Blog
Practical articles on personal finance, investing, and trading — backed by real numbers.
SWP Explained — How Systematic Withdrawal Plan Works in Mutual Funds
A ₹1 crore corpus at 8% return can sustain ₹30,000/month for 33+ years via SWP — with lower tax than dividends. Full guide to safe withdrawal rates.
Read ArticleGoal-Based Investing — How to Plan and Fund Every Financial Goal
Child's education in 15 years costs ₹55L (not ₹20L) after inflation. Learn how to calculate inflation-adjusted targets and the SIP needed for each goal.
Read ArticlePortfolio Allocation by Age — How to Invest at Every Life Stage
80% equity at 25. 55% at 45. 25% at 60. The 100-minus-age rule explained with India-specific instruments for each decade of your investment life.
Read ArticleNPS vs PPF vs Mutual Funds — Which Is Best for Retirement?
NPS gives ~10% returns + ₹50K extra deduction. PPF gives 7.1% tax-free. Equity MF gives 12–15%. Full comparison of returns, tax, lock-in, and liquidity.
Read ArticleHow to Claim HRA Exemption in India (2024-25 Guide)
HRA exemption = minimum of 3 conditions. Available only in Old Regime. Step-by-step guide with documents needed, landlord PAN rules, and Form 12BB.
Read ArticleIncome Tax New vs Old Regime — Which Is Better for You? (FY 2024-25)
At ₹12L income with ₹2.5L deductions, Old Regime saves ₹10,192 more. At ₹20L, New Regime often wins. Full slab comparison with break-even analysis.
Read ArticleWhat Is Gratuity and How Is It Calculated?
Gratuity = (Last Salary × 15 × Years) / 26. Tax-free up to ₹20 lakh. Learn eligibility rules, the 6-month rounding trick, and how to claim it.
Read ArticleHow Much Home Loan Can I Get on My Salary?
Your home loan eligibility depends on FOIR, LTV, income, and existing EMIs. A ₹1L/month salary typically qualifies for ₹55–65L. Full calculation explained.
Read ArticleSIP vs Fixed Deposit — Which Is Better for Building Wealth?
₹5,000/month: SIP gives ₹11.6L in 10 years. FD gives ₹8.5L. After tax the gap widens to ₹3.5L. Full comparison on returns, tax, and inflation.
Read ArticleSIP vs PPF — Where Should You Invest for Tax Saving?
₹1.5L/year in ELSS SIP grows to ₹63L in 15 years. PPF grows to ₹40.7L. Same 80C deduction, ₹22L difference. Full comparison of lock-in, tax, and risk.
Read ArticleHome Loan vs Rent — What Actually Makes Financial Sense in India?
A ₹60L flat costs ₹56L in interest alone. The disciplined renter who invests the EMI difference builds ₹3.68 crore. The honest analysis with real numbers.
Read ArticleLumpsum vs SIP — Which Builds More Wealth Over 10–20 Years?
30 years of Nifty 50 data: lumpsum wins 65–70% of rolling periods. But for most Indians earning monthly, the real answer is different. Full long-term analysis.
Read ArticleHow to Calculate SIP Returns — With Examples
Learn the SIP return formula with step-by-step examples. See how ₹5,000 and ₹10,000 monthly SIPs grow over 5, 10, 15, and 20 years.
Read ArticleEMI on ₹50 Lakh Home Loan — 2026 Guide
Calculate your EMI on a ₹50 lakh home loan at different interest rates and tenures. Compare total interest across 15, 20, 25, and 30-year options.
Read ArticleWhat Will ₹1 Crore Be Worth in 20 Years?
At 6% inflation, ₹1 crore today will have the purchasing power of just ₹31 lakh in 20 years. See the math and what you can do about it.
Read ArticleHow Much Money Do I Need to Retire at 45 in India?
Want to retire at 45? You'll need ₹5–8 crore depending on your lifestyle. Here's the exact calculation with expenses of ₹75K to ₹1.5L/month.
Read ArticleCAGR vs Absolute Returns — Why Your Mutual Fund Returns Are Misleading
Your fund shows 80% returns but CAGR is only 12%? Learn the difference and why CAGR is the only fair way to compare investments.
Read ArticleLumpsum vs SIP — Which Is Better in a Bull Market?
Should you invest lumpsum or SIP in a rising market? Data shows lumpsum beats SIP 65% of the time, but SIP wins on risk management.
Read ArticleRisk-Reward Ratio Explained — A Beginner's Guide for Indian Traders
Learn what risk-reward ratio means, how to calculate it, and why a 1:2 ratio is the minimum for profitable trading.
Read ArticleStep-Up SIP — How Increasing SIP by 10% Yearly Doubles Your Corpus
A step-up SIP of ₹10,000 with 10% annual increase builds ₹1.7 crore in 20 years vs ₹1 crore with regular SIP.
Read ArticleHow to Check If Your Mutual Fund Is Actually Beating Inflation
Your fund shows 10% returns but inflation is 6% — your real return is only 3.77%. Learn how to calculate inflation-adjusted returns.
Read ArticleHome Loan Prepayment — Save ₹15 Lakh by Paying ₹5,000 Extra Monthly
Paying just ₹5,000 extra monthly on a ₹50 lakh home loan can save you ₹15+ lakh in interest and cut tenure by 5+ years.
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