Overview Managing money in 2026 is no longer about writing expenses in a notebook or guessing where your salary disappears. With rising digital payments, multiple bank accounts, UPI usage, and subscriptions, budgeting apps have become essential financial tools. The biggest advantage today is bank sync, which automatically tracks spending without manual effort. In this article, […]
Overview Life in 2026 is more uncertain than ever. Rising living costs, job volatility, medical inflation, and unpredictable economic cycles make having an emergency fund non-negotiable. An emergency fund is money set aside exclusively for unexpected expenses, not for lifestyle upgrades or planned purchases. Many people ask two key questions: How much emergency fund is
The Victory Electric Vehicles IPO is an NSE SME fixed price public issue consisting entirely of a fresh issue aggregating to ₹34.56 crore. The IPO opened for subscription on January 7, 2026 and closed on January 9, 2026. Investors who applied during the IPO window are now awaiting the allotment announcement. 🔍 Victory Electric Vehicles
The Yajur Fibres IPO is a BSE SME bookbuilding public issue consisting entirely of a fresh issue aggregating to ₹120.41 crore. The IPO opened for subscription on January 7, 2026 and closed on January 9, 2026. Investors who applied during the IPO window are now awaiting the allotment announcement. 🔍 Yajur Fibres IPO Allotment Status
Overview In 2026, investors continue to seek cost-efficient ways to grow wealth. Two of the most popular passive investment vehicles — index funds and ETFs (Exchange-Traded Funds) — are often compared. Both provide broad market exposure and low costs, but subtle differences may make one a better choice depending on your goals, risk tolerance, and
SIP strategies shine in 2026’s volatile markets with Nifty rangebound at 25,800-26,300, offering rupee cost averaging amid uncertainty from delayed US deals and rupee weakness. Lump sum suits if you spot 10% dips in bullish long-term outlook, but data shows SIPs now contribute 35% of ₹3 lakh Cr equity inflows. Overview SIP invests fixed sums
Crypto investment in 2026 carries high volatility and 30% tax in India, but offers diversification potential for risk-tolerant long-term holders allocating 1-5% portfolio to BTC/ETH amid global adoption. Regulatory ambiguity persists post-2025 volumes, favoring disciplined SIPs over trading. Overview India ranks top in Chainalysis adoption, with 150M+ users despite 1% TDS and no loss set-off.
Gold prices in India stand at around ₹94,000-₹1.35 lakh per 10g in January 2026, up sharply amid global uncertainties, making Sovereign Gold Bonds (SGBs) attractive over physical gold for long-term investors due to 2.5% interest and tax exemptions. Short-term dips possible from RBI rate stability, but 2026 outlook bullish to ₹1.28-1.78 lakh. Overview Gold acts
Debt Mutual Funds invest predominantly in fixed-income securities like government bonds, corporate debt, treasury bills, and money market instruments, offering stable returns with lower volatility than equities. They provide professional management and liquidity advantages over traditional FDs, making them suitable for conservative investors in India’s 2026 market where RBI rates hover at 6.25-6.5%. Overview Debt
Fixed Deposits (FDs) and Recurring Deposits (RDs) both offer guaranteed returns backed by DICGC insurance up to ₹5 lakh per depositor per bank, making them popular safe-haven choices for Indian savers amid 2026’s 6-7% inflation. FDs suit lump-sum investors seeking higher yields, while RDs build discipline through monthly contributions. Understanding their differences helps align investments
Mutual fund expense ratios represent the annual fees charged by fund houses, expressed as a percentage of assets under management (AUM). These costs cover management, administration, marketing, and other operational expenses, directly reducing investor returns by being deducted daily from the fund’s Net Asset Value (NAV). In 2026, SEBI’s tighter caps make lower ratios even
The Public Provident Fund (PPF) remains one of India’s most reliable wealth-building tools in 2026, offering guaranteed 7.1% tax-free returns, sovereign backing, and EEE (Exempt-Exempt-Exempt) tax status. Perfect for risk-averse investors planning retirement or children’s education, PPF locks in discipline with its 15-year tenure while allowing flexibility like loans and partial withdrawals. PPF at a
