OquiliaOquiliaOquilia — India's Financial Intelligence Platform
Insurance
Calculators
Invest
Tax
Loans
For NRIs
For Business
News
Tools
Learn
Oquilia Advisor
HomeCalculatorsInsuranceNews
View All InsuranceCompare Health PlansBest Term InsuranceHealth Insurance for ParentsCompare PlansCompany ProfilesHospital NetworkClaims Analysis
View All CalculatorsSIP CalculatorEMI CalculatorIncome TaxFD CalculatorPPF CalculatorAll 150+ Calculators
View All InvestBest Mutual FundsBest SIP PlansBest FD RatesEPF vs VPF vs NPS1 Crore in 10 YearsIndex Funds India
View All TaxOld vs New RegimeTax Saving under 80CIncome Tax Slabs 2025Capital Gains TaxSave Tax on SalaryITR Filing Guide
View All LoansCompare Home Loan RatesHome Loan EligibilityBest Personal LoanRent vs Buy HousePrepay Loan or Invest?Education Loan Abroad
View All For NRIsNRI Investment GuideNRI Tax FilingNRI BankingNRI InvestmentsNRI Real EstateNRI Taxation
For Business
View All NewsLatest NewsBlog / GuidesReports
View All ToolsAm I Underinsured?Policy AuditJargon Decoder
View All LearnFinancial GlossaryFAQAbout OquiliaContact
Oquilia Advisor
  1. Home
  2. Calculators
  3. Tax
  4. GST Calculator
  5. Pune
Tax

GST Calculator — Pune (Maharashtra SGST) FY 2025-26

For businesses and consumers in Pune, Maharashtra: intra-state GST splits equally between CGST and Maharashtra SGST (each at half the applicable rate), while inter-state supplies attract IGST at the full rate. At 18% GST on a Rs 1L invoice within Maharashtra: CGST = Rs 9,000 + Maharashtra SGST = Rs 9,000 = total Rs 18,000 GST. GST registration is mandatory above Rs 20L/year for services and Rs 40L/year for goods in Maharashtra.

Verified Formula|Source: Income Tax Department, Government of India|Last verified: April 2026Methodology

GST Details

Calculate GST on top of the base amount

Inter-State Supply (IGST)

CGST + SGST applies for intra-state transactions

Related Calculators

TDS CalculatorIncome Tax CalculatorAdvance Tax Calculator

Net Price

₹1,00,000

GST Amount

₹18,000

Total Price

₹1,18,000

GST Breakdown

Base Amount₹1,00,000
CGST @ 9%₹9,000
SGST @ 9%₹9,000
Total GST₹18,000
Net Price (Excl. GST)₹1,00,000
Total Price (Incl. GST)₹1,18,000

Price Composition

Common GST Rates — Quick Reference

Item / CategoryGST Rate
Essential food items (rice, wheat, milk)0%
Packaged food, butter, ghee5%
Processed food, mobile phones12%
Electronics, shampoo, AC restaurants18%
Luxury cars, aerated drinks, tobacco28%
Gold, silver, platinum3%
Rough diamonds0.25%

Input Tax Credit (ITC)

Businesses registered under GST can claim Input Tax Credit on GST paid on purchases, effectively reducing the GST liability on their sales. Ensure timely GSTR-2B reconciliation to maximize your ITC claims.

GST in Pune: CGST, Maharashtra SGST, and IGST — FY 2025-26 Guide

Goods and Services Tax (GST) in Pune, Maharashtra operates under a dual structure administered jointly by the Government of India and Maharashtra state government. Whether you are a business owner in the Hinjawadi IT Park area, a consumer buying services inPune, or a freelancer invoicing clients across India, the applicable GST component — CGST + Maharashtra SGST or IGST — depends on whether the supply is intra-state or inter-state. Pune is non-metro for HRA but pays Maharashtra's full Rs 2,500/year professional tax — same as Mumbai. This combination (40% HRA cap + Rs 2,500 PT) makes it one of the most tax-critical cities for salary structuring. Pune's IT-heavy workforce also has the highest average ESOP and RSU grant values outside of Bengaluru and Hyderabad.

