Harun Raaj & AssociatesHarun Raaj & Associates
CA Insights

Tax & compliance,
demystified.

Statute-cited guides to Indian income tax, GST, company law, FEMA, and more — every answer cites the section you can verify.

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Statute-cited
AIF & Fund Management Services

5 articles

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Featured7 Jun 2026§ 10(4D)

AIF Annual Compliance: Form N, Form N-2, SEBI Audit & CA Certificate Requirements

AIF sponsors must navigate multiple compliance layers annually: SAT reporting via Form N, scheme-level returns via Form N-2, statutory audit under SEBI AIF Regulations 2012, and mandatory CA certificates. Missing deadlines or filing errors attracts penalties and regulatory action.

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8 May 2026§ 10(4D)

PPM and LPA Drafting for AIFs: SEBI Mandatory Disclosures, Co-Investment Rights, and the Key-Man Clause

Alternative Investment Fund (AIF) managers in India face strict SEBI requirements for Private Placement Memoranda (PPM) and Limited Partnership Agreements (LPA). This post covers mandatory disclosures, co-investment mechanics, and the critical key-man clause that regulators and CAs scrutinise.

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16 Apr 2026§ 115UB

AIF Taxation in India: Category III Pass-Through, STCG Surcharge & Investor Reporting

Category III AIFs enjoy pass-through taxation under Section 115UB, but investors still face surcharge on short-term capital gains and must file Schedule CYLA. Understand the full tax burden, reporting requirements, and planning opportunities.

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30 Mar 2026§ 10(4D) of the Income Tax Act, 1961

Gift City IFSCA AIF: Setup, LRS Investment by Residents, and Tax Neutrality Under Section 10(4D)

Setting up an AIF in Gift City IFSC offers Indian residents a pathway to invest abroad through LRS while enjoying tax neutrality under Section 10(4D). Here is the regulatory framework, compliance structure, and why this matters for high-net-worth investors.

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Audit & Assurance

6 articles

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Featured30 Jun 2026§ 138

Internal Audit Under Section 138 of Companies Act 2013: Who Must Do It and What It Must Cover

Section 138 of the Companies Act 2013 mandates internal audit for certain companies based on turnover and paid-up capital thresholds. This post clarifies who must comply, what the audit scope covers, and the statutory obligations for audit committees.

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11 May 2026§ 206

Forensic Audit in India: When Courts & Lenders Require One, What Evidence Counts, and Your CA's Liability

A forensic audit is not a routine compliance exercise--it is a specialized investigation triggered by suspicion of fraud, misappropriation, or financial crime. Courts, lenders, and regulators deploy forensic auditors when standard audit procedures fail to uncover the truth. Understand when one is mandated, what evidence holds up in law, and what liability your CA faces.

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21 Apr 2026§ 44AB

Tax Audit Under Section 44AB: Threshold, Forms 3CB vs 3CD, and Rs.1.5 Lakh Penalty

Section 44AB mandates a statutory tax audit for business and professional income above specified thresholds. Get it wrong--miss the deadline or file the wrong form--and you face a Rs.1.5 lakh penalty. Here's what you need to know.

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5 Apr 2026§ 30 of the Banking Regulation Act, 1949

Bank Branch Audit Under RBI Guidelines: LFAR, NPA Classification & IRACP Norms

Bank branch audits are a statutory necessity under RBI guidelines, governed by the long-form audit report (LFAR) framework and IRACP norms for asset classification. Understanding the technical requirements, NPA thresholds, and compliance obligations is critical for auditors and bank management.

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Business & Transaction Advisory

3 articles

Featured26 May 2026§ 203

Virtual CFO vs Full-Time CFO for Indian SMEs — Cost, Value & When to Hire Which

A full-time CFO in India costs ₹60–180 lakh per year once PF, bonus, and fixed overheads are included. A Virtual CFO costs ₹15,000–55,000 per month. But the decision is not just about cost — it is about the stage of your business, the complexity of your compliance, and how much CFO-level judgment you actually need. This guide breaks it down.

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24 May 2026§ 56(2)(viib)

Business Valuation in India — EV/Revenue & EV/EBITDA Multiples by Sector for FY 2025-26

What is your business worth? In India, valuation is not just a curiosity — it is a legal requirement for FDI, ESOP grants, buybacks, and M&A deals. This guide covers the three primary valuation methods, sector-specific EV/EBITDA multiples, Rule 11UA for angel tax, and how IBBI Registered Valuers differ from a CA valuation opinion.

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20 May 2026§ 2(85)

Statutory Audit Checklist for FY 2025-26 — CARO 2020 & Schedule III Compliance

Every company subject to statutory audit faces one question: are we ready? This checklist covers CARO 2020's 21 reporting clauses, the 2021 Schedule III amendments, and the five control areas auditors scrutinise most in mid-size companies during FY 2025-26.

