The Reserve Bank of India (RBI) kept the repo rate unchanged at 5.25% in its first monetary policy announcement of 2026, in line with broad market expectations.The Monetary Policy Committee…
From crowded hill towns to shrinking coastal villages, mass tourism is straining local economies. The real cost of your vacation may be paid by the very people who call these…
Recently, SEBI vide a press release (link) has cautioned the Indian public regarding dealing in so-called ‘Digital Gold’. India offers regulated gold investment options like Gold ETFs from mutual funds,…
Are multi asset funds safe? Learn the hidden risks in equity, debt maturity, taxation bias, and why blindly investing in them can be dangerous. Over the last few years, multi…
IntroductionA quick glance at this portfolio (see here) tells me one thing immediately – it is driven more by enthusiasm than clear thought. Maintaining a structure was not a priority…
Indian markets are maturing—and so are investors. As India’s economy evolves and financial markets become more accessible, investors are actively searching for the trending and best investment options to balance…
Gold purchase schemes offer a structured and affordable way for individuals to accumulate gold through regular, manageable monthly payments with jewellers or banks. These plans enable customers to gradually save…
Virat Kohli and Sunil Chhetri once said in an interview that they wouldn’t mind eating the same food every day—bland, boiled, no masala, nothing exciting—as long as it’s healthy and…
One Purpose. A Better Life. “This is a masterpiece.” —Morgan Housel, Author, Psychology of Money “Discover the extraordinary within.” —Manish Chokhani, Director, Enam Holdings The Internet is brimming with resources…
With the SIP campaign a grand success, the mutual fund industry has started promoting SWPs. The sales pitch is this: Invest a lump sum in a hybrid fund like balanced…
As investors look ahead to 2026, one question continues to surface: how does one balance the need for long-term growth with the desire for stability? Equity markets offer growth potential…
Amagi Media Labs Ltd. is entering the capital markets with its mainboard IPO to raise ₹1,788.62 crore, through a combination of fresh issue and offer for sale. The Amagi Media…
Price Action Overview: The Nifty Infrastructure Index extended its bullish momentum into October 2025, closing the final week of the month at 9,566.15, continuing its steady uptrend. Notably, all four…
The All India Jewellers & Goldsmith Federation has written an urgent letter to the Union Finance Minister flagging an unusual and potentially market-distorting situation in silver futures on MCX, where…
Silver prices in India have surged to record and almost unimaginable levels. Defying repeated predictions of a price correction, silver crossed the Rs 2 lakh mark after delivering nearly 180%…
Are you and your family crisis-ready? Build your financial first aid kit with emergency funds, insurance and debt management tips. Stay prepared and stress-free. Let’s face it: when life throws…
Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme: सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”) As a step towards this initiative, you are…
Most people aren’t poor because they lack money. They stay stuck because of habits and mindset. This article explains the poverty myth in simple terms. Most people believe that financial…
Manish Choudhary (Mani) is a mechanical engineer-turned-financial blogger who founded GetMoneyRich.com to help individuals on their journey to financial independence. With over 16+ years as a Project Manager, he brings…
Changes, changes & more changes… yes, that’s how the taxation works. They call it improvisation; we call it another burden added to the shoulder. But we cannot ignore it. NRI…
Everyone used to call her Bhabhi ji. She was the go-to person when someone needed advice, emotional support, or just a patient listener. Over the years, she had quietly stood…
One Purpose. A Better Life. “This is a masterpiece.” —Morgan Housel, Author, Psychology of Money “Discover the extraordinary within.” —Manish Chokhani, Director, Enam Holdings The Internet is brimming with resources…
In this edition of the reader story, Sanjoy shares how he found his way in money management.Sanjoy’s earlier contributions:About this series: I am grateful to readers for sharing intimate details about…
When you invest in mutual funds or any market-linked product, the first question you usually ask is simple: “How much return will I get?” However, the answer is rarely straightforward.…
On the final trading day of 2025, the Indian equity markets began on a triumphant note as the benchmark Nifty 50 reclaimed the psychologically significant 26,000 level. This early morning…
Gold and silver, long regarded as symbols of security and tradition in Indian households, are increasingly treated as taxable financial assets amid rising prices and tighter reporting norms. Their taxation…
Apollo Micro Systems Limited announced a significant development in its business operations on January 2, 2026. The firm announced that it was the lowest bidder for a new contract with…
What if your “financial habits” were less about numbers and more about psychology? This article uncovers the overlooked mental health issues tied to money that can shape your identity, relationships,…
In investing, there are very few things that carry the same allure as picking direct stocks. The potential for outsized market-beating returns, the satisfaction of picking winners, is no doubt…
Do you know the surprising psychology behind why even smart investors make costly mistakes. Learn the hidden biases that quietly impact investment decisions. Why do some of the smartest investors…
IntroductionThe holidays should be peak season for India’s largest carrier, IndiGo. Instead, December 2025 has brought unprecedented chaos.It is now throwing thousands of passengers into disarray and raising serious questions…
Are you looking for instant personal loans? If yes, your search ends here, since we compiled a list of Best Personal Loan Apps in India. So, here we’ll be specifically…
Today’s article is on the “NRI Income Tax Filing Checklist“—a topic of growing importance as global mobility continues to rise. For Non-Resident Indians, navigating India’s tax regulations can be both…
Everyone wants good returns from mutual funds. Some people want their fund to outperform their colleague’s fund, and others want it to beat the market benchmark, such as the Nifty…
Diwali Gifts of Wisdom: Save on My Books + Mastermind (Until 31st October 2025) Every Diwali, we clean corners we don’t usually look at. It’s a nice metaphor for our…
There are many ways to make money with Canva! In case you are not familiar with this platform, Canva is an incredible online graphic design tool that is widely used…
A reader says, “I am a regular follower/reader of freefincal and started my financial planning journey in 2020 after reading your book “You Can Be Rich Too with Goal-based Investing.”“I…
ESG investing has emerged as one of the most significant shifts in global financial markets. It represents an approach where investment decisions consider not only financial performance but also a…
When you are planning to borrow money for travel, home repairs, education, or any big milestone, understanding your monthly payments becomes essential. This is where an EMI calculator personal loan…
The stock market had a rough day on Tuesday, but it was not all bad news. While the big market indexes went down, smart investors found great opportunities in other…
Muni Reddy Santosh Reddy Vs ITO (ITAT Bangalore) ITAT Bangalore Refuses to Condone Inordinate Delay; Appeals Dismissed for Non-Prosecution Despite Multiple Opportunities The Bangalore ‘B’ Bench of the ITAT, in…
The Indian stock market is ending the year 2025 on a broadly positive note; however, the performance has been extremely volatile.According to smallcase managers, India's long-term outlook remains firmly positive,…
Our elders saved with discipline, but today, many of us live paycheque to paycheque. Small, everyday savings—like enjoying chai in sips or samosas in bites—feel light yet grow into something…
India’s market regulator, the Securities and Exchange Board of India (SEBI), has introduced two major investor-protection measures to combat payment fraud and unauthorised intermediaries in the securities market. These initiatives,…
Multi Asset Allocation Funds seem passive but act like active funds due to flexible equity-debt ranges. Learn why they may not suit you. Over the past few years, Indian investors…
IntroductionLet me be honest with you. When Axis Bank launched the Horizon card, I thought they were finally addressing a gap in the travel credit card market.A straightforward travel card…
In the last couple of years, the way we interact with financial platforms in India has been changing rapidly. From mobile-based investing to AI-driven trading, innovation is moving fast. One…
Unfortunate death in family is really a vacuum the family deals with. But with death, the family members have responsibility to follow norms of the land and comply with tax…
Aap log hamesha bolte ho compounding-compounding… par Mutual Funds mein toh koi fixed interest nahi milti, toh kaise hoti hai compounding? A client once asked me this during a review…
Diwali Gifts of Wisdom: Save on My Books + Mastermind (Until 31st October 2025) Every Diwali, we clean corners we don’t usually look at. It’s a nice metaphor for our…
No, you didn’t read the title wrong. You can actually get paid to do nothing. When I say nothing, well, it’s almost nothing, or the things you do every day…
This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month.…
People often assume a wealth manager only serves affluent clients. That notion may have been true earlier, but things have changed. Today, a wealth manager is relevant to almost anyone…
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Before we get into it, In August 2025, the Nifty 50 and Bank Nifty continued their downward trend from July, declining by 1.38% (341 points) and 4.12% (2,306 points) respectively,…
Sonu Goma Bhangale Vs ITO (ITAT Pune) Assessee, an individual, did not file return for AY 2010-11. Based on cash deposits of Rs.42,64,155/- in Godavari Laxmi Co-op Bank, notice u/s…
