Author: CA M.S. ROY

CA M.S. Roy is a Chartered Accountant with 13+ years of experience in taxation, financial reporting, Ind AS implementation, consolidation, and complex accounting matters. He has led carve-outs, common control business combinations, and large-scale financial transformations across manufacturing and infrastructure sectors. Through TaxBizMantra, he simplifies tax and finance concepts for professionals and businesses using practical, standards-driven insights.

Personal Finance
NPS vs PPF: Which Is Betterfor Retirement Planning in 2026?
Everyone compares NPS and PPF on returns. Few compare what you’ll actually keep after tax. Here’s the retirement comparison every investor should read.
Read More NPS vs PPF: Which Is Betterfor Retirement Planning in 2026?
Free Downloads | Income Tax
Advance Tax Calculator Excel – Free Download
Advance Tax Calculator Excel — taxbizmantra.com ⬇ Download Taxpayer Types Due Dates New Sec 425(2) How to Use 234B/234C Interest FAQ 🆓 Free Download FY 2026-27 Income Tax Act 2025 ✓ 57 Formulas · Zero Errors Free Advance Tax Calculator Excel FY 2026-27 • 44AD/44ADA •…
Read More Advance Tax Calculator Excel – Free Download
Income Tax
Capital Gains Tax on Foreign Investors in India Under the Income-Tax Act, 2025: Time for Reform?
The June 2026 Ordinance changed the rules for foreign investors. The bigger question is whether India should go further and rethink capital gains taxation altogether.
Read More Capital Gains Tax on Foreign Investors in India Under the Income-Tax Act, 2025: Time for Reform?
Personal Finance | Income Tax
Is NPS Withdrawal Taxable? Complete NPS Taxability Guide for 2026
NPS offers attractive tax benefits while investing, but how is the corpus taxed when you withdraw it? This guide explains NPS taxability, including maturity withdrawals, annuity income, partial withdrawals, death benefits, and the impact of the new 80% withdrawal rule.
Read More Is NPS Withdrawal Taxable? Complete NPS Taxability Guide for 2026
Personal Finance
SIP vs Real Estate in India (2026): Which Investment Creates More Wealth Over 20 Years?
A ₹10,000 monthly investment, 20 years, and two very different outcomes. Discover whether SIPs or property have historically created more wealth for Indian investors.
Read More SIP vs Real Estate in India (2026): Which Investment Creates More Wealth Over 20 Years?
Free Downloads | Income Tax
Income Tax Calculator Excel for Traders & Small Businesses (Free Download)
Download the free Income Tax Calculator Excel for traders and small businesses. Calculate taxable income, compare New vs Old Tax Regime, estimate tax liability, and simplify tax planning for AY 2026-27 with this easy-to-use Excel utility.
Read More Income Tax Calculator Excel for Traders & Small Businesses (Free Download)
Personal Finance
Buying a Home in India? Here’s the Real Stamp Duty and Registration Cost in 2026
Buying property in India? Compare 2026 state-wise stamp duty and registration charges, understand circle rates, and reduce extra costs legally.
Read More Buying a Home in India? Here’s the Real Stamp Duty and Registration Cost in 2026
Free Downloads | Income Tax
Freelancer Income Tax Calculator Excel Free Download
Freelancer Income Tax Calculator Excel FY 2025-26 | Free Download | TaxBizMantra 🆓 Free Download Finance Act 2025 AY 2026-27 ✓ Zero Formula Errors Download Freelancer Income Tax Calculator Excel under Section 44ADA for FY 2025-26 (AY 2026-27) India’s most detailed Excel-based income tax calculator for…
Read More Freelancer Income Tax Calculator Excel Free Download
Personal Finance
SIP vs Home Loan Prepayment in 2026: Where Should Your Annual Bonus Go?
Your annual bonus can create wealth — or silently disappear in loan interest. Compare SIP returns vs home loan prepayment using real Indian examples, tax rules, and the powerful 60:40 hybrid strategy.
Read More SIP vs Home Loan Prepayment in 2026: Where Should Your Annual Bonus Go?
Personal Finance
Your Bank Approved the Loan — But Can Your Finances Actually Handle It?
Most Indians calculate home loan eligibility based on what banks approve — not what their finances can safely sustain. This guide explains the ideal EMI-to-income ratio, FOIR limits, salary-wise EMI benchmarks, and real-world affordability across Indian cities.
Read More Your Bank Approved the Loan — But Can Your Finances Actually Handle It?