Sanriya blog
Everything we have written since the practice began: how the instruments work, what the forms mean, and the habits that make a plan hold. Newest first.
175 articles · page 1 of 15
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
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
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
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
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
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
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
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
PMS & AIF
SEBI's accredited investor framework lets investors who clear income or net worth tests go below the usual ₹1 crore AIF, ₹50 lakh PMS and ₹10 lakh SIF minimums. Here is how it works.
· 10 min read
PMS & AIF
Category I and II AIFs pass income to you with its character intact, with 10% TDS for residents; Category III AIFs pay tax at the fund level. How it works for FY 2026-27, with forms, losses and a worked example.
· 11 min read
PMS & AIF
Three SEBI-regulated routes to a long-short strategy compared: Category III AIF (₹1 crore, leverage up to two times NAV), SIF (₹10 lakh, unhedged shorts up to 25% of net assets) and PMS (₹50 lakh, your own shares).
· 11 min read
PMS & AIF
A step-by-step PMS due diligence checklist: verify the manager, read its track record against the APMI benchmark, and weigh strategy fit, concentration, churn, fees, exit terms and red flags.
· 10 min read
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