# Finance ki Baat ## Posts - [Electric Vehicles in India – Investment Opportunities & Future](https://financekibaatein.com/2026/04/17/electric-vehicles-india-investment-2026/): Electric Vehicles India में तेजी से बढ़ रहे हैं। इस guide में जानिए EV sector में investment opportunities, top stocks, risks और future outlook 2026। - [How to Generate Passive Income in 2026](https://financekibaatein.com/2026/04/13/monthly-passive-income-2026-india/): Create a steady monthly passive income in 2026 with smart investment strategies. Learn how to generate income from mutual funds, FD, dividend stocks, REITs, and digital sources like blogging. A simple step-by-step guide for Indian investors to achieve financial freedom. - [GST ITC Blocking Under Rule 86A: Notice Requirements & Legal Safeguards (2026 Guide)](https://financekibaatein.com/2026/03/30/gst-itc-blocking-rule-86a-guide/): GST ITC blocked without notice? Understand Rule 86A, when ITC can be blocked, legal safeguards, time limits, and important case laws every taxpayer must know. - [31 March Tax Deadline: Sidestep These Last-Minute Tax Saving Mistakes](https://financekibaatein.com/2026/03/27/tax-saving-mistakes-before-31-march-2026-2/): Avoid costly last-minute tax saving mistakes before 31 March 2026. Learn what to do, what to avoid, and smart strategies to save tax without locking your money in wrong investments. - [Avoid These Top Tax Saving Mistakes Before 31st March](https://financekibaatein.com/2026/03/24/tax-saving-mistakes-before-31-march-2026/): Avoid last-minute tax planning mistakes before 31st March 2026. Learn how to save tax smartly, maximize deductions, and avoid penalties with this practical guide. - [Achieve a ₹1 Crore Retirement Corpus : A Smart Investor's Guide](https://financekibaatein.com/2026/03/23/build-1-crore-retirement-corpus-india/): Want to build ₹1 crore for retirement? Learn how SIP, compounding, and smart investing can help you achieve this goal step-by-step. - [Top 10 Personal Finance Mistakes to Avoid](https://financekibaatein.com/2026/03/20/top-personal-finance-mistakes-india-2026/): Discover the most common personal finance mistakes Indians make and how to avoid them for better financial planning and wealth creation in 2026. - [Don't Make These Income Tax Return Blunders in 2026](https://financekibaatein.com/2026/03/17/income-tax-return-filing-mistakes-2026/): Filing your ITR in 2026? Avoid these common mistakes that can lead to notices, penalties, and delayed refunds. Complete checklist inside. - [How Much Should You Invest Every Month in 2026?](https://financekibaatein.com/2026/03/16/how-much-should-you-invest-every-month-2026/): Wondering how much you should invest every month in 2026? This practical guide explains ideal investment percentages, monthly SIP strategies, and wealth-building techniques for Indian investors. - [Auto Industry Outlook in India (2026) – Insights and Trends](https://financekibaatein.com/2026/03/14/auto-industry-outlook-india-2026/): The Indian automobile industry is undergoing major transformation with electric vehicles, government incentives, and rising demand. This article explores the outlook of the auto sector in India and future trends shaping the industry. - [Income Tax Slabs 2026: Old vs New Regime - Smart Tax Tips](https://financekibaatein.com/2026/03/12/income-tax-slabs-2026-old-vs-new-regime-comparison/): Income Tax Slabs 2026 explained with detailed comparison of Old vs New Regime, Section 87A rebate ₹12,000, surcharge differences, home loan deductions, capital gains rules, and strategic tax planning insights for FY 2025-26. - [Inflation Quietly Destroys Your Wealth (2026 Guide)](https://financekibaatein.com/2026/03/10/inflation-destroys-wealth-india-2026/): Inflation quietly erodes the value of money over time. This guide explains how inflation destroys wealth, how the Rule of 72 works, and which investments can help Indian investors beat inflation. - [GST & AIS Data Matching: Transforming Indian Business Compliance in 2026](https://financekibaatein.com/2026/03/09/gst-ais-data-matching-india-2026/): The integration of GST and AIS data is changing the way tax compliance works in India. Businesses must now reconcile GST turnover with Income Tax returns and AIS statements to avoid mismatch notices and scrutiny. - [Reassessment Under Income Tax – Grounds, Approvals & Legal Remedies Explained (2026 Guide)”](https://financekibaatein.com/2026/03/08/income-tax-reassessment-2026-grounds-approval-defence/): Reassessment under the Income Tax Act can reopen completed assessments, but it must follow strict legal safeguards. This guide explains the basis of reassessment, required approvals under Section 151, time limits, and defence options available to taxpayers in 2026. - [Retirement Planning in India (2026): A Complete Guide](https://financekibaatein.com/2026/03/06/retirement-planning-india-2026-guide/): A complete 2026 guide to retirement planning in India covering retirement corpus, income after 60, senior investments, tax planning, and emergency fund strategy. - [How to Build Multiple Income Streams After 60 in India](https://financekibaatein.com/2026/03/02/multiple-income-streams-after-60-india-2026/): Retirement income should not depend on one source. Discover how senior citizens in India can build multiple income streams after 60 using safe, tax-efficient and diversified strategies in 2026. - [Behavioural Finance – Why Investors Make Costly Mistakes](https://financekibaatein.com/2026/03/02/behavioural-finance-investor-mistakes/): Emotional investing leads to costly mistakes, while systematic investing builds wealth through discipline and strategy. Learn the key differences and which approach wins long term. - [GST Registration Cancellation under Rule 21(e) Set Aside – Guwahati High Court on Vague SCN & Natural Justice (2026)](https://financekibaatein.com/2026/02/28/gst-registration-cancellation-rule-21e-guwahati-high-court-2026/): The Guwahati High Court in Ankit Choudhary vs Union of India (2026) set aside the cancellation of GST registration under Section 29 and Rule 21(e), holding that a vague show-cause notice, cancellation under investigative dictation, and mechanical revocation rejection violate the principles of natural justice and Section 75 safeguards. - [Retirement Corpus Needed in India: A 2026 Guide](https://financekibaatein.com/2026/02/27/retirement-corpus-needed-in-india-2026/): Wondering how much retirement corpus you need in India in 2026? This practical guide explains a simple 3-step calculation