Mishra World guideshttps://mishraworld.com/guides/Practical guides from Mishra World How to Make a GST Invoice: Format, Rules and a Free Generatorhttps://mishraworld.com/guides/how-to-make-gst-invoice/https://mishraworld.com/guides/how-to-make-gst-invoice/Tue, 29 Sep 2026 03:30:00 GMTMandatory fields under CGST Rule 46, CGST/SGST vs IGST, HSN digits, invoice numbering and e-invoicing explained, with a worked example and free generator. Quotation vs Proforma Invoice vs Tax Invoice: Key Differenceshttps://mishraworld.com/guides/quotation-vs-proforma-vs-tax-invoice/https://mishraworld.com/guides/quotation-vs-proforma-vs-tax-invoice/Tue, 29 Sep 2026 03:30:00 GMTUnderstand when to send a quotation, a proforma invoice or a GST tax invoice, what each must contain, and which one is legally binding for tax purposes. Compress Photo and Signature to 20 KB, 50 KB or 100 KB for Formshttps://mishraworld.com/guides/compress-photo-signature-for-government-forms/https://mishraworld.com/guides/compress-photo-signature-for-government-forms/Tue, 29 Sep 2026 03:30:00 GMTResize and compress your photo and signature to the exact KB and pixel limits for SSC, UPSC, banking and passport forms, step by step and without uploads. Passport Photo Size in India, Visa 2x2 and PAN Photo Guidehttps://mishraworld.com/guides/passport-photo-size-india/https://mishraworld.com/guides/passport-photo-size-india/Tue, 29 Sep 2026 03:30:00 GMTIndian passport photo size (35 x 45 mm), white background and face rules, US visa 2 x 2 inch, PAN card photo size, and how to print 8 copies on a 4 x 6 sheet. How EMI Is Calculated: Formula, Example and Prepayment Tipshttps://mishraworld.com/guides/how-emi-is-calculated/https://mishraworld.com/guides/how-emi-is-calculated/Tue, 29 Sep 2026 03:30:00 GMTThe EMI formula explained with a worked example (Rs 10 lakh at 8.5% for 20 years = Rs 8,678), how amortisation works, and how prepayment cuts your interest. New vs Old Tax Regime: Slabs, Deductions and Which to Choosehttps://mishraworld.com/guides/new-vs-old-tax-regime/https://mishraworld.com/guides/new-vs-old-tax-regime/Tue, 29 Sep 2026 03:30:00 GMTFY 2025-26 new and old tax regime slabs, the Rs 12 lakh 87A rebate, key deductions, worked examples and a simple way to decide which regime saves more tax. HRA Exemption Calculation and Rent Receipts: A Complete Guidehttps://mishraworld.com/guides/hra-exemption-and-rent-receipts/https://mishraworld.com/guides/hra-exemption-and-rent-receipts/Tue, 29 Sep 2026 03:30:00 GMTCalculate HRA exemption with the least-of-three rule, see a worked example, and learn the rent receipt rules: landlord PAN above Rs 1 lakh and revenue stamps. SIP vs Lumpsum: How Returns Are Calculated and Which to Choosehttps://mishraworld.com/guides/sip-vs-lumpsum/https://mishraworld.com/guides/sip-vs-lumpsum/Tue, 29 Sep 2026 03:30:00 GMTHow SIP returns are calculated, rupee-cost averaging, step-up SIPs and lumpsum investing compared, with worked numbers for Rs 10,000 a month at 12%. PPF vs Sukanya Samriddhi vs FD: Rates, Lock-in and Tax Comparedhttps://mishraworld.com/guides/ppf-vs-ssy-vs-fd/https://mishraworld.com/guides/ppf-vs-ssy-vs-fd/Tue, 29 Sep 2026 03:30:00 GMTCompare PPF, Sukanya Samriddhi and bank FDs on interest rates, lock-in, deposit limits and tax (EEE vs taxable interest), with worked maturity values. How to Merge, Split and Compress PDFs Free Without Uploadinghttps://mishraworld.com/guides/merge-split-compress-pdf-free/https://mishraworld.com/guides/merge-split-compress-pdf-free/Tue, 29 Sep 2026 03:30:00 GMTMerge, split, reorder and compress PDF files for free in your browser, with no uploads and no watermarks. Step-by-step guide plus tips for size limits. Resume Format for Freshers in India: Sections, ATS Tips, Sampleshttps://mishraworld.com/guides/resume-format-for-freshers/https://mishraworld.com/guides/resume-format-for-freshers/Tue, 