Walk into any showroom in 2025 and the sales adviser will talk price, variants and waiting periods. The next thing they quietly slide across the desk is the tax sheet. That sheet matters. It decides how far a budget stretches, whether a buyer chooses petrol, diesel, CNG, hybrid or an EV, and even which model […]

Whenever friends chat about moving abroad, one line draws the loudest reactions: “no income tax.” In everyday conversation, that line becomes a shortcut for tax free countries. In practice, the phrase almost always points to places where personal income tax on salary is zero, while other levies—VAT or GST, excise on fuel or sugary drinks, […]

Every large capital decision—opening a new plant, launching an app, buying a rental property—boils down to “cash out today, cash in tomorrow.” Managers and investors need a clean way to compare such cash-flow patterns. IRR helps by converting those uneven numbers into a single yearly rate. The IRR full form in finance is Internal Rate […]

The conversation around XIRR vs CAGR shows up every time an investor tries to decode a portfolio statement, a mutual fund fact sheet, or a back-tested model. Both are annualised return measures, but they answer slightly different questions. XIRR and CAGR sit next to each other in many dashboards, and yet a reader often wonders […]

For most mutual fund investors, money doesn’t go in as one lump sum. It is added bit by bit through SIPs, occasional top-ups, and sometimes partial redemptions. Because these cash flows happen on different dates and amounts, a single “beginning to end” return is misleading. That is where xirr becomes useful. It gives a single […]

For a saver who wants better returns without giving up access to cash, the FD sweep in facility is a neat bridge between a savings account and a fixed deposit. It links the two so idle money earns FD rates while day-to-day payments still go through. This guide keeps it simple and lists the sweep […]

Most people tap both cards every week, but when the goal is a stronger credit score, the difference between Credit Card and Debit Card is not just a bank detail; it shapes how lenders see someone. One spends saved money, the other borrows for a short period and reports that behaviour to bureaus. Once this […]

For many households, mutual funds sit right next to FDs in the “serious money” bucket. The first thing they look for is clarity on mutual fund capital gains tax—what gets taxed, when it gets taxed, and at what rate. In the context of Mutual fund taxation India, two ideas decide the bill: the type of […]

Life throws surprises. A job pause, a hospital bill, or an urgent family trip can arrive without warning. An Emergency fund calculator helps put a number to that “just-in-case” money so an investor does not scramble later. For emergency savings India has its own realities: joint families, single-income homes, and rising health costs. A clear […]