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Business Finance & Credit

5 articles

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Featured31 May 2026§ 141 of the Companies Act, 2013

SME Credit Ratings: How CAs Build the Financial Package That Wins CRISIL Ratings and Lower Borrowing Costs

A strong credit rating from CRISIL can slash your SME's borrowing costs by 1-3% per annum. Learn how the CRISIL SME rating process works, what financial documentation your CA must prepare, and why the quality of your numbers matters more than the size of your balance sheet.

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23 May 2026§ RBI Master Direction on Credit

Working Capital Finance: CC vs OD vs Bill Discounting, DSCR Calculation & What Banks Check in Audited Financials

Banks offer three main working capital routes: Cash Credit (CC), Overdraft (OD), and bill discounting. Each carries different costs, compliance burdens, and risk profiles. Your DSCR ratio and audited financials determine approval odds and limits.

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2 May 2026§ 45

NBFC Registration with RBI: Category A vs B, Rs. 10 Crore NOF, and Annual Compliance Checklist

The RBI's Scale-Based Regulation framework classifies NBFCs into Category A (minimum Rs. 10 crore NOF) and Category B, with distinct compliance requirements. This guide clarifies the registration path, regulatory distinctions, and the annual compliance obligations your finance company must meet.

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26 Apr 2026§ 71 of the Companies Act, 2013

Non-Convertible Debentures (NCDs) for Private Companies: Legal Framework, SEBI Rules & TDS Obligations

Non-Convertible Debentures (NCDs) are a popular debt instrument for private companies seeking capital without diluting equity. This post covers Section 71 of the Companies Act 2013, SEBI's Offer for Sale of Securities by High Net Worth Individuals (OBPP) rules for listed NCDs, and critical TDS obligations under Section 193 of the Income-tax Act.

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Capital Markets & Investment Banking

11 articles

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Featured5 Jul 2026§ SEBI (LODR) Regulations, 2015

SEBI Exemption Order for Waaree Energies: What Listed Companies Should Know

SEBI has issued a specific exemption order in the matter of Waaree Energies Limited. While the full scope of the exemption requires review of the complete order, this development signals important compliance considerations for listed companies and their boards.

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4 Jul 2026§ SEBI (Stock Brokers) Regulations, 1992

SEBI's New Rules on Handling Client Unpaid Securities

SEBI has issued a circular establishing updated compliance requirements for how trading members must handle unpaid securities belonging to clients. This impacts settlement practices, custody obligations, and operational procedures for stock brokers, trading members, and the entities they serve.

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3 Jul 2026§ SEBI (Advertisement Code) Guidelines, 2003

SEBI's Proposed Common Ad Code: What It Means for You

SEBI has proposed a unified advertisement code for specified regulated entities. Here's what investors and business owners should know about this move, why it matters for transparency, and what to watch for as the proposal develops.

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2 Jul 2026§ SEBI (Listing Obligations and Disclosure Requirements) Regulations

SEBI Settlement Helpdesk: What Listed Companies, NBFCs & AIFs Need to Know

SEBI has launched a Settlement Helpdesk Facility to help regulated entities navigate settlement-related compliance. Listed companies, NBFCs, and AIFs should understand how this facility can support timely compliance with settlement procedures and timelines under SEBI's regulatory framework.

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Company Law & MCA Compliance

35 articles

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Featured5 Jul 2026§ 185

Lending Between Your Own Group Companies: Section 185 or Section 186? What the Companies Act Actually Requires

Founders assume moving cash between two companies they own is their own business. The Companies Act disagrees. Section 185 and Section 186 both govern inter-corporate loans, they overlap where directors are common, and you must satisfy both — special resolution, board unanimity, G-Sec-linked interest and MGT-14 filing — or face fines up to Rs 25 lakh plus an adverse CARO remark on your permanent MCA record.

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4 Jul 2026§ 92

"We charge our UK parent whatever is convenient": What arm's-length pricing actually requires

When your Indian private limited company transacts with a foreign parent, subsidiary, or fellow group entity, the price is not yours to set by convenience. Two separate laws govern it: the transfer-pricing code under Sections 92 to 92F of the Income-tax Act, which requires every international transaction between associated enterprises to be at arm's length, and Section 188 of the Companies Act read with Rule 15, which treats intra-group dealings as related party transactions needing Board or shareholder approval unless they are at arm's length. Get the pricing wrong and you face a primary adjustment, penalties up to 200% under Section 270A, a 2% documentation penalty under Section 271AA, and a ₹1 lakh hit under Section 271BA for missing Form 3CEB. This guide maps both regimes, the penalties, and the step-by-step compliance path.

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3 Jul 2026§ 134(3)(h) of the Companies Act, 2013

Leaving Form AOC-2 blank: What the Companies Act actually requires for related-party disclosure

Founders routinely mark Form AOC-2 "Not Applicable" while paying themselves rent, lending the company money, or buying from a spouse's firm. AOC-2 is mandated by Section 134(3)(h) and Rule 8(2) — and with CCFS-2026 closing 31 August 2026, incomplete Board's Reports are getting caught.

