Welcome to @personaltax – Your Simplified Guide to Indian Tax & Personal Finance!
At @personaltax, we simplify complex tax laws, break down government updates, and offer easy-to-understand guides on managing your personal finances. Whether you’re a salaried employee, small business owner, professional, or student—our goal is to empower you with clear, accurate, and actionable financial knowledge.
On this channel, you’ll find:
Step-by-step guides to file Income Tax Returns (ITR)
GST updates, return filing tutorials & compliance checklists
TDS/TCS explanations, Form 16, Form 26AS, AIS statements
Investment tax planning & deductions under Sections 80C to 80U
Personal finance tips, EPF/PPF/NPS insights & financial year-end planning
Government schemes & how to benefit from them (PMVVY, SCSS, etc.)
Why Subscribe?
Because we keep it simple, practical, and up to date.
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Personal Tax and Finance
BIG BREAKING NEWS 🚨
Starting March 1, 2026, messaging platforms like WhatsApp, Telegram and Signal will function only if the SIM card registered to the user is inserted and active in the phone.
Modi government has declined to extend the deadline, citing national security concerns.
6 hours ago | [YT] | 1
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Personal Tax and Finance
My daughter is financially set up for life because of these 2 things I did on the day she was born!
1️⃣ Sukanya Samriddhi Yojana.
Investment → ₹1.5L/yr. (max)
Interest → 8.2% p.a.
Tenure → 15 yrs.
Total investment → ₹22.5L.
Maturity at 21 → ₹71L.
Investment - qualifies for Section 80C.
Interest earned - tax-free.
Maturity - 100% tax-free.
2️⃣ NIFTY50 Index Fund SIP.
That is ₹1.2L/yr.
Step-up SIP: +8% yearly.
Expected returns: ~10% CAGR.
15-year goal: ~₹50L.
The goal is to give your child options in life through money.
Because, options give freedom to build a life that they love. ❤️
Agree?
9 hours ago | [YT] | 2
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Personal Tax and Finance
🔈 2 IPOs Listing Update 🔈
🩺 Gaudium IVF & Women IPO
Listed at ₹ 83.0 (NSE) against the offer price of ₹79 at a Premium of 5.06% ⬆
Retail 1 Lot Profit: Rs 756/-
HNI 1 Application Profit : Rs 10,584/
Congratulations 🎉 to Everyone who got Allotments 🙂.
📍 Manilam Industries India SME IPO
Listed at ₹55.2 against the offer price of ₹69 at a Discount of 20%
18 hours ago | [YT] | 3
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Personal Tax and Finance
सेबी (SEBI) ने म्यूचुअल फंड्स को निर्देश दिया है कि 1 अप्रैल 2026 से गोल्ड और सिल्वर ETF की वैल्यूएशन भारतीय एक्सचेंजों के घरेलू स्पॉट प्राइस के आधार पर की जाए, न कि लंदन के अंतरराष्ट्रीय बेंचमार्क प्राइस पर। इसका उद्देश्य भारतीय बाजार की वास्तविक कीमतों को दर्शाना और पारदर्शिता बढ़ाना है।
अब भारत में गोल्ड और सिल्वर ETF की कीमतें अंतरराष्ट्रीय (लंदन) दरों के बजाय भारतीय बाजार में चल रही सोना-चांदी की वास्तविक कीमतों के अनुसार तय होंगी। इससे निवेशकों को ETF की वैल्यू भारत के स्थानीय बाजार के अधिक करीब दिखाई देगी।
19 hours ago | [YT] | 1
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Personal Tax and Finance
Big news for every Indian investor dreaming of global markets! 🚀
NSE International Exchange (NSE IX) has just launched its Global Access platform – and it's a game-changer!
Right now (as of Feb 2026), you can directly trlade in US stocks like Apple 🍎, Microsoft 💻, Tesla 🚗, NVIDIA ⚡, Google, Amazon and more – straight from India!
No more complicated foreign broker accounts or high minimums.
Key highlights in super simple words:
- US market is LIVE today! Buy real US equities and ETFs in dollars.
- Over the next 3-6 months, access to 30+ global markets rolling out – think UK, Japan, Europe (G7 focus first), and beyond. Covering huge chunks of world GDP!
- Fractional investing – Don't have ₹50,000+ for one Tesla share? Buy just a small portion (even ₹1,000 worth!). Perfect for beginners and small investors.
- Only equities (stocks) and ETFs allowed – safe, regulated under RBI's Liberalised Remittance Scheme (LRS) – up to $250,000/year per person.
