Personal Finance

How different investments have preserved and grown real wealth over the last five years. Horizon ≈ 5 years · 2020–2025 Currency INR Measure CAGR, point-to-point Inflation quietly erodes wealth: money left idle loses purchasing power every year. Between FY2021 and FY2025, India's consumer price inflation averaged roughly 5.5%, so any asset returning less than that lost real value. Over this five-year window, several asset classes cleared that bar comfortably. Indian equi

Introduction If you live in the UAE or Singapore and earn income from India such as dividends from Indian shares, interest on NRI deposits, rental income, or capital gains you may worry about paying tax twice. This can happen because India taxes the income where it is earned, while your country of residence may also tax the same income. To prevent this, India has signed Double Taxation Avoidance Agreements (DTAAs) with both the UAE and Singapore. These agreements ensure that

A simple guide to how digital tokens are changing the way we own bonds, real estate and cash Imagine being able to buy a small slice of a commercial building in Mumbai, or a piece of a government bond, for the price of a dinner out and having that ownership recorded instantly and safely on a digital system that cannot be tampered with. This is the basic idea behind tokenization, one of the biggest shifts underway in global and Indian finance today. Tokenization is not crypto

The Government of India offers several social security schemes that provide affordable insurance, healthcare, and retirement benefits for every citizen. This guide explains four essential schemes—Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Atal Pension Yojana (APY), and Ayushman Bharat PM-JAY—covering their eligibility, benefits, and why they are important for your family's financial security.

A simple guide to India's National Pension System how it works, who can join, the tax benefits, and what to keep in mind before you invest. What is NPS? The National Pension System (NPS) is a retirement savings scheme backed by the Government of India and regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It was originally created for government employees, but today almost anyone can join salaried employees, self-employed individuals, minors (through

FCNR(B) deposits let NRIs earn tax-free interest in US dollars while protecting savings from currency fluctuations. This guide explains how FCNR(B) accounts work, their benefits, eligibility, interest rates, tenure options, tax implications, and why they are considered one of the safest dollar-denominated investment choices for Indians living abroad.

India's retail inflation climbed to 4.38% in June 2026, its highest level in 18 months, as a delayed monsoon sent vegetable prices soaring and global energy costs fed through to transport. The RBI held rates steady but raised its own inflation forecast — signalling more price pressure ahead.

SBI Funds Management's ₹11,693-crore IPO is the largest of 2026 and a textbook case of what an offer-for-sale actually means for a business versus its shareholders. On July 14, 2026, SBI Funds Management Limited, the company behind SBI Mutual Fund, India's largest asset manager by AUM, opens the country's biggest IPO so far this year. The headline number is ₹11,692.91 crore, priced in a band of ₹545 to ₹574 a share, with listing on the NSE and BSE around July 21.

Kerala's healthcare sector is witnessing a historic ownership shift as global private equity firms like KKR, Blackstone, and TPG invest over ₹50,000 crore in leading hospital chains. This data-backed analysis explores the major deals, why investors are targeting Kerala, the opportunities for healthcare expansion, and the growing concerns over affordability, consolidation, and the future of patient care.

Most gold investments give you exposure to gold. What if one could actually let you collect it? On May 4, 2026, the National Stock Exchange launched the Electronic Gold Receipt (EGR). This is a new exchange-traded security representing ownership of physical gold stored in SEBI-accredited vaults. You can buy it like a stock, hold it in your demat account, and if you ever want the actual gold, you can redeem it! What exactly is it? This means, physical gold that meets LBMA Go

9-12% Returns from NHAI InvITs.....Understanding the Risk Behind the Yield

Specialised Investment Funds (SIFs), launched in mid-September 2025 for investors with a high risk appetite, have already clocked 20,779 investor folios by the end of December, according to data from AMFI. That’s a big jump in a very short time.

When the RBI cuts interest rates, home loan borrowers usually expect one thing. A lower EMI. Banks are happy to offer that. A smaller monthly payment feels like relief. But very few borrowers pause to ask a more important question. Is this actually the best way to use a rate cut?

Indian investors face one steady challenge. The rupee keeps losing value against the dollar. In 2015, USD INR was ₹66, and today it is around ₹89. That means the rupee has weakened by 34% in ten years. Even a small 3% to 4% depreciation every year becomes a big loss over time. It quietly reduces the real returns on all rupee investments. This is why more investors are looking for assets that protect them from this continuous slide. Why S&P 500 Feeder Funds Work Well S&P 500 f

It sounds like the perfect idea. Buy gold with just a few taps on your phone, skip the jeweller, and own pure 24K gold stored safely in a vault somewhere. That is the promise of digital gold, and it has taken India by storm.

What if you could have spotted Kalyan Jewellers before it doubled? Turns out, there’s a smart way to catch such moves early...not by insider tips or luck, but by quietly tracking where some of India’s best fund managers are placing their bets.

Earlier, when you took a home loan, your bank fixed something called the ‘spread’, the bank’s margin over the benchmark rate (like the repo rate). Even if your credit score got better, the bank couldn’t change this spread for three years after the loan was issued.

Feeling weighed down by debt? You’re not alone. Between the total amount you owe and the never-ending interest payments, it can feel like a huge mountain to climb. But the good news is, you can conquer that mountain. All you need is a plan. The key to getting out of debt isn't just about making payments; it's about making them strategically. Let's break down three popular and proven methods to help you pay off your debt faster and take back control of your finances. To make t

How do you find the right dividend-paying stocks in India? Here’s a simple, data-driven way to do it using screener.in, one of India’s most popular stock research tools.

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