Archive
25 stories from the Shvash Tantra archive.
Demat 2.0 Explained: What SEBI’s New Tokenised Bond System Means for Indian Investors SEBI and RBI have launched Demat 2.0, a new pilot that could change how corporate bonds are issued, settled and serviced in India. But
The Richest Financial Decision Isn't Buying More. It's Repeating the Right Habits. Most people think wealth comes from earning a massive salary. Reality is far less glamorous. Across India, there are teachers, engineers,
Priya from Bengaluru pays ₹6,000 every month on Swiggy, Amazon, and electricity bills. Her friend Ananya pays the exact same amount, but gets ₹360 back every month, that is ₹4,320 a year, just by using the right credit c
FY 2026-27 just started. Your ₹1.5 lakh Section 80C limit has reset to zero. If you wait until March to invest, you will either rush into the wrong product or miss out on 11 months of compounding. Here is a plain-languag
If you have some savings sitting in your bank account earning 3–4% interest, you are quietly losing money to inflation. Fixed Deposits (FDs) are still one of the safest ways to make your money grow — and right now, in Ap
Most people think a credit card is a debt trap. That is only true if you misuse it. When used correctly, a credit card is one of the smartest financial tools available in India. You are spending money anyway, on grocerie
Every month, millions of Indians quietly invest small amounts and build big wealth. And in early 2025, this habit crossed a record that nobody expected. SIP (Systematic Investment Plan a way to invest a fixed amount in m
क्या आपने कभी सोचा है कि हर महीने बस ₹500 लगाकर बड़ा पैसा बनाया जा सकता है? Mutual Fund में यही होता है। आपको न कोई बड़ी रकम चाहिए, न कोई finance की डिग्री। बस सही जानकारी और एक छोटी सी शुरुआत। Mutual Fund क्या होता है?
The Income Tax Act that governed India since 1961 was officially retired on April 1, 2026. A brand new law took its place. Your tax rates have not changed — but several things that directly affect your salary, your HRA c
Everyone around you is doing SIP. But are they doing it right? Most investors are carrying at least one dangerous myth that's quietly hurting their returns. Let's clear the air once and for all. Why SIP Myths Are So Dang
With March 31 just days away, millions of Indian taxpayers are scrambling to make a choice that could save — or cost — them thousands of rupees. The question everyone is asking: Old tax regime or new tax regime — which o
To start investing in mutual funds in India, define your goal, complete KYC, and begin a SIP on a SEBI‑registered platform. Choose funds based on your risk tolerance, review once or twice a year, and stay consistent. Mut
📌 Key Takeaways Wars are not market endings — they are market resets. The investor who panics sells at the bottom; the one who prepares buys at the inflection. When bombs drop, oil spikes — but India's energy transition
Building a Solid Financial Foundation: Essential Strategies for Wealth Growth In today's dynamic economic landscape, establishing and maintaining a robust financial foundation is paramount for long-term security and pros
New Post > HTML view ============================================================--> The State Bank of India and Amundi jointly initiate a 10% stake sale in SBI Funds Management Limited - the firm behind iconic products
In a significant move to streamline long-term financial planning for retail investors, the Securities and Exchange Board of India (SEBI) has introduced a new category of mutual funds: Life Cycle Funds . These funds are d
When it comes to retirement planning in India, the National Pension System (NPS) has become one of the most popular investment options—thanks to its flexibility, tax benefits, and decent historical returns. If you're try
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In today’s economic world, one of the most misleading narratives we often hear is: “Your money grows in the bank.” While it’s true that the money in your savings account might increase due to interest, the real value of
Debt can feel like a heavy weight, can’t it? I’ve been there—last year, I was juggling credit card bills after a big family wedding in Hyderabad, and the stress kept me up at night. But then I turned to the Upanishads, t
Let’s be real—managing money feels like a battle sometimes, doesn’t it? Between rising costs, festival shopping, and those sneaky online sales, it’s easy to lose track. I’ve been there—like last Diwali, when I went overb
Smartphones are not just for endless WhatsApp chats or Instagram reels. In 2025, it’s a goldmine waiting to be tapped, especially for us Indians juggling jobs, studies, and dreams. Whether you’re a student in Kanpur, a w
सपने तो हम सब देखते हैं—कभी गोवा की ट्रिप, कभी नई बाइक, या बच्चों की पढ़ाई का खर्चा। लेकिन क्या आपने सोचा है कि ये सपने पैसे के बिना कैसे पूरे होंगे? मैंने पिछले साल म्यूचुअल फंड में निवेश शुरू किया, और आज मेरे पास एक छो
Key Points SBC Exports Limited has extended the record date for its 1:2 bonus share issue to March 10, 2025, from March 5, 2025, giving shareholders more time to qualify. The company, known for silk and wool hand-crafted
Budgeting is the cornerstone of financial management, enabling individuals and families to plan, track, and manage their finances effectively. In India, where the culture of savings is strong, but awareness of financial
Breaking Free from the EMI Trap: A Beginner's Guide Equated Monthly Installments (EMIs) have become a popular way to finance big-ticket purchases like homes, cars, and gadgets. While they offer the convenience of spreadi