India wealth guides

Answer-first educational hubs for Indian investors — how many mutual funds to hold, XIRR vs CAGR, tax & SIP planning, retirement, equity/debt/gold allocation, Section 54EC bonds, emergency funds, term & health insurance needs analysis, WhatsApp wealth companion, and mutual fund portfolio hygiene — written with a CA-led Findost desk. PaisaGuru by Findost is our AI concierge. Findost (findost.io) and PaisaGuru by Findost are not affiliated with Findoc, FinDost, or other similarly named brands. PaisaGuru is the AI wealth concierge of Findost.

Next step

Start with a wealth / portfolio check

Reading the guides is a strong first step. When you want a structured hygiene conversation — goals, overlap, costs, tax awareness — message Findost on WhatsApp, or open the portfolio review methodology page.

WhatsApp wealth / portfolio checkSee portfolio hygiene review →

Official channel: WhatsApp +91 62052 47092 · Educational intake, not a buy/sell call.

New this month

Portfolio hygiene hub

Mutual fund portfolio review: a practical hygiene checklist for Indian investors

A Direct-answer hub for reviewing mutual fund portfolios: goals, overlap, costs, rebalancing and when to ask for help.

Fund overlap

Fund overlap: why too many mutual funds can still leave you concentrated

Why stacking similar mutual funds can create hidden concentration — and how to think about overlap hygiene.

Rebalancing

Mutual fund rebalancing guide for Indian investors

A practical rebalancing guide: set a target mix, review on a calendar or drift rule, prefer new SIPs before taxable sells.

Direct vs regular

SIP Direct vs Regular Mutual Fund India 2026: ₹ Cost Gap

Direct vs regular explained with ₹ tables: same portfolio, different expense ratio. SIP cost gap over 5–25 years, SEBI TER caps, switching checklist.

LTCG & tax harvesting

Equity & mutual fund LTCG tax harvesting (₹1.25 lakh) — educational guide for India

Educational hub on equity/MF LTCG, the ₹1.25L annual exemption band, and harvesting hygiene — FY-labelled, with Income Tax Dept primary links.

Old vs new tax regime

Old vs new tax regime in India: a practical decision framework

A decision framework for old vs new tax regime: total realistic deductions, slab trade-offs, and when to compute both — educational, FY-caveated.

SIP planning

SIP Investment Plan India: How Much SIP for Your Goal?

How much SIP for a goal: map corpus, years and assumptions, then use the SIP calculator — with step-up and emergency-fund sequencing.

Emergency fund

Emergency Fund India 2026: How Much (₹) & Where to Keep It

Emergency fund sizing (months of expenses) with a calculator, ₹ target tables, build-up chart and a 3-layer savings / liquid fund / FD plan — with SEBI and DICGC rules.

Term insurance needs

How much term insurance cover do you need? An educational needs analysis for India

How much term cover: income-replacement framing, add liabilities, subtract existing cover — educational, IRDAI-caveated, not a policy sale.

WhatsApp wealth companion

PaisaGuru by Findost on WhatsApp: what the wealth companion can and cannot do

WhatsApp wealth companion explained: PaisaGuru by Findost education 24×7, human escalation for personalised decisions, and Findost ≠ Findoc.

Health insurance basics

Health insurance basics for Indian families: cover sizing, employer gaps and top-ups

Health cover basics: employer-gap thinking, base + super top-up education, city/family factors — illustrative, not a policy sale.

Retirement planning

Retirement planning in India: an educational corpus & income framework

Retirement planning framework for India: replace expenses, size corpus, sequence SIPs and NPS/PPF education — link calculators when live.

Asset allocation

Asset allocation for Indian investors: equity, debt and gold education

Equity, debt and gold allocation education for India — goal horizons, risk framing, and a cross-link to rebalancing discipline.

Section 54EC bonds

Section 54EC capital gains bonds: educational guide for property sellers in India

Full Direct-answer guide to Section 54EC bonds for property LTCG — window, ₹50L cap, lock-in, interest tax, vs paying tax and investing freely.

How many mutual funds

How many mutual funds should I have in India? A practical count guide

How many mutual funds is enough in India: map funds to goals, watch category overlap, prefer a short understandable list over folio sprawl.

XIRR vs CAGR

XIRR vs CAGR for mutual funds in India: which return number to trust

XIRR vs CAGR explained for India: CAGR for single lumpsums over a period; XIRR when SIPs, switches or partial withdrawals make cash flows uneven.

TER gap data study 2026

Regular vs Direct plan cost in 2026: the TER gap across India's 50 largest equity funds

Data study: median Regular-vs-Direct TER gap of 0.785 percentage points across the 50 largest active equity funds (AMFI, 30 Sep 2026) and what it costs a ₹10,000 SIP.

Folios & overlap data

How many mutual funds do Indians hold? Folios, investors, SIPs and overlap (AMFI data, Sep 2026)

AMFI data, Sep 2026: 28.62 crore folios, ~6.29 crore unique investors (~4.5 folios each), 10.06 crore SIP accounts — and why more folios often means more overlap, not more diversification.

NPS 80:20 explainer

NPS 80:20 rule: what PFRDA's December 2025 exit change means for your pension in ₹

What PFRDA's December 2025 NPS exit amendments (80% lumpsum, 20% annuity, ₹8 lakh / ₹12 lakh thresholds) mean for monthly pension and tax, worked in rupees.

₹1 crore SIP plan

How much SIP for ₹1 crore? Monthly SIP by years and returns (2026 tables)

Monthly SIP needed for ₹1 crore by horizon and assumed return, with step-up, lumpsum and PPF routes and what ₹1 crore will be worth after inflation.

SIP vs FD vs PPF

SIP vs FD vs PPF 2026: returns, risk, lock-in and tax compared in ₹

Side-by-side comparison of equity SIPs, bank FDs/RDs and PPF with October 2026 rates, post-tax ₹ outcomes for ₹10,000 a month, and a goal-based way to choose.

SIP date data study

Best SIP date: does the day of the month matter? 13 years of AMFI NAV data

Findost tested all SIP dates (1st–28th) on AMFI NAVs for two UTI funds, Oct 2013–Sep 2026: the best and worst dates differed by 0.06–0.41 percentage points of XIRR.

Tax year (2025 Act)

Tax year vs assessment year: what changed under the Income-tax Act, 2025

From 1 April 2026 the Income-tax Act, 2025 uses one 'tax year' instead of previous year + assessment year. AY 2026-27 and Tax Year 2026-27 are different years of income.

Section mapping (2025 Act)

Income-tax Act 2025 section mapping: old to new numbers for salaried investors

A short, checked table of the 1961 → 2025 section numbers that matter to salaried investors, with the official CBDT utility for anything else.

SGB tax 2026

Sovereign Gold Bond redemption tax from April 2026: who still gets it tax-free

The Finance Act, 2026 narrowed the SGB exemption: only an original subscriber holding to maturity redeems tax-free. Everyone else pays capital gains tax.

Plan the maths next

Pair these guides with free Findost calculators — illustrative estimates only.

Educational content only — not personalised investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.