CA Suraj Deo

Quick Checklist on Home loan to Save ₹20–40 lakhs over your lifetime:

- Compare repo + spread across 5–6 banks
- Don’t allow tenure extension, in case of repo rate changes by RBI
- Pay One extra EMI/year
- Increase EMI 5% annually
- Avoid private bank insurance pressure
- Choose govt banks for lowest cost
- Never pick a lender only because “relationship manager is helpful”
Thank you.

6 months ago | [YT] | 3

CA Suraj Deo

Here’s your simple formula to choose the BEST Gold ETF:

1. Lowest tracking error
2. Lowest expense ratio
3. Highest liquidity
4. High AUM
5. Market price close to NAV
6. Trusted AMC

Follow this checklist… and you’ll never pick the wrong Gold ETF.

As always, do your own research and consult a financial advisor if needed.

6 months ago | [YT] | 3

CA Suraj Deo

So after this Diwali shopping, just think through this:
"Do you control your credit cards… or does your cards control you?

7 months ago | [YT] | 2

CA Suraj Deo

Thinking of filing your ITR for just ₹500 or ₹1000? This is really a trap. Check this out.

9 months ago | [YT] | 1

CA Suraj Deo

Remember: in India, buying property isn't just a transaction. It’s a legal battleground. Make sure you win it with knowledge.
Next long video on this topic is coming soon...

10 months ago | [YT] | 3

CA Suraj Deo

Every year, many salaried people just go with ITR-1, assuming it’s the default one.

But wait — do you have capital gains?

Own two house properties?

Or earn from freelancing or F&O trading?

Then ITR-1 is NOT for you!

Let’s break it down in simple terms 👇

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🔹 ITR-1:

Use this if you’re a salaried person, your income is below ₹50 lakhs, you own only one house, and you have income from other sources like interest etc.

Even capital gains up to ₹1.25 lakhs is allowed now.

But no foreign assets, no multiple properties, and no business income.

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🔹 ITR-2:

Choose this if your income is above ₹50 lakhs, or you have:

- More than one house
- Capital gains
- Foreign assets or foreign income
- Directorship in a company
- or you hold Unlisted equity shares

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🔹 ITR-3:

Use this if you earn from:

- Business
- Freelancing
- F&O trading, or
- You're a partner in a firm

👉 Professionals like CAs, doctors, lawyers — this one’s for you.

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🔹 ITR-4:

Ideal for small business owners and professionals under the presumptive tax scheme (44AD/44ADA).

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🔹 Then there are other forms:

- TR-5: is For Firms, LLPs, AOPs, etc.

and ITR-6: is For Companies

10 months ago | [YT] | 5

CA Suraj Deo

RERA is great — it shows the builder is serious.

But RERA alone doesn’t protect your money from old disputes, land issues, or legal fights.

- Think of RERA as the first filter

- Real protection comes from a full legal due diligence.

When you’re spending lakhs or crores, a little extra care is not optional — it’s smart!

Buy safe, not sorry.

11 months ago | [YT] | 3

CA Suraj Deo

The New Financial Year has started!

Here’s a quick note on choosing your tax regime:

📌 Salaried individuals — You can switch between the Old and New Tax Regime every year by simply informing your employer at the start of the financial year.

📌 Business owners/freelancers — You get only one chance to move back to the Old Regime if you switch to the New one. So, choose wisely!

Selecting a tax regime isn’t just about lower rates — it’s about keeping your flexibility and investments too.

Which regime are you choosing this year — Old or New? Drop your answer in the comments below!

#TaxRegime #NewFinancialYear #PersonalFinance #TaxPlanning

1 year ago (edited) | [YT] | 3

CA Suraj Deo

Don't make these MISTAKES while investing in Mutual Funds?

1 year ago | [YT] | 2

CA Suraj Deo

What's the RIGHT time to sell your shares or stocks?

1 year ago | [YT] | 3