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37 pages
What is a SIP? The ₹5,000-a-month habit that builds real wealth
How a Systematic Investment Plan actually works, what a market fall does to your units, and why starting matters more than the amount.
Read the lesson →What is CAGR? The only honest way to compare two investments
“This fund doubled in 5 years” sounds great — until you check the CAGR. Learn the one number that makes every comparison fair.
Read the lesson →Why market falls are actually good news for SIP investors
Every fall in Indian markets looked like a crisis at the time — and every one of them recovered. Here’s what history teaches.
Read the lesson →Emergency fund: how much money is enough?
The 6-month rule, where to keep the money, and the three mistakes that defeat the whole purpose.
Read the lesson →Old vs new tax regime: the one-calculation answer
Slabs, standard deduction, who keeps 80C — and the 60-second subtraction that settles it.
Read the lesson →Capital gains tax on mutual funds, minus the jargon
12.5% above ₹1.25 lakh, 20% short-term, and what the 2024 Budget changed.
Read the lesson →PPF vs ELSS vs tax-saver FD: the 80C three-way
Same tax saved today — very different money tomorrow. The full comparison in one table.
Read the lesson →What is a demat account? Your financial locker
What it holds, the 15-minute opening, and whether you actually need one.
Read the lesson →What is NAV? The price tag on one fund unit
Why a ₹10 NAV is not cheaper than ₹500 — and the one trap every new investor falls into.
Open →Expense ratio: the fee that quietly compounds
What 1% really costs over 20 years — and the direct-vs-regular difference nobody shows you.
Open →Index funds vs active funds: the honest trade-off
What the scorecards say about beating the Nifty — and who actually suits each.
Open →Types of mutual funds: the whole menu on one page
Equity, debt, hybrid, ELSS, gold — which fund serves which goal, without jargon.
Open →ELSS: the tax-saver with the shortest rope
80C deduction, the 3-year lock-in, and when ELSS actually beats PPF for you.
Open →XIRR vs CAGR: one number per job
Why SIP returns need XIRR — and why comparing it to CAGR misleads.
Open →What is a share? A slice of a real business
Ownership, dividends, and why the price moves every second even when the business doesn't.
Open →Nifty and Sensex: the market's thermometers
How the two most-quoted numbers in India are built — and how to read their headlines.
Open →Market cap: what large, mid and small actually mean
The one ranking behind every fund label — drawn by rank, not rupees.
Open →What is an IPO? A company's first day on the market
Price bands, allotment lotteries, and the grey-market premium trap.
Open →How to read a stock quote without guessing
OHLC, volume, spreads and P/E — every field on the screen, decoded.
Open →What is a commodity market? Gold, oil and wheat prices
MCX, spot vs futures, and why farmers and airlines need this market.
Open →Why gold prices move: the five real drivers
Real rates, the dollar, central banks, inflation, fear — and the rupee's hidden lever.
Open →Silver: gold's moodier industrial cousin
Why silver swings harder, what moves it, and the ways Indians can hold it.
Open →How to buy gold: five ways, one honest comparison
Jewellery vs coins vs digital vs ETF vs bonds — costs, taxes and the verdict.
Open →Sovereign Gold Bonds: the best gold deal, with a catch
2.5% interest on gold, why fresh issues stopped, and the 2026 tax change.
Open →EMI Calculator
Monthly EMI, total interest and full cost of any loan — or how much loan a budget buys.
Open →NPS explained: India's retirement account, minus the jargon
How Tier-I works, the ₹2 lakh tax stack, the 60:40 exit rule, and who should actually use it.
Read the lesson →What is a credit score? The 3-digit number that prices your loans
How CIBIL's 300–900 scale works, the five factors that move it, and how to get above 750.
Read the lesson →What is health insurance? The one bill that protects every other rupee
Sum insured, cashless claims, waiting periods, the 60-month moratorium and the 80D deduction — decoded.
Read the lesson →FD Calculator
Fixed deposit maturity the honest way — cumulative growth or monthly payout.
Open →PPF Calculator
What yearly PPF deposits become over 15+ years — tax-free to the last rupee.
Open →SIP Calculator
Monthly, step-up and lump-sum — what a SIP could grow into, year by year.
Open →CAGR Calculator
The honest yearly growth rate behind any start and end value.
Open →SWP Calculator
How long a corpus lasts with a monthly withdrawal — fixed or inflation-adjusted.
Open →Lumpsum Calculator
What a one-time investment becomes — or what to invest today for a goal.
Open →Compound Interest Calculator
Watch a lump sum grow — compound vs simple interest, side by side, year by year.
Open →Market News
Today's Indian and global markets, commodities, gold and silver — in plain English.
Open →About Indian FM Insights
Who writes these lessons, and the promise behind them: plain English, no selling.
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