Homepage — PaisaSeekho

Follow

Follow

The 20x rule rent vs buy idea helps you decide if you should buy or rent a home. Learn how it works, with real examples from Indian cities.

The 20x rule rent vs buy idea helps you decide if you should buy or rent a home. Learn how it works, with real examples from Indian cities.

Real Estate

20x Rule Explained: Property Price Test for Rent vs Buy

byTeam Paisaseekho

AIS shows your income and transactions in over 50 categories. Here is a simple, AIS Categories list guide on what each major category means.

AIS shows your income and transactions in over 50 categories. Here is a simple, AIS Categories list guide on what each major category means.

Income Tax

AIS Categories List: What Each One Means

Here is a simple, step-by-step guide on how to download AIS Statement from the Income Tax portal, including password & common problems fixed.

Here is a simple, step-by-step guide on how to download AIS Statement from the Income Tax portal, including password & common problems fixed.

How To

How to Download AIS Statement: Step-by-Step Guide 2026

Latest

Our TIS explained with examples guide takes you through everyhing. Learn how it works with real examples, so your ITR filing goes smoothly.

Our TIS explained with examples guide takes you through everyhing. Learn how it works with real examples, so your ITR filing goes smoothly.

Income Tax

TIS Explained with Examples for 2026

RRB Technician recruitment 2026 is announced. Apply online 30 June to 29 July 2026. Get the full eligibility, salary, and exam plan here.

RRB Technician recruitment 2026 is announced. Apply online 30 June to 29 July 2026. Get the full eligibility, salary, and exam plan here.

Earning More

RRB Technician Recruitment 2026: 6,557 Vacancies + Your Plan

byTeam Paisaseekho

Step 1: Open a Demat and Trading Account If you already have a demat account, maybe you already invest in shares or mutual funds, you can skip this step and use the same account. If you do not have one, here is how to open it: Choose a broker. Popular choices in India include Zerodha, Groww, Upstox, ICICI Direct, HDFC Securities, and Angel One. Download the broker's app or visit their website. Fill in your details and complete the KYC, Know Your Customer, process. You will need your PAN card, Aadhaar card, a bank account, and sometimes a short selfie video. Some brokers charge a small one-time fee to open the account. Many offer free account opening. Your account is usually ready within 24 to 48 hours. Step 2: Add Money to Your Trading Account Once your account is open, link your bank account to it. You can add money using net banking or UPI, just like you would top up any other app. You do not need to add a huge amount. Gold ETF units can cost as little as ₹100 to ₹135 each, depending on the fund. So even ₹500 to ₹1,000 is enough to get started. Step 3: Search for the Gold ETF You Want to Buy Open your broker's app and use the search bar to look for a Gold ETF. Each fund has its own short code, called a ticker symbol. For example: GOLDBEES is Nippon India ETF Gold BeES HDFCGOLD is HDFC Gold ETF SETFGOLD is SBI Gold ETF Step 4: Place Your Buy Order Once you have picked the fund, you place a buy order, the same way you would buy a stock. Tap "Buy" on the fund's page. Enter the number of units you want to buy. If you want to invest ₹5,000 and the unit price is ₹125, you can buy about 40 units. Choose your order type: Market order: buys immediately at the current price. Simple and quick, good for small purchases. Limit order: you set the highest price you are willing to pay. The order only goes through if the price is at or below what you set. This gives you more control, especially for larger purchases. Confirm the order. That is it. Your order gets placed during market hours, which are 9:15 AM to 3:30 PM on trading days. Step 5: Check Your Holding After your order goes through, the units are added to your demat account. This can take up to two working days to fully settle, though most brokers show the units in your account right away. You can check your holdings anytime by opening your broker's app and looking at your portfolio or holdings section. The value will move up or down slightly every day, following the price of gold.

