Canupurjain.finance

Website

Canupurjain.finance Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Canupurjain.finance, Digital creator, Laxmi Nagar, Delhi.

✅️ I Talk About Money & Taxes
✅️ Chartered Accountant | Ex-KPMG
✅️ Saving • Investing • Money Habits
🔻 Contact for Consultation
🔗 www.taxvidyaarthi.in
☎️ 91 9234825250

12/08/2026

Is UPI really ending its free service? Don't let WhatsApp rumors panic you—here is the actual truth behind the latest updates!

The government introduced the Taxation and Other Laws (Amendment) Bill, 2026, which removes the clause in the Payment and Settlement Systems Act that previously banned banks from charging MDR on UPI transactions. However, this does NOT mean everyday users will pay for normal transactions.

Here is what you actually need to know:

P2P Transfers Stay 100% Free: Sending money to friends, family, or personal accounts will not cost a single rupee.

Small Businesses are Safe: Small kirana stores and minor merchant payments remain completely exempt from charges.

Large Merchants Only: A proposed nominal MDR (0.25% to 0.4%) applies strictly to large businesses and transactions above ₹2,000.

Tax Benefit for Businesses: Companies can claim these nominal MDR fees as a legitimate business expense for tax deductions.

Bottom line: Your daily payments remain hassle-free and free of cost. Share this reel to stop the spread of misinformation!

Keywords: UPI charges update, Taxation and Other Laws Amendment Bill 2026, Payment and Settlement Systems Act, UPI free or paid, merchant discount rate UPI, UPI P2P free transactions, MDR fees India, UPI rumors vs facts, Digital payments India news, UPI tax deduction business

07/08/2026

𝐏𝐚𝐲 "𝐙𝐄𝐑𝐎" 𝐂𝐚𝐩𝐢𝐭𝐚𝐥 𝐆𝐚𝐢𝐧𝐬 𝐓𝐚𝐱 𝐨𝐧 𝐒𝐚𝐥𝐞 𝐨𝐟 𝐒𝐡𝐚𝐫𝐞𝐬 & 𝐌𝐮𝐭𝐮𝐚𝐥 𝐅𝐮𝐧𝐝𝐬.

👉 Most investors end up paying 12.5% LTCG tax simply because they don’t know this smart tax harvesting strategy. 😮‍💨

👉 By using the ₹1.25L LTCG exemption under Section 112A and gifting units to eligible relatives (as allowed under Section 47), you can legally split the gains and sell your mutual funds with little to no tax liability.

👉 This simple portfolio restructuring technique is widely used by experienced investors to optimise taxes while staying fully compliant with income tax rules.

Keywords:
tax harvesting, mutual fund tax saving, LTCG tax saving, section 112A exemption, capital gains tax India, mutual fund taxation, income tax planning, tax planning India, gift of mutual funds, section 47 income tax, legal tax saving strategies, capital gains exemption, stock market tax planning, wealth management India, smart investing strategies

04/08/2026

𝗕𝗮𝗻𝗸𝘀 𝘄𝗶𝗹𝗹 𝗻𝗲𝘃𝗲𝗿 𝘁𝗲𝗹𝗹 𝘆𝗼𝘂 𝘁𝗵𝗶𝘀… 👀

When you go to a bank for an FD, they usually offer around 6–7% interest.

But what they rarely tell you is that some Post Office savings schemes offer higher returns with government backing.

Here are 5 Post Office schemes that can help build long-term wealth 👇

1️⃣ Time Deposit (Post Office FD)
📈 Interest up to 7.5%
💰 5-year deposit eligible for Section 80C deduction

2️⃣ National Savings Certificate (NSC)
📊 Fixed return of 7.5% annually
⏳ 5-year lock-in

3️⃣ Monthly Income Scheme (MIS)
💵 Regular monthly income
📈 Interest around 7.4%

4️⃣ Senior Citizen Savings Scheme (SCSS)
👴 Designed for senior citizens
📈 Interest around 8.2% annually

5️⃣ Kisan Vikas Patra (KVP)
💰 Your investment can double in about 115 months

Before blindly choosing a bank FD,
compare these Post Office schemes too.

Which one looks the most interesting to you?

👇 Let me Know!

Keywords : post office schemes, post office investment, india post schemes, safe investment india, government backed schemes, fixed income investment, best savings schemes india, post office fd, nsc scheme, monthly income scheme, senior citizen savings scheme, kisan vikas patra, passive income india, long term investment india, wealth building india, tax saving investments, personal finance india, finance education, money tips india, smart investing

02/08/2026

Paying your credit card bills on time isn't always enough to protect your credit score! Even responsible users fall into hidden traps that silent-kill their CIBIL score and drain their bank accounts.

In this video, we break down 3 major credit card mistakes you must avoid:

● High Credit Utilization: Spending more than 30% of your credit limit (e.g., spending over ₹15,000 on a ₹50,000 limit) makes you look credit-hungry to lenders, hurting your score even if you pay in full.

