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Anagh Pal

Anagh Pal

Articles by Anagh Pal

Should NRIs invest ₹20 cr in luxury real estate? Costs versus returns explained

For NRIs, a more prudent strategy is to adopt a long-term investment horizon, focus on high-quality assets in prime markets, stagger investments rather than committing large sums at once. (Photo for representational purposes only)

Updated on Apr 22, 2026 03:07 IST

Selling your house? Here’s how to reduce your capital gains tax burden

When you sell a property, capital gains arise. However, you can save on paying taxes on capital gains by utilising certain provisions of the Income Tax Act. (Photo for representational purposes only)

real estate guide

Updated on Apr 20, 2026 03:05 IST

Landlord's property insurance may not cover a tenant’s personal belongings

If you are a tenant and the property is damaged by events like a flood or earthquake, it is typically covered under the landlord’s insurance. However, your personal contents remain your responsibility (Photo for representational purposes only)

real estate guide

Updated on Apr 13, 2026 03:00 IST

Buying an apartment? Don’t forget to factor in maintenance costs

When buying an apartment, look beyond the price tag, calculate the true cost of homeownership by factoring in maintenance, taxes, GST, and long-term upkeep expenses. (Photo for representational purposes only)

real estate guide

Updated on Apr 13, 2026 03:01 IST

New Labour Code: How HRA changes could impact your rent vs buy property decision

The new Labour Code is expected to reshape the way salaried professionals structure their income and, more importantly, how they make one of life’s biggest financial decisions, whether to rent or buy a home. (Photo for representational purposes only)

Updated on Apr 10, 2026 03:47 IST

RBI holds repo rate steady at 5.25%: What it means for home loan borrowers

RBI MPC: Monetary Policy Committee on April 8 kept the repo rate unchanged at 5.25%, signalling stability for current and prospective home loan borrowers. (Picture for representational purposes only)

real estate guide

Updated on Apr 8, 2026 07:49 IST

Income Tax changes 2026: Landlord relationship; PAN needed for ₹20L+ property

Income Tax Changes 2026: HRA claimers must now disclose landlord relationship; renters in Bengaluru, Hyderabad, Pune and Ahmedabad get a higher 50% exemption cap. (Photo for representational purposes only)

Updated on Apr 3, 2026 03:35 IST

Income Tax changes: PAN mandatory for property deals above ₹20 lakh from April 1

Income Tax Rules 2026: The CBDT has revised the threshold for quoting PAN in real estate transactions, raising it from <span class='webrupee'>₹</span>10 lakh to <span class='webrupee'>₹</span>20 lakh. (Picture for representational purposes only)

Updated on Apr 1, 2026 16:45 IST

Income Tax changes: Tenants paying over ₹50k rent must deduct 2% TDS by March 31

Income Tax Changes 2026: Under Section 194-IB, tenants paying over <span class='webrupee'>₹</span>50,000 in monthly rent must deduct 2% TDS on the total annual rent and withhold it from the March payment; the responsibility rests on the tenant. (Picture for representational purposes only)

Updated on Apr 3, 2026 03:40 IST

Income Tax 2026: From April 1, HRA needs rent disclosure for rent paid to father

Income Tax changes 2026: From April 1, 2026, his tax filings require greater scrutiny and disclosure. (Picture for representational purposes only)

Updated on Mar 30, 2026 03:36 IST

Income Tax 2026: 50% HRA relief extended, weigh old vs new tax regime

Income Tax Changes 2026: Extending the 50% HRA exemption to cities such as Hyderabad, Pune, Ahmedabad, and Bengaluru can significantly boost take-home pay for salaried individuals. (Picture for representational purposes only)

Updated on Mar 30, 2026 04:07 IST

Buying property with credit cards: Risks, rules, and what buyers must know

The Enforcement Directorate (ED) has flagged cases in which Indians used credit cards to purchase property overseas, particularly in Dubai, (Photo for representational purposes only)

Updated on Mar 24, 2026 05:18 IST

Planning to gift property to your spouse? LTCG may still be taxed in your hands

Legally, the spouse receiving the property may become the registered owner through a gift or settlement; however, for income tax purposes, the LTCG continues to be treated as income of the original owner. (Photo for representational purposes only)

Updated on Mar 23, 2026 04:20 IST

Section 54: Can seven adjoining flats qualify as a single unit for tax relief?

