Earlier, if you bought Sovereign Gold Bonds (in primary issue or from the secondary market) and held them till maturity (which is 8 years), then all the capital gains at maturity were 100% tax-free. But Budget 2026 has changed this…
Silver 2026 & Beyond – Thoughts
While silver’s bull case (till 1-2 years back) was built on the combination of factors like rising industrial use, supply deficit, undervaluation vs gold, growing geopolitical instability and possibility of precious metals regaining the lost respect vs paper/fiat currency (debasement…
Which Equity Fund Categories Do You Really Need? – Economic Times Wealth (19-Jan-2026)
While each of the more than 10 equity fund categories offered by SEBI have their use cases, not all of them are required by most investors. Given that each category has 15-30 individual schemes to pick from, this confusion gets…
Read More Which Equity Fund Categories Do You Really Need? – Economic Times Wealth (19-Jan-2026)
Quoted (Times Of India) – January 2026 – SCSS at 8.2% – Does it make sense for Senior Citizens?
I was recently quoted in The Times of India in an article titled "At 8.2%, How does SCSS compare with Bank FDs, RBI Bonds, Mutual Funds?" Here is the link to the online version of the article - Link And…
Nifty Give +10.5% in 2025: 10th Consecutive Positive Year!
This will be a very short post. Here is a list of Nifty50 returns during the last 14 years. 2012: +27.7% 2013: +6.8% 2014: +31.4% 2015: - 4.1% 2016: +3.0% 2017: +28.6% 2018: +3.2% 2019: +12.0% 2020: +14.9% 2021: +24.1%…
Read More Nifty Give +10.5% in 2025: 10th Consecutive Positive Year!
What is Interest Rate on RBI Floating Rate Bonds (January – June 2026)?
What is the current interest rate of RBI Floating Rate Bonds or FRSB 2020 (T) for the period of January-June 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 (January – June 2026)?
PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Jan-Mar 2026
There have been No Changes in the small savings scheme for the quarter of January-March 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 Jan-Mar 2026
Is it time to Expand the No. of Stocks in Largecap & Midcap Marketcap Buckets – Economic Times Wealth (17-Nov-2025)
According to existing rules, the top-100 stocks by market capitalisation, i.e. market cap, are designated as large caps; the next 150 as mid caps, and those ranked 251 and onwards as small caps. But in view of the changing landscape…
SEBI Cautions regarding dealing with Unregistered Online Bond Platforms
Recently, SEBI vide a press release (link) has cautioned the Indian public regarding dealing with Unregistered Online Bond Platforms and their providers. As per SEBI's release, there has been a growing number of unregulated online platforms that allow investors to…
Read More SEBI Cautions regarding dealing with Unregistered Online Bond Platforms
SEBI Cautions regarding dealing in so-called ‘Digital Gold’
Recently, SEBI vide a press release (link) has cautioned the Indian public regarding dealing in so-called ‘Digital Gold’. India offers regulated gold investment options like Gold ETFs from mutual funds, erstwhile SGBs (Sovereign Gold Bonds) , and gold derivatives on…
Read More SEBI Cautions regarding dealing in so-called ‘Digital Gold’
Quoted (Economic Times) – Best time to prepay your home loan?
I was recently quoted in the Economic Times in an article titled "Best time to prepay your home loan? 5 tips to save lakhs from your home loan prepayments" Here is the link to the online version of the article…
Read More Quoted (Economic Times) – Best time to prepay your home loan?
Vigilance Awareness Week 2025 (27-Oct to 2-Nov) – “Vigilance: Our Shared Responsibility”
Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme: सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”) As a step towards this initiative, you are encouraged to participate in the e-pledge initiative by visiting the…
Read More Vigilance Awareness Week 2025 (27-Oct to 2-Nov) – “Vigilance: Our Shared Responsibility”
Why Stock Picking Isn’t for Everyone – Economic Times Wealth (20-Oct-2025)
In investing, there are very few things that carry the same allure as picking direct stocks. The potential for outsized market-beating returns, the satisfaction of picking winners, is no doubt tempting, potentially profitable, and glamourous. And the stories of small…
Read More Why Stock Picking Isn’t for Everyone – Economic Times Wealth (20-Oct-2025)
SEBI Launches @Valid UPI Handles and ‘SEBI Check’ Tool for Investor Protection
India's market regulator, the Securities and Exchange Board of India (SEBI), has introduced two major investor-protection measures to combat payment fraud and unauthorised intermediaries in the securities market. These initiatives, announced via a SEBI circular on June 11, 2025, and…
Read More SEBI Launches @Valid UPI Handles and ‘SEBI Check’ Tool for Investor Protection
PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Oct-Dec 2025
There have been No Changes in the small savings scheme for the quarter of October-December 2025. PPF interest rates - No Change (remains at 7.1%) - 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 Oct-Dec 2025