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Disclaimer
ASHA PaisaGyan कोई registered investment advisor नहीं है।
Educational Purpose Only
इस website पर दी गई सारी content — articles, tutorials, calculators, glossary — सिर्फ educational और informational purposes के लिए है। यह content investment advice, financial advice, या legal advice नहीं है।
No Investment Advice
हम किसी भी specific stock, mutual fund, या financial product को recommend नहीं करते। कोई भी example सिर्फ समझाने के लिए दिए जाते हैं — actual investment decisions के लिए नहीं।
Market Risk
सारे investments market risk के subject हैं। Past returns future returns की guarantee नहीं देते। Investments में losses भी हो सकता है।
Consult a Professional
कोई भी major financial decision लेने से पहले एक qualified financial advisor से मिलें जो आपकी personal situation को समझकर advice दे सके।
SEBI Registered Advisors की list के लिए: sebi.gov.in
स्रोत और संदर्भ · Sources & References
आखिरी समीक्षा / Last reviewed: 5 Oct 2026 · 190 लिंक
ASHA PaisaGyan एक शैक्षणिक वेबसाइट है। हम नियम, दरें और सीमाएँ समझाने के लिए SEBI, RBI, इनकम टैक्स विभाग, NSE, BSE, AMFI, IRDAI, नेशनल सेविंग्स इंस्टीट्यूट, इंडिया पोस्ट और EPFO जैसे आधिकारिक स्रोतों का उपयोग करते हैं। यह पेज उन पेजों की सूची देता है ताकि आप मूल पाठ खुद पढ़ सकें।
ASHA PaisaGyan is an educational website. We explain rules, rates and limits using official sources such as SEBI, RBI, the Income Tax Department, NSE, BSE, AMFI, IRDAI, the National Savings Institute, India Post and EPFO. This page lists the pages we relied on, so you can read the original text yourself.
- लिंक संबंधित वेबसाइट को नए टैब में खोलते हैं। उन वेबसाइटों पर हमारा नियंत्रण नहीं है; वे बदल सकती हैं, हट सकती हैं या बंद हो सकती हैं, और यहाँ सूची में होना किसी तरह का समर्थन नहीं है।
Links open the owner’s website in a new tab. We do not control those websites; they can change, move or go offline, and listing a site here is not an endorsement. - नियम, टैक्स स्लैब, ब्याज दरें और सीमाएँ अक्सर बदलती हैं, आम तौर पर हर बजट, 1 अप्रैल या नए सर्कुलर के साथ। हमारे पेज उस समय की स्थिति बताते हैं जब हमने उन्हें आखिरी बार जाँचा था।
Rules, tax slabs, interest rates and limits change often, usually at each Budget, from 1 April, or through new circulars. Our pages show the position when we last reviewed them. - अगर हमारे लिखे में और आधिकारिक पेज में फर्क हो, तो आधिकारिक पेज सही माना जाए। कृपया Contact पेज से हमें बताएँ ताकि हम सुधार सकें।
If our text and the official page differ, the official page is correct. Please tell us through the Contact page so we can fix it.
इनकम टैक्स (Income-tax Act 2025 और ई-फाइलिंग) · Income tax (Income-tax Act 2025 and e-filing)42
Income-tax Act, 2025 एक अप्रैल 2026 से लागू है और 1961 वाले कानून की जगह लेता है; धाराओं के नंबर बदल गए हैं (जैसे 80C अब सेक्शन 123 है)। आधिकारिक सेक्शन पेज नीचे दिए हैं।
Income-tax Act, 2025 came into force on 1 April 2026 and replaced the 1961 Act; section numbers changed (for example 80C is now section 123). The official section pages are linked below.
Income-tax Act, 2025 came into force on 1 April 2026 and replaced the 1961 Act; section numbers changed (for example 80C is now section 123). The official section pages are linked below.