The government plans to introduce two bills in the Lok Sabha on Monday. These bills aim to impose excise duty on tobacco products and a new cess on pan masala…
First time filing your Income Tax Return? Don’t worry! From knowing if you actually need to file, to picking the right form, and meeting the deadline, here’s a simple checklist…
Equity offers high long-term returns but can be volatile in the short term. Debt is stable but lacks inflation-beating gains. If we leave out the ultra-aggressives and the ultra-conservatives, then…
EPF and EPS withdrawal rules after job loss explained with examples. Learn EPF liquidity, EPS 36-month rules, 8.33% employer cap, and pension continuity. When the new EPF and EPS withdrawal…
IntroductionSuppose, you’re looking at a company’s stock, thinking it looks promising. But underneath, is it solid or just a house of cards? How to answer this question?That’s where the Altman…
Ayaan and Stuti, married for four years now, were living a good life. Both were working professionals, managing their expenses well, paying EMIs on time, and saving and investing regularly.…
Two Books. One Purpose. A Better Life. 🎁 Now Available At Special Prices! “This is a masterpiece.” —Morgan Housel, Author, Psychology of Money “Discover the extraordinary within.” —Manish Chokhani, Director,…
A subscriber to our YouTube channel asks, “Assuming we retire at the age of 60 and live up to 85 years. I have been investing in the NIFTY 50 Index…
In the past, investing in gold meant buying it physically, which came with concerns about purity, storage, and making charges. Nowadays, with the rise of digital platforms, these challenges have…
© Paytm Money Limited. CIN - U72200DL2017PLC323936. All Rights Reserved. Registered Office - 136, 1st Floor, Devika Tower, Nehru Place, Delhi - 110019. Tel No.: 0784230577 Operations Head Office -…
Gold has witnessed a sharp rally over the last 6 years (2019-2025), gaining ~20% annually and nearly tripling! But here’s the catch! Despite Gold’s recent stellar performance, history reminds us…
Introduction Prisons are often viewed as places of punishment, isolation, and correction. However, the true purpose of imprisonment goes beyond mere confinement — it aims to transform offenders into responsible…
After a volatile week marked by alternating gains and profit booking, Indian equities are poised for a cautiously optimistic start on Monday, November 3, 2025, as investors track global developments,…
Beaches have forever been one of the best stress busters. Nothing calms the nerves more than the warm sand beneath your feet, the sound of waves crashing in the background…
I was recently quoted in Economic Times WEALTH (7-13 July 2025) in the Q&A section, where a panel of experts answers readers’ questions related to various aspects of their personal…
![Read more about the article What Is the 25% Shorting Strategy in SIFs and How Does It Work in India? [Explained] –](https://coinfinity.in/wp-content/uploads/2025/10/25-Percent-Shorting-Strategy-in-Specialized-Investment-Funds-SIFs-Explained-Thumbanil.png)
Query: I’m new to “shorting” thing in mutual funds like SIFs. Frankly, it’s a bit confusing. What exactly is shorting, and how does it work in these funds? Why do…
Managing money is no longer just about saving in a fixed deposit or buying a life insurance policy from your neighbourhood agent. India’s financial landscape is evolving faster than ever,…
.We recently faced a black day in Indian Aviation history- the crash at Ahmedabad. A tragic event. However, it forced me to consider the longevity of our plans. We have…
One of my blog readers recently shared a thoughtful query, which deserved a detailed response, as it reflects the situation of many Non-Resident Indians (NRIs) today. Here’s what he wrote:…
🔔 A Note on My Books and Courses Hardcover Books: The Sketchbook of Wisdom & Boundless Mastermind Value Investing membership: Learn, connect, and grow with a private community of serious…
Last Updated on October 5, 2025 at 2:43 pmIn October 2022, we explained why we badly need an aggressive hybrid index fund! The situation remains the same ten months after…
When Harry Markowitz introduced Modern Portfolio Theory (MPT) in 1952, it revolutionized the way investors thought about risk and return. For the first time, investing was explained not as random…
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A picnic is always a timeless experience. Whether it’s a weekend trip or a quick getaway with family to a local spot, it’s always fun to escape the grind. Here’s…
There is significantly less portfolio overlap among active Smallcap Funds than among Largecap funds. One of the reasons for this might be that, given the very nature of the small-cap…
Wondering how to prove a Will in India? Supreme Court clarifies that even a registered Will needs witness testimony under Section 68 Evidence Act. Supreme Court (Sept 2025) in Sanjay…
IntroductionI ordered from Swiggy the other day. It was just a simple meal, but the bill came to 550 rupees. Delivery fees, taxes, and all that added, building 550. Many of us…
Guess who’s back? 🎉 After an eventful journey, a short pause, and countless ideas scribbled in notebooks (and, let’s be honest, a few coffee-stained napkins), Fintrakk.com is making its comeback…
Many Non-Resident Indians (NRIs) often find themselves confused about their tax obligations in India, particularly when it comes to capital gains arising from investments in mutual funds or through Portfolio…
When we talk about financial planning, we often begin and end with money—how to earn it, save it, grow it, and protect it. We explain the “Time Value of Money,”…
🔔 A Note on My Books and Courses Hardcover Books: The Sketchbook of Wisdom & Boundless Mastermind Value Investing membership: Learn, connect, and grow with a private community of serious…
Last Updated on September 16, 2025 at 4:38 pmThis ETF screener is based on tracking errors and differences (ETF return minus index return). It will help users evaluate how efficiently…
Why the Silent Wealth-Killer Deserves Your AttentionImagine this: You’ve worked for 30+ years, saved diligently, and built a ₹1 crore retirement corpus. You finally retire — ready to travel, relax,…
© Paytm Money Limited. CIN - U72200DL2017PLC323936. All Rights Reserved. Registered Office - 136, 1st Floor, Devika Tower, Nehru Place, Delhi - 110019. Tel No.: 0784230577 Operations Head Office -…
Tru Sound Pvt Ltd Vs State of Uttar Pradesh And 2 Others (Allahabad High Court) In the case of Tru Sound Pvt Ltd Vs State of Uttar Pradesh & Others, the Allahabad…
From “Money doesn’t grow on trees” to “Don’t eat out every day”, dad’s one liners were less nagging and more finance masterclasses in disguise. Here’s a nostalgic tribute that decodes…
Most people view “retirement” as a sharp break – working full-time one day, then suddenly doing nothing the next. This outdated mindset is flawed and often leads to problems later…
GST on gold and silver after GST 2.0 (Sept 2025): rates unchanged at 3% on metal or on total value (including making charges). Rules, examples, tips for buyers & investors.…
IntroductionI’ve been tracking stocks for a while now. We all know how mutual funds and foreign investors shape our markets. Today, let’s look at what draws these big players to certain companies. We’ll…
The Dream of Financial Freedom Imagine waking up without an alarm clock, sipping your morning coffee while the world rushes to work, and spending your day doing what truly excites…
Income tax filing time has started, and again, as an NRI, you worry about whether you are on the right path to file or ignore the ITR filing. Income Tax…
Things No One Tells You About Financial Literacy These days, I keep hearing the term financial literacy thrown around—usually linked to SIPs, mutual funds, insurance plans, or the latest trending…
🎁 Special Anniversary Discounts (Until 31st July 2025) 🎁 Hardcover Books: The Sketchbook of Wisdom & Boundless: Now available at discounted prices: 🎁 Mastermind Value Investing membership: ₹3000 off for…
I encountered an interesting YouTube comment: “3% withdrawal is safe to retire at what age? The withdrawal rate is clear, but I am not sure if it has age attached…
The 56th GST Council meeting has brought one of the biggest tax reforms since the Goods and Services Tax (GST) was introduced in 2017. Finance Minister Nirmala Sitharaman announced a…
The Chartered Accountants Association of Jalandhar has submitted a representation to the Honorable Finance Minister, requesting extensions for several key tax compliance deadlines. The request is based on two primary…
A recent rewards loophole turned free Credit Card points into unexpected debt – here’s how it happened, and how to avoid getting caught in a similar trap. Credit Card rewards…
Let’s compare the Overlaps between major indices of Nifty50, Next50, Nifty100 and Nifty500. How to read this table? There is an 81% overlap in the portfolios of Nifty50 and Nifty100.…
Worried about rising education costs? Learn how to save, invest, and create the best child education plan in India with smart financial planning. The Fear vs. The Reality In my…
IntroductionLet’s take a closer look at a stock called Ador Welding (AWL). It is a known name in the welding industry. One of the main competitor of AWL is Esab…
Have you ever invested in Mutual Funds? If not, then you must know that it is considered an excellent investment option. Especially for those who want to spread out the…
India is a land of opportunities for Non-Resident Indians (NRIs) looking to invest and grow their wealth. With its dynamic economy and evolving financial landscape, India offers a range of…
Let me share a moment that’s stayed with me for years. A few years ago, I sat across the table from a young woman, nervous, tearful, and holding a folder…
A few quick updates from Safal Niveshak HQ: Special Anniversary Discounts:🎁 The Sketchbook of Wisdom & Boundless: Now available at discounted prices for a limited time (till 30th July): 🎁…
Including one or more passive income sources in our retirement plan is crucial. It enhances our income, minimizes the risk of investments in the capital market, and helps us stay…
Many investors dream of catching the market at just the right moment — buying when prices are low, selling when they’re high, and repeating the process like clockwork. In theory,…
Dhanuka Agritech Ltd – Transforming India Through Agriculture Incorporated in 1985 and headquartered in Gurugram, Dhanuka Agritech Ltd. is one of India’s leading agri-input companies. The company has solutions for…
