How we check
The desk writes the guides and checks the calculators against the same rules. A worked example on a guide is the sum the calculator runs. The date on a page is the day those figures were last checked.
The desk does not sell a loan, a fund, or a policy, and it does not tell you which product to buy. The method is written out on How the figures are checked.
Sources policy
Interest rates and rules come from the bank or government notice itself. Tax rates and slabs are checked against the Income Tax Department and the Finance Act. Small-savings rates are checked against the Ministry of Finance. Home-loan context is checked against the Reserve Bank of India. The source is linked on the guide or the rate page.
Daily gold and silver rates are compared across several public market-rate sources by hand before they’re published, and are always labelled indicative. They are not a jeweller’s bill, and the page does not name a private price feed. An advertisement, when one appears, does not change a number.
Update cadence
Tax pages are checked when the Finance Act or a tax notification changes a slab, a rebate, or a deduction. Small-savings rates are checked when the Ministry of Finance publishes the quarter’s memorandum. Fixed-deposit and home-loan cards are checked against the bank’s own page. The date under a bank is the day that page was read.
Gold and silver are updated when a fresh quote for that day is checked. If the quote is more than two days old, the page says when it was last updated. Petrol and diesel prices for Delhi, Mumbai, Kolkata and Chennai are updated when that day’s prices are checked. When a page changes, the date on the page changes with it.
Corrections
If a figure is wrong, write to hello@finfod.com with the page link and the official source you checked. The desk corrects the page and updates the date.
Finfod is not a chartered accountant, a SEBI-registered adviser, or a bank. Check a result with a qualified person before you file a return or sell an asset.
Guides
- Tax & salaryIncome tax slabs for FY 2026-27Income tax slabs for FY 2026-27 (AY 2027-28) under section 202, with the section 156 rebate, marginal relief above ₹12 lakh, and the 4% cess.8 min read
- Tax & salaryOld vs new tax regime for FY 2026-27Which tax regime costs less in FY 2026-27 for salaries from ₹7 lakh to ₹30 lakh, with the breakeven old-regime deduction beside each salary.8 min read
- Tax & salaryHow the HRA exemption is calculatedHow house rent allowance is exempt in the old tax regime for FY 2026-27 (AY 2027-28): the three-way test, cities, rent receipts and the landlord PAN.8 min read
- Tax & salaryOld and new income-tax section numbersA lookup table from old Income-tax Act section numbers to the Income-tax Act 2025: 80C to 123, 87A to 156, 115BAC to 202, HRA and capital gains.10 min read · Updated 29 October 2026
- Saving & investingTax on gold in India in 2026How India taxes physical gold, jewellery, gold ETFs, digital gold and Sovereign Gold Bonds in FY 2026-27, with cess and Diwali 2026 examples.12 min read
- Saving & investingGold investment options in India in 2026Compare coins, jewellery, gold ETFs, gold funds, Sovereign Gold Bonds and digital gold before Diwali 2026, including cost, safety and who each suits.12 min read
- Saving & investingCapital gains tax in India in 2026Capital gains tax in FY 2026-27 on equity, mutual funds, property and gold: holding periods, rates of 12.5% and 20%, and the ₹1.25 lakh line.9 min read
- Tax & salaryAdvance tax due dates for FY 2026-27Who pays advance tax in tax year 2026-27, the ₹10,000 test, four due dates, the senior-citizen exemption, and how to pay on the e-filing portal.12 min read
- Loans & homeHow home loan EMI is calculated (with prepayment tips)How a home loan EMI is worked out on the reducing balance, what an extra payment changes, and how that compares with investing the same cash.10 min read
- Government schemesSukanya Samriddhi Yojana 2026: interest rate, rules, tax benefitsSukanya Samriddhi Yojana for this quarter: the notified interest rate, who can open an account, the 15-year deposit rule, and the tax sections.9 min read
- RetirementNPS explained: tiers, returns, tax benefits and withdrawal rules 2026NPS explained for 2026: Tier I and Tier II, how a market-linked return works, tax on contributions, and the withdrawal rules at age 60 in India.9 min read
- Everyday moneyFD vs RD vs PPF: which is better in 2026FD versus RD versus PPF in 2026: the current notified rates, tax in both regimes, how long each one locks your money, and a worked maturity.11 min read
- Tax & salarySection 80C (now section 123) for FY 2026-27The complete section 123 list for FY 2026-27, still called 80C on older papers. One ₹1.5 lakh cap, and only if you leave the new tax regime.11 min read
- Tax & salaryHow to file ITR for FY 2025-26 (AY 2026-27)Which ITR form to use for FY 2025-26, the due dates, what to keep ready, and the mistakes that make a return invalid. Official e-filing steps only.12 min read · Updated 29 October 2026
- Loans & homeHome loan tax benefits in 2026Home-loan interest, principal and the old first-time buyer rules for FY 2026-27. What section 22 and section 123 allow, and what a 2026 loan cannot claim.12 min read
- Saving & investingSIP vs lump sum: which is better?A SIP and a lump sum at the same yearly rate, worked on Finfod’s SIP and CAGR calculators. When the lump sum finishes ahead, and when that answer is useless.10 min read
- RetirementPPF vs ELSS vs NPS for tax savingHow PPF, ELSS and NPS cut tax in FY 2026-27, what they return, and when the new regime makes the deduction worth nothing. Worked on the site’s own calculators.12 min read
- Everyday moneyWhat is a CIBIL score and how to improve itA CIBIL score runs from 300 to 900. How the report is built, the one free report RBI requires each year, and what CIBIL itself says will move the number.12 min read
- Stocks & IPOHow to apply for an IPO with UPI or ASBAHow to apply for an IPO in India with UPI or ASBA: who can bid, the ₹2 lakh retail cap, lots, the cut-off price, the mandate and T+3 listing.12 min read
- RetirementEPF withdrawal rules 2026EPF withdrawal rules for 2026: full and partial claims, the 25% balance you must leave, the five-year tax rule, TDS, and Forms 19, 31 and 10C.12 min read