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2 Jul 2026§ 188 of the Companies Act, 2013

Related party transactions: when board approval is enough and when you need shareholders (Section 188)

Related party transactions are not illegal — but getting the approval route wrong is one of the most expensive compliance failures in Indian private companies. Section 188 of the Companies Act sets up a two-tier structure: some deals need only a board resolution, others need prior shareholder approval, and omnibus approval is not available to most private companies at all. This guide explains exactly which rule applies, the precise Rule 15 thresholds, the arm's-length and wholly-owned-subsidiary carve-outs, AOC-2 disclosure and MCA21 v3 flags, personal penalties up to ₹25 lakh, and a step-by-step approval checklist — with a worked numerical example showing how two deals with the same related party can fall on opposite sides of the line.

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Business Compliance & Labour Law

11 articles

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Featured19 Jun 2026§ 405 of the Companies Act, 2013

MSME Form 1 Half-Yearly Return: October 2026 Due Date and Who Must File

Every company that receives goods or services from MSME suppliers and has outstanding dues older than 45 days must file Form 1 with the Ministry of Corporate Affairs twice a year. The October 2026 filing covers the April–September 2026 period.

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19 Jun 2026§ 46 of the Foreign Exchange Management Act, 1999

FEMA Non-Debt Third Amendment 2026: What Changed for Foreign Investors in India

The Foreign Exchange Management (Non-debt Instruments) (Third Amendment) Rules, 2026 introduced targeted changes to how foreign investment is structured, priced, and reported for certain categories of Indian companies.

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19 Jun 2026§ 15 of the Foreign Exchange Management Act, 1999

FEMA Compounding Under the 2024 Rules: How RBI Self-Reporting Now Works

The Foreign Exchange Management (Compounding Proceedings) Rules, 2024 replaced the 2000 Rules and changed two things that matter most in practice: the self-reporting framework and the compounding fee structure. Companies that violated FEMA provisions and have not yet regularised their position need to understand how the 2024 Rules change the calculus.

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15 Jun 2026§ 173

ClearTax vs MakeItLegit: Which Compliance Platform Actually Helps Founders Stay Legal?

ClearTax files your GST returns. MakeItLegit tells you which compliance deadlines will actually get you disqualified. Compare both before you decide.

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Cost Audit & CMA Services

4 articles

Featured5 Jun 2026§ 92C of the Income Tax Act, 1961

Standard Costing for Manufacturers: Bridging Product Costs and Transfer Pricing Under Section 92C

Manufacturers face a twin challenge: keeping product costs accurate via standard costing while simultaneously defending transfer prices to tax authorities. Section 92C demands robust documentation. Form 3CEB requires certified cost accounting records. This post shows how to make standard costing serve both objectives.

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4 Jun 2026§ 3

DPCO Compliance for Pharma: Cost Statement Format, Ceiling Price Reporting & NPPA Rules

The Drug Price Control Order (DPCO) 2013 mandates strict cost accounting and price declaration for pharma companies. We break down cost statement format, NPPA ceiling price calculations, and critical compliance deadlines.

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11 May 2026§ 92C

Stock Audit for Bank Borrowers: RBI Guidelines, Ind AS 2 Valuation, and LFAR Findings

Banks require independent stock audits under RBI guidelines before releasing credit limits. This post covers RBI norms on stock and book debt valuation, Ind AS 2 compliance, and how LFAR findings impact borrower credibility and loan security.

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6 May 2026§ 148

Cost Audit Under Section 148, Companies Act 2013: Mandated Industries, CRA-3 Report & CRA-4 Filing

Section 148 of the Companies Act 2013 mandates cost audit for specified industries. Learn which sectors require it, how to file CRA-3, CRA-4 deadlines, and penalties for non-compliance.

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Customs Duty & Trade Policy

6 articles

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Featured19 Jun 2026§ Customs Act, 1962

EOU and IGCR Compliance: Duty-Free Imports Under Customs Rules 2017

Export Oriented Units (EOUs) are permitted to import capital goods, raw materials, and consumables without customs duty under the Customs (Import of Goods at Concessional Rate) Rules 2017. This concession is subject to strict compliance conditions and end-use verification by Customs authorities.

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10 Jun 2026§ 12 of the Customs Act, 1962

Customs Duty in India: BCD, IGST on Imports & the ITS Explained

Customs duty is not just a single levy--it's a layered system of Basic Customs Duty, additional duties, and IGST. Understanding the Integrated Tariff Schedule and how these duties interact is critical for importers, manufacturers, and NRIs bringing goods into India.

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23 Apr 2026§ 73(3) of the Customs Tariff Act, 1975

Anti-Dumping Duty in India: DGTR Investigation, Provisional vs Final Duty, and High Court Challenge

Anti-dumping duty protects Indian industry from cheap imports. The Directorate General of Trade Remedies (DGTR) conducts investigations that can result in provisional and final duties. Importers have legal grounds to challenge these findings at the High Court.