29 Sep 2026 03:30:00 GMTA practical fresher resume format for India: sections to include, ATS-friendly layout, action verbs, sample bullet points, the one-page rule and mistakes. Marriage Biodata Format: What to Include, Tips and Privacyhttps://mishraworld.com/guides/marriage-biodata-format/https://mishraworld.com/guides/marriage-biodata-format/Tue, 29 Sep 2026 03:30:00 GMTHow to write a marriage biodata in India: personal, family, education and optional horoscope details, clean layout, and privacy tips for WhatsApp sharing. How to Make a Salary Slip: Components, PF, ESI and a Samplehttps://mishraworld.com/guides/how-to-make-salary-slip/https://mishraworld.com/guides/how-to-make-salary-slip/Tue, 29 Sep 2026 03:30:00 GMTMake a correct salary slip in India: Basic, HRA, allowances, PF at 12% of basic, ESI up to Rs 21,000 gross, professional tax and TDS, with sample slips. How to Create a UPI QR Code for Your Shop or Businesshttps://mishraworld.com/guides/upi-qr-code-for-business/https://mishraworld.com/guides/upi-qr-code-for-business/Tue, 29 Sep 2026 03:30:00 GMTCreate a UPI QR code for your shop: the UPI payment link format, static vs dynamic QR, printing tips, and how to protect yourself from fake QR fraud. Offer Letter vs Appointment Letter vs Experience Letterhttps://mishraworld.com/guides/offer-vs-appointment-vs-experience-letter/https://mishraworld.com/guides/offer-vs-appointment-vs-experience-letter/Tue, 29 Sep 2026 03:30:00 GMTWhat an offer letter, appointment letter and experience letter each are, what they must contain, sample clauses, and how they differ from a relieving letter. GST 2.0 Explained: 12% and 28% Slabs Removed — New 5%, 18% and 40% Rateshttps://mishraworld.com/guides/gst-2-0-new-gst-rates-12-28-removed/https://mishraworld.com/guides/gst-2-0-new-gst-rates-12-28-removed/Fri, 02 Oct 2026 03:30:00 GMTFrom 22 September 2025 GST has two main slabs, 5% and 18%, plus 40% for luxury and sin goods. What moved where, what it means for your invoices, and the 1 February 2026 tobacco change. HRA Exemption: 50% Limit Now for 8 Cities — Bengaluru, Hyderabad, Pune, Ahmedabad Addedhttps://mishraworld.com/guides/hra-50-percent-8-cities-income-tax-rules-2026/https://mishraworld.com/guides/hra-50-percent-8-cities-income-tax-rules-2026/Fri, 02 Oct 2026 03:30:00 GMTFrom 1 April 2026 the Income-tax Rules 2026 extend the 50% HRA limit to Bengaluru, Hyderabad, Pune and Ahmedabad. See the new list, the formula and a worked example. New Income-tax Act 2025 Is in Force: What “Tax Year” Means and What Stays the Samehttps://mishraworld.com/guides/income-tax-act-2025-tax-year-explained/https://mishraworld.com/guides/income-tax-act-2025-tax-year-explained/Fri, 02 Oct 2026 03:30:00 GMTThe Income-tax Act, 2025 replaced the 1961 Act from 1 April 2026. “Tax Year” replaces FY and AY; slabs, the ₹12 lakh rebate and standard deduction stay. Plain-English guide. New Labour Codes: The 50% Wage Rule and What It Means for Your Salary, PF and Gratuityhttps://mishraworld.com/guides/new-labour-codes-50-percent-wage-rule-salary/https://mishraworld.com/guides/new-labour-codes-50-percent-wage-rule-salary/Fri, 02 Oct 2026 03:30:00 GMTIndia’s four Labour Codes came into force on 21 November 2025. Basic + DA must now be at least 50% of pay, which can raise PF and gratuity and lower take-home pay. Examples inside. PPF, SSY, NSC, SCSS Interest Rates for October–December 2026: Unchangedhttps://mishraworld.com/guides/small-savings-interest-rates-oct-dec-2026/https://mishraworld.com/guides/small-savings-interest-rates-oct-dec-2026/Fri, 02 Oct 2026 03:30:00 GMTSmall savings interest rates for Q3 FY 2026-27 (1 October – 31 December 2026) are unchanged: PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5% and more. Full table.