CGST vs Maharashtra SGST vs IGST: How It Works in Pune

The fundamental rule:

  • Intra-state supply (supplier and recipient both in Maharashtra): GST = CGST (central government) + Maharashtra SGST (Maharashtra government), each at half the total GST rate. On a Rs 1,00,000 invoice at 18%: CGST Rs 9,000 (9%) + Maharashtra SGST Rs 9,000 (9%).
  • Inter-state supply (supplier in Maharashtra, recipient in another state, or vice versa): GST = IGST at the full rate. Same Rs 1,00,000 invoice at 18%: IGST = Rs 18,000 (18%), all to central government (then apportioned to destination state).
  • Import of services: IGST under Reverse Charge Mechanism (RCM) — the recipient in Pune pays GST to the government. Common for Pune's businesses using foreign software, cloud services, or overseas consultants.

GST Rates Applicable to Pune's Economy

The four main GST rate slabs apply uniformly across Pune:

  • 5% GST: Essential goods and basic services. For Pune: non-AC restaurant meals (no ITC for restaurant), economy hotel stays (room rate below Rs 7,500/night), packaged foods with certain HSN codes, economy air travel (excluding fuel surcharge), electric vehicles, and textile goods below Rs 1,000.
  • 12% GST: Mid-range goods and services. Relevant for Pune: hotel stays Rs 7,500–12,000/night, processed food, computers and laptops (with exceptions), smartphones above Rs 20,000 category, business class air travel, construction of affordable housing.
  • 18% GST: Most services and manufactured goods. This is the dominant GST rate for Pune's IT/Software sector — IT services, consulting, financial services, insurance (excl. life insurance), telecom, steel, chemicals, paints, AC restaurants, hotel stays above Rs 12,000/night.
  • 28% GST: Luxury and demerit goods. Pune: automobiles (plus cess), luxury hotels, tobacco products, gambling and racing activities, luxury cement. Plus additional cess on many 28% items.

IT/Software Sector GST in Pune

Pune's dominant IT/Software sector — represented by employers like Infosys, TCS, Wipro — operates primarily under 18% GST for domestic B2B service invoices. Key GST considerations for Pune IT businesses:

  • Software services export (zero-rated): IT exports from Puneto overseas clients are zero-rated with a Letter of Undertaking (LUT). No GST is charged on the invoice, and businesses can claim refund of Input Tax Credit on inputs used. Filing monthly LUT for exports is critical for Pune IT exporters.
  • Domestic IT B2B invoices: 18% GST applies. On a Rs 10L monthly invoice to a Maharashtra client: CGST Rs 90,000 + Maharashtra SGST Rs 90,000 = Rs 1.8L total GST. This is fully recoverable as Input Tax Credit by the recipient if they are GST-registered.
  • SaaS and software products: 18% GST on perpetual licences, 12% on some packaged software. Cloud-based SaaS services are 18% regardless of how subscription is structured.
  • Capital goods: 18% GST on machinery, equipment, and industrial inputs — fully claimable as ITC for manufacturing businesses in Pune's industrial areas. Proper tracking of capital goods ITC over 5 years (reversed if sold before) is critical.
  • Raw material inputs: GST rate varies by HSN code — 5% for textiles, 12% for some chemicals, 18% for metals and engineering goods. ITC chain must be maintained.
  • Professional and consulting services: 18% GST under SAC 9983/9985. Freelancers and consultants in Pune billing above Rs 20L/year must register for GST and charge 18% CGST + Maharashtra SGST on domestic invoices.
  • Commercial property rent: If annual commercial rent in Puneexceeds Rs 20L and the landlord is a GST-registered entity, 18% GST applies. At estimated commercial rents of Rs 55,000/month in Pune, annual commercial rent is Rs 6,60,000. Annual commercial rent is below Rs 20L — GST on rent may not apply if the landlord is under threshold.

