Tax on Mutual Fund Returns — Equity and Debt Funds India (FY2025-26)
Mutual funds are the most popular investment vehicle for Indian retail investors. But most SIP investors have no idea how their returns will be taxed at…
Atmabhan Pandit
Founder, TWIST POOL Labs | TAC Research | First-principles finance educator.
How to File ITR for Stock Market Income in India
Most investors know they must pay capital gains tax. Far fewer know exactly which ITR form to use, which schedule to fill, and how to report F&O losses.…
Capital Gains Tax in India — STCG and LTCG Explained (FY2025-26)
You sell a stock for a profit. The government wants a share. The question is: how much, when, and on which assets? Getting this wrong costs real money.…
Term Insurance vs Endowment Plan — Which is Better in India?
Insurance agents are incentivised to sell you the product that pays them the highest commission. Spoiler: that is rarely the product that is best for your…
NPS vs PPF vs EPF — Retirement Savings Compared for Indians
Every salaried Indian contributes to EPF. Every tax-savvy investor opens a PPF. And NPS remains the most underused government retirement scheme. Here is…
Joint Account vs Separate Accounts for Indian Couples — What Works Best
Money is the leading cause of marital conflict in India. Not because couples have too little — often because they have too little transparency and too…
Health Insurance vs Mediclaim — How to Choose in India
Many Indians use "health insurance" and "mediclaim" interchangeably. They are not the same. The difference matters when you are admitted to a hospital and…
Gold vs Stocks vs FD vs Real Estate — Where to Invest in India?
Every family dinner has this argument: "Real estate is the only real investment." "Gold never fails." "FDs are safe." "Stocks are gambling." They cannot…
Financial Mistakes Every Indian in Their 20s Must Avoid
Your 20s are the decade where money habits are formed and compound interest either starts working for you or against you. The mistakes made between 22 and…
How to Set Financial Goals — SMART Framework for Indian Investors
"I want to save more money" is not a financial goal. It is a wish. A financial goal has a number, a date, and a plan. Without those three elements, it…
How to Get Out of Debt Fast in India — Avalanche vs Snowball Method
Debt is the opposite of compounding. While your investments grow at 12%, your credit card debt grows at 36–42%. Every month you carry high-interest debt…
Power of Compounding — Real Indian Examples with Numbers
Albert Einstein may or may not have called compounding the eighth wonder of the world. But every person who has watched a small SIP become a crore-plus…