● ATM Cash Withdrawals: Credit cards offer an interest-free period for shopping, but cash withdrawals incur heavy interest from day one—no Grace Period!

● Paying Only Minimum Due: Falling for the "Minimum Amount Due" trap triggers massive interest charges ranging from 30% to 50% annually on your remaining balance. Always pay the Total Outstanding Amount.

Smart credit card usage brings rewards, cashbacks, and benefits, but only when you use it wisely!

​Keywords:
credit card tips, CIBIL score mistake, credit utilization ratio, credit card cash withdrawal, minimum amount due trap, CIBIL score improvement, credit card interest rates, personal finance india, credit score

23/07/2026

"Kab se shuru karein?" is the most common question I get in my DMs. 💬

​Here is the simple reality: Wealth creation isn't about how much you invest; it's about how long you stay invested.

​• Start at 25 (₹2k/mo @ 12%): ~₹1.3 Crore at age 60

• Start at 30 (₹2k/mo @ 12%): ~₹70 Lakhs at age 60

​A 5-year delay = A ₹60 Lakh loss. 📊

​Don't pay the heavy price of delay. Start your investment journey today!

Keywords:-
​SIP investment, power of compounding, cost of delay, wealth creation, personal finance tips, mutual funds for beginners, early investing, financial freedom, compounding math, discipline in investing, long term investment, retirement planning, smart investing

12/07/2026

Discover the strategy to maximize your mutual fund returns over a 20-year horizon.

This breakdown simplifies how to allocate your money across Large Cap, Mid Cap, and Small Cap funds based on your personal risk tolerance and financial goals.

Learn how to balance stable growth with high-yield potential to optimize your Systematic Investment Plan (SIP) for long-term wealth creation.

​Keywords

​Max returns, SIP, FD, SIP investment, mutual funds, finance, personal finance, wealth, investment strategy, asset allocation, Large Cap, Mid Cap, Small Cap, risk vs return, wealth creation, long-term investing, financial tips, CA Nupur Jain

07/07/2026

I got over 3,000 reactions on my posts last week! Thanks everyone for your support! 🎉

07/07/2026

Where should your Emergency Fund actually be? 🤔

Leaving all your backup cash in a regular savings account is NOT a smart strategy. Inflation is eating away at its value, and emergencies never give a warning!

As a Chartered Accountant, I always recommend tailoring your emergency fund based on your employment type:

🔹 Salaried: 3 to 6 months of living expenses
🔹 Freelancers: 6 to 9 months of cushion
🔹 Business Owners: 9 to 12 months of backup

But don't just let this money sit idle. Split it into 3 smart, liquid options:
1️⃣ Liquid Mutual Funds (For safety & stability)
2️⃣ Arbitrage Funds (For tax-efficient returns)
3️⃣ Sweep-In FDs (For higher interest + instant liquidity)

Want the exact framework and my top recommended asset list to build your ultimate financial backup? 👇

💬 Comment "EMERGENCY" below, and my team will drop the complete roadmap straight into your DMs!

🔑 Relevant Keywords
Emergency fund India, personal finance India, money management, emergency fund calculator, financial planning, liquid funds, arbitrage funds, sweep in FD, investment tips, smart investing, finance for freelancers, business finance, financial freedom, money hacks, wealth management, chartered accountant, financial literacy, investment strategy, budgeting tips, personal finance goals

03/07/2026

Struggling to pick the right mutual fund from thousands of options? 🤯

If you are looking for a single SIP that perfectly balances stability and high growth for the long term… Flexi Cap Funds might be your best bet! 📈

In this video, we break down why Flexi Cap Funds act as the ultimate all-rounders of the equity market. 🏏 Thanks to their dynamic allocation strategy, fund managers can seamlessly shift money into safe Large Caps when the market is volatile, and pivot to high-growth Mid and Small Caps when the market rallies. 🔄

But don't just invest blindly! ⚠️ Before picking a fund, you must evaluate its 10-year track record, look for a Sharpe Ratio above 1, and ensure a low Beta for better risk management. 📊

To make your job easier, I have filtered the data and curated a list of the top 5 performing Flexi Cap funds based on deep technical research. 🔍

Want the list directly in your inbox? 📬

👇 Comment "FLEXI" below, and I will DM the curated list straight to you! 🤖✨

Disclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Keywords
Mutual Funds India, Flexi Cap Funds, SIP Investment, Financial Education, Wealth Creation, Investing Tips, Personal Finance, Large Cap, Mid Cap, Small Cap, Smart Investing, Fund Selection, Market Risk, Investment Strategy, Financial Freedom

Address

Laxmi Nagar
Delhi
110092

Website

Alerts

Be the first to know and let us send you an email when Canupurjain.finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category