Between Sep-2022 and Sept-2024, the Nifty50 delivered four straight half-years of strong returns: 1.5%, 11.6%, 12.0% and 13.5%. Many investors quietly rebased their expectations, treating double-digit gains every six months as the norm (and their right!) rather than the exception.…
Read More Sept2022-24 vs Sept2024-26 Nifty Returns: Wrong Expectations Being Righted?
Every 3 months, around the last day of March, June, September and December, the Finance Ministry puts out a short notification about the interest rates of the small savings scheme. People treat that circular as if someone in the govt.…
Read More How Indian Govt. sets Small Savings Interest Rates each Quarter?
There have been No Changes in the small savings scheme for the quarter of October-December 2026. PPF interest rates - No Change (remains at 7.10%) Sukanya Samriddhi Yojana rates - No Change (remains at 8.20%) Senior Citizen Savings Scheme or…
Read More PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Oct-Dec 2026
Almost every investor knows they should stay invested when markets fall. Ask them, and you will get the textbook answer: think long term, don't panic, keep the SIPs running. But knowing is one thing, and doing is another. Take the…
Read More Knowing What To Do Is Not the Same as Doing It When Markets are Falling
The IRDAI consultation paper, Recalibrating Economics of Insurance Distribution (September 2026), has sent serious shockwaves through the banking and agent community. It proposes curbs on mis-selling and a reset of distribution commissions. To be fair, everyone knows how the commission…
Read More IRDAI finally targets the Real problem in insurance – Commission (& Mis-Selling)
If you have already made a decent amount of money (via a business that worked, a long career that paid well, or a chunky ESOP), then there is an assumption that follows you around. That the judgement which helped you…
You are neither too young, nor too old. Your children’s higher education is just a few years away. Your old parents increasingly need support, not just medical and emotional but sometimes financial. Plus you are either repaying a loan or…
The moment someone’s portfolio crosses a few crores, the phone calls change. The humble Agent or Relationship Manager, now becomes (better-sounding) Wealth Manager or Private Banker. Sadly, that is not where this ends. In fact, it is the start. Specially…
What is the current interest rate of RBI Floating Rate Bonds or FRSB 2020 (T) for the period of July-December 2026? The current or latest interest rate (2026) on RBI Floating Rate Bonds is 8.05% per annum. This is for…
Read More What is Interest Rate on RBI Floating Rate Bonds (July – December 2026)?
There have been No Changes in the small savings scheme for the quarter of July-September 2026. PPF interest rates - No Change (remains at 7.10%) - Possible reason - I wrote this a while back. May still be applicable -…
Read More PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Jul-Sep 2026
When EPFO recently announced that PF withdrawals would soon be possible via UPI and ATM cards, i.e., you get instant access to your retirement(!) money, it sounded like a welcome move for many. But while this EPFO 3.0 reform does…
Chasing higher returns is a good aim to have. But you should not depend on it. Investing More is far more important than Chasing Higher Returns by taking higher risks. Doesn't sound obvious, but it is. I write about this…
Read More Investing MORE vs. Chasing Higher Returns – Economic Times Wealth (15-Jun-2026)
Sukanya Samriddhi Yojana account gives 8.2% per annum. As per rules, the account matures in 21 years (from the date of account opening, and not at the girl’s age of 21). Also, you can only make investments for the first…
Read More How much corpus can you create using Sukanya Samriddhi Account after 21 years?
The Indian PASSIVE fund space has a problem now - hyper ACTIVEness. The explosion in the no. of passive fund options launched by AMCs has made the erstwhile quiet corner of passive investing into something of a noisy park. And…
Read More Passive Investing Has a Noise Problem – Economic Times Wealth (18-May-2026)
The earlier you start, the less you need to invest. But if you start late in your 40s, you don't have the comfort of comforting math. You need to save more. A lot more. My column in Economic Times Wealth…
