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/enwhyiswhen@gmail.com (Chirag Singhal)whyiswhen@gmail.com (Chirag Singhal)https://finance-blog.oriz.in/blog/index-funds-vs-active-funds-india/https://finance-blog.oriz.in/blog/index-funds-vs-active-funds-india/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.Mon, 10 Aug 2026 00:00:00 GMTInvestindex-fundsmutual-fundsindiainvestingbeginnerswhyiswhen@gmail.com (Chirag Singhal)https://finance-blog.oriz.in/blog/how-to-read-your-credit-report-india/https://finance-blog.oriz.in/blog/how-to-read-your-credit-report-india/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.Sat, 08 Aug 2026 00:00:00 GMTCreditcredit-scorecibilcredit-reportindialoanswhyiswhen@gmail.com (Chirag Singhal)https://finance-blog.oriz.in/blog/emergency-fund-how-much-and-where-india/https://finance-blog.oriz.in/blog/emergency-fund-how-much-and-where-india/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.Thu, 06 Aug 2026 00:00:00 GMTSaveemergency-fundsavingsindiapersonal-financebeginnerswhyiswhen@gmail.com (Chirag Singhal)