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…
Category: Personal Finance
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%…
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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…
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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…
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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…
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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…
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Important Advisory to All Investors
It has come to our attention that certain fraudulent individuals and groups may be misrepresenting themselves as affiliates of and/or as SEBI-Registered Investment Advisors and soliciting funds on the false promise of assured returns on their investments. They may be…
What is Interest Rate on RBI Floating Rate Bonds (July-December 2025)?
What is the current interest rate of RBI Floating Rate Bonds or FRSB 2020 (T) for the period of July-December 2025? The current or latest interest rate (2025) on RBI Floating Rate Bonds is 8.05% per annum. This is for…
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Bitcoin vs. Ethereum & Can ETH ever Flippen BTC?
Cryptocurrencies are increasingly gaining acceptance and the global level, via governments and institutions. And in this space, Bitcoin (BTC) and Ethereum (ETH) for long, have been the two largest by market cap. In spite of gut-wrenching volatility (which makes them…
Does Bitcoin Have a Role in Future-Proofing a Long-Term Portfolio’s Asset Allocation?
As financial markets world over evolve, investors are increasingly exploring alternative assets to diversify and strengthen their portfolios. Bitcoin, the world’s leading cryptocurrency, has slowly but surely emerged as a compelling option (at least with the younger generation of market…
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Why So Many Think 1-Bitcoin will reach price of Millions of Dollars in Future?
Bitcoin, launched in 2009 as a decentralized digital currency, has evolved from a niche experiment to a global asset with a market cap exceeding $2 trillion. Trading at around $111,000 in Mid-2025, Bitcoin has already defied all its sceptics who…
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Why We Struggle With Randomness in Investing?
Investing in India is a thrilling ride, but it’s one where randomness often calls the shots. Whether it’s the buzz of a bull market or the panic of a crash, the unpredictable nature of markets trips up even the savviest…
Bitcoin’s Increasing Acceptance across Institutions and Geographies
Bitcoin, the decentralised cryptocurrency that started as a tech enthusiast’s experiment in 2009, has quietly grown into something much bigger. Its rise hasn’t been a flashy overnight takeover but a slow, steady spread, finding its way into corporate strategies and…
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Bitcoin at New High of $111,000: Should you Get Excited Now?
A few days back, the world's largest cryptocurrency, Bitcoin, touched a new all-time high of $111,000. This is after the recent tariff-induced selloff. As always happens near the new all-time highs, people on both sides of the Bitcoin debate get…
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PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Apr-Jun 2025
There have been No Changes in the small savings scheme for the quarter of April-June 2025. PPF interest rates - No Change (remains at 7.1%) - Possible reason? Once again, and like last time, do read Why did the PPF…
Read More PPF 7.1% | SCSS 8.2% | NSC 7.7% | Sukanya 8.2% | No Changes for Apr-Jun 2025