Investing and capital gains
How mutual funds, shares, IPOs, RSUs and F&O are taxed, and how to report them. 8 posts, every fact checked against official sources.
InvestingHow to apply for an IPO in India: a step-by-step guideYou need a demat account and a bank account with UPI. Apply through your broker, approve the UPI request, and your money stays in your account until shares are allotted.
InvestingIPO tax: how listing gains and IPO shares are taxedSell IPO shares within 12 months of allotment, including on listing day, and the gain is taxed at 20%. Hold longer, and it's 12.5% on gains above ₹1.25 lakh a year.
InvestingF&O and intraday trading: how a salaried trader is taxedF&O profits aren't capital gains: they're business income, filed in ITR-3. A loss can't reduce the tax on your salary, but it can be carried forward if you file on time.
InvestingFreelancing on the side: how salary plus freelance income is taxedFreelance fees aren't salary. Under 44ADA only half of them is taxed, but you'll need a different ITR, advance tax, and possibly GST registration.
InvestingHow mutual funds and SIPs are taxed in FY 2026-27Equity fund gains are taxed at 20% within a year and 12.5% after it, with the first ₹1.25 lakh of long-term gains tax-free each year. With a SIP, every instalment has its own clock.
InvestingSmall savings interest rates for October to December 2026, and the tax on eachPPF stays at 7.1%, Sukanya Samriddhi and SCSS at 8.2%. Here's every post office scheme's rate, and which ones are really tax-free.
InvestingCapital gains tax in FY 2026-27: what salaried people need to knowSold shares, mutual funds, a flat or gold? Here's how the gain is taxed, how to cut the tax legally, and what to do with a loss.
InvestingRSUs and foreign shares: how they're taxed in IndiaIf your employer gives you RSUs in a US or other foreign company, tax applies twice: when they vest, and when you sell. If you're resident and ordinarily resident in India, you also report them in Schedule FA.
Rather ask a person?A real tax expert can look at your case. The first chat is free.