Is it worth signing up on many P2P platforms — i2iFunding, LenDenClub, Faircent, Lendbox, IndiaP2P — to test which gives the best returns? An honest, RBI-rule-grounded answer for Indian investors. Not investment advice.
11 min InvestOne account for salary, spending, investing, IPOs, and max interest? Here's the honest 2026 comparison — HDFC vs ICICI vs IDFC FIRST across the four dimensions that matter, the zero-balance-vs-ecosystem tradeoff, and the one sweep-FD-vs-IPO question that decides it (and that no bank publishes).
BankingYes — ETFs can be bought on MTF in India, but only when they clear SEBI's Group I liquidity bar and land on your broker's approved list. Here is the verified picture: Dhan's explicit ETF eligibility, up to 4x leverage, 12.49–15.49% interest, and the three things people confuse — MTF-buy vs pledge-as-collateral vs intraday.
InvestSmall finance banks advertise 7%+ savings rates — but the fine print is brutal: your first ₹1-3 lakh earns the same 2.5% as SBI. Here's the real comparison across SFBs, private, payments, and public banks, the marginal-tiering trap, the ₹5 lakh insurance limit, and where idle cash should actually go.
BankingIt trades at 0.70x book with a P/E near 1.2 — screaming 'cheap' on every screener. But this is a Core Investment Company whose profit is mostly non-cash Ind-AS revaluation, it pays zero dividend, the promoter holds 74.63%, and there's no catalyst to close the discount. A balanced bull/bear review of when a deep discount is opportunity and when it's a trap.
InvestShould you hold mutual funds in demat form (like stocks, via a broker) or the traditional Statement-of-Account folio (direct with the AMC)? The verified answer: for most direct-plan investors, SoA wins — and the feature people think needs demat (nominee, transmission, consolidation) all work on SoA too. The real cost lever isn't format — it's direct-vs-regular.
InvestTwo value indices, two different recipes. Nifty500 Value 50 uses a 4-factor Z-score (E/P, B/P, S/P, Dividend Yield); the BSE Enhanced Value family uses 3 factors (B/P, E/P, S/P). Here is the exact selection, weighting, caps, and rebalance for each — plus a screener.in query that approximates them so you can replicate the tilt yourself.
InvestA complete, honest guide to the National Pension System — how to open an account via eNPS in minutes, the real tax benefits (and why the ₹50,000 80CCD(1B) hook is DEAD for most people under the new tax regime), the lock-in-till-60 and forced-annuity catch, and who should actually bother.
Invest"Free of cost" is only half true for an SBI Unnati / basic-savings debit card. The catch is the gap between free issuance and a recurring annual maintenance charge — and the fact that 'Unnati' has quietly vanished from SBI's live catalogue. Here is exactly what to check on your own card.
BankingNot every 'zero-balance' account is actually zero-balance — and the difference between a true zero-AMB account, a BSBDA, and a salary account can cost you a penalty you didn't expect. A reviews-style comparison of IDFC FIRST, Kotak 811, Fi (winding down), Jupiter, IPPB and SFBs — with the traps each one hides.
BankingI wanted one dashboard of every bank account, P2P investment, and bank charge — fetched by code. Here is what the Account Aggregator framework actually allows an individual to do, why there is no consumer API, and the only paths that work.
ToolsThe step-by-step method to screen low-PE/low-PB quality stocks for leveraged buy-and-hold, the annual-churn LTCG tax play that swaps 20% for 12.5%, and the honest risk math that decides whether it works at all.
Invest'Just buy all the PE<6, PB<1 PSU stocks on margin and hold' sounds like free money. Here's why the evidence — Buffett's Alpha, QMJ, Piotroski — says it's close to the inverse of what actually works.
InvestApplying is free everywhere — the real cost is AMC plus MTF interest plus delivery brokerage plus the DP-sell fee no 'zero-brokerage' broker escapes. The verified all-charges master comparison, focused on Dhan, Pocketful, INDmoney and Paytm Money.
InvestApplying to IPOs is free everywhere — the real cost hides in AMC, delivery brokerage, and the DP-sell charge no 'zero-brokerage' broker escapes. Here's the verified cheapest pick for flipping on listing and for holding long-term.