- Income-tax Act, 2025 — Section 1 (short title and commencement)
- Income-tax Act, 2025 (as amended by the Finance Act, 2026) — full text
- Income-tax Bill 2025 navigator (old section to new section)
- Section 202 — new tax regime slabs and opt-out (old 115BAC)
- Section 202 — new tax regime (alternate page)
- Computation of tax for an individual
- Section 156 — rebate (old 87A)
- Section 19 — standard deduction
- Brief on the Budget (Income Tax Department)
- PIB — Union Budget 2025-26: income-tax changes
- Section 123 — deduction up to ₹1.5 lakh (old 80C)
- Schedule XV — eligible investments and payments for section 123
- Deposit instruments included in section 80C
- Section 124 — NPS contributions (old 80CCD)
- Section 126 — health insurance premium (old 80D)
- Section 153 — interest on deposits (old 80TTA and 80TTB)
- Tax benefits of life insurance, health insurance and medical expenditure
- Are receipts from life insurance policies on maturity taxable?
- Schedule II — incomes not included in total income (old 10(10D))
- Section 22 — income from house property
- Section 24 (1961 Act) — deductions from house-property income
- Section 71 — set-off of house-property loss
- Section 71B — carry-forward of house-property loss
- Section 196 — short-term capital gains on equity (old 111A)
- Section 196 — short-term capital gains (alternate page)
- Section 197 — long-term capital gains (old 112)
- Section 198 — long-term capital gains on equity (old 112A)
- Section 111A (1961 Act) — short-term gains on equity
- Section 112A (1961 Act) — long-term gains on equity
- Section 50AA (1961 Act) — specified mutual funds
- Section 50AA — specified mutual funds (alternate page)
- Sale of shares — tax treatment
- Section 393 — tax deducted at source (TDS)
- Section 393 — TDS tables (alternate page)
- Section 43 — speculative transaction (intraday) and derivatives
- Is a minor child’s income clubbed with the parent’s income?
- Income-tax Rules, 2026 — rule 279 (HRA exemption)
- Income Tax Department notification — ELSS 2005
- New vs old tax regime — FAQs
- New vs old regime — FAQs (PDF)
- Which ITR form applies (assessment year 2026-27)
- Income Tax e-filing portal
IPO और प्राइमरी मार्केट · IPO and primary market10
पब्लिक इश्यू, अलॉटमेंट, एंकर निवेशक और SME IPO के नियम SEBI और स्टॉक एक्सचेंज से।
Rules for public issues, allotment, anchor investors and SME IPOs from SEBI and the stock exchanges.
Rules for public issues, allotment, anchor investors and SME IPOs from SEBI and the stock exchanges.
- SEBI (ICDR) Regulations, 2018 — consolidated text (March 2026)
- SEBI (ICDR) Regulations, 2018 — original text
- SEBI FAQs on public issues (May 2025)
- SEBI board paper (July 2023) — T+3 listing timeline
- SEBI board paper (September 2025) — anchor investor norms
- SEBI board paper (January 2025) — SME IPO norms
- SEBI Investor portal — applying for an IPO through ASBA
- NSE — sample basis-of-allotment document
- NSE Emerge (SME platform) brochure
- NSE — SME (Emerge) eligibility criteria
शेयर बाजार और ट्रेडिंग · Share market and trading7
ट्रेडिंग के समय, सेटलमेंट, प्राइस बैंड, demat और यह जाँचना कि मध्यस्थ रजिस्टर्ड है या नहीं।
Trading hours, settlement, price bands, demat and how to check that an intermediary is registered.
Trading hours, settlement, price bands, demat and how to check that an intermediary is registered.
म्यूचुअल फंड और SIP · Mutual funds and SIP14
NAV, कट-ऑफ टाइम, KYC, खर्च अनुपात (expense ratio), ELSS और म्यूचुअल फंड के मुनाफे पर टैक्स।
NAV, cut-off times, KYC, expense ratio, ELSS and the tax treatment of mutual fund gains.
NAV, cut-off times, KYC, expense ratio, ELSS and the tax treatment of mutual fund gains.
