Each financial product is governed by a different regulator and the rules for gifting vary, points out Tinesh Bhasin.

An income tax tribunal held that the PoA could not be construed as an instrument of transfer concerning any right, title, or interest in the immovable property.

There are judicial precedents where it has been held that if payment is made for temporary disablement, it would be taxable, points out Tinesh Bhasin.

After the NHB asked housing finance cos to desist from offering interest subvention schemes, disbursement of loans are likely to get delayed, points out Tinesh Bhasin.

It's best to avoid deals that sound too good to be true.

Investing in start-ups can be highly rewarding, but direct investing is not meant for everyone. For the majority of wealthy investors, taking the private-equity route could still be the better option.

If you are a retail investor, you can allocate a portion of the portfolio to the medium- to long-term debt fund category instead of gilt funds.

Selling property below market value can lead to litigation. Tinesh Bhasin offers tips on how to avoid it.

'Investors need to understand that these schemes may not do well in the market that is in a bull run, but quality stocks would protect the downside.'

If you are merely letting out the property and enjoying the rent as an individual or as a company, in most cases, you will need to mention rental income under the head 'income from house property' in the income-tax return form, points out Tinesh Bhasin.

Those earning over Rs 50 lakh a year need to disclose all jewellery and cash in their returns, says Tinesh Bhasin.

Interest rate and tenure are not the only two factors to consider.

In DigiLocker, a user can get different government departments to issue documents in digital format. At present, there are 117 such issuers. You can get PAN, Aadhaar, vehicle fitness certificate, vehicle tax receipt, class ten and twelve mark sheets, driving licence, caste certificate, ration card, birth certificate, college degrees and diplomas, marriage certificate, and many more.

Employers will now need to furnish detailed break-up of exemptions that an employee has claimed.

Irdai to allow 12 minor changes including expansion of critical illness and day care procedure lists, premium payment in instalments, change sum assured, etc.

The biggest challenge with public sector banks is the processing time, which is why starting early helps.

General insurers in India have started campaigns highlighting the benefits of buying a student's travel insurance in India, as opposed to buying one offered by the university abroad, says Tinesh Bhasin.

It's not unusual for the tax departments to freeze bank accounts and there have been instances of the authorities recovering the outstanding from the bank, though such course of action is not common.

'Our pet insurance policy is similar to the health insurance for humans.'

'To save the LTCG, it's always better that the owner of the property that was sold also becomes the title holder in the new one.'