Compound — money notes for India Plain, practical money notes for Indian investors and savers. Index funds, credit, tax, and building an emergency fund, explained without the sales pitch. https://finance-blog.oriz.in/ 2026-08-10T00:00:00.000Z Chirag Singhal https://oriz.in/about/ whyiswhen@gmail.com Astro Index funds vs active funds in India: which actually wins https://finance-blog.oriz.in/blog/index-funds-vs-active-funds-india/ 2026-08-10T00:00:00.000Z 2026-08-10T00:00:00.000Z Chirag Singhal Most active funds in India fail to beat their benchmark once fees are counted. Here is what the SPIVA data shows, when active still makes sense, and how to build a simple index core. How to read your credit report before it costs you a loan https://finance-blog.oriz.in/blog/how-to-read-your-credit-report-india/ 2026-08-08T00:00:00.000Z 2026-08-08T00:00:00.000Z Chirag Singhal Your CIBIL report decides your loan rate long before a bank meets you. Here is how to pull it free, read every section, and fix the errors that quietly drag your score down. Emergency fund: how much you need and where to keep it https://finance-blog.oriz.in/blog/emergency-fund-how-much-and-where-india/ 2026-08-06T00:00:00.000Z 2026-08-06T00:00:00.000Z Chirag Singhal Before you invest a rupee, build the fund that keeps one bad month from becoming a debt spiral. How to size it for Indian life, and exactly where to park it so it stays safe and reachable.