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

Tax System in India

Tax Structure in India 2026: Direct Tax, GST and the New Income-tax Act Explained

Ashutosh Joshi Aug 1, 2023 6 min read

Taxes are one of the most significant income sources for the government of India. Amount from your salary, watching a movie at the cinema, purchasing any product online or offline, getting fuel into your car from the filling station, and…

itr filing

Top 10 Benefits of Filing Income Tax Return (ITR) in India (2026 Guide)

Ashutosh Joshi Jul 29, 2023 5 min read

Income tax return (ITR) filing is a mandatory task in India, and you must file it every year if your income before deductions is above the basic exemption limit, or if you meet other conditions such as holding foreign assets…

life insurance vs health insurance

What is The Difference between Life Insurance and Health Insurance

Ashutosh Joshi Jul 24, 2023 6 min read

Securing a financial safety net for you and your family is the best feeling. Insurance is one such product available in the market that can help you arrange a financial safety net. But when buying insurance products, there is a…

What is ULIP – Full Form, Types, Benefits, Returns and 2026 Tax Rules

What is ULIP – Full Form, Types, Benefits, Returns and 2026 Tax Rules

Ashutosh Joshi Jul 20, 2023 5 min read

What is ULIP? Unit-linked insurance plan, popularly known as ULIP, is a multi-faceted investment product that offers the dual benefit of insurance coverage as well as investment exposure in equities or bonds. It means, along with getting life insurance protection…

Deductions under section 80C

Section 80C (Now Section 123) Deductions: Full List for FY 2026-27

Ashutosh Joshi Jul 14, 2023 6 min read

The Indian taxation system is designed so that the higher the income, the higher you need to pay the tax. Though everyone wants to escape from the paying tax, it is the liability of every individual to pay off the…

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