Sanjeev Sinha

Income tax notice to a deceased person: How should legal heirs respond?

Legal heirs must bear in mind that the income tax return for the year of death must be filed and tax, if due, must be paid

Income tax notice: Respond with facts and documents, not panic

Verify it, respond within deadline; file revised or updated return if needed

Education loans: Myths that can derail applications, hurt credit score

From credit scores and co-borrowers to collateral, margin money and tax benefits, understanding these education loan misconceptions can help borrowers avoid costly mistakes

Investing abroad? Here's how to report foreign assets, income in ITR filing

Complete this task with care, as failure to disclose foreign assets with an aggregate value exceeding ₹20 lakh can attract a penalty of ₹10 lakh under the Black Money Act

How cryptocurrency investors can avoid tax and regulatory trouble

Use registered platforms, report every trade and maintain a complete audit trail

RBI Ombudsman Scheme: Know complaint timelines, compensation, appeal rules

The RBI Integrated Ombudsman Scheme, 2026, introduces higher compensation, shorter complaint timelines and a streamlined grievance process for customers of regulated entities

Delayed home handover? Don't waive your right to seek compensation

If you must sign to get possession from the developer, record in writing that you are accepting possession without prejudice to your right to seek compensation

Errors freelancers and gig workers must avoid while filing tax returns

Choose the correct income-tax return (ITR) form, reconcile tax deducted at source (TDS) with Form 26AS and the Annual Information Statement (AIS), and keep records ready before claiming deductions

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