Vimal Sureshbhai Mishra Vs Central Processing Unit (ITAT Ahmedabad) Brief Facts The assessee filed an updated return of income under section 139(8A) on 03.04.2023, declaring total income of ₹20,47,420. On…
BankBazaar has partnered with Muthoot FinCorp, one of India’s leading NBFCs, and the flagship Company of 138–year-old Muthoot Pappachan Group to enter the secured loans market with a Gold Loan…
I was recently quoted in Economic Times WEALTH (30 June – 6 July 2025) in the Q&A section, where a panel of experts answers readers’ questions related to various aspects…
With SEBI-registered bond platforms & RBI Retail Direct, many wonder: Debt Mutual Funds vs Direct Bonds? Learn which is better, risks, costs & taxation. Debt Mutual Funds vs Direct Bonds:…
One financial planning tool that helps individuals, businesses and even the government is- Budgeting. With proper budgeting resource allocation can be done in a very effective and efficient way. On…
It is very natural to build a corpus by investing in the name of child or children. We feel proud doing this. We also feel duty-bound for the future benefit…
The investment world is noisy—market updates, expert opinions, social media debates, and endless comparisons between different strategies. For many investors, this constant influx of information does more harm than good.…
A few quick updates from Safal Niveshak HQ: Special Anniversary Discounts:🎁 The Sketchbook of Wisdom & Boundless: Now available at discounted prices for a limited time: 🎁 Mastermind Value Investing…
There is a misconception, even among experts, that a low tracking error for a passive fund (index fund or ETF) implies the fund’s returns closely match the benchmark. This is…
When it comes to investing, timing the market is tricky—but finding value isn’t. That’s where value funds come in. Rooted in the classic principle of buying low and selling high,…
FundsIndia’s Wealth Conversations is a visual curation of super interesting investment insights with a focus on Equity, Debt, Gold, Real Estate, Asset Allocation and Diversification. This can help you set…
Does the pursuit of happiness feel as elusive as a cat chasing a laser pointer? Discover how your feline friend can be your secret weapon for both mental and financial…
As India matures as an economy, every few years, we are bound to witness various financial innovations. The latest one, introduced by SEBI, is the Specialised Investment Fund (or SIF).…
Confused about RLLR, RBLR or MCLR? Here’s how these home loan rates work, how they reset, and which is best for you under new RBI rules in 2025. RLLR, RBLR…
Compare Monthly Income Schemes in India Monthly Income Scheme Comparator Investment Amount (₹) ₹1,00,000 Preferred Risk Level AllZero RiskLow RiskModerate Risk Need Tax Benefits? AllYesNo Calculate Monthly IncomeDisclaimer: This tool…
With the rise of AI, we have become virtually dependent on almost everything. What we fail to analyze are the risks associated with it. Such reliance on artificial intelligence has…
Investing in NPS (National Pension System) offers the dual benefit of securing retirement while leveraging tax savings. With features such as market-linked returns, the freedom to choose between asset classes,…
When I started my professional journey at a private bank in 2003, we used to fill out physical forms to invest in mutual funds or even IPOs. Mutual funds were…
Admission Open for My Value Investing Workshops (Offline): I’m excited to announce admissions to my upcoming in-person value investing workshops in the following cities: Bengaluru – Sunday, 13th July 2025…
Sebi-registered investment advisor Abhishek Kumar offers a balanced, data-driven perspective on a social media post that claimed index funds are “guaranteed” to underperform the market. About the author: Abhishek is part…
Making smart investment choices has become more important than ever. With rising prices, changing markets, and new investment options, it’s not enough to simply invest—you need a clear plan to…
Epigral Ltd – India’s Leading Integrated Chemical Manufacturer Established in 2007 and headquartered in Ahmedabad, Epigral Ltd. is a pioneering force in India’s chemical industry. Previously known as Meghmani Finechem…
Additional Director Directorate General of GST Intelligence (DGGI) & Anr. Vs Central Electricity Regulatory Commission (Supreme Court of India) SC dismisses SLP against Delhi HC ruling that GST is not…
Happiness isn’t just about good vibes and great company—it’s also about feeling financially secure and stress-free. This International Day of Happiness, let’s explore the surprising link between your money habits,…
There have been No Changes in the small savings scheme for the quarter of July-September 2025. PPF interest rates – No Change (remains at 7.1%) – Possible reason? Once again,…
What are the latest Post Office Small Savings Scheme Interest Rate for July – September 2025? What is the interest rate for PPF, SSY, SCSS, KVP, or NSC schemes for…
GENIUS Act: Stablecoins vs Digital Rupee: CompareExplore how stablecoins and the Digital Rupee (e₹) differ. Select a topic or take the quiz! Choose a Topic: Who Issues It?Purpose & ControlValue…
Who doesn’t feel that managing personal expenses can be a hectic task sometimes? But if you have the right tools you can take charge of it like a pro!. In…
Buying your first home is a significant milestone. For many, it represents the culmination of years of hard work and careful planning. However, turning this dream into reality requires more…
Credit cards are Easy Money, and any easy money option tends to get exploited. But if used wisely this instrument is not that bad. It’s just we either fear them…
Two Books. One Purpose. A Better Life. “Discover the extraordinary within.” —Manish Chokhani, Director, Enam Holdings “This is a masterpiece.” —Morgan Housel, Author, Psychology of Money I am writing this…
We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. There are now three different screener files…
Managing your investments isn’t just about picking the right stocks—it’s about strategy, discipline, and staying ahead of market shifts. As markets grow more complex and volatile, high-net-worth individuals (HNIs) and…
FundsIndia’s Wealth Conversations is a visual curation of super interesting investment insights with a focus on Equity, Debt, Gold, Real Estate, Asset Allocation and Diversification. This can help you set…
The Reserve Bank of India (RBI) has issued a Draft Master Direction for feedback concerning the closure of shipping bills within the Export Data Processing and Monitoring System (EDPMS). Introduced…
Last Updated on Jun 2, 2025 by Aishika Banerjee The Indian Contract Act states the rules for promises exchanged between two parties. If you promise something to another person, who…
With women’s empowerment rising in magnitude, here’s how financially independent women everywhere can throw down the proverbial gauntlet and take control of their money. Happy Women’s Day! Many women tend…
FIRE isn’t always about choice. F.I.R.E. can also mean ‘Forced Into Retiring Early’. That’s why professionals need to prioritise retirement over other financial goals. It’s time to accept the reality.…
A new client who never invested in mutual funds asked – what if a mutual fund company shuts down? This blog post explains the answer in simple terms. Mutual Funds…
Summary Points:RBI cut repo rate to 6% in April 2025. CRR dropped from 4.5% to 4% in December 2024.CRR cut gives banks instant cash to lend.Repo rate cut makes borrowing…
In Indian culture, Gold is not just an investment. Rather an integral part of the culture and economy. It is a symbol of prosperity, wealth, social status and even traditions…
The Union Budget 2025 unveiled on 1 February 2025 has been responsive, and rightly so. As the Finance Minister stated, it is on the path to accelerating growth and boosting…
Many people equate the “right investment” with high returns when it comes to investing. They chase performance, jump from one trending asset to another, and rely heavily on past performance…
Special Discount on My Books! (Until 10th May 2025) Each year, Berkshire Hathaway’s Annual General Meeting in Omaha draws tens of thousands of shareholders, investors, and admirers from around the…
This index fund screener is based on tracking error and returns difference wrt benchmarks (aka tracking difference). It will help users evaluate how efficiently an index fund has tracked its…
Investing can seem overwhelming at first, especially for beginners—but with the right understanding, it becomes a strategic and empowering way to build long-term wealth. Whether you’re planning for retirement, funding…
Cummins India Ltd – Power, Progress, Possibilities. Founded in 1962 and headquartered in Pune, Cummins India Ltd. is a leading manufacturer of diesel and natural gas engines in the country.…
Brief The article seeks to examine the contradictory evidence on whether board size enhances or hinders corporate performance, concluding that while larger boards can improve monitoring and bring diverse expertise,…
Last Updated on May 8, 2025 by vanessa sequeira Mutual funds are one of the most sought-after investment options. The money contributed by individual investors is pooled and used to…
Tired of only dreaming about travel? This guide will show you how to explore the world without emptying your wallet. From off-season travel hacks to free activities and hidden gems,…
There have been No Changes in the small savings scheme for the quarter of April-June 2025. PPF interest rates – No Change (remains at 7.1%) – Possible reason? Once again,…
Confused about PFIC rules for Indian NRIs in USA? Learn how PFIC affects your Indian mutual funds, tax filing, and smart alternatives to avoid penalties. If you’re an NRI living…
When the world around us is changing at a very fast pace, the only solution is to be informed. Otherwise, you will be left behind wondering what is happening! Majorly…
Merchant Navy, or Seafarers as we call them, forms an important community. However, there is much confusion over their residential status, which, in turn, prevents them from making investment decisions.…
Every parent dreams of giving their child the best opportunities in life, especially regarding education. With this goal in mind, they often go to great lengths to secure their child’s…
