{"id":1720,"date":"2026-05-21T11:23:50","date_gmt":"2026-05-21T05:53:50","guid":{"rendered":"https:\/\/cajdshah.com\/blog\/?p=1720"},"modified":"2026-05-21T11:23:50","modified_gmt":"2026-05-21T05:53:50","slug":"personal-finance-tips-strategic-wealth-growth","status":"publish","type":"post","link":"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/","title":{"rendered":"Personal Finance Revolution: From Savings to Strategic Wealth Growth"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1765522538490{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<p>Saving money and building wealth are not the same thing. Most people treat them like they are, and that&#8217;s where the gap starts.<\/p>\n<p>You can do everything right on paper. Regular salary, no bad debt, money going into a savings account every month. And still, ten years later, feel like you have less than you should. Because saving keeps your money intact. It doesn&#8217;t make it grow. And in a country where inflation quietly runs at 5 to 6% a year, money that isn&#8217;t growing is actually shrinking.<\/p>\n<p>This is about what comes after saving. How salaried professionals, business owners, and families in Mumbai can move from just keeping money safe to actually building something with it. Tax planning, investments, insurance, real estate, knowing when to get help. The full picture, without the jargon.<\/p>\n<p>[\/vc_column_text][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#1_Savings_Is_the_Floor_Not_the_Ceiling\" >1. Savings Is the Floor, Not the Ceiling<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#2_The_Tax_You_Dont_Plan_For_Is_the_Tax_You_Overpay\" >2. The Tax You Don&#8217;t Plan For Is the Tax You Overpay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#3_Investment_Is_Not_a_Personality_Type\" >3. Investment Is Not a Personality Type<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#4_Real_Estate_RERA_and_What_People_Get_Wrong\" >4. Real Estate, RERA, and What People Get Wrong<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#5_Insurance_Is_Not_an_Investment_Stop_Treating_It_Like_One\" >5. Insurance Is Not an Investment (Stop Treating It Like One)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#6_When_to_Bring_in_a_Professional\" >6. When to Bring in a Professional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#7_Building_Wealth_Is_Boring_on_Purpose\" >7. Building Wealth Is Boring on Purpose<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/cajdshah.com\/blog\/personal-finance-tips-strategic-wealth-growth\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Savings_Is_the_Floor_Not_the_Ceiling\"><\/span>1. Savings Is the Floor, Not the Ceiling<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A savings account earning 3% annually in a country where inflation runs at 5 to 6% is technically losing you money. Not in your bank balance, but in purchasing power. Ten lakhs today will not buy the same things ten years from now, and parking money in a savings account is how you feel safe while quietly falling behind.<\/p>\n<p>This is not an argument against saving. Emergency funds are real, liquidity matters, and having three to six months of expenses in an accessible account is basic financial hygiene. But that&#8217;s where savings belong, as a buffer, not as a wealth strategy.<\/p>\n<p>Beyond the buffer, money needs to work. And that requires a different mindset than just not spending it.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;1727&#8243; img_size=&#8221;large&#8221; style=&#8221;vc_box_shadow_border&#8221;][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_The_Tax_You_Dont_Plan_For_Is_the_Tax_You_Overpay\"><\/span>2. The Tax You Don&#8217;t Plan For Is the Tax You Overpay<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most salaried professionals think about tax once a year, somewhere between January and March, when their employer asks for investment proofs. That&#8217;s the worst possible time to think about it.<\/p>\n<p>Tax planning is a year-round activity, or at least it should be. The regime you&#8217;re in, the deductions you claim, the structure of your salary, the way your investments are held, all of it affects how much of your income you actually keep.<\/p>\n<p>The 80C limit of Rs. 1.5 lakh, the additional Rs. 50,000 under NPS via 80CCD(1B), the HRA exemption if you rent, the home loan interest deduction under Section 24(b), the health insurance premium under 80D. None of these are exotic. All of them are routinely under-used.<\/p>\n<p>A good tax consultant in Mumbai will map this for you in a single conversation. What you&#8217;re currently claiming, what you&#8217;re missing, and what the delta looks like in actual rupees. Most people are surprised.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Investment_Is_Not_a_Personality_Type\"><\/span>3. Investment Is Not a Personality Type<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There&#8217;s a version of personal finance advice that treats investing like a lifestyle choice. You&#8217;re either the type who invests or you&#8217;re not. That framing is not helpful and frankly a bit lazy.<\/p>\n<p>Investing is a skill you build over time by starting with something, understanding it, and then expanding. Mutual funds through SIPs are accessible to almost anyone with a salary. So are PPF accounts and NPS. Direct equities come later, when you understand what you&#8217;re buying and why.<\/p>\n<p>The question to ask is not whether you&#8217;re &#8216;an investor&#8217;. It&#8217;s: where is money sitting that could be working harder without meaningfully increasing my risk?