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  <title>CA Akhilesh Kumar</title>
  <link>https://caakhilesh.in/</link>
  <description>Direct tax, GST, personal finance and investing, from an Indian Chartered Accountant.</description>
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    <title>Old Regime or New: How to Actually Decide</title>
    <link>https://caakhilesh.in/writing/old-vs-new-tax-regime/</link>
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    <pubDate>Tue, 18 Aug 2026 09:00:00 GMT</pubDate>
    <category>Direct Tax</category>
    <description>The comparison everyone runs is the wrong one. Instead of asking which regime is better, work out your break-even deduction — the single number that settles it in about two minutes.</description>
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  <item>
    <title>Capital Gains After the 2024 Overhaul</title>
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    <pubDate>Sun, 16 Aug 2026 09:00:00 GMT</pubDate>
    <category>Direct Tax</category>
    <description>The July 2024 changes did more than move rates. They removed indexation for most assets, flattened holding periods, and quietly changed which investments make sense to hold.</description>
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  <item>
    <title>The 4% Rule Is a Starting Point, Not a Plan</title>
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    <pubDate>Fri, 14 Aug 2026 09:00:00 GMT</pubDate>
    <category>Investing</category>
    <description>It came from a 1994 study of a single country, a single asset mix, and a 30-year window. Useful — but people are loading far more weight onto it than it was built to carry.</description>
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  <item>
    <title>Presumptive Taxation: Who It Fits, and the Traps</title>
    <link>https://caakhilesh.in/writing/presumptive-taxation-44ad-44ada/</link>
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    <pubDate>Tue, 11 Aug 2026 09:00:00 GMT</pubDate>
    <category>Direct Tax</category>
    <description>Sections 44AD and 44ADA let small businesses and professionals declare income as a percentage of turnover and skip the books. Genuinely useful — and routinely misapplied.</description>
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    <title>The TDS Calendar That Prevents Most Notices</title>
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    <pubDate>Sat, 08 Aug 2026 09:00:00 GMT</pubDate>
    <category>Direct Tax</category>
    <description>Almost every TDS notice I see traces back to one of four things, and all four are calendar problems rather than technical ones. A working routine to avoid them.</description>
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  <item>
    <title>Index Funds Won. Now What?</title>
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    <pubDate>Thu, 06 Aug 2026 09:00:00 GMT</pubDate>
    <category>Investing</category>
    <description>Passive investing went from heresy to default in forty years. The interesting questions are no longer about whether it works, but about what happens when almost everyone does it.</description>
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  <item>
    <title>Six Filing Mistakes That Generate Notices</title>
    <link>https://caakhilesh.in/writing/itr-filing-mistakes/</link>
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    <pubDate>Mon, 03 Aug 2026 09:00:00 GMT</pubDate>
    <category>Direct Tax</category>
    <description>The department&#39;s systems now cross-check your return against a great deal of data it already holds. Most notices are the result of a mismatch nobody looked for before filing.</description>
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    <title>GST for a Small Service Business, End to End</title>
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    <pubDate>Thu, 30 Jul 2026 09:00:00 GMT</pubDate>
    <category>GST</category>
    <description>When registration becomes compulsory, what changes the day it does, and the three recurring obligations that follow. Written for the freelancer or small firm crossing the line for the first time.</description>
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    <title>Your Emergency Fund Is Probably the Wrong Size</title>
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    <pubDate>Mon, 27 Jul 2026 09:00:00 GMT</pubDate>
    <category>Personal Finance</category>
    <description>Three to six months of expenses is the standard answer. It is also a number nobody derived from anything. Here is how to compute yours from actual inputs.</description>
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    <title>Reading a Cash Flow Statement Like an Investor</title>
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    <pubDate>Sat, 18 Jul 2026 09:00:00 GMT</pubDate>
    <category>Corporate</category>
    <description>Earnings are an opinion; cash is a fact. A working tour of the third statement, and the five lines that tell you the most about a business.</description>
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    <title>SaaS Metrics That Actually Predict Anything</title>
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    <pubDate>Sun, 05 Jul 2026 09:00:00 GMT</pubDate>
    <category>Corporate</category>
    <description>Most dashboards track a dozen numbers and forecast with none of them. A short list of the metrics that survive contact with a board meeting.</description>
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    <title>Stablecoins and the Quiet Rewiring of Payments</title>
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    <pubDate>Mon, 22 Jun 2026 09:00:00 GMT</pubDate>
    <category>Fintech</category>
    <description>Strip away the price speculation and something more mundane is happening underneath: a parallel settlement rail, and incumbents quietly building on it.</description>
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    <title>Sequence-of-Returns Risk, Explained Without the Jargon</title>
    <link>https://caakhilesh.in/writing/sequence-risk/</link>
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    <pubDate>Thu, 11 Jun 2026 09:00:00 GMT</pubDate>
    <category>Investing</category>
    <description>Two portfolios, identical average returns, wildly different outcomes. The order of the years matters enormously once you start withdrawing — and not at all before.</description>
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    <title>Avalanche, Snowball, and What Actually Gets Debt Paid</title>
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    <pubDate>Fri, 29 May 2026 09:00:00 GMT</pubDate>
    <category>Personal Finance</category>
    <description>One method is mathematically optimal. The other has better completion rates. The research on which wins is more interesting than the argument.</description>
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