Personal Finance Guides
Step-by-step playbooks for every money decision — from building an FD ladder to filing your ITR. Data-backed, no jargon, always honest.
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8 Red Flags Before You Invest a Single Rupee — The Complete Checklist
Only 973 SEBI-registered advisors exist. 76% of cyber fraud is investment scams. PACL refunded 3.5% after 9 years. 8 data-backed red flags every Indian.
CAGR vs XIRR vs Absolute Return: Which Metric to Use (Decision Framework)
CAGR for lump sum, XIRR for SIP, absolute return under 1 year. Decision framework with real examples: Rs 1L in Nifty 50, SIP returns, FD, gold. Stop using the wrong metric.
SIP vs FD vs PPF vs Gold: The Honest Post-Tax Comparison (2026 Real Data)
Rs 10K/month for 15 years: SIP gives Rs 50.5L, PPF Rs 32.6L, Gold Rs 41.5L, FD Rs 26.4L post-tax at 30% bracket. The honest 4-way comparison with real historical data.
Stamp Duty by State 2026: Complete Table for All 28 States + 8 UTs
Maharashtra 6%, Kerala 8%, Gujarat 4.9%. Complete 2026 stamp duty table for all 36 states and UTs. Women's concessions, registration charges, gift deed.
True Cost of Buying a 1 Crore Flat in India — The Rs 2.55 Crore Reality Check
A Rs 1 Cr flat costs Rs 2.55 Cr over 20 years. Full breakdown: Rs 93L loan interest, Rs 6-11L stamp duty, Rs 15L interiors, Rs 19L maintenance. State-wise.
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