There’s a comforting illusion many of us as investors hold onto, which is the idea that if we just read enough, track enough, listen to the right experts, and follow…
Know Your Portfolio Investing in bonds is now more simpler and more accessible than ever. There is no need to go through the cumbersome process of contacting brokers and dealing…
A reader wanted to know if he could invest his entire retirement corpus in mutual funds (of varying risk) and draw an income from them via systematic withdrawal plans —…
An index fund is a kind of passive investment that aims to mirror the performance of a specific index rather than trying to outperform it. Here we’ll look at what…
Ujala Dyeing And Printing Mills Private Limited Vs DCIT (Gujarat High Court) The Gujarat High Court addressed a case where Ujala Dyeing And Printing Mills Private Limited inadvertently made an…
Last Updated on Apr 21, 2025 by Aishika Banerjee There are different types of mutual fund schemes with different risk-return profiles. Gilt funds are a type of mutual fund investment…
Received your first salary? Congratulations! Resist the urge to splurge. Instead, a disciplined financial approach from your first pay onwards itself will work wonders in the long run. Here’s what…
I did a simple analysis to see what is the Difference in the Final Portfolio value when you do a simple Rs 25,000 Monthly SIP for 10 years by investing…
The finance industry is undergoing a major transformation that is being driven by technology. One advancement that is a game changer is AI “Artificial Intelligence”. It is changing the finance…
The Indian Parliament recently passed the Banking Laws (Amendment) Bill, 2024, marking a significant overhaul of the country’s banking regulations. This bill was introduced on August 9, 2024, and passed…
image source - the financial express Every Union Budget has an impact on our money—sometimes directly, sometimes indirectly. The direct impact comes through changes in income tax rules, deductions, or…
Over 30 million years ago, the earth witnessed one of the most remarkable shifts in evolutionary history. It wasn’t dramatic like the asteroid that wiped out the dinosaurs, but a…
Overview Building a well-balanced portfolio is of primary importance for a well-rounded investment strategy. A balanced portfolio comprises all your investments, such as stocks, mutual funds, ETFs, bonds, real estate,…
Most personal finance content implicitly assumes the reader is salaried and can access monthly fresh cash flow. We all know that the number of entrepreneurs and small business owners has…
How did the trade war affect US and Indian Equity Markets in the past? Trump tariff war during his last tenure in 2018 led to increased disputes amongst the World Trade…
EIH Ltd – Leaders in luxury hospitality Established in 1949, EIH Ltd. is one of the largest luxury hotel chains in India. A flagship company of The Oberoi Group, the…
Summary of the Draft Reserve Bank of India (Co-Lending Arrangements) Directions, 2025 issued by Reserve Bank of India on April 09, 2025: The regulated entities (REs) enter into several co-lending…
Last Updated on Mar 17, 2025 by Aishika Banerjee Alternative Investment Fund (AIF) is a type of fund of funds that invests in asset classes other than bonds, stocks, and…
With the financial landscape constantly evolving, these key mantras can guide you toward a more secure and prosperous 2025. As we move into 2025, navigating personal finance is both exciting…
Indian markets have been falling for a while after making their lifetime highs around September-October 2024. Since then, at least Nifty50 has been slowly grinding down and has now given…
Summary Points:India: At a Rs.50L CTC, you face a 26% income tax hit (Rs. 13 lakhs), plus GST (avg. 12% of spending), pushing total tax to 32.2%, that’s a lot…
NRIs have properties in India. These properties are either inherited or self-acquired. They buy houses for investment purposes or for self-occupancy when they are in India. Most NRI rent the…
Image from pixabay.com We’re all familiar with KYC processes, aren’t we? Whether opening a bank account or signing up for a mutual fund, you’ve been asked to submit identity and…
A quick announcement before I begin today’s post – My new book, Boundless, is now available for ordering! After a wonderful response during the pre-order phase, I finally have the book…
Introduction Has the question ever crossed your mind as to what happens to the investor’s securities if they pass away? Well, many investors enter into the world of investing without…
In this article, we explain the nuances of a retirement bucket strategy and discuss a method to implement it.What is a retirement bucket strategy? We have seen how our parents…
When browsing through various mutual funds schemes, you’ll often come across two options: Growth and IDCW (Income Distribution Cum Capital Withdrawal). With the growth option, any profits stay invested, which…
Poly Medicure Ltd – Key player in medical devices space Poly Medicure Ltd., founded in 1995 and based in New Delhi, is a leading manufacturer of medical devices across infusion…
It is definitely a matter of great significance that while striking the right chord, the Supreme Court in a most learned, laudable, landmark, logical and latest judgment titled Dhirubhai Bhailabhai…
Last Updated on Feb 13, 2025 by vanessa sequeira Equity investments can be made by directly buying stocks in the stock market or investing in equity mutual funds. Buying and…
New Year, new goals. That’s what we always say, isn’t it? Every January, we start with the best intentions: “This is the year I’ll get my finances sorted!”. But by…
About Dev I help people align their investments with their real financial goals. This website is about investing, personal finance & financial planning. To contact me for Investment Advisory, please…
A big change in Income Tax Bill 2025! The new Tax Year replaces the Previous Year & Assessment Year. Know how it affects your tax filing with simple examples. When…
If your stock portfolio looks like a sea of red right now, trust me, you’re not alone. I’ve been there, and I am there as I write this blog post.…
The rapid adoption of digital payment services in India has revolutionized financial transactions. Recently, a report showed that Bangalore conducts 80% of its payments over digital payment mediums. From UPI…
Will writing for NRIs Will writing for NRIs is as important as Resident Indians? It’s an important part of the overall financial planning for NRIs. NRIs must engage in estate…
A couple of announcements before I begin today’s post – 1. The Sketchbook of Wisdom – Special Offer Ends Today: I have been running a special offer on The Sketchbook of…
Overview Fixed Deposits are among the safest investments, providing risk-free and guaranteed returns. That is why they are a favorite investment choice among individuals seeking a secure and steady source…
This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month.…
Inflation erodes the purchasing power of money over time, making goods and services more expensive in the future. Understanding how inflation impacts large purchases, such as homes or cars, is…
Avanti Feeds Ltd – Aiding sustainability & reliability to aquaculture Incorporated in 1993 and headquartered in Hyderabad, Avanti Feeds Ltd. offers comprehensive shrimp farming solutions and renewable energy through wind…
Taxes in India are levied by the Central Government and the State Governments by virtue of powers conferred to them from the Constitution of India. Some minor taxes are also levied by the local authorities such…
Last Updated on Mar 3, 2025 by Nikita Malik Hedge funds are actively managed alternative investments that use non-traditional asset classes or investment strategies. Hedge funds trade in fixed income…
Here are three New Year’s resolutions that you should make to improve your Credit Score in 2025. It’s that time of the year again when most of us try to…
The income tax slabs in the new tax regime have been changed slightly. As per the announcement, instead of 6, now there will be 5 income tax slabs. The New…
Ever felt like a stock price was acting a little…off? Like it was climbing way too fast or plummeting for seemingly no reason? That could be market manipulation at play.…
Imagine a world where managing your tax affairs is as effortless as tapping a few buttons on your smartphone. Enters the – PAN 2.0, the revamped system for the Permanent…
In this post, we’ve put together 24 of the most popular personal finance articles from Good Moneying in 2024. These are the pieces our readers loved the most in 2024…
David Whyte, the noted Anglo-Irish poet, said this in a 2019 interview with Krista Tippett* – One of the interesting qualities of being human is, by the look of it,…
Overview In the world of corporate bonds, understanding the distinction between secured and unsecured debt is crucial for investors seeking to balance risk and reward. Though bonds are one of…
The latest freefincal Equity Mutual Fund Performance Screener is now available. Use it to screen for consistently performing equity mutual funds. You can screen based on fund category & benchmark…
Are you torn between letting your investments run on autopilot or taking a hands-on approach? Choosing the right portfolio management strategy is crucial for achieving your financial goals. Some investors…
Before we get into it, Check out Nifty and Bank Nifty’s November 2024 performance! November 2024 experienced significant volatility, as the Nifty recovered from a mid-month dip of 23,263 to…
Case Name : K S Ameer Jan Vs Maqbool Ahmed (Karnataka High Court) Appeal Number : CRL. R.P. No. 1083/2015 Date of Judgement/Order : 08/10/2021 Related Assessment Year : K…
Mastering your personal finances doesn’t have to be a complicated slog through spreadsheets and jargon-laden investment strategies. Armed with a few simple math tricks, you can take control of your…
Investing successfully is a lot like driving. You need to know when to accelerate, decelerate, change gears, move slowly in traffic, move quickly to overtake, stop for refuelling, and avoid…
Is it wise to buy health insurance or create a health emergency fund, especially with rising premiums and uncertain claim settlements? The ongoing increase in health insurance premiums, combined with…
