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Section 80D is one of the most underutilized tax deductions in India. Many people claim it partially, claim it wrong, or miss deductions they are entitled to. Here is the full picture. What Section 80D Actually Covers Section 80D allows deduction from taxable income for: Health insurance premiums paid for yourself, spouse, and dependent children Health insurance premiums paid for your parents Preventive health check-up expenses (within limits) Medical expenditure for very senior citizens (if no insurance available) These are separate buckets with separate limits, which is where the confusion starts. ...

Several open-weight models now match or exceed GPT-4o on specific benchmarks while running on hardware you can rent for $2/hour. Here is what that means in practice.

Your first tech job is where the real education starts. College teaches you CS concepts. Your first job teaches you how software actually gets built, shipped, and maintained in the real world - and how careers actually work. Most of what you will be told in your first few weeks is logistical: how to set up your laptop, where to find the docs, who to ask for what. Nobody is going to give you the actual playbook. ...

Walk into any conversation about term insurance in India and someone will say “take at least Rs. 1 crore cover.” It is repeated so often it has become unquestioned gospel. The problem is that for most families with a decent income, Rs. 1 crore is nowhere near enough. Here is why - and how to actually calculate what you need. Why Rs. 1 Crore Became the Default Ten years ago, Rs. 1 crore sounded like an enormous sum. It was the benchmark thrown around by insurance agents and financial columnists alike. But consider this: Rs. 1 crore today, invested conservatively at 7% per year, generates roughly Rs. 58,000 per month in interest. Before inflation. ...

You open your laptop on a Tuesday morning and there is a calendar invite from HR and your manager for 9am. You already know. Or you find out through Slack going read-only. Or a company-wide email. The delivery mechanism does not matter. The feeling is the same: a combination of shock, anger, and anxiety that hits you all at once. Here is what to do with that feeling and the practical reality that follows. ...

A well-funded startup with 50,000 users received a $47,000 AWS bill for a single month. The causes were preventable. Here is what happened and how to avoid it.

The advertised rate is never the rate you get. Here is how SBI, HDFC, and ICICI actually price home loans in 2026 and what your real EMI will look like.

The conversation about work-life balance in Indian tech is full of bad advice from both directions. Here is what the reality actually looks like.

Every time ChatGPT answers a question, it touches 7+ layers of hardware - from GPUs to cooling systems. Here’s the complete AI infrastructure stack and every company that profits from it.

Contributing to open source is career leverage most engineers ignore. Here is how to start, what to contribute, and how to turn it into real professional opportunities.

Lambda cold starts have been “solved” multiple times and are still causing P99 latency spikes in production. Here is what actually works in 2026 and what does not.

Python 3.13 shipped the biggest performance and concurrency improvements in the language’s history. Here is what actually changed and how to use it.

EPF withdrawal is full of conditions, timelines, and tax traps. Here is every rule simplified - when you can withdraw, how much, and what gets taxed.

Your CIBIL score drops 40 points overnight and you have no idea why. You pull your report and find a loan you never took, a late payment you definitely made on time, or a credit card marked “settled” when you paid it in full. This happens more often than banks will admit. Here is exactly how to fix it. First, Get Your Full Credit Report Do not just look at your score. Pull the full report from cibil.com. You are entitled to one free report per year. The report shows every account, every inquiry, every payment history, and every outstanding balance associated with your PAN. ...

You see “employer PF contribution: 12%” on your CTC breakdown and assume that money goes into your EPF account. Most of it does - but not all of it. A significant chunk goes somewhere else entirely, and understanding where changes how you think about your retirement savings. The 12% Split: EPF and EPS Your employer contributes 12% of your basic salary + dearness allowance toward PF. This 12% is not entirely credited to your EPF account. It is split: ...

In 2023, every AI investor was looking for the vector database play. Pinecone, Weaviate, Qdrant, Chroma, Milvus, LanceDB, Marqo, Vald, Vespa, and a dozen more all raised money on the premise that vector search was a standalone infrastructure category. Two years later, the consolidation is obvious and the survivors are defined. Why Vector Databases Had a Moment Retrieval-Augmented Generation (RAG) became the dominant pattern for building LLM applications in 2023. You embed your documents, store the embeddings in a vector database, and at query time retrieve the most semantically similar documents to give the LLM context. ...

The conversation about money is uncomfortable for almost everyone. Here is how to have it in a way that is direct, professional, and actually effective.

Sentry was founded in 2008 as a Django error logger. It has spent the last decade becoming something larger: an observability platform targeting teams that cannot afford Datadog’s complexity or its pricing. The positioning is deliberate and mostly successful. What Sentry Actually Does Now Most developers know Sentry as “the thing that catches errors.” The current product is wider: Error Monitoring: captures, groups, and alerts on exceptions Performance Monitoring: traces, transaction timing, database query analysis Session Replay: records user sessions around errors Profiling: continuous and transaction-based CPU profiling Crons: monitors scheduled job execution Alerts: threshold-based and anomaly detection Releases: tracks error rates per deployment The error monitoring is still excellent. The additions vary in quality, but the overall bundle is genuinely useful for a small team without a dedicated operations engineer. ...

You have 47 repositories on GitHub. Eleven of them have actual code. Four of them have a README.md that says “TODO: add description.” One of them is a project you are genuinely proud of. The one you are proud of? If someone visits it right now, will they understand what it does in 30 seconds? If not, that project is invisible. Not because it is bad - because nobody can see it. ...

Buying an under-construction flat and paying only “interest” during construction sounds like a reasonable deal. The builder uses the phrase “pre-EMI” to make it sound trivial. It is not trivial. Over a 3-4 year construction period, you could pay Rs. 8-15 lakh in pre-EMI that reduces your loan principal by exactly zero. Here is what is actually happening. What Pre-EMI Is When you buy an under-construction property, the bank disburses the loan in tranches as construction progresses (called construction-linked payment plan). After each tranche disbursement, you pay interest only on the amount disbursed - not the full EMI. ...