Beyond Net Worth: How to Measure the Quality of Personal Wealth
Beyond Net Worth: How to Measure the Quality of Personal Wealth A man with a net worth of two crore rupees can be one bad month away from trouble. Another man with eighty lakh can sleep soundly, pay every bill on time, and still be adding to his savings every quarter. Same country, same currency, […]
How Inflation Can Destroy Your Retirement Savings
How Inflation Can Destroy Your Retirement Savings You have done everything right. You started an EPF account the day you got your first job. You top up a PPF account every April. You have a mutual fund SIP running without a single missed month in six years. On paper, your retirement corpus looks healthy and […]
Car Loan vs Paying Cash: Which Is Financially Smarter?
Car Loan vs Paying Cash: Which Is Financially Smarter? You have the money sitting in your savings account. The car you want costs eight lakh rupees, and you could clear the whole amount today without touching a loan form. So why does almost everyone around you still take a car loan, even the ones who […]
How to Achieve Financial Independence Before 40 in India
How to Achieve Financial Independence Before 40 in India Most people in their late twenties ask the same question in different words. Can I get out of this job before I turn 40? Is financial independence in India even realistic for someone earning a regular salary, or is it a story that only works for […]
TDR in Real Estate: How Transferable Development Rights Can Increase Land Value
TDR in Real Estate: How Transferable Development Rights Can Increase Land Value Most property buyers in India have heard the term FSI. Fewer have heard of TDR, and fewer still understand what it actually does to the price of a plot. Yet TDR, or Transferable Development Rights, is one of the quiet forces behind why […]
FSI in Real Estate: How Mumbai, Bengaluru, Hyderabad, Amaravati and Vizag Compare
FSI in Real Estate: How Mumbai, Bengaluru, Hyderabad, Amaravati and Vizag Compare Every property buyer in India runs into three letters sooner or later: FSI. It sits quietly in the fine print of a builder’s brochure, yet it decides how tall a building can rise, how many flats a project can hold, and in many […]
How Much Do You Need to Retire Comfortably in India?
How Much Do You Need to Retire Comfortably in India? Ask ten people in India how much money they need to retire, and you will likely get ten different answers. Some will say one crore is more than enough. Others will tell you nothing less than five crore will do. The truth is that both […]
Commercial Property vs Residential Property: Which Investment Actually Pays Off?
Commercial Property vs Residential Property: Which Investment Actually Pays Off? Every property investor in India eventually runs into the same fork in the road. Do you put your money into a flat that a family will call home, or into a shop, office, or warehouse that a business will run out of? Both routes have […]
How Prepaying a Home Loan Can Save Lakhs in Interest
How Prepaying a Home Loan Can Save Lakhs in Interest Most people sign their home loan papers, note down the EMI amount, and forget about the number sitting quietly in the loan statement below it: the total interest payable. On a twenty year loan, that number is often larger than the home loan amount itself. […]
Retirement Planning at 30, 40 and 50: What Changes?
Retirement Planning at 30, 40 and 50: What Changes? Most people treat retirement planning as one decision made early and left alone. Buy an NPS account, start an SIP, forget about it until the fifties. That approach quietly fails a lot of Indians, because the plan that works at 30 is not the plan that […]