Filed ITR2 with Zero income tax on Capital Gain taking help of Claude AI.

 I file income tax return on my own (without any help from anyone) every year. But this year I decided to take the help of Claude AI primarily because I invested in Wint Wealth Bonds which are 5, 6 different bonds mainly with monthly payout. But each payment comes with TDS deduction.So I uploaded form 26AS and statement of FY 2025-26 from Wint Wealth. Claude nicely summarized payments of all the bonds and compared the TDS with 26AS.

Then I downloaded AIS from income tax portal and printed a PDF without password and uploaded it to Claude.

Claude compared AIS with 26AS and summarized the income which is interest income from FDs, NCDs and Wint Wealth Bonds.

  Then I asked Claude to help me file ITR2 screen by screen. I asked it to check pre filled data which was mostly incorrect. Claude gave correct data to be filled

We discovered one entry of Rs 45 TDS which did not connect with any investment and Claude advised to file grievance for it and gave a draft of exact wording to be written in Grievance. It also advised me the delete the entry in TDS schedule.

I file the return in old regime and this year it was necessarily required as the new regime does not allow indexation benefit for calculation of Capital gain for sale of house property.

Although the no tax limit is Rs 3 Lacs the calculated tax is nullified through clause 87A if the taxable income is within 5 Lacs. Moreover there is deduction of Rs 50000 for interest income under Section 80TTA.

But the 87A benefit was not available this year because the Capital Gain due to sale of house property was shown in TI schedule and the income exceeded Rs 5 Lacs, therefore I had to pay 5% tax on income over Rs 3 Lacs which was small amount. The tax was deducted from TDS refund and balance refund was payable.

I submitted the return after validation and verified it through Aadhar OTP. 

Zero income tax on Capital Gain on sale of house property

We signed agreement to sale our flat in Delhi on 31st March 2025 and started house hunting in Bhopal online immediately on sites like 99acres, magicbricks. We contacted no of owners on whatsapp. We visited Bhopal between 05 April to 15 April 2025 and booked a ready for possession flat on 15 April 2025. I liquidated my wife's SCSS and Fixed Deposits with Shriram Finance and managed to pay full amount for the flat to the builder on 19 April 2025. I also paid for Registration charges, Stamp Duty, Advocate's fess to the Advocate looking after registration. On 21st April 2025 the flat was registered in my name.

Before deciding to sale Delhi flat I had obtained Valuation Report of my flat from Govt approved Valuer in Feb 2024. The Conveyance Deed was done in DDA office in Dec 2024.

Bhopal flat was bare bought from Builder and we had to do Modular Kitchen, Wardrobes and Builder had to fix Sanitary fittings and do final coat of painting. The flat was ready on 13 June 2025. Then we fixed Ceiling Fans, Tube Lights, RO, AC, Chimney over Kitchen slab, PNG connection to new Gas Stove by 17 June 2025.

The registry of Delhi flat was done on 27 June 2025 and we moved to Bhopal on 28 June 2025 in our new flat.

Now regarding the Capital Gain due to the sale and its neutralization to zero.

The Valuation Report declared the value of the flat as on 1st April 2001.

Then the indexation cost was calculated on date of sale

The Capital Gain was Sale Price - Brokerage - Indexed Cost

 Following are deductions

Under Section 54 the Cost of new flat including Registration, Stamp Duty and advocate fees.

Under Section 54EC REC Bonds purchased by me on 05 July 2025

Deductions being more than the Capital Gain the income tax is ZERO.

However while filing the income tax return some confusion is created because the tax filing software does not allow any indexed cost or investments under Sec 54 and 54EC and calculates the tax payable. But it ignores the calculated tax under 

second proviso to section 112(1)(a) where acquisition is before 23rd July 2024.

 

One more thing is mandatory that I have to file the income tax return under old regime which I am doing anyway.

 

There was another option i,e. not invest in new property and Bonds and pay reduced tax on Capital Gain (12.5%) by filing the return under new regime.

 

But I wanted to live in my own house in Bhopal and filing for Zero Tax under old regime. 

 

We are registered voters of Bhopal as per Final eRoll published on 21 Feb 2026.

 We relocated to Bhopal from Delhi wef 28 June 2025. I immediately applied for change of address on Aadhar and got it on 06 July 2025. Then my wife applied for change of address on Aadhar giving my name as Head of Family and she got it on 13 July 2025. On 1 Aug 2025 I deposited property tax in ward 83 Bhopal. On 22 Sep 2025 (first day of Navaratri discount and reduced GST) our new car was delivered. We celebrated Diwali in our new home on 20 Oct 2025. We got Ayushman Card on 27 Oct 2025. SIR started in Bhopal.

