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

money saving tips

How to Save Money in 2026: 7 Practical Money Saving Tips for the Future

Ashutosh Joshi Jul 13, 2023 5 min read

Spending on wants and needs is human nature. People indeed earn money to spend, spend to buy necessities, happiness, and luxuries. But saving money is equally essential. As per an old proverb, one must keep savings for a rainy day.…

Mutual Funds

Mutual fund – The Money Game!

Ashutosh Joshi Jul 3, 2023 8 min read

The mutual fund market is the most lavish and trendy investment market attracting investors. If you listen to financial advisors, you will know, it is the best investment option to get the highest returns. There are various categories of mutual…

Life Insurance

What is Life Insurance? Benefits, Types of Policies and 2026 Tax Rules

Ashutosh Joshi Jul 3, 2023 6 min read

Life is precious, but alongside it is uncertain too. The family’s breadwinner often bothers to fulfill all his responsibilities towards his family before he leaves the world. But as we discussed, life is uncertain; hence, life insurance is the best…

Tax Regime

Old vs New Tax Regime FY 2026-27: Which Is Better for You?

Ashutosh Joshi Jun 24, 2023 6 min read

The Indian taxation system went through a drastic change when the new tax regime was introduced in Budget 2020 and made the default in Budget 2023. Budget 2025 then cut new-regime rates sharply, and from 1 April 2026 both regimes…

income tax slab

Income Tax Slabs FY 2026-27: New vs Old Regime Rates and Rebate

Ashutosh Joshi Jun 19, 2023 7 min read

For an economically and financially diverse country like India, it is unfair to levy tax equally on every individual. That is the reason why we follow a progressive tax system. It means that the individual with a higher income is…

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