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

आयुष्मान भारत योजना

क्या है आयुष्मान योजना, कौन और कैसे हो सकते है इससे लाभान्वित?

Ashutosh Joshi Nov 14, 2023 6 min read

यदि हम आंकड़ों के माने तो भारत एक प्रगतिशील देश है जो नित्य नई प्रगति की ओर अग्रसर है। इस प्रगति में भारत वैश्विक रूप से आगे बढ़ रहा है किंतु इस तरक्की के दौरान ही देश के एक ऐसे…

NPS VS PPF

NPS vs PPF 2026: रिटायरमेंट के लिए कौन बेहतर? नए नियमों के साथ तुलना

Ashutosh Joshi Nov 6, 2023 6 min read

एनपीएस(NPS) और पीपीएफ(PPF) दोनों ही गवर्नमेंट द्वारा लांच किए गए रिटायरमेंट सेविंग स्कीम (Retirement saving schemes) है। दोनों का ही उद्देश्य फंड को नियमित रूप से सेव करने का है ताकि रिटायरमेंट के बाद की जिंदगी को सिक्योर किया जा…

PPF

PPF 2026: पब्लिक प्रोविडेंट फंड की योग्यता, ब्याज दर (7.1%), लोन और फायदे

Ashutosh Joshi Oct 17, 2023 8 min read

PPF (Public Provident Fund) अर्थात सार्वजनिक भविष्य निधि भारत सरकार द्वारा प्रदान की जाने वाली एक अत्यंत लोकप्रिय लॉन्ग टर्म बजट और निवेश योजना है। इसे 1968 में लॉन्च किया गया था। इसका उद्देश्य व्यक्तियों को रिटायरमेंट के लिए बचत…

best stockbroker in india

जानिए भारत के पांच लोकप्रिय स्टॉक/ट्रेडिंग ब्रोकर (2026)

Ashutosh Joshi Oct 13, 2023 5 min read

स्टॉक मार्केट में पैसा निवेश करना एक अच्छा विकल्प है जो आपको अतिरिक्त आय प्रदान करता है। किंतु यदि आपने नोटिस किया हो तो इसके एडवर्टाइजमेंट में इसके जोखिम भरा होने का ब्योरा अवश्य दिया जाता है। इसका मतलब यह…

Safe investment Options in 2023

Best Safe Investment Options in India with Good Returns (October 2026 Rates)

Ashutosh Joshi Oct 5, 2023 6 min read

Looking for a safe investment option with high returns in India? It is clear from your search that you are not willing to give risky exposure to your hard-earned money. One always opts for investment to generate earnings, which is…

Scroll to Top