- AMFI — investor FAQs (NAV and mutual fund basics)
- AMFI — SIP basics
- AMFI — KYC
- AMFI — cut-off timings
- AMFI — tax corner
- AMFI — tax regime for mutual funds
- AMFI — minor attaining majority
- AMFI portal — scheme document (minimum SIP and lumpsum amounts)
- AMFI portal — scheme document (minimum amounts)
- SEBI FAQs for mutual fund investors (Sept 2024)
- SEBI circular — uniform cut-off timings
- SEBI press release (Dec 2025) — new expense-ratio framework
- SEBI circular (2017) — instant redemption in liquid funds
- SEBI Investor portal — ELSS
छोटी बचत योजनाएँ, PPF, EPF और बैंक जमा · Small savings, PPF, EPF and bank deposits13
सरकारी बचत योजनाएँ, प्रोविडेंट फंड और जमा बीमा।
Government savings schemes, provident funds and deposit insurance.
Government savings schemes, provident funds and deposit insurance.
- National Savings Institute — Public Provident Fund (PPF)
- Sukanya Samriddhi Account Scheme rules
- National Savings Institute — Sukanya Samriddhi
- National Savings Institute — National Savings Certificate (NSC)
- National Savings Institute — NSC (details)
- National Savings Institute — tax benefits on small savings
- India Post — Public Provident Fund Scheme, 2019
- PIB — EPFO reforms (October 2025)
- EPFO — press brief on reforms (October 2025)
- DICGC — frequently asked questions
- DICGC — guide to deposit insurance
- DICGC — information booklet
- RBI — FAQs on interest rates on deposits
लोन और क्रेडिट कार्ड · Loans and credit cards18
होम लोन LTV, प्रीपेमेंट, फ्लोटिंग रेट, क्रेडिट कार्ड शुल्क और क्रेडिट रिपोर्ट पर RBI के नियम।
RBI rules on home-loan LTV, prepayment, floating rates, credit-card charges and credit reports.
RBI rules on home-loan LTV, prepayment, floating rates, credit-card charges and credit reports.
- RBI circular (Oct 2015) — loan-to-value ratio for housing loans
- RBI — Pre-payment Charges Directions, 2025
- RBI press release — pre-payment charges on floating-rate loans
- RBI — reset of floating interest rates on EMI-based loans
- RBI — FAQs on floating-rate reset
- RBI — floating-rate reset, amendment directions (Sept 2025)
- RBI — Key Fact Statement for loans
- RBI — release of original property documents after repayment
- RBI — income recognition and asset classification (NPA)
- RBI — credit card and debit card directions, 2022
- RBI — credit card and debit card directions, 2025
- RBI — credit card and debit card master direction
- RBI — FAQs on credit and debit cards
- RBI — credit card directions, amendment of April 2026
- RBI press release — weekly credit-bureau reporting
- RBI circular — free full credit report once a year
- CIBIL — free credit report
- RBI press release — conduct of recovery agents
इंश्योरेंस · Insurance3
शिकायत के रास्ते, प्रीमियम पर GST और प्रीमियम व क्लेम की रकम पर टैक्स।
Complaint routes, GST on premiums and the tax treatment of premiums and claim money.
Complaint routes, GST on premiums and the tax treatment of premiums and claim money.
निवेशक सुरक्षा और शिकायत · Investor protection and complaints5
कुछ गलत होने पर शिकायत कहाँ करें।
Where to complain if something goes wrong.
Where to complain if something goes wrong.
शिकायत के रास्ते (रिसोर्सेज़ पेज) · Complaints and grievance routes (Resources pages)14
"शिकायत कैसे करें" गाइड के पीछे के आधिकारिक पोर्टल और नियम।
Official complaint portals and rules behind the "How to complain" guides.
Official complaint portals and rules behind the "How to complain" guides.
