https://realtaxindia.com/

  📉 Set Off and Carry Forward of Losses in Income Tax — A Complete Guide for FY 2025–26 Managing income tax effectively is not just about filing returns; it’s also about strategically handling your profits and losses. One of the smartest tax-saving strategies available to individuals and businesses in India is set-off and carry forward of losses under the Income Tax Act, 1961 . These provisions allow taxpayers to reduce their overall tax liability by adjusting losses against taxable income. Whether you’re a salaried professional, a business owner, or a property investor, understanding how to utilize set-off and carry forward rules can lead to significant tax savings. In this blog, we explain everything you need to know about set-off and carry forward of losses for the Financial Year 2024–25 (Assessment Year 2025–26) . (📊 Discover how to align your mutual fund portfolios with your long-term goals. Read more here : 📝 Are Your Mutual Fund Portfolios Overlapping ) ?...

  📊 Are Your Mutual Fund Portfolios Overlapping? Here’s How to Find Out & Fix It In the world of investments , building a well-diversified mutual fund portfolio is key to managing risks and maximizing returns. However, many investors unknowingly fall into the trap of over-diversification  — buying too many mutual funds that hold the same stocks . This creates mutual fund portfolio overlap , which defeats the very purpose of diversification. So, what exactly is portfolio overlap? Why does it matter? And how can you identify and eliminate it to build a more effective investment strategy? Let’s break it down. Linkedin : New Post Facebook : New Post 🔍 What Is Mutual Fund Portfolio Overlap? Portfolio overlap occurs when two or more mutual funds in your portfolio hold the same stocks . For example, if both Fund A and Fund B have invested 5% in Reliance Industries, that 5% holding is considered an overlap. This happens more frequently than you think, e...

  🏡 TDS on Property Purchase in India: Everything You Need to Know By Realtaxindia| 20 JUN 2025 | 5 min read When buying property in India, many homebuyers overlook a critical compliance step —  Tax Deducted at Source (TDS) . While it may seem like a bureaucratic formality, TDS plays a vital role in ensuring tax transparency and avoiding future penalties. This guide breaks down the entire process, from applicability to payment , in a simple, actionable format. 📌 What Is TDS and Why Is It Important? TDS is a tax collection mechanism where a portion of the payment is deducted at the source and deposited with the government. It applies to various transactions —  salaries , rent, professional fees — and yes, even property purchases . For the Income Tax Department, TDS is a way to track high-value transactions and ensure tax compliance. 🏠 When Does TDS Apply on Property? TDS is applicable when: You purchase an immovable property (excluding rural agricultural land) From...

  Tax Planning in India: Meaning, Importance, and Benefits for Financial Growth By RealTaxIndia   Published on: 19 JUN 2025 | 4 min read   Presented by Real Tax India Introduction Tax planning is more than just a way to save money — it’s an essential part of smart financial management. It ensures that individuals and businesses comply with the law while also optimizing their income, investments , and savings. In this blog, we simplify the meaning, importance, and benefits of tax planning , helping you understand how effective planning can lead to long-term financial stability. What is Tax Planning? Tax planning is the process of analyzing and organizing your finances to ensure the most tax-efficient outcome. It involves utilizing available tax deductions, credits, and exemptions legally to minimize tax liability. Unlike tax evasion, which is illegal, tax planning operates within the legal framework , allowing individuals and businesses to structure their incom...