My grand daughters- Saumya and Sreesha have sung this devotional song dedicated to Bhagvan Shiva on the occassion of Mahashivratri. Please enjoy this song on YouTube channel- Saumyas corner.
जय हो जय हो शंकरा, भोलेनाथ शंकरा, आदि देव शंकरा, हे शिवाय शंकरा, तेरे जाप के बिना, भोलेनाथ शंकरा, चले ये साँस किस तरह, हे शिवाय शंकरा, मेरा कर्म तू ही जाने, क्या बुरा है क्या भला, तेरे रास्ते पे मैं तो, आँख मूँद के चला, तेरे नाम की जोत ने, सारा हर लिया तमस मेरा, नमो नमो जी शंकरा, भोलेनाथ शंकरा, जय त्रिलोकनाथ शम्भू, हे शिवाय शंकरा, नमो नमो जी शंकरा, भोलेनाथ शंकरा, रुद्रदेव हे महेश्वरा, जटा कटा हसंभ्रम भ्रमन्निलिम्प निर्झरी, विलो लवी चिवल्लरी विराजमान मूर्धनि, धगद् धगद् धगज्ज्वलल् ललाट पट्ट पावके, किशोर चन्द्र शेखरे रतिः प्रतिक्षणं मम।
कौन है वो कौन है वो, कहां से वो आया, चारों दिशाओं में, तेज सा वो छाया, उसकी भुजाएं बदले कथाएं, भागीरथी तेरी तरफ, शिवजी चले देख ज़रा, यह विचित्र माया,
नमो नमो जी शंकरा, भोलेनाथ शंकरा, जय त्रिलोकनाथ शम्भू, हे शिवाय शंकरा, नमो नमो जी शंकरा, भोलेनाथ शंकरा, रुद्रदेव हे महेश्वरा,
चन्द्रमा ललाट पे, भस्म है भुजाओं में, वस्त्र बाघ छाल का, है खड़ाऊ पाँव में, प्यास क्या, और तुझे, गंगा है तेरी जटाओं में, जटाओं में, जटाओं में, दूसरों के वास्ते, भोलेनाथ शंकरा, तू सदैव ही जिया, हे शिवाय शंकरा, माँगा कुछ कभी नहीं, भोलेनाथ शंकरा, तूने सिर्फ है दिया, हे शिवाय शंकरा,
समुद्र मंथन का, था समय जो आ पड़ा, द्वंद दोनों लोक में, विशामृत पे था छिड़ा, अमृत सभी में बाँट के, प्याला विष का तूने खुद पिया।
Income Tax Calculator FY 2025-26 helps salaried employees, pensioners, and professionals quickly estimate their income tax liability under both old and new tax regimes. The Goodworld Income Tax Calculator is simple, fast, and easy to use.
Goodworld Income Tax Calculator
Choose Financial Year:
PPF, ELSS, LIC premium, etc. (max: 1.5L)
*Note: Deductions for Senior Citizens are automatically calculated based on your interest income.
Disclaimer: These are estimated figures based on current laws. Users may check their income tax liability on the Income Tax Department's official website.
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Goodworld Tax Summary
How to Use the Goodworld Tax Calculator
A brief guide to help your users navigate the tool.
Using our calculator is quick and hassle-free. Follow these simple steps:
Select Financial Year & Age: Start by choosing the relevant Financial Year (FY 2025-26 or FY 2026-27) and select your age group. Age is crucial for Old Regime calculations where senior citizens get higher exemptions.
Enter Income Details: Go to the “Income” tab and enter your Gross Salary, interest from savings or FDs, and any rental income. Don’t forget to include “Other Income” for miscellaneous earnings.
Claim Deductions: Switch to the “Deductions” tab to enter your investments under Section 80C (PPF, LIC, etc.), 80D(health insurance), 80TTA/B(Interest on FD/SB),(Senior citizens need not enter the amount of interest received on FD/SB separately here, as it is automatically calculated at the end under exemptions) 80CCD(NPS), 80G(Donations).
Detailed descriptions are provided under each field to guide you.
Compare & Decide: View the real-time comparison between the Old and New Tax Regimes. We highlight the “Recommended” option that results in the lowest tax liability for you.