Input Tax Credit (ITC) for Pune Businesses

GST-registered businesses in Pune can claim Input Tax Credit on GST paid for goods and services used in their business. ITC rules in Maharashtra:

  • CGST paid can offset CGST or IGST liability; Maharashtra SGST paid can offset Maharashtra SGST or IGST; IGST can offset any GST liability (IGST first, then CGST, then SGST).
  • Conditions for ITC: Valid tax invoice, goods/services received, GST filed by supplier (reflected in GSTR-2B), and payment made to supplier within 180 days.
  • ITC blocked items: Motor vehicles (for personal use), employee-related food and beverages, club memberships, health insurance for employees (unless mandatory under law), works contract for immovable property.
  • ITC reconciliation: GSTR-2B (auto-populated) vs your purchase register must be reconciled monthly. Mismatch can lead to ITC disallowance and penalty — a critical compliance task for Pune's MSMEs and large businesses alike.

GST Registration Threshold and Compliance for Pune

GST registration is mandatory in Maharashtra when aggregate turnover exceeds:

  • Rs 40 lakh/year for goods suppliers (Rs 20L for special category states — not applicable to Maharashtra).
  • Rs 20 lakh/year for service providers.
  • Any threshold for inter-state supplies, e-commerce operators, or businesses with taxable supplies despite low turnover.

Pune freelancers and consultants in the IT/Software sector who provide services to clients in other states must register for GST irrespective of turnover — even a single inter-state invoice triggers mandatory registration. Return filing: GSTR-1 (monthly/quarterly for outward supplies) + GSTR-3B (monthly summary + tax payment) + GSTR-9 (annual reconciliation). Businesses in Pune with turnover above Rs 5 crore must file GSTR-1 monthly. Below Rs 5 crore, quarterly GSTR-1 filing is available under the QRMP scheme.

Composition Scheme: For Small Pune Businesses

Small Pune businesses with annual turnover below Rs 1.5 crore (goods) or Rs 50 lakh (services) can opt for the Composition Scheme — pay a fixed percentage of turnover as GST (1% for goods, 6% for services including restaurants) without ITC. Composition dealers cannot raise a tax invoice or collect GST from customers, and cannot supply inter-state. This suits small retailers, restaurants, and service providers inPune's Hinjawadi and Kharadi local markets who do primarily local business.

Disclaimer

GST rates and rules are based on notifications effective as of FY 2025-26. Specific HSN/SAC codes may attract different rates. Special economic zone (SEZ) supplies are zero-rated. E-invoicing is mandatory above certain turnover thresholds. Consult a GST practitioner or Chartered Accountant in Pune for business-specific compliance guidance.

Frequently Asked Questions — GST in Pune

What is the difference between Maharashtra SGST and SGST? Is Maharashtra SGST the same as SGST?

Yes — Maharashtra SGST is the State GST (SGST) for Maharashtra. The term "SGST" in the GST framework is referred to by each state's specific name: Maharashtra's SGST is "Maharashtra SGST", Karnataka's is "Karnataka SGST", etc. For Pune (Maharashtra), all intra-state transactions split GST into CGST (Central GST) and Maharashtra SGST (MaharashtraSGST), each at half the applicable rate. On an 18% intra-state invoice of Rs 1,00,000: CGST = Rs 9,000 andMaharashtra SGST = Rs 9,000.

Do I need to charge GST on my Pune freelance income?

You need to register for GST if your annual freelance income exceeds Rs 20 lakh (services threshold for Maharashtra) or if you supply services to clients in other states (inter-state supply triggers mandatory registration at any turnover). Once registered, you charge 18% GST (CGST 9% + Maharashtra SGST9%) on domestic invoices. If you export services to overseas clients, it's zero-rated with an LUT — no GST charged, but you can claim ITC refunds on inputs. Pune's thriving IT/Software freelance economy means many consultants hit the Rs 20L threshold quickly — plan your GST registration well in advance to avoid retrospective compliance issues.