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14 Apr 2026§ 14 of the Customs Act, 1962

HSN Classification Disputes at Customs: SVB, Related-Party Pricing, CAAR Advance Ruling & CESTAT Appeal

HSN classification disputes can paralyze your imports. This post explains how the Standing Valuation Board (SVB) determines related-party pricing, the CAAR advance ruling procedure to prevent disputes, and your appeal rights to CESTAT if Customs rejects your valuation.

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Direct Tax Services

43 articles

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Featured24 Jul 2026

"The new regime is always cheaper": What the break-even math actually says for AY 2026-27

Everyone says the new tax regime is always cheaper. For most salaried filers it is — but not all. Whether it wins for you comes down to one number: your total deductions. Here is exactly where the break-even falls at every income level for AY 2026-27, with worked math.

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20 Jul 2026

ITR Form Selection Guide for AY 2026-27: Who Must File ITR-1, ITR-2, ITR-3, and ITR-4

Filing the wrong ITR form triggers a defective return notice. With 31 July approaching, this guide tells you which form applies to your income profile — and why NRIs almost never qualify for ITR-1.

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19 Jul 2026

TDS on Salary Under Section 192: Why Employers Get It Wrong and How to Cross-Check Your Form 16

Employers routinely miscalculate Section 192 TDS — wrong regime, missed perquisites, ignored job changes. The final tax liability is always yours. Here is how to cross-check Form 16 against AIS before you file.

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18 Jul 2026

Section 54 Exemption on House Sale: The One-Property Rule, 54EC Bond Limits, and the 2-Year Deadline Trap

Missing the CGAS deposit by 31 July costs you the Section 54 exemption entirely — even if you buy a house well within the 2-year window. Here is the full guide to the house sale capital gains exemption.

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Emerging & Next-Gen Compliance

5 articles

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Featured21 May 2026§ 29A

SEBI BRSR ESG Reporting: What Top 1000 Listed Companies Must Do Now

From FY 2024-25, India's top 1000 listed companies face a hard regulatory deadline: BRSR ESG reporting with third-party assurance is now compulsory under SEBI LODR. Scope 3 emissions must be disclosed. Here's what boards and CFOs need to action immediately.

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11 Apr 2026§ 29A

Insolvency Resolution Under IBC 2016: The 330-Day CIRP Timeline, Section 29A Eligibility, and CoC Voting Rights

The Insolvency and Bankruptcy Code 2016 sets a strict 330-day timeline for Corporate Insolvency Resolution Process (CIRP) completion. This post breaks down the CIRP phases, explains Section 29A ineligibility criteria, and clarifies secured creditor voting mechanics in the CoC.

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6 Apr 2026§ 115BBH

Crypto and VDA Tax in India: Section 115BBH, 30% Flat Tax, and TDS Rules

India taxes crypto and Virtual Digital Assets (VDAs) under Section 115BBH with a flat 30% rate, no loss offset against other income, and mandatory TDS under Section 194S. This is not a capital gains framework--it's a standalone levy with strict disclosure and documentation rules.

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24 Mar 2026§ 45(5A)

Real Estate Tax in India: Section 45(5A) Joint Development, TDS 194-IC & GST on Under-Construction Flats

Real estate taxation in India involves three critical compliance layers: capital gains under Section 45(5A) for joint development projects, TDS obligations under Section 194-IC on land sales, and GST treatment of under-construction flats following the March 2019 rate reduction. This guide unpacks each.

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Exporters — Tax, GST & FEMA

6 articles

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Featured22 Jun 2026§ 13

FEMA Export Realisation: The 9-Month Rule, Write-Off, and Section 13 Penalties Explained

Exporters must realise export proceeds within 9 months under FEMA Notification 23(R). Failure invites penalties under Section 13 of FEMA. This post covers the realisation rule, write-off eligibility, penalty mechanics, and compliance steps.

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13 Jun 2026§ 13

Advance Authorisation under Foreign Trade Policy: Routes, SION Norms, and Closing Export Obligation

Advance Authorisation lets you import raw materials and components duty-free to manufacture and export finished goods. This guide covers the pre-import and post-import routes, SION norms, and the critical compliance rules for closing your export obligation.

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10 Jun 2026§ 10AA

Software Exports and SOFTEX Filing: STPI, FEMA 23(R), and the Non-Negotiable CA Certificate for Section 10AA

If you export software through an STPI unit, you cannot claim Section 10AA exemption without a Chartered Accountant certificate. This post explains SOFTEX filing, FEMA 23(R) compliance, and why the CA sign-off is legally mandatory, not optional.

