Kuldeep Suthar
30 posts by Kuldeep Suthar on the WealthTicker blog. Every figure in them comes from the same AMFI, AMC and exchange data the rest of this site shows, dated where it is stated. None of it is investment advice.
Donations and tax: doing good while saving more
02 Oct 2026
How the donation deduction (old Section 80G, now section 133) works in FY 2026-27: the 50% and 100% categories, the 10% cap, the ₹2,000 cash rule and Form 10BE.
TaxPersonal Finance
FIRE in India: what retiring in your 40s really takes
02 Oct 2026
Retiring at 40-45 means a corpus that lasts 45 years. The savings rate, the target multiple and the fund categories that can carry it, with real figures.
RetirementInvesting Strategy
Large & mid-cap funds: a flat year and a wide spread
02 Oct 2026
The median large & mid-cap fund made 0.91% in the year to 1 October 2026; 19 of 33 gained. Three, five and ten-year returns, best, worst and falls.
Fund Returns
The psychology of wealth: why behaviour beats maths
02 Oct 2026
The '80% behaviour, 20% maths' rule of thumb, tested against fund data: the falls you must sit through, the habits that help, and the ones that cost.
Investing StrategyPersonal FinanceStep-up SIP: how a yearly raise builds a bigger corpus
02 Oct 2026
A ₹10,000 SIP in a Nifty 50 index fund from October 2016 grew to ₹19.90 lakh. Raising it 10% a year made it ₹28.67 lakh. What drives the gap.
Investing StrategyPersonal Finance
Term insurance vs endowment: why not to mix them
02 Oct 2026
An endowment plan bundles thin life cover with a 4-6% savings return. Separating the two jobs buys more cover and more growth for the same premium.
Personal FinanceInvesting Strategy
Why every family needs a will, not just nominees
02 Oct 2026
A nominee receives your mutual funds; a will decides who owns them. What happens without a will in India, how to make one, and mistakes that undo it.
Personal FinanceRetirement
Nifty 50 index funds ranked by cost, October 2026
01 Oct 2026
Direct-plan expense ratios on 26 Nifty 50 index funds run from 0.10% to 0.86%. Over a year, the cheapest funds also lost the least to the same index.
Costs & Fees
FIIs sold ₹4.03 lakh crore of Indian shares in 2026
01 Oct 2026
Foreign institutions sold a net ₹4,03,068 crore of Indian shares from January to September 2026, already 31.5% more than in all of 2025. Month by month.
FII & DII Flows
The most expensive equity funds, even on direct plans
01 Oct 2026
The median direct-plan equity fund charged 1.07% a year at the end of September 2026. 21 of 540 charged 2% or more, and the dearest 3.20%.
Costs & Fees
Liquid funds returned 6.46% in a year; overnight 5.26%
01 Oct 2026
Over the year to 30 September 2026 the median liquid fund returned 6.46% and the median overnight fund 5.26%. How close together the funds in each finished.
Debt & Hybrid FundsFund ReturnsNifty Smallcap 250 P/E at 34.1: dearer than 89% of days
01 Oct 2026
The Nifty Smallcap 250 closed at a P/E of 34.05 on 1 October 2026, higher than on 89% of days since 2021 and 1.77 times the Nifty 50. Why it rose.
Market ValuationsSpecialised investment funds so far: 33 strategies
01 Oct 2026
17 SIF brands now run 33 long-short strategies. In September, when the Nifty 50 fell 6.1%, 25 of them fell too, but only one by more than the index.
Fund IndustryFund Returns
The Nifty 50's best and worst days of 2026 so far
22 Sep 2026
Eight of the Nifty 50's ten worst days of 2026 came in March; its best was +3.78% on 8 April. September's slide, to the 21st, looks nothing like March's.
Market Recap
Consumption funds in September 2026: a weak year
08 Sep 2026
The median consumption fund lost 4.22% in the year to 7 September 2026, against 5.60% for the Nifty India Consumption. Over three years only 2 of 13 beat it.
SectorsFund Returns
Mutual fund AUM by category, April–June 2026
26 Aug 2026
Active equity funds held 43.1% of mutual fund assets in April–June 2026 and added ₹1,13,542 crore, most of the quarter's growth. Liquid funds grew 12.6%.
Fund Industry
Largest mutual fund schemes by AUM, April–June 2026
11 Aug 2026
SBI Nifty 50 ETF averaged ₹2,06,968 crore in April–June 2026, still the largest scheme. SBI Liquid jumped from 15th to 9th. The top 15 and who moved.
Fund IndustryDefence funds in July 2026: up 19% this year
30 Jul 2026
The Nifty India Defence was up 19.02% for 2026 on 29 July, with the Nifty 50 down 7.19%. The six defence funds, one active and five passive, against it.
SectorsFund ReturnsSIFs in the first half of 2026: six of seven gained
15 Jul 2026
Six of the seven SIFs that ran through the first half of 2026 gained while the Nifty 50 fell 8.7%. Fourteen strategies launched from mid-April, for 28 in all.
Fund IndustryFund Returns
Gold fell 12.9% and silver 22.4% in June 2026
02 Jul 2026
June 2026 was the worst month in our series for gold (−12.9%) and silver (−22.4%). Over the first half of 2026, gold lost 1.8% and silver 10.5%.
Gold & Silver