What GST applies on restaurant bills in Pune?

GST on restaurants in Pune depends on the type. Non-AC restaurants (standalone, not in hotels with room tariff above Rs 7,500): 5% GST (CGST 2.5% + Maharashtra SGST 2.5%), no Input Tax Credit. AC restaurants or those in 5-star hotels: 18% GST (CGST 9% +Maharashtra SGST 9%), no ITC. On a Rs 5,000 dinner: 5% restaurant = Rs 250 GST; 18% restaurant = Rs 900 GST. Restaurant GST cannot be claimed as ITC by the customer — it is a final consumer cost. Zomato/Swiggy delivery orders from restaurants also attract 5% GST (collected by the platform, not the restaurant).

How does GST work for Pune businesses buying from another state?

When a Pune (Maharashtra) business buys goods or services from a supplier in another state, IGST (Integrated GST) applies at the full rate. For example, buying software services from a Bengaluru vendor (if you are in Pune, Maharashtra): 18% IGST applies. You pay IGST on the invoice, which is deposited with the central government and then apportioned to the consuming state. As a Maharashtra registered business, you can claim the IGST paid as Input Tax Credit. ITC utilisation order: first against IGST liability, then CGST, then Maharashtra SGST. This seamless cross-state ITC chain is one of GST's major improvements over the pre-GST era when inter-state purchases suffered from cascading VAT and CST costs.

Pune's GST landscape is shaped by its dual identity as a major automotive and IT manufacturing hub. The Chakan-Talegaon-Ranjangaon industrial corridor hosts Tata Motors, Volkswagen, Bajaj Auto, and Mercedes-Benz with identical auto GST rates to Chennai (28% base + cess for passenger vehicles). Pune's Hinjewadi IT park is Tata Consultancy Services' largest campus outside Mumbai — where IT service export GST mirrors Bengaluru's zero-rated framework. The distinct Pune GST challenge compared to other metros: Pune is a major defense procurement centre (College of Military Engineering, Armaments Research and Development Establishment, South Western Command) where government entities are GST TDS depositors under Section 51 — defence contractors receive payments net of 2% GST TDS. Pune's rapidly growing startup ecosystem in Baner, Wakad, and Balewadi generates GST compliance scenarios for pre-revenue companies. The wine industry in Nashik-Pune belt: wine (basic wine) was brought into GST at 0% for grapes/wine production, but is complex — most states have kept wine outside GST under state excise, meaning some transactions are state excise duty, not GST. Hotel GST: Pune's premium hotels around Koregaon Park and Camp area exceed Rs 7,500/night → 18% GST. Restaurant GST: 5% flat across Pune's F&B ecosystem from street food to premium Koregaon Park restaurants.

Key Insight — Pune

Pune's defining GST insight is the defense contractor GST TDS (Section 51) and its interaction with the ITC system — where Pune's numerous defense contractors (Larsen & Toubro Defence, Bharat Forge, Mahindra Defence Systems, Tata Power SED, Kalyani Group) receive payments from Ministry of Defence through a 2% GST TDS deduction that the defense contractor must account for carefully in their GST return. The Section 51 GST TDS mechanics: Government entity (Ministry of Defence Pune cantonments, CME Pune) procures services from a Pune vendor for Rs 50L: Invoice: Rs 50L + GST 18% = Rs 9L → Total Rs 59L. Government deducts 2% GST TDS: 2% × Rs 50L = Rs 1L TDS. Payment to vendor: Rs 59L - Rs 1L = Rs 58L. The vendor receives Rs 58L cash. Government deposits Rs 1L GST TDS to the GST portal under the vendor's GSTIN. Vendor's GST return: output GST liability Rs 9L (on Rs 50L invoice). ITC from inputs: say Rs 6L. TDS credit claimed: Rs 1L (auto-reflected in GSTR-2B). Net cash GST payment: Rs 9L - Rs 6L ITC - Rs 1L TDS = Rs 2L cash. Without the TDS credit: Rs 9L - Rs 6L = Rs 3L. TDS reduces cash outflow from Rs 3L to Rs 2L — a real benefit. Complication: Government departments often delay filing GSTR-7 (TDS return) → TDS doesn't reflect in vendor's GSTR-2B → vendor cannot claim credit → vendor pays full Rs 3L → mismatch during annual reconciliation. Pune defense contractors must actively follow up with government TDS deductors to ensure GSTR-7 is filed timely.

