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Financial Planning Infographics

Rubik’s cube (puzzle cube/magic cube) has an excellent resemblance to our lives – in particular our financial lives.  It is clear that in order to solve a Rubik’s cube puzzle you need to acquire a certain skill set. The irony is that although each puzzle [...]

Financial Planning Lessons from Cricket World Cup Final (2011)

Today formidable India will fight mighty Australia - no one can predict the result but let's hope result will be in our favor. Today everyone will be glued to TV or internet but let's refresh our memories before that..... Let's ride on time machine... 2015 >> [...]

10 Commandments of Investing – InfoGraphic

Just one word - investment?? And your response will be that you have been doing it since you were wearing half pants or a frock. Remember how you always managed your personal budget with your pocket money. You saved in earthen pots and pig faced [...]

Sukanya Samriddhi Yojana Account Review + download form

The launch of Sukanya Samriddhi Yoajna account was part of the 'Beti Bachao Beti Pada' campaign launched by the government. It is a Small Savings Special deposit Scheme for the girl child. Its not just other scheme to provide social benefits but a good long [...]

Which is the best ELSS Mutual Fund for 2015?

Which is the Mutual Fund for ELSS or which is the best Mutual Fund for SIP or which is the best term plan? This is the most common trick to ask secrets from Hemant. :) And as usual my answer is “There is nothing called [...]

Sabka Budget 2015-16 – Personal Finance Highlights

The finance minister, Arun Jaitley presented the Union Budget on February 28th 2015. There were lot of expectations from the budget as the BJP had promised a lot of things during the election campaign and after the won the elections. It has some steps that [...]

How to Stop Buying Things You Never Use?

When my friend did the annual Diwali cleaning ritual, he noticed that the cupboards had more stuff as compared to last year. Another funny thing he noticed was that there were plenty of things that he did not use for quite some time. Why did [...]

How to make the best use of Section 80C?

Section 80C of the Income Tax Act allows us to have certain investments and expenditure which can be exempt from tax.  We can plan our investments such that we can invest in appropriate investment options specified in this section and avail maximum tax benefit. Rs.1,50,000 [...]

Tax Treatment on NRI/PIO Term Deposits

Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs)  can have bank accounts in India. They can be of three types - NRE, NRO or FCNR accounts. NRE and NRO accounts can either be current, savings, or fixed deposit accounts. The FCNR account is [...]