Category
Personal Finance
4 articles
RBI Hiked to 5.50%: Should You Lock a Long FD Now?
The RBI raised the repo rate to 5.50% on 7 October 2026, yet SBI's 5-year FD still pays less than its 2-year one. The math on waiting versus locking in.
·12 min read
What the Market Mood Index Measures (and Doesn't)
The Market Mood Index on my SIP/FD calculator is three inputs and a weighted average. The exact arithmetic, worked by hand, and the things it cannot see.
·11 min read
SIP vs FD After Tax: The Actual Math
Most SIP vs FD comparisons use pre-tax numbers. Taxing both correctly widens the gap instead of narrowing it. Worked math at the 20% and 30% tax slabs.
·12 min read
Small Savings Schemes vs Debt Funds in 2026
The 2023 tax change ended indexation on debt funds. How PPF, NSC, SCSS and SSY compare to debt funds now, at the official Oct-Dec 2026 government rates.
·11 min read