Pune's Financial Context and GST Calculator

Maharashtra SGST: 9% (CGST 9% + MGST 9% = 18% standard). Pune auto: same rates as Chennai — 28% + cess on passenger vehicles; 18% on auto components for industrial buyers (ITC available). IT/ITES: 18% GST on domestic services; zero-rated on exports with LUT. Defense procurement: government TDS under Section 51 — 2% GST TDS on invoices >Rs 2.5L to contractors. Defence items: certain armaments, weapon systems specifically notified as exempt from GST; most commercial items (construction, IT services, logistics) at standard rates. Pune construction: residential under-construction at 5% (no ITC); commercial at 12%; RERA-registered affordable housing at 1% (if eligible). Maharashtra's PMC/PCMC building permission charges: service tax replaced by GST → fees to municipal corporations for building permissions = zero GST (sovereign function). Pune's co-working spaces: commercial rent at 18% GST — startups in WeWork, 91Springboard, Awfis pay 18% GST on desk/office rent → ITC available if business is taxable. Food processing (Pune district): biscuits (18%), branded namkeen/snacks (18%), fresh vegetables (exempt). Wine: outside GST purview in Maharashtra (state excise) — separate Maharashtra excise duty. Software product companies: 18% on domestic, zero-rated on export. Restaurant GST: 5% no ITC. E-invoicing: mandatory for Rs 5Cr+ turnover. GSTR-9C audit: mandatory for Rs 5Cr+ turnover for reconciliation with audited accounts.

Bajaj Auto and Chakan Corridor — GST on Two-Wheelers and EV Transition

Pune's Bajaj Auto at Chakan and Akurdi manufactures India's largest portfolio of motorcycles and three-wheelers. Two-wheeler GST creates a specific planning context for Pune's auto sector: Motorcycles and scooters engine ≤ 350cc: 28% GST (no compensation cess for two-wheelers, unlike cars). Motorcycles >350cc: 28% + compensation cess varies. For Bajaj Pulsar 250 (250cc): 28% GST, no cess. For Bajaj Chetak Electric (EV): 5% GST — massive 23% tax advantage over petrol Chetak or equivalent petrol scooter. Royal Enfield 350cc: exactly at 350cc boundary → 28% no cess. The EV transition GST benefit: Bajaj Chetak EV at Rs 1.5L ex-showroom: GST Rs 7,500 (5%). Bajaj CT125 petrol at Rs 80,000 ex-showroom: GST Rs 22,400 (28%). The EV buyer saves Rs 14,900 in GST vs equivalent petrol vehicle — meaningful price incentive aligned with government EV push. Chakan OEM manufacturers' ITC on inputs: steel (18%), rubber tyres (28%), glass (28%), plastic mouldings (18%), electronics (18%). ITC on all component purchases offset against output GST on finished vehicles. Works contract for factory expansion: 18% GST on construction → blocked ITC for captive factory (Section 17(5)(c)). BUT: if a separate entity undertakes factory construction and leases the constructed facility to the manufacturer: the construction entity claims ITC (it's providing a service — construction for commercial real estate lease). Commercial leasing at 18% GST → lessee claims ITC. This structure allows ITC recovery on factory construction costs through a related entity arrangement — prevalent in Pune's auto sector.

