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

NAV

Things You Need To Know About Mutual Fund NAV

Ashutosh Joshi Sep 21, 2023 5 min read

MF NAV stands for mutual fund Net asset value, which represents the unit price of the mutual fund. It is the price at which one may purchase or sell the mutual fund. NAV is an indicator of the market value…

best investment options

5 Best Investment Options for Millennials in 2026

Ashutosh Joshi Sep 18, 2023 7 min read

Millennials, also known as Generation Y, are often described as more willing to take risks than Gen X. They never feel satisfied with the fixed earnings and the merger returns generated from those selected sources of revenues. Gen Y has…

SIP vs RD

SIP vs RD: Which is a Better Investment Option in 2026?

Ashutosh Joshi Sep 9, 2023 5 min read

Regarding investment avenues, Bank fixed deposits, and mutual funds are the best options for retail investors, but recurring deposits and SIP mutual funds are the best options if one wishes to invest in regular savings. Looking into the broader investment…

Term Plan with Return of Premium

Term Plan with Return of Premium (TROP): A Comprehensive Guide (2026)

Ashutosh Joshi Sep 5, 2023 6 min read

The ultimate goal of a person is to keep his family safe and secure. Being with the family is the biggest blessing. Investing in financial instruments helps one to acquire income security and create wealth for future goals. The top…

types of loan

What is a Loan: Know The Definition and Types of Loan

Ashutosh Joshi Aug 28, 2023 7 min read

If you want to know the different types of loans, then you have hit the correct link. But before entering into the in-depth study of loan types, we must understand what is loan? In simple terms, the loan is an…

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