method, lifestyle-based estimates, real examples, and capital gain tax planning tips to help you retire with financial confidence. - [2026 Guide: Capital Gains Tax on Shares, Funds & Property](https://financekibaatein.com/2026/02/24/capital-gains-tax-2026-shares-mutual-funds-property-guide/): Understand Capital Gains Tax in India for 2026 including STCG and LTCG rules on shares, mutual funds, and property. Learn exemptions under Sections 54, 54F, 54EC, set-off rules, tax loss harvesting, and smart planning strategies to legally reduce tax. - [Income Tax Reassessment Without Proper Inquiry – Notice Quashed by High Court (2026)](https://financekibaatein.com/2026/02/21/income-tax-section-148a-notice-quashed-2026/): n a significant 2026 ruling, the High Court quashed a reassessment notice issued under Section 148 due to failure to follow the mandatory procedure under Section 148A. The Court held that mechanical inquiry, non-application of mind, and improper approval under Section 151 render reopening proceedings invalid. This judgment reinforces that reassessment powers must be exercised strictly in accordance with law. - [Allahabad High Court ruling 2026 holding GST Appellate Authority cannot remand a case under Section 107(11) of the CGST Act 2017](https://financekibaatein.com/2026/02/21/allahabad-high-court-ruling-2026-holding-gst-appellate-authority-cannot-remand-a-case-under-section-10711-of-the-cgst-act-2017gst-appellate-authority-no-remand-section-107-11-2026/): Appellate Authority has NO power to remand the case back under Section 107(11). Anand And Anand (Law Firm) vs. Principal Commissioner, CGST & Others (2026) – Allahabad High Court Court: Allahabad High CourtCase: Anand And Anand (Law Firm) vs. Principal Commissioner CGST & OthersDate: 16 February 2026Core Issue: Can the GST Appellate Authority remand a […] - [How to Rebalance Your Investment Portfolio in 2026](https://financekibaatein.com/2026/02/20/portfolio-rebalancing-guide-2026-india/): Portfolio rebalancing helps investors control risk and maintain asset allocation discipline. A practical 2026 guide for Indian investors. - [Core-Satellite Investment Strategy in 2026: Building a Balanced Portfolio](https://financekibaatein.com/2026/02/20/core-satellite-investment-strategy-2026-india/): The Core–Satellite strategy divides your investment portfolio into stable core holdings and tactical satellite investments. A practical 2026 guide for Indian investors seeking balanced growth. - [Section 75 of CGST Act Explained: Why GST Orders Are Being Quashed for Violation of Natural Justice (2026 Update)”](https://financekibaatein.com/2026/02/17/section-75-of-cgst-act-explained-why-gst-orders-are-being-quashed-for-violation-of-natural-justice-2026-updatesection-75-cgst-act-natural-justice-2026/): Section 75 of CGST Act ensures fairness in GST adjudication. High Courts in 2026 are quashing orders passed without proper hearing or reasoned decision. - [Where Should You Invest ₹10 Lakhs in 2026? Smart Asset Allocation Strategy for Stable & Growing Income](https://financekibaatein.com/2026/02/15/where-to-invest-10-lakhs-in-2026/): Planning to invest ₹10 lakhs in 2026? Here’s a smart asset allocation strategy covering FD, mutual funds, gold and taxation—so you balance safety, growth, liquidity and monthly income. - [Where to Stash Your Emergency Fund in 2026](https://financekibaatein.com/2026/02/12/emergency-fund-planning-2026/): Emergency fund planning is essential in 2026 to protect against job loss, medical emergencies and income uncertainty. Learn how much to keep and where to park your emergency savings safely. - [GST Orders Quashed for Violation of Natural Justice – No Hearing, No Reasoned Order (2026 Case Laws)](https://financekibaatein.com/2026/02/11/gst-orders-quashed-for-violation-of-natural-justice-no-hearing-no-reasoned-order-2026-case-laws/): High Courts across India are striking down GST orders passed without proper hearing or reasoning. Learn why violation of natural justice is fatal to GST proceedings in 2026. - [Investing in Gold in 2026: Physical Gold vs ETFs vs Bonds](https://financekibaatein.com/2026/02/10/investing-in-gold-in-2026-physical-gold-vs-etfs-vs-bonds/): old prices corrected in early 2026, raising investor concerns. This blog explains the reasons, future outlook, and compares physical gold, Gold ETFs and SGBs. - [Smart Money Habits to Build Wealth Without Taking Risks](https://financekibaatein.com/2026/02/06/smart-money-habits-2026/): Building wealth in 2026 is not about risky investments but smart financial habits. This blog explains simple money habits that help ordinary people grow wealth safely and steadily. - [Fixed Deposit vs Debt Mutual Funds in 2026: Which Is Better?](https://financekibaatein.com/2026/02/03/fixed-deposit-vs-debt-mutual-funds-in-2026-which-is-better/): Fixed Deposit vs Debt Mutual Funds in 2026 – Understand the key differences in returns, risk, taxation, and liquidity to choose the right investment option based on your financial goals and tax profile. - [No More Denial of GST ITC to Bona-Fide Buyers: High Court Judgments Explained (2026)](https://financekibaatein.com/2026/02/02/no-more-denial-of-gst-itc-to-bona-fide-buyers-high-court-judgments-explained-2026/): Paid GST… still lost ITC? Imagine doing everything right—verified supplier, genuine invoice, GST paid through bank—and still receiving a GST notice saying “ITC denied because your supplier didn’t deposit tax.” Sounds unfair? In 2026, High Courts across India finally agreed with taxpayers. In a series of strong judgments, courts ruled that bona-fide buyers cannot be […] - [Senior Citizen Investment Options in 2026: Safe Income After 60](https://financekibaatein.com/2026/01/30/senior-citizen-investment-options-in-2026-safe-income-after-60/): Turning 60 is a big milestone — a time when retirement planning matters more than ever and financial safety becomes a top priority. Life after 60 brings a shift in priorities. Unlike younger investors, senior citizens should focus less on high returns and more on capital safety, steady income, and liquidity.In 2026, with changing interest […] - [Income-Tax Notice Received in 2026? Complete Guide for Notices u/s 139(9), 143(1), 148](https://financekibaatein.com/2026/01/27/income-tax-notice-received-in-2026-complete-guide-for-notices-u-s-1399-1431-148/): Receiving an income tax notice can be stressful, but understanding the reasons behind it and knowing how to respond can make a significant difference. Not every notice means penalty