This single amendment, unfortunately, overshadows much of the Budget's promise, explains Harsh Roongta.
Sebi is working with other regulators to expand the CAS framework.
Drop us a mail at getahead@rediff.co.in and our expert, Harsh Roongta, will answer your home loan queries.
A phone number and e-mail are often enough for a fraudster to trick a lender into pulling your report and disbursing a loan.
The tax department has created many circular traps -- flawed reporting formats, penalties for those who point out the flaws, and faceless assessors with no accountability. The result: Millions of taxpayers face needless harassment and procedural dead ends, highlights Harsh Roongta.
Just as Gandhiji's spinning wheel became a symbol of resistance, Indian travellers today can turn their passports into instruments of peaceful protest, argues Harsh Roongta.
So, the next time someone tempts you with a slightly higher FD rate from a lesser-known bank, point them to hybrid funds that can deliver extra returns without the administrative and emotional rollercoaster.
DAP does not consider past I-T returns to match a taxpayer's resources with their expenditures or investments, points out Harsh Roongta.
F&O trading is a zero-sum game where one person's loss is another's gain. Only one per cent of traders gained the money lost by 93 per cent, warns Harsh Roongta.
'Tax officials view most taxpayers as evaders.' 'The I-T department has a perverse incentive to raise unreasonable demands since the one-fifth tax collected counts towards officials' collection targets,' observes Harsh Roongta.
The life insurance industry does not have a good track record when it comes to passing on tax benefits to policyholders, points out Harsh Roongta.
Keeping surplus money in a bank account has become perilous, alerts Harsh Roongta.
The best solution would be the one followed in 2018 -- allow cost indexation until March 31, 2024 -- but exit at any time. The second-best alternative would be to allow time until March 31, 2025 for investors to exit their investments under the old indexation regime, points out Harsh Roongta.
There are a number of steps taken that will leave more money in the hands of the taxpayers.
These include the reduction in tax rates under the new tax regime, increase in standard deduction, allowing tax collected at source to be adjusted against tax deducted at source from salaries, notes Harsh Roongta.
SEBI has published data showing that more than 90 per cent of investors lose money in futures and options, explains Harsh Roongta.
I stumbled upon shares worth around Rs 300,000 in my late father's name, which are currently with the Investor Education & Protection Fund, points out Harsh Roongta.
The fear of rejection keeps many of us from experiencing the rich lives we deserve, notes Harsh Roongta.
'Clients deemed higher-risk are required to update their KYC more frequently.'
A disciplined, systematic investment habit started at a young age is normally sufficient to meet modest goals without having to sacrifice a normal comfortable lifestyle, suggests Harsh Roongta.
A growth scheme not only leads to lower tax payments than the dividend option. but also allows any income that is not withdrawn to compound, explains Harsh Roongta.
While managing their finances, individuals can make it a rule to seek advice from an expert or feedback from a trusted colleague or friend.
In an online chat with readers, Investment Advisor Harsh Roongta answered their queries on the ban on Rs 500 and Rs 1000 notes.
Investment advisor Harsh Roongta will answer your queries on the ban on Rs 500 and Rs 1000 notes and what you should be doing.
Home loan expert Harsh Roongta answers readers' home loan queries.
Is your lender not reducing interest rate on your floating rate home loans? Here's what you must do.
A few steps that will help ease your home loan transfer to another lender.
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
Home loan expert Harsh Roongta advises readers on what they should do if they are prepaying their home loans.
Home loan expert Harsh Roongta advices borrowers on points to consider before going to a home loan lender.
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
Get Ahead home loan expert Harsh Roongta on tax benefits fo availing a home loan.
A mass fan following or a large number of views on a YouTube channel can't possibly constitute 'credentials'.
While reasonable safeguards should be built in, there can't be restrictions on the individual's right to leave her/his money to whoever s/he wants, notes Harsh Roongta.
Not just unclaimed bank deposits, there are thousands of crores of rupees locked in unclaimed shares and insurance policies lying with many institutions across India.
Risk is difficult to evaluate, warns Harsh Roongta.
Will the EPFO be required to deduct tax at source or will the employee have to calculate the tax and pay it separately?
Home loan expert Harsh Roongta answers your home loan queries.
All your home loan queries answered by our expert Harsh Roongta.
The life insurance kind of 'statutory nomination', which confers final ownership on the nominee, is the need of the hour for all assets, suggests Harsh Roongta.
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
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