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Instantly detect hidden mutual fund overlaps, analyze Q2 corporate earnings, and simulate long-term wealth compounding with 30-year historical return benchmarks.
"The stock market is a device for transferring money from the impatient to the patient."
Analytics Modules
Portfolio X-Ray
Identify portfolio duplication across equity funds before investing.
Q2 Sector Analysis
Deep dive into corporate earnings, revenue growth, and margin trends.
Wealth Engine
Simulate SIP step-up compounding with 30-year historical return benchmarks.
India Growth Story
Macro view on capex, demographic dividends, and manufacturing trends.
Interactive Financial Engine
Simulate long-term wealth compounding with 30-year historical return benchmarks.
Old vs New Tax Regime: Myth vs Truth
FY 2026-27 (AY 2027-28) — verified against Union Budget 2026, unchanged from Budget 2025.
"The new regime is always better — it's the default now, so it must be the smarter choice."
It's the default only because you don't have to actively choose it — not because it's mathematically superior for everyone. If your annual 80C, HRA, and home loan interest deductions add up to roughly ₹3.75–4.25 lakh or more beyond the standard deduction, the old regime can still work out cheaper.
"Income up to ₹12 lakh is tax-free under the new regime, so nothing else matters below that."
The ₹60,000 Section 87A rebate makes tax payable ₹0 up to ₹12 lakh (₹12.75 lakh for salaried, with the ₹75,000 standard deduction) — but this is a rebate, not a change to the slab rates themselves. It doesn't apply to special-rate income like most capital gains, so a salaried investor with large equity gains can still owe tax even under this threshold.
"Once you pick a regime, you're locked into it for life."
Salaried individuals with no business income can switch between the old and new regime every single financial year when filing their return. The one-per-lifetime switching restriction applies only to those with business or professional income.
"ELSS and 80C investments don't matter for tax anymore."
They still fully matter — under the old regime. ELSS, PPF, and other 80C-eligible instruments only reduce your taxable income if you file under the old regime; the new regime doesn't recognise them at all. Choosing a regime should come before deciding your ELSS strategy, not after.
New Regime (default) — Slabs
| Up to ₹4L | Nil |
| ₹4L – ₹8L | 5% |
| ₹8L – ₹12L | 10% |
| ₹12L – ₹16L | 15% |
| ₹16L – ₹20L | 20% |
| ₹20L – ₹24L | 25% |
| Above ₹24L | 30% |
Old Regime — Slabs
| Up to ₹2.5L* | Nil |
| ₹2.5L – ₹5L | 5% |
| ₹5L – ₹10L | 20% |
| Above ₹10L | 30% |
*₹3L for senior citizens (60-80), ₹5L for super-senior (80+)
Sources: Union Budget 2026-27, Income Tax Department, cross-verified via ClearTax, Bajaj Finserv, HDFC Bank commentary (September 2026). This is educational content, not tax advice — please consult a qualified CA for guidance specific to your situation.