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

SIP calculator for 10000 per month investment growth and wealth creation

SIP Calculator for ₹10,000 Per Month: How Much Wealth Can You Build?

Ashutosh Joshi Jun 19, 2026 4 min read

If you can invest ₹10,000 every month, a Systematic Investment Plan (SIP) can help you build substantial long-term wealth through the power of compounding. Whether your goal is retirement, a child’s education, buying a home, or achieving financial independence, understanding…

Best AI Tools for Finance Professionals

Top 5 Best AI Tools for Finance Professionals in 2026

Ashutosh Joshi Jan 3, 2026 16 min read

Why This Article Exists The numbers are no longer ambiguous. According to Gartner, 59% of finance leaders now use AI within their finance function. A separate estimate projects that by end of 2026, 90% of finance teams globally will run…

debt

How to Break Free from Debt in 2026: A Fresh Perspective on Financial Freedom

Ashutosh Joshi Apr 15, 2025 3 min read

The Debt Dilemma Debt isn’t just a number on a statement—it’s a psychological burden that can hold you back from living your best life. In 2026, with rising costs and economic uncertainty, managing debt isn’t just about math; it’s about…

Best child plan

Best Investment Plan for Your Child’s Future that Every Parent Should Invest

Ashutosh Joshi Mar 2, 2024 7 min read

बच्चों के जन्म के साथ ही माता-पिता उसके सुरक्षित भविष्य को सुनिश्चित करने की प्लानिंग शुरू कर देते हैं। माता-पिता अपने पूरा जीवन यह सुनिश्चित करने में लगा देते हैं कि उनके बच्चे का भविष्य सुरक्षित हो चाहे वह रहे…

What is PE ratio

क्या होता है पी/ई रेश्यो? शेयर खरीदने के लिए इसकी जानकारी क्यों महत्वपूर्ण है?

Ashutosh Joshi Mar 2, 2024 7 min read

यदि फुल फॉर्म की बात की जाए तो पी/ई अनुपात (PE Ratio) का अर्थ है कीमत-अर्जन अनुपात। टेक्निकल टर्म में कहा जा सकता है कि यह एक वैल्यूएशन मैट्रिक है जो निवेशक को यह जानकारी देता है की कंपनी के…

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