Nifty 50 Index P/E History [2014 to 2015]Current P/E: 20.52PE (3-Yr Average): 21.9Remark: PE looks slightly undervaluedThe Nifty 50’s PE ratio, starting from early 2014, exhibits a generally upward trend…
A Power of Attorney (POA) is a legal document that allows an individual to act on your behalf. A NRI Power of Attorney (PoA) is a legal document that allows…
In the pursuit of more, we often overlook the power of less. We chase growth, accumulation, and success without realizing that sometimes, scaling back is the real key to happiness…
How we seek to spend our time may depend on how much time we perceive ourselves to have. ― Atul Gawande, Being Mortal Earlier this month, on my birthday, I…
As we all know, Fixed Deposits (FDs) are one of the most popular investment options in India, and hold a special place in the hearts of all Indians, and for…
Excuse me for stating the obvious. Most people will not be financially independent when they retire. Here is why.Forget about early retirement; Most people will not become financially independent at…
One of the biggest advantages of mutual funds is that they offer something for every type of investor. If you’re a conservative investor with an aversion to risk, you might…
Crisil Limited Vs ACIT (ITAT Mumbai) ITAT Mumbai held that disallowance under section 40(a)(ia) of the Income Tax Act unjustified when reimbursement of expenses is considered as receipts in total…
Did you know that those currency notes lying idle inside your wallet have the power to make you happy? Let’s find out how. You read it right! Money can buy…
Most people haven’t experienced the 2008-2009 Bear Market. And there is no way to just read about it and experience the pain. It had to be lived through. It was…
Which are Top 10 Best SIP Mutual Funds To Invest In India In 2025? How to select them and how to create a portfolio on our own? Whether Index Funds…
So, I was just digging into this article about Dixon Technologies, which, wow, has some incredible revenue growth. But what really jumped out at me was the discussion about its massive P/E…
What is Remittance? Remittance is the process of transferring money from one person to another, often across international borders. It’s a lifeline for many families, helping them cover essential expenses…
A modern skyline symbolizing the future-ready vision of GIFT City, India's first International Financial Services Centre (IFSC) With Investment options rising locally and globally, GIFT City in India is becoming…
The Internet is brimming with resources that proclaim, “nearly everything you believed about investing is incorrect.” However, there are far fewer that aim to help you become a better investor…
UGRO Capital Limited is coming up with Secured, Rated, Listed, Redeemable Non-Convertible Debentures available for subscription from October 10, 2024, to October 23, 2024. This presents an attractive investment opportunity,…
This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how efficiently an ETF has tracked its underlying…
The mutual fund industry in India ended 2024 on a high note, achieving remarkable milestones that reflect growing investor confidence and an evolving investment culture. December 2024 marked a pivotal…
Jindal Saw Ltd – Total Pipe Solutions Founded in 1984, Jindal Saw Ltd. has established itself as a market leader in the pipe manufacturing industry, supplying critical infrastructure materials for…
AMNS Ports Vizag Terminals Ltd. Vs PCIT (ITAT Allahabad) ITAT Allahabad held that order passed by PCIT without considering the contentions of the assessee is against the principles of natural…
Weddings are more than just ceremonies. They’re larger-than-life productions steeped in traditions, emotions and societal expectations. From keeping up with the Sharmas to chasing Instagram-worthy moments, the pressure to spend…
A few days back, AMFI published the updated half-yearly data on market-capitalization (mcap) bucketing for all listed stocks. As per SEBI’s current definitions, the Largecaps are the first 100 companies…
Which are the top 5 best health insurance companies in India in 2025? It is based on the recently published Insurance Brokers Association of India (IBAI) data. Recently the Insurance…
India’s vast geography and growing digital economy create an enormous demand for high-speed internet in rural and underserved areas. While Jio and Airtel dominate India’s 4G/5G and fiber broadband markets,…
Gold has long been considered a symbol of wealth, security, and status, especially in India. For centuries, it has been woven into the cultural fabric, used in weddings, festivals, and…
Digging into financial planning complexities: A guide for NRIs managing 401(k) plans while returning to India. Samar, a 45-year-old professional, has finally decided to move back to India to care…
There’s a certain charm in taking life slowly, a charm that too many of us overlook in our rush to get somewhere—or perhaps nowhere at all. I’ve always believed that…
Edelweiss Financial Services Limited is coming up with Secured, Redeemable Non-Convertible Debentures from October 07, 2024, to October 18, 2024. This investment holds promising opportunities for investors, supported by an…
I have tracked the amount invested in my goal portfolio for over 13 years. It has been a life and game changer for my family. Whether you track your spending…
Introduction Over the years, the Government of India has launched several savings schemes to encourage people to invest and build a secure financial future. These schemes have helped promote financial…
Kalyan Jewellers India Ltd Founded in 1993, Kalyan Jewellers Ltd. is now among the largest jewellery companies in India. The company specializes in designing, manufacturing, and selling a variety of…
Kaka Gold LLP Vs Director General of Foreign Trade & Ors. (Delhi High Court) Writ petitions were filed challenging the minutes of meeting held on 08.11.2024, though which TRQ (Tariff…
The all-new version of the BankBazaar mobile app for Android and iOS is here! With sleek UI/UX changes, smarter features, and a focus on your needs, it’s more than just…
Nifty Next50 is in a kind of (red) spotlight given its sharp correction. And more so because the fall in Next50 from its highs (-17.5%) is much higher than not…
What are the short-term investment options in India? How can the available options be optimized? Which short-term investment option is best? Before exploring the investment options at first let us…
Germany, traditionally known for its economic strength, innovation, and highly efficient industries, is now in trouble. It is facing the risk of a slowdown that could have ripple effects across…
For Non-Resident Indians (NRIs), managing wealth and investments back home can be challenging due to geographical distance, differences in regulations, and dynamic market conditions. A skilled NRI wealth manager based…
The debate between Debt funds vs bank deposits is still on and Debt funds are frowned upon these days. The reason is not only the high equity returns, which are…
I am writing this series of letters on the art of investing, addressed to a young investor, with the aim to provide timeless wisdom and practical advice that helped me when…
NIDO Home Finance Limited (formerly known as Edelweiss Housing Finance Limited) has come up with a Senior Secured, Rated, Listed, Redeemable Non-Convertible Debenture from September 18, 2024, to October 01,…
Last Updated on December 17, 2024 at 9:18 pmI am Alok, 31 years old, a Group A officer in the central government, and this is my journey to financial independence.…
Capital structure is a cornerstone of financial management and plays a vital role in determining a company’s overall financial health. It defines how a company finances its operations and growth…
Natco Pharma Ltd – Making specialty medicines accessible to all Founded in 1981 and based in Hyderabad, Natco Pharma Ltd. is a leading pharmaceutical company specializing in finished dosage formulations…
Institute of Chartered Accountants of India (ICAI) has released the election results for its 25th Regional Councils. The notification, issued on December 27, 2024, lists elected members for five regional…
Struggling with Credit Card debt? Learn practical strategies to pay off your balances faster and regain financial control. Credit Card debt can quickly spiral out of control, especially if you’re…
Liquid Funds Vs Overnight Funds differences are too thin. In such a situation when to use these funds? Are both these categories safe? What are the risks involved? Liquid Funds…
When you think of painting a wall, you probably imagine a simple task — pick a color, buy the paint, and get rolling. But behind every can of paint, there’s…
The Indian government has extended the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) to cover all senior citizens above the age of 70, irrespective of their socio-economic status. This…
Gold and Silver need no introduction. While new investors might need some guidance with instruments like fixed deposits, almost everyone is familiar with gold and silver. In households, these metals…
Have you ever had one of those moments where life seems to hand you exactly what you were looking for, but not in the way you expected? Say “yes” because…
Introduction Bond investment has become more accessible, simple, and convenient, than ever before. Initially, buying bonds involved contacting a broker or financial advisor and navigating through a cumbersome paper-based process. In…
We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. There are now three different screener files…
Retirement signifies the start of a new chapter in life, one that allows you to pursue your passions, spend quality time with loved ones, and unwind after years of hard…
PG Electroplast Ltd – Expertise meets innovation PG Electroplast Limited (PGEL), a flagship of PG Group, is a leading electronic manufacturing service provider in India. Founded in 2003 and based…
Meenakshi And Kushal Goyal Vs Amit Agarwal (NCLAT Delhi) NCLAT Delhi held that resolution professional needs to place the resolution plan after incorporating directions by Hon’ble Supreme Court before CoC…
Teaching children about personal finance is an invaluable gift that sets them on the path to financial independence and responsible money management. By starting early and integrating fun, practical lessons,…
For retirees or individuals without a steady income, what are the best investment options for regular income? Here are some of the safe and most effective options. Nowadays when it…