or scrutiny; most are procedural or corrective. This comprehensive guide aims to provide clarity on the different types of income tax notices, such as those under […] - [Section 16 of GST Act Explained: High Courts Protect Bona-Fide ITC Claims | Santhom Metacast & Anjita Dokania (2026)”](https://financekibaatein.com/2026/01/26/section-16-of-gst-act-explained-high-courts-protect-bona-fide-itc-claims-santhom-metacast-anjita-dokania-2026/): Why Section 16 of GST Creates So Much Anxiety 😟 If you’ve ever dealt with GST compliance, you already know this: Input Tax Credit (ITC) is the backbone of GST, but also its biggest pain point. On paper, Section 16 promises seamless credit.In reality, ITC is often denied for reasons beyond the taxpayer’s control—supplier defaults, […] - [Section 73 of the CGST Act, 2017 – When GST Demands Collapse Due to Procedural Lapses (2026 High Court Rulings Explained)](https://financekibaatein.com/2026/01/23/section-73-of-the-cgst-act-2017-when-gst-demands-collapse-due-to-procedural-lapses-2026-high-court-rulings-explained/): Section 73 of the Central Goods and Services Tax Act, 2017 governs recovery of tax or input tax credit where non-payment, short-payment, erroneous refund, or wrongful availment does not involve fraud, wilful misstatement, or suppression of facts. In recent 2026 judgments, several High Courts have reiterated that procedural safeguards and principles of natural justice are […] - [Invest Wisely in 2026: Fixed Deposits vs Mutual Funds vs Bonds vs Gold](https://financekibaatein.com/2026/01/21/invest-wisely-in-2026-fixed-deposits-vs-mutual-funds-vs-bonds-vs-gold/): Short answer: there is no single best option — the right choice depends on your investment horizon, risk tolerance and financial goals. For capital preservation choose fixed deposits, for growth consider mutual funds, while bonds and gold serve as stabilisers or inflation hedges in a diversified portfolio. As we navigate the complexities of investing in […] - [Insurance Coverage for Driver under Section 147 MV Act: Himachal Pradesh High Court on Employees’ Compensation Liability](https://financekibaatein.com/2026/01/19/insurance-coverage-for-driver-under-section-147-mv-act-himachal-pradesh-high-court-on-employees-compensation-liability/): Himachal Pradesh High Court holds that proviso (i) to Section 147 MV Act mandates insurance coverage for drivers to the extent of Employees’ Compensation liability. In a significant ruling, the Himachal Pradesh High Court has clarified that proviso (i) to Section 147(1)(b) of the Motor Vehicles Act, 1988 mandates insurance coverage for a driver to […] - [Stock Market in 2026: Risks, Opportunities & Mistakes Retail Investors Must Avoid](https://financekibaatein.com/2026/01/19/stock-market-in-2026-risks-opportunities-mistakes-retail-investors-must-avoid/): As 2026 approaches, global recession fears have risen — surveys (verify source) report high concern among international investors — and those shocks often transmit to India via trade, capital flows and currency moves. Indian retail investors should therefore view 2026 through a dual lens: global headwinds and domestic resilience. The Indian stock market forecast for […] - [SC in Armour Security: Summons ≠ “Proceedings” | No Parallel GST Action on Same Subject Matter](https://financekibaatein.com/2026/01/13/sc-in-armour-security-summons-%e2%89%a0-proceedings-no-parallel-gst-action-on-same-subject-matter/): The Supreme Court’s decision in Armour Security (India) Ltd. vs. Commissioner, CGST, Delhi is a landmark ruling under GST law, especially for companies and directors frequently facing summons and parallel actions by Central and State GST authorities. This judgment finally settles a long-standing controversy: Armour Security (India) Ltd. vs. Commissioner, CGST, Delhi East Commissionerate [2025] […] - [No More Denial of ITC to Bona-Fide Buyers if Supplier Fails to Pay GST](https://financekibaatein.com/2026/01/13/no-more-denial-of-itc-to-bona-fide-buyers-if-supplier-fails-to-pay-gst/): Tripura High Court Reads Down Section 16(2)(c) of CGST Act Case Details 🔍 Background of the Case ⚖️ Legal Issue Before the Court Can Input Tax Credit (ITC) be denied to a bona-fide purchaser solely because the supplier failed to deposit GST with the Government? 📜 Relevant Statutory Provisions 🔹 Section 16(2)(c), CGST Act, 2017 […] - [GST Notices Uploaded on Portal Alone Not Valid Service: Allahabad & Madras High Courts](https://financekibaatein.com/2026/01/09/1767/): If a Taxpayer Does Not Respond to GST Portal Notices, Officer Must Explore Other Modes of Service Before Passing Ex-Parte Order: Madras High Court Case Summary Background of the Case (In Simple Terms) In this case, the GST Department issued a show cause notice (SCN) and subsequent communications only by uploading them on the GST […] - [Gold vs Silver in 2026: Should you buy after record rallies?](https://financekibaatein.com/2026/01/05/gold-vs-silver-in-2026-should-you-buy-after-record-rallies-2/): In 2025, gold and silver reached record highs — according to market reports gold rallied by roughly 66% and was near $4,325 at year-end (see sources such as the World Gold Council and LBMA for exact figures). This sharp move reflected a mix of inflation concerns, central-bank activity and heightened geopolitical risk that pushed investors […] - [GST Registration Cancellation Set Aside for Violation of Natural Justice](https://financekibaatein.com/2026/01/02/gst-registration-cancellation-set-aside-for-violation-of-natural-justice/): Prakash Kumar Nayak vs. Commissioner, CT & GST & Anr. Orissa High Court | WP(C) No. 36279 of 2025 | Decided on 19 December 2025 🔹 Introduction In a significant judgment reinforcing the principles of natural justice and procedural fairness, the Orissa High Court in Prakash Kumar Nayak vs. Commissioner, CT & GST held that […] - [🚛 Expired E-Way Bill Due to System Error Cannot Attract GST Penalty](https://financekibaatein.com/2026/01/02/%f0%9f%9a%9b-expired-e-way-bill-due-to-system-error-cannot-attract-gst-penalty/): Metropolis Logistics Pvt. Ltd. vs. Additional Commissioner & Ors. Allahabad High Court | Writ Tax No. 233 of 2020 | Decided on 16.12.2025 🔹 Introduction The Allahabad High Court, in a significant judgment, has once again clarified that mere expiry of an e-way bill—without any intention to evade tax—cannot justify seizure of goods or imposition […] - [GST Compliance Tightened: GSTN Advisory on ITC Reversal, RCM Ledger & E-Way Bill Controls After CAG