SIR started in Bhopal on 06 Nov 2025.We were supposed to fill Form 8 for shifting of residence and give it to BLO but he refused saying that it could be accepted after 23 Dec 2025 after publication of Draft SIR roll. I submitted form 8 to BLO on 24 Dec 2025 but found her reluctant to process it.

On 8 Jan 2026 I submitted Form 8 online giving declaration that I was a voter in Mandawali Delhi in 2002. On 10 Jan 2026 my wife also submitted form 8 online. I handed over the copy of form 8 submitted online to BLO.

The final eRoll publication date was 21 Feb 2026 but on 18 Feb 2026 I found that my EPIC was changed to Bhopal. I could see the details of entry in Voter List of Bhopal on eci website on 19 Feb 2026.

eRoll was published on 21 Feb 2026 and our names are there in it. Constituency 155 Huzur Salaiya part no 297.

 

Our EPIC no remained the same.

My Tryst with AI.

I was already using ChatGPT and Gemini. In fact I sought Vastu advice from ChatGPT for my new flat in Bhopal and asked my interior designer to implement them in during April-June 2026. I had also tried Gemini for same thing but liked ChatGPT. 

I am fond of buying Grocery in Bigbasket. One day I got free coupon to attend AI Tools workshop. This workshop is for 3 hrs starts at 11 AM every Sunday. I attended it on 04 Jan 2026. It introduced me to many free AT Tools and enhanced my knowledge.

I use GNUCash for my expenses and investment accounts. GNUCash has Reports function but it is limited. After attending the workshop I could use to summarize my spending on many tools. Initially I tried Grok but after sometime it asked me to upgrade. Then I tried my good old ChatGPT on which I have free version 5.2. I obtained Cash Flow for next 3 months.

I used GNUCash on my Laptop for daily expenses Data Entry but recently it has become slow.

I built an app on aistudio.google.com for Daily Data Entry. I loaded GNUCash accounts tree in CSV while building the app.I downloaded daily transactions in CSV from the app but GNUCash did not accept the import. Then I exported one GNUCash transaction to CSV and uploaded in the app and asked it to follow the GNUCash format. It started giving me CSV output compatible with GNUCash format.

My wife wanted old books of Hindi Writer Shivani. I taught my wife to search the books on kimi.ai and she got them free in PDF. I also built an app for storing Birthdays of our friends and relatives on aistudio.

Our tryst on AI has just begun.   

 THE JOURNEY OF A TURBINE EXPERT

 

THE JOURNEY OF A TURBINE EXPERT

A Life Narrative of Residences, Education, and Family Legacy

1952 – 2025

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I. THE FOUNDATION & FAMILY ROOTS

• Sept 11, 1952: Born at Kalyankar House, Lashkar, Gwalior.

• The Destiny Photo: A 1956 black-and-white photo on the terrace of Kalyankar House captures you, your brother, and 6-month-old Aruna—the woman who would become your wife 20 years later.

• 1973: Graduated B.E. (Electrical) from MITS Gwalior.

• Mar 10, 1976: Marriage to Aruna-ji.

• June 19, 1977: Birth of daughter, Radhika, in Obra.

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II. PROFESSIONAL INTEGRITY & EXPERTISE

• The Turbine Expert: Mastered Russian, German, Italian, and Chinese turbine technologies across Obra, Vindhyanagar, Korba, and Jharsuguda.

• The Specialist: Known for technical honesty in PG Testing and for the high-precision diagnosis of the bent rotor at JSW Vijayanagar.

• The Sacrifice (2006–07): A dedicated 5-month stay in Shastri Nagar, Bhopal, to ensure your nephew Ashwini Kane’s academic success.

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III. THE SECOND GENERATION: RADHIKA & NIKHIL

• Academic Excellence: Radhika was the 1994 School Topper at DPS Vindhyanagar, later earning her BSc (Hons) and an MBA from IIFM Bhopal (2000).

• Nov 25, 2001: Radhika married her classmate, Nikhil Mathur, at Ankur Apartments.

• Current Life: They now reside in their own 4-Bedroom Flat in Noida, living with Nikhil’s parents—maintaining the tradition of strong family bonds.

