Investment Tips

Most families need far more than 5X income coverage to stay financially safe. A 15X rule ensures stability even during long-term uncertainties.

Calculate your actual requirement before deciding your cover.

Contact me for more information

Can a ₹4,000 SIP Recover a ₹50L Home Loan?

A ₹50L home loan for 30 years means paying nearly ₹1.41Cr in total.

But a simple ₹4,000 monthly SIP, started alongside the loan and continued for 30 years, can grow to roughly the same amount.

This is the power of compounding – not reducing EMIs, but planning smarter over time.

Small SIP. Long horizon. Big difference.

Watch the video for the full breakdown: https://dub.link/c1Thg1X

World’s biggest economies in 2075, projected by Goldman Sachs. Source: Reddit and World of Statistics

ICICI Prudential Mutual Fund Head Start – 29 Dec 2025 Read the PDF

Debt Watch for 29 Dec 2025 Read the PDF

Franklin Templeton India – Annual Outlook 2026 Read the PDF

ICICI Prudential Mutual Fund Head Start Read the PDF

Debt Watch for December 2025 Read the PDF

Dear Partner,

Finally synced. The US dollar and our ISD code : +91

Why Health Insurance Claims Get Rejected? Read the PDF

The Daily Trail Read the PDF

Right time to invest in Equity Market!

Dear Partner,

Monthly Presentation – October 2025
Key Takeaways

Policy cushion: India has room for fiscal and monetary easing, which may support markets ahead.

Global backdrop volatile – US tariffs and slowdown risks weigh on trade.

Gold & precious metals remain strong portfolio diversifiers amid stagflation & geopolitical risks.

Indian growth steady (~6.5%), but nominal slowdown and weak exports may cap upside.

Equity outlook: Large caps relatively safer; small & midcaps facing more pain. Sector rotation crucial.

Read the PDF

Dear Partner,
Budget 2025 Read the PDF

Dear Partners and Investors,

Dear Partner,
SIP Study by White Oak Capital Mutual Fund Read the PDF

Dear Partner,
INDIA Equity Strategy – Asia Pacific 2025 by Morgan Stanley Read the PDF

Dear Partners and Investors,

Dear Partner,
PeaceAmidstChaos Read the PDF

SectoralWatch_October2024. Read the PDF

Dear Partner,
The Month Gone By – August 2024 includes important market developments such as economic conditions of the U.S., the strong comeback of gold prices, easing retail inflation of India and other relevant stories. Read the PDF

Budget Day 2024 – Read the PDF

Mighty wealth is created for those who invested regularly, waited patiently, and stay invested for a longer period.

BSE Sensex (1991-2024): journey from 1000 to 77000. CAGR( including dividend income) ~ 16.75%

