How Much SIP for ₹1 Crore? Start Age vs Monthly Amount
Start a SIP at 25 and you need about ₹2,600 a month for ₹1 crore by 60. Wait until 35 and it’s ₹7,500. See the full age-wise table.
Mutual Fund Behaviour Gap: Why Investors Earn Less
Investors often earn less than the funds they own. See India and global data, a worked SIP example, and a 6-step plan for the next 20% market fall in India.
Debt Mutual Fund Taxation in India: Rules, Rates & Examples
How are debt mutual funds taxed in India? Slab rate for units bought after April 2023, 12.5% LTCG for older units, worked examples and FD comparison.
How to Switch Mutual Funds: Steps, Tax Rules and Exit Load (2026 Guide)
Switching a mutual fund means redeeming units of one scheme and investing in another. It is taxed as a redemption: equity funds attract 20% STCG within 12 months and 12.5% LTCG after, with ₹1.25 lakh of annual LTCG exempt. Exit load may also apply.
Mutual Fund Nominee vs Legal Heir in India: Who Actually Inherits Your Investments?
A nominee receives your mutual fund units after your death, but that does not make them the owner. Your Will and succession law decide who inherits. This guide explains the difference, the 2026 SEBI nomination and claim rules, and how to keep your nominations and Will aligned.
Mutual Fund Redemption: How It Works, Cut-Off Time, Exit Load & Tax Explained
A complete guide to mutual fund redemption in India how NAV is applied, the 3 PM cut-off rule, exit load, capital gains tax, ELSS lock-in, and when you should actually redeem versus hold.
Mutual Fund Consistency vs Returns: How to Actually Evaluate a Fund Before Investing
A practical guide to evaluating mutual funds beyond one-year and three-year return rankings covering rolling returns, drawdown risk, risk-adjusted metrics, portfolio concentration and style drift, with a framework SJS Finserve uses to review client portfolios.
Retirement Corpus in India: How Much You Need, With Worked Examples
A practical guide to calculating your retirement corpus in India. It shows how to project future expenses with inflation, compares the 25x rule with the more conservative 28–33x range, factors in existing assets such as EPF, PPF and NPS, and turns the result into a monthly investment target.
Mutual Fund Risks Explained: A Practical Guide to Understanding and Managing Investment Risk
A practical breakdown of the real risks behind mutual fund investing market, credit, liquidity, interest rate, inflation and behavioural and how disciplined portfolio construction helps manage them, from the research-based advisory team at SJS Finserve.
Term Insurance vs Endowment Plan: Which One Actually Protects Your Family Better?
Term insurance offers higher life cover at lower cost, while endowment plans combine insurance with savings but at a higher premium. Here’s how to decide which one actually fits your financial goals.