Blog
What the numbers said — fund returns and costs, foreign and domestic flows, index valuations, gold and silver — plus tax, retirement and personal-finance basics, written from the same data the rest of this site shows, with the date on every figure.
431 equity schemes sorted by direct expense ratio band
03 Nov 2026
Of 431 equity schemes in the October 2026 TER file, 171 charge direct-plan fees under 1%, 260 charge 1% or more, and 32 charge 2% or more. The full band table.
Costs & Fees
Debt funds: 1-year vs 3-year returns, 15 categories compared
03 Nov 2026
Liquid funds earned 6.43% over one year against 6.88% over three. Long-duration funds earned 0.86% against 5.94%. Median returns of 15 debt categories.
Debt & Hybrid Funds
FIIs sold ₹46,996 crore in October, then bought 3 sessions
03 Nov 2026
Foreign investors were net sellers on 12 of 17 October sessions on record, ₹46,996 crore in all. The last three sessions flipped to ₹7,585 crore of buying.
FII & DII FlowsMarket Recap
Fund overlap and benchmark data by API, for advisors
03 Nov 2026
The WealthTicker API's Pro endpoints return portfolio overlap and fund-vs-benchmark returns year by year. A worked example on Parag Parikh Flexi Cap.
How-To GuidesPortfolio Holdings
Gold is 24% and silver 55% below their January peaks
03 Nov 2026
Gold is ₹11,926 a gram and silver ₹153, both well under January's highs, yet still above where they stood a year ago. Rupee prices as of 2 November 2026.
Gold & Silver
Track mutual funds in Google Sheets with an API
03 Nov 2026
Build a Google Sheets mutual fund tracker that pulls NAV, returns and expense ratio from the WealthTicker API, with one request per refresh on the free plan.
How-To GuidesPersonal FinanceMid-cap funds beat large-cap by 4.8 points a year over 3Y
03 Nov 2026
The median mid-cap fund returned 15.5% a year over three years against 10.7% for large-cap, but its worst fall was 21.2% against 16.4%. Medians of direct plans.
Fund ReturnsInvesting Strategy
Multi-asset funds vs flexi-cap: 13.6% vs 11.9% over 3 years
03 Nov 2026
The median multi-asset fund returned 13.6% a year over three years with a 10.5% worst fall; flexi-cap 11.9% with an 18.5% fall. Hybrid medians compared.
Fund ReturnsInvesting Strategy
Mutual fund category returns by API, for newsletters
03 Nov 2026
One API call returns peer-averaged returns and costs for every SEBI fund sub-category. How to turn it into a monthly table, using 2 November 2026 data.
How-To GuidesFund Industry
Nifty 50 is 11% below its January close; P/E 22.9 to 19.4
03 Nov 2026
The Nifty 50 closed at 23,440.8 on 2 November, 11.0% under its 2 January high of 26,328.55. Earnings multiples fell further than prices, and what that means.
Market ValuationsMarket Recap
Mutual fund NAV history in Python: a worked example
03 Nov 2026
Pull daily mutual fund NAV history into pandas from the WealthTicker API, then reproduce a fund's CAGR, one-year return and maximum drawdown yourself.
How-To GuidesFund Returns
Rupee at ₹94.90: Nifty is down 15% in dollars, 9% in rupees
03 Nov 2026
The dollar now costs 6.9% more rupees than a year ago. The Nifty 50 fell 9.0% in rupees but 14.9% in dollars; gold gained 4.1% in rupees, lost 2.6% in dollars.
Market RecapGold & SilverScreening mutual funds through an API query
03 Nov 2026
Use the WealthTicker API's q expression to screen Indian mutual funds by category, size, cost and returns, with a worked flexi cap screen on 2 November data.
How-To GuidesFund Returns
80TTA vs 80TTB: the deduction on interest income
02 Nov 2026
Savings interest up to ₹10,000 is deductible for most people; seniors get up to ₹50,000 on all deposit interest. Two worked returns, old regime only.
TaxPersonal Finance
Annuity vs SWP on ₹50 lakh: income, inflation, legacy
02 Nov 2026
A 7% annuity pays ₹3.5 lakh a year for life but never rises. An SWP can rise with inflation but may run out. Year counts for each, worked.
Retirement
Carrying forward capital losses: 8 years, one trap
02 Nov 2026
A ₹3 lakh loss can be carried for eight years if you file on time. But it must be used in the first year with gains, even gains that were tax-free.
Tax
Cumulative vs non-cumulative FD: same rate, two results
02 Nov 2026
₹1 lakh at 7% for 5 years earns ₹41,478 cumulative but ₹35,000 as quarterly payouts. Where the gap goes, and when payouts make sense.
Personal Finance
FD renewal risk: a 7% FD renewed at 6% or 5%
02 Nov 2026
₹1 lakh at 7% for 5 years becomes ₹1,40,255. Renewed at 6% for 5 more years it ends near ₹1.88 lakh; at 5%, ₹1.79 lakh, against ₹1.97 lakh if 7% had held.
Investing StrategyPersonal Finance
Health insurance deduction: two ₹25,000 buckets in rupees
02 Nov 2026
How Section 80D's two buckets, for family and for parents, turn into tax saved at the 20% and 30% slabs, with the ₹5,000 check-up trap and the ₹1 lakh ceiling.
TaxPersonal Finance
Home loan interest deduction: the ₹2 lakh cap in rupees
02 Nov 2026
What Section 24(b) saves on a self-occupied home at the 20% and 30% slabs, why two co-owners can claim over ₹2 lakh, and why the new regime gets none.
TaxPersonal Finance