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basudha das
Basudha Das

Basudha Das

tvtn

basudha.das@aajtak.com

With over 16 years of experience in the newsroom, I am currently covering personal finance, banking, financial services, and insurance sector, bullion and metals, sports, and other trending topics. When not chasing interest rates and new-age investment tools, I like to follow and cover climate change trends and environment-friendly initiatives across the world. When not at work, I spend time learning Bharatnatyam from my guru, and baking from my daughter.

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The new tax regime offers lower slab rates but limits exemptions—yet allows key deductions like employer NPS and standard deduction.

Smart salary tweaks unlock Rs 3.75 lakh in tax savings — even under New Tax Regime; check calculations

by Basudha Das |Jun 7, 2025

Big tax savings are possible—even under the no-exemptions new regime. A case study shows how a Rs 50 lakh salaried employee legally cut taxes by Rs 3.75 lakh through NPS optimisation and better invest...

Maintaining the same EMI after the rate cut can reduce total interest outgo by over ₹31 lakh on a ₹1 crore loan.

From Rs 1.08 crore to Rs 77 lakh: How smart borrowers are saving big after RBI’s rate cut

by Basudha Das |Jun 6, 2025

Home loan borrowers have a big reason to cheer in 2025 as the RBI slashed the repo rate by 100 basis points so far this year. The latest 50-bps cut, along with a 100-bps CRR reduction, is set to lower...

Delhi and its neighbouring cities were recently battered by sudden dust storms and gusty winds, damaging homes, vehicles, and infrastructure. The chaotic weather has reignited concerns over India’s vulnerability to natural disasters.

Thunderstorm damage in Delhi: What’s covered under your home and motor insurance?

by Basudha Das |Jun 5, 2025

Natural disasters cause India losses of up to 2% of GDP annually, yet insurance coverage remains low. The recent storms in Delhi-NCR have reignited debate over how well-protected individuals and busin...

Financial experts adviced redirecting funds into targeted investments crafting a resilient, goal-aligned portfolio that adapts to life’s evolving needs.

Early retirement, child’s education or rental income? Here's how a couple is planning their next big financial move 

by Basudha Das |Jun 4, 2025

With a home loan nearly repaid and a new baby in the family, a Mumbai couple is rethinking their financial priorities. Instead of rushing to close the loan, experts suggest channeling funds toward goa...

NRI investors betting on Indian startups and unlisted shares are in for major tax relief.

NRI investors to save more: New tax clause offers relief to NRIs investing in Indian startups, unlisted equity shares

by Basudha Das |Jun 4, 2025

The 2025 Income Tax Bill introduces a new clause that allows capital gains to be calculated in foreign currency, accounting for forex fluctuations. Experts say the move could reduce long-term capital ...

The Excel utility is now available for both ITR-1 (Sahaj) and ITR-4 (Sugam).

Filing ITR-1 or ITR-4 online enabled: Prefilled data, LTCG option, regime switch added

by Basudha Das |Jun 4, 2025

The Income Tax Department has activated online filing for ITR-1 and ITR-4 for AY 2025–26, featuring prefilled data and updated forms. Taxpayers now have until September 15, 2025 to submit their return...

Under Section 244A of the Income Tax Act, taxpayers are entitled to simple interest at 0.5% per month (6% annually) on refunds due to them. Normally, returns filed by the standard July 31 deadline start accruing interest until the refund is issued.

Sending money to India? New US tax could cost NRIs Rs 2,900 per Rs 83,000 transfer

by Basudha Das |Jun 3, 2025

Remittances from the US could soon carry an added cost for immigrants, including NRIs and visa holders. A proposed 3.5% excise tax, passed by the US House as part of the “One Big Beautiful Bill,” has ...

In one month,  the Nifty India Defence Index TRI surged 22% as of May 23, 2025. In comparison, the Nifty 500 TRI managed a modest 3% gain during the same timeframe.

Defence funds are exploding with 60% gains — too late to invest or just the beginning?

by Basudha Das |May 31, 2025

Defence mutual funds have emerged as the hottest theme on BSE and NSE, delivering up to 60% returns in just three months. Backed by record defence exports, strong government orders, and rising geopol...

In ITR-1, a new dropdown option has been added under ‘Exempt Income’ to report LTCG under Section 112A.

ITR filing alert 2025-26: Excel utilities for ITR-1, ITR-4 now support LTCG, rent receipts, new tax regime

by Basudha Das |May 31, 2025

The Income Tax Department has rolled out updated Excel utilities for ITR-1 and ITR-4 for AY2025–26. These forms now support exempt LTCG reporting, rent deduction under 80GG, and regime continuity che...

Currently, NRIs do not enjoy this benefit when selling unlisted shares. This often results in inflated taxable gains when the INR weakens significantly during the holding period.

NRI taxation: NRIs can save up to 72% tax from forex-adjusted capital gains on unlisted shares; check how it works

by Basudha Das |May 31, 2025

Unlike the earlier regime under the Income Tax Act, 1961, which required NRIs to compute capital gains entirely in Indian Rupees (INR), the proposed Section 72(6) of the new bill allows capital gains ...