Sanriya blog
Guides on mutual funds, bonds, deposits, tax forms and money habits, newest first.
175 articles · page 1 of 15
Investing basics
Goal-based investing is easiest to understand with real numbers. One Pune family, four goals, and how each goal gets a date, a target, an asset mix and a monthly SIP that fits a real budget.
· 6 min read
Mutual funds
Should you buy a flat or invest the same money in mutual funds? We compare a ₹1 crore flat with SIPs over 20 years after tax, and cover the factors the numbers leave out.
· 7 min read
Fixed deposits
Bank FDs are insured by DICGC up to ₹5 lakh per bank; corporate FDs pay more but are unsecured. Compare October 2026 rates, ratings, withdrawal rules and TDS.
· 8 min read
Tax & forms
Equity funds: 12.5% LTCG above ₹1.25 lakh after 12 months, 20% STCG. Debt funds bought after April 2023: slab rate. Full FY 2026-27 table, SIP and IDCW rules.
· 9 min read
Money habits
Prepaying a home loan gives a certain saving equal to your loan rate; a SIP may earn more but is uncertain. Here is how to compare the two after tax, why cutting tenure saves more than cutting EMI, and when a split makes sense.
· 7 min read
Mutual funds
A mutual fund distributor is paid trail commission by the fund house on Regular plans; a SEBI-registered Investment Adviser charges you a fee and uses Direct plans. Here is how the two models differ and who each suits.
· 7 min read
Mutual funds
A mutual fund portfolio review asks one question of every fund you hold: does it still have a job? Eight checks, in order, with what to look for and what to leave alone.
· 7 min read
Mutual funds
Two funds with different names can hold the same thirty companies. How overlap happens, how to measure it from a factsheet in ten minutes, how much is too much, and how to consolidate without a tax surprise.
· 5 min read
PMS & AIF
A portfolio management service is a SEBI-regulated account in which a manager runs shares and bonds held in your own name. How the ₹50 lakh minimum, mandate types, accounts and reporting work.
· 10 min read
PMS & AIF
An alternative investment fund is a SEBI-registered, privately pooled vehicle with a ₹1 crore minimum. Here is how its structure, PPM, units, drawdowns, tenure and exits work.
· 10 min read
Specialized Investment Funds
SIF, PMS and AIF compared on minimum ticket, ownership, shorting and leverage, liquidity, FY 2026-27 tax, reporting and costs, and why they are not rungs on a ladder every investor must climb.
· 10 min read
Specialized Investment Funds
A SIF is taxed like a mutual fund: trades inside the fund are not taxed, and you pay on redemption, switch or IDCW at rates set by whether the strategy is equity-oriented, debt-oriented or in between.
· 11 min read
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