Get Detailed Summary: Click “Click to see details” on your preferred regime to see a full breakdown of the math, including Cess and Surcharge. You can then download this as a JPG image or share it directly via WhatsApp.
3. Who Can Use This Calculator & Scope
Who Is It For?
This calculator is specifically designed for Individuals (salaried or pensioners) and Resident Indians. It is perfect for:
Salaried employees.
Professionals with simple income sources.
Senior and Super Senior Citizens.
Who Is Not Covered?
This tool is not intended for:
Business Owners & Corporates: Those with complex business accounts, audits, or company-level tax liabilities.
Trusts, Firms, or LLPs.
What Incomes are NOT Covered?
Please note that this is a “Basic Income and Tax” tool. The following income types are not processed by this calculator:
Capital Gains: Any profit from the sale of property, shares, or mutual funds (Short-Term or Long-Term Capital Gains) is not included.
Business/Professional Profits: Complex business income requiring P&L statements.
Lottery or Gambling Winnings: These are subject to special flat tax rates.
Note to Users: Tax liability arising from heads not covered here (like Capital Gains) must be calculated separately as per the prevailing special tax rates. We recommend consulting a tax professional for complex filings.
Budget 2025: Major Changes & The Path Forward
The Union Budget 2025 brought a paradigm shift for individual taxpayers in India, reinforcing the government’s long-term vision of a simplified, exemption-free tax regime. The standout feature of this budget was the massive relief provided under the New Tax Regime, effectively raising the tax-free income threshold to ₹12 Lakh.
Key Changes in Budget 2025 vs. Earlier Years: The most significant change was the enhancement of the tax rebate under Section 87A. While previously the 100% rebate only applied to income up to ₹7 Lakh, it has now been expanded to ₹12 Lakh for those opting for the New Regime. Additionally, the Standard Deduction for salaried employees and pensioners was increased from ₹50,000 to ₹75,000 under the New Regime (while remaining at ₹50,000 for the Old Regime). The tax slabs were also rationalized, with the 30% peak rate now only kicking in for income exceeding ₹24 Lakh, compared to the earlier ₹15 Lakh threshold.
The Shift Toward the New Regime: The government’s strategy is clear: they are gradually making the New Tax Regime the “default” and more attractive choice by offering lower rates and higher rebates. By removing the need for complex documentation like rent receipts and investment proofs (80C/80D), the goal is to transition the majority of taxpayers to this streamlined system, eventually phasing out the Old Regime which relies heavily on deductions.
The Importance of Timely Filing: Filing your Income Tax Return (ITR) on time is no longer just about avoiding a ₹5,000 penalty. A timely ITR is a powerful financial document that serves as your income proof for home loans, credit cards, and visa applications. Over the years, the process has become incredibly simple. With pre-filled ITR forms that automatically pull data from your Bank and Form 26AS, what used to take days of manual calculation can now be completed in minutes. Our Goodworld Tax Calculator is designed to keep pace with this simplicity, giving you the clarity you need to file accurately and on time.
Example Income Tax Calculation for Income of ₹12,00,000 (FY 2025-26)
Let us calculate tax for an individual having taxable income of ₹12,00,000 under both regimes.
(Taxable income means income after standard deduction and other adjustments.)
Tax Calculation Under New Tax Regime
New Tax Regime Slabs (FY 2025-26)
Income Slab
Tax Rate
₹0 – ₹4,00,000
Nil
₹4,00,001 – ₹8,00,000
5%
₹8,00,001 – ₹12,00,000
10%
₹12,00,001 – ₹16,00,000
15%
₹16,00,001 – ₹20,00,000
20%
₹20,00,001 – ₹24,00,000
25%
Above ₹24,00,000
30%
Step-by-Step Tax Calculation
For taxable income ₹12,00,000:
• Income up to ₹4,00,000 → Nil tax • Next ₹4,00,000 @5% = ₹20,000 • Next ₹4,00,000 @10% = ₹40,000
Total tax before cess:
₹20,000 + ₹40,000 = ₹60,000
Health & Education Cess @4% = ₹2,400
Total Tax Before Rebate
₹62,400
Applying Section 87A Rebate
Under Budget 2025 provisions, taxpayers opting for the New Regime get rebate up to taxable income of ₹12 lakh.
Have you been struggling with constipation for months, maybe even years?