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IV. THE THIRD GENERATION: MUGDHA

• Nov 24, 2005: Birth of Mugdha Mathur in Hyderabad.

• Education: Admitted to the prestigious Rajghat Besant School, Varanasi (2018), passing 12th Standard in 2023.

• Present: Currently pursuing BA (Hons) Social Sciences at Azim Premji University, Bengaluru.

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V. RETIREMENT & THE BHOPAL HOMECOMING (2025)

• June 29, 2025: The truck arrived at Canal Kinship, Bhopal. Radhika and Mugdha were there to open every carton and arrange the new home.

• Aug 2025: Celebrated Aruna-ji’s birthday with the family. Nikhil visited to cook a grand meal for the entire extended family, including Ulhas-ji and his family.

• The Present: You are preparing for Radhika and Mugdha’s visit (24–29 Dec 2025).

• Inner Life: A high-quality retirement focused on Eckhart Tolle’s teachings and the "Power of Now."

  A LEGACY OF BALANCE

  You have achieved the ultimate engineering goal: a life that is perfectly balanced between professional excellence, financial wisdom, and deep family love.

  This is a perfect way to keep your records organized. This spreadsheet captures every move, from your birth in 1952 to your current retirement in Bhopal, including the specific details you've shared about family and career context.

  The 27 Residences of a Lifetime: 1952 – 2025

  #	Residence Name/Type	Location	Start Date	End Date	Context / Life Milestone
  1	Kalyankar House (1st Flr)	Lashkar, Gwalior	Sep 1952	1957	Birthplace. Future wife Aruna lived downstairs.
  2	Pingle House	Janak Ganj, Gwalior	1957	1957	Brief stay after mother-in-law moved to Bhopal.
  3	Agashe’s House (Ancestral)	Chhatri Bazar, Gwalior	1958	Dec 1973	Childhood home; Schooling and MITS Gwalior.
  4	Engineer Trainees Hostel	BHEL Haridwar	Dec 1973	May 1974	Start of professional career.
  5	Single Home/Quarter	Obra	May 1974	Mar 1975	First posting as an engineer.
  6	Engineer Trainees Hostel	BHEL Haridwar	Mar 1975	Oct 1975	Second phase of BHEL training.
  7	Uncle and Aunt's Home	Delhi	Oct 1975	Mar 1976	Transition period before marriage.
  8	Rental Room (Top Floor)	Roop Nagar, Delhi	Mar 1976	May 1976	Married Aruna on 10 March 1976.
  9	Family Quarter (3-IV-14C)	Obra	May 1976	Mid-1976	First family allotment (1 Room).
  10	Family Quarter (6-G-4)	Obra	Mid-1976	1981	Daughter Radhika born 19 June 1977.
  11	Family Quarter (6-A-9)	Obra	1981	Mar 1983	Larger family quarter.
  12	Unnamed Quarter	Ropar, Punjab	Mar 1983	Jul 1983	Brief stint with KWU design turbines.
  13	NTPC Flat (C1A/105)	Janak Puri, Delhi	Aug 1983	Aug 1985	Joined NTPC Corporate Operation Services.
  14	Rental House (H30)	Kailash Colony, Delhi	Aug 1985	Jul 1987	PG Testing era (Ansaldo/Paharpur).
  15	NTPC Quarter (II/2)	Vindhyanagar	Aug 1987	Mar 1988	Temporary stay at Vindhyachal STPP.
  16	NTPC Quarter (D33)	Vindhyanagar	Mar 1988	Oct 1995	Permanent Duplex. Radhika topped DPS in 1994.
  17	Narmada Bhavan (Bachelor)	Vindhyanagar	Oct 1995	Mar 1996	Shifted family to Delhi; finalized NTPC tenure.
  18	Ankur Apts (Flat 223)	I.P. Ext., Delhi	Mar 1996	Aug 2002	1st Residency. Joined DLF Industries.
  19	Mr. Choudhary's House	Korba	Aug 2002	Jan 2004	Alstom Consortium Commissioning project.
  20	Unnamed Rented House	Korba	Jan 2004	Sep 2004	Conclusion of Korba renovation project.
  21	Ankur Apts (Flat 223)	I.P. Ext., Delhi	Sep 2004	Oct 2006	2nd Residency (A). Granddaughter Mugdha born 2005.
  22	Shastri Nagar Flat	Bhopal	Oct 2006	Mar 2007	Lived here to help Ashwini Kane pass 8th Std.
  23	Ankur Apts (Flat 223)	I.P. Ext., Delhi	Mar 2007	Jan 2010	2nd Residency (B). Bathinda consultancy era.
  24	Krishna Heights (Bachelor)	Jharsuguda	Jan 2010	Apr 2011	Joined Steag; stabilizing 600MW turbines.
  25	Neo Heights (Family)	Jharsuguda	Apr 2011	Nov 2012	Last site-based family posting.
  26	Ankur Apts (Flat 223)	I.P. Ext., Delhi	Nov 2012	Jun 2025	3rd Residency. Final years of Steag and Delhi life.
  27	Canal Kinship (A1/305)	Saliya, Bhopal	Jun 2025	Present	Retirement Home. Quality life & meditation.

