Blog

29 May 2026·12 min read

Home Loan Tax Benefits in India: Complete Guide to 80C and 24(b)

Every home loan deduction explained — principal under 80C, interest under 24(b), first-buyer bonuses under 80EEA, joint loan doubling, and old vs new regime impact.

28 May 2026·11 min read

Gold vs Mutual Funds: How to Allocate Between the Two in India

Returns, risk, tax, liquidity, and the right allocation between gold and equity mutual funds for an Indian investor, with data from the last 20 years.

28 May 2026·13 min read

Term Insurance in India: The Complete Buyers Guide

How much cover you need, how to choose an insurer, claim settlement ratios, riders worth adding, and why term beats endowment for almost every buyer.

27 May 2026·9 min read

BMI and Health Insurance in India: What You Need to Know

How your Body Mass Index affects health insurance premiums, loadings, and approvals in India, with Indian-specific BMI reference ranges and practical guidance.

27 May 2026·12 min read

Credit Score in India: How It Works and How to Improve It

CIBIL score ranges, how payment history and utilisation affect your number, repair strategies, and the direct financial cost of a low credit score on home loan rates.

26 May 2026·11 min read

NPS vs PPF: Which Is Better for Retirement Planning in India

A detailed comparison of NPS and PPF on returns, tax treatment, liquidity, and retirement suitability, with worked examples and a practical allocation framework.

21 May 2026·12 min read

How to Save Tax Legally in India: A Complete Guide

Every major deduction and exemption under the old tax regime — 80C, 80D, NPS, HRA, home loan interest — with a practical checklist for FY 2025 to 2026.

Salary

16 May 2026·11 min read

How EPF Works in India: A Complete Guide

Contributions, interest, EPS pension, UAN, VPF, withdrawals, and how to make the most of your Employees Provident Fund over a career.

Salary

10 May 2026·10 min read

How to Read Your Salary Slip in India

Every line on your payslip explained — basic, HRA, PF, special allowance, TDS, and flexible benefits — and how each one affects your tax and in-hand pay.

2 May 2026·8 min read

Emergency Fund: How Much Should an Indian Household Save

A practical method for sizing your emergency fund, where to park it, and when to draw from it.

20 April 2026·8 min read

Financial Planning Mistakes Many Indians Make

From mixing insurance with investment to ignoring inflation, a list of habits worth unlearning.

12 April 2026·6 min read

What is CAGR and Why It Matters for Your Investments

Compound Annual Growth Rate explained simply, with the difference between absolute returns and CAGR.

4 April 2026·8 min read

Mutual Fund Returns: How SIP Compounding Builds Wealth

Why staying invested matters more than timing, and how the math of compounding works in equity SIPs.

27 March 2026·7 min read

Income Tax Slabs in India for FY 2025 to 2026

A clear reference for both regimes, the rebate logic, surcharge thresholds, and the cess on top.

19 March 2026·7 min read

HRA Exemption Rules: Maximise Your Tax Savings

The three HRA exemption legs, the metro vs non metro rule, what counts as proof, and common mistakes to avoid.

26 February 2026·8 min read

12 March 2026·7 min read

Compound Interest Explained with Indian Examples

How a small monthly habit becomes a meaningful corpus, illustrated with everyday Indian numbers.

Finance

5 March 2026·6 min read

Fixed Deposit vs Recurring Deposit: Picking the Right One

Two of the safest savings instruments in India, compared on returns, liquidity, taxation, and ideal use cases.

Loans

Home Loan Eligibility: How Banks Actually Calculate It

Income multiples, FOIR ratios, credit scores, property valuation, and the levers you can pull to qualify for a larger loan.

18 February 2026·8 min read

PPF vs ELSS vs NPS: Tax Saving Investment Comparison

Three popular Section 80C and 80CCD instruments compared on returns, lock in, taxation, and risk.

Salary

10 February 2026·7 min read

How to Calculate Take Home Salary from CTC

CTC is not your in hand pay. Learn how basic, HRA, PF, gratuity, and tax shape what actually lands in your bank account.

3 February 2026·9 min read

Old vs New Tax Regime for FY 2025 to 2026

A side by side comparison of both regimes with worked examples to help you pick the right one for your salary band.

27 January 2026·8 min read

Understanding GST in India: A Beginners Guide

CGST, SGST, IGST, slabs, input tax credit, and how the GST system works for everyday transactions.