Tax on Stock Market Dividends:

2014 = 0% (Completely tax-free)
2018 = 10% (Only on dividends > ₹10L)
2020 = Taxed at slab rates (up to 30%)

Example (₹20L dividend):

2014: ₹20L in hand.
2018: ₹19L in hand (₹1L tax on ₹10L excess).
2025: ₹14L in hand (₹6L tax at 30%).

Are dividends still worth it?

⚠️ Missed the Sept 15 ITR deadline?
Don’t panic — you can still file a belated return till Dec 31, 2025 (Sec 139(4)).

But beware 👇
Late fee: ₹5,000 (capped at ₹1,000 if income < ₹5L).
No carry forward: Capital losses from stocks, MFs, property = gone.
Old Regime hit: Missed deductions & exemptions.
Filing late doesn’t just cost money, it costs opportunities.
⏳ File on time, protect your wealth.
#TaxPlanning #ITR #DontRetireRich

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How to track your ITR refund status online in simple steps

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CBDT has extended the Income Tax Audit Report filing deadline for FY 2024-25 (AY 2025-26) from Sept 30, 2025 → Oct 31, 2025.

This relief comes after multiple representations citing floods & natural calamities, even though the e-filing portal is working fine.

✅ Applies to assessees covered under Clause (a) of Explanation 2 to Sec 139(1).

📌 Translation: You’ve got one extra month—use it wisely!

#TaxUpdate #IncomeTax #DontRetireRich

STT Explained – The Silent Tax That Eats Into Your Profits !!!

Many traders calculate their profit after entry and exit, but forget a hidden cost that reduces it every single time: STT (Securities Transaction Tax).

It doesn’t look big on paper, but over time it silently eats into your profits. Let’s break it down in simple terms.

What is STT ?

STT is a tax charged on the value of every buy/sell transaction in equities, derivatives, and ETFs. It was introduced to generate revenue for the government and applies to all market participants.

Example: If you buy shares worth ₹1,00,000, you pay a small percentage as STT. The same applies when you sell. In options and futures, it’s mostly charged on the sell side.

Where all does STT apply ?

- Equity Delivery: STT applies on both buy and sell transactions.
- Equity Intraday: STT is charged only on the selling side.
- Futures: STT applies only on the sell side of the contract.
- Options: STT applies on the sell side, but at a higher rate compared to futures.

Why Traders Must Care About STT ?

- It Reduces Net Profit: Even if your trade looks profitable on the chart, STT takes away a portion. In short-term trading, these small cuts add up.

- Impacts Scalpers & Option Sellers Most: Since they do high-frequency trading, STT can eat into a large chunk of their returns.

- Hidden in Brokerage Statements: Many traders blame “brokerage” for high costs, but in reality, STT is often the bigger factor.

Tip: Always calculate the real cost of trading, not just entry and exit points. Brokerage, STT, GST, exchange fees, all matter.
Sometimes the best trade is not the most frequent one, but the one with the best cost-to-profit balance.

Conclusion: STT may look small, but it has a big impact over time.
The difference between a losing trader and a winning trader is often not the strategy, but how well they manage costs like STT.

Hopefully, this post cleared your doubts on STT.😊 👍

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Gold has always been called “safe haven”… but is it really the smarter choice today?
In this video, I’ll show you why Equity looks not just safer, but smarter than Gold right now. If you’ve been confused between Gold and Equity, this will give you clarity. #DontRetireRich

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How often should investments be reviewed?
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