You have tried everything, fiber rich food, plenty of water, daily exercise. You avoided junk, added more fruits, even started taking laxatives and digestion medicines. But still your stomach feels stuck.
You don’t feel fully clean, fully light, fully free. You pass stool, but it’s hard, incomplete, or painful. And maybe no one sees it from the outside, but inside you feel blocked, heavy, sluggish, and tired.
If this has been your silent struggle, what we are about to discuss might be something no doctor ever explained. Modern medicine looks at your bowels, not your buried emotions.
But constipation is not just a digestive issue. It is an emotional blockage, a pattern, a message from your body screaming,
“Let go. Please just let go.”
Your gut is not just about food. It’s about feelings.
And your colon, your large intestine is the final place where you are supposed to release what you no longer need.
But if you are emotionally stuck, if you cannot let go of guilt, resentment, fear, control, then your colon mirrorsthat you hold waste because you are holding emotions. And just like trapped waste turns toxic, trapped emotions become poison too.
But don’t blame yourself. You didn’t do this deliberately. You were hurt, scared, controlled, shamed, and no one gave you space to express it. So you learned to hold it in.
But you can, with some proper practice, start to release, to breathe again, to feel clean again.
Not just physically but emotionally and spiritually.
Part One
It is about what you did wrong without knowing. There are five silent emotional mistakes that lead to chronic constipation.
One
You couldn’t let go. You held on to old pain. You remember insults. You replay what they did, what you said, what went wrong. You thought letting go means losing power. But actually, holding on drained you emotionally and physically.
Every grudge became a knot in your colon. Every- “I shouldn’t have said this!” became a stuck waste.
Your colon cannot release what your heart still clutches.
Two
you lived in fear- fear of making a mistake, fear of people’s judgment, fear of letting people down. So you held it all in- your opinions, your needs, your voice. And when the world outside didn’t feel safe, your body inside began to tighten, curl up, close off, and that tightness reached your gut.
Three
You felt ashamed of your own needs. Maybe you grew up in a home where talking about your body was dirty. Maybe you felt guilty for needing time, rest, pleasure, or attention. And so you learned to disconnect from your belly, your sensations. And that shame became silence. That silence became stuckness. And now your current hesitates every time you need to release.
Four
You tried to control everything. friends. You wanted life to go just right. You needed people to behave your way. You planned everything, organized, managed, and controlled. But when life didn’t obey, you resisted. And that resistance didn’t just stay in your mind. It tightened your intestines, too. Because control on the outside becomes constriction on the inside.
Five
You never felt safe to express anger. Someone hurt you maybe again and again, but instead of shouting, you smiled. Instead of speaking, you stayed silent and all that anger had nowhere to go. So, it went to your gut. Do you know why some people call the colon the emotional dust bin? Because it holds all the things we didn’t know what to do with.
Part two
Science behind emotions and the gut.
Did you know your gut has its own brain? It is called the enteric nervous system and it holds over 100 million neurons. Yes, 100 million. This is why scientists call your gut the second brain. It doesn’t just digest food, it digests emotions. When you are anxious, your gut knows. When you are angry, your intestines feel it. Because your emotional state directly controls your digestive flow.
Think of it this way. Joy is equal to relaxation, which is equal to smooth bowel movement. Tension is equivalent to contraction. which gives constipation. Now imagine living in constant fear, stress, resentment and guilt. It’s like clenching your colon 24 by 7. No wonder you are blocked.
Part three.
The frequency of emotions and the root chakra.
Let’s go even deeper. Constipation is energetically connected to the root chakra called mooladhara. This chakra governs survival, safety, trust and grounding. When it is balanced, you feel safe, secure, present. But when it is blocked, you feel anxious, unsafe, ungrounded. And your elimination system shuts down. Because elimination is all about trust. You must trust your body to release, trust life to support you. But fear lowers that trust. Guilt lowers your frequency. Shame collapses your energy. And your guts says, “I don’t feel safe. I will hold it in.”
Part four.
How to heal your constipation naturally and emotionally.
Here is your powerful five-step road map to permanently heal constipation from the root. First, emotional responsibility.
Place your hand on your belly and say, “I take responsibility for what I have been holding….. I now choose to release what no longer serves me” because healing begins with responsibility. Not blame, not shame, but ownership.
