Personal Finance

If you follow the stock market, you’ve probably heard the buzz: SME IPOs. Stories of small, unknown companies listing on the stock exchange and their prices doubling, or even tripling, on the very first day are everywhere. It feels like a modern-day gold rush where anyone with a demat account can strike it rich. But is it really that simple? A recent in-depth study from the Reserve Bank of India (RBI) helps us look behind the curtain of this frenzy. Let's break down what’s ha

Mutual funds are an excellent way to invest and build wealth over time. However, there are situations when you may want to transfer your mutual fund units, whether it's to a family member, a friend, or even after a life-changing event. In this blog post, we’ll explore how you can use a facility for mutual fund units held in a non-dematerialised format, an online-only facility to transfer or gift your mutual fund units. If you've ever wondered how to simplify your transfers,

Investing in today's world can often feel like navigating through unpredictable weather. Whether it’s a booming economy, a demonetization shock, or a sudden market downturn, economic conditions can shift rapidly. But what if there was a way to make your investment strategy resilient across all seasons? Enter the "Permanent Portfolio", a simple yet powerful strategy designed to protect and grow your wealth, regardless of the economic climate. What is the Permanent Portfolio? T

If you’ve been tracking the Indian stock market lately, you may have noticed a strange split in investor behaviour. On one side, foreign investors are heading for the exit. On the other hand, Indian investors, both big institutions and everyday savers, are stepping in with unshakable confidence. It’s a tug of war, and the story behind it reveals a fundamental shift in the Indian market. The Great Divide- A Tale of Two Investors Foreign Portfolio Investors (FPIs) have been in

For decades, the answer to every Indian saver’s question “Where should I put my money?” was almost automatic: Fixed Deposit. Today, that answer is no longer so simple.

The first instinct for many investors is to hit the sell button, but history shows that panic selling is the costliest mistake. Corrections typically last three to six months, after which markets recover. The smarter approach is to align your strategy with your investor personality.

Think of it as a home loan in reverse. Instead of you paying EMIs to a bank, the bank pays you either monthly, quarterly, or as a lump sum against the value of your house or apartment.

Think India’s best borrowers are wealthy city dwellers? Think again. Rural women in Self-Help Groups (SHGs) boast a stunning 98% loan repayment rate, and they’re doing it without traditional collateral. This post uncovers the powerful blend of social trust, peer accountability, and grassroots financial discipline that makes India’s SHG model a global standout.

By March 2025, individuals owned 19.3% of the total market cap of micro-cap stocks. That’s already a big number. But here's the kicker: when we look only at non-promoter holdings, that is, shares available to the public, retail investors control over 70%. That’s a staggering concentration.

Without specific DTAA provisions deeming them as shares or explicitly making their gains taxable in India, they cannot be taxed under the same article as shares.

Over the past five years, India's banking landscape has quietly transformed. While term deposits continue to grow, the balance of where people choose to park their savings is shifting. This post explores the reasons behind this trend, what it means for depositors, and why your money remains safe, regardless of where you bank.

The state's debt-to-asset ratio (DAR), which compares how much debt a household has to its assets, shows a worrying trend. According to the NSS report(2019), the rural households in Kerala had a DAR of 9.7%, while urban households had a ratio of 7.3%.

As living costs soar, many middle-aged private-sector employees in India are falling behind in retirement planning. This post explores why nearly half of them contribute little to their retirement funds, the limitations of traditional pension schemes, and how mutual funds, especially SIPs, can offer a more secure financial future. Are you doing enough to retire comfortably?

The goal isn’t more money. The goal is living life on your own terms.

SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount regularly (monthly, quarterly, or weekly) from your mutual fund investment without immediately touching the entire principal amount.