Personal Finance Multi-part Series

Part 1: Income Tax Slabs, Regimes & The Basics (FY 2026-27)

Understand the foundation of Indian income tax. We break down the Old vs New tax regime, tax slabs for FY 2026-27, the standard deduction, Section 87A rebate, and how salaried professionals should think about tax planning.

10 parts

~32 min total

Chirag Singhal

Start Reading — Part 1

All Parts

Personal Finance May 12, 2026 · 6 min

Part 1: Income Tax Slabs, Regimes & The Basics (FY 2026-27)

#Income Tax Slabs#New Tax Regime#Old Tax Regime

Personal Finance May 12, 2026 · 3 min

Part 2: Section 80C — The ₹1.5 Lakh Shield

The definitive breakdown of every instrument under Section 80C. PPF, ELSS, EPF, NPS Tier-I, LIC, SCSS, NSC, SSY, tuition fees, home loan principal.

#Section 80C#PPF#ELSS

Personal Finance May 12, 2026 · 3 min

Part 3: Section 80D — Health Insurance Deductions

Maximize your tax savings with health insurance. Understand deduction limits for self, family, parents, and senior citizens under Section 80D.

#Section 80D#Health Insurance#Tax Saving

Personal Finance May 12, 2026 · 3 min

Part 4: HRA, LTA & Salary Restructuring

Learn how to calculate HRA exemption, claim LTA, and restructure your salary to minimize taxable income. Essential for every IT professional.

#HRA#LTA#Salary Restructuring

Personal Finance May 12, 2026 · 3 min

Part 5: Home Loan Tax Benefits

Complete guide to tax benefits on home loans in India. Section 24(b) interest deduction, Section 80EEA for first-time buyers, and co-borrower strategies.

#Home Loan#Section 24#Section 80EEA

Personal Finance May 12, 2026 · 3 min

Part 6: NPS — The Extra ₹50,000 Deduction

Understand how the National Pension System provides tax benefits under Sections 80CCD(1B) and 80CCD(2), and why NPS works in both tax regimes.

#NPS#Section 80CCD#Tax Saving

Personal Finance May 12, 2026 · 3 min

Part 7: Capital Gains Tax on Stocks, Mutual Funds & Property

Understand STCG, LTCG, the ₹1.25 Lakh exemption, debt fund taxation, and real estate capital gains in India for FY 2026-27.

#Capital Gains#LTCG#STCG

Personal Finance May 12, 2026 · 4 min

Part 8: New Tax Regime vs Old Tax Regime — The Final Verdict

Side-by-side comparison of India's two tax regimes with real salary breakdowns at ₹10L, ₹15L, ₹25L, and ₹50L. Find out which one saves you more.

#New Tax Regime#Old Tax Regime#Tax Comparison

Personal Finance May 12, 2026 · 4 min

Part 9: ITR Filing Guide — Forms, Deadlines & Common Mistakes

Step-by-step guide to filing your Income Tax Return in India. Which ITR form to use, how to read Form 16, AIS verification, and avoiding common mistakes.

#ITR Filing#Form 16#AIS

Personal Finance May 12, 2026 · 5 min

Part 10: Advanced Strategies — Tax Harvesting, HUF & Gifting

Master advanced tax-saving strategies for high earners. Tax-loss harvesting, creating an HUF, the gifting loophole, and maximizing post-tax income.

#Tax Harvesting#HUF#Gifting