Observations”](https://financekibaatein.com/2026/01/01/gst-compliance-tightened-gstn-advisory-on-itc-reversal-rcm-ledger-e-way-bill-controls-after-cag-observations/): Centre Tightens GST E-Way Bill Norms After CAG Flags Systemic Flaws Government Strengthens E-Way Bill Controls to Plug Compliance Gaps The Ministry of Finance, in response to observations made by the Comptroller and Auditor General of India (CAG), has confirmed that significant system-level corrections have been implemented in the GST E-Way Bill mechanism. These reforms […] - [GST Registration Cancelled for Non-Filing of Returns? Guwahati High Court Grants Relief to Taxpayer](https://financekibaatein.com/2025/12/31/gst-registration-cancelled-for-non-filing-of-returns-guwahati-high-court-grants-relief-to-taxpayer/): [2025] 181 taxmann.com 437 (Guwahati High Court) 📅 Order Date: 26 November 2025⚖ Court: Guwahati High Court📚 Subject: GST Registration Cancellation – Natural Justice – Restoration of Registration Guwahati High Court in Monojit Debnath vs Union of India & 3 Ors. (WP(C) 6486/2025) held that cancellation of GST registration solely on account of non-filing of […] - [Health Insurance in 2026: Limits, Sub-Limits, Rejections](https://financekibaatein.com/2025/12/30/health-insurance-in-2026-limits-sub-limits-rejections/): As we approach 2026, understanding the intricacies of health insurance is essential — especially as hospital charges and room rent continue to rise across India. Many patients discover that >having a policy doesn’t guarantee full cover; hidden sub-limits and other terms can lead to claim rejections. The complexity of health insurance policies, notably rules on […] - [Term Insurance vs ULIP vs Endowment Plan – Which Is the Best Insurance Plan in India](https://financekibaatein.com/2025/12/30/term-insurance-vs-ulip-vs-endowment-plan-which-is-the-best-insurance-plan-in-india/): In India, many people find it hard to distinguish between insurance and investment, which can make choosing the right plan confusing. This guide explains the differences clearly so you can pick the plan that best supports your financial goals. Published with a 2026 perspective, this article is written for young professionals, families and pre‑retirees who […] - [Term Insurance in 2026: Choosing Cover, Riders, Claim Safety & Mistakes](https://financekibaatein.com/2025/12/30/term-insurance-in-2026-choosing-cover-riders-claim-safety-mistakes/): As we approach 2026, term insurance remains a practical, cost‑effective protection tool for securing your family’s finances against rising medical bills, inflation and other lifestyle risks. Choosing the right cover and the appropriate riders can make a material difference to your dependents’ financial security. Recent industry research, such as the Max Life India Protection Quotient […] - [Unexplained Money, Investment & Expenditure – How Income Tax Treats Undisclosed](https://financekibaatein.com/2025/12/29/unexplained-money-investment-expenditure-how-income-tax-treats-undisclosed/): Unexplained or undisclosed income occurs when an assessee holds sums or assets that are not recorded in the books of accounts or lack a verifiable source. The Income Tax Act contains dedicated provisions to identify, treat and tax such amounts — for example, section 68 deals with unexplained cash credits — and the tax authorities […] - [Core–Satellite Portfolio for 2026: Passive core + active satellite (India)](https://financekibaatein.com/2025/12/29/core-satellite-portfolio-for-2026-passive-core-active-satellite-india/): A practical, balanced investment approach is essential for Indian investors entering FY 2026-27, as markets face elevated macro uncertainty and episodic volatility. Recent trends — including increased flows into index funds and periodic swings in global rates — make a disciplined, diversified plan more important than ever. The Core–Satellite Portfolio strategy combines the stability of […] - [Gold vs Silver in 2026: Should You Buy After Record Rallies?](https://financekibaatein.com/2025/12/29/gold-vs-silver-in-2026-should-you-buy-after-record-rallies/): The prices of precious metals, particularly gold and silver, have surged in recent years, reaching new highs during December as investors reacted to economic and policy uncertainty and rising geopolitical tensions. With the market on edge, many private and professional investors are asking a straightforward question: Is it too late to buy gold or silver […] - [Smart Money Habits & Financial Planning for 2026](https://financekibaatein.com/2025/12/26/smart-money-habits-financial-planning-for-2026/): As we approach 2026, the financial landscape will be increasingly shaped by AI tools, rising inflation and job uncertainty. Adopting practical smart money habits — automated savings, regular budgeting and small, consistent steps — is essential to protect and grow your finances. According to Latina wealth activist Lea Landaverde, building wealth begins with small, consistent […] - [Cancellation of GST Registration for Non-Filing of Returns – Relief Granted by Courts](https://financekibaatein.com/2025/12/26/cancellation-of-gst-registration-for-non-filing-of-returns-relief-granted-by-courts/): Analysis of Sakshi Enterprises & Shriyaa Enterprises Decisions 📌 Relevant Legal Provision Section 29 of the CGST Act, 2017 – Cancellation of Registration Section 29 empowers the GST authorities to cancel a registered person’s GST registration under specified circumstances, including: However, cancellation is not intended to be punitive, especially when the taxpayer is willing to […] - [Personal Hearing Mandatory Before Passing GST Order – Gujarat High Court Sets Aside Order for Violation of Natural Justice](https://financekibaatein.com/2025/12/26/personal-hearing-mandatory-before-passing-gst-order-gujarat-high-court-sets-aside-order-for-violation-of-natural-justice/): Case Title [Name of Petitioner] vs. State of Gujarat & Ors.Court: Gujarat High CourtBench: Hon’ble Mr. Justice A.S. SupehiaOrder Date: 28 August 2024 (OIO) | 06 March 2025 (Appeal)Provision Involved: Section 75 of the Gujarat GST Act, 2017 Brief Background of the Case The petitioner challenged: on the ground that no proper opportunity of personal […] - [Minor E-Way Bill Errors Like Wrong PIN Code Do Not Warrant Seizure](https://financekibaatein.com/2025/12/23/minor-e-way-bill-errors-like-wrong-pin-code-do-not-warrant-seizure/): Allahabad High Court Quashes GST Seizure Order 4 Case Details Background of the Case The petitioner, RC Sales and Services, a