Pune's IT and Startup GST Compliance — Quarterly vs Monthly Filing and QRMP Scheme

Pune's Hinjewadi Phase 1-3 and emerging IT clusters in Baner, Wakad, Aundh house hundreds of mid-size IT companies (Persistent Systems, KPIT Technologies, Cyient, Qualcomm India) with Rs 100Cr - Rs 2,000Cr revenue. The QRMP (Quarterly Return Monthly Payment) scheme is the key filing choice for Pune IT companies with ≤ Rs 5Cr turnover: Under QRMP: file GSTR-1 quarterly (not monthly) → file GSTR-3B quarterly → but PAY GST monthly (estimated fixed payment based on prior quarter or self-assessment). This reduces annual return filings from 24 (monthly) to 8 (quarterly) while maintaining monthly payment. For Pune IT startups in Rs 1-5Cr revenue: QRMP significantly reduces compliance burden. However: if Pune company has export supplies (LUT zero-rated), GSTR-1 invoice data upload is still required promptly for export refund tracking — quarterly GSTR-1 delays can delay refund application. E-invoicing threshold: Rs 5Cr aggregate turnover → mandatory from August 2023 for such entities. Below Rs 5Cr: optional but recommended (banks and large buyers increasingly demand e-invoiced documents for ITC verification). Annual returns: GSTR-9 (annual reconciliation) mandatory for all registered persons except composition scheme and Rs 2Cr turnover nil-filing option. GSTR-9C (reconciliation statement): mandatory only for Rs 5Cr+ — requires statutory audit. Pune's large IT companies (Rs 100Cr+): mandatory GSTR-9C with CA certification. Common Pune IT compliance issue: inter-company transactions between related parties (parent-subsidiary IT companies) must be at arm's length for GST — related party transactions at zero value or below market rate may be deemed supplies and GST computed on open market value.

More Questions — GST Calculator in Pune

I'm buying a Tata Nexon EV (Rs 14L ex-showroom) vs Tata Nexon petrol (Rs 10L ex-showroom). What's the GST difference and what are my total costs?

EV vs petrol GST comparison for Pune buyer: Tata Nexon EV (Battery Electric Vehicle): GST rate: 5% (significantly reduced for EVs to encourage adoption). GST on Rs 14L: Rs 70,000. Total with GST: Rs 14.7L. Registration (road tax): Maharashtra road tax for EV — many states including Maharashtra have concessional road tax for EVs (approximately 4-5% vs 11-13% for petrol). Road tax on Rs 14L at 4%: Rs 56,000. Approximate on-road: Rs 15.5-16L. Additional: Maharashtra EV subsidy: Rs 2.5L subsidy for first-time EV buyers in certain periods (check current applicable scheme — FAME II and Maharashtra state schemes). Net effective after subsidy: approximately Rs 13-13.5L. Tata Nexon petrol (1200cc turbo): GST rate: 28% (no cess — Nexon petrol 4m length, petrol: 28% base rate, length check: Nexon is slightly >4m → might attract 20% cess as SUV, but engine <1500cc: need to verify classification). Assuming 28% no cess: Rs 10L × 28% = Rs 2.8L GST. Total with GST: Rs 12.8L. Road tax Maharashtra (petrol): approximately 11% = Rs 1.1L. On-road approximately Rs 14.5-15L. Comparison: EV total ≈ Rs 15.5L (before subsidy, Rs 13L after subsidy). Petrol total ≈ Rs 14.5-15L. With Maharashtra EV subsidy: EV is cheaper to own despite higher ex-showroom. Running cost advantage of EV: electricity vs petrol ≈ Rs 1-1.5/km vs Rs 6-8/km. Pune's Aundh charging infrastructure is improving. Annual savings on 15,000km: Rs 70,000-100,000 in fuel costs. GST-adjusted break-even: approximately 3-4 years vs petrol Nexon.