Equity Market Review for May 2024 – Read the PDF

Equity Market Updates for March 2024 – Read the PDF

Interim Budget: 2024-25 simplified – Read the PDF

ICICI Prudential Debt Valuation Index

Top 75 Highlights of Budget FY 2024-25 by Finance Minister Nirmala Sitharaman

1. No Changes in Income Tax Slabs
2. No Change in Tax rates for Company, LLP or any other person
3. Some Exemption to Srartups and Extend some concession – extension of tax sops for soverign wealth funds and startups to March 2025
4. Tax payers service – Withdrawal of direct tax demands of period upto ₹25000 for period upto 2009-10 and ₹10000 for period upto 2014-15, 1 Crore people will benefit
5. 40,000 normal railway bogies will be converted to vande Bharat standards
6. 1-lakh crore corpus will be made available with 50 year interest free (long-term financing or refinancing) to encourage the private sector to scale up R&D. Corpus of 1 Lakh Crore for Reduced Rate Loans to Private Sector for Research in Sunrise Domains
7. Rooftop solarisation and free electricity Through rooftop solarisation, 1 crore households will be enabled to obtain up to 300 units of free electricity every month
8. This scheme follows resolve of Prime Minister, on the historic day of consecration of Ram Mandir in Ayodhya
9. Garib, Mahila, Annadata and Yuva will be focus groups
10. SithramanWorking to make India a Vikasit Bharat by 2047
11. Worries about food have been eliminated with free rations for 80 crore people
12. 25 crores Indians were pulled out of multi dimensional poverty by the govt over past 10 yrs
13. Govt could save 2.7-lakh crore through avoidance of leakages
14. Electronic agri Mandi has connected 1051 mandis, transacting ₹2-lakh crore
15. Minimum support prices for ‘Annadata’ (farmers) increased periodically
16. Direct financial assistance was extended to 11.8 crore farmers
17. For our government, social justice is an effective and necessary model
18. Female enrolment in higher education has gone up by 28 per cent in 10 year
19. Avg real income has increased by 50 per cent
20. Every year under PM Kisan Samman Yojana, Direct financial assistance is provided to 11.8 crore farmers, including marginal and small farmers
21. PM SVANIDHI has provided credit assistance to 78 lakh street vendors, from that total, 2.3 lakh have received credit for the third time
22. PM JANMAN Yojana reaches out Particularly Vulnerable Tribal Groups
23. PM Vishakarma Yojana provides end to end support to artisans and craftspeople
24. Scheme for empowerment of Divyang and transgender people reflects our resolve to leave no one behind
25. PM Mudra Yojana has sanctioned 43 crore loans amounting to Rs. 22.5 lakh crore for entrepreneurial aspirations of your youth
26. Fund of Funds, Startup India and Startup Credit Guarantee Schemes are assisting our youth
27. The National Education Policy 2020 is ushering transformational reforms
28. PM Shri is delivering quality teaching
29. Skill India Mission has trained 1.4 crore youth, upskilled and reskillled 54 lakh youth and established 3,000 new ITIs
30. Large no. of institutions of higher learning namely 7 IITs, 16 IIITs, 7 IIMs, 15 AIIMSs and 390 universities have been set up
31. The country received its highest ever medal tally in Asian Games and Asian Para Games in 2023
32. Chess prodigy and our No. 1 ranked player Praggnanandhaa put up a stiff fight against world champion Magnus Carlsen in 2023, today, India has over 80 chess grandmasters compared to little over 20 in 2010
33. The earlier approach of tackling poverty resulted in very modest outcomes When the poor became empowered partners in development process, government’s power to assist them increases manifold. In the last 10 years, the government has assisted 25 crore people to get freedom from multidimensional poverty
34. 2cr more houses will be built under PM Awas Yojana Gramin 1cr houses will be taken to rooftop solar units to generate free electricity
35. Housing for Middle Class, Govt will launch a new scheme to buy and build their own houses
36. Making Triple Talaq illegal, one third women’s reservation in Lok Sabha and state assemblies, giving over 70% houses under PM Awas Yojana in rural areas to women as sole or joint owners have enhanced their dignity
37. Empowerment of Women through entrepreneurship, ease of living and dignity has gained momentum in last 10 years
38. 30 crore MUDRA Yojana loans have been given to woman entrepreneurs
39. Female enrollment in higher education has gone up by 28% in 10 years
40. In STEM courses, girls and women constitute 43% of enrollment, one of the highest in the world
41. All these are getting reflected in increasing participation of women in workforce
42. Making Triple Talaq illegal, one third women’s reservation in Lok Sabha and state assemblies, giving over 70% houses under PM Awas Yojana in rural areas to women as sole or joint owners have enhanced their dignity
43. Besides delivering on high growth, the government is equally focussed on a more comprehensive GDP – I.e., Governance, Development and Performance
44. Ayushman Bharat scheme cover will be extended to all Asha, Anganwari worker and helpers
45. To ensure housing for middle class, the government will launch a scheme for middle classThis is to help them to buy or build their own houses for those living in slums, chawls or rented houses, she added.
46. A committee to set up more medical colleges, free cervical Cancer vaccines for girls from 9-14 years
47. Nano DAP on various crops will be expanded in all agro-climatic zones
48. GST has enabled One Nation One Market One Tax
49. GIFT IFSC and Unified Regulatory Authority IFSCA are creatin a robust gateway for global capital and financial resources
50. Proactive inflation management has helped keep inflation within the policy band
51. Matsya Sampada Yojana to be expanded to generate more employment, increase earnings
52. Despite the challenges due to COVID, implementation of PM Awas Yojana Rural continued and we are close to achieving the target of 3 crore houses. 2 crore more houses will be taken up in the next 5 years
53. India U.S. Europe sponsored Middle East- europe corridor: potential gateway for world trade for 100s of years.
54. India assumed G20 Presidency during very difficult times, global economy was going through high inflation, low growth, high interest rates, very high public debt, low trade growth and climate changes
55. Pandemic has led to a crisis of food, fertilizer, fuel and finances while India successfully navigated its way and showed the world the way forward
56. India built consensus on global problems, the recently announced India Middle East Europe Economic Corridor is a strategic and economic game changer for India and others
57. Our government is ready to assist states in faster development of aspirational districts and blocks Government will pay utmost attention to make eastern region and its people a powerful driver of India’s growth
58. Social Justice was largely a political slogan. For our government, social justice is an effective and necessary governance model !! The saturation approach of covering all eligible people is the true and comprehensive achievement of social justice, this is secularism in action, reduces corruption, prevents nepotism There is transparency and assurance that benefits are received to all eligible people, all regardless of their social standing get access to opportunities We are addressing systemic inequalities which have plagued our society, our focus is on outcomes and not on outlays so that socioeconomic transformation is achieved
59. Charging of electric vehicles Entrepreneurship opportunities to a large number of vendors for supply and installation, employment opportunities for youth with technical skills in manufacturing, installation and maintenance
60. Rooftop solarisation and free electricity
61. Through rooftop solarisation, 1 crore households will be enabled to obtain up to 300 units of free electricity every month
62. FDI inflows stand at $596 billion, twice more than 2014-15
63. The govt will form a high powered committee to address the concerns of fast population growth and demographic change
64. Fisheries scheme to help reach the target of INR 1 lakh crore exports
65. 2 Crore More Houses To Be Built Under PMAY-Gramin
66. Fiscal deficit for FY 24 revised at 5.8%. lower than earlier estimate of 5.9% in BE
67. FDI is ‘First Develop India. FDI inflow during 2014 to 2023 was Rs 596 billion US dollars, marking a golden era. This was twice the FDI inflow between 2005 to 2014. For sustained FDI, we are negotiating bilateral investment treaties with foreign partners
68. PM Mudra Yojana has sanctioned 43 crore loans amounting to Rs. 22.5 lakh crore for entrepreneurial aspirations of our youth
69. Revised fiscal deficit estimated for FY24 has been pegged at 5.8% of GDP and the deficit for FY25 is pegged at 5.1%
70. To address fervour for domestic tourism, projects for port connectivity, tourism infra & amenities will be taken on our islands including Lakshadweep
71. Government will further promote private and public investment in post harvest activities including aggregation, modern storage, supply chains, primary and secondary processing, marketing and branding
72. After successful adoption of nano urea, Nano DAP application on various crops will be expanded in all agroclimatic zones
73. Electronic National Agricultural Market has integrated 1,361 mandis and is providing services to 1.8 crore farmers with trading volume of 3 lakh crores of rupees. The sector is poised for inclusive, balanced and higher growth and productivity.
74. I propose to retain the same tax rates for direct and indirect taxes including import duties
75. Govt will lay a white paper in house on mismanagement of the economy before 2014