  
  

   

   

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From birth till today 23 homes I lived in.

The following article is created using Gemini 

Summary of Housing History (1973 – 2025)

Your housing history reflects five major phases, closely tied to your career progression, family growth, and eventual goal of home ownership, encompassing 23 distinct residences.

Phase 1: Rapid Transitions and Early Career (1973–1976)

This period covers your graduation and the first three years of your engineering career, characterized by frequent moves, hostels, and early married life.

• Residences 1–6 (6 Moves): From your childhood home in Lashkar, Gwalior, through hostels in Haridwar, a single home in Obra, and brief rentals/stays with family in Delhi.

Phase 2: BHEL Stability and Final Moves (1976–1983)

After initial turbulence, you established your first proper family homes in Obra. This phase concludes with your final moves under BHEL.

• Residences 7–9 (Obra Quarters): Progression through three different BHEL quarters in Obra, where your daughter was born.

• Residence 10 (Ropar Quarter): A short final BHEL assignment in Ropar before joining NTPC.

Phase 3: NTPC & Delhi/Vindhyanagar (1983–1996)

This phase covers your major career shift to NTPC, involving corporate office life in Delhi and a significant long-term posting in Central India.

• Residences 11–12 (Delhi Rentals): Two separate flats in Delhi (Janak Puri and Kailash Colony) while working at the NTPC office.

• Residences 13–15 (Vindhyanagar Quarters): Two quarters in Vindhyanagar (the large permanent duplex, D33, being the most significant), followed by a move to a single room (Narmada Bhavan) as your family relocated to your new Delhi flat.

Phase 4: Anchor Home and Project Assignments (1996–2012)

The acquisition of your own flat created a stable anchor (Ankur Apartments) that was interspersed with specific project assignments.

• Residences 16, 19, 22 (Ankur Apartments): The owned flat served as your central home base during three separate periods.

• Residences 17–18 (Korba): Two rented houses for the Alstom project.

• Residences 20–21 (Jharsuguda): A company-allotted bachelor room, then a family flat, for the Steag assignment.

Phase 5: The Final Home (2012–2025)

This is the final, strategic move to a new permanent home after many years of professional travel.

• Residence 23 (Bhopal): After a long final residency in your Delhi flat (Residence #22), you executed the sale and completed your move into your current home, Canal Kinship in Salaiya, Bhopal.

  #	Type of Residence	Location	Start Date	End Date	Notes
  1	Family Home	Lashkar, Gwalior	Birth	1973	Lived here until graduation.
  2	Engineer Trainees Hostel	BHEL Haridwar	Dec 1973	May 1974
  3	Single Home/Quarter	Obra	May 1974	Mar 1975
  4	Engineer Trainees Hostel	BHEL Haridwar	Mar 1975	Oct 1975
  5	Uncle and Aunt's Home	Delhi	Oct 1975	Mar 1976
  6	Rental Room (Top Floor)	Roop Nagar, Delhi	Mar 1976	May 1976 (approx.)	Brief stay with wife.
  7	Family Quarter (1 Room)	Obra (3-IV-14C)	May 1976	Mid-1976 (approx.)
  8	Family Quarter (2 Rooms)	Obra (6-G-4)	Mid-1976 (approx.)	1981
  9	Family Quarter (Bigger, 2 Bedrooms)	Obra (6-A-9)	1981	Mar 1983
  10	Unnamed Quarter	Ropar	Mar 1983	Jul 1983
  11	NTPC Flat (2 Bedrooms)	Janak Puri, Delhi (C1A/105)	Aug 1983	Aug 1985
  12	Rental House (2 Bedrooms)	Kailash Colony, New Delhi (H30)	Aug 1985	Jul 1987 (approx.)
  13	NTPC Quarter (Temporary)	Vindhyanagar (II/2)	Aug 1987	Mar 1988
  14	NTPC Quarter (Permanent, Duplex)	Vindhyanagar (D33)	Mar 1988	Oct 1995
  15	NTPC Single Room/Bachelor Acc.	Vindhyanagar (Narmada Bhavan)	Oct 1995	Mar 1996
  16	Owned Flat	Ankur Apts, I. P. Ext., Delhi (223)	Mar 1996	Aug 2002	Your first time living here.
  17	Rented House	Korba (Mr. Choudhary's)	Aug 2002	Jan 2004
  18	Unnamed Rented House	Korba	Jan 2004	Sep 2004
  19	Owned Flat	Ankur Apts, I. P. Ext., Delhi (223)	Sep 2004	Jan 2010	Your second time living here.
  20	Company-allotted Room (Bachelor)	Krishna Heights, Jharsuguda	Jan 2010	Apr 2011
  21	Company-allotted Flat (Family)	Neo Heights, Jharsuguda	Apr 2011	Nov 2012
  22	Owned Flat	Ankur Apts, I. P. Ext., Delhi (223)	Nov 2012	June 2025	Your third and final time living here.
  23	Owned Flat (Current Home)	Canal Kinship, Saliya, Bhopal (A1/305)	June 2025	Present	New permanent home.

