Ms. Kalpana N. Shah, proprietor of Dreams Consultancy, comes from a very humble Family background with a very ordinary education of up to S.S.C, but with an extraordinary dream and an unbeatable positive attitude. Born at Ahmednagar on 20th November 1955, she started her Life Insurance & Non-Life Insurance Agency on 2nd February 1999, i.e. in her 40's when most women thing of Retiring. With her passion to succeed, in a very short span of time she has achieved a very significant position of over 15 times M.D.R.T (USA) Qualifier.
Salaried individuals claiming HRA under the old tax regime must disclose their relationship with landlords in Form 124 if rent exceeds ₹1 lakh, per Draft Income Tax Rules, 2026.
The draft Income-tax Rules, 2026 signal a calibrated overhaul of India’s tax compliance framework — raising thresholds for routine banking and property transactions, revising salary perquisite valuations, and expanding exemptions for families, while simultaneously tightening digital scrutiny and foreign income reporting norms.
