Guides across every business dimension
Practical how-tos, explainers, and pitfalls across finance operations, websites, marketing, analytics, and automation — written by Priya Iyer and the Bizeract team, for global SME founders and operators.
FPI Bond Tax Cut to 10%: What the 2026 Budget Means for Indian SMB Lending Rates
Section 194LD withholding cut from 20% to 10%, Section 194LC extended to green and social bonds, VRR simplified. NBFC wholesale funding costs fall 50-150 bps. Realistic 30-60 bps pass-through to SMB borrowers — and the refinance math that captures it.
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Unregistered Type I NBFC: PRAVAAH Deregistration Window Open Till 31 December 2026
RBI 2026 framework lets eligible NBFCs surrender CoR via PRAVAAH portal. Asset size below ₹1,000 crore at group level, no public funds, no customer interface. Application window 1 Jul to 31 Dec 2026. Eligibility tests, document checklist, and borrower implications.
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RBI 2FA Mandate 2026: Payment Gateway Compliance Checklist for Razorpay, Cashfree, PayU & Stripe
From 1 April 2026 every digital payment needs two factors. Get a PSP-by-PSP compliance checklist for Razorpay, Cashfree, PayU, Stripe India, Easebuzz, Instamojo. Bulk-payout ERP audit for SAP, Tally, Zoho. Checkout abandonment benchmarks and the 30-day action plan.
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Section 194N TDS on Cash Withdrawal: 2% vs 5% Tiers and How to Avoid the Non-Filer Trap (2026)
Section 194N deducts 2% TDS above ₹1 crore for ITR filers, 2% above ₹20 lakh + 5% above ₹1 crore for non-filers. Filing one nil-return ITR restores the ₹1 crore threshold. Bank verification, refund flow, aggregation rule, and worked examples.
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RBI E-mandate Framework 2026: SaaS & Subscription Churn Playbook for India
RBI mandates 24-hour pre-debit alert with one-tap opt-out for every recurring payment. ₹15,000 frictionless ceiling, ₹1L carve-out for SIPs/insurance. Churn impact model, pricing strategy, and retention workflow for Indian SaaS, OTT, edtech.
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TDS on NBFC Interest: Section 194A Rules, 10% Rate & Section 40(a)(ia) Disallowance (2026)
NBFCs are not exempt under Section 194A. Deduct 10% TDS on NBFC interest above ₹5,000 a year, see how processing fees are treated, and avoid a 30% disallowance.
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SFT ₹10 Lakh Cash Deposit Rule: How to Avoid a Section 142(1) Notice (2026 Guide)
Deposited ₹10 lakh or more in cash this year? Your bank reports it to the Income Tax Department under SFT. See when that triggers a notice and how to reply.
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RBI New Rules April 2026: 2FA Mandate, NBFC TDS & Cash Reporting — A Business Guide
RBI April 2026 overhaul: mandatory 2FA on every digital payment, 10% TDS on NBFC interest above ₹10,000, ₹10 lakh PAN reporting on cash, E-mandate Framework 2026, NBFC registration easing. What every Indian business must do this quarter.
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GST 2.0 Rate Changes in India: New Slabs Effective 22 September 2025
56th GST Council collapsed 4 slabs into 5%/18% plus a 40% sin/luxury rate from 22 Sep 2025. Full slab-by-slab mapping, transition rule, and SMB action plan.
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