Sanriya blog
Guides on mutual funds, bonds, deposits, tax forms and money habits, newest first.
175 articles · page 3 of 15
NRI & GIFT City
A plain guide to GIFT City (IFSC) funds: what they are, the AIF categories and scheme types, who can invest, how residents use LRS, currency, minimums, tax and the paperwork.
· 7 min read
PMS & AIF
Investing in an AIF means committing at least ₹1 crore, signing the PPM, paying capital calls over 12 to 24 months, waiting out a multi-year lock-in for distributions or a unit transfer, and reporting pass-through income on Form 64C or Form 78.
· 7 min read
NRI & GIFT City
A sober look at GIFT City taxation for non-residents and residents: which exemptions sit at the fund level, what reaches you, how repatriation compares with NRE and NRO accounts, and who the structure actually suits.
· 7 min read
Mutual funds
A plain comparison of mutual funds, PMS and AIFs on minimums, regulation, liquidity, fees, taxation, return reporting and accredited-investor relaxations, with a simple ladder for layering them as your portfolio grows.
· 9 min read
Specialized Investment Funds
A plain guide to the seven SIF strategies SEBI permits, with each one's allocation floor, short exposure cap, sector limit, horizon, risk and the mutual fund category it most resembles.
· 7 min read
Mutual funds
For a mutual fund investor, a SIF keeps the SEBI framework and the tax rules but adds shorting, concentration, a ₹10 lakh minimum and a five-level risk band; here is what to check before using one as a satellite.
· 7 min read
Specialized Investment Funds
A Specialized Investment Fund is SEBI's 2025 pooled product that sits between a mutual fund and a PMS: ₹10 lakh minimum, seven permitted strategies, up to 25% unhedged shorts, and mutual fund taxation.
· 7 min read
Tax & forms
The Power of Tax Deferment: Let Your Money Grow, Not Your Tax Burden! When you invest, how your gains are taxed can make a huge difference to your final wealth. Two common types of investments…
· 3 min read
Money habits
A personal or household budget is an itemised list of expected income and expenses that helps you plan how you’ll spend or save your money as well as track your actual spending habits. Tracking your…
· 4 min read
Investing basics
A Consolidated Account Statement (CAS) is a comprehensive report that brings together all your mutual fund transactions and holdings into a single document. Whether you’re investing for retirement…
· 2 min read
Mutual funds
The new rule regarding the applicable Net Asset Value (NAV) for mutual fund transactions, which occurred on February 1, 2021, requires that the NAV for all purchase transactions be determined based…
· 4 min read
Mutual funds
Mutual funds are a popular investment choice for diversifying their portfolios and achieving financial goals. However, navigating the complexities of mutual fund investments requires expertise. A…
· 2 min read
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