The accountant behind the working.
Direct tax, income tax compliance, and the practical side of finance — written up properly as I work through it, with the arithmetic on the page.
I'm a Chartered Accountant, qualified with the Institute of Chartered Accountants of India in November 2022, and Senior Finance Manager at Jobaaj.com, a digital recruitment and edtech business, where I've been part of the finance team since 2020 — first setting up the accounting and control framework, now owning it end to end. Based in Gurgaon.
Day to day that means budgets and rolling forecasts with variance analysis that explains why a number moved; cash-flow forecasting and working-capital planning; the monthly MIS that leadership actually decides from; internal controls and audit readiness; and GST and direct tax compliance, planning and assessments. Before that: three years of articleship in the indirect-tax practice at ASA & Associates LLP, spanning the move from Service Tax and VAT to GST — client migration, first-year implementation, and the compliance that followed. I also hold the NISM Research Analyst certification.
This site is where I write things down properly. Most of what I deal with day to day — a compliance deadline, a change in the Finance Act, a client question that turns out to be more interesting than it first looked — deserves more than a note in the margin. Writing it out is how I check that I actually understand it.
What I write about
- Direct tax — income tax provisions, compliance, and the practical questions that come up in applying them.
- Personal finance — the money decisions people actually face, worked through with the arithmetic shown.
- Investing — long-horizon thinking, mechanisms rather than tips.
- Corporate finance — reading financial statements, and the metrics that hold up under scrutiny.
How I write
Four rules, and I would like to be held to them:
- No affiliate links, sponsored posts, or referral codes.
- Sources named where a claim rests on research or a specific provision.
- Numbers worked through, not asserted.
- Corrections made in place and noted at the foot of the piece.
The calculators
The calculators on this site are the same working, made interactive. Each one names the formula it uses, runs entirely in your browser, and can be shared as a link or a PDF that carries your figures. Nothing you type is sent anywhere or stored.
An important disclaimer
Everything published here is general information and commentary, written for educational purposes. It is not professional advice — not tax, financial, investment or legal advice — it is not a recommendation to buy or sell anything, and it takes no account of your particular circumstances.
Tax law in India changes frequently, and the treatment of any transaction depends on facts this website does not know. Nothing here creates a professional relationship between us. For anything that affects your actual position, engage a professional who can review your specific facts.
Get in touch
Corrections, disagreements and article suggestions are all welcome.
About the mark
The symbol on this site — a ribbon folded into an A — is the site's own. It is not the emblem of the Institute of Chartered Accountants of India, and it is not the Institute's CA India member logo; both belong to the Institute and are used only as it prescribes. "CA" before my name is the designation the Institute permits its members to use. This site is personal writing, not a firm in practice, and nothing on it should be read as soliciting professional work.
Views expressed on this website are my own and do not represent those of my employer or of any professional body.