Personal Finance

BT Explainer: Form 121 - How the new TDS declaration form simplifies tax compliance for senior citizens in 2026

Form 121 is PAN-linked, making it fully integrated with the updated tax framework. While this makes PAN mandatory, it ensures faster processing, fewer mismatches, and improved compliance efficiency. For senior citizens, this translates into a smoother experience with fewer follow-ups or administrative hurdles.

The introduction of Form 121 marks a clear shift towards simplified, taxpayer-friendly compliance, especially for senior citizens.

PPF investment rule FY27: How depositing funds before the 5th every month can maximise your returns
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Gold, silver rates on April 4, 2026: Gold dips across 18K, 22K, 24K in Mumbai, Delhi, Chennai; silver remains resilient at ₹2.49 lakh/kg

Investment

The Public Provident Fund (PPF) is a government-backed long-term savings scheme that offers stable returns with high tax efficiency.

PPF investment rule FY27: How depositing funds before the 5th every month can maximise your returns

Mumbai, Kolkata, Bengaluru, Hyderabad, Kerala, and Pune reported 24-carat gold prices at ₹14,896 per gram.

Gold, silver rates on April 4, 2026: Gold dips across 18K, 22K, 24K in Mumbai, Delhi, Chennai; silver remains resilient at ₹2.49 lakh/kg

These loans often carry high interest rates and frequent repayment schedules, making them particularly stressful for borrowers.

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The cumulative 125 bps reduction significantly lowered borrowing costs across the banking system, particularly for floating-rate loans linked to external benchmarks like the repo rate.

How much home loan EMI you are saving now since RBI's last rate cut

Prices vary slightly across cities due to local taxes, transportation costs, and jewellers’ margins.

Gold, silver rates on April 3, 2026: Check latest prices for 24K, 22K, 18K in Delhi, Mumbai, Chennai, Kolkata

The new system ensures ETF prices better reflect local demand-supply dynamics, currency movements, and import duties.

Gold, Silver ETF rules change: How it affects Your portfolio & returns

Despite recent corrections, gold and silver ETFs have delivered strong returns in FY26. Silver ETFs surged nearly 118%, while gold ETFs gained over 54%.

Gold, silver crash drags ETFs down: Here’s how gold & silver ETF prices work

Precious metals, which are traditionally considered safe-haven assets, have not shown sharp upside, indicating cautious investor sentiment and stable domestic demand.

Gold, silver rates on April 2, 2026: Check latest prices for 24K, 22K, 18K in Delhi, Mumbai, Chennai, Kolkata

Central banks remain key to the gold market, holding nearly 39,000 tonnes worth about $5 trillion, or 26% of global reserves.

Gold remains a $31 trillion market, still under-allocated in investor portfolios: Report

One of the biggest mistakes investors make is expecting gold to deliver consistent returns. Its primary role is capital preservation during stress.

How to protect your gold investments during a financial crisis

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Retirement Planning

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Insurance

Another key risk during the March-end rush is mis-selling.

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Tax

Section 54F relief: ITAT Hyderabad grants ₹2.80 cr tax break to NRI in rare case

The new DIN rules strengthen transparency while offering flexibility to tax authorities in exceptional situations. For taxpayers, the DIN continues to serve as a critical safeguard against unauthorized or invalid communications.

Got an income tax notice? What you must check before trusting any tax notice

The ₹25 lakh exemption cap significantly reduces tax burden at retirement, especially for long-tenured employees.

BT Explainer: Set to retire? How ₹25 lakh leave encashment can be tax-free

Each Form 121 submission will now carry a Unique Identification Number (UIN), improving tracking, transparency, and compliance in TDS reporting.

Form 15H scrapped: What senior citizens must know about new Form 121 for TDS relief

The reduction in TCS directly lowers the amount of money deducted at the time of transaction.

TCS reduced to 2% on travel, education remittances: What changes for students, travellers

Introduced in 2012–13 and effective April 2017, GAAR targets tax avoidance through structures lacking genuine business purpose.

Legacy assets: New I-T rules shield pre-FY18 foreign holdings from GAAR; clarity after Tiger Global case

Real Estate

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Visual Stories

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Want a personal loan? Beware of illegal Chinese digital lending apps, Check these 6 tips by Money Today on how to steer clear of such apps

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Personal Finance

Investment

PPF investment rule FY27: How depositing funds before the 5th every month can maximise your returns

Gold, silver rates on April 4, 2026: Gold dips across 18K, 22K, 24K in Mumbai, Delhi, Chennai; silver remains resilient at ₹2.49 lakh/kg

‘₹3.3 lakh EMI on ₹2 lakh salary’: Advisor warns of rising ‘fintech debt trap’ among earners

How much home loan EMI you are saving now since RBI's last rate cut

Gold, silver rates on April 3, 2026: Check latest prices for 24K, 22K, 18K in Delhi, Mumbai, Chennai, Kolkata

Gold, Silver ETF rules change: How it affects Your portfolio & returns

Gold, silver crash drags ETFs down: Here’s how gold & silver ETF prices work

Gold, silver rates on April 2, 2026: Check latest prices for 24K, 22K, 18K in Delhi, Mumbai, Chennai, Kolkata

Gold remains a $31 trillion market, still under-allocated in investor portfolios: Report

How to protect your gold investments during a financial crisis

Retirement Planning

BT Explainer: Form 121 - How the new TDS declaration form simplifies tax compliance for senior citizens in 2026

Form 15H replaced by Form 121: What changes for senior citizens from April 1, 2026

Working women more prepared for retirement, but fear of loneliness rises: Axis Max Life Study

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₹1.72 saved for every ₹1 spent? Study shows prevention sharply cuts insurance claims

41% surge in health insurance complaints raises concerns over service quality, investor risk in sector

Tax

Real Estate

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