Day trading seems exciting. Buy stocks in the morning, sell them by evening, and pocket quick profits – it sounds simple, right? However, for most retail investors, especially beginners, the…
An Initial Public Offering or IPO is a process in which a privately held organization makes the firm’s shares available to the general public for purchase. But how are IPO…
Mutual funds sahi hai, but let’s be honest—they can feel a bit boring, especially in a bull market. When stocks are soaring, and you hear about people making double or…
Adani Enterprises Limited is coming up with Secured, Rated, Listed, Redeemable Non-Convertible Debentures on 04, September 2024 which is closing on 17, September 2024. Rated A+/ Positive by Care, it…
If we consider any argument involving money managment, personal finance, investing, insurance, etc., there is something common among the two or more opposing ideas/sides. Each side thinks their choice is…
Suppose you invested Rs. 5 lakh in an equity mutual fund, and after 3 years, its value increased to Rs. 8 lakh. If you decide to redeem your investment now,…
Sector & Thematic funds are becoming popular… Over the past 12 months, more than 1/3rd of equity mutual fund net inflows have gone into sector and thematic funds. It’s now…
Balappa Hanamantappa Nandeppanavar Vs ITO (ITAT Bangalore) ITAT Bangalore held that dismissal of appeal by CIT(A) merely because the same was filed belatedly not justified as CIT(A) failed to grant…
Last Updated on Jul 30, 2024 by Anjali Chourasiya Despite its fair share of ups and downs, the stock market is still one of the best places to put your…
Ah, the festive season is here! There’s something magical in the air — the smell of freshly made sweets, homes adorned with twinkling lights and the hum of excitement as people…
NPS Tier 2 Vs Mutual Funds – Which is better to invest? Can we use NPS Tier 2 as it offers tax-free rebalancing or due to its low-cost nature than…
Shares of Indraprastha Gas Limited (IGL) witnessed a sharp decline yesterday. The price dropped nearly 20% in a single trading session. This sudden fall raised concerns among investors. Long term…
There is a huge chunk of middle class population in India. For them savings and putting their money in the best investment plan is of the utmost priority. But it…
An International Financial Services Centre (IFSC) is a jurisdiction that provides financial services to non-residents and residents in foreign currencies. These centers (Like Gift City in India) are designed to…
Estimated reading time: 6 minutes In the world of investing, “Asset Allocation” is a well-known term. While every investor may not actively practice it, seasoned investors very well know its…
The Sketchbook of Wisdom: A Hand-Crafted Manual on the Pursuit of Wealth and Good Life This is a masterpiece. Morgan Housel, Author, The Psychology of Money There is a quirk…
What is Diversification? Diversification is an important strategy for spreading your investments across multiple asset classes to avoid exposure to any one type of asset. This approach helps to reduce…
In this article, Anand Vaidya shares how his investment portfolio has evolved one year after he retired. Anand has written several articles for freefincal (linked below), and this is a…
When one needs to assess how well a country’s government uses its economic resources through taxes, one of the key metrics used is the tax to GDP ratio. As the…
Sarojben Lalitbhai Vadhani Vs ITO (TAT Ahmedabad) ITAT Ahmedabad restored the matter back to the file of CIT(A) after imposing cost of Rs. 5,000 on the assessee for negligence in…
Last Updated on Jul 30, 2024 by Anjali Chourasiya Einstein said, “Compound interest is the eighth wonder of the world,” but to be able to relish its benefits you have…
On this International Coffee Day, as we breathe in the rich aroma that somehow makes every moment feel a little warmer, it’s hard not to reflect on how deeply coffee…
Recently one of my neighbors asked SIP Vs SWP Mutual Funds – Which is better in India? Should we use SIP or SWP of Mutual Funds to generate better returns?…
Learn about the new guidelines for managing irregular PPF and Sukanya Samriddhi Yojana accounts, including changes for minors, multiple accounts, NRIs, and more. How Irregular Accounts Will Be Handled? What…
Financial manias, or market bubbles, have been a regular part of economic history. From the Dutch Tulip craze in the 1600s to more recent events like the dot-com bubble and…
Kosamattam Finance Limited issued Secured, Rated, Listed, Redeemable Non-Convertible Debentures on 19 July 2024 which is closing on 01, August 2024. Rated A-/ Stable by India Ratings, it presents an…
Quick cash ideas are not so hard to find on the Internet if you know where to go. But most people don’t know what’s legit and what’s a scam. As…
This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month.…
Over the course of the last few years, alternative digital methods of investing in gold have gained quite a lot of popularity. These methods eliminate the hassle that comes with…
When thinking about safe and reliable investment choices in India, options like “Fixed Deposit” (FD) and Term Deposit take the centre stage. Though these are commonly used terms there’s often…
Key Highlights 1. ‘Policy continuity’ with no major populist announcement despite election result 2. Continued focus on fiscal consolidation Further reduction in fiscal deficit target to 4.9% of GDP for…
The Central Board of Indirect Taxes & Customs (CBIC) recently launched a nationwide Behavioral Sensitization Program to strengthen the professional sensitivity and responsiveness of its workforce. Under Mission Karmayogi’s values,…
This blog is a heartfelt tribute to all the beloved grandparents who have deeply influenced our lives in countless ways. My grandma’s lessons on patience, frugality and the importance of…
There have been No Changes in the small savings scheme for the quarter of October-December 2024. PPF interest rates – No Change (remains at 7.1%) – Possible reason? Once again…
When the PPF matures, should we choose closure or extension? Which option benefits investors more? Let’s review the relevant rules before deciding. PPF stands out as the best debt instrument…
![Read more about the article Why Bajaj Auto Share is Falling: Understanding the Market Reaction [17-October-2024]](https://coinfinity.in/wp-content/uploads/2024/10/Why-Bajaj-Auto-Share-is-Falling-Thumbnail.png)
As on October 17, 2024, Bajaj Auto shares experienced a downturn of approximately 10%. The primary catalyst for this decline appears to be the company’s recently announced September quarter financial…
The Post Office Recurring Deposit Account or Post Office RD, offered by the Department of Post, Government of India, is a popular savings scheme designed to help individuals save consistently…
In today’s fast-paced world, two contrasting financial philosophies—FIRE (Financial Independence, Retire Early) and YOLO (You Only Live Once)—have gained significant attention. Both represent extremes in how we approach life and…
The Sketchbook of Wisdom: A Hand-Crafted Manual on the Pursuit of Wealth and Good Life This is a masterpiece. Morgan Housel, Author, The Psychology of Money The Cycle of Financial…
Investing in the debt market is a dynamic activity that often requires analyzing various investment options and placing orders individually. Choosing the right bonds is a task that involves researching…
About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit of readers. Some of the previous editions are linked at the bottom…
Companies, investment bankers, and research analysts use different financial models to project how a business or an investment will perform in the future. Let’s understand how Financial Modeling works and…
Ircon International Ltd – Key player in railway infrastructure Incorporated in 1976 and headquartered in New Delhi, Ircon International Ltd. (IRCON) is a leading government construction company under the Ministry…
Many times common man don’t know the repercussions of misreporting of income and or tax under the Income Tax Act, 1961. Our minds are still running in the era of…
Last Updated on Jul 30, 2024 by Anjali Chourasiya An asset class for individuals with a low-risk appetite, debt funds are the right investment opportunity for several new investors. They…
Wondering how you can be a credit pro? You may already be one! Read on to discover the four signs that can confirm whether you’re a credit expert or not.…
Everyone keeps talking about how (even) Smallcap Funds gave multibagger returns from the pandemic lows of 2020 (March) till now. But what many people don’t see and realize is that…
The Finance Minister has launched the NPS Vatsalya Scheme to secure retirement savings for minor children. Let us look into the advantages and disadvantages. Following the announcement made during Budget…
Investors often seek strategies to maximize assured returns from stocks. One popular approach is buying dividend stocks just before their payout date. This tactic, known as the “dividend capture strategy,”…
It is tax filing season. Residents & NRIs both need to file for the FY 2023-24. Every taxpayer should determine their residential status under provisions of Section 6 of the…
Indexation plays a crucial role in calculating capital gains tax on property, allowing you to adjust the purchase price of an asset according to inflation. This adjustment, guided by the…
I have started this new series – Five Good Lessons – for Mastermind members, wherein I will be sharing five good lessons from a book on investing, money, behavioural finance,…
Overview Understanding risk tolerance is a crucial factor for successful investing. It is about how much risk one is willing to accept to achieve satisfactory investment returns. While determining your…
Are you a grammar nerd? Do you have an eagle eye for spelling mistakes and punctuation? If so, you are in the right place. You can earn significant monthly income…
Last Updated on September 15, 2024 at 9:33 amThere are currently two ongoing NFOs – Motilal Oswal Nifty 500 Momentum 50 Index Fund (and ETF) and Nippon India Nifty 500…
These days, a lot of people are juggling several income streams, and why not? For many of us, relying on just one salary simply isn’t enough, especially when you’re a…
