The Credsir blog
802 articles on Indian money — loans, cards, tax, property, forex and markets. Where the comparison tables end, the analysis starts.
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Stamp Paper & Legal DocumentsSale Deed: Meaning, Contents, Stamp Duty and Registration
A sale deed transfers property ownership from seller to buyer. It must be registered; without registration the buyer…
2 Oct 2026 -
Stamp Paper & Legal DocumentsLeave and Licence Agreement: Maharashtra Online Registration Explained
A leave and licence agreement allows use of a property without a tenancy. Maharashtra requires registration, which you…
2 Oct 2026 -
InvestingPPF Withdrawal, Loan and Extension Rules
PPF allows a loan in years 3 to 6, one partial withdrawal a year from year 7, early closure after 5 years for set…
2 Oct 2026 -
Land & Property RecordsTamil Nadu Patta: Types, Transfer Process and Fees
A patta is Tamil Nadu's revenue record of land ownership. After a sale or inheritance, apply for patta transfer on…
2 Oct 2026 -
Stamp Paper & Legal DocumentsLegal Heir Certificate: How to Apply Online, Documents and Timeline
A legal heir certificate is issued by the tahsildar or revenue office and names a deceased person's surviving family.…
2 Oct 2026 -
Land & Property RecordsKarnataka e-Khata: Why It Is Needed and How to Apply
An e-Khata is Karnataka's digital property record. You need it to register a sale; apply on e-Aasthi in towns or…
2 Oct 2026 -
Land & Property RecordsMutation of Land (Dakhil Kharij): Process, Documents and Fees
Dakhil kharij (mutation) puts land in the new owner's name in revenue records. In Bihar it is free, online only, and…
1 Oct 2026 -
Income TaxTax Year Under the New Act: How It Replaces Previous Year and AY
Tax year is the new term for the April-March year you earn income in. It replaces previous year and assessment year…
1 Oct 2026 Tax -
Stamp Paper & Legal DocumentsStamp Duty in Maharashtra: Rates, Women’s Concession and GRAS Payment
Maharashtra charges 5% stamp duty in urban areas and 4% in gram panchayats, plus 1% cess in many cities. Women pay 1%…
1 Oct 2026 -
Land & Property RecordsLand Pooling: How It Works and What Landowners Get Back
In land pooling you give land to an authority voluntarily and get back a smaller developed plot, instead of the cash…
30 Sep 2026 -
Stamp Paper & Legal DocumentsStamp Duty in Karnataka: Guidance Value, Rates and Registration Fee
Karnataka charges 5% stamp duty plus 10% additional duty and a small surcharge, and a 2% registration fee since 31…
30 Sep 2026 -
Land & Property RecordsULPIN (Bhu-Aadhaar): What the 14-Digit Land ID Means for Owners
ULPIN (Bhu-Aadhaar) is a 14-digit ID for a land parcel, generated from its map coordinates. It identifies the land; it…
30 Sep 2026 -
LoansRBI Gold Loan Rules 2026: LTV Slabs, Valuation and Return of Gold
Under RBI rules in force since 1 April 2026, you can borrow up to 85% of your gold's value on loans up to ₹2.5 lakh,…
30 Sep 2026 Loans -
Income TaxInterest for Late Advance Tax: How 234B and 234C Work Now
Short or late advance tax costs 1% simple interest a month: section 234C (now 425) for missed instalments, 234B (now…
30 Sep 2026 Tax -
Government ServicesDA Merger With Basic Pay: What the Rules Say
DA is not merged with basic pay just because it crosses 50%. The government says no merger proposal is under…
30 Sep 2026