From the desk
Blog
Short, formula-first notes on Indian money decisions.
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PPF or NPS for the next 15 years
PPF is EEE, capped at 1.5 lakh a year, 15-year lock, rate reset by the government. NPS is the engine: equity up to 75% […]
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GST in five minutes, without the portal
If a quote says 10,000 + GST, the customer pays 11,800 at 18%. If a shelf price is GST-inclusive, the tax inside that 11,800 […]
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New vs old tax regime, FY 2025–26
The new regime now starts taxing only after 4 lakh, with a rebate that makes tax nil up to 12 lakh of taxable income, […]
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How an EMI is really built
EMI = P x r x (1+r)^n / ((1+r)^n – 1). The only number most of us see is the monthly debit. Hidden inside […]
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SIP or lumpsum — which one actually wins?
If you already have the money, a lumpsum in a diversified equity fund has historically beaten a SIP of the same amount dribbled in […]
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