InvestGMP is an unofficial, off-exchange premium many chase to guess listing-day pops. Here is what two decades of underpricing data and 2025's main-board IPOs show it really predicts — and how to use it without getting burned.
InvestA staged, no-hype roadmap for young Indians: clear high-interest debt, build the emergency fund, hit your first ₹1 lakh on savings rate, then compound to ₹10 lakh with index funds and tax-smart accounts. Honest timelines, verified rates, real tables.
SaveThe headline '5.99%' MTF rate is a trap — it only applies to the first Rs 1 lakh you borrow. Here is what every major Indian broker actually charges, slab by slab, with the real cost of holding on margin, plus the SEBI rules that govern it.
InvestWhat peer-to-peer lending actually is in India, how the RBI's August 2024 crackdown gutted the 'assured return, withdraw anytime' pitch, and the honest truth about returns, defaults, platforms and tax before you risk a single rupee.
InvestMost 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.
InvestYour 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.
CreditBefore 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.
SaveAn honest ranking of concentrated >20% CAGR avenues — SMH semis, NVDA, QQQ, crypto, India smallcap, ARKK, and the SOXL/TQQQ leverage trap — and why past CAGR isn't forward CAGR.
15 min InvestA developer's honest breakdown of a ₹10L aggressive Indian portfolio — index, equity MF, small-cap, P2P lending, gold — with real returns, real risks, and why nobody can guarantee 20%.
16 min InvestWhy India is the durable 10-year growth story, why low-churn buy-and-hold quietly earns 1-3% extra CAGR, and how a low income makes most of it near-tax-free.
13 min InvestA blunt look at global value ETFs (GVAL, EFV, AVDV), which countries are actually cheap, the value-trap warning, and how India's 24-month foreign-asset rule makes low-churn value investing tax-efficient.
13 min InvestI built a tool to track i2i Fundos loans and alert on high-yield opportunities. Here is what the data showed, and what every P2P investor in India should know before putting in a rupee.
11 min InvestA comprehensive guide to lifetime free credit cards in India for 2026 covering Amazon Pay ICICI, IDFC FIRST, Scapia Federal, and other no-annual-fee cards wi...
14 min CreditComplete guide to improving your CIBIL credit score in India. Learn practical steps, common mistakes, and strategies to reach 750+ score for better loan rates.
13 min CreditMaster deep value investing in Indian stock markets. Learn to find undervalued stocks using P/E, P/B ratios, screeners, and fundamental analysis on NSE and BSE.
16 min InvestComplete guide to achieving Financial Independence Retire Early (FIRE) in India. Learn the 4% rule, corpus calculation, investment strategy, and step-by-step...
15 min InvestComplete GST guide for Indian freelancers. Learn registration threshold, calculation, filing, input credit, and compliance requirements for freelance busines...
14 min TaxComplete guide to HRA exemption in India. Learn how to calculate HRA, claim tax benefits, submit rent receipts, and optimize your tax savings as a salaried e...
13 min TaxComplete guide to all mutual fund categories in India. Understand equity, debt, hybrid, and solution-oriented funds with examples, risk levels, and when to i...
16 min InvestComplete guide to NPS tax benefits under Section 80CCD(1B). Learn how to claim additional Rs 50,000 deduction, employer contributions, and maximize retiremen...
13 min TaxA comprehensive decision framework for comparing Indian old and new tax regimes with detailed calculations, deduction analysis, HRA optimization, and real sa...
15 min TaxA comprehensive guide to peer-to-peer lending in India covering LenDenClub, Faircent, IndiaP2P returns, risk management, tax implications, and portfolio cons...
14 min InvestDetailed comparison of top P2P lending platforms in India 2026. Compare LenDenClub, Faircent, IndiaP2P on returns, risk, features, fees, and user experience.
15 min InvestUltimate guide to Section 80C tax deductions for FY 2026-27. Learn about ELSS, PPF, life insurance, home loan, tuition fees and maximize your Rs 1.5 lakh ded...
14 min TaxDetailed comparison of SIP, FD, PPF, and NPS for Indian investors in 2026. Returns, tax benefits, liquidity, risk analysis with real calculations to help you...
15 min InvestA comprehensive guide to zero-brokerage trading in India covering discount brokers, hidden charges, statutory fees, and how to minimize your total trading co...
13 min Invest