Tax and GST
Basics of Income Tax in India
A beginner's guide to income tax in India: heads of income, old vs new regime, slab calculation with examples, TDS, AIS, advance tax, ITR filing and GST basics.
· 8 min read
Editorial Team
Rupee Ledger Editorial Team
The Rupee Ledger editorial team researches and writes educational explainers on personal finance in India. Articles are based on official sources such as the Reserve Bank of India, SEBI, IRDAI and the Income Tax Department, and are updated when rules change.
Covers: Budgeting and saving, Banking basics, Credit and loans, Mutual fund concepts, Health insurance terms, Income tax basics
Read about how articles are researched and reviewed in our editorial policy.
Articles
Personal Finance
Common Personal Finance Mistakes and How to Avoid Them
Twelve common money mistakes in India, from skipping an emergency fund to paying only the credit card minimum, and practical ways to avoid each one.
· 6 min read
Saving Money
Emergency Funds: How Much Should You Save?
How to size an emergency fund for your household in India, why three to six months is only a starting point, and where to keep the money safely.
· 6 min read
Loans and Credit
How Credit Scores Work in India
How credit scores work in India: the four credit bureaus, what affects your score, free annual reports, common myths and how to dispute errors.
· 7 min read
Investment Education
How Inflation Affects Your Savings
How inflation is measured in India, the difference between nominal and real returns, the effect of tax, and how time horizon shapes your savings.
· 5 min read
Insurance Education
How to Compare Health Insurance Policies
Compare health insurance in India on the terms that decide payouts: room rent limits, co-payment, waiting periods, sub-limits and network hospitals.
· 8 min read
Personal Finance
How to Create a Monthly Budget in India
A practical, step-by-step guide to building a monthly budget in India, with a worked example, sinking funds for annual expenses and the limits of popular budgeting rules.
· 7 min read
Banking
How to Read a Bank Statement
How to read an Indian bank statement: value date vs transaction date, codes like NEFT, IMPS, NACH and POS, and what to do about unknown debits.
· 7 min read
Banking
Savings Account vs Fixed Deposit: Which Should You Use, and When?
How savings accounts and fixed deposits differ on interest, liquidity, premature withdrawal, tax and DICGC deposit insurance, with a worked example and when to use each.
· 7 min read
Loans and Credit
Understanding Loan Interest Rates
How loan interest works in India: fixed vs floating, repo-linked rates, flat vs reducing balance, EMI maths, APR and the Key Fact Statement.
· 7 min read
Mutual Funds
Understanding SIP and Mutual Fund Investing
A beginner's guide to mutual funds and SIPs in India: NAV, fund categories, direct vs regular plans, costs, risks, rupee cost averaging and tax.
· 8 min read