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.
Continue readingCategory: Categories
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.
Continue reading
NPS in 2026: The New 80% Withdrawal Rule and Whether NPS Is Still Worth It
The pension regulator now lets you take 80% of your NPS corpus as a lump sum instead of 60%. But the tax exemption still stops at 60%, and under the new tax regime most people can no longer claim the deduction NPS is famous for. An honest look at what NPS is worth in 2026.
Continue reading
Emergency Fund in India (2026): How Much You Need and Where to Keep It
How big an emergency fund should be in India, where to park it in 2026, and how to build one when your salary already feels fully spoken for.
Continue reading
Best Savings Account in India (2026): How to Choose Without Chasing the Interest Rate
Most people pick a savings account on the headline interest rate. Here is what actually matters in 2026 — penalties, DICGC cover, slab rates and the tax.
Continue reading
ELSS in 2026: Does Tax-Saving Investing Still Make Sense Under the New Tax Regime?
ELSS only saves tax if you are on the old regime — and the new regime is now the default. An honest 2026 guide to when ELSS still makes sense, how it is taxed, and the four mistakes that cost people money.
Continue reading
CIBIL Score in 2026: How to Check It Free and Actually Improve It
Your credit report now updates weekly. Here is how to check your CIBIL score for free, what really moves it, and how long a genuine fix takes.
Continue reading
Zerodha vs Angel One vs Upstox (2026): An Honest Head-to-Head for Beginners
Zerodha, Angel One or Upstox in 2026? An honest, jargon-free comparison of brokerage, AMC and the charges nobody puts on the landing page.
Continue reading
Health Insurance in India (2026): How Much Cover You Need and What to Check Before Buying
A plain-English 2026 guide to health insurance in India: how much cover you need, the new 0% GST rule, IRDAI waiting-period and cashless changes, and the policy fine print that decides whether your claim gets paid.
Continue reading
How to Start a SIP in India (2026): A Beginner’s Step-by-Step Guide
A plain-English 2026 guide to starting a SIP in India — KYC, choosing a direct plan, how much to invest, the 2026 tax rules, and the honest mistakes to avoid.
Continue reading
Protected by Patchstack