PPF interest rates have been revised more than 20 times since the scheme launched in 1968 — from a high of 12% through the 1980s and 1990s down to today’s 7.1%. Understanding this history helps explain why the PPF account is still worth opening even at today’s lower rate, and what to expect if rates […]
An AMC (Asset Management Company) is the entity legally responsible for managing a mutual fund’s investment portfolio — deciding which stocks, bonds, or other securities to buy and sell on behalf of investors. Every mutual fund scheme you invest in, whether it’s SBI Mutual Fund, HDFC Mutual Fund, or any other fund house, is actually
STT (Securities Transaction Tax) is a direct tax the Indian government charges on every transaction of securities on a recognized stock exchange — including the purchase and sale of equity shares, derivatives, and equity-oriented mutual fund units. Unlike income tax, which is charged only when you make a profit, STT is deducted automatically on every
XIRR (Extended Internal Rate of Return) is the single most accurate way to measure how your mutual fund investments have actually performed — especially if you invest through a SIP rather than a one-time lump sum. Unlike simple return percentages, XIRR accounts for the exact date and amount of every cash flow in and out
Direct vs regular mutual fund — which one should you choose? This is one of the most common questions every mutual fund investor faces in India. The difference between direct and regular plans may seem small at first glance, but over 10-20 years, it can cost you lakhs of rupees in lost returns. In this
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