cost-governance
7 articles
Should You Lock a Long FD Before the RBI Meets?
SBI Research expects the RBI to hike, not cut. At SBI's own rates, a 5-year FD already pays less than a 2-year one. The math on waiting versus locking.
SIP vs FD After Tax: The Actual Math
Most SIP vs FD comparisons use pre-tax numbers. Taxing both correctly does not narrow the gap, it widens it. The worked math at 20% and 30% slabs.
Agentic AI: Productivity Leap or Expensive Trend?
Uber burned its 2026 AI budget by April; Microsoft cut Claude Code seats. Yet the gains are real. Is agentic coding a leap or an expensive trend?
When AI Spend Becomes Waste: A Cost-Governance Framework
Enterprises will spend $665B on AI in 2026, yet 73% can't prove a return. A practical governance framework to stop experiments becoming budget leaks.
How to Measure ROI from AI in Engineering Teams
AI coding feels faster, but one study found developers 19% slower while feeling 20% faster. How to measure real AI ROI with DORA and SPACE.
Open-Source vs Paid AI Tools: Which Costs Less?
Open-source AI isn't free — it shifts cost from an API bill to your payroll. The real total cost of ownership, the break-even point, and how to choose.
2026: The Year AI Moves from Hype to Pragmatism
Why 'good enough' AI beats bleeding-edge for most use cases — the shift from hype to practical ROI, and what actually drives enterprise value.