MCalci Blog
Expert guides on Indian personal finance — EMI, SIP, GST, taxes and more.
What is EMI? How EMI is Calculated in India
Learn how Equated Monthly Instalments work, the formula behind EMI calculations, and how reducing vs flat rate loans differ.
SIP vs Lumpsum Investment: Which is Better?
A detailed comparison of systematic investment plans and lumpsum investing across market cycles, with real return examples.
GST in India: Complete Guide for 2024-25
Understand CGST, SGST, IGST, input tax credit, GST slabs (0%, 5%, 12%, 18%, 28%), and how to calculate your GST liability.
Income Tax Slabs FY 2024-25: Old vs New Regime Compared
Side-by-side comparison of the old and new tax regimes, with worked examples showing which regime saves more tax at every income level.
FD vs RD vs SIP: Which Investment is Best for You?
Compare Fixed Deposits, Recurring Deposits, and Mutual Fund SIPs on returns, risk, liquidity, and tax efficiency.
PPF Account: Benefits, Interest Rate & Withdrawal Rules
Everything you need to know about the Public Provident Fund — how to open, maximize returns, claim early withdrawals, and use it for 80C.
NPS vs PPF: Best Retirement Investment in India
An in-depth comparison of the National Pension Scheme and PPF for long-term retirement planning, tax benefits, and withdrawal flexibility.
HRA Exemption: How to Calculate and Claim Tax Benefit
Step-by-step guide to calculating your House Rent Allowance exemption using the three-formula method, with examples for metro and non-metro cities.
Capital Gains Tax in India: STCG vs LTCG Explained
Understand Short-Term and Long-Term Capital Gains tax rates for equity, debt, property, and gold with FY 2024-25 rules.
Retirement Planning in India: How Much Corpus Do You Need?
A complete framework for calculating your retirement corpus using the 25x rule, safe withdrawal rate, and inflation adjustment for Indian retirees.