NTPC Ltd. – Leading India’s Power Sector Established in 1975 and headquartered in New Delhi, NTPC Ltd. is an Indian Public Sector Undertaking (PSU) primarily involved in the generation and…
This article provides an analysis of notable tax rulings from the Kolkata Income Tax Appellate Tribunal (ITAT) covering key issues such as disallowance of short-term capital losses under Section 50C,…
This Independence Day, we want you to pave your way towards a financially independent life. And to be financially independent you need to have a good credit history,…
I was recently quoted in Economic Times WEALTH (5-11 August 2024) in the Q&A section where a panel of experts answers readers’ questions related to various aspects of their personal…
Top 10 stocks in the Nifty 50 make up about 56% of the index. Then, is it wise to consider Nifty Top 10 Equal Weight as an alternative to Nifty…
Starting early and staying invested in stocks is crucial for wealth building. By beginning our investment journey at a young age and maintaining a long-term perspective, we can benefit from…
The Post Office Monthly Income Scheme (POMIS) is a popular choice among senior citizens in India. Designed to provide regular monthly income and ensure financial security, POMIS has become a…
Discover how to achieve financial freedom by focusing on mindful spending, smart investing, and stress-free money management. Embrace a simpler, fulfilling life! Financial freedom isn’t just about having a large…
In the 34th episode of The One Percent Show, I talked with Leander Paes, the Indian tennis legend widely regarded as one of the greatest doubles players in tennis history. We…
NIDO Home Finance Limited (formerly known as Edelweiss Housing Finance Limited) has come up with a Senior Secured, Rated, Listed, Redeemable Non-Convertible Debentures from June 13, 2024, to June 27,…
There are thousands of reasons to look for remote jobs online these days. Maybe you are a stay-at-home mom who is looking for a remote career or a digital nomad…
Since the Unified Pension Scheme (UPS) announcement, several readers have asked me if I would opt for UPS. In this article, I explain why I prefer the NPS (National Pension…
In July 2024, the mutual fund industry in India crossed the Rs. 60 lakh crore mark – a huge milestone and just another sign of its growing popularity among investors.…
This article was originally published in Livemint. Click here to read it Nowadays, there are new mutual fund launches almost every day!Thanks to the bull market and increasing equity market participation, in the last…
Case Name : Cart Infralog Limited & Anr. Vs Assistant Commissioner of CGST & CX. Ballygunge Division & Ors. (Calcutta High Court) Appeal Number : WPA 15304 of 2024 Date…
Last Updated on Jul 30, 2024 by Anjali Chourasiya Mutual funds are highly liquid investments, which means an investor can choose to redeem – partly or fully – at their…
While we certainly admire the tenacity and sheer skill of the world’s top female athletes, they exhibit certain traits that we would do well to mimic when investing our money. Times…
Many people are not comfortable investing 100% in equities for certain goals (and rightly so). All they want is to just have 60-70% in Equity and the rest 30-40% in…
LIC recently launched a new term plan called LIC Digi Term (Plan 876). Which is better LIC Digi Term or existing LIC Tech Term plan? Let us do the analysis.…
India’s economic landscape has evolved from a primarily agrarian society to a diverse economy with robust industrial and service sectors. Post-1991 liberalization, trade policies shifted, leading to increased global integration.…
Prabhat, who recently converted status from resident to NRI, asked me if it is ok to continue Mutual Funds investments & SIPs from domestic accounts. The NRI Investing Using Domestic…
Buying a House: A Practical Approach Amid Uncertainty Estimated reading time: 4 minutes Buying a house has long been a cherished goal for many. It provides a sense of security,…
I am writing this series of letters on the art of investing, addressed to a young investor, aiming to provide timeless wisdom and practical advice that helped me when I…
IIFL Samasta Finance Limited is issuing Secured, Rated, Listed, Redeemable Non-Convertible Debentures from June 03, 2024, to June 14, 2024, which holds a credit rating of CRISIL AA-/ Watch Developing…
Are you looking for realistic ways to make $20k a month? If yes, you are in the right place. People look for alternative ways to improve their financial status and…
In response to our article – My ordeal with Aadhaar fingerprint fraud & how I got my money back – we received the following email from a reader who wants to…
Unlisted stocks—shares of companies that are not traded on public exchanges—present unique investment opportunities. These investments span early-stage angel investing & venture capital (VC) deals to established private equity (PE)…
Indus Towers Ltd. – Connecting Lives Across the Nation Formed by the merger of Indus Towers and Bharti Infratel Limited, Indus Towers Ltd. is one of the largest telecom tower…
#AD Ever wonder how a single large trade can shake up the entire cryptocurrency market? It’s like dropping a pebble in a calm pond—the ripples are far-reaching. Large orders can…
Last Updated on Jul 30, 2024 by Anjali Chourasiya You invest in mutual funds to create a corpus for your financial goals and to earn returns on your investments. But…
Amidst tax filing season, understanding the necessity of filing a NIL income tax return can save you from potential hassles and bring financial benefits. This guide covers all you need…
In a surprising move (claimed to be towards simplification of taxation structure), the Budget 2024 has dramatically changed the Real Estate Taxation Rules in India (2024). And what is this…
What are the changes in the taxation of Gold in India for instruments like Physical Gold, Gold ETF, Gold Mutual Funds or Sovereign Gold Bonds after Budget 2024? In Budget…
HDFC Bank, the second-largest bank in India. It is set for robust growth driven by improved profitability, sustainable deposit growth, and strategic investments in technology. The bank’s focus on retail…
Credit Cards are very useful for transactions. They help you by providing the safety of transfer and also earn you points & rewards. Credit cards offer convenience and flexibility but…
“Happy investors are not those who see their investments growing, but those who see their investments growing compared to others.” – unknownUnknown Do you agree? Let me share a story…
An announcement before I begin today’s post. I have opened admission to the August 2024 cohort of my Online Value Investing Workshop, which has already been taken by 1800+ students ever since…
360 One Prime Limited (formerly IIFL Wealth Prime Limited) is offering Secured, Rated, Listed, Redeemable Non-Convertible Debentures which will open on May 24, 2024, and close on June 06, 2024. …
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Is it possible to make money on Pinterest in 2024? I would say, Yes! And, I would like to share my journey with Pinterest and how I have been making…
This article compares my stock portfolio with an equivalent investment in a Nifty index fund and the Nifty 100 Low Volatility 30 TR index. We post this comparison each month.…
Investors in our country enjoy an abundance of investment options, but among them, the Public Provident Fund (PPF) and mutual funds stand out as the most popular. While PPF is…
Ajay Enterprises Pvt Ltd Vs DCIT (ITAT Delhi) ITAT Delhi on account of applicability of TDS provisions on unfinished work it is held that once assessee claims, while following percentage…
Last Updated on Jul 30, 2024 by Anjali Chourasiya Filing Income Tax Returns (ITR) is your federal duty if you earn an income in the financial year exceeding Rs. 2.5…
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The recent Budget has proposed big changes in the Indian Mutual Fund Tax Rules (2024). Based on the type of mutual funds, here are the taxation rules: Let me explain…
Mutual Fund industry shows us rosy picture of Systematic Withdrawal Plan SWP feature. However, if you don’t know how it works, then it is most dangerous for you. A lot…
Common stocks represent ownership in a company and offer voting rights. They also have a potential for long-term growth and variable dividends. Preferred stocks have a higher claim on assets…
The IRDAI has recently introduced some 5 major changes to health insurance regulations to make policies more customer-friendly. We should be aware of these most important 5 major health insurance…
This time in her Budget 24-25 speech, Finance Minister Ms. Nirmala Sitharaman emphasized the government’s commitment to simplifying the tax system, improving taxpayer services, ensuring tax certainty, and reducing litigation,…
The Sketchbook of Wisdom: A Hand-Crafted Manual on the Pursuit of Wealth and Good LifeBuy your copy of the book Morgan Housel calls “a masterpiece.” It contains 50 timeless ideas…
What is the Debt Market? The Indian debt market serves as a financial platform for exchanging various debt instruments, including bonds that offer a fixed rate of return and repayment…
Are you someone like me who dreamt of earning money doing nothing? If yes! and you are tired of finding the right ways, don’t worry, I’ve got you covered here!…
Many readers have asked us how they should modify their investment strategy after 2024.Some of the critical aspects of budget 2024 that will affect no-so-rich investors are:We have the following…
Profit maximisation and wealth maximisation are two major objectives of financial management. While profit maximisation strategies focus on generating profit in the short term, wealth maximisation strategies aim to increase…
Managing finances while repaying a personal loan can be difficult. Many of us have been there, wondering how to fit monthly repayments into our budgets without overstretching ourselves. That’s where…
Aurobindo Pharma Ltd. – Committed to healthier life! Aurobindo Pharma Ltd., established in 1986 and headquartered in Hyderabad, is a global pharmaceutical company focusing on generic pharmaceuticals, branded specialty pharmaceuticals,…
SEBI is inviting public comments on a proposed update to Paragraph 15 of the Master Circular for Credit Rating Agencies (CRAs). The draft aims to amend how CRAs handle default…
Credit Cards are often the ideal first credit product for many. They offer a unique opportunity to build and manage credit effectively. This article is designed to guide newcomers through…
