What is SIF? Should you invest in SIF?
What Can SIFs Do That Regular Mutual Funds Funds Can’t? SIFs are designed for tactical agility. Depending on the strategy, they can..
What is SIF? Should you invest in SIF? Read More »
Financial Planning
Are you filing the right ITR form? Which ITR should I fill?
Filing your income tax return for FY 2024–25? Choosing the wrong ITR form can lead to refund delays, penalties, or even a defective return notice. This guide breaks down ITR-1 to ITR-4 in simple terms, so you can file confidently and correctly..
Are you filing the right ITR form? Which ITR should I fill? Read More »
Transferring Money to Spouse or Parents: Who Pays the Tax?
But what happens when you transfer money to them for investment purposes? Is the income from those investments taxable in your hands or theirs? Are there any legal implications under the Income Tax Act?
Transferring Money to Spouse or Parents: Who Pays the Tax? Read More »
Opportunity Cost in Personal Finance: The Hidden Cost Influencers Don’t Talk About
You don’t lose wealth only by spending—you lose it every time you choose one financial path without considering the other. That ₹1 lakh phone? It could quietly cost you ₹3 lakhs in future wealth. That’s opportunity cost. And it’s shaping your financial future more than you think..
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How Rate Cuts Affect Your Loans, FDs, and Mutual Funds
When the economy is slow, like low spending, low business activity, or job losses, the RBI may cut rates to make borrowing cheaper, so that more money starts flowing into the system. But if the rate cuts keep happening frequently or go too low, it can..
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Think financial planning is only for the rich?
When most people hear the term financial planning, the first thought that comes to mind is, “That’s for people with a lot of money.” It’s a common assumption – and a dangerous one. A young couple earning ₹30,000-40,000 combined might think saving or investing is not for them. But even a small SIP (Systematic Investment Plan) of ₹1,500/month, if started early, can grow to over..
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