How to Change Your Mutual Fund Distributor or Switch to a Direct Plan
A lot of investors think these are the same thing. They are not. Changing your mutual fund distributor means updating which MFD services your existing holdings. Switching to a Direct Plan means changing the plan type, from Regular to Direct, which is treated as a transaction and can have tax consequences. The first one is […]
How to Find and Verify an AMFI-Registered Mutual Fund Distributor
You check the mutual fund before investing. But how often do you check the person recommending it? In India, a quick verification can tell you whether a mutual fund distributor is authorised to operate. Here’s exactly how to do it, what to look for, and what the warning signs are. How do I find an […]
What Features Should You Look for in a Portfolio Management Service?
The PMS industry in India has grown from ₹18 lakh crore in 2019 to over ₹42 lakh crore in 2026. More investors are exploring it. But most people start with the wrong question. They ask: “Which PMS has the best returns?” instead of asking “Does this PMS actually fits with what I’m trying to do?” […]
IRDAI’s Public Insurance Registry vs Bima Sugam: What’s the Difference?
India has over 50 insurance companies. Yet most policyholders still can’t see all their policies in one place. That’s the gap two major IRDAI initiatives are trying to fix, in very different ways. People are confusing the Public Insurance Registry vs Bima Sugam. The names sound similar. IRDAI is behind both. But they solve different […]
IRDAI’s Public Insurance Registry: How India’s Insurance Sector Could Change
India’s insurance sector connects policyholders, insurers, intermediaries, reinsurers, banks and regulators but the information they rely on remains fragmented across institutions, formats and systems. That could change with a proposal announced by the Insurance Regulatory and Development Authority of India (IRDAI) on September 1, 2026: the Public Insurance Registry (PIR), envisioned as a Digital Public […]
Mutual Fund Taxation in India 2026: LTCG, STCG & What Changed
If you’ve redeemed, switched, or even just held mutual funds this year, there’s something you should know. Some of the tax rules you remember may already be outdated. Equity funds now have different tax rates. Debt funds have lost their old long-term tax advantage. Gold and international funds have also seen changes in how they […]
ITR Deadline 2026: How Does Income Tax Act 2025 Affect Your Tax Return?
The Income Tax Act, 2025 came into force on April 1, 2026, but that does not mean your 2026 ITR automatically comes under the new law. If you are filing your AY 2026-27 income tax return, your return is still governed by the Income Tax Act, 1961. Why? Because AY 2026-27 covers income earned during […]
Rising Gold Prices & Lower Interest Rates: Gold Loan Vs Personal Loan
Gold prices have been unusually high this year. In India, domestic gold prices were around 59% higher year-on-year in Q2 2026, according to the World Gold Council. Prices have come down from their peak, but they are still at historically high levels. At the same time, more people are borrowing against their gold. The RBI […]
Zero GST on Health Insurance: How Much You Actually Save
If you have renewed a health or life policy in the last few months, you may have noticed something missing from the bill: the tax line. Since late 2025, individual health and life insurance premiums no longer carry the 18% tax they used to. It is one of the more visible changes to come out […]
RBI MPC August 2026: Will Your Home Loan EMI Fall? What Borrowers Should Know
As the RBI MPC August 2026 meeting approaches, many homeowners are asking one simple, practical question: will my home loan EMI finally come down? It is a fair thing to wonder. The repo rate has stayed put for a while now, home loan rates have not moved much, and every policy announcement brings a fresh […]