proprietorship firm registered under the GST law, was engaged in the business of supplying threshing and crushing machinery. The firm received an order from M/s Baba Hans Construction Pvt. Ltd. and raised a valid […] - [Private Lending in India: Navigating the Legalities & Risks](https://financekibaatein.com/2025/12/23/private-lending-in-india-navigating-the-legalities-risks/): The private credit market in India has experienced notable expansion recently, with reported deal values rising by 22.4% in the first half of FY 2024–25. This growth reflects stronger demand for alternative financing and the greater flexibility that private lending can offer compared with traditional banking routes. As private lending becomes more prominent, both individual […] - [Best Investment Options in India for 2026: Safe, Medium & High-Return Choices](https://financekibaatein.com/2025/12/23/best-investment-options-in-india-for-2026-safe-medium-high-return-choices/): As we enter 2026, investors in India must navigate a wider range of investment options than ever before — each with differing risk, return and tax characteristics. With macro pressures such as lingering inflationary concerns and global geopolitical friction, choosing the right mix of assets matters more for long‑term outcomes. Recent forecasts from the Reserve […] - [“High Courts Reinforce Rule of Law in GST: Arbitrary Orders, Defective Notices & Procedural Lapses Quashed”](https://financekibaatein.com/2025/12/22/high-courts-reinforce-rule-of-law-in-gst-arbitrary-orders-defective-notices-procedural-lapses-quashed/): This blog discusses a series of recent High Court judgments where GST authorities were pulled up for serious procedural lapses and arbitrary exercise of power. In these cases, the Courts quashed non-speaking GST orders, rejected the routine justification that a “reply was not satisfactory”, and warned GST officers of contempt proceedings for ignoring judicial directions […] - [High Court Rulings under GST Strengthen Due Process and Protect Bona-Fide Buyers: Key Judgments on Section 74, ITC Denial, SCN Defects and Registration Cancellation](https://financekibaatein.com/2025/12/15/high-court-rulings-under-gst-strengthen-due-process-and-protect-bona-fide-buyers-key-judgments-on-section-74-itc-denial-scn-defects-and-registration-cancellation/): No Evidence of Fraud: Allahabad High Court Quashes Section 74 Demand and Restores Buyer’s ITC Saniya Traders vs. Additional Commissioner Grade-II & Another Allahabad High Court | WRIT TAX No. 1743 of 2024 | Order dated 03 December 2025 1. Background of the Case The petitioner, Saniya Traders, is a registered GST dealer engaged in […] - [Best Electric Scooters in India 2026: Range, Price & More](https://financekibaatein.com/2025/12/13/best-electric-scooters-in-india-2026-range-price-more/): The Indian market for electric two-wheelers has witnessed a significant shift in recent years, driven by rising fuel prices and improved EV infrastructure. As the government continues to support the adoption of electric vehicles, buyers are increasingly looking for the most suitable options. When comparing electric scooters, key factors such as range and price play […] - [Best Term Insurance Plans in India for 2026: Comparison, Benefits & How to Choose](https://financekibaatein.com/2025/12/13/best-term-insurance-plans-in-india-for-2026-comparison-benefits-how-to-choose/): In an uncertain world, securing the financial future of loved ones is paramount. Term insurance is one of the simplest and most effective ways to provide that protection. A pure protection plan, term insurance pays a lump-sum death benefit (the sum assured) to your nominee if the policyholder dies during the policy term. It does […] - [“Landmark High Court Judgments on GST: Enforcement, Penalties, and Taxpayer Relief”](https://financekibaatein.com/2025/12/12/landmark-high-court-judgments-on-gst-enforcement-penalties-and-taxpayer-relief/): Section 130 of the CGST Act cannot be invoked to deal with excess Stock found in the GST Survey: High Court. Below is a professional, detailed analysis of the Allahabad High Court decision (State of U.P. Through Deputy Commissioner v. Additional Commissioner Grade-2 (Appeal) Commercial Tax, Aligarh & Anr., Writ Tax Nos. 609, 611, 614, […] - [GST Updates: Rule 10A Bank Account Compliance & Consolidated Notices for Multiple Financial Years](https://financekibaatein.com/2025/12/05/gst-updates-rule-10a-bank-account-compliance-consolidated-notices-for-multiple-financial-years/): GSTN Advisory for Furnishing of Bank Account Details as per Rule 10A As per Rule 10A, taxpayers (except those registered under TCS, TDS, or suo-moto registrations) must furnish their bank account details within 30 days of the grant of registration or before filing details of outward supplies in GSTR-1 or IFF, whichever is earlier. The […] - [Is Long-Term Investing Dead? Experts Weigh In](https://financekibaatein.com/2025/12/05/is-long-term-investing-dead-experts-weigh-in/): Is long term investing dead — or simply misunderstood in a world of faster markets and louder headlines? This article examines the evidence and expert opinion so investors can decide whether a patient, long-term approach still suits their goals. Historically, the stock market has produced both large gains and sharp drawdowns. As Quentin Fottrell noted […] - [Home-maker Term Insurance: Coverage, Conditions, and Considerations](https://financekibaatein.com/2025/12/05/home-maker-term-insurance-coverage-conditions-and-considerations/): Homemaker term insurance is a vital financial protection tool, providing coverage in case of unforeseen events. It is essential for homemakers to have a safety net to ensure their family’s financial stability. The role of a homemaker is invaluable, and their contribution to the family is often overlooked. However, their sudden absence can lead to […] - [Silver ETFs Surge Over 100% in 2025 - Should You Cash Out?](https://financekibaatein.com/2025/12/05/silver-etfs-surge-over-100-in-2025-should-you-cash-out/): The year 2025 has been remarkable for silver investment, with silver ETFs surging by more than 100%. This significant rise is driven by a structural supply deficit and strong industrial demand. As the value of silver ETFs continues to skyrocket, investors are faced with a crucial decision: whether to cash out their profits or ride […] - [Brief Notes on High Court Judgment](https://financekibaatein.com/2025/12/04/brief-notes-on-high-court-judgment/): 1. Presence of Fraud is