Wait for Form 16 — Everything Starts Here Every ITR filing season starts with one thing — waiting for Form 16. And with this the question arises, How to file ITR ? Form 16 is the document your employer issues after the financial year ends. It contains everything the Income Tax Department needs to know … Read more
The Fact That Surprised Me After 11 Years I have been a PSU employee for 11 years. I checked my salary slip every month. But one fact about my PF took years to actually sink in. My employer contributes 12% of my Basic Pay toward PF every month — matching my own contribution exactly. I … Read more
Why Your Salary Slip Is the Most Important Document You’re Ignoring Every month, without fail, your salary slip lands in your inbox or on your ESS portal. And every month, most PSU employees do one of two things with it — check the net pay figure at the bottom, or download it and forget it … Read more
The Question I Get Every January Every January, without fail, my phone starts ringing. Colleagues from my department, juniors from other units, sometimes even seniors with more years of service than me — all calling with the same question: “Which tax regime should I choose, old or new?” The question comes every year because our … Read more
What My Salary Actually Looks Like (Most PSU Employees Don’t Know This) My April 2026 payslip shows a gross salary of ₹ 67,000. But the money that actually lands in my Bank account? ₹ 44,000. That ₹ 23,000 gap is the first thing that shocks most new PSU joiners — including me when I started … Read more