- RBI — press release on the Ombudsman Scheme 2026
- RBI — customer liability in unauthorised electronic transactions
- RBI — NBFC depositors information
- SEBI SCORES — FAQs
- SMART ODR — online dispute resolution
- MF Central
- AMFI — SOP on grievance redressal in mutual funds
- NSE — file a complaint online
- BSE — investor complaints against trading members
- NSDL — investor grievance
- CDSL — investor charter
- IRDAI — grievance cell
- Policyholder portal — insurance ombudsman
- NPCI — UPI dispute redressal mechanism
धोखाधड़ी, ठगी और साइबर शिकायत (रिसोर्सेज़ पेज) · Fraud, scams and cyber complaints (Resources pages)9
ठगी-जागरूकता और पहले घंटे वाले पेजों के पीछे के आधिकारिक चैनल और चेतावनियाँ।
Official fraud-reporting channels and advisories behind the scam-awareness and first-hour pages.
Official fraud-reporting channels and advisories behind the scam-awareness and first-hour pages.
- National Cyber Crime Reporting Portal (helpline 1930)
- Citizen guide — reporting cyber financial frauds
- RBI Sachet — unregulated deposit and lender check
- Sanchar Saathi — report fraud calls and SIMs
- SEBI — fake trading app scam landscape
- SEBI — caution to investors
- SEBI — dos and don'ts for investors
- NSE — advisory for investors
- NPCI — BHIM UPI guidelines 2026
आधिकारिक पोर्टल, दस्तावेज़ और छोटी बचत (रिसोर्सेज़ पेज) · Official portals, documents and small savings (Resources pages)15
आधिकारिक-वेबसाइट गाइड और दस्तावेज़ चेकलिस्ट में इस्तेमाल हुए सरकारी और नियामक पेज।
Government and regulator pages used for the official-websites guides and the document checklists.
Government and regulator pages used for the official-websites guides and the document checklists.
- SEBI Investor website
- SEBI — registered intermediaries
- SEBI Investor — KYC procedure for trading and demat account
- Sukanya Samriddhi Account Scheme, 2019
- Income Tax e-filing — Annual Information Statement (AIS)
- Income Tax e-filing — e-verify your return (FAQ)
- Income Tax e-filing — link Aadhaar (FAQ)
- Form 16 and Form 16A
- NSDL — know your CAS
- EPFO member interface
- NPS — Central Recordkeeping Agency (NSDL)
- UIDAI — Aadhaar
- NISM — investor education
- RBI — financial education
- NSE — investor awareness programmes
अक्टूबर 2026 के नियम-बदलाव (रिसोर्सेज़ पेज) · Rule changes of October 2026 (Resources page)4
"नियम-बदलाव" डाइजेस्ट के पीछे के मूल नोटिस। तारीखें बदल सकती हैं, इसलिए आधिकारिक पेज देखें।
Primary notices behind the "Rule changes" digest. Dates can be revised, so please check the official page.
Primary notices behind the "Rule changes" digest. Dates can be revised, so please check the official page.
- SEBI circular — modified norms for nomination in demat accounts and mutual fund folios
- SEBI circular — categorisation and rationalisation of mutual fund schemes
- RBI — press release on limiting customer liability in digital transactions (24 June 2026)
- NPCI — FAQs on merchant discount rate on select UPI transactions
दरें और नियम पेज · Rates & Rules page8
/rates-and-rules पेज के आँकड़ों के आधिकारिक पेज। इनकम टैक्स की धाराओं के पेज ऊपर इनकम टैक्स समूह में और छोटी बचत/जमा बीमा के पेज ऊपर बचत समूह में हैं। “रिपोर्ट के अनुसार” वाले आँकड़े समाचार या द्वितीयक स्रोत से हैं क्योंकि आधिकारिक तालिका खोली नहीं जा सकी।
Official pages behind the figures on /rates-and-rules. Income-tax section pages are listed in the Income tax group above; small-savings and deposit-insurance pages are in the savings group above. Figures marked "reported" on that page come from news or secondary sources because the official table could not be opened.
Official pages behind the figures on /rates-and-rules. Income-tax section pages are listed in the Income tax group above; small-savings and deposit-insurance pages are in the savings group above. Figures marked "reported" on that page come from news or secondary sources because the official table could not be opened.