Mandatory to Invoke Section 74 (CGST) BP Oil Mills Ltd. vs Additional Commissioner Grade-2 & Another Allahabad High Court | Writ Tax No. 1843/2024, 1841/2024, 1844/2024Date: 17 November 2025 Case Background Issue Whether initiation of proceedings under Section 74 was valid in absence of: Legal Provisions & Circular Court’s Findings […] - [](https://financekibaatein.com/2025/11/18/1549/): Mediclaim and Term Insurance: Why You Need Both In an uncertain world, protecting your family’s future starts with the right insurance choices. Health and life insurance are complementary pillars of a sound financial plan: mediclaim (a form of health insurance focused mainly on hospitalisation and related medical expenses) prevents hospital bills from draining savings, while […] - [No Penalty for E-way Bill Generated after Dispatch of goods but before Interception by GST Officers: High Court](https://financekibaatein.com/2025/11/18/no-penalty-for-e-way-bill-generated-after-dispatch-of-goods-but-before-interception-by-gst-officers-high-court/): Petitioner (Applicant) Om Enterprises Respondent Additional Commissioner, Grade – 2 (Appeal) And Another Court Allahabad High Court State Uttar Pradesh Date Nov 13, 2025 Order No. Writ Tax No. – 629 of 2023                                                                      A) Core issue Whether goods can be detained and penalty under section 129(3) imposed when the e-way bill was not with the […] - [Recent GST High Court Judgments – Simplified Analysis](https://financekibaatein.com/2025/11/12/recent-gst-high-court-judgments-simplified-analysis/): 1. Can the GST Department Start Recovery Immediately After Appeal Window? Petitioner (Applicant) Giniminds Solutions Pvt. Ltd. Respondent State of Karnataka & OTHERS Court Karnataka High Court State Karnataka Date Nov 4, 2025 Order No. WP No. 12307 of 2025 C/W WP No. 18436 of 2024 Issue: Whether the department can begin recovery as soon […] - [GSTN Advisory applicable from October 2025](https://financekibaatein.com/2025/10/02/gstn-advisory-applicable-from-october-2025/): Important Dates 1. Invoice-wise Reporting in Form GSTR-7 (From September 2025) Who deducts TDS under GST (Form GSTR-7)? Role of Scrap Dealers 2. Restriction on Filing GST Returns Beyond 3 Years (From October 2025) Illustration : For ease of reference and better clarity, the latest GST returns that will be barred from filing w.e.f 1st […] - [Post GST Rate Cut, Non-Reduction Of Price Cannot Be Justified By Adding Extra Quantity At Same MRP : Delhi High Court](https://financekibaatein.com/2025/09/30/post-gst-rate-cut-non-reduction-of-price-cannot-be-justified-by-adding-extra-quantity-at-same-mrp-delhi-high-court/): Here’s a professional case brief of Sharma Trading Company v. Union of India & Ors., W.P.(C) 13194/2018 (Delhi High Court, decided on 23.09.2025) KEY POINTS Core purpose: GST rate reductions are intended to lower consumer prices. No substitutes for price cuts: Keeping the same MRP while increasing quantity/grammage or running freebie/bundling schemes does not satisfy […] - [Time Limits for Issuance of Notice & Order under sections 73 & 74 in GST?](https://financekibaatein.com/2025/09/29/time-limits-for-issuance-of-notice-order-under-sections-73-74-in-gst/): 1. Legal Framework Section 73 (Non-fraud cases) Section 74 (Fraud, wilful misstatement, suppression cases) ⚖️ Both sections are directly linked to the due date of GSTR-9, including extensions granted through Notifications. Compliance Alert as of 30th September 2025 A. GSTR-9 (Annual Return) Due Dates FY GSTR-9 Due Date Legal Provision / Notification 2017-18 05-02-2020 (07-02-2020 […] - [Agricultural Income as per the Income Tax Act 1961, its taxation and exemption, how it is being misused, although very risky in 2025( Complete Guideline)](https://financekibaatein.com/2025/09/25/agricultural-income-as-per-the-income-tax-act-1961-its-taxation-and-exemption-how-it-is-being-misused-although-very-risky-in-2025-complete-guideline/): Under Section 2(1A) of the Income-tax Act, “agricultural income” covers four buckets: Central tax treatment: Agricultural income is exempt from Central income tax u/s 10(1). You still disclose it in your ITR (Schedule “EI”). 2) Quick classifier — what’s in / what’s out Treated as agricultural income (exempt u/s 10(1)) Not agricultural income (taxable as […] - [EV Policy and Battery Station Infrastructure in India by 2025](https://financekibaatein.com/2025/09/25/ev-policy-and-battery-station-infrastructure-in-india-by-2025/): The Indian government has been actively promoting the adoption of electric vehicles through various initiatives and incentives. As a result, India’s EV charging infrastructure sector is at a critical inflection point, with Indian electric distribution companies poised to play a pivotal role. By 2025, India’s EV policy and battery infrastructure are expected to shape the […] - [New Changes in Invoice Management System (IMS) from Oct 2025](https://financekibaatein.com/2025/09/24/new-changes-in-invoice-management-system-ims-from-oct-2025/): This is to bring to your notice that several new changes have been introduced in the Invoice Management System (IMS) to simplify the taxation system and reduce the compliance burden on the taxpayers. The following are the key updates 1. Pending Action for Specified Records Earlier, taxpayers had to immediately accept/reject supplier records in IMS. […] - [Frequently Asked Questions-2 (FAQs-2) on the decisions of the 56th GST Council held in New Delhi](https://financekibaatein.com/2025/09/18/frequently-asked-questions-2-faqs-2-on-the-decisions-of-the-56th-gst-council-held-in-new-delhi/): Q1. Do medicines in stock before 22nd Sept 2025 need re-labelling of MRP? Q2. GST on drones Q3. GST on bricks 📊 Table: GST on Bricks Type of Brick Rate without ITC Rate with ITC Normal Bricks 6% 12% Sand Lime Bricks — 5% Q4 & Q5. Life & Health Insurance Q6 & Q7. Hotel […] - [After Cancellation of GST Registration, Tax Payer Is Not Supposed to Check GST Portal for Notices: High Court Ruling](https://financekibaatein.com/2025/09/16/after-cancellation-of-gst-registration-tax-payer-is-not-supposed-to-check-gst-portal-for-notices-high-court-ruling/): Facts of the Case ⚖️ Court’s Reasoning 🏛️ Court’s Decision Case Background 🔑 Crux (in simple words) 👉 In short: The Court protected the taxpayer’s right to fair hearing and reminded the GST department that cancellation of registration changes how notices should be served. Practical Takeaways from the Judgment ✅ For Taxpayers ✅ For GST […] - [GST Registration and Tax Liability on Insurance Agents Commission Income: Detailed Analysis](https://financekibaatein.com/2025/09/14/gst-registration-and-tax-liability-on-insurance-agents-commission-income-detailed-analysis/): GST Rules for Insurance Agents Insurance agents earn commission from insurance companies. The main questions are: Let’s break this down. 