Author Details

Personal finance for Indian households, explained with numbers.

Ashutosh Joshi, founder and editor of Diving Finance

Ashutosh Joshi

Founder & Editor, Diving Finance · PGDM (Finance), B.Com · New Delhi

I started Diving Finance because I kept noticing the same thing: most money advice online is either written to sell you a product or written by people who have never opened a loan agreement. I'm a finance graduate who has spent more than eight years in SEO, a lot of it for banks, insurers and lenders, so I've seen how this content gets made from the inside. Here I try to do it the other way round. I start with the actual numbers and only then decide what to say.

Most of what I write starts with a question a friend or family member has asked me. Should I prepay the home loan or keep my SIP running? Is a 7.5% FD actually beating inflation after tax? What does a repo rate change do to my EMI next month? If I can't answer it with a worked example in rupees, I don't publish it.

Credentials

  • PGDM (Finance)
  • B.Com
  • 8+ years building data-driven SEO, GEO (Generative Engine Optimisation) and AI SEO strategies for BFSI, FMCG, e-commerce and hospitality brands
  • Based in New Delhi, India

Results I've delivered

  • Leading insurance company: doubled organic traffic from about 49,000 to 1 lakh monthly visits in one year, with top-3 Google rankings on highly competitive keywords.
  • Luxury car rental brand: grew leads from 221 to 490 through SEO alone.

I mention these not to sell anything (I don't take client work through this site), but because they're why I care about getting the details right. In BFSI, a page that's wrong costs someone real money.

What I write about

  • SIPs and mutual funds: step-up SIPs, goal planning, and what happens when you stop
  • Fixed deposits: rate comparisons, tax on interest, laddering
  • Loans and EMIs: home loan prepayment, tenure vs EMI trade-offs
  • PPF and small savings: returns, lock-ins, and where they fit
  • RBI policy: repo rate moves and what they mean for borrowers and savers

You can run most of these numbers yourself with our free calculators.

How I research and check my work

  • Rates, rules and data come from primary sources: RBI, SEBI, AMFI, the Income Tax Department and the banks' own rate pages.
  • Every worked example is recalculated, and the formulas are explained on How We Calculate.
  • Posts carry a "last updated" date and are revised when rates or rules change.
  • No paid placements decide what I recommend. The full rules are in our Editorial Policy.
  • Nothing here is personalised investment advice. Please read the Disclaimer before acting on it.

Get in touch

Spotted an error, or have a question you'd like me to cover? Write to me through the contact page or connect on LinkedIn. I read everything and correct mistakes publicly.

My Blogs

Post List #3

FD interest rates October 2026, SBI vs Post Office comparison

FD Interest Rates October 2026: SBI vs Post Office, Post-Tax Returns and Where FDs Fit

Ashutosh Joshi Oct 21, 2026 8 min read

The RBI raised the repo rate to 5.50% on 7 October 2026, its first hike since February 2023, and dropped any talk of near-term cuts. If you have money sitting in a savings account or an FD coming up for…

Repo Rate Hike to 5.50% graphic with upward arrow: raise EMI, extend tenure or prepay your home loan

RBI Repo Rate Hike to 5.50%: Higher EMI, Extend Tenure, or Prepay Your Home Loan?

Ashutosh Joshi Oct 20, 2026 10 min read

RBI raised the repo rate to 5.50%. On a ₹50 lakh loan, EMI rises ₹788 a month; extending tenure instead costs ~₹3.28 lakh more interest.

Every 100 SIPs Started In July, 82 Ended

For Every 100 SIPs Started In July, 82 Ended. Your Calculator Doesn’t Know That

Ashutosh Joshi Aug 16, 2026 13 min read

AMFI’s July 2026 data shows 50.29 lakh SIPs ended against 61.44 lakh started. Every SIP calculator assumes you never stop — here’s what the maths actually says when you do, and why redeeming costs three times more than pausing.

Missed The ITR Deadline For AY 2026-27

Missed The ITR Deadline For AY 2026-27? The ₹5,000 Fee Is The Cheapest Part

Ashutosh Joshi Jul 30, 2026 23 min read

If you didn’t file your income tax return by 31 July 2026, the first number you’ll see quoted everywhere is ₹5,000. That’s the late fee under Section 234F. It is also, for most people reading this, the smallest thing you…

Open market buyback 2026

SEBI Open Market Buyback From 1 August 2026: What It Means For Retail Investors

Ashutosh Joshi Jul 30, 2026 13 min read

Every time a buyback is announced, the same question turns up in the comments here: “record date kab hai, main apply kaise karun?” Key Highlights What changed: SEBI reopened open market buybacks from 1 August 2026, after shutting the route…

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