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Primary markets
- How IPO Allotment Works in IndiaWhy most retail applicants don’t get shares, and how the SEBI lottery actually works.
- What is GMP in IPOGrey Market Premium explained, and how much weight you should actually give it.
- OFS vs Fresh Issue: Who Gets Your MoneyHyundai raised Rs 27,856 crore and kept none of it. Read the split before the GMP.
- What Is a DRHP? The IPO Document Nobody ReadsThe draft prospectus is the IPO company's first full confession. Which 20 pages to read in 20 minutes.
- SME IPO vs Mainboard IPOThe differences that matter: exchange, disclosure, liquidity, and risk.
- Cut-Off Price in an IPO: The One Checkbox Worth UnderstandingTick it unless you have a real reason not to. The mistake that quietly voids applications.
- IPO Listing Gains: Decide Which Game You Are Playing Before Listing DayThe one-line rule to write before allotment, the 20% STCG on the pop, and why listing day is the worst day to decide.
- What Happens If an IPO Is Not Fully SubscribedYour money comes back, and the failure itself is information. The 90% rule, underwriters, and the QIB trap.
- How to Check IPO Allotment StatusAll registrars: KFintech, Link Intime, Bigshare, in one guide.
- ASBA vs UPI for IPOs: Same Block, Different Front DoorWhat ASBA (Application Supported by Blocked Amount) does to your money, why UPI is a door to it rather than an alternative, and which route to use.
- Your Shares Are Not With Your BrokerWhat a demat account actually is, why your shares are not with your broker, and the one field worth checking today.
- India Primary Market BoomWhat is driving record IPO volumes, who benefits most, and how retail should approach it.
- What Is a Holding Company Discount?Starting from the Jio IPO - an interactive breakdown of how to value a conglomerate and why the market prices it below the sum of its parts.
Fixed income
- What Is a Bond? A Loan With a Price Tag That MovesCoupon, face value, maturity, and the see-saw between interest rates and bond prices. The one question that decides whether to buy.
- Fixed Income Investing in IndiaThe complete landscape: FDs, G-Secs, NCDs, SGBs, and how to build a debt portfolio.
- NCD vs FD: The Extra 2% Is a Price, Not a GiftWhat the gap between NBFC debenture rates and bank FD rates actually prices, and when an NCD is worth the risk.
- What Is an NCD? Lending to a Company Without Becoming Its OwnerNon-convertible debentures: fixed interest, no equity upside. Secured vs unsecured, what ratings miss, and the tax on coupons.
- RBI Retail Direct: Buy G-Secs Straight From the SourceNo broker, no bank, no commission. How non-competitive bidding works and who it suits.
- State Development Loans: The 0.7% the Market Pays You to WaitWhy SDL bonds yield about 0.7% more than G-Secs (7.83% cut-offs, September 2026), and how to buy at auction through RBI Retail Direct.
- 54EC Bonds: At 12.5% Tax, the Exemption Is No Longer the Obvious ChoiceThe 5.25% rate, 5-year lock-in and Rs 50 lakh cap, run against simply paying the capital gains tax. The arithmetic has flipped.
- SGB vs Gold ETF vs Physical GoldThree ways to own gold: returns, tax, and liquidity compared.
- If You Hold Sovereign Gold Bonds, Your Only Question Is When to ExitThe 8-year term, premature redemption windows after year 5, exchange discounts, and the tax change for secondary-market buyers.
- What Are REITs in IndiaHow Real Estate Investment Trusts work, the listed REITs, and who they’re suited for.
- InvITs: How to Own a Toll Booth on the Mumbai-Pune ExpresswayToll roads and power lines paying 8-10% cash yields. Why the payout is partly your own capital, and who InvITs actually suit.
- REIT vs InvIT vs a Second Flat: Three Different Currencies of RiskDated yields (Sep 2026): rent 2-3%, REITs 5.5-7.5%, InvITs ~10%. What each payout is made of and who each suits.
Personal finance
- Farming moneyPlanting the seeds of investing: a quick-start guide.
- How to Start Investing in India with ₹5,000 a MonthA simple, practical framework to get your money working from day one.
- Nifty 50 ETFThe simplest investment most Indians aren’t making, and why that’s a mistake.
- How to Build an Emergency Fund in IndiaHow much is enough, where to keep it, and what NOT to invest it in.
- The 100 Minus Age RuleDoes this old equity allocation thumb rule still hold up?
- GoldOn using gold to hedge against uncertainty and inflation.
- How Much Gold Should Be in Your Portfolio? The Boring Answer Is the PointThe 5-10% band, why jewellery does not count, and what to do after gold tripled to Rs 1.55 lakh per 10g.
- Investing vs TradingWhy most retail participants should not be trading, and the data behind that claim.
- Inflation in IndiaHow India’s inflation rate erodes savings accounts, FDs, and what actually protects you.
- What Are NFOsNew Fund Offers aren’t cheap just because the NAV starts at ₹10. Here’s why.
- P2P Lending in India: You Are the Credit Department NowThe 10-13% pitch vs the 7% reality after defaults. What the RBI 2025 Directions protect (the system) and what they do not (your money).
- Startup Investing Is Not a Retail Product, and That Is Mostly FineThe entry price is Rs 1 crore or accredited status. Why the gates exist, and what retail can actually do.
- Envy and UsOn how envy affects our trading and investment strategies.
- FOMO InvestingHow fear of missing out shows up in IPOs, crypto, and rallies, and what it costs you.
- Why Checking Your Portfolio Every Day Is Bad for Your WealthMyopic loss aversion, the research behind it, and how to check less without losing control.
- The Sunk Cost Fallacy in InvestingWhy you hold bad stocks too long, and the one question that breaks the trap.
- LTCG Tax on Equity in IndiaWhat changed in Budget 2024, the Rs 1.25 lakh exemption, and how to plan redemptions.
- SGB Is Gone. Its Tax Rules Are Not.No new tranches since 2024, and from April 2026 the tax-free exit belongs to original subscribers only.
- The Deductions Worth Chasing After 80CPick your regime first, then the few deductions that actually matter: employer NPS, 80CCD(1B), 80D.
- A Loss You Don’t Sell Is a Tax Break You WasteSet-off rules, the same-day buyback catch, and the March checklist.
Macro
Payments