Plain answers for small businesses and freelancers
Each guide gives the answer first, explains why the rule exists, lists common mistakes and links the official source. Free to read; no sign-up. Last updated 11 Oct 2026.
All-India: tax and compliance
TDS return due date for Q2 2026-27: 31 October 2026, and the new form numbersThe July–September 2026 TDS/TCS statements are due 31 Oct 2026 in the new Forms 138, 140, 144 and 143. What changed, common mistakes and a checklist.Tax audit report due date: 21 October 2026 (CBDT Circular 7/2026)CBDT Circular 7/2026 moved the tax audit report for FY 2025-26 from 30 Sep to 21 Oct 2026, and the matching ITR to 21 Nov 2026. Who is covered and who is not.Revised ITR last date for FY 2025-26: 31 March 2027Finance Act 2026 extended the window to revise an ITR for FY 2025-26 (AY 2026-27) to 31 Mar 2027, with a fee for revisions after 31 Dec 2026. Belated return: 31 Dec 2026.GSTR-3B quarterly due date, Oct 2026: the 22nd or the 24th, depending on your stateUnder QRMP, quarterly GSTR-3B is due on the 22nd (Telangana, AP, Karnataka, Maharashtra and others) or the 24th (Delhi, UP, West Bengal and others). Jul–Sep 2026: 22 or 24 Oct.The MSME 45-day payment rule in 2026: interest, the buyer's tax angle and how to file on the ODR portalIf you are a Udyam-registered micro or small supplier, buyers must pay within 45 days (15 if nothing agreed). Interest at 3x RBI bank rate, s.43B(h), and the MSME ODR portal.Form 124 for HRA in 2026: what replaced Form 12BB, and what proof your employer will ask forFrom tax year 2026-27, Form 124 replaces Form 12BB. For HRA: landlord name, address, PAN if rent is over ₹1 lakh a year, and your relationship with the landlord.Paid a 2026-27 TDS challan under the old Act (1961)? How to fix it before you file the Q2 returnIf TDS for a payment made after 1 Apr 2026 was deposited under the Income-tax Act 1961 (AY/FY 2025-26) instead of the 2025 Act (Tax Year 2026-27), fix the challan on TRACES before the 31 Oct Q2 statement.GSTR-1 for quarterly (QRMP) filers, Oct 2026: due 13 October 2026, and when to use IFFQRMP filers file GSTR-1 for Jul–Sep 2026 by 13 Oct 2026. IFF is optional for months 1 and 2 (by the 13th, up to ₹50 lakh). Late fee caps, the 31 Oct switch window and mistakes.Form 26Q is now Form 140 in 2026: what changed and how old sections map to the new payment codesFrom tax year 2026-27, non-salary TDS for residents is reported in Form 140 (was 26Q), with numeric payment codes instead of 194C/194J. Mapping table, the right utility, and mistakes.TDS return late filing fee in 2026 (tax year 2026-27): ₹200 a day (section 427, old 234E), interest, and the one-month penalty windowUnder the Income-tax Act 2025, a late TDS/TCS statement costs ₹200 a day (s.427, was 234E), capped at the TDS. File within one month of the due date to avoid the s.461 penalty. Examples.How GST interest on late payment is calculated in 2026: 18% a year, on the cash part, by the dayLate GSTR-3B? Interest is 18% a year under section 50(1), on the tax paid in cash, for the days of delay (Rule 88B). Wrong ITC used: 18% under 50(3). Formula, examples and mistakes.Diwali bonus and gifts in 2026: what is taxable, the new ₹15,000 employer-gift limit, and the ₹50,000 ruleA cash Diwali bonus is salary. Employer gifts and vouchers are tax-free only below ₹15,000 a year in total (new 2026 Rules). Gifts from friends: taxable above ₹50,000. Relatives: exempt.How to get Udyam (MSME) registration in 2026: free, online, and what you needUdyam registration is free, paperless and needs only Aadhaar plus PAN/GSTIN. Steps on udyamregistration.gov.in, the 2025 micro/small/medium limits, Udyam Assist, and mistakes to avoid.Indian freelancer with foreign clients in 2026? When you need GST, and how export of services and the LUT workExport of services counts toward the ₹20 lakh GST threshold (₹10 lakh in four NE states). Below it you can stay unregistered; above it, register and file a LUT to bill abroad without IGST.Free India tax deadline calendar, Oct 2026–Mar 2027: add every GST/TDS/ITR date to Google Calendar in 1 clickFree .ics calendar with 59 GST, TDS/TCS, advance-tax and ITR due dates from Oct 2026 to Mar 2027, each with a 3-day reminder and the official source. Import steps for Google Calendar, Outlook, iPhone and Android, plus a spreadsheet copy.
For small businesses and freelancers anywhere
How to invoice and chase late payments as a freelancer, with reminder templatesWhat a clear invoice must contain, when to send reminders, and four copy-paste payment reminder templates from friendly to final. Works for freelancers anywhere.A simple small-business cashbook: how to keep one in 10 minutes a dayWhat a cashbook is, the five columns you need, how to record cash, UPI and bank payments, a daily routine and the common mistakes that make the balance wrong.What it really costs to build and run an AI agent: an honest breakdownThe cost lines of an AI agent setup (agent subscriptions, model usage, hosting, automation, your time), where bills surprise people, and the human steps agents can't do.AI prompts for small shops: customer replies, product posts and review answers you can copyTen copy-paste ChatGPT/Gemini prompts for small shops: replies, product descriptions, festival posts, review answers and translations (incl. Telugu), with five rules so AI never invents prices.
United Kingdom: tax for sole traders and landlords
Telangana
Telugu (తెలుగు)
Telugu wedding invitation wording (పెళ్లి శుభలేఖ), with English, and AI prompts that helpTraditional Telugu wedding invitation lines with English meanings, a bilingual template for families abroad, common mistakes, and AI prompts to draft invitations in Telugu.Telugu Gruhapravesam invitation wording (గృహప్రవేశ ఆహ్వానం), with English meaningsTraditional Telugu housewarming (Gruhapravesam) invitation lines with English meanings, a ready template, a WhatsApp version for relatives abroad, and the mistakes to avoid.Telugu Deepavali and Karthika Masam greetings (దీపావళి శుభాకాంక్షలు), for family, customers and relatives abroadReady Telugu Deepavali, Naraka Chaturdasi and Karthika Masam wishes with English meanings, a polite shop greeting for customers, a version for relatives abroad, and mistakes to avoid.Telugu Barasala invitation wording (బారసాల ఆహ్వానం), with English meanings and a WhatsApp versionCommon Telugu lines for a Barasala (naming and cradle ceremony) invitation, with English meanings, a fill-in template, a message for relatives abroad, and mistakes to avoid.
Mining exams (DGMS, coal)
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