Sold mutual funds? Sold property? The rules changed in July 2024 and most salaried Indians don’t know what rate actually applies to them. Every rate, every exemption, and the ₹1.25 lakh trick — verified from IT Department sources.
My colleague Vikram stopped working at 41. No inheritance, no startup exit — just 17 years of disciplined investing on a salaried income. Here’s what the FIRE movement in India actually takes in 2026.
Everyone congratulates you enthusiastically when you announce the news. Nobody hands you a spreadsheet. Here are the real costs of having a baby in India in 2026 — and exactly what to do about them.
A colleague was thrilled with her IDCW “passive income” until her CA showed her the tax bill. She’d been paying 30% on money she thought was a bonus. Here’s the full truth about dividend vs growth in mutual funds.
My manager got a ₹3 lakh bonus and spent three weeks arguing with his wife about whether to prepay the home loan or invest it. Here’s the 5-variable framework that settles this debate — with 2026 rates and the new tax regime factored in.
Four categories, four completely different risk profiles. Here’s what SEBI actually means by large-cap, mid-cap, and small-cap — and which one your money should be in.
ELSS or PPF — the question every salaried Indian faces before March. Both save the same tax. But they do completely different things with your money. Here’s a clear, honest answer for 2026 with real rupee numbers.
Most salaried Indians have ₹50,000 to ₹3 lakh sitting in a savings account earning 2.5% while inflation runs at 3.7%. In 2026, that’s a choice that costs you real money — here’s a better setup.
Every April, increment letters go out. Almost nobody thinks about their SIP. A step-up SIP fixes that — it automatically increases your investment every year so your future grows as fast as your salary does.
There’s a fee built into every mutual fund you own. It runs every day, never appears on your statement, and gets charged whether the market goes up or down. On a ₹10,000 monthly SIP, 1% higher expense ratio costs you ₹13.5 lakh over 20 years.
Personal Finance · For Salaried Indians
SIPs, ITR filing, 80C, EPF, insurance, home loans — explained by someone who gets a salary too. No jargon. No course to sell. Just clear answers to the questions you're already Googling.
