Guides, tutorials and tips to get the most out of our tools.
A plain-English guide to GST for small businesses — when to register, how to invoice, input tax credit, the composition scheme, and filing returns.
AZ Utils Editorial · · 9 min read
A practical guide to GST rates in India — the 0%, 5%, 12%, 18% and 28% slabs, how to find your rate via HSN/SAC codes, and special cases like cess.
AZ Utils Editorial · · 8 min read
Understand GST inclusive vs GST exclusive pricing, how to convert between them, and why you divide (not subtract) to remove GST from a price.
AZ Utils Editorial · · 8 min read
Learn how to calculate GST on any amount — the formula, the percentage logic and worked examples for adding and removing GST in seconds.
AZ Utils Editorial · · 8 min read
Loan amount, interest rate and tenure set your EMI — but credit score, loan type and down payment shape your rate. Here is every factor that moves your payment.
AZ Utils Editorial · · 9 min read
A from-first-principles explanation of the EMI formula — present value, the geometric series, and what every term in the loan mathematics actually means.
AZ Utils Editorial · · 10 min read
Six practical ways to reduce your EMI — prepayment, refinancing, rate negotiation and more — plus which ones also cut your total interest.
AZ Utils Editorial · · 9 min read
Why home loan and personal loan EMIs differ so much — rates, tenure and security compared, with worked numbers to help you choose the cheaper option.
AZ Utils Editorial · · 9 min read
See exactly how lenders calculate your monthly EMI — the reducing-balance method, the formula, and a step-by-step worked example you can verify yourself.
AZ Utils Editorial · · 9 min read
