Investment Education
How Inflation Affects Your Savings
How inflation is measured in India, the difference between nominal and real returns, the effect of tax, and how time horizon shapes your savings.
· 5 min read
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16 results for “tax saving”
Banking
Savings Account vs Fixed Deposit: Which Should You Use, and When?
How savings accounts and fixed deposits differ on interest, liquidity, premature withdrawal, tax and DICGC deposit insurance, with a worked example and when to use each.
· 7 min read
Tax and GST
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
How the Public Provident Fund Works in India
How the Public Provident Fund works in India: tenure, yearly limit, interest, withdrawals, tax treatment and who it suits.
· 5 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
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
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 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
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
How Loan Prepayment and Foreclosure Work
What loan prepayment and foreclosure mean in India, how extra payments change interest, typical charges, and what to check in your sanction letter.
· 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 an RBI Monetary Policy Statement
How to read an RBI monetary policy statement: repo rate, stance, CPI target, what changes in EMIs and deposits, and how to ignore noise around the announcement.
· 6 min read
What Asset Allocation Means for Beginner Investors
What asset allocation means for beginners in India, how it differs from diversification, and how time horizon shapes the mix.
· 4 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
Common Personal Finance Mistakes and How to Avoid Them
Twelve common money mistakes in India, from skipping an emergency fund to paying only the credit card minimum, and practical ways to avoid each one.
· 6 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