Practical guides written for India. Grounded in numbers, not opinions. No upsells.
13 posts · updated regularly
The exact monthly SIP for ₹1 crore at 10/15/20/25 years and 10-14% returns, with the standard SIP formula shown. Why starting early beats every other variable.
2 Jun 2026
7 min read
By Sparsh Agarwal
BPCL Octane, IndianOil HDFC and more, ranked by real value back. Which fuel card beats its annual fee for your monthly petrol spend — with the surcharge-waiver math.
29 May
8 min
Sparsh
RuPay credit cards you can link to PhonePe and GPay to earn on UPI scans. Kiwi, AU Spont, Uni GoldX and Tata Neu compared — reward rates, caps and key exclusions.
26 May
The genuinely lifetime-free credit cards worth holding in 2026 — Amazon Pay ICICI, IDFC Millennia, IndusInd Tiger and more — with verified rewards and the catch on each.
22 May
Side-by-side math on the four big 80C options. Lock-ins, expected returns, tax treatment, and net rupees in your pocket after 15 years.
22 Apr
9 min
How much to save, where to park it, and how to actually build it on a regular salary — without wrecking your investment plan.
20 Apr
6 min
CIBIL scores between 300 and 900 decide loan approvals and rates. Here are the five factors, how much each one weighs, and how to move the needle.
16 Apr
7 min
A practical framework for choosing your first credit card — fees, rewards, fine print, and what actually matters for beginners.
15 Apr
Term cover should replace your economic value to your family — not round to the nearest crore. Here is how to size it properly.
12 Apr
The new regime is now the default. But the old regime still wins for many. A clear breakeven analysis using the FY 2026-27 slabs.
10 Apr
The 50/30/20 rule is a starting template, not a law. Here is how it actually works, where it breaks in India, and how to adapt it.
5 Apr
Extra ₹1L a year or ₹10K a month? Reduce tenure or EMI? Does it beat investing the same money? A numbers-first answer.
The honest answer depends on two variables: when you got the money, and whether the market is rising. Here is the math.
28 Mar