Step 1: Open a Demat and Trading Account If you already have a demat account, maybe you already invest in shares or mutual funds, you can skip this step and use the same account. If you do not have one, here is how to open it: Choose a broker. Popular choices in India include Zerodha, Groww, Upstox, ICICI Direct, HDFC Securities, and Angel One. Download the broker's app or visit their website. Fill in your details and complete the KYC, Know Your Customer, process. You will need your PAN card, Aadhaar card, a bank account, and sometimes a short selfie video. Some brokers charge a small one-time fee to open the account. Many offer free account opening. Your account is usually ready within 24 to 48 hours. Step 2: Add Money to Your Trading Account Once your account is open, link your bank account to it. You can add money using net banking or UPI, just like you would top up any other app. You do not need to add a huge amount. Gold ETF units can cost as little as ₹100 to ₹135 each, depending on the fund. So even ₹500 to ₹1,000 is enough to get started. Step 3: Search for the Gold ETF You Want to Buy Open your broker's app and use the search bar to look for a Gold ETF. Each fund has its own short code, called a ticker symbol. For example: GOLDBEES is Nippon India ETF Gold BeES HDFCGOLD is HDFC Gold ETF SETFGOLD is SBI Gold ETF Step 4: Place Your Buy Order Once you have picked the fund, you place a buy order, the same way you would buy a stock. Tap "Buy" on the fund's page. Enter the number of units you want to buy. If you want to invest ₹5,000 and the unit price is ₹125, you can buy about 40 units. Choose your order type: Market order: buys immediately at the current price. Simple and quick, good for small purchases. Limit order: you set the highest price you are willing to pay. The order only goes through if the price is at or below what you set. This gives you more control, especially for larger purchases. Confirm the order. That is it. Your order gets placed during market hours, which are 9:15 AM to 3:30 PM on trading days. Step 5: Check Your Holding After your order goes through, the units are added to your demat account. This can take up to two working days to fully settle, though most brokers show the units in your account right away. You can check your holdings anytime by opening your broker's app and looking at your portfolio or holdings section. The value will move up or down slightly every day, following the price of gold.

Gold, Silver

How to Buy Gold ETFs Through a Demat Account?

byTeam Paisaseekho

Tax

Wondering How to Correct Errors in Form 26AS? Learn the correction steps, 5 correction categories and the new 2026 time limits.

Wondering How to Correct Errors in Form 26AS? Learn the correction steps, 5 correction categories and the new 2026 time limits.

Income Tax

How to Correct Errors in Form 26AS?

Wondering How to Correct Errors in Form 26AS? Learn the correction steps, 5 correction categories and the new 2026 time limits.

byTeam Paisaseekho

How Do You Actually File Form 27EQ? The filing process closely parallels the TDS return process covered in our earlier articles on Form 24Q, Form 26Q, and Form 27Q, since all of these returns share the same underlying utility and portal infrastructure. Step 1: Collect TCS from the buyer at the prevailing rate, at the time of the transaction or receipt of payment, as applicable to the specific category. Step 2: Deposit the TCS using Challan ITNS 281, quoting your TAN, by the 7th of the following month (or 30 April for March collections). Step 3: Prepare Form 27EQ using the Return Preparation Utility (RPU) from Protean eGov (formerly NSDL), entering collector details (TAN, PAN or "PANNOTREQD" for government collectors), collectee details (PAN, name, amount, applicable section, and rate), and challan details (BSR code, deposit date, and amount). Step 4: Validate the file using the File Validation Utility (FVU), checking for PAN format issues, challan mismatches, and missing mandatory fields. Step 5: File the return electronically, signing it digitally or authenticating it using an Electronic Verification Code (EVC), through the TRACES/TIN portal or the Income Tax e-filing portal. Step 6: Issue Form 27D to each buyer within 15 days of the filing due date, once the return is processed.

