3tej Blog - Page 16
129 guides on personal finance, taxes, real estate, investing, and health.
10 best ELSS mutual funds for 2026 SIP investors (3-yr + 5-yr return ranked)
Top 10 ELSS (Equity-Linked Savings Scheme) mutual funds in India for SIP investing 2026. Ranked by 3-yr and 5-yr return, expense ratio, AUM, and consi...
How to choose old vs new tax regime FY 2025-26: decision tree + break-even
Old regime offers Rs 1.5L 80C + HRA + home loan + 80D deductions but higher slab rates. New regime: lower rates, Rs 75K standard deduction only. Break...
How to invest in NPS for tax savings 2026: Rs 50K extra deduction strategy
NPS Tier 1 unlocks Rs 50,000 extra tax deduction under Section 80CCD(1B), on top of Rs 1.5L 80C. Total Rs 2L deduction. At 30% slab + 4% cess = Rs 62,...
How to file ITR online 2026: step-by-step guide for salaried + freelancers
File your Indian Income Tax Return for AY 2026-27 online via the IT Department portal. ITR-1 vs ITR-2 decision, common mistakes, deadlines, refund tra...
How to calculate HRA exemption 2026: metro vs non-metro, worked examples
House Rent Allowance exemption under Section 10(13A) cuts taxable income by Rs 50K-Rs 3L+ for rented salaried employees. Metro 50% rule, non-metro 40%...
How to save income tax under Section 80C in 2026: full Rs 1.5 lakh guide
Section 80C lets you cut taxable income by Rs 1.5 lakh in FY 2025-26. 18 eligible instruments ranked by return, lock-in, and risk. ELSS, PPF, NPS, EPF...