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…
Category: Personal Finance
How much corpus can you create using Sukanya Samriddhi Account after 21 years?
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…
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My mutual funds are falling. I am Worried. What should I do now… (April 2026)?
The stock markets have been bleeding. And the fall in stock prices is also reflected in the fall in NAVs of mutual funds and the value of most investors’ mutual fund portfolios. To be fair, we have now seen a…
Read More My mutual funds are falling. I am Worried. What should I do now… (April 2026)?
No-Return, Flat Markets Are Not a Warning. It’s an Invitation.
If the markets have delivered little to nothing over the past two years or so, the first instinct for most investors (and specifically new ones) is to worry, and wonder if something is broken in the markets. But that is…
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Stay Calm. And Remember God in Good Times & Equities in Bad Times.
The markets have been brutal lately. And if you have been investing in Indian markets, you are probably already feeling it. But is the brutal phase over? No one knows. And with the sharp decline in the recent weeks, and…
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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…
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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