How Do You Actually File Form 27EQ? The filing process closely parallels the TDS return process covered in our earlier articles on Form 24Q, Form 26Q, and Form 27Q, since all of these returns share the same underlying utility and portal infrastructure. Step 1: Collect TCS from the buyer at the prevailing rate, at the time of the transaction or receipt of payment, as applicable to the specific category. Step 2: Deposit the TCS using Challan ITNS 281, quoting your TAN, by the 7th of the following month (or 30 April for March collections). Step 3: Prepare Form 27EQ using the Return Preparation Utility (RPU) from Protean eGov (formerly NSDL), entering collector details (TAN, PAN or "PANNOTREQD" for government collectors), collectee details (PAN, name, amount, applicable section, and rate), and challan details (BSR code, deposit date, and amount). Step 4: Validate the file using the File Validation Utility (FVU), checking for PAN format issues, challan mismatches, and missing mandatory fields. Step 5: File the return electronically, signing it digitally or authenticating it using an Electronic Verification Code (EVC), through the TRACES/TIN portal or the Income Tax e-filing portal. Step 6: Issue Form 27D to each buyer within 15 days of the filing due date, once the return is processed.

Income Tax

Form 27EQ TCS Returns Explained (2026 Guide)

byTeam Paisaseekho

Our Form 27Q NRI Payments guide explains the grossing up rule, DTAA rates, the property sale exception, due dates, and shift to Form 144.

Our Form 27Q NRI Payments guide explains the grossing up rule, DTAA rates, the property sale exception, due dates, and shift to Form 144.

Income Tax

Form 27Q NRI Payments Explained

byTeam Paisaseekho

This Form 26Q non-salary TDS guide explains sections, due dates for FY 2025-26, the filing process, & new Section 194T partner payments rule.

This Form 26Q non-salary TDS guide explains sections, due dates for FY 2025-26, the filing process, & new Section 194T partner payments rule.

Income Tax

Form 26Q Non-Salary TDS Explained

byTeam Paisaseekho

This Form 24Q TDS on salary guide explains Annexure I, II and III, due dates for FY 2025-26, the filing process, penalties, and Form 138.

This Form 24Q TDS on salary guide explains Annexure I, II and III, due dates for FY 2025-26, the filing process, penalties, and Form 138.

Income Tax

Form 24Q TDS on Salary Explained

byTeam Paisaseekho

Investment

Gold ETF liquidity determines how cheaply and quickly you can buy or sell, independent of the fund's expense ratio. Learn what it means here!

Gold ETF liquidity determines how cheaply and quickly you can buy or sell, independent of the fund's expense ratio. Learn what it means here!

Gold, Silver

Gold ETF Liquidity Explained

Gold ETF liquidity determines how cheaply and quickly you can buy or sell, independent of the fund's expense ratio. Learn what it means here!

byTeam Paisaseekho

Tracking error Gold ETFs measures how much a fund's returns deviate from gold's actual price. Learn the formula, and compare real 2026 numbers

Tracking error Gold ETFs measures how much a fund's returns deviate from gold's actual price. Learn the formula, and compare real 2026 numbers

Gold, Silver

Tracking Error Gold ETFs Explained: Formula & Fund Comparison

byTeam Paisaseekho

Wondering how gold ETFs track gold prices? Learn how, what tracking error is & why SEBI moved valuation to domestic spot prices in 2026.

Wondering how gold ETFs track gold prices? Learn how, what tracking error is & why SEBI moved valuation to domestic spot prices in 2026.

Gold, Silver

How Gold ETFs Track Gold Prices (2026 Explanation)

byTeam Paisaseekho

Our Gold Portfolio Rebalancing Strategy guide shows the calendar, threshold, hybrid rebalancing methods, and the 5/25 rule for gold for 2026.

Our Gold Portfolio Rebalancing Strategy guide shows the calendar, threshold, hybrid rebalancing methods, and the 5/25 rule for gold for 2026.

Gold, Silver

Gold Portfolio Rebalancing Strategy Explained for 2026

byTeam Paisaseekho

Understand the benefits of gold vs US stocks for Indian investors, along with the real return, tax, currency and access comparison for 2026.

