Learn finance
Short, India-relevant guides — no paywall, no fluff. Pick a category or browse everything.
- Tax
Indian Income Tax Explained Simply (FY 2025-26)
FY vs AY, ITR forms, tax slabs, 87A rebate, TDS (Form 16/AIS/26AS), and old vs new regime — beginner guide for India.
11 min read
- Basics
What is compound interest and why it changes everything
Formula, a rupee example, and how compounding shows up in mutual funds — explained simply.
8 min read
- Tax
Old vs New Tax Regime (FY 2025-26) — Which saves more?
A practical decision guide: deductions that matter (80C/80D/HRA/24(b)/NPS), proof checklist, and quick examples.
14 min read
- Insurance
Term insurance vs endowment — why most Indians buy wrong
Cover loans, education, buffers, and income replacement — but keep the premium small enough that you never have to lapse.
10 min read
- Investment
What Is an Index Fund and Why It Beats Most Mutual Funds
SPIVA data, expense ratios, and a ₹7.5 lakh fee example — why copying Nifty 50 often beats stock-picking after costs.
8 min read
- Loans
How Your CIBIL Credit Score Is Calculated — The Complete 2026 Guide
India’s CIBIL score is a 300–900 number. Know how payment history, utilisation, mix, and inquiries shape approvals and loan pricing.
12 min read
- Basics
Emergency fund — how much, where to keep it (India guide)
Plan up to 12 months of essential expenses — life-stage examples for bachelor to married with kids and dependents, plus where to park the money safely.
11 min read
- Investment
SIP vs Lumpsum — When to Use Which (With Real Indian Market Examples)
Same rupees, different paths: highs favour SIP discipline; deep crashes can favour lumpsum — plus STP hybrid rules.
11 min read
- Tax
How Home Loan Tax Benefits Work — Section 80C and 24B Explained Simply
Principal vs interest, possession rules, joint-owner stacking, and why under-construction EMIs can disappoint.
11 min read
- Basics
Why the 50-30-20 Rule Fails Indians — Finkoin's 40-20-10-30 Framework
US-born 50/30/20 ignores India’s inflation, weak safety nets, and slow real wage growth — use a India-first bucket model instead.
12 min read
- Tax
PPF vs ELSS for Tax Saving — The Honest Answer (Not What Your Bank Wants You to Hear)
Same ₹1.5L 80C box — very different risk, lock-in, and post-tax wealth outcomes.
11 min read
- Basics
Understanding Inflation and Your Real Returns — What Your Money Is Actually Worth
CPI April 2026 ~3.48% headline vs 5–6% history, basket inflation, Rule of 72, and post-tax FD reality.
11 min read
- Tax
Section 80C Limit Is Just ₹1.5L — Here Are All the Deductions Beyond It
Map 80D, NPS ₹50k (80CCD(1B)), 24B, 80E, and 80TTA/80TTB — old regime stacking can save serious tax.
10 min read
- Insurance
What Is a Family Floater Health Plan and Is It Right for You?
Shared sum insured vs individual policies, super top-ups, medical inflation, and parents cover.
10 min read
- Loans
Fixed vs Floating Home Loan — Which Saves More Money in India (With Math)
Repo-linked floating vs teaser-fixed, 20-year ₹50L illustration, prepayment edge, and cashflow stress tests.
11 min read
- Property
RERA Basics Every Indian Home Buyer Must Know Before Signing Anything
Registration, escrow discipline, carpet area, delay remedies, and what RERA cannot fix.
10 min read
- Investment
What Is Asset Allocation and Why It Is the Most Important Investment Decision
Equity/debt/gold splits beat stock-picking for most Indians — plus a simple India sleeve template.
10 min read
- Basics
The Credit Card Minimum Payment Trap — How Banks Make You Pay 3X the Price
Revolving APR, lost grace periods, cheaper ways out, and the one habit that fixes it.
10 min read
- Tax
NPS vs EPF — Which Is Better for Your Retirement? (Real Numbers Compared)
Employer match, EPS split, 80CCD(1B), annuity rules, and why job-change EPF withdrawals destroy compounding.
11 min read
- Investment
Gold as Investment — Myths Busted and When Gold Actually Makes Sense
Jewellery spreads, SGB vs ETF vs digital gold, and why 5–10% is usually enough.
10 min read
- Loans
Home Loan Prepayment — Should You Reduce EMI or Tenure? (With Edge Cases)
Illustrative ₹50L math, when EMI cut wins, prepayment timing, and the Section 24B trade-off.
11 min read
- Property
Capital gains when you sell property
Holding period, improvements, and exemptions decide the final bill.
5 min read
- Tax
STCG vs LTCG on equity in India
Holding clocks start on dates that changed across Finance Acts — track your grandfathering.
5 min read
- Investment
Diversification vs diworsification
Owning everything is not the same as understanding anything.
4 min read
- Basics
Nominee vs legal heir — know the difference
Nomination is temporary custody, not inheritance by itself.
4 min read
- Loans
Top-up home loan — when it makes sense
Cheaper than personal loans if discipline exists — disastrous if treated as pocket money.
4 min read
- Property
Under-construction vs ready property
GST stages, funding risk, and yield trade-offs differ.
5 min read
- Insurance
OPD cover in health insurance
Out-patient benefits are tempting but watch sub-limits and utilization friction.
4 min read
- Investment
Liquid and overnight mutual funds
Near-cash sleeves for treasuries — not replacements for multi-year goals.
4 min read
- Tax
Form 16 — what to verify before filing ITR
Employer summaries still go wrong — cross-check with salary slips.
4 min read
- Tax
Section 80C — complete guide to tax-saving investments
ELSS, PPF, EPF, LIC, tuition fees, and home-loan principal share one ₹1.5 lakh basket — allocate wisely.
10 min read
- Tax
HRA exemption — metro rules, rent proofs, and pitfalls
Least-of-three math, PAN quoting, and why Form 16 rarely matches back-of-envelope rent guesses.
9 min read
- Tax
NPS tax benefits — 80CCD layers employers rarely explain
Employee voluntary, employer contribution, and extra ₹50k window — three different stories.
8 min read
- Tax
RSU & ESOP taxation in India — vesting vs selling
Perquisite tax at vest, capital gains at sale, and why cash flow shocks ignore your spreadsheet.
10 min read
- Tax
Hidden tax savings on your salary slip
Professional tax, employer NPS, gadget allowances, and LTA hygiene most spreadsheets skip.
8 min read
- Tax
Tax planning calendar — month-by-month for Indian FY
April proofs, September ELSS, January AIS hygiene, March madness avoided.
7 min read
- Property
Rent agreement registration basics
Stamp duty and term clauses differ by state — HRA claims need consistency.
4 min read