Author: Rishi Bhardwaj

The way of investing in India has evolved in the past few years. In the past, our parents only believed in Fixed Deposits or Gold. Every young professional today desires to expand his or her wealth in the equity market. But the great question ever seems to be the same. Should you begin a Systematic Investment Plan (SIP) in mutual funds or just purchase stocks on their own? And there is no ideal answer as each individual has a dissimilar financial scenario. There are those who can follow the news of the companies every day, and those who only want…

Initial Public Offerings or IPOs are the buzzword in the Indian stock market. A new company is knocking on the doors of Dalal Street almost every week to collect money on behalf of the people. This is a golden opportunity to multiply their money overnight for an ordinary investor. We have read about individuals who struck it rich with Zomato or Tata Technologies and made colossal listing profits. But amidst the number of success stories, there is usually a back story of an investor who was left holding a dud IPO that plummeted immediately after its debut. Investing in an…

Trading at the stock market is akin to entering a busy bazaar with everybody screaming. It is sometimes difficult to know whom to trust or where to invest hard-earned money for an average Indian investor. This is exactly where the Securities and Exchange Board of India, or SEBI, comes into the picture. SEBI ensures that the big players don’t bully the small ones and that every transaction follows a set path in the world of finance. If you have ever wondered why your broker asks for so many documents or why certain stocks get suspended suddenly, you are seeing SEBI…

Most of the Indian retail investors get into the stock market as per the tips provided to them on WhatsApp or news channels. They purchase a stock because somebody told them that it would increase by a month, and then they begin to see their price begin to decline. This is because they are flying in the air without a map. That map in the trading world is referred to as Technical Analysis. Technical analysis is the art of understanding the past price movement so as to know the future price direction. It is premised on the fact that the…

You must have seen two names appearing everywhere that you have ever opened a news channel or scrolled through a finance app. These are the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE). These terms will seem like a maze to a novice in the Indian share market who is just beginning their trading journey. You may be asking yourself why we have two exchanges and whether it matters at all what exchange you buy your first stock. The fact is that, to create wealth in India, one should first learn about Dalal Street. Most individuals get into…

April is usually a month of new beginnings for us Indians because the new financial year starts now. Many of you might have received a year-end bonus, or perhaps you have finally managed to save a decent amount of surplus cash. Now the big question staring is where to put this money. Should you go for the safety of Gold or take a chance with the Equity market? Both assets are behaving very differently in the current Indian market of 2026. If you look at the last few months, you will notice that Gold has been hitting new highs almost…

If you have been investing in mutual funds through a local bank agent or a family friend who “handles” your portfolio, you might feel everything is going great. Your money is growing, and the market is up. But there is a silent leak in your bucket that most Indian investors don’t notice for years. This leak is called the distributor commission. A small portion of your wealth is being diverted away from your investment and into the pocket of an intermediary. Many people think that “regular” plans are free because they don’t pay a separate fee to their agent. This…

Most of us in India grew up watching our parents visit the local bank branch to park their savings in a Fixed Deposit. It is the ultimate “peace of mind” investment because we know our capital is safe. However, the biggest struggle with a traditional FD is the dilemma of choice. If you lock your money for five years to get a higher interest rate, you might face a crisis if you need cash tomorrow. On the other hand, if you keep it in a savings account or a short-term FD, you lose out on better earnings. This is exactly…

If you are looking at your bank balance and wondering where to park your money this April, then you are likely considering a Fixed Deposit (FD). The FD is still the “king” of investments for most Indian families because it offers peace of mind and guaranteed returns. However, the market has changed a lot in 2026. We are seeing a very interesting battle for your deposits, with the RBI maintaining the repo rate at 5.25%. Big public sector banks are playing it safe, while smaller players are offering mouth-watering rates to attract new customers. Choosing the right bank is no…

Gold is not just a metal for us in India. It is an emotion and a security blanket. Many of us grew up watching our parents visit the local jeweler every Dhanteras to buy a small coin or a chain. Carrying physical gold is risky, and storing it in bank lockers is getting expensive. This is why “Digital Gold” has become the talk of every household. You can buy it for as low as ₹10 using your UPI app while sitting on your sofa. It sounds perfect, but many people are now asking a very serious question. Is my digital…