Senior Citizens Savings Scheme (SCSS) Calculator GMR SCSS Calculator Investment Amount (₹, max 30 lakh) Interest Rate (% p.a.) Tenure 5 Years5 + 3 Years Extension Compare with FD Rate (% p.a.) Calculate Returns Please enter a valid investment amount (₹1,000 to ₹30,00,000). Download Summary as PDF Table of Contents Introduction 1. What Is Senior…
Why Free Cash Flow Matters I still remember 2015. I invested in a mid-cap stock, lured by its shiny profit numbers. In that quarter, it reported almost a two times (2x) increase in its net profit. Big mistake. The company’s cash flow was a mess. It taught me a hard lesson: profits can lie, but…
The Indian stock market are buzzing. Sensex & Nifty is seeing a strong rally today. But what’s grabbing even more attention is the outperformance of auto, financials, and consumption stocks. This move has got people like me (long-term investors), and even casual observers of the market thinking that what really has changed in the weekend….
Introduction One piece of news that I read on Economic Times about S&P Global upgrading the credit ratings of several major Indian financial institutions. The story reports how S&P has enhanced up the ratings for 10 banks and lenders. Their list include heavyweights like SBI, HDFC Bank, ICICI Bank, and others. This follows a broader…
Table of Contents Introduction 1. Does AI Fits Long-Term Stock Investing? 2. Smart Ways to Use AI 3. Tools That Can Work for Us (In India) 4. What Are The Limits of Using AI For Stock Investing? 5. Reliable Method for Stock Investing 6. Where and How to Insert AI into This Method Conclusion Introduction…
Introduction Let’s talk about a different aspect of money. For a majority of us, managing finances is complicated, right? That why I think, staying with one trusted advisor can turn your financial chaos into a solid plan. That’s the story of Vishal Sharma, a 51-year-old IT professional from New Delhi. His journey with his financial…
Introduction A friend of mine got a few messages. It came from the National Stock Exchange (NSE) via a short code. The text showed a huge traded value linked to his account. He panicked. He had no idea why this happened. Then came another worry. The Income Tax Department might notice it too. This is…
Introduction You’ve got a nice flat in a nice Kolkata locality. You’ve the possession letter in your hand, and you’re dutifully paying maintenance and electricity bills. But now, you need funds urgently and you have decided to sell the flat. At this time you realized that the partition and mutation papers are missing. This is…
Introduction I was scrolling through the latest news about HDFC Bank and ICICI Bank hiking their Minimum Balance Requirements (MBR). My immediate reaction was of surprise. Why would an Indian bank do it now? It is very different from how I’m looking at this news piece as a stock investor. Read about my first reaction…
Introduction Today, we’re going to talk about a that caught me by surprise. Our two premier private banks, particularly ICICI Bank and HDFC Bank, have decided to significantly increase their Minimum Balance Requirements (MBR) for savings accounts. Read here to know what’s my perspective about MBR hike as a stock investor. It’s a move that…
Introduction Recently, I saw this Reddit post related to Reverse Stock Split. Someone bought 18,000 shares in his company for about Rs.4,00,000 (about $5,000). After the company went public, a reverse stock split left him with just 3,000 shares. He was worried that if he got cheated. Sound familiar? If you’ve ever been confused by…
Introduction Lately, our stock market has been a bit like a rollercoaster. Trump’s tariff talks have stirred things up. It leaves many of us wondering where to park our money safely. That’s why I’m excited to dive into something interesting today. The Quant Small Cap Fund. It is one of India’s most talked-about mutual fund…