<\/p>\n<p><strong>A basic starting framework for most salaried individuals:<\/strong><\/p>\n<ul>\n<li>Emergency fund covering 3 to 6 months of expenses in a liquid account<\/li>\n<li>Term insurance cover of at least 10 to 15 times annual income<\/li>\n<li>Health insurance for yourself and dependents, separate from employer cover<\/li>\n<li>Systematic investment into diversified mutual funds via monthly SIPs<\/li>\n<li>NPS contribution to utilise the 80CCD(1B) deduction<\/li>\n<li>Review once a year with a professional, not a salesperson<\/li>\n<\/ul>\n<p>This isn&#8217;t complicated. It doesn&#8217;t require market knowledge or financial expertise. It requires consistency.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Real_Estate_RERA_and_What_People_Get_Wrong\"><\/span>4. Real Estate, RERA, and What People Get Wrong<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Real estate is deeply emotional for most Indian families. Buying property feels like real wealth in a way that a mutual fund statement doesn&#8217;t. And there&#8217;s genuine logic to it: property in the right location does appreciate, rental income is real, and a paid-off home is a meaningful asset.<\/p>\n<p>But the calculations people use to justify real estate decisions are often incomplete. They count the appreciation and the rental yield. They don&#8217;t account for stamp duty, registration costs, maintenance, property tax, brokerage, holding costs during vacancy, and the opportunity cost of the capital.<\/p>\n<p>Then there&#8217;s the project risk. Delayed possession, disputes about carpet area, developer insolvency. These are not rare edge cases. They&#8217;re common enough that RERA was specifically created to address them.<\/p>\n<p>If you&#8217;re buying property,<a href=\"https:\/\/cajdshah.com\/rera-registration-services.html\" target=\"_blank\" rel=\"noopener\"> RERA registration<\/a> is something to verify before anything else. Not after. A project that isn&#8217;t registered or whose approvals aren&#8217;t in order is a problem you&#8217;re inheriting. RERA consultants who understand how the Maharashtra authority works can do this check quickly and flag issues before they become expensive.<\/p>\n<p>Real estate belongs in a portfolio for most people. Just not at the expense of everything else, and not without the legal checks that protect what&#8217;s often the largest single purchase of a lifetime.[\/vc_column_text][vc_single_image image=&#8221;1726&#8243; img_size=&#8221;large&#8221; style=&#8221;vc_box_shadow_border&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Insurance_Is_Not_an_Investment_Stop_Treating_It_Like_One\"><\/span>5. Insurance Is Not an Investment (Stop Treating It Like One)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The endowment policy and the ULIP are two of the most widely sold financial products in India. They&#8217;re also two of the least efficient ways to do either insurance or investment.<\/p>\n<p>The logic behind them sounds appealing: pay premiums, get life cover, and get money back at the end. The problem is you pay heavily for the bundling. The insurance component is expensive relative to a standalone term policy. The investment component underperforms relative to a direct mutual fund of equivalent risk. You&#8217;re doing both things worse because you&#8217;re doing them together.<\/p>\n<p>Term insurance is cheap and gives you real cover. A 35-year-old in good health can get a Rs. 1 crore term policy for under Rs. 15,000 a year. That&#8217;s not a significant number. What&#8217;s significant is the Rs. 1 crore your family gets if something happens, versus the limited cover in most bundled products.<\/p>\n<p>Separate your insurance from your investments. Keep term insurance for protection. Use mutual funds or NPS for growth. This is not controversial advice. It&#8217;s just ignored a lot.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_When_to_Bring_in_a_Professional\"><\/span>6. When to Bring in a Professional<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Personal finance has a DIY appeal. There&#8217;s information everywhere. YouTube channels, Reddit threads, Twitter finance personalities. And a lot of it is genuinely useful for building basic literacy.<\/p>\n<p>But there are situations where generic advice stops working and specific expertise starts mattering.<\/p>\n<p>If you have business income alongside salary, your tax situation is not straightforward. If you&#8217;re buying property, especially in a project still under construction, you need legal and compliance oversight. If your company is growing and approaching a stage where external capital or IPO is on the table, your personal financial planning needs to align with what that journey looks like.<\/p>\n<p>Chartered accountant firms in Mumbai that handle both individual and business clients can see the full picture in a way that a generic financial advisor often can&#8217;t. The tax implications of a salary restructuring, the audit and assurance requirements if you&#8217;re a director in a private company, the compliance trail needed before an IPO consultant can take you through a listing process, these things are connected.<\/p>\n<p>The right time to bring in a professional is before you make the decision, not after you&#8217;ve made it and need help cleaning it up. That&#8217;s true for property purchases, for business structuring, for investment decisions above a certain threshold, and for anything involving regulatory compliance.