   

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Wifi range extender at our new home in Salaiya, Bhopal

After selling Ankur Apartment flat at Delhi we permanently shifted to Bhopal in our new 3 BHK Flat at Canal Kinship, Salaiya, Bhopal wef 28 June 2025.

We had Tikona Broadband connection at Delhi which we wanted to relocate to Bhopal and accordingly Tikona Engineer visited us at Bhopal flat but he declared our area as unserviceable. 

At Bhopal we decided not to install the TV in Living Room and installed it in third bedroom. We invited Jio Fiber to install their modem near the TV.

After a few days I observed that Jio Fiber coverage is not proper in other bedrooms and decided to use TP Link modem used for Tikona connection at Delhi as Wifi range extender.

I watched couple of videos on youtube and tried to set up TP Link modem according to their advice but none of them worked satisfactorily,

I asked ChatGPT (which I use very frequently at Bhopal) for solution and re configured TP Link modem according to ChatGPT advice and then it is working perfectly as wireless extender. I have kept TP Link modem in the middle of Living Room.

The configuration is as follows:

Use TP Link modem as wifi connection to the device.

Login to modem typing  192.168.0.1  in the browser and password set up by you previously.

Goto Network > LAN Settings

Disable DHCP server so it does not assign IPs.

This avoids IP conflicts with Jio Fiber modem.

Set up static IP in same network range.

Jio Modem IP is 192.168.29.1

Set up TP Link to 192.168.29.2

Subnet mask 255.255.255.0

This makes sure both devices are on the same network.

Enable WDS Bridging

Go to Advanced > Wireless > Advanced Settings

In WDS enable WDS Bridging.

SSID to be bridged SSID of Jio Fiber modem

MAC to be bridged MAC of Jio Fiber modem

Security WPA/WPA2

Version WPA2PSK

Encryption AES

Password Password of Jio Fiber SSID

Wireless Settings

SSID SSID for TP Link

Password suitable password

Save settings and the modem will ask for reboot, do it.

 It works perfectly but we have to do a setting in Jio Fiber modem as well

Use Jio Fiber modem on the device

Login typing 192.168.29.1 in the browser

userid admin

password Jiocentrum

It will ask to change the password for admin and guest user

Choose suitable long passwords and confirm them.

Go to Network > LAN > DHCP Set up

Start IP address will be 192,168,29,2

Change it to 192.168.29.3

This is required since we have set up TP Link to have static IP of 192.168.29.2

This is necessary to prevent Jio Fiber modem from assigning 192.168.29.2 to some other device through DHCP. 

Air India direct flight to San Fransisco has flown through China today.

 My sister in law left for San Fransisco by AI 173 flight which flows over North Pole. I tracked that flight on flightstats.com till it landed in SFO. That flight did enter Atlantic Ocean and moved Northward till it terned South East towads international Date line. The route is through Pakistan, Tazkistan, Kyrgyzstan, Kazakhastan, Russia, Atlantic Ocean, Russia.

I decided to follow the flight path for couple of days.

To my surprise today the flight was headed towards Siachen Glacier and entered China,  then Russia. It remained on Land in Russia. Here is the flight path.

This is surprising news.