About Me

Welcome to The SVibes!

I'm Shubh, a finance and accounting professional with over 7 years of experience in GST, Income Tax, TDS, Payroll, Financial Analysis, Budgeting, and more.

I started this blog to share practical knowledge, simple guides, and real-life tips that can help individuals, students, and small business owners understand and manage their finances better.

Here, you’ll find content related to:

Income Tax Return Filing

GST Registration & Filing

Excel for Accountants

EPF, ESI & Payroll Setup

Financial Planning & Tools

My goal is to make finance simple, accessible, and useful for everyone — whether you're a student, self-employed, or running a business.

Thanks for visiting, and feel free to reach out via the Contact page if you have questions, feedback, or topic suggestions!

Stay connected,
– shubh
Founder, thesvibes

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How to File Income Tax Returns (ITR) Online in India – Step-by-Step Guide [FY 2024–25, AY 2025–26]

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Introduction: Why Filing ITR Matters in 2025 Income tax is a tax charged on the annual income of an individual or business earned in a financial year. The Income Tax system in India is governed by the Income Tax Act, 1961, which lays out the rules and regulations for income tax calculation, assessment, and collection. Filing your Income Tax Return (ITR) is more than a tax task — it’s a responsible financial habit. Whether you’re salaried, self-employed, or a freelancer, filing helps you: ·          Avoid penalties ·          Claim TDS refunds ·          Get loan approvals and visa clearances ·          Maintain financial transparency For FY 2024–25 (1 April 2024 to 31 March 2025), returns must be filed in Assessment Year 2025–26 , before 31st July 2025 (non-audit cases).  Income Tax Slabs for ...
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Old vs New Income Tax Regime in India (FY 2025–26): Which One Should You Choose?

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     Financial Year 2025–26 AY 2026–27 The income you earn from 1st April 2025 to 31st March 2026 will be taxed in Assessment Year 2026–27 . With Budget 2025 updates, especially the increase in standard deduction under the new regime , choosing the right regime has become even more important. Union Budget 2025: Major Tax Reforms In the Union Budget 2025, Finance Minister Nirmala Sitharaman introduced significant changes to the income tax structure under the new tax regime , aiming to simplify taxation and provide relief to middle-class taxpayers. Key Highlights: No Income Tax for individuals earning up to 12 lakh annually under the new tax regime. Standard Deduction Increased to 75,000 for salaried individuals, effectively making income up to 12.75 lakh tax-free. Section 115BAC of the Income Tax Act governs the new tax regime, offering concessional tax rates with limited exemptions  Understanding Section 115BAC Se...
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NPS vs PPF vs ELSS – Best Tax Saving Investment in 2025

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