🔹 Key Provisions 🔹 Practical Examples in Table Form Example Commission Income Other Service Income Total Turnover GST on Commission? GST Registration Required? GST on Other Income? 1 5,00,000 – 5,00,000 ❌ (Insurance Co. pays […] - [Clarification on various doubts related to treatment of secondary or post-sale discounts under GST Circular No. 251/08/2025-GST](https://financekibaatein.com/2025/09/14/clarification-on-various-doubts-related-to-treatment-of-secondary-or-post-sale-discounts-under-gst-circular-no-251-08-2025-gst/): 1. Input Tax Credit (ITC) on discounted payments via financial/ commercial credit notes 👉 In simple terms: You still get full ITC even if you paid less to your supplier because of a post-sale discount, as long as GST amount on the invoice hasn’t been reduced. 2. Whether post-sale discounts are “consideration” for dealer’s supply […] - [Tap Into Your Mutual Funds for a Loan: A Guide](https://financekibaatein.com/2025/03/16/tap-into-your-mutual-funds-for-a-loan-a-guide/): Do you need money quickly but don’t want to sell your investments? A loan against mutual funds could be the answer. It lets you use your investments as collateral, giving you quick access to cash for personal or business needs. In India, you can use your mutual fund units to get a loan. This comes […] - [Don't Risk It: The Importance of Travel Insurance](https://financekibaatein.com/2025/03/16/dont-risk-it-the-importance-of-travel-insurance/): Planning an international trip? Don’t forget about travel insurance. It’s a must-have for financial protection against unexpected events. This includes trip cancellations, medical emergencies, and lost or stolen items. It ensures you’re safe from financial losses, giving you peace of mind. Key Takeaways Understanding the Critical Role of Travel Insurance When planning your trip, remember […] - [Term Life Insurance in Your 50s: What to Consider](https://financekibaatein.com/2025/03/15/term-life-insurance-in-your-50s-what-to-consider/): When you reach your 50s, it’s key to think about your financial security and your loved ones’ well-being. Term life insurance acts as a safety net. It ensures your dependents are financially secure and can keep their lifestyle if you pass away. With the cost of living going up and unexpected bills, term life insurance […] - [Keeping Your Portfolio Steady Amid Volatility](https://financekibaatein.com/2025/03/13/keeping-your-portfolio-steady-amid-volatility/): As an investor, you might worry about market volatility affecting your portfolio. The Indian Rupee has hit a record low, and crude oil prices are over USD 81 per barrel. It’s key to have a diverse portfolio to reduce risks. BlackRock says a balanced portfolio is vital for managing risks and reaching long-term goals. You […] - [NSC vs Bank FDs: Which Offers Better Tax Savings?](https://financekibaatein.com/2025/03/13/nsc-vs-bank-fds-which-offers-better-tax-savings/): When looking at tax savings in India, you might wonder about NSCs and bank FDs. Both are good for guaranteed returns and tax benefits under Section 80C. NSCs are backed by the Government of India, giving you financial security. Bank FDs, on the other hand, let you choose how often you get interest and for […] - [Suzuki Scooters Dominate the 125cc Segment: Here's Why](https://financekibaatein.com/2025/03/13/suzuki-scooters-dominate-the-125cc-segment-heres-why/): When looking at the Indian market, Suzuki scooters stand out in the 125cc segment. Models like the Access 125, Burgman Street, and Avenis 125 have made Suzuki a leader. Their success comes from a strong product range and understanding what customers want, giving them a 15% share of the scooter market. Suzuki’s sales in the […] - [Gold Outshines Equities in 5 Years: Top 6 Factors for 2025](https://financekibaatein.com/2025/03/13/gold-outshines-equities-in-5-years-top-6-factors-for-2025/): Gold has seen a big rise in value over the last five years in India. It has made 70%-75% returns, while the Sensex has made 50%-60%. Prithviraj Kothari of RiddiSiddhi Bullions points out this difference. This shows more people are choosing gold over stocks, especially when things are uncertain. Looking ahead to 2025, experts say […] - [Debt MFs Can't Be Ignored: The Investment You Need](https://financekibaatein.com/2025/03/05/debt-mfs-cant-be-ignored-the-investment-you-need/): Debt mutual funds are key for a strong investment portfolio. They invest in things like government bonds and corporate bonds. This makes them a safe choice with less risk. They are important for your investment plan. They protect your money when the market is shaky. They also help keep your portfolio balanced. Debt mutual funds […] - [Balanced Advantage Funds: Navigating Volatility with Confidence](https://financekibaatein.com/2025/02/28/balanced-advantage-funds-navigating-volatility-with-confidence/): As an investor in India, you know about market ups and downs. Your investment plan should handle these changes well. Balanced advantage funds can help, offering a mix of stocks and bonds that changes with the market. They help balance your investments, reducing risk while looking for growth. This makes them a smart choice for […] - [Personal Loan Types, Sources & Interest Pros/Cons](https://financekibaatein.com/2025/02/28/personal-loan-types-sources-interest-pros-cons/): Understanding personal loans is key. There are many types, sources, and interest rates. Loans can be unsecured or secured, from banks, online lenders, or non-banking companies. Interest rates vary, from 8% to 36%, based on the lender and your credit score. Knowing the pros and cons helps you choose wisely. Personal loans are flexible and […] - [Is Buying Jewelry with a Credit Card a Good Idea?](https://financekibaatein.com/2025/02/28/is-buying-jewelry-with-a-credit-card-a-good-idea/): Thinking about buying jewelry with a credit card? The average engagement ring costs around $5,500. It’s key to think about the good and bad sides of using a credit card for such a big buy. Credit cards can help by offering rewards, cashback, and ways to pay over time. But, high interest rates and spending […] - [Tesla's