My Pune software company (Rs 3Cr annual revenue, all domestic, QRMP scheme) missed GSTR-3B for October 2025. What are the penalties?

Late GSTR-3B filing penalties under QRMP scheme: Under QRMP, quarterly filers still pay monthly (via PMT-06 or IFF for invoice data). The GSTR-3B is filed quarterly. If you missed GSTR-3B for the quarter July-September 2025 (due October 25, 2025): Late fee under Section 47: Rs 50/day (Rs 25 CGST + Rs 25 SGST) for each day of delay for returns with TAX LIABILITY. If NIL return: Rs 20/day. For your October GSTR-3B with tax liability: Late fee: Rs 50/day × number of days late. Maximum late fee for annual turnover > Rs 1.5Cr but ≤ Rs 5Cr: Rs 10,000 (Rs 5,000 CGST + Rs 5,000 SGST). Interest on delayed tax payment: Section 50 interest: 18% per annum on the outstanding GST amount for the delay period. On Rs 10L tax liability: interest = Rs 10L × 18% ÷ 365 × number of days late. For 30 days late: Rs 10L × 18% × 30/365 = Rs 14,795 interest. Condonation: GST council periodically announces amnesty schemes for late fees (e.g., GSTR-3B late fee amnesty in 2023-24). Check current GST portal notices. File immediately: access GST portal → GSTR-3B for the missed quarter → compute and pay tax + interest first → then file return → late fee auto-calculated and must be paid as part of filing. Do NOT delay further — interest compounds daily. After filing: late fee and interest are captured in electronic liability ledger → pay from cash ledger. Prosecution: Section 122 — deliberate non-filing can trigger prosecution for tax evasion, though rarely for first-time genuinely missed deadlines.

Related Calculators — Pune

Explore other financial calculators with Pune-specific data and insights.

TDS CalculatortaxAdvance Tax CalculatortaxBreakeven CalculatorcorporateIncome Tax Calculatortax

GST Calculator — Other Cities

City-specific data — professional tax, HRA classification, property prices, salary benchmarks — changes the output significantly. Compare with other cities.

Metro Cities

MumbaiDelhiBengaluruHyderabadChennaiKolkataGurgaonNoidaAhmedabad

Other Cities

JaipurLucknowChandigarhKochiIndoreCoimbatoreNagpurBhopalThiruvananthapuramGoa
InsuranceCalculatorsInvestTaxLoansNRIMBAHNIAI
Oquilia

150+ calculators · Zero commissions

Oquilia

Intelligent financial analysis. 150+ calculators & unbiased analysis.

Data: IRDAI · RBI · SEBI · AMFI

Calculators

  • SIP
  • EMI
  • Income Tax
  • FD
  • PPF
  • NPS
  • Gratuity
  • HRA
  • ELSS
  • All 150+

Insurance

  • Compare Plans
  • Companies
  • Claims Data
  • Hospitals
  • Health Premium
  • Term Premium
  • Section 80D

Tax & Loans

  • Old vs New
  • Capital Gains
  • TDS
  • Home Loan EMI
  • Car Loan EMI
  • Rent vs Buy
  • Prepayment

More Tools

  • Invest Hub
  • Tax Planning
  • Loan Tools
  • NRI Hub
  • MBA Finance
  • HNI Wealth
  • Glossary
  • News
  • Blog
  • Reports
  • Tools
  • Oquilia Advisor

Company

  • About
  • Contact
  • FAQ
  • Legal Hub
  • Privacy
  • Terms
  • Disclaimer
  • Cookie Policy
  • Grievance
  • Disclosure

© 2026 Oquilia. Not a licensed financial advisor. All third-party logos and trademarks belong to their respective owners.

PrivacyTermsDisclaimerSitemap