Annual Outlook for 2024 – A Paradigm Shift – Read the PDF

CPI Inflation data released by National Statistical Office (NSO)
1️⃣ Inflation has eased down to 4.25% in May 2023 from 4.70% in April 2023.
2️⃣ Lowest in the last 25 months.
3️⃣ A positive outcome despite MPC pausing interest rate hikes for 2 consecutive sessions.

HDFC Markets Dashboard – Read the PDF

Tax Reckoner 2023-24 – Read the PDF

Equity Valuation Index for the month of April 2023.

THE ONLY COLOURS YOU NEED TO CREATE A BRIGHT PORTFOLIO – HAPPY HOLI

Equity Valuation Index – February 28, 2023

I pru Insights TamilIssue5 – PDF

AssetPlus Market Update – February 20, 2023

Investing in your future, because love at first sight is great, but love forever is better.

Monetary Policy Review – February 2023
union-budget_2023-24_230202.pdf

Union Budget Simplified
union-budget_2023-24_230202.pdf

Adani Group: How The World’s 3rd Richest Man Is Pulling The Largest Con In Corporate History
https://hindenburgresearch.com/adani/

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Did you know you can approximately save up to ₹ 62,400
by investing in combo of ELSS+NPS.

To know how to save taxes using ELSS + NPS combo click https://bit.ly/TaxBachao