Personal Finance
CTC vs Take-Home Salary in India
How CTC differs from take-home salary in India: typical deductions, why in-hand is lower, and how to budget from the amount that actually arrives.
· 5 min read
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15 results for “salary”
Tax and GST
How to Read Form 16
How to read Form 16 in India: Part A and Part B, TDS, exemptions, and how to match it with Form 26AS before filing.
· 4 min read
Loans and Credit
How a Loan EMI Is Calculated
How a loan EMI is calculated in India, why early EMIs are mostly interest, and how tenure and rate change what you repay.
· 4 min read
How Bank Account Nomination Works in India
How nomination on Indian bank accounts works, what a nominee can do, how it differs from a will, and how to add or change a nominee.
· 5 min read
How Recurring Deposits Work
How a recurring deposit works in India, how interest is applied, how RDs differ from FDs and SIPs, and what to check on tenure, TDS and premature closure.
· 6 min read
How Term Life Insurance Works in India
How term life insurance works in India: what it pays, exclusions, sum assured and tenure, medical underwriting, nominees, and how a claim is filed.
· 6 min read
How to Read Form 26AS and the Annual Information Statement
How to read Form 26AS and AIS in India: TDS credits, reported transactions, mismatches, and the checks to make before you file your income tax return.
· 6 min read
How to Set Financial Goals in India
Turn vague money wishes into dated rupee amounts, with Indian examples for EMIs, school fees, festivals, emergency savings and retirement.
· 6 min read
What Diversification Means for Beginner Investors
What diversification means for beginners: spreading risk across assets, issuers and time, why similar funds do not diversify, and what diversification cannot do.
· 5 min read
Basics of Income Tax in India
A beginner's guide to income tax in India: heads of income, old vs new regime, slab calculation with examples, TDS, AIS, advance tax, ITR filing and GST basics.
· 8 min read
Emergency Funds: How Much Should You Save?
How to size an emergency fund for your household in India, why three to six months is only a starting point, and where to keep the money safely.
· 6 min read
How Credit Scores Work in India
How credit scores work in India: the four credit bureaus, what affects your score, free annual reports, common myths and how to dispute errors.
· 7 min read
How to Create a Monthly Budget in India
A practical, step-by-step guide to building a monthly budget in India, with a worked example, sinking funds for annual expenses and the limits of popular budgeting rules.
· 7 min read
How to Read a Bank Statement
How to read an Indian bank statement: value date vs transaction date, codes like NEFT, IMPS, NACH and POS, and what to do about unknown debits.
· 7 min read
Understanding SIP and Mutual Fund Investing
A beginner's guide to mutual funds and SIPs in India: NAV, fund categories, direct vs regular plans, costs, risks, rupee cost averaging and tax.
· 8 min read