Number two- daily forgiveness ritual. Every evening, sit quietly and whisper, “I forgive those who hurt me. I forgive myself too.”And say it while massaging your lower belly in a clockwise circle. Feel the emotional knots melting because when forgiveness flows, so does your digestion.
Number three, root chakra activation. The root chakra’s color is red. It vibrates with grounding and safety. To awaken it, sit cross-legged. Place both hands on your lower abdomen. Breathe deeply. Now chant its beej mantra or seed mantra.Lum lum. Do this 100 times steady. Also visualize red light is spinning at the base of your spine clearing stuck energy.
Number four, affirmations for emotional release. Repeat these daily- “I trust life. I am grounded and safe. I easily let go of what I no longer need. My body knows how to release naturally.” Feel these words in your cells. Let them become your truth.
Number five, gut, body, brain harmony ritual. Each morning, right after waking up, drink warm water. Sit on the toilet. Even if you don’t feel the urge yet, close your eyes. Take five deep belly breaths. Repeat softly- “I release with ease. I let go. I flow with life.”
This conditions your nervous system to feel safe, calm, and supported during elimination.
Constipation is not your enemy. It is your body’s cry for emotional release. It’s telling you, “Let go.”
You don’t have to carry it all anymore. You don’t need more pills. You need permission- Permission to cry, to scream, to forgive, to be vulnerable.
The more you allow emotions to move, the more your bowels begin to move.
Share it with someone who has been struggling in silence.
And remember, healing doesn’t begin with what you eat. It begins with what you are finally ready to let go of. Your freedom begins now. Stay grounded. Stay flowing. You were born to live light.
This article is based on a you tube video I came across and liked.
Bank pensioners' Dearness Relief Calculator by goodworld
💰 Dearness Relief Calculator
Updated for February 2026 - Calculate Your Pension Benefits
Calculate your updated pension with the latest Dearness Relief rates effective from February 2026.
This calculator takes into account your retirement year, basic pension, and commutation portion.
महाराष्ट्रातील अलिकडच्या काळातील ब्रह्मलीन सत्पुरुष आणि सुप्रसिद्ध संत ब्रह्मीभूत श्री गोंदवलेकर महाराज हे महाराष्ट्राच्या कानाकोपऱ्यात सर्व नाम भक्तांना सुपरिचित आहेत. त्यांच्या रोजच्या छोट्या आणि सुटसुटीत प्रवचनांचे पुस्तकही सगळ्यांच्या परिचयाचे आहे. या पुस्तकात वर्षातील ३६५ दिवसांची प्रवचने- रोजचे एक प्रवचन या स्वरूपात दिले आहे. ही प्रवचनें बऱ्याच भक्तांनी आपल्या आवाजात प्रस्तुत केलेली, उपलब्ध आहेत. अशाच श्री विजय व्यवहारे यांच्या यू ट्यूब चॅनल वरील प्रवचनें रोज या ब्लॉग च्या वाचकांसाठी उपलब्ध करून देत आहोत. आशा आहे की परमार्थाची आवड असणाऱ्या भाविकांना ही प्रवचने. उपयुक्त ठरतील
Heal Your Heart: Address the Emotional Root of Disease
Heal Your Heart: Address The Emotional Root of Disease
In today’s modern world filled with stress, many people are struggling with many diseases which are mainly psychosomatic in nature. Heart disease, to a greater extent, is one of them. People do everything known to them to avoid or get out of the heart problems- change the diet, reduce oil and salt intake, start walking, doing yoga, even meditation.
Doctors prescribe tests, investigations, and give you medicines. You start taking the medicines- probably for life- and suffer from their side effects. And that inner fear remains.. someone close to you, healthy, looking, active, full of life, suddenly collapsed one day and you asked, “Why? What went wrong?”
It is necessary to understand that the heart issue is not just in the body, it’s much deeper. It’s root causes are emotional, energetic and spiritual. It is rooted in your unresolved pain, unexpressed emotions, hidden fears and suppressed grief. It is also rooted in your greed, envy and frustration.
And yes, you created this, through years of emotional pain you never got to release. You had the choice to let go, to forgive, to choose peace over ego and control. But you held on. You buried anger, you silenced your grief, you smiled outside but broke inside and your heart felt it all. Every suppressed emotion became a weight on your heart.
