Sanjeev Sinha

What are your rights as borrower when bank tries to repossess your vehicle?

Demand proper notices, written authorisation, and a possession inventory before surrendering your vehicle

Income tax return filing: How to avoid errors, notices and refund delays

Make sure to match Form 16 with AIS and Form 26AS, choose the correct ITR form, and compare tax regimes before filing

Could your income tax return face complete scrutiny under CBDT's new rules?

The CBDT has identified six categories of taxpayers for mandatory complete scrutiny in FY27. Understanding the triggers can help taxpayers stay prepared

Jointly owned house: Steps to avoid tax disputes and ownership issues

Sale deed should clearly specify ownership share; maintain proof of contribution in purchase

Why you should not rely solely on AIS data for filing tax return

Information contained in AIS should be cross-checked against data in various statements of financial transactions

Preparing a will? Avoid these common mistakes to make it unchallengeable

Avoid vague drafting, interested witnesses, unsigned corrections, and multiple, contradictory documents

FY26 ITR filing: How to choose the ITR form that best reflects your income

Taxpayers should carefully match their income profile with the applicable ITR form, as filing returns in the wrong form could lead to defective returns or tax notices

Understand legal and financial risks before becoming a joint account holder

Use joint accounts only where shared access is genuinely needed; do your due diligence before joining

SC's benami ruling: What families can do if ownership comes under scrutiny?

Check who actually paid for the property and whether the payment trail matches the registered owner

Why you should have a separate health corpus to tackle rising medical costs

Rising medical costs and insurance gaps make building a dedicated health corpus essential for long-term financial security

Home insurance: Do not alter fire-damaged property before insurer survey

Preserve evidence of damage by taking photographs or videos

Investing in NCDs: Assess credit ratings and financials, diversify holdings

With equity returns uneven, non-convertible debentures are gaining traction as a middle path between FDs and stocks-but investors must weigh credit risk, liquidity, and issuer quality before investing

Presumptive taxation: Explain income-investment gap with clear proofs

Reconcile investment details with bank records, Form 26AS and AIS before tax filing

Old vs new tax regime: Higher allowances, HRA changes warrant a review

Employees whose cost to company includes these components may find the old regime more beneficial this year

Form 121: Aggregate of small incomes shouldn't breach exemption limit

The Income-tax Rules, 2026, mark a major clean-up of the compliance framework

Travel Insurance: Check these things before taking that summer vacay abroad

With flight disruptions rising amid geopolitical tensions, travellers must check insurance coverage, exclusions, and claim conditions carefully before heading abroad this summer

Akshaya Tritiya gold buying: Match consumption, investment with purpose

On Akshaya Tritiya, choose gold wisely-jewellery for sentiment, ETFs and SGBs for returns; verify purity, costs, and tax impact before investing

Housing price growth slows: Developers with high inventory may negotiate

The exuberance seen in 2023 and early 2024 is no longer evident. Elevated property prices have strained affordability and slowed down the pace of transactions

Disclose high-value property gifts, taxable or exempt, in tax return

With high-value immovable property gifts now under SFT reporting, scrutiny will rise, making accurate disclosure of such transactions in income tax returns increasingly important

Motor insurance claims: Small lapses that can lead to costly rejections

Everyday mistakes, from delayed reporting to unauthorised vehicle use, can lead to a claim being denied