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16 May 2026§ 13

EPCG Scheme: Zero-Duty Capital Goods Import & Export Obligation Calculator Under FTP 2023

The Export Promotion Capital Goods (EPCG) scheme lets exporters import capital goods at zero customs duty--but only if you fulfill your export obligation. This guide walks you through duty-free import eligibility, obligation calculation, and the penalties that hit hard when you fall short.

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FEMA & Cross-Border Transactions

14 articles

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Featured3 Jul 2026§ 92

"Just Invoice the Indian Subsidiary a Management Fee": What Transfer Pricing Actually Requires

Foreign parents assume a management fee to the Indian subsidiary is routine. India's transfer pricing rules disallow fees that fail the benefit test.

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1 Jul 2026§ 92

"We're too small for transfer pricing rules": What India's Income-tax Act actually requires

Foreign founders assume transfer pricing is a big-company problem. India's Income-tax Act sets no turnover floor — one cross-border deal triggers Form 3CEB.

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30 Jun 2026§ 115

Repatriating Profits From India: What FEMA Actually Requires on Dividends, Royalties, and Technical Fees

Dividends, royalties, and technical fees each have distinct FEMA rules and withholding rates. Here's the full compliance roadmap for foreign investors.

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26 Jun 2026§ Income-tax Act

"My Indian company is Indian, so it can invest freely": What FEMA actually requires for downstream investment

When a foreign-owned Indian company invests in another Indian company, FEMA still treats it as foreign investment. Here is what downstream rules require.

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Indirect Tax Services

7 articles

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Featured23 Jul 2026

GSTR-3B vs GSTR-1 Mismatch Notices: Why They're Issued, How to Reconcile, and the Penalty Exposure

The GST system compares GSTR-1 and GSTR-3B automatically every month. A mismatch triggers an ASMT-10 notice. Here is why mismatches occur, how to reconcile them step by step, and what Section 73 vs 74 means for your penalty exposure.

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22 Jul 2026

Input Tax Credit Blocked Under Section 17(5): The Complete List With the Cases That Catch Businesses Off Guard

Section 17(5) of the CGST Act permanently blocks ITC on motor vehicles, employee welfare, construction, and gifts — regardless of business purpose. These blocked credits are the most common GST audit finding. Here is the complete list and the exceptions.

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21 Jul 2026

GST Registration Threshold in 2026: ₹20L vs ₹40L vs ₹10L — Which Limit Applies to Your Business

Three GST thresholds, multiple special-category states, and a PAN-level aggregation rule that trips up everyone who treats their states as separate businesses. Here is which limit applies to you and when Section 24 overrides all thresholds.

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22 May 2026§ 75A

RoDTEP Rate Chart 2025-26 for Indian Exporters — Scheme Guide, Eligible Categories & How to Claim

RoDTEP (Remission of Duties and Taxes on Exported Products) replaces MEIS and refunds embedded central, state, and local duties not covered by other schemes. This guide explains the rate structure, eligible HS categories, the scrip mechanism, and how to combine RoDTEP with IGST refunds, Advance Authorisation, and EPCG.

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NGO, Trust & Not-for-Profit

5 articles

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Featured1 Jun 2026§ 271K

Form 10BD and 10BE: Donor Statements, May 31 Filing, Section 271K Penalty, and Donation Certificates

Not-for-profit organisations must file Form 10BD and 10BE by May 31 with detailed donor information. Miss the deadline and face Section 271K penalty. Here's what triggers penalties, how to compute them, and best practices for issuing donation certificates to maintain compliance.

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26 May 2026§ 135

CSR Compliance Under Section 135: The Rs.40 Lakh Threshold, Form CSR-2, and the 2% Unspent Transfer Rule

CSR compliance under Section 135 of the Companies Act 2013 is mandatory for companies crossing the Rs.40 lakh profit threshold. This post covers the 2% spend obligation, Form CSR-2 filing mechanics, and the new unspent transfer provisions that changed corporate philanthropy.

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5 May 2026§ 12A

ITR-7 for Charitable Trusts: Schedule VC, Form 10B Audit, and Section 115TD Exit Tax

Charitable trusts filing ITR-7 must navigate Schedule VC disclosures, Form 10B statutory audit requirements above Rs.5 crore receipts, and Section 115TD exit tax on trust cancellation. This guide covers all three compliance pillars with current rules and pitfalls.

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17 Mar 2026§ 12A

Section 12A and 80G Registration for NGOs: Form 10A, Provisional vs Final Registration, and Donor Deductions

NGOs seeking tax-exempt status must navigate Section 12A and 80G registration carefully. This guide breaks down Form 10A filing on the e-portal, the distinction between provisional and final registration under Section 12AB, and the tax benefits available to donors.