In this article we will discuss the emotional and psychological side of the issue. We are not going to talk about cholesterol, arteries, or ECGs. We are going to discuss that aspect of the heart which no scan can detect. Emotional wounds that weaken your heart, block free flow of fluids, and take away your joy. Heart diseases are not just physical conditions. They are manifestations of an inner emotional imbalance. This is an emotional healing method meant to support your well-being. But heart issues are serious. So please keep taking your regular medical treatment. Never stop any medicine without talking to your doctor.
Suppose you are given a stone weighing just about 2 kilograms and told to hold it straight with one hand- out in front of you. For the first minute, it feels easy. It’s just a small weight- manageable. Hold it for 5 minutes and your arm starts to ache. Keep holding it for an hour and now you start feeling pain in the arm. Your muscles burn, your hand trembles, and if you are forced to hold it for an entire day, then it becomes unbearable torture. Not because the stone got heavier, but because you never put it down.
Now, think of that weight as a negative emotion.
Anger, guilt, fear, resentment. A little bit of it for a little while.
We all carry that. It’s human, but hold it for days, months or years and it begins to hurt you. Not just emotionally but physically! Your nervous system gets overloaded, overworked. Your body tightens, your heart suffers. You lose your sleep and your peace disappears. The weight doesn’t change, but your choice to hold it on or let go does. Sometimes healing is not about fixing the emotion, it’s simply about knowing when to put the weight down.
You must have known someone, maybe a colleague, relative, or even a fitness coach who looked completely healthy. They ate healthy food, went to gym daily, took morning walks, followed every healthy habit in the book. And yet one day they had a heart attack. Everyone around was shocked. How is that possible, they asked. He looked so fit, always smiling, always disciplined. And then people said, “Maybe it’s just bad luck! Maybe nothing really helps”.
What no one saw was the emotional storm growing inside him. What no one asked was what pain was he carrying? What sorrow was he silently swallowing? What anger, fear, loneliness, or burden was locked deep in his heart, never expressed, never healed. Because you can have a strong body, but a bruised spirit. You can build muscles but suppress tears. You can run on a treadmill while running away from your own emotions. That man didn’t die of just a blocked artery. He died of a blocked heart, an emotionally congested heart that was never allowed to feel, to forgive, to let go. And that is why today’s article matters more than anything else. Because we are not just healing your physical heart, we are unlocking the emotions buried within it.
Here is a simple process to heal the heart-
Part-1 What you did wrong without realizing
Let’s begin with the hard truth. Your heart problems didn’t begin in your arteries. They began in your emotions. Now it’s time to gently take responsibility for the five silent mistakes you have been repeating for years without even realizing how deeply they were hurting your heart.
You carried emotional burdens that were not yours. You took responsibility for others’ happiness. You became the fixer, the giver, the one who held it all together. But silently your all needs were crushed. That unspoken pressure on your chest, it became your normal. Until one day your heart couldn’t hold it anymore.
You suppressed deep pain. Maybe you lost someone, may be you were betrayed, may be you never felt truly loved. But instead of grieving, crying or releasing, you stayed strong, you smiled and you moved on. But inside, your heart quietly cracked, and and it’s that unprocessed grief that is still sitting in your Heart Chakra blocking the flow.
You closed your heart. After being hurt, you built walls. You stopped trusting, You became defensive, worried, afraid of intimacy. That emotional closing of the heart also restricts the energy flow in your physical heart.
You chased achievement over fulfillment. You worked hard, you stayed busy, you achieved things. But were you truly joyful? Or did you always feel like something was missing? When the soul is neglected, the heart starts to protest.
You forgot to love yourself. You were kind to everyone but not to yourself. You didn’t rest, you didn’t forgive yourself. You just hated and regretted your body, your past, your choices, and eventually, people around you. That self hate becomes poison and is emanated outside to everyone who comes in contact with you.
Part-2 The science behind emotions and heart health
Now we will see Part 2, the science behind emotions and heart health.
Your heart is not just pumping blood, it’s thinking, feeling, remembering. It holds 40,000 neurons. A little brain of its own, pulsing with intelligence. Your heart sends more messages to your brain than your brain sends to your heart. Every emotion you feel- love, fear, joy, anger literally changes your heartbeat, your blood pressure, your rhythm. Your heart listens, it remembers, it responds.
