My Finance Gyan

My Finance Gyan Your one-stop platform for Finance & Accounting updates. Free resources on IT, GST, Corporate Laws, Tax Planning & Investments. Powered by Gonik Consultancy LLP.

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Capital protection comes before stock market returns. 📉📊Even the best companies can drop during market panic. The secret...
28/08/2026

Capital protection comes before stock market returns. 📉📊

Even the best companies can drop during market panic. The secret to long-term survival isn't avoiding risk—it's controlling it.

Key rules to protect your capital:

✅Keep emergency cash out of stocks (Never invest EMI or bill money).
✅Limit position sizes (Avoid allocating too much to a single stock).
✅Diversify across industries (Don't just buy 10 stocks in the same sector).
✅Mix asset classes (Balance equities with debt, gold, or liquid funds).
✅Protect your downside, and the upside takes care of itself. 💡

Read full guide on MyFinanceGyan: https://www.myfinancegyan.com/risk-management-in-the-stock-market-how-to-protect-your-capital/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

📌 GST Essentials for Indian Business Owners & FreelancersConfused by GST rules or worried about getting tax return misma...
27/08/2026

📌 GST Essentials for Indian Business Owners & Freelancers

Confused by GST rules or worried about getting tax return mismatches? My Finance Gyan published a quick-read breakdown explaining the core GST fundamentals:

✅ CGST vs SGST vs IGST: When to apply which tax on your invoices
✅ Input Tax Credit (ITC): How to calculate your net GST liability correctly
✅ HSN & SAC Codes: Why proper item classification protects you from tax notices
✅ Threshold Limits: When mandatory GST registration kicks in

👉 Read the complete guide here:
https://www.myfinancegyan.com/what-is-gst-meaning-types-registration-and-benefits-explained/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

The P/E Ratio Trap: Is Low Always "Cheap"? 📉A common investing mistake is assuming a low Price-to-Earnings (P/E) ratio m...
26/08/2026

The P/E Ratio Trap: Is Low Always "Cheap"? 📉

A common investing mistake is assuming a low Price-to-Earnings (P/E) ratio means a bargain stock.

Here is how to analyze it correctly:

📊 Compare Peers, Not Sectors: A P/E of 25 can be cheap for IT, but expensive for Power. Compare IT vs. IT.
⏱️ Trailing vs. Forward: Trailing looks backward; Forward looks ahead. Use both to see if profit growth is expected to slow down.
📈 Use the PEG Ratio: Divide P/E by annual EPS growth. A PEG under 1.0 indicates solid growth at a fair price.

Bottom Line: A low P/E could mean a bargain—or a failing business. Always check debt and profit growth before buying.

🔗 Read more: https://www.myfinancegyan.com/p-e-ratio-explained-how-to-use-it-while-selecting-stocks/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

Trading vs. Investing: Which path should you choose? 📊👇Before you put your money into the market, ask yourself: Are you ...
25/08/2026

Trading vs. Investing: Which path should you choose? 📊👇

Before you put your money into the market, ask yourself: Are you buying a business, or are you buying a price movement?

Swipe through the key differences:
1️⃣ Mindset: Investors look at company health & fundamentals. Traders focus on price charts & market trends.
2️⃣ Time Required: Investing needs initial research and periodic reviews. Trading requires constant market tracking.
3️⃣ Goal: Investing aims for long-term compounding. Trading aims for short-term quick gains.

⚠️ Reminder: 9 out of 10 retail traders lose money in F&O and intraday trading without strict risk management. Don’t trade based on tips or hype!

🔗 Read more: https://www.myfinancegyan.com/long-term-investing-vs-trading-which-one-is-better-for-you/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

Thinking about unlocking funds for business expansion, medical emergencies, or debt consolidation without selling your a...
24/08/2026

Thinking about unlocking funds for business expansion, medical emergencies, or debt consolidation without selling your asset? 🏢🏠

A Loan Against Property (LAP) allows you to leverage your residential or commercial property for high-value funding—while you retain full ownership and usage.

However, high LTV (Loan-To-Value) doesn't automatically mean instant approval. Lenders evaluate:

🔹 Clear title & marketable ownership
🔹 Repayment capacity (income, bank statements, ITRs)
🔹 Proper legal & technical verification

⚠️ Key Risk: Defaulting on EMIs can result in the lender taking steps to recover dues from the mortgaged property.

Before pledging your asset, make sure you understand the eligibility criteria, documentation checklist, and key financial risks involved.

