Compare CFP, NISM, QPFP and leading wealth management programmes in India. Explore course durations, indicative fees, career opportunities and how to choose the right financial planning course.
Author: Yogesh Parikh
Discover how a good CIBIL credit score can help lower your home loan interest rate, reduce EMIs and save lakhs. Learn practical ways to improve your credit profile and negotiate better lending terms.
How to Start Investing in Your 20s Starting to invest in your 20s in India usually means five practical steps: clear short-term cash needs and debts you cannot ignore; build a basic emergency buffer; complete KYC; pick simple regulated products that match your time horizon and risk capacity; and invest regularly while learning. Time in the market and compounding matter, but returns are not guaranteed — and early investing does not remove the need to understand risk. This article is educational. It is not a recommendation to buy any specific security, fund, or crypto asset. Why are your 20s a…
Direct answer A Systematic Investment Plan (SIP) is a mode of investing a fixed amount in a mutual fund scheme at regular intervals — commonly monthly — instead of only investing a lump sum. It is not a separate fund type or asset class. Money is typically auto-debited from your bank account; each instalment buys units at that day’s applicable NAV. For AMC / trust / NAV structure (what a mutual fund is), see What Is a Mutual Fund and How Does It Work?. According to AMFI’s SIP explainer, SIP is a mode of investing. Returns remain market-linked. SIP does…
What Is Mutual Fund A mutual fund pools money from many investors, issues units, and invests that money in securities according to a disclosed scheme objective. In India, mutual funds are set up as trusts — with a sponsor, trustees, an Asset Management Company (AMC), and a custodian — and must be registered with the Securities and Exchange Board of India (SEBI) before collecting money from the public. Under SEBI’s rules, a “mutual fund” is a fund set up as a trust and registered with SEBI (SEBI (Mutual Funds) Regulations, 2026; see also SEBI’s FAQs for Mutual Fund Investors, updated…
Declaring a nominee in your bank account can be one of the easiest yet most significant financial decisions that you may do. While many people typically may open savings account, fixed deposit accounts, recurring deposits, or open lockers, they often forget to nominate someone. However, just forgetting to carry out this task might lead to serious legal and financial complications for you and your family members later on. However, the good thing is that banks in India have simplified the process of nominating someone. With the latest changes in the banking policies, it’s now possible to add, update, change, or…
Investing through SIPs (Systematic Investment Plans) has become one of the most popular ways for Indians to build wealth. From YouTube videos to financial advisors, everyone talks about SIPs as a “guaranteed” path to long-term returns. But here’s the uncomfortable truth — many investors misunderstand how SIPs actually work. This misunderstanding leads to poor decisions like early exits, chasing past performance, and expecting unrealistic returns. In reality, SIPs are powerful but only if used correctly. In this blog, we’ll break down the real story behind SIP investing, backed by data, experience, and practical insights. The Biggest Myth: SIPs Always Deliver…
Following the 2025 Budget and the enactment of the New Income Tax Act 2025, Income Tax is no longer merely a matter of asking, “Should I file a return or not?” It has now literally evolved into a game—and *you* are the player. This game consists of two levels: In today’s blog, we will be focusing on Level 2: “What exactly is the government tracking now?” Level 1 Quick Guide: New Tax Slabs and Rebates 2025–26 Let’s briefly understand the context, as this is where the rulebook of the game begins. This all sounds great, but there is a twist…
NPS Vatsalya is a PFRDA-regulated National Pension System scheme for minors. A parent or guardian opens it in the child’s name with at least ₹250 and contributes at least ₹250 each financial year. Returns are market-linked and not guaranteed. Rules below follow PFRDA’s NPS Vatsalya Scheme Guidelines 2025, in force from 23 February 2026. Planning for your child’s future is one of the most important financial decisions you will ever make. With rising education costs in India and abroad, parents are constantly searching for reliable, long-term investment options. One such emerging option is NPS Vatsalya, a scheme designed to help…
The global oil market is once again at a turning point. After years of volatility driven by geopolitical tensions, supply disruptions, and fluctuating demand, oil prices are reshaping the fortunes of energy companies. While lower crude prices might seem universally beneficial, the reality is more nuanced. In 2026, fuel retailers and refiners are emerging as clear winners, while upstream oil producers are facing margin pressures. This shift is altering investment strategies, corporate performance, and the overall energy sector outlook. Let’s break down why this divergence is happening and what it means for investors and consumers. to read Why Fuel Retailers…