The markets have been brutal lately. And if you have been investing in Indian markets, you are probably already feeling it. But is the brutal phase over? No one knows. And with the sharp decline in the recent weeks, and…
Read More Stay Calm. And Remember God in Good Times & Equities in Bad Times.
Retirement has rightly been called the Nastiest Problem in Finance. There are so many variables at play and the fact that you get just one shot at retirement, it is incredibly critical to get it right. Or else, I am…
Recently, SEBI issued a comprehensive circular on 26th February 2026 (link), making several big changes to the mutual fund categorisation framework. There is actually a lot in that circular, but I wanted to focus on one thing specifically – which…
Unless you belong to the ultra-rich category, having health insurance is a must here in India. And more so if you are nearing retirement. The reason is that the chances of developing medical issues increase with age, and hence, you…
Earlier, if you bought Sovereign Gold Bonds (in primary issue or from the secondary market) and held them till maturity (which is 8 years), then all the capital gains at maturity were 100% tax-free. But Budget 2026 has changed this…
While silver’s bull case (till 1-2 years back) was built on the combination of factors like rising industrial use, supply deficit, undervaluation vs gold, growing geopolitical instability and possibility of precious metals regaining the lost respect vs paper/fiat currency (debasement…
While each of the more than 10 equity fund categories offered by SEBI have their use cases, not all of them are required by most investors. Given that each category has 15-30 individual schemes to pick from, this confusion gets…
Read More Which Equity Fund Categories Do You Really Need? – Economic Times Wealth (19-Jan-2026)
I was recently quoted in The Times of India in an article titled "At 8.2%, How does SCSS compare with Bank FDs, RBI Bonds, Mutual Funds?" Here is the link to the online version of the article - Link And…
This will be a very short post. Here is a list of Nifty50 returns during the last 14 years. 2012: +27.7% 2013: +6.8% 2014: +31.4% 2015: - 4.1% 2016: +3.0% 2017: +28.6% 2018: +3.2% 2019: +12.0% 2020: +14.9% 2021: +24.1%…
Read More Nifty Give +10.5% in 2025: 10th Consecutive Positive Year!
What is the current interest rate of RBI Floating Rate Bonds or FRSB 2020 (T) for the period of January-June 2026? The current or latest interest rate (2026) on RBI Floating Rate Bonds is 8.05% per annum. This is for…
Read More What is Interest Rate on RBI Floating Rate Bonds (January – June 2026)?
There have been No Changes in the small savings scheme for the quarter of January-March 2026. PPF interest rates - No Change (remains at 7.10%) - Possible reason - I wrote this a while back. May still be applicable -…
Read More PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Jan-Mar 2026
According to existing rules, the top-100 stocks by market capitalisation, i.e. market cap, are designated as large caps; the next 150 as mid caps, and those ranked 251 and onwards as small caps. But in view of the changing landscape…
Recently, SEBI vide a press release (link) has cautioned the Indian public regarding dealing with Unregistered Online Bond Platforms and their providers. As per SEBI's release, there has been a growing number of unregulated online platforms that allow investors to…
Read More SEBI Cautions regarding dealing with Unregistered Online Bond Platforms
Recently, SEBI vide a press release (link) has cautioned the Indian public regarding dealing in so-called ‘Digital Gold’. India offers regulated gold investment options like Gold ETFs from mutual funds, erstwhile SGBs (Sovereign Gold Bonds) , and gold derivatives on…
Read More SEBI Cautions regarding dealing in so-called ‘Digital Gold’
I was recently quoted in the Economic Times in an article titled "Best time to prepay your home loan? 5 tips to save lakhs from your home loan prepayments" Here is the link to the online version of the article…
Read More Quoted (Economic Times) – Best time to prepay your home loan?
