Zerodha or Angel One for your first demat account? A plain-English comparison of costs, apps, mutual funds, support and the downsides of each.
Continue readingAuthor: 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.
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.
Continue readingAngel 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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PPF vs EPF vs NPS (2026): Which One Actually Deserves Your Money?
PPF pays 7.1%, EPF pays 8.25%, NPS pays whatever the market gives you. But for most salaried Indians this is not a three-way choice at all — and the tax break every other article sells you is old-regime only.
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Best Performing Mutual Funds of the Last 5 Years — and Why That List Will Not Help You Pick One (India, 2026)
Chasing the best performing mutual funds of the last five years is the most common beginner mistake in India. Here is what those lists really measure, what the SPIVA data shows, and how to choose a fund instead.
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How to Transfer Money From One Debit Card to Another in India (2026)
You cannot really move money card to card in India. Here is what actually works — UPI, IMPS, NEFT and RTGS — what each costs, and the one request that is always a scam.
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