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NRI Services

36 articles

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Featured5 Jul 2026§ 6

US-India DTAA Article 15 vs Article 16: What ITA 2025 Actually Says About Your Salary

Most salaried NRIs treat the India-US treaty as one blanket exemption and assume Article 15 (employment income) and Article 16 (directors fees) work the same way. They do not. Article 15 follows where you physically work; Article 16 follows where the company is resident. This guide separates the treaty rules from the WhatsApp folklore, runs the Article 15(2) three-part 183-day test, and maps it all to ITA 2025 forms (26AS to 168, 15CA to 145, 15CB to 146) so you claim the right relief and avoid mismatched TDS notices.

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4 Jul 2026§ 90

Form 10F is not an email attachment: what ITA 2025 actually requires NRIs to file online

Most NRIs still email a signed Form 10F PDF to Indian payers — and lose 20-30% of their payment to TDS as a result. Since October 2023, Form 10F must be generated and filed electronically on the Income Tax e-filing portal, with a system acknowledgement that has legal value. This guide explains what the law requires under Section 90/90A (carried into ITA 2025), how the TRC and Form 10F work together, three real NRI money scenarios, and the exact step-by-step online filing process — including the route for NRIs without a PAN.

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3 Jul 2026§ 195

"My UAE residency exempts my Indian income": What ITA 2025 actually says

Many Gulf NRIs believe a UAE tax residency exempts their Indian income under the DTAA. It doesn't. The treaty allocates taxing rights and prevents double taxation — it does not switch off Indian tax on India-sourced rent, gains, or interest. Here is what actually applies, and the TRC and Form 10F you must file to claim any treaty relief at all.

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2 Jul 2026§ 208

"NRIs don't pay advance tax": What ITA 2025 actually says about deadlines and penalties

A stubborn NRI-forum myth says that because Indian banks and tenants already deduct TDS, NRIs are exempt from advance tax. They are not. If your Indian tax liability after TDS still exceeds Rs.10,000, you must pay advance tax in four quarterly instalments — exactly like a resident. This guide covers what ITA 2025 (Sections carried from 207-211 and 234B/234C of ITA 1961) actually says, the four instalment dates for Tax Year 2026-27, the exact penalty math at 1% per month, and the on-market capital gains trap where no TDS is deducted at all.

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Operations & CFO Services

5 articles

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Featured15 Jun 2026§ 179

Working Capital Management: Cash Conversion Cycle, Credit Terms & TReDS Invoice Discounting

Working capital management isn't about juggling; it's about moving cash intelligently. Learn to decode your cash conversion cycle, negotiate supplier and customer terms that don't strangle your business, and use TReDS platform effectively for invoice discounting under RBI framework.

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26 May 2026§ 179

Financial Projections for Fundraising: 3-Statement Model, Ind AS 115 Revenue Recognition & Board Approval Under Section 179

Fundraising demands credible 3-statement projections: P&L, balance sheet, and cash flow. Investors scrutinize revenue recognition under Ind AS 115, debt capacity, and working capital. Board approval under Section 179 is mandatory, not optional.

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20 May 2026§ 179

MIS Reporting for Growing Businesses: P&L, Cash Flow & KPI Dashboards

Growing businesses live and die by visibility. Management Information Systems (MIS) reporting transforms raw financial data into dashboards that drive decisions. Learn what your P&L, cash-flow, and KPI dashboards should track, and how Ind AS schedules integrate into monthly management accounts.

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29 Apr 2026§ 179

CMA Report for Bank Credit: What Banks Look for in Form CMA and How to Prepare a Winning DPR

Banks don't lend on hope. The Composite Management Account (CMA) is the backbone of any credit appraisal. This post explains what banks actually scrutinise in Form CMA and how a CA structures a defensible DPR (Detailed Project Report) for project finance.

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Resident Welfare Associations

4 articles

Featured28 Jun 2026§ 44AB of the Income Tax Act

RWA Audit & Accounting: Receipts & Payments, Sinking Fund, and Statutory Requirements

Residential Welfare Associations must file statutory audits and maintain compliant accounts under the Societies Registration Act. This guide covers receipts and payments preparation, sinking fund accounting, and audit requirements that RWA secretaries and treasurers must follow.

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25 Jun 2026§ 2(24)

Income Tax for Resident Welfare Associations: Mutuality, Exemptions, and ITR-5 Filing

Resident Welfare Associations operate under the mutuality principle under Section 2(24) of the Income Tax Act. Learn which RWA income is exempt, exemption limits, and when ITR-5 filing becomes mandatory.

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20 Jun 2026§ 194C

TDS Obligations for RWAs: Section 194C & 194J, and Monthly Form 26Q Filing

Residential Welfare Associations often overlook their TDS filing duties. This post covers Section 194C on maintenance contractor payments, Section 194J on professional fees, and the critical monthly Form 26Q deadline--with compliance checklists for RWA treasurers and accountants.

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29 May 2026§ 194C

GST on RWA Maintenance Charges: The Rs.7,500 Threshold and ITC Compliance

Residential Welfare Associations collecting maintenance charges under Rs.7,500 per member per month enjoy GST exemption under Notification 12/2017-CT(R). But the threshold is strict, ITC reversal rules bite hard, and GSTR-1 disclosure matters. Here's how to stay compliant.