So the real question is, what are you feeding it emotionally. When you are angry, your heartbeat turns wild and erratic. When fear takes over, your blood vessels tighten like a fist. In loneliness, cortisol, the stress hormone, surges through your body. And with every lingering grudge, resentment fuels silent inflammation.
Now imagine living in those emotions day after day, year after year. No wonder your heart feels heavy. No wonder it struggles. But the moment you shift just a little, everything begins to change. Feel love and your heartbeat finds its natural rhythm- smooth and correct. Feel gratitude- and your blood pressure begins to settle like calm sea. Let go through forgiveness, and stress hormones drop. Friends, healing doesn’t always begin with pills. Sometimes it begins with the courage to feel and release.
Part-3 Frequency of emotions and the heart chakra
Every emotion you feel has frequency. A vibration, a pulse. And your heart is not just an organ, it is the epicenter of that emotional energy. It feels everything, every joy, every ache, every unspoken grief. Now let’s go deeper into these frequency of emotions.
The feeling or emotion of Shame vibrates at just 20 Hertz, guiltat 30, griefat 75 hertz, fearclimbs to 100 hertz, and anger peaks at 150 hertz. But love– explodes at 500 Hertz, gratitude hums even higher at 540 and pure joy that soars beyond 600 Hertz.
Now, be honest with yourself. Have you been living in the lower zones, dwelling in grief, guilt, fear or quiet resentment for years? Because that is what closes the heart. That low dense frequency constricts your chest, blocks your energy, and slowly invites diseases in silence. But something beautiful happens when you shift, when you begin to forgive not just others but yourself. When you choose joy even in the small moments, when you practice self love not as an idea but as a way of being, your frequency rises. Your heart begins to open, blood flows freely, energy moves, and that is when real healing begins-not through force, but through flow.
Part-4 how to heal from the heart
Now we will discuss Part 4, how to heal from the heart. Not just the symptoms. Here is a powerful healing road map. Not just to prevent the heart attack, but to reset your emotional heart.
Radical self responsibility.
Repeat this in your mind again and again-. I take responsibility for the emotions I have carried. I allow myself to feel released and heal. I forgive myself and open my heart again..
Emotional grief releaseEvery night, place your hand over your heart, close your eyes and whisper- Say it’s OK. I am safe now. I allow myself to feel the grief I have buried. Let the tears come, they are healing you. They are releasing the blocked emotional energy.
Heal the heart chakra.
And now the Third Point, heal the heart chakra- which is also known as Anahata chakra.
The heart chakra is green in color, it governs love, compassion and connection. When it is blocked, you feel lonely, defensive and weak, but when it is healed, you radiate warmth, peace and flow. To open and heal your heart chakra- Place both of your hands over your chest. Breath deeply. Now chant the seed mantra for heart chakra. It is. . Yam. Yam.
Feel the deep healing vibrations in your chest. Repeat the mantra- Yam- 108 times daily. And for best results, you can also visualize green light filling your chest. Now repeat these affirmations with yourself- I am love. I give and receive love freely. I deserve to feel safe in love.
Feel that warmth. That’s your heart, remembering who you truly are.
Let go of emotional armor.
You don’t need to be strong all the time. You are human, you are allowed to feel. Say this to yourself-. It is safe for me to be vulnerable. I release the armor around my heart. I trust love again. This opens the blood vessels, calms the nervous system and brings harmony to your heart rhythm.
Practice heart coherence.
Do this simple technique every day. Also follow this- Sit calmly, and breathe three times into your heart slowly for five seconds of inhale and five seconds of exhale. Now bring up a memory that fills you with love or gratitude. Feel it in your heart!
These practices can reset your heart rhythm and heal years of emotional stress.
Heart disease is not just a physical condition. It is an emotional call for love. A desperate call from your soul asking, “Can I feel again?, Can I trust again?, Can I be loved again?” And the answer is, “Yes!”. So don’t fight your symptoms. Don’t numb your feelings. Instead breathe into them. Speak kindly to your own heart.
Your healing starts Now. With one thought, one breath, one softening of the chest. The heart doesn’t heal with pills, it heals with truth, love and permission to feel.
