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Insights, guides, and updates from the team.

Investment Guides27 Oct 2026

₹1 Crore Goal: How Could an Investor Compare Mutual Funds Before Choosing One?

Building a ₹1 crore investment portfolio requires more than selecting a mutual fund with impressive historical returns. Investors need to compare schemes based on their financial goals, time horizon, risk level, performance against an appropriate benchmark, expense ratio, portfolio composition and consistency across market conditions. This guide explains how to compare mutual funds systematically, illustrates how different investment assumptions affect the journey towards ₹1 crore, and provides a practical checklist to help investors evaluate schemes before committing their money.

By Divay DiyaRead More

Personal Finance27 Oct 2026

SIP, Capital Gains and Tax: What Could Happen When an Investor Withdraws ₹10 Lakh?

Withdrawing ₹10 lakh from a mutual fund portfolio does not necessarily mean paying tax on the entire amount. For SIP investors, the tax depends on the cost of the units redeemed, the gains realised, the holding period and the type of mutual fund. This guide explains how mutual fund redemption is taxed in India, compares illustrative short-term and long-term capital gains calculations, and highlights the records and tax rules investors should check before withdrawing money for a financial goal.

By Divay DiyaRead More

Investment Guides26 Oct 2026

How a Salaried Investor Could Save Tax With ELSS While Investing ₹10,000 a Month

A salaried investor who can set aside ₹10,000 every month could invest ₹1.2 lakh annually through an Equity Linked Savings Scheme (ELSS). Under the old tax regime, eligible ELSS investments can qualify for a deduction under Section 80C, subject to the combined ₹1.5 lakh annual limit and the investor’s other eligible contributions. However, the deduction is not available under the default new tax regime. This guide explains the potential tax savings, how monthly ELSS investments work, the three-year lock-in, illustrative return scenarios and the risks to consider before investing.

By Divay DiyaRead More

Personal Finance26 Oct 2026

₹1 Crore in Mutual Funds: How Much Could You Lose to Taxes When You Sell?

Building a ₹1 crore mutual fund portfolio is a major financial milestone, but the amount you receive after selling may be different from the value shown in your account. In India, tax on mutual fund redemption generally depends on the type of scheme, the profit you have made, how long you have held each investment, and the applicable tax rules. Learn how short-term and long-term capital gains are taxed, work through illustrative calculations, and discover practical ways to plan a redemption without making tax the only factor in your investment decisions.

By Divay DiyaRead More

Financial Planning26 Oct 2026

₹50 Lakh for a Home: How Could a Couple Plan Their Investments Over 10 Years?

Buying a home is a major financial milestone, and preparing for it over 10 years can give a couple time to build savings without relying entirely on a last-minute loan or a large lump sum. But how much would they need to invest every month to accumulate ₹50 lakh? This guide explores illustrative SIP calculations at different return assumptions, ways to divide contributions between partners, and how annual investment increases could support the goal. It also explains why a home fund needs a different approach as the purchase date approaches, how inflation and additional buying costs can affect the target, and how couples can balance home ownership with emergency savings and other financial priorities.

By Divay DiyaRead More

Financial Planning26 Oct 2026

How Parents Could Build ₹25 Lakh for Their Child’s Education Through Mutual Funds

Planning for your child’s higher education can feel overwhelming when tuition fees and other expenses are likely to rise over the years. Building a dedicated ₹25 lakh education fund through mutual funds can become more manageable when parents start early, estimate future education costs and invest consistently. This guide explains how much you may need to invest every month across different timelines, how SIPs and annual contribution increases could support your goal, and how to choose investments based on your child’s age and your financial circumstances. It also explores education inflation, market risks and practical ways to prepare for the transition from long-term investing to paying education expenses.

By Divay DiyaRead More

Financial Planning26 Oct 2026

How a Young Couple Could Build a ₹50 Lakh Fund for Their Next Big Financial Goal

Whether they are planning to buy a home, fund a major life milestone or build a stronger financial foundation, a ₹50 lakh goal can give a young couple a shared direction for their investments. Discover how two partners could combine their financial priorities, divide monthly contributions fairly, estimate the SIP required for different timelines and increase investments as their incomes grow. This guide explores illustrative investment scenarios, the role of compounding, practical budgeting strategies and important decisions couples should consider when building a long-term financial plan together.

By Divay DiyaRead More

SIP25 Oct 2026

₹5,000 a Month at 25: What Could a Beginner’s Investment Journey Look Like by 40?

What could happen if you started investing ₹5,000 every month at 25 and continued until 40? Explore how regular SIP contributions, compounding and annual investment increases could shape your financial journey over 15 years.

By Divay DiyaRead More

SIP25 Oct 2026

₹5,000 a Month Into a ₹50 Lakh Investment Portfolio

Can ₹5,000 a month grow into a ₹50 lakh investment portfolio? Explore how investment duration, compounding, consistent contributions and annual SIP increases could help you work towards this financial goal.

By Divay DiyaRead More