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

Financial freedom vs. financial independence

Financial Freedom vs. Financial Independence: How They’re Different

Ashutosh Joshi Aug 28, 2023 5 min read

Financial freedom and independence are confusing terms and often considered synonyms and can be used interchangeably, but they are distinct. Financial independence is a numeric goal, while financial freedom is a state of mind, and one, when considering these definitions,…

How does ulip work

How Does ULIP Work and Why One Should Buy ULIP?

Ashutosh Joshi Aug 16, 2023 4 min read

What is ULIP? Whatever the insurance plan is, the ultimate of buying the policy is to protect the family members from unforeseen future events. Among so many insurance policies, one is ULIP which is a multi-facet instrument and modern form…

Term Insurance vs Life Insurance

Understand The Difference Between Term Insurance and Life Insurance!!!

Ashutosh Joshi Aug 12, 2023 5 min read

When it comes to insurance on life, it is broadly categorized as life insurance and term insurance. Both are different and serve different purposes as well. The investment purpose or the investor’s intention, is also separate in both cases. Before…

ulip vs term

ULIP vs Term Plan 2026: Key Differences, Tax Rules and Which to Choose

Ashutosh Joshi Aug 9, 2023 5 min read

Term Plan vs ULIP A perfect financial portfolio includes an adequate mix of savings, investments, and insurance. It isn’t very easy to choose one among the numerous insurance instruments available in the market. Every insurance product serves a separate purpose,…

top brokers in india

Top Five Stock Brokers in India 2026

Ashutosh Joshi Aug 6, 2023 6 min read

Searching for such information and clicking to reach this page indicates that your intention is to open a demat or trading account for which you are looking for a top stock broker. It is quite confusing as you can discover…

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