Money Guides
Every guide answers one real question with worked numbers and cited sources. No filler, no product pushing.
New vs Old Tax Regime (FY 2026-27): Which Saves You More?
The break-even deductions math, who should still pick the old regime, and why most salaried people under ₹12.75 lakh pay zero tax in the new one.
2026-07-26
How to Start Your First SIP: A Step-by-Step Guide
KYC to first instalment in under a week — choosing a platform, direct vs regular plans, picking a date, and the mistakes first-timers make.
2026-07-26
PPF vs ELSS: Where Should Your Long-Term Money Go?
Guaranteed 15-year compounding vs market-linked 3-year lock-in — returns, tax treatment, and why the new regime changes this comparison.
2026-07-26
Emergency Fund: How Much Is Enough (and Where to Keep It)
The 6-month expenses math for Indian salaried households, and the right parking spots — sweep-in FDs, liquid funds, and what to avoid.
2026-07-26
Credit Score Basics: What Moves Your CIBIL Score
What the 300–900 number actually measures, the five factors that move it, how to check it free, and realistic timelines to repair it.
2026-07-26
ITR Filed? What the Intimation u/s 143(1) Actually Means
The email everyone gets after filing — how to open it, read the two-column comparison, and what to do about a refund or a demand. It is not a scrutiny notice.
2026-08-27
Gold Above ₹1.4 Lakh: SGB vs ETF vs Physical — What Still Makes Sense
New SGB tranches are discontinued — so what now? Secondary-market SGBs, gold ETFs, and physical gold compared on cost, tax, and liquidity at record prices.
2026-08-27
Sweep-In FD Explained: FD Returns with Savings-Account Access
How auto-sweep actually works — thresholds, unit breaking, the interest math when an FD unit is broken early, and where it fits in your emergency fund.
2026-08-27