CA Sailesh Bhandari

CA Sailesh Bhandari A trusted and reliable Chartered Accountant firm in India, offering specialized services in Taxation,Audit,virtual CFO Solutions

14/08/2026

Salary to Family Members in Business | Part 1

Can you pay salary, remuneration or commission to family members working in your business?

Yes, such payments can be allowed under the Income Tax Act—but it is important to understand the concept of related parties.

In this video, I explain who may be considered a related party, including:
✅ Family members

✅ Partners and related businesses

✅ Directors and shareholders

✅ Subsidiary companies and other related entities

Related-party transactions are allowed, but they need to be handled carefully.

Watch Part 2 – Coming Soon.

Follow for practical updates on Income Tax, GST & Business Finance.

13/08/2026

Business Loan Cost Explained | Part 2

Taking a business loan? Don’t look at the interest rate alone. Know your total cost of borrowing.

Interest, processing fees and other applicable charges can increase the actual cost of your loan.

As a general benchmark:
✅ Below 9% – Very good
⚠️ 9%–12% – Evaluate carefully
🔴 Above 12% – Be cautious
⛔ Up to 15% – Consider only when necessary

You can also use AI tools like ChatGPT or Gemini to calculate your effective borrowing cost by entering the loan amount and all applicable charges.

Before taking a loan, understand the terms, calculate the total cost and then decide.

Follow for practical updates on Business Finance, Income Tax & GST.

12/08/2026

Business Loan Charges Explained | Part 1

Taking a business loan isn't just about the interest rate. There are several other charges that can significantly increase the overall cost of your loan.

In this video, I explain:

✅ Interest Rate

✅ Processing Fees

✅ MODT & Legal Charges

✅ Stock Statement / Quarterly Charges

✅ Insurance Charges

Understanding these charges can help you make better borrowing decisions.

Part 2 Coming Soon

Follow CA Sailesh Bhandari for practical Income Tax, GST and business finance insights.

11/08/2026

Selling Your House | Save Capital Gains Tax | Part 2

Selling a house can result in capital gains tax, but there are eligible ways to reduce your tax liability.

In this video, I explain:

✅ Investment in specified bonds within 6 months – up to ₹50 lakh

✅ How joint ownership may provide separate exemption benefits

✅ Investment in another residential house

✅ Purchase within 2 years or construct within 3 years

✅ A house purchased up to 1 year before the sale may also qualify for exemption

Planning your investments within the prescribed timelines can help you make use of the available capital gains tax exemptions.

Follow for practical updates on Income Tax, GST and business finance.

10/08/2026

Selling Your House | Capital Gains Tax Explained | Part 1

Selling your house doesn't mean you have to pay Capital Gains Tax on the entire sale consideration.

Before calculating your Capital Gain, certain eligible deductions can help reduce your taxable Capital Gain.

In this video, we explain:

✅ Broker / Agent Commission

✅ Purchase Cost of the Property

✅ Registration Expenses

✅ Cost of Improvements (with proper records)
We also explain the difference between:
✔️ Capital Gains Tax with indexation

✔️ Capital Gains Tax without indexation

Part 2 Coming Soon

Learn the legal ways to save Capital Gains Tax while selling your house.

Follow CA Sailesh Bhandari for practical Income Tax, GST and business finance insights.

06/08/2026

House Rent Income Tax | Part 1

Receiving rent from your house? Rental income is generally taxable under the Income-Tax Act

In this video, we cover:
✅ When rental income becomes taxable

✅ How taxable rental income is calculated

✅ Deduction of municipal/property taxes

✅ Standard deduction of 30%

✅ Home loan interest deduction

Understanding these provisions can help you calculate your taxable rental income correctly and claim eligible deductions.

🎬 Part 2 Coming Soon.

31/07/2026

House Ownership Tax Benefits | Part 2

Buying a house jointly can provide valuable Income-tax benefits—but only if certain conditions are satisfied, subject to the applicable provisions of the Income-tax Act.

In this video, we discuss:
✅ Conditions to claim home loan tax benefits

✅ Why all co-owners should also be co-borrowers?

✅ How EMI payments can affect tax benefits

✅ How rental income is taxed for co-owners

Understanding these conditions can help you claim eligible tax benefits while remaining compliant with the Income-tax Act.

30/07/2026

House Ownership Tax Benefits | Part 1
Buying a house is a major financial decision. The ownership of your house can influence your Income-tax benefits, subject to the applicable provisions of the Income-tax Act.

In this video, we discuss:
✅ Home loan interest deduction for a self-occupied house

✅ The ₹2 lakh interest deduction available to eligible taxpayers, subject to the applicable provisions

✅ How property ownership can influence tax benefits

✅ How eligible co-owners may claim higher tax benefits, subject to the applicable provisions

Part 2 Coming Soon.

Follow for practical Income Tax, GST and business finance insights.

28/07/2026

Review Your Books Before Filing Your ITR

31 August is the due date for filing the Income Tax Return for businesses that are not required to get their accounts audited.

Many business owners unknowingly:

• Record expenses that are not allowable under the Income-tax Act.
• Miss genuine business expenses that could have been claimed.

Reviewing your books before filing your ITR can help you:
✅ Remove non-allowable expenses

✅ Include eligible business expenses

✅ Calculate the correct taxable income

✅ Pay only the tax that is legally payable while remaining compliant

✅ Reduce the risk of future tax disputes

Review your books before filing your return to ensure your taxable income and tax liability are computed correctly.

Follow CA Sailesh Bhandari for practical Income Tax, GST and business finance insights.

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25/07/2026

Family Members' Salary & Rent in Business

Can you pay salary to your spouse, parents or children from your business?
Can you claim rent if you operate your business from a family member's property?

Yes—provided the payments are genuine, reasonable and comply with the applicable provisions of the Income-tax Act.

In this video, we explain:
✅ Salary, commission and professional fees paid to family members
✅ Rent for family-owned property used for business
✅ Why payments should be at market value
✅ When these expenses are generally allowable under the Income-tax Act
Understanding these rules can help business owners claim legitimate business expenses while staying compliant.

Follow for practical Income Tax, GST and business finance insights.

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