Comparing Nifty50’s Past 3-Year Returns Vs. Future 3-Year Returns. Does it tell us something? What I wanted to see was whether the returns of the past 3 years at any…
As the deadline for filing ITR nears, few taxpayers are finding disparities in annual information statements. How to report and correct incorrect AIS in ITR? What is an Annual Information…
Evaluating Company profitability can be complex. It is especially true when we are comparing different-sized companies. In this article I’ll give you a peep inside the algorithm of my Stock…
In part one of this post, we detailed our own damage insurance claims. We learn that own damaged car insurance can be claimed in cashless mode & reimbursement mode. Many…
A couple of announcements before I begin today’s post – 1. Mastermind Value Investing Course Admissions: I invite you to join my premium, online membership and course in Value Investing –…
Overview Navigating the world of investing might seem daunting for newcomers, but there are plenty of resources available to help beginners in taking the first plunge. So, you can have…
Have you ever searched “how to make $100 fast” on Google? Most of us actually do at least once at some point in our lives. So, if you have landed…
SEBI released decisions made in its board meeting on June 27th 2024, which will significantly impact the income of finfluencers.The circular says: 1.1 The persons regulated by the Board and…
Fixed deposits (FDs) have long been a favoured investment choice for those seeking stability and guaranteed returns. Especially popular among conservative investors, FDs offer a safe haven where capital is…
International travel introduces you to new cultures, beautiful landscapes, and unforgettable memories, but it can also bring in Forex charges that inflate your vacation costs. Some charges could be unavoidable,…
Man Infraconstruction Ltd. – A key player in infrastructure development Man Infraconstruction Ltd (MICL), established in 2002 and headquartered in Mumbai, is an integrated EPC (Engineering, Procurement & Construction) company…
CBIC notifies vide Notification No. 01/2024-Integrated Tax Dated: 10th July, 2024 that every electronic commerce operator, not being an agent, shall collect an amount calculated at a rate of half per…
Ever wondered how the interest-free period is calculated on your Credit Card? It’s quite simple. We’ll break it down for you here! “If you think nobody cares if you’re alive,…
I was recently quoted in Economic Times WEALTH (17-23 June 2024) in the Q&A section where a panel of experts answers readers’ questions related to various aspects of their personal…
What can we understand based on the Historical Petrol and Diesel Fuel Prices In India from 1989 to 2024? How are these commodities impacting our financial life? According to the…
The debt-to-equity ratio (D/E ratio) is a critical financial metric that provides insight into a company’s financial leverage and overall risk profile. It compares a company’s total liabilities to its…
Imagine you driving on the bustling streets of your city or town, and suddenly, a distracted driver comes into your path, resulting in a collision! And, you think – what…
In the realm of financial planning, one principle stands out above the rest: the necessity of setting goals. Goals give direction and purpose to our investments, guiding our decisions and…
Dear Chaitanya, Happy birthday! I can’t believe how quickly time has flown by. It feels like just yesterday when you came into my life, filling it with great happiness. Today,…
The Indian Investment market is diverse and offers a wide range of investment options for individuals to grow their wealth. Traditionally, people used to invest the majority of their savings…
There are many online jobs that pay $40k a year. But is it possible to earn that figure working independently from the comfort of your home? Definitely, YES! $40k a…
This ETF screener is based on tracking errors and tracking differences (ETF return minus index return). The screener will help users evaluate how efficiently an ETF has tracked its underlying…
The tax system in our country is progressive, meaning that as a taxpayer’s income increases, the tax rate applied to that income also rises. This system makes sure that the…
March typically emerges as a subdued month in the financial calendar, marked by strategic maneuvering among investors to optimize their portfolios. This period often witnesses a flurry of activity as…
Last Updated on Sep 7, 2023 by Harshit Singh A financial emergency or a cash crunch situation can make you look for funding options like loans or other alternatives. Availing…
Ever gotten an email claiming your bank account is compromised, urging you to click a link to “verify” your details? That’s a phishing scam, a cunning attempt to steal your…
Recently NSE launched a new Index called Nifty 500 Equal Weight Index. Is it better than Nifty 500 Index in terms of risk and return? Let us find the answers.In…
Today, we’re discussing a significant move by the Reserve Bank of India – the transfer of 100 tonnes of gold from the Bank of England back to India. This marks…
As Non-Resident Indians (NRIs) deal with the global financial terrain, they encounter unique challenges that require correct solutions and strategic foresight. Most appreciate a formal approach but still keep their…
Are you unintentionally doubling up on your investments? It’s a common pitfall that many investors fall into without even realizing it. Today, let’s dive into the concept of mutual fund…
One of the best books I have read on the pursuit of the world’s highest peak, Mount Everest, is George Mallory’s Climbing Everest. Mallory was possibly the first man to…
In the past, gaining access to India’s debt market presented a formidable challenge for both retail investors and individuals, as it was primarily reserved for major financial institutions. The debt…
There are many online jobs that pay $100k a year. But is it possible to earn that figure working independently from the comfort of your home? Definitely, YES! $100k a…
In this article, we profile the Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Edelweiss Short Duration Index Fund for short) and discuss who should invest in…
Investing in financial schemes is a crucial component of holistic financial planning. One of the most popular and safe investment options is a Fixed Deposit (FD) – a financial tool…
Petronet LNG Ltd. – First LNG terminal in India Incorporated in 1998 as a joint venture among GAIL, IOCL, BPCL & ONGC, Petronet LNG Ltd. (PLL) is currently one of…
Oriental Carbon & Chemicals Ltd Vs OCCL Ltd (NCLAT Delhi) The National Company Law Appellate Tribunal (NCLAT) Delhi recently delivered a significant ruling in the case of Oriental Carbon &…
Last Updated on Sep 5, 2023 by Harshit Singh You might find yourself in need of loans for various purposes, and there are several financial institutions ready to assist you.…
While a Credit Card is a wonderful tool for enhanced liquidity, irresponsible usage can wreak long-term damage. Here’s how to keep your card usage in check to maximise the benefits…
I was recently quoted in Economic Times WEALTH (3-9 June 2024) in the Q&A section where a panel of experts answers readers’ questions related to various aspects of their personal…
Curious about the connection between Bond Yield Vs Returns? Let’s explore how changes in bond yield can affect the returns of debt mutual funds together!The inverse relationship between bond yields…
S&P Global’s recent revision of India’s economic outlook from ‘stable’ to ‘positive’ is a endorsement of the country’s growth trajectory and improving fiscal metrics. This development is a evidence of…
NRIs Investment in US Dollars or Indian Rupee is a complex and important decision. There are several factors to consider, and making the right choice requires careful evaluation. Let’s explore…
Though in our Practice we are not finding much of an issue with our investors, as their KYC records are well in place, and for those where the KYC status…
Though I consider myself somewhat spiritual, I’m not typically drawn to pilgrimages. In fact, the last major pilgrimage I undertook was nearly 40 years ago, at age 5, when I…
Motilal Oswal Financial Services Limited is offering Secured, Rated, Listed, Redeemable Non-Convertible Debentures on April 23, 2024, and is closing on May 07, 2024. This investment holds promising prospects for…
Are you a stay-at-home mom and looking for side hustle ideas to supplement your monthly income? It’s always a good move to start a side hustle, especially if you are…
Retirement planning is a life-long exercise. Ideally, it lasts from when we draw our first salary/income to when we (or the surviving spouse) draw our last breath. During this journey,…
When you hear the word investment, things like mutual funds, stocks, bonds, or real estate might pop into your head. While these are great options to grow wealth over time,…
Digital transformation of export financing is not just a thing of the future; it’s already underway. This shift towards digitalisation is redefining traditional processes, making export finance more accessible, efficient,…
KPR Mill Ltd. – Key player in the textiles industry. Incorporated in 2003 and headquartered in Coimbatore, KPR Mill Ltd. is one of the largest vertically integrated apparel manufacturing companies…
The upcoming 54th GST Council meeting, scheduled for June 22, 2024, is highly anticipated, particularly as it precedes the Indian Budget 2024-25, expected in July 2024. This meeting comes after…
Last Updated on Aug 1, 2023 by Anjali Chourasiya Availing a personal loan is probably the first thing that comes to your mind if you’re looking to address an emergency.…
By Market Capitalisation. Net Sales. Net Profit. Total Assets. Excise. Other Income. Raw Materials. Power & Fuel. Employee Cost. PBDIT. Interest. Tax. EPS. Investments. Sundry Debtors. Cash/Bank. Inventory. Debt. Contingent…
I was recently quoted in Economic Times WEALTH (20-26 May 2024) in the Q&A section where a panel of experts answers readers’ questions related to various aspects of their personal…
A shareholding pattern shows how a company’s shares are distributed among its different shareholders. It lists the names and ownership percentages of all shareholders. This information helps investors, analysts, and…
