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Balwant Jain

Articles By Balwant Jain

35 Articles

RBI scheme to increase retail participation in government securities: What is it and will it succeed?

As per the RBI decision, individuals will be allowed to open a gilt account through the RBI’s electronic platform.

Government attempts half-heartedly to bring in taxation parity between mutual fund and ULIP

The budget has proposed to amend the Section 10(10D) to restrict the exemption in respect of ULIPs for those ULIP policies where the annual premium payable in respect of such policy does not exceed Rs 2.50 lakh during the pre

Interest earned on PF contributions above Rs 2.5 lakh is taxable now – How you will get impacted

Since we do not have a social security system in our country, why should the government discourage anyone from contributing a higher amount towards his retirement fund?

How Budget 2021 proposals will impact homebuyers

The budget has made two proposals which intend to extend the tax benefits available to home buyers.

National Pension System: Government needs to make NPS fair for all categories of subscribers

Presently only the Central Government employees are allowed to claim deduction under Section 80C for contribution made towards the Tier II account of NPS with a lock in of three years.

Business Cycle Fund Investing: Here’s all you wanted to know

Those who wish to take the benefit of first mover advantage and do not wish to take the risks involved of investing in sectorial funds can invest in the business cycle funds.

5 most important financial resolutions for 2021

This is the time of the year when a majority of us make some resolutions as regards our physical fitness but only a few make resolutions for remaining financially fit.

Income Tax Return filing for AY 2020-21: Who can use ITR-1 Sahaj and who cannot?

Form ITR 1, popularly known as Sahaj, is used by a majority of tax payers for filing their income tax return. Here is a look at who can file this form and who can't.

Income tax benefits on EPF contributions and withdrawals: All you need to know

EPF is an excellent tool for salaried to accumulate funds for their retirement. Let us discuss the income tax implications of EPF contributions and withdrawals.

SCSS Scheme Eligibility, age limit, Senior Citizen Savings Scheme 2019, private sector employee, SCSS account opening, post office

Should you invest in tax-free bonds? Find out

In case of tax-free bonds, the interest is tax-free and therefore such bonds are priced higher than the taxable bonds.

bond, RBI bonds, tax-free bonds, Should you invest in tax-free bonds, AAA-rated bonds, NSC risk-free investment, financial turmoil, low risk, medium risk, high-risk investments, ETF, Gold ETF, stock market, large-cap companies,

Claiming LTA benefits through GST paid goods and services – Here’s all you should know

Under the scheme announced, the Central government employees are allowed to get cash in lieu of their entitlement for leave and LTA both whereas other employees can claim LTA only, on satisfaction of certain conditions.

Can you get a home loan with no credit history? Find out

A CIBIL score is a numerical value ranging between 300 and 900 which is arrived on the basis of your transactions with financial institutions.

Does the SBI home loan restructuring scheme work for you?

SBI has announced that its home loan borrowers can opt for the moratorium for payment of their EMIs for a period up to two years.

SBI, SBI home loan restructuring scheme, home loan, SBI home loan, RBI loan restructuring scheme, Basic features of SBI scheme, interest rates, monetary impact, future EMIs, home loan, housing loan, RBI policy review, RBI announcements, conducive environment, homebuyers, Home loan interest rates, credit score

ESG Investing: How to invest in ESG companies – Here’s all you wanted to know

Even though the idea of investing on the ESG parameter is at a nascent stage in India, it is very likely to catch up soon due to increasing awareness about such important aspects.

Are you paying higher interest on your home loan?

In case your lender is charging you a higher interest rate on your home loan than what others are offering in the market, it always makes sense for you to either shift to another lender or to evaluate the possibility of getti

home loan, home loan interest rates, paying higher interest on home loan, Shifting of home loan, housing loan, home loan eligibility, home loan floating interest rate, prepayment penalty, processing fee

RBI’s individual loan restructuring scheme: All you wanted to know about it

To help the borrowers impacted by Covid-19, the RBI has announced guidelines for devising the policy for granting relief to such borrowers.

RBI individual loan restructuring scheme, personal loan restructuring scheme, RBI, EMI, NPA, salaried class, Covid-19, consumer credit, education loan, home loan, personal loan, resolution plan, credit score

How to open an NPS account online and offline – All you wanted to know

You can open an NPS account online by visiting the website of either NSDL or Karvy. There are the two routes through which you can register yourself for an NPS account.