Understand the benefits of gold vs US stocks for Indian investors, along with the real return, tax, currency and access comparison for 2026.

Gold vs US Stocks for Indian Investors

byTeam Paisaseekho

Personal Finance

RBI Integrated Ombudsman Scheme took effect July 1, 2026, offering compensation up to ₹30 lakh for loss. Learn how to file complaints and more

RBI Integrated Ombudsman Scheme took effect July 1, 2026, offering compensation up to ₹30 lakh for loss. Learn how to file complaints and more

Banking

RBI Integrated Ombudsman Scheme 2026: How to File a Complaint and Get Compensation

RBI Integrated Ombudsman Scheme took effect July 1, 2026, offering compensation up to ₹30 lakh for loss. Learn how to file complaints and more

byTeam Paisaseekho

RBI credit card rules 2026 from July 1 include HDFC & SBI card benefits change, weekly credit score updates & disaster relief. Learn more

RBI credit card rules 2026 from July 1 include HDFC & SBI card benefits change, weekly credit score updates & disaster relief. Learn more

Banking

RBI Credit Card Rules 2026: What’s Changing from July 1 and What’s Coming Next

byTeam Paisaseekho

Health insurance premium India in 2026 start from ₹5,000/year for a 30-year-old with ₹5 lakh cover. Learn how to reduce your premiums legally

Health insurance premium India in 2026 start from ₹5,000/year for a 30-year-old with ₹5 lakh cover. Learn how to reduce your premiums legally

Insurance

Health Insurance Premium India 2026 Guide: How Much Should You Pay and How to Reduce It

byTeam Paisaseekho

NPS changes july 2026

NPS changes july 2026

Retirement Planning

NPS Changes from July 1, 2026: What Every Subscriber Needs to Know

byTeam Paisaseekho

A credit line on UPI lets you borrow money instantly and pay merchants using your UPI app, even when your bank account balance is zero. Learn how it works, eligibility, costs, and whether it is right for you.

A credit line on UPI lets you borrow money instantly and pay merchants using your UPI app, even when your bank account balance is zero. Learn how it works, eligibility, costs, and whether it is right for you.

Banking

What Is a Credit Line on UPI?

byTeam Paisaseekho

Calculators

Use this simple interest calculator to understand your finances and never let anyone cheat you during a loan!

Use this simple interest calculator to understand your finances and never let anyone cheat you during a loan!

Calculators

The Ultimate Simple Interest Calculator: Master Your Money

Use this simple interest calculator to understand your finances and never let anyone cheat you during a loan!

byTeam Paisaseekho

Simple Interest Calculator

Simple Interest Calculator

Calculators

Simple Interest Calculator 2025 [Easy SI Formula Tool]

byTeam Paisaseekho

Use this free NSC calculator to estimate your maturity amount in seconds. Enter investment and interest rate to see total returns on National Savings Certificates.

Use this free NSC calculator to estimate your maturity amount in seconds. Enter investment and interest rate to see total returns on National Savings Certificates.

Calculators

Free NSC Calculator [National Savings Certificate Returns]

byTeam Paisaseekho

Estimate returns on Step-Up SIPs instantly. Use this free Step-Up SIP calculator to see how increasing your SIP yearly can accelerate wealth.

Estimate returns on Step-Up SIPs instantly. Use this free Step-Up SIP calculator to see how increasing your SIP yearly can accelerate wealth.

Calculators

Step-Up SIP Calculator 2025 [Increase SIP & Grow Wealth]

byTeam Paisaseekho

Calculate your gratuity instantly using the latest 2025 rules. Gratuity calculator is updated for the new ₹25 lakh tax-exempt limit and free.

Calculate your gratuity instantly using the latest 2025 rules. Gratuity calculator is updated for the new ₹25 lakh tax-exempt limit and free.

Calculators

Free Gratuity Calculator India [Updated ₹25 Lakh Rules]

byTeam Paisaseekho