General Info

The new tax regime is the default way you are taxed in India. A salaried person earning up to ₹12.75 lakh now pays nothing at all — a figure that surprises people who have not looked at the rules since the regime was introduced. Figures apply to FY 2025-26 (AY 2026-27). The same slabs continue…

Choosing between large, mid and small cap funds means deciding your own allocation and rebalancing it as markets move. A flexi cap fund hands that decision to the fund manager — which is either its main advantage or its main risk, depending on the manager. What is a Flexi Cap Fund? A flexi cap fund…

Before 1996, buying shares in India meant receiving paper certificates in the post, storing them safely, and posting them back to sell. Certificates were lost, forged and damaged routinely. The demat account replaced all of that with an electronic record — and made retail investing in India practical. What is a Demat Account? Demat is…

Small cap funds show the most impressive long-term return charts in any mutual fund brochure. They also produce the largest gap between what the fund earned and what its investors actually earned — because the journey between those two numbers is where most people get off. What is a Small Cap Fund? A small cap…

Most mutual funds employ a manager and a research team to decide which shares to buy. An index fund does none of that. It simply copies an index — and that deliberate absence of decision-making is the entire point. What is an Index Fund? An index fund is a mutual fund that holds exactly the…

Mid caps occupy an awkward and interesting position — large enough to have proven their business model, small enough to still multiply in size. That combination is why the category has historically outperformed large caps over long periods, and why it punishes short horizons so severely. What is a Mid Cap Fund? A mid cap…