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Showing posts from December, 2025

Is Internship Stipend Taxable? How Students Can Claim 100% TDS Refund (Complete Guide)

Imagine this scenario: You land a fantastic part-time work-from-home job or a summer internship. The offer letter says you will be paid ₹15,000 per month . You are thrilled! You already have plans for that money. But when the payment hits your bank account, you only see ₹13,500 . You panic. Where did the remaining ₹1,500 go? Did the company cheat you? Relax. The company didn't cheat you. The government just took a slice called TDS (Tax Deducted at Source) . This silent leak drains millions of rupees from student bank accounts every year because most students assume "I don't earn enough to pay tax, so I can't do anything about it." Don't lose 10% of your stipend to TDS. This cycle shows how filing your ITR (Income Tax Return) legally brings that deducted money back into your pocket. Here is the reality: Just because tax was cut, does...
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Is Internship Stipend Taxable? How Students Can Claim 100% TDS Refund (Complete Guide)

Imagine this scenario: You land a fantastic part-time work-from-home job or a summer internship. The offer letter says you will be paid ₹15,000 per month . You are thrilled! You already have plans for that money. But when the payment hits your bank account, you only see ₹13,500 . You panic. Where did the remaining ₹1,500 go? Did the company cheat you? Relax. The company didn't cheat you. The government just took a slice called TDS (Tax Deducted at Source) . This silent leak drains millions of rupees from student bank accounts every year because most students assume "I don't earn enough to pay tax, so I can't do anything about it." Don't lose 10% of your stipend to TDS. This cycle shows how filing your ITR (Income Tax Return) legally brings that deducted money back into your pocket. Here is the reality: Just because tax was cut, does...
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How Students Can Build a 750+ CIBIL Score Without a Job (Step-by-Step)

Imagine this scenario: You have just graduated. You have the degree, the skills, and perhaps even a freelance gig lined up. You walk into a bank or apply online for a simple credit card, feeling like a responsible adult. Five minutes later, you get a text: " Application Rejected. " You are confused. You have no debt. You have never defaulted on a loan. So why the rejection? The answer is "Credit Invisibility." In the eyes of the financial system, having no credit history is often treated the same as having bad credit history . It’s the classic " freshman paradox ": You need a credit card to build a CIBIL score, but you need a CIBIL score (and a hefty salary slip) to get a credit card. If you are a student or a young adult tired of hitting this invisible wall, this guide is your sledgehammer. You do not need a corporate job, a salary slip, or an ITR. Today, we will break down exactly how to build a 750+ CIBIL score without a jo...
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Best SIP for Students with ₹500: The Ultimate Pocket Money Investment Guide

Picture this: It is Saturday evening. You order a medium pizza, maybe grab a cold coffee, and boom— ₹500 is gone. You didn't think twice about it. But when someone suggests investing that exact same amount, the excuses start pouring in. " I’m just a student," "I don't earn enough," or the classic, "I'll start when I get a job. " Here is the harsh truth: Waiting for a job to start investing is the most expensive mistake you will ever make. Turn your pocket money into wealth: A simple ₹500/month SIP can grow into a significant corpus by the time you graduate. If you are looking for the best SIP for students with ₹500 , you have already won half the battle. You realize that wealth isn't built by big salaries; it's built by small habits and time. In this comprehensive guide, we are going to break down exactly how to turn your pocket money into a serious graduation corpus, which funds to pick, and the mathematics that banks ...
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