- RBI — Monetary Policy Committee resolution (5 August 2026)
- RBI — Governor’s statement (5 August 2026)
- RBI — MPC meeting schedule for 2026-27
- RBI website — policy rates box (CRR, SLR)
- Section 76 — specified mutual funds (old 50AA)
- PIB — EPFO Central Board of Trustees decisions (2 March 2026)
- PIB — EPF wage ceiling raised to ₹25,000 (September 2026)
- PIB — PFRDA amendments to NPS exit and withdrawal rules (December 2025)
Scam Alert पेज · Scam Alert page9
/scam-alerts के पीछे के आधिकारिक रिपोर्टिंग चैनल और चेतावनियाँ। बाकी शिकायत पेज (cybercrime.gov.in, Sanchar Saathi, SEBI SCORES, RBI Ombudsman, NPCI UPI विवाद, IRDAI Bima Bharosa) ऊपर के समूहों में हैं।
Official reporting channels and advisories behind /scam-alerts. Other fraud-reporting pages (cybercrime.gov.in, Sanchar Saathi, SEBI SCORES, RBI Ombudsman, NPCI UPI disputes, IRDAI Bima Bharosa) are in the groups above.
Official reporting channels and advisories behind /scam-alerts. Other fraud-reporting pages (cybercrime.gov.in, Sanchar Saathi, SEBI SCORES, RBI Ombudsman, NPCI UPI disputes, IRDAI Bima Bharosa) are in the groups above.
- RBI — directory of digital lending apps (announcement)
- PIB — cyber fraud reporting system and Suspect Registry (24 March 2026)
- PIB — Sanchar Saathi and Chakshu (5 February 2026)
- SEBI Check — verify an intermediary’s UPI ID and bank account
- SEBI SCORES — investor toll-free helpline
- TRAI — unsolicited commercial communication (DND and spam reporting)
- Income Tax Department — report phishing
- CERT-In — Indian Computer Emergency Response Team
- IRDAI Bima Bharosa — call centre and complaints
साइट पर दिखने वाला लाइव डेटा · Live data shown on the site5
IPO सूची, इंडेक्स के स्तर, म्यूचुअल फंड NAV और लिस्टिंग-डे प्राइस नीचे दिए स्रोतों से आते हैं। डेटा में देरी हो सकती है या वह आधिकारिक आंकड़े से अलग हो सकता है; अंतिम रिकॉर्ड एक्सचेंज या फंड हाउस का ही माना जाए। IPO के लिए NSE का डेटा मुख्य स्रोत है।
IPO lists, index levels, mutual fund NAVs and listing-day prices come from the sources below. Data can be delayed or differ from the official figure; the exchange or fund house record is final. For IPOs, NSE data is treated as the primary source.
IPO lists, index levels, mutual fund NAVs and listing-day prices come from the sources below. Data can be delayed or differ from the official figure; the exchange or fund house record is final. For IPOs, NSE data is treated as the primary source.
कैलकुलेटर के संदर्भ · Calculator references14
हमारे कैलकुलेटर पेजों पर बताए गए सरकारी पोर्टल।
Government portals referred to on our calculator pages.
Government portals referred to on our calculator pages.
- Income Tax e-filing portal
- SEBI
- NSE India
- NSE circular on transaction charges (27 Feb 2026)
- BSE India
- Reserve Bank of India
- Employees’ Provident Fund Organisation (EPFO)
- NPS Trust
- India Post (small savings)
- National Savings Institute
- GST Portal
- CBIC — Central Board of Indirect Taxes and Customs
- Inspector General of Registration, Maharashtra
- Delhi e-District portal
Important: this website is for education only. Nothing here is investment, tax, legal or insurance advice. Before you act, check the current rule on the official page and, if needed, speak to a SEBI-registered adviser, a chartered accountant or another qualified professional.
ज़रूरी: यह वेबसाइट सिर्फ शिक्षा के लिए है। यहाँ की कोई भी बात निवेश, टैक्स, कानूनी या बीमा की सलाह नहीं है। कोई कदम उठाने से पहले आधिकारिक पेज पर मौजूदा नियम जाँच लें और ज़रूरत हो तो SEBI-रजिस्टर्ड सलाहकार, चार्टर्ड अकाउंटेंट या अन्य योग्य विशेषज्ञ से पूछें।