- Funds go in INR → converted to USD automatically.
- Easy digital onboarding: Use PAN-based KYC, no separate demat needed initially, trade via web or mobile app.
- From GIFT City – India's international finance hub.
This means diversification at your fingertips! Tired of only Indian stocks? Now build a portfolio with global giants without hassle.
Why it matters: Indian investors have been hungry for US/tech exposure. This makes it simpler, cheaper, and more accessible than ever before.
Who can use it? Resident Indians (under LRS) + NRIs too!
If you're into investing, this is HUGE. Start exploring the platform now during its soft-launch phase.
19 hours ago | [YT] | 1
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Personal Tax and Finance
SEBI just introduced something that could quietly change long-term investing in India.
Life Cycle Funds are structured to automatically adjust asset allocation as your goal approaches. Start at 30? The fund stays equity-heavy for growth. Move closer to 60? It gradually shifts towards debt and other lower-risk assets. You don’t rebalance. You don’t time markets. The fund operates within SEBI-defined allocation bands based on years left to maturity.
And here’s the powerful part: rebalancing inside the fund is tax-efficient. No capital gains trigger every time allocation changes.
These funds can hold equity, debt, gold ETFs, silver ETFs, InvITs, even commodity derivatives. Tenure rules are strict: minimum 5 years, maximum 30 years, launched only in 5-year buckets like “Life Cycle Fund 2055.” Clear. Structured. Goal-oriented.
Exit load is steep in the first three years, which discourages short-term behaviour. That’s intentional.
At the same time, SEBI has suspended retirement and children’s fund categories. That tells you something. The regulator is moving from emotional product labels to outcome-based structures.
This is not hype. This is architecture changing.
1 day ago | [YT] | 3
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Personal Tax and Finance
Finance Ministry Notifies Aadhaar Authentication for CIBIL Credit Report Access
1 day ago | [YT] | 2
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Personal Tax and Finance
*The GST Portal has enabled a new functionality from the February 2026 return period.*
After fully utilising your IGST input tax credit, you can now use CGST or SGST input tax credit to pay off IGST liability in any order of your choice.
1 day ago | [YT] | 4
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Personal Tax and Finance
CCFS–2026 : लंबित ROC फाइलिंग निपटाने का सुनहरा अवसर!
कॉरपोरेट अनुपालन को सरल बनाने हेतु CCFS–2026 योजना के अंतर्गत कंपनियों को लंबित ROC फाइलिंग पूरा करने पर विशेष राहत प्रदान की जा रही है।
मुख्य लाभ:
✔ अतिरिक्त शुल्क (Additional Fees) में 90% की छूट
✔ केवल 10% अतिरिक्त शुल्क का भुगतान
✔ Dormant Status (MSC-1) – मात्र 50% फीस
✔ Company Strike Off (STK-2) – केवल 25% फीस
✔ विलंबित फाइलिंग पर प्रोसिक्यूशन से इम्युनिटी
योजना अवधि:
15 अप्रैल 2026 से 15 जुलाई 2026 तक (केवल 3 माह)
यह योजना उन कंपनियों के लिए एक बार का अवसर है जिनकी वार्षिक ROC फाइलिंग लंबित है। समय रहते अनुपालन पूरा करें और भारी पेनल्टी से बचें।
अभी कार्रवाई करें — Compliance सही, Company सुरक्षित।
1 day ago | [YT] | 2
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Personal Tax and Finance
📊 IPO Subscription Status Update – Latest Market Update
🧵 Shree Ram Twistex IPO - Day 3
🔹 QIB: 3.94x
🔹 Retail: 76.59x
🔹 NII: 220.29x
⭐ Total Subscription: 43.66x
📝 Total Applications: 5,59,599
⚡ Clean Max Enviro Energy Solutions IPO – Day 3
🔹 QIB: 2.99x
🔹 Retail: 0.07x
🔹 NII: 0.57x
⭐ Total Subscription: 0.99x
📝 Total Applications: 37,002
💎 PNGS Reva Diamond Jewellery IPO – Day 2
🔹 QIB: 1.01x
🔹 Retail: 0.69x
🔹 NII: 0.69x
⭐ Total Subscription: 0.87x
📝 Total Applications: 16,999
🏗 Omnitech Engineering IPO – Day 1
🔹 QIB: 0.14x
🔹 Retail: 0.06x
🔹 NII: 0.06x
⭐ Total Subscription: 0.09x
📝 Total Applications: 6,733
2 days ago | [YT] | 3
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