India Entry: Shaking Up the Auto Industry?](https://financekibaatein.com/2025/02/28/teslas-india-entry-shaking-up-the-auto-industry/): Are you thinking about getting a new car? Tesla, a top electric car maker, is coming to India. They plan to open showrooms in New Delhi and Mumbai by April 2025. They will offer electric cars like the Tesla Model 3, which goes from 0-100 km/h in just 2.9 seconds. The prices for Tesla cars […] - [Mutual Credit Guarantee Scheme for MSME Success in 2025](https://financekibaatein.com/2025/02/28/mutual-credit-guarantee-scheme-for-msme-success-in-2025/): The Union government has launched the Mutual Credit Guarantee Scheme for MSMEs. It offers collateral-free loans up to Rs100 crore. This move is a big step towards boosting business growth and the economy in India. The National Credit Guarantee Trustee Company Ltd (NCGTC) guarantees 60% of these loans. This means MSMEs can get credit to […] - [Will Gold Hit the $3,000 Mark in 2025?](https://financekibaatein.com/2025/02/28/will-gold-hit-the-3000-mark-in-2025/): Thinking about investing in gold? You might wonder if it will hit $3,000 by 2025. The current price on COMEX is $2,952 per ounce. It’s key to look at the gold price forecast and what could push prices to $3,000. Gold’s price has jumped nearly 70% since September 2022, making it a tempting choice for […] - [Is Silver Set to Play Catch Up in India's 2025 Market?](https://financekibaatein.com/2025/02/28/is-silver-set-to-play-catch-up-in-indias-2025-market/): Are you thinking about investing in precious metals? You might wonder if silver will catch up in India’s 2025 market. The silver-to-gold ratio is at a record low of 0.01. This means silver is more affordable than gold right now. This ratio shows it takes 90 ounces of silver to match the value of one […] - [NPS Tax Benefit 2025: How Salaried & Self-Employed Can Save](https://financekibaatein.com/2025/02/27/nps-tax-benefit-2025-how-salaried-self-employed-can-save/): When planning for retirement, the NPS tax benefit is key. It helps you save on income tax while planning for the future. Both salaried and self-employed people can benefit from it, making it a great way to lower your tax bill. The NPS tax benefit is a great reason to invest in the National Pension […] - [Exploring Third Party Insurance in India: Benefits and Drawbacks](https://financekibaatein.com/2025/02/27/1264/): In India, third-party insurance is a must for all car owners, thanks to the Motor Vehicles Act of 1988. It’s key to know the good and bad sides of third-party insurance. With more cars on the road, this insurance is vital. It covers damages to others’ property and injuries. Third-party insurance is cheaper than full […] - [Zero Depreciation: Unlock Savings and Protect Your Investment](https://financekibaatein.com/2025/02/27/zero-depreciation-unlock-savings-and-protect-your-investment/): Buying a new vehicle means you want it to stay in top shape. Zero depreciation insurance, or bumper-to-bumper insurance, is a great way to keep it that way. It covers all repair costs without taking depreciation into account. This makes it a popular choice for car and bike owners in India. With zero depreciation insurance, […] ## Pages - [My Bookings](https://financekibaatein.com/events/my-bookings/): CONTENTS - [Tags](https://financekibaatein.com/events/tags/): CONTENTS - [Categories](https://financekibaatein.com/events/categories/): CONTENTS - [Locations](https://financekibaatein.com/events/locations/): CONTENTS - [Events](https://financekibaatein.com/events/): CONTENTS - [Terms and Conditions](https://financekibaatein.com/terms-and-conditions/): Last updated: January 19, 2023 Please read these terms and conditions carefully before using Our Service. Interpretation and Definitions Interpretation The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural. Definitions […] - [Contact us](https://financekibaatein.com/contact-us/): Get in Touch - [Privacy Policy](https://financekibaatein.com/privacy-policy/): Last updated: January 19, 2023 This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You. Interpretation and Definitions Interpretation The words of which the initial letter is capitalized have meanings […] - [About Us](https://financekibaatein.com/about-us/): About Founder Finance ki baatein .com publishes information ,ideas and news pertaining to finance,investment,mutual fund,insurance,gold,income –tax,stock,GST etc. I have working experience of 35 years in the field of finance and accounts in field of manufacturing, travel, hospitality industry, out of this 6 six years working experience in Nairobi ( Kenya). Schooling was done from Kendriya […] - [Sample Page](https://financekibaatein.com/sample-page/): This is an example page. It’s different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I’m a bike messenger […] - [Full Width](https://financekibaatein.com/full-width/): Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aliquam eros ante, placerat ac pulvinar at, iaculis a quam. Duis ut risus lobortis diam molestie vehicula. Nunc aliquet lectus at egestas tristique. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Ut commodo vel quam sit amet aliquam. Nulla facilisi. Sed enim libero, […] - [No Sidebar](https://financekibaatein.com/no-sidebar/): Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aliquam eros ante, placerat ac pulvinar at, iaculis a quam. Duis ut risus lobortis diam molestie vehicula. Nunc aliquet lectus at egestas tristique. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Ut commodo vel quam sit amet aliquam. Nulla facilisi. Sed enim libero, […] - [Left Sidebar](https://financekibaatein.com/left-sidebar/): Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aliquam eros ante, placerat ac pulvinar at, iaculis a quam. Duis ut risus lobortis diam molestie vehicula. Nunc aliquet lectus at egestas tristique. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Ut commodo vel quam sit amet aliquam. Nulla facilisi. Sed enim libero, […] - [Right Sidebar](https://financekibaatein.com/right-sidebar/): Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aliquam eros ante, placerat ac pulvinar at, iaculis a quam. Duis ut risus lobortis diam molestie vehicula. Nunc aliquet lectus at egestas tristique. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Ut commodo vel quam sit amet aliquam. Nulla facilisi. Sed enim libero, […] - [Blog](https://financekibaatein.com/blog/) - [Home](https://financekibaatein.com/) [comment]: # (Generated by Hostinger Tools Plugin)