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

KYC

What is KYC – Its Importance, Documents, Types & More

Ashutosh Joshi Jun 18, 2023 5 min read

What is the meaning of KYC?  It is an acronym, and you can quickly get its sense after knowing KYC full form. It stands for ‘Know Your Customer’; it is a process through which financial institutions like banks, Finance, and…

education loan

What is Education Loan? Benefits, Eligibility and Interest Rates (2026)

Ashutosh Joshi Jun 17, 2023 6 min read

Education has become a powerful catalyst for personal growth and career success in today’s rapidly changing world. The rising cost of education poses a significant financial challenge for many individuals and their families. Education loans have emerged as a vital…

term insurance riders

What is a Term Insurance Rider?

Ashutosh Joshi Jun 11, 2023 5 min read

In a term insurance plan, a rider is a provision of the same. These are used in insurance policies to change the terms of what would otherwise be a basic insurance plan and add benefits to the same. Through riders, you can…

digital saving account

What is a Digital Savings Account and Its Advantages

Ashutosh Joshi Jun 11, 2023 5 min read

Unlike the banking style ten years ago, we now have a much different and advanced banking solution. With the least possible hassles, we can now have an account opened with the bank of our choice. It is likely due to…

term insurance

Is Buying Term Insurance Online Safe? Essential Documents Needed for Term Insurance

Ashutosh Joshi Jun 11, 2023 4 min read

There is a good chance that you are buying a term insurance plan on the internet and find yourself worried if it would be safe or not. After all, you do not have any agent who can guide you in…

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