The Income Tax Appellate Tribunal ruled that adjoining flats used as one home qualify for exemption, shifting focus from the ‘one house’ rule to actual usage. (Picture for representational purposes only)

Updated on Mar 22, 2026 05:17 IST

CBDT notifies new IT rules: HRA claims to require landlord disclosure from April

The Central Board of Direct Taxes on March 20 notified the rules for Income-tax Act, 2025 which provided enhanced tax benefit for HRA to salary earner but makes disclosure of landlord-tenant relationship mandatory. (Photo for representational purposes only)

Updated on Mar 21, 2026 04:42 IST

Joint ownership and tax: How splitting rental income can lower your tax bill

If you co-own a property with a spouse or family member, you can divide the rental income among the co-owners, which reduces each owner's tax liability. (Photo for representational purposes only)

Updated on Mar 17, 2026 03:15 IST

Gift deed vs Will: Things to know before transferring property to family

A gift deed is used to voluntarily transfer assets without consideration during the donor's lifetime. A Will, on the other hand, is a legal declaration that outlines how a person’s assets should be distributed after their death. (Picture for representational purposes only)

Updated on Mar 15, 2026 05:22 IST

ITAT Ruling: How inherited property tax indexation can save you thousands

The Surat bench of the Income Tax Appellate Tribunal has clarified LTCG Indexation starts from the original property owner’s purchase year rather than the year it was inherited by the heir. (Photo for representational purposes only)

Updated on Mar 12, 2026 04:03 IST

Bengaluru man loses home on missing three EMIs; lessons for home loan borrowers

Bengaluru real estate: A city-based chartered accountant recently shared the story of her neighbour who allegedly lost his home after missing three EMI payments. (Picture for representational purposes only)

Updated on Mar 10, 2026 07:01 IST

International Women’s Day 2026: What women homebuyers should know

Women's Day 2026: Women borrowers should ensure that regular savings toward these goals are prioritised before committing to a home loan EMI (ChatGPT generated image)

Updated on Mar 9, 2026 04:46 IST

PAN may not be mandatory for property deals below ₹20 lakh

From April 1, 2026, the Draft Income Tax Rules, 2026 propose raising the PAN quoting threshold for property deals to <span class='webrupee'>₹</span>20 lakh from <span class='webrupee'>₹</span>10 lakh. The move may cover gifts and JDAs and is seen as relief for first-time buyers in tier-2 and tier-3 cities, though experts advise voluntarily quoting PAN due to potential capital gains tax implications. (Picture for representational purposes only)

Updated on Feb 28, 2026 07:20 IST

Metro, RRTS and more: 5 things homebuyers should evaluate before buying property

Prospective homebuyers should closely monitor interest rates, property valuation trends, upcoming infrastructure development, and policy changes impacting real estate. (Picture for representational purposes only)

Updated on Feb 22, 2026 06:54 IST

Can parents, in-laws, or a spouse be your landlord under Draft Tax Rules 2026?

Income Tax Draft Rules, 2026 introduce a key compliance change by mandating disclosure of the ‘relationship with the landlord’ in Form No. 124, a move aimed at curbing tax evasion rather than prohibiting genuine rental arrangements. (Photo for representational purposes only)

Updated on Feb 23, 2026 03:12 IST

Are you an NRI selling property in India? Here's how transfer date impacts tax

In most cases, when an NRI sells property in India, the date of registration of the sale deed is treated as the date of transfer for capital gains tax purposes. (Representational photo)

Updated on Feb 22, 2026 03:29 IST

Higher HRA likely for Bengaluru, Hyderabad, Pune: What tenants must know

Bengaluru, Hyderabad, Pune and Ahmedabad are likely to be added to the existing metro list of Mumbai, Delhi, Kolkata and Chennai, enabling more taxpayers to claim a higher HRA deduction. (Photo for representational purposes only)

Updated on Feb 15, 2026 07:36 IST

Plan to gift a house to your wife? Know these tax rules

Gifting a house to your wife on Valentine’s Day calls for careful tax and legal planning. (Photo for representational purposes only)

Updated on Feb 15, 2026 04:21 IST

What young couples should consider before buying property

Couple reportedly skips lavish wedding, buys house instead; even marries in the new home, surrounded by loved ones.

Updated on Feb 9, 2026 04:26 IST

RBI keeps repo rate unchanged: What buyers must know before buying a ₹1 cr home

Planning to buy a house? From a financial planning perspective, a commonly followed rule of thumb is to fund no more than 50–60% of the property value through a home loan (Photo for representational purposes only).

Updated on Feb 7, 2026 03:27 IST

Budget 2026 brings clarity on tax deductions for under-construction home loans

Budget 2026 offers clarity to under-construction homebuyers by bringing pre-construction interest within the <span class='webrupee'>₹</span>2 lakh deduction cap (Photo for representational purposes only)

Updated on Feb 6, 2026 03:21 IST

Planning to buy property from an NRI? Budget 2026 simplifies TDS compliance

Budget 2026 has proposed significant changes to simplify the purchase of property from non-resident Indians (NRIs). By eliminating the need for a separate TAN for TDS, the process now allows resident buyers to use only their PAN, reducing paperwork and compliance hurdles.. (Picture for representation purposes only)

Updated on Feb 2, 2026 02:52 IST

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