Recently, my thoughts on ULIPs and why they should be avoided (even by HNIs) were published on Morningstar (India). In this one, I try to clear the air about the recent change in taxation of maturity amount of ULIPs and why…
Read More Why ULIPs are not a great investment? (My column in Morningstar)
For Index funds, is Sensex better than Nifty? Or Nifty is better than Sensex for index funds in India? Let's discuss this in a bit more detail here. Nifty and Sensex represent the most popular and widely tracked Indian stock…
Read More Sensex Vs. Nifty: Difference & which to choose for passive Index Funds (2025)?
The Budget 2021 has proposed that from April 2021, interest on any contribution above Rs 2.5 lakh per year in PF will be taxed. There is some confusion among a few people that will this rule also apply to the…
Read More Is taxable PF interest (Rs 2.5 lakh) rule applicable to PPF?
There are tons of mutual fund categories in India now. Due to the recently announced changes in the new Multi-Cap fund allocation rules, there has been some confusion among investors with reference to the differences between Dynamic Asset Allocation funds…
Read More Dynamic Asset Allocation Vs. Multi-Asset Vs. Multi-Cap Funds: Differences
Did you know that the Top 20 HNI account holders have about Rs 825 crore in their EPF accounts. And that one of the highest contributors has more than Rs 103 crore in his EPF account followed by two HNIs…
To answer the question very simply, from 1st February 2021, whenever you invest in any mutual fund scheme, then you will get the NAV of the day when the invested amount actually reaches AMC’s bank account, and not the day you invest…
Read More Which date NAV is applicable for purchase of mutual funds?
The Budget 2021 changed the EPF interest taxation rule (details here). Now if the employee contribution to PF (via EPF and/or VPF) exceeds Rs 2.5 lakh in a year, then the interest on the additional amount (above Rs 2.5 lakh)…
Read More Should you still invest more than Rs 2.5 lakh in EPF?
So after the new announcement in Budget 2021, that ULIPs will be taxed liked MFs if annual premium exceeds Rs 2.50 lakh and hence, ULIPs no longer offer the tax arbitrage that was pushed by ULIP sellers till now. Just…
Read More ULIP vs Mutual Funds: ULIPs lose tax arbitrage (Budget 2021)
The Union Budget 2021 has capped the tax exemption for interest earned on Employees Provident Fund (EPF) and Voluntary Provident Fund (VPF). This might not be welcome news for high-earners and more so for those whose (employee) contribution was more…
Read More EPF Interest on contributions above Rs 2.5 lakh per year now taxable!
The Union Budget 2021-22 has removed the disparity between taxation of ULIPs and mutual funds. At least to a very large extent. The Budget 2021 has withdrawn the tax-free status for maturity amount on fresh ULIP purchases if the annual…
Read More Maturity proceeds of ULIP with Rs 2.5 lakh annual premium to be Taxed
Almost everyone in India wants to have a house of their own someday. But strong desires alone are not sufficient for this. One needs to have the money to back this decision. And given the sky rocketing property prices in…
Read More Home Loan Tax Deduction Benefits (2025: All You Need to Know)
In a good news for senior citizens above the 75 years of age, the in the Union Budget 2021 has announced that no income tax filing (ITR Filing) will be required for seniors citizens above 75 years of age and…
Read More No ITR filing for senior citizens above 75 years with only pension, interest (Budget 2021)
(Updated - February 2022) The Budget 2022 left the direct taxes unchanged. So the restructuring of the income tax slabs undertaken in the earlier budget (more details here) remains as it is. Budget 2021 had put in place a new…
Read More Latest Income Tax Slabs FY2022-23 AY2023-24 (Budget 2022)
There are several international funds available in India via different AMCs. As the name suggests, these International funds are primarily equity funds that invest in stocks of foreign companies listed outside of India. These are also known as Overseas Funds…
Read More List of International Funds in India (Updated 2025)
The new budget is around the corner. The one for FY2021-22. So I thought I would just loud think what a common man will desire from the budget. Many of the suggestions in the article might seem to far fetched…
