30 Apr 2026Locks Rs 31,200
  • Action needed:Redirect the tax-saver SIP you no longer need into a plain index fundRs 1,50,000 freed
  • Good to know:Keep employer NPS under 80CCD(2). It still reduces tax under the new regime
Grounded in CBDT slab notifications and Finance Act provisions for AY 2026-27.

04Grounding

Every figure traces to a source

Niyam invents nothing. Each number links back to a primary source - a CBDT circular, an EPFO notification, an RBI direction, a SEBI rule, a Gazette entry. Open any figure and read the line it came from. If we cannot ground a claim, we do not make it.

Primary sources only: CBDT, EPFO, RBI, SEBI, the Gazette
Open any number and trace it to the exact notification
No aggregators, no hearsay, no invented figures

Grounding ledger

Illustrative

FigureSource
New-regime tax slabsCBDTNotification, AY 2026-27
EPF interest rateEPFOInterest circular, 2025-26
Repo-linked loan rateRBIMonetary policy statement
NPS equity ceilingSEBI / PFRDAScheme circular
  • Income Tax (CBDT)
  • EPFO
  • Reserve Bank of India
  • SEBI
  • Gazette of India

05Personal

Built around your income

Everything starts with you. Your salary structure, your tax regime, your EPF, your goals - they shape the feed you see and the numbers in your report. Change one detail and the whole picture recomputes. This is advice written for your balance sheet, not a template with your name on top.

Your CTC, regime, EPF and goals drive every figure
Update one input and the report recomputes end to end
Fee-only: nothing to sell you, so the numbers stay honest
An advisor's desk with a client's financial documents and a laptop

By the numbers

A data product, grounded end to end.

Niyam is only as good as the record it reads. These figures are honest and illustrative - the point is that every number in your report earns its place.

8
Primary sources tracked
44
Rules mapped and growing
100%
Of figures cited to a source

A guided tour

From the Gazette to your plan, one track.

Four steps turn the official record into a report that is yours. Scroll the track, drag it, or use the arrows.

  • Watch the record

    Niyam reads CBDT, EPFO, RBI, SEBI and the Gazette of India every day, the moment they publish.

  • Parse into rules

    Each circular becomes a dated, structured rule, linked back to the official document it came from.

  • Match to you

    Your salary, regime, EPF and goals form a private profile. Only the changes that reach your money get through.

  • Write the report

    The matches become a grounded report: what changed, what it means in rupees, and the next step, each figure cited.

Two people shaking hands across a desk after a planning session

Go beyond numbers.

See your first feed and the report Niyam would write for it.

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