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Building_Wealth_Is_Boring_on_Purpose\"><\/span>7. Building Wealth Is Boring on Purpose<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The investing content that gets the most attention is about big returns, sector bets, multibagger stocks, and timing the market. None of that is how most wealth actually gets built for most people.<\/p>\n<p>What actually works looks a lot less interesting. Consistent SIPs running for ten or fifteen years. Term insurance bought young when it&#8217;s cheap. A home loan that gets paid down steadily. Tax planning done at the start of the year instead of the end. A portfolio reviewed once a year and rebalanced without drama.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;1728&#8243; img_size=&#8221;large&#8221; style=&#8221;vc_box_shadow_border&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]The boring version of personal finance outperforms the exciting version almost every time. Not because excitement is bad, but because consistency compounds and excitement is usually episodic.<\/p>\n<p>Mumbai is full of people who earn well and don&#8217;t feel wealthy. The gap is almost always behavioural: spending patterns that never got reviewed, investments that never got started, tax that never got planned, property decisions made on emotion rather than numbers. These aren&#8217;t fatal. They&#8217;re fixable. But they compound too, just in the wrong direction.<\/p>\n<p>The CA firms have the same conversation with clients year after year. Not because clients are irresponsible. Because without structure and accountability, the easy thing is always to deal with money later. And later keeps arriving.[\/vc_column_text][vc_separator][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1765522550472{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span>Final Thoughts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This isn&#8217;t a complicated subject. It just feels that way because nobody taught it clearly and there are a lot of people trying to sell you something while pretending to help.<\/p>\n<p>Start with the basics. Know what you own, what you owe, what you&#8217;re paying in tax, and what your money is doing while you sleep. Most people don&#8217;t have a clear picture of all four. Getting that picture is where the work starts.<\/p>\n<p>From there, the decisions aren&#8217;t that hard. Emergency fund, term insurance, health insurance, SIP into diversified funds, tax planning with someone who knows what they&#8217;re doing, property decisions backed by RERA checks and proper legal review. That&#8217;s most of it.<\/p>\n<p>Get those right and review them once a year. That&#8217;s the whole playbook.<\/p>\n<p><strong>At <a href=\"https:\/\/www.linkedin.com\/company\/jdshahassociates\/\" target=\"_blank\" rel=\"noopener\">JD Shah Associates<\/a><\/strong>, one of the leading <strong>chartered accountant firms in Mumbai<\/strong>, we work with individuals and businesses who want to stop guessing and start planning properly. Whether you need a <strong>tax consultant in Mumbai<\/strong> to sort your annual filings, a <strong>GST consultant<\/strong> for your business, support from <strong>RERA consultants<\/strong> before a property transaction, or an <strong>IPO consultant<\/strong> for your growth journey, our team has handled it. Recognised as the <strong>best CA firm in Borivali, Mumbai<\/strong>, we also provide<a href=\"https:\/\/cajdshah.com\/audit-assurance-services.html\" target=\"_blank\" rel=\"noopener\"> <strong>audit and assurance<\/strong><\/a> services for businesses that need their numbers to hold up under scrutiny. If your finances need a proper look, this is a good time to get one.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_1720\" class=\"pvc_stats all  \" data-element-id=\"1720\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/cajdshah.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" =0 title=\"\"><\/p>\n<div class=\"pvc_clear\"><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1765522538490{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text] Saving money and building wealth are not the same thing. Most people treat them like they are, and that&#8217;s where the gap starts. You can do everything right on paper. Regular salary, no bad [&hellip;]<\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_1720\" class=\"pvc_stats all  \" data-element-id=\"1720\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/cajdshah.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":1724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[57,41,50,58],"class_list":["post-1720","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-income-tax","tag-gst-consultant","tag-rera-registration","tag-tax-consultant","tag-tax-consultant-in-mumbai"],"_links":{"self":[{"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/posts\/1720","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/comments?post=1720"}],"version-history":[{"count":5,"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/posts\/1720\/revisions"}],"predecessor-version":[{"id":1729,"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/posts\/1720\/revisions\/1729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/media\/1724"}],"wp:attachment":[{"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/media?parent=1720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/categories?post=1720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cajdshah.com\/blog\/wp-json\/wp\/v2\/tags?post=1720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}