Author: Sudhir Kumar

Sudhir Kumar writes Finostock, a plain-English personal finance site for India. He is the author of "The Boring Path to Wealth: SIP Starter Guide for Indians" (2026) and has spent his career in Indian banking. He is not a SEBI-registered investment adviser and Finostock publishes general financial education only.

How to Start Investing With ₹5,000 a Month in India (2026 Beginner Plan)

A plain-English plan for investing ₹5,000 a month in India: what to sort out first, how to split the money, which account you actually need, and the mistakes that cost beginners most.

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Home Loan Guide for First-Time Buyers in India (2026)

How home loan EMIs really work, what to check before you apply, and legitimate ways to cut lakhs of rupees in interest, explained in plain English.

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Zerodha vs Angel One for Beginners (India, 2026): Which Is Better?

Zerodha or Angel One for your first demat account? A plain-English comparison of costs, apps, mutual funds, support and the downsides of each.

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SBI Cashback Credit Card Review 2026: Is the 5% Still Worth It?

An honest review of the SBI Card Cashback: how the 5% online cashback works, the 2026 caps and exclusions, fees, and who should skip it.

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Angel One Review 2026: Charges, Pros, Cons and Who It Suits

Free to open, zero delivery brokerage, a small AMC after year one. An honest look at what Angel One costs, what irritates users, and who should pick something else.

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Sovereign Gold Bonds Are Gone: Where Should Your Gold Money Go Now? (India, 2026)

SGBs stopped being issued in 2024 and there is still no fresh tranche in 2026. If you already hold them, here is what changed. If you are starting fresh, here is where gold money actually belongs now — ETF, fund, digital or physical — compared honestly on cost, liquidity and tax.

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How to Read a Mutual Fund Factsheet (India, 2026): The 10-Minute Checklist

A mutual fund factsheet has ten things worth reading and one number — past returns — that tells you the least. Category, TRI benchmark, risk-o-meter, the new 2026 BER/TER split, portfolio, and exit load, in ten minutes.

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Your First Salary: The Complete First-90-Days Money Checklist (India, 2026)

Your first payslip comes with no instruction manual. Here is the order of operations: paperwork, understanding your CTC, picking a tax regime, an emergency fund, insurance, a first SIP, a starter credit card, and filing your ITR on time.

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You Just Got a Bonus. Here Is the Order to Spend It In (India, 2026)

A bonus is not a discipline problem, it is a sequencing problem. Tax you may still owe, then high-rate debt, then the emergency fund, then cover, then investing — and roughly a tenth spent guilt-free.

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