Emergency Fund — How Much You Need and Where to Keep It (2026)
Emergency fund sizing for Indians — 6 months for salaried, 12 months for self-employed. Where to park: savings, FD, liquid fund, sweep-in. Real allocation framework.
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Best Demat Account in India 2026 — Zerodha vs Groww vs Upstox vs Dhan vs ICICI Direct
Compare Zerodha, Groww, Upstox, Dhan, ICICI Direct on AMC, brokerage, mutual fund support, charts, F&O capability. Which demat fits long-term investors vs traders.
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IPO Application Guide — How to Apply, Allotment Odds, GMP Reality (2026)
ASBA, UPI mandate, retail vs HNI category, allotment math, grey market premium reality, and listing-day strategy for Indian IPOs in 2026.
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Direct vs Regular Mutual Fund — The 1.5% Difference Compounds to ₹50 Lakh
Direct mutual funds save 0.5-1.5% expense ratio annually vs regular plans. Over 25 years, that’s ₹50 lakh on a ₹10K SIP.
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Index Fund vs ETF vs Active Fund — What Should Beginners Pick? (2026)
Active equity funds beat the Nifty 50 only ~25% of the time over 10 years. Index funds and ETFs win on cost. Full beginner guide with the right starter portfolio.
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Sovereign Gold Bond vs Digital Gold vs Gold ETF — Complete Guide 2026
SGB pays 2.5% interest + tax-free at maturity. Gold ETFs are liquid. Digital gold has GST. Full comparison of every gold investment for Indian investors in 2026.
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Blog | Investments | Tax & ITR
ESOP and RSU Taxation in India — Complete Guide for Tech Employees (FY 2025-26)
ESOPs and RSUs are taxed twice — at vesting/exercise (perquisite) and at sale (capital gain). Full math for foreign-parent and Indian-listed companies, with Schedule FA disclosure rules.
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NPS Calculator and Tier 1 vs Tier 2 — Is the Extra ₹50,000 Deduction Worth It?
NPS Tier 1 gives an extra ₹50,000 tax deduction under 80CCD(1B). Tier 2 has no lock-in. Full comparison, returns, withdrawal rules, and is the deduction actually worth the lock-in.
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Sukanya Samriddhi Yojana Calculator — Full Maturity Math for a Daughter Born in 2025
SSY at 8.2% for a daughter born in 2025 builds ₹70+ lakh by maturity. Full year-by-year math, ₹1.5L deposit schedule, partial withdrawal and closure rules.
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FD vs Debt Mutual Fund vs RBI Floating Rate Bonds — Where to Park Conservative Money
Bank FD, debt mutual fund, RBI Floating Rate Savings Bond — full comparison on rate, tax, liquidity, and risk. Where conservative Indian investors should park ₹10 L+ in 2026.