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Trademark & IP Services

5 articles

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Featured25 Jun 2026§ 6(1)(d) of the Trade Marks Act, 1999

Trademark Registration in India: The 4-Step Process Under Trade Marks Act 1999, Class 35 for Service Businesses, and Why a CA Should Handle the IP Audit

Trademark registration in India follows a four-step statutory process under the Trade Marks Act, 1999. Service businesses use International Classification Class 35. A CA's IP audit protects your intangible assets and ensures tax compliance.

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16 Jun 2026§ 44

Copyright Registration Under Section 44 of the Copyright Act 1957: Why Software Companies Need It

Copyright registration under Section 44 of the Copyright Act 1957 provides statutory evidence of ownership and is essential for software companies enforcing IP rights. We explain what qualifies for registration, the procedure, and why it matters for your business.

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17 Apr 2026§ 9(1)(b)

Trademark Objection Reply Under Rule 45: Common Grounds and Winning Strategies

A trademark objection under Rule 45 of the Trade Marks Rules 2017 is not a death sentence for your application. The Trademark Registry issues objections on specific grounds--many of which are defensible with solid evidence and case law. Learn how to draft a response that actually persuades the examiner.

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11 Apr 2026§ 128

IP Due Diligence in M&A: Valuing Trademarks, Checking Encumbrances & Schedule III Disclosures

In M&A transactions, intellectual property due diligence is non-negotiable. Here's how to value trademarks, spot encumbrances, and comply with Schedule III disclosure rules under the Companies Act 2013.

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Wealth & Treasury Management

5 articles

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Featured8 Apr 2026§ 47(xiii)

Succession Planning for Family Businesses: HUF Partition, Buy-Sell Agreements, and Tax-Neutral Exits

Family business succession demands more than emotional handovers. Section 171 HUF partitions, properly structured buy-sell agreements, and Section 47(xiii) exemptions are the legal and tax toolkit that protects wealth across generations while minimizing capital gains tax.

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27 Mar 2026§ 48

Capital Gains Optimisation for HNIs: Section 54, 54EC Bonds, and 54F Before March 31

High net-worth individuals face significant capital gains tax when selling property or unlisted shares. Section 54, 54EC, and 54F offer legitimate exemptions, but the rules are strict and the March 31 deadline is unforgiving. This guide explains the harvesting window and how to lock in relief before year-end.

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21 Mar 2026§ 56(2)(x)

Estate Planning for HNIs: Will vs Trust, Gift Tax Under Section 56(2)(x), and Why Your CA Must Lead

High-net-worth individuals in India face critical choices between wills and trusts, compounded by gift tax implications under Section 56(2)(x). A skilled CA must lead your estate planning strategy to protect your wealth, minimize tax leakage, and ensure smooth succession.

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12 Mar 2026§ 17(2)

ESOP Wealth Planning for Startup Founders and Employees: Tax Deferral and Post-Vesting Strategies

ESOPs are a powerful wealth-building tool for startup employees and founders, but the tax code can turn them into a liability if you don't plan ahead. Section 17(2) perquisite tax and Section 80-IAC deferral rules need surgical precision to maximize wealth retention.

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Company Compliance

8 articles

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Featured24 Jul 2026

DPT-3 due 31 July 2026? The MCA fire-relief extension founders are dangerously misreading

A founder reads "MCA extended DPT-3 to 31 July 2026" and assumes two things — that she has an extra month, and that DPT-3 does not apply because her company never took deposits. Both are wrong, and both are expensive. General Circular 02/2026, issued after the 5 June MCA data-centre fire, does not move the statutory 30 June due date; it only waives the Section 403 additional fee if you file by 31 July. And DPT-3 is an annual return for every company except government companies — it captures director loans, inter-corporate loans, and share application money as "exempted deposits", not just public deposits. This piece explains what the form actually requires, the exact penalties that revive on 1 August (up to 12x fee plus Rule 21 penalties), and a step-by-step filing checklist to close before the window shuts.

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12 Jul 2026

ESOP dilution during funding rounds: What the Companies Act actually requires to protect your employee pool

A founder closes a Series A and discovers the 10% ESOP pool she promised her team has quietly shrunk to 6% — and that un-vested employees walked away with nothing. ESOP dilution is not a spreadsheet detail; it is governed by Section 62 of the Companies Act 2013 and Rule 12 of the Share Capital and Debentures Rules. This guide explains what the pool actually is (an authorisation, not issued capital), why a funding round dilutes it, the exact resolutions and MCA filings required — MGT-14, SH-7, PAS-3 within 30 days — the penalties for missing them, and the MCA21 v3 flags that a mismatched cap table triggers. It closes with a practical step-by-step to negotiate a pre-money pool top-up, protect vesting employees contractually, and reconcile before annual filing.

