Personal Finance
Budgeting, emergency funds, insurance, credit and planning for life's big events.
The 50/30/20 rule: budgeting for people who hate budgets
02 Oct 2026
Split take-home pay into needs, wants and savings with three numbers instead of a spreadsheet. How it works on an Indian salary, and where to adjust it.
Personal Finance
Credit card rewards without the debt trap
02 Oct 2026
A card that is paid in full is a free 50-day loan with rewards. One that revolves costs about 42% a year. How to keep a card on the right side of that line.
Personal Finance
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
Money plans for marriage, kids and a first home
02 Oct 2026
Three life events, three different time horizons. How to set up money after marriage, invest for a child, and save a home down payment without the wrong fund.
Personal FinanceInvesting Strategy
Day trading in India: career or gambling? The F&O data
02 Oct 2026
SEBI found 87.7% of individual F&O traders lost money in FY26, ₹91,685 crore in all. What the numbers, costs and tax rules say about trading for a living.
Investing StrategyPersonal Finance
Fractional real estate: pros, cons and regulatory risks
02 Oct 2026
Fractional platforms sell slices of office buildings from ₹10 lakh. What SEBI's SM REIT rules changed, what you really own, and the risks to check.
Investing StrategyPersonal Finance
Gift tax in India: when money from family is taxable
02 Oct 2026
Gifts from relatives are tax-free in any amount; from others, over ₹50,000 a year, all of it is taxed. Who counts as a relative, and the clubbing trap.
TaxPersonal Finance
Health insurance super top-ups, explained
02 Oct 2026
A super top-up adds large health cover above a deductible at a fraction of a base policy's cost. How the aggregate deductible works, and where it fails.
Personal FinanceTaxHow inflation eats your savings
02 Oct 2026
Retail inflation was 4.82% in August 2026. What that does to cash, FDs and liquid funds after tax, and which assets have kept ahead, as of 1 October 2026.
Personal FinanceInvesting StrategyHUF: how a joint family can save tax
02 Oct 2026
A Hindu Undivided Family is a separate taxpayer with its own slabs and deductions. How it saves tax, where its money must come from, and what it costs to undo.
TaxPersonal FinanceJust retired? A financial checklist for year one
02 Oct 2026
Year one of retirement sets up the next thirty. A month-by-month checklist: park the lump sum, build an income floor, fix tax and insurance, then invest.
RetirementPersonal Finance
Beyond 80C: tax deductions salaried people miss
02 Oct 2026
80C is full for most salaried people before they invest a rupee. The smaller deductions that still cut tax in FY 2026-27, and which survive the new regime.
TaxPersonal FinanceLifestyle inflation: why high earners stay broke
02 Oct 2026
Every raise that turns into spending is a SIP you never started. What ₹10,000 a month did in flexi-cap funds over ten years, and how to keep raises.
Personal FinanceInvesting Strategy
Old vs new tax regime: which saves more in FY 2026-27?
02 Oct 2026
The deductions you need before the old regime beats the new one, at seven salary levels for FY 2026-27, and why most salaried people now stay new.
TaxPersonal FinanceIs P2P lending safe? Returns vs risks explained
02 Oct 2026
P2P platforms advertise double-digit returns on unsecured loans. RBI's 2024 rules ban assured returns and early-exit promises. What the yield pays for.
Personal FinanceDebt & Hybrid Funds
Selling property: how to reinvest and save tax
02 Oct 2026
The tax on a property sale for FY 2026-27, the 12.5% vs 20%-indexed choice, and the three reinvestment routes that shelter the gain: a house, bonds, or both.
TaxPersonal Finance
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 FinanceReal estate vs mutual funds: comparing true returns
02 Oct 2026
A flat's headline price gain hides stamp duty, low rent, upkeep and selling costs. How to compare it fairly with a mutual fund, with worked numbers.
Investing StrategyPersonal FinanceREITs: commercial real estate with small capital
02 Oct 2026
A REIT unit gives you a slice of rented office parks or malls for the price of one unit. How REITs work in India, what they pay and the risks.
Investing StrategyPersonal FinanceHow much money do you need to retire comfortably?
02 Oct 2026
A retirement corpus starts from your spending, not a round crore. Worked example, the real return each fund category has earned, and what to subtract.
RetirementPersonal Finance