Author name: Neha Kulkarni

You are repaying a home loan every month — but your EMI is doing two things at once. Part of it is paying off the principal you borrowed. The rest is paying the bank’s interest. The Indian Income Tax Act treats both differently, and if you are on the old tax regime, both may reduce

Your kitchen tiles are cracking. The bathroom wall shows damp patches. The electrical wiring is thirty years old and trips the MCB every other week. You need to spend money on the house — but you do not have ₹5–8 lakh sitting idle. Borrowing feels logical. But the phrase “home improvement loan” covers more than

You own a flat and someone pays you rent every month. That rent feels like extra income — and it is. But the Income Tax Department sees it differently. Rental income sits in its own tax bucket called “Income from House Property,” and it comes with its own set of deductions, rules, and ITR schedules

Selling a property in India can mean receiving ₹60 lakh on one day — and receiving a tax notice six months later. Capital gains tax on property sale applies to the profit you make when you transfer a house, flat, plot, or building, and the tax impact depends on one decision above all others: whether