Practical guides on GST filing, income tax, accounting, home loans, and mutual funds — written by the Tax Margin team, not aggregated from anywhere else.
Tax Margin
GST
Every GST return due date in one place — GSTR-1, GSTR-3B, CMP-08, and the QRMP schedule — plus what changes if you're on the quarterly scheme, and what a missed date actually costs.
Tax Margin
Loans
A lower rate elsewhere doesn't automatically mean a balance transfer pays off once you account for fees and how much loan tenure is left. Here's the actual math, with current rate ranges.
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Mutual Funds
The SIP-vs-lump-sum debate has a real, data-backed answer — and it depends more on market conditions and your own behaviour than most people assume. Here's how to actually decide for your situation.
Tax Margin
Income Tax
The new regime's lower slabs look attractive until you count what you're giving up. Here's the current slab structure, the ₹12.75 lakh zero-tax point, and a practical way to decide — not just a rate table.
Tax Margin
Finance
Year-end bookkeeping tells you what already happened. Monthly bookkeeping is the only version that lets you actually do something about it — here's the real cost of waiting, with concrete examples.
Tax Margin
GST
GSTR-2B reconciliation is the single biggest defence against ITC notices. Here's the exact process we run for clients every month, with the mismatches that actually matter and the ones you can safely ignore.
Tax Margin
Loans
Fixed rates offer certainty at a price. Floating rates track the repo rate both ways. Here's how to actually weigh the trade-off for your situation, with the current rate environment factored in.
Tax Margin
Mutual Funds
ELSS is the only 80C option that's also a genuine equity investment. Here's how the tax saving and the wealth-building actually work together, including the current LTCG tax treatment on exit.
Tax Margin
Income Tax
Everything a proprietorship or small business owner needs gathered before sitting down to file — so you're not hunting for one missing document at 11pm the night before the deadline.
Tax Margin
Finance
A profitable P&L and an empty bank account can coexist — and it happens more often than most business owners expect, especially to growing businesses. Here's why, worked through with real numbers.
Tax Margin
GST
E-invoicing is no longer just for large corporates. Here's the current turnover threshold, how the IRN process actually works, and the setup mistakes that create weeks of correction later.
Tax Margin
Loans
A 750+ CIBIL score doesn't just get you approved faster — it can mean a genuinely lower interest rate on the same exact loan. Here's how the scoring actually works and what moves it fastest.
Tax Margin
Mutual Funds
Past returns are the number everyone looks at first — and the least reliable one. Here's what actually predicts whether a fund fits you, in the order that matters most.
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Income Tax
Buying a property over ₹50 lakh? You're legally required to deduct 1% TDS before paying the seller — here's exactly how the process works, and what happens if you skip it.
Tax Margin
Finance
You don't need an accounting degree to get real value from a P&L — you need to know which five numbers actually matter, what they're telling you, and what a change in each one usually means.
Tax Margin
GST
₹50 a day sounds small until you multiply it across GSTINs and months, and 18% interest has no cap at all. Here's exactly how GST late fees and interest are calculated, worked through with real numbers.
Tax Margin
Loans
A home loan comes with two separate tax deductions that work differently — one on the interest, one on the principal, and both only under the old regime. Here's how to claim both correctly, including the joint-borrower trick.
Tax Margin
Mutual Funds
FDs feel safer because the number never moves — but debt funds and FDs are solving different problems, and the tax treatment isn't as simple as it used to be. Here's the comparison with current numbers.
Tax Margin
Income Tax
If your tax liability for the year exceeds ₹10,000, you're expected to pay it in instalments as you earn — not in one lump sum at filing time. Here's the schedule, the calculation, and the interest penalty for getting it wrong.
Tax Margin
Finance
Udyam registration takes ten minutes and costs nothing — the benefits it unlocks, especially the 45-day payment protection, are worth far more than the minimal effort suggests.
Our CA-backed team handles everything from filing to refunds. Speak to an expert today — no commitment.
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