Eight portals. Eight PDFs. All free to download — if you know where to look. Pick the document you’re after and we’ll walk you through it, step by step.
Don’t pay a third party. Every doc on this page can be downloaded directly from the issuing portal at no cost — that’s the whole point of these guides.
One PDF with every share, every mutual fund, every bond — the NSDL Consolidated Account Statement that's already in your inbox.
4 stepspreflightEvery loan, every card, every EMI, current balances, and your credit score. One file from any of the four bureaus.
5 stepspreflight12 months of transaction-level data. Sajag detects salary credits, EMI debits, and your real spend categories.
4 stepspreflightEPF balance, employer + employee contributions, interest credits, and UAN identity. One file, every past employer.
4 stepspreflightTier 1 + Tier 2 corpus, scheme-wise NAV, contribution history, and PRAN identity.
5 stepspreflightAnnual TDS certificate from your employer — gross salary, perquisites, deductions claimed.
4 stepspreflightEvery TDS deducted across employers, banks, contractors, and property transactions — your full annual tax footprint.
5 stepspreflightThe original policy bond — sum assured, premium, term, benefits, exclusions. One PDF per policy.
5 stepspreflightConcept guides
Plain-math explainers — tax, FIRE, and the rules that move real money. Brutal honesty, no fluff, every section cited.
What it is, who qualifies, what you save, and the five caveats before forming one.
ReadMost Indians are on the wrong regime. The new regime beats the old at every income level UNLESS deductions clear ₹3.75–4.5L. The exact breakeven, with worked examples.
ReadHRA is the largest deduction old-regime renters get — and almost everyone claims less than they should. The three-cap formula, metro vs non-metro, with worked numbers.
ReadAIS and Form 26AS show different views of the same taxpayer year — they never match exactly. The four common mismatches and how to reconcile each before you file your ITR.
ReadSection 80C lets you deduct ₹1.5L. Eight instruments compete for that ₹1.5L. Which one wins depends on age, time horizon, and risk appetite. The ranked comparison.
ReadWhen EPF withdrawal is tax-free vs taxable: the 5-year continuous-service rule. Transfer vs withdraw between jobs, and the most expensive job-switch mistake.
ReadBudget 2024 rewrote capital-gains rules. Equity, debt, gold, property, MFs — every asset class has new STCG and LTCG rates. The full FY 2025-26 table with worked examples.
ReadRestricted Stock Units are taxed twice — as perquisite at vest, capital gains at sale. Most discover this when March TDS hits. The full math and how to avoid the cash crunch.
ReadSection 80CCD(1B) gives an extra ₹50,000 deduction ABOVE the ₹1.5L 80C cap. Open to all salaried + self-employed — the cleanest 30% tax shave most Indians forget about.
ReadJoint home loans let both spouses claim ₹2L Section 24 interest separately — ₹4L combined. Rules on co-ownership, co-borrower status, EMI split, and the documentation that holds.
ReadBoth are TDS certificates. They look identical. They serve different purposes. The exact difference — and why filing without either is a scrutiny landmine.
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