NPS, National Pension System, How to open NPS account, how to open nps account online, how to open nps account offline, how to open nps account in sbi, HDFC, PNB, ICICI, NSDL, Karvy, Aadhaar, PAN, PRAN

National Pension System: How withdrawals from Tier II NPS account should be taxed

Though tax benefits for contribution to the Tier I NPS account are available to all subscribers, tax benefits in respect of the Tier II account are available only to the Central government employees with three years lock-in p

National Pension System, NPS, Tier II NPS account, Tier I NPS account, withdrawals from NPS account, How withdrawals from Tier II NPS account should be taxed, Section 80CCC, Income tax act, Section 80CCD

Faceless Assessment & Taxpayers’ Charter: All you need to know about them and their impact on the system

In the series of tax reforms, the Prime Minister recently announced some reformative measures during the launch of 'Transparent Taxation - Honouring the Honest' platform. Let us discuss some of them.

income tax reform, Faceless Assessment, Taxpayers’ Charter, Faceless Appeal Process, ITR, income tax return filing, TDS, black money, benami property, prime minister, e-assessment scheme

Restrictions on cash transactions under Income Tax laws: Here’s all you wanted to know

The income tax laws in India have various restrictions on payment in cash and receipt of money in cash in respect of various transactions. Here we are taking a look at some of them.

cash transactions, Restrictions on cash transactions, Income Tax Act 1961, Restrictions on cash transactions under Income Tax laws, cash transaction limit, cash transactions above 10000, cash transactions restrictions, cash transactions above 2 lakhs

How to save tax on sale of residential property – All you need to know

Many people are not aware that they have to pay tax in respect of profits made on sale of a residential house. In certain circumstances, you can save these taxes.

how to save tax on property sale, how to save tax on sale of residential property, long-term capital gain tax, sale of property in india, tax on selling property in india, specified bonds, Tax liability on the basis of holding period

Should you buy the new Corona-specific insurance policies?

IRDAI has introduced two Corona-specific insurance policies to cover the high cost of its treatment. However, should you opt for them?

health insurance, super top-up health insurance, top-up health insurance, hospitalisation expenses, health insurance top-up, health insurance, Corona-specific insurance policies, Corona Cover, Corona Rakshak, Corona Kavach, high cost of treatment of corona, IRDAI, cost of hospitalisation

Why Senior Citizen Savings Scheme makes sense even now? Check features, interest rate, withdrawal details

Since the deposits under SCSS earn you higher returns than those generally available under other comparable safe investment avenues, it should be the first choice of senior citizens who want risk-free returns on their investm

Senior Citizen Savings Scheme, SCSS, features, interest rate, nomination, tenure, withdrawal details, Senior Citizen Savings Scheme calculator, PPF, Ulip

National Pension System: Basics of NPS, eligibility, benefits, nomination, contribution limit – All you wanted to know

Since the Government of India does not run any social security scheme to take care of its citizens after retirement, NPS was introduced by it under which you can contribute money in order to accumulate funds for your retireme

NPS account opening

RBI Floating Rate Savings Bonds: Tenure, taxability, interest rate – All you wanted to know

After discontinuing its 7.75% fixed interest rate bonds on the 28th May 2020, the RBI has come out with its new “floating rate savings bonds” on 26th June 2020, which will be available from 1st July 2020.

PPF, SCSS, NSC, KVP, MIS account opening, GDS branch, post office, child name

Income Tax Return filing for FY2019-20: Here is all you need to do before filing your ITR

Before you actually sit down to file your income tax return (ITR) for FY2019-20 or AY 2020-21, there are certain tasks which you need to complete beforehand.

Income Tax Return, Income Tax Return filing for FY 2019-20, AY 2020-21, verify details of Form 26AS, Form 16 / 16A, all you need to do before filing ITR, TDS, PAN, due date extension

ITR filing for AY 2020-21: What is new in the New 26AS Form? Here is all you wanted to know

A new Form 26AS has been introduced by the Income Tax Department, which will have far more details than the earlier form. Let us discuss what new information will be made available to you under the new 26AS Form and why it is

save tax for FY 2019-20, tax saving options, ITR filing last date FY 2019-20,tax-saving investment options, taxpayers
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