📖 Read the full guide here: https://www.myfinancegyan.com/loan-against-property-meaning-eligibility-documents-and-risks-explained/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

Unsure which expenses qualify for GST Input Tax Credit and which ones fall under blocked credits? 🧐Incorrectly claiming ...
22/08/2026

Unsure which expenses qualify for GST Input Tax Credit and which ones fall under blocked credits? 🧐

Incorrectly claiming ITC can lead to interest penalties and GST notices. To help you navigate this easily, My Finance Gyan has put together a simplified 2026 guide on ITC Eligibility, Blocked Credits, and Reversal Rules.
What you will learn:

✔️ How to safely claim ITC on business purchases.
✔️ What falls under Section 17(5) blocked credits.
✔️ Rules around ITC reversal you cannot afford to ignore.
Boost your savings and maintain 100% compliance! 🚀

📌 Read the article here: https://www.myfinancegyan.com/input-tax-credit-itc-under-gst-simple-guide-to-eligibility-blocked-credits-and-reversal/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

Paying too much tax on your salary? You might be missing out on Section 10 Exemptions! 🏷️💵Section 10 of the Income Tax A...
21/08/2026

Paying too much tax on your salary? You might be missing out on Section 10 Exemptions! 🏷️💵

Section 10 of the Income Tax Act lets you keep specific allowances outside your taxable income base—meaning lower tax deducted at source (TDS)!

✨ Top Exemptions Covered Under Section 10:

1️⃣ HRA (Sec 10(13A)): Save tax on the rent you pay.
2️⃣ LTA (Sec 10(5)): Get tax exemption on domestic travel fares.
3️⃣ Gratuity & Leave Encashment: Tax-free retirement limits.
4️⃣ Agricultural Income (Sec 10(1)): Completely exempt from tax.

⚠️ Quick Check: Make sure to evaluate whether the Old or New Tax Regime works best for you, as many of these exemptions cannot be claimed under the New Tax Regime!

Want to calculate your exemptions accurately before filing your ITR?

👉 Click the link to read the full guide on MyFinanceGyan:
https://www.myfinancegyan.com/section-10-of-income-tax-act-tax-exemptions-allowances-how-to-claim/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

🚨 Personal Loan OR Gold Loan? Pick the Right One! 🚨🔹 Choose Personal Loan if:✅ You want longer tenures & lower monthly E...
20/08/2026

🚨 Personal Loan OR Gold Loan? Pick the Right One! 🚨

🔹 Choose Personal Loan if:
✅ You want longer tenures & lower monthly EMIs.
✅ You don't want to pledge physical gold.

🔹 Choose Gold Loan if:
✅ You want lower interest rates.
✅ You need fast approval with limited credit history.

💡 Pro Tip: Always compare processing fees & check the Key Fact Statement (KFS) before deciding!

📖 Read more on My Finance Gyan: 👇
https://www.myfinancegyan.com/personal-loan-vs-gold-loan-which-one-should-you-choose/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Rajarshi

19/08/2026

Is your bank deducting TDS on your Fixed Deposit interest even with NO tax liability? 🛑

Don't let your hard-earned interest get unnecessarily deducted! You can easily claim NIL TDS by submitting the right self-declaration form at the beginning of the financial year.

Which form do you need?

✅Form 15G: For resident individuals below 60 years & HUFs.
✅Form 15H: Exclusively for resident senior citizens (60+ years).

💡 Pro Tip: Submit these forms early in the financial year to prevent automatic bank deductions and avoid waiting for refunds!

Want to check full eligibility rules and submission steps? Visit myfinancegyan.com!

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

Before investors put money into your startup, they will inspect everything under the hood! 🚗💨Here is the quick Due Dilig...
19/08/2026

Before investors put money into your startup, they will inspect everything under the hood! 🚗💨

Here is the quick Due Diligence Checklist to prepare before raising funding:

✅ Cap Table Accuracy (No ownership mismatches)
✅ Financial Verification (P&L and bank statements align)
✅ IP Ownership (All tech/code strictly owned by the entity)
✅ Tax & Statutory Compliance (Clean GST, TDS, and IT returns)
✅ Revenue Health (Customer concentration & retention)
✅ Zero Hidden Liabilities

💡 Top Tip: Setting up a clean Virtual Data Room (VDR) early shows maturity and speeds up term sheet conversions!

🔗 Read more: https://www.myfinancegyan.com/startup-due-diligence-before-raising-funding-what-investors-check-before-investing/

☑For more details
☎Call: +91 89754 00253
🌐Web: myfinancegyan.com

Nikhil Rajarshi

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