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11 Jul 2026§ 42

"We'll do a SAFE or convertible note": What the Companies Act and FEMA actually require in India

A US-style SAFE or convertible note is not a recognised instrument under the Companies Act 2013, and FEMA's real "Convertible Note" is a narrow, DPIIT-startup-only, ₹25 lakh-floor tool most companies cannot use. Here is what foreign investment into an Indian Pvt Ltd actually requires: the right instrument (CCPS, CCDs, or a valid Convertible Note), a fair-value price, a Section 42 private placement, and RBI reporting within 30 days — or a compounding application later.

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10 Jul 2026§ 137

MCA just extended your compliance deadline to 31 August: what the CCFS-2026 relief scheme actually covers

On 8 July 2026, MCA General Circular No. 03/2026 pushed the CCFS-2026 closing date from 15 July to 31 August 2026 — a six-week extension of the concessional 10% additional-fee window for overdue AOC-4, MGT-7/7A and ADT-1 filings, prompted by the 5 June data-centre fire. But the extension is narrower than it looks: it does not cover DPT-3 (due 31 July), does not touch event-based forms, and does not reset your statutory due dates. Here is exactly what the scheme covers under Sections 92, 137 and 139, the MCA21 v3-only reality from 1 July, and the step-by-step filing sequence to regularise your company before the window shuts on 31 August 2026.

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Fdi Setup

4 articles

Featured24 Jul 2026

"The NDI Rules govern my India investment": What RBI's draft FEMA Foreign Investment Rules 2026 actually change

RBI's draft Foreign Investment Rules 2026 will replace the NDI Rules 2019 — what changes, what stays, and what foreign founders should do now.

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10 Jul 2026§ 90(2) of the Income Tax Act, 1961

"A Transfer Pricing Dispute in India Ends in Indian Courts": Why MAP Under DTAA Is the Bilateral Exit Most Foreign Groups Miss

When Indian tax authorities raise a transfer pricing adjustment, most foreign groups assume the fight is purely domestic. India's DTAAs include a MAP (Mutual Agreement Procedure) channel — Article 25 — that lets your home-country tax authority negotiate directly with CBDT to eliminate double taxation. The window is 3 years from the first TP adjustment notice; missing it forecloses bilateral relief permanently.

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8 Jul 2026§ 92(1)

"It's just a cost reimbursement, not income": What Indian transfer pricing law actually requires for cost-sharing agreements

Foreign groups assume shared costs split "at cost" are tax-safe in India. They aren't — Section 92 tests every allocation.

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6 Jul 2026§ 94B

"We'll just lend the Indian subsidiary money at whatever rate": What FEMA and transfer pricing actually require on intercompany loans

A parent-to-subsidiary loan into India is priced by two regulators at once: RBI's ECB all-in-cost ceiling and transfer pricing's arm's length rule.

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Nri Tax

7 articles

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Featured12 Jul 2026

"A Power of Attorney lets me sell my Indian property tax-free from abroad": What the law actually says

NRIs are told a Power of Attorney lets a relative sell their Indian flat with no tax and no paperwork. In reality a POA is an execution tool, not a tax shelter: capital gains, Section 195 TDS, registration under the Registration Act, and Form 145/146 all still apply. Here is what the law actually requires.

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11 Jul 2026§ 56(2)(x)

"Gifts to family in India are always tax-free": What ITA 2025 actually says about NRI gift tax

Gift tax in India sits on the recipient, not the giver — and for NRIs, the answer depends entirely on which direction money or assets move. Sending funds to close family in India (parents, siblings, spouse) is fully exempt under ITA 2025 Section 92, with no ceiling. Receiving Indian assets from a non-relative can trigger full slab-rate tax in your hands, a point the 2023 amendment made explicit for non-residents.

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10 Jul 2026§ 56(2)(x)

"A will alone transfers my parent's Indian assets": What the law actually says for NRI heirs

When an NRI parent dies in India, families assume a registered will transfers the property automatically — no court needed. It is one of the costliest estate misunderstandings. A will, probate, a succession certificate and a legal heir certificate are four different instruments, each for a different asset type, and confusing them freezes flats and locks demat accounts for years. This guide maps the right instrument to each asset — immovable property never needs a succession certificate; movable financial assets of an intestate person usually do — and covers the tax layer NRIs miss: inheritance is tax-free, but Section 195 TDS on a later sale and the USD 1 million repatriation cap are where heirs lose money.

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9 Jul 2026§ 194

"The buyer only deducts 1% TDS": What ITA 2025 actually says about NRIs selling ancestral property

Your relatives sold their flat and the buyer deducted just 1% TDS — so you assume the same applies to your inherited house. It does not. When an NRI sells ancestral property, the buyer deducts under Section 195 on the full sale price, not the gain. Here is the real law, the Form 128 certificate that fixes it, and the USD 1 million repatriation route under ITA 2025.

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Sebi

1 article

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