The 80C Industry Lost Its Reason to Exist. Nobody Told the Sales Calls.
On the new regime, 'save ₹46,800' saves you zero. Run both regimes before January sells you another lock-in.
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Tag: India
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Indexation Removed: Taxed on Gains That Were Only Inflation
Sell at a real loss, pay ₹12.5 lakh anyway. What the 2024 change did, the grandfathering that patched…
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Your EPF Interest Arrives Fashionably Late — and It Costs You
Declared in March, credited whenever. Late interest misses its own compounding: ₹2 lakh across a career of doing…
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PPF Rates: The Formula the Government Ignores
G-sec plus 25 basis points, says the committee. The announcements say less, often. A quarter-point withheld is ₹89,000…
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APY’s ₹5,000 Pension: Fixed in 2015, Arriving in the 2050s
The slab never learned about inflation. Thirty years of discipline buys the purchasing power of ₹1,157. Keep the…
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Your Money Sleeps at 2.7% While the Bank Rents It Out at 9%
Idle balances are banking's favourite raw material. ₹3 lakh loses ₹78,000 in five years to the politest spread…
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The Insurance Hiding Inside Your Car Loan
A ₹25,000 premium, financed at 9.5%, protecting the bank, chosen by the bank, commissioned to the bank. You…
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No-Cost EMI Costs Exactly What It Says It Doesn’t
The discount you lost, the fee you paid, the GST on interest that 'doesn't exist' — about 26%…
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Rate Hikes Travel First Class, Rate Cuts Walk
Hikes reach your EMI in one reset; cuts take scenic routes. Know your reset date, or fund the…
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The Conversion Fee: Paying Your Bank to Stop Overcharging You
New borrowers get 8.5%; your loyalty pays 9.4%. One written request — and a few thousand in 'fees'…