India’s household savings rate has dropped to a concerning low of 5.3% in recent years. This means that for every ₹100 earned, Indian households are saving barely ₹5 after accounting for their debts and expenses. With the average salaried employee earning around ₹9.45 lakh annually and facing an 8.9% salary increment in 2026, understanding how

Nikhil still remembers the day he walked into his bank in 2015, excited to start his investment journey. The relationship manager smiled warmly and helped him complete the forms for a mutual fund that promised substantial returns. What Nikhil didn’t know then was that a simple checkbox—one that said “Regular Plan”—would cost him nearly ₹30

Have you ever stood in front of a restaurant menu with 50 dishes, completely paralysed by choice? That’s exactly how most people feel when they first look at the stock market. Thousands of companies, endless options, and one terrifying question: What if I pick the wrong one? To solve this problem, there are mutual funds.