# Diving Finance

> Personal finance guides for Indian investors — in Hindi and English


## Posts

- [IPOs This Week (26 Oct to 2 Nov 2026): Dates, Price Bands and How to Check Jio Platforms Allotment](https://divingfinance.com/ipos-this-week-26-oct-2-nov-2026-jio-platforms-allotment-status/): Four mainboard IPOs open for bidding between 26 and 30 October 2026, according to the BSE and NSE issue lists. Jio Platforms closed on 23 October. Its basis of allotment is due on or about Monday, 26 October.
- [30-Year Home Loan + SIP: Does a Long Tenure Really Pay Off?](https://divingfinance.com/30-year-home-loan-sip-strategy/): Short answer: a 30-year home loan pays off only if you actually invest the EMI you save and that money earns more than your loan costs. On a ₹50.00 lakh loan at an assumed 8.5%, the 30-year EMI is ₹38,446 against ₹43,391 for 20 years, a gap of ₹4,945 a month. Put that gap in an equity SIP and you need roughly 8.78% a year to break even with the 20-year borrower by year 20 (9.48% after 12.5% LTCG and 4% cess). At an assumed 12% you come out about ₹14.48 lakh ahead at year 20; at 8% you end up […]
- [FD Interest Rates October 2026: SBI vs Post Office, Post-Tax Returns and Where FDs Fit](https://divingfinance.com/fd-interest-rates-october-2026/): The RBI raised the repo rate to 5.50% on 7 October 2026, its first hike since February 2023, and dropped any talk of near-term cuts. If you have money sitting in a savings account or an FD coming up for renewal, that changes the maths a little. This guide covers where FD rates stand today, what ₹1 lakh actually earns after tax, and where an FD still belongs in your money plan. Key Highlights Rates now: SBI pays 6.25% for 1 year, 6.40% for 2 years and 6.05% for 5–10 years (general public, below ₹3 crore). The Post Office 5-year Time […]
- [RBI Repo Rate Hike to 5.50%: Higher EMI, Extend Tenure, or Prepay Your Home Loan?](https://divingfinance.com/repo-rate-hike-home-loan-emi-vs-tenure-2026/): RBI raised the repo rate to 5.50%. On a ₹50 lakh loan, EMI rises ₹788 a month; extending tenure instead costs ~₹3.28 lakh more interest.
- [For Every 100 SIPs Started In July, 82 Ended. Your Calculator Doesn't Know That](https://divingfinance.com/sip-stoppage-ratio-amfi-2026/): AMFI's July 2026 data shows 50.29 lakh SIPs ended against 61.44 lakh started. Every SIP calculator assumes you never stop — here's what the maths actually says when you do, and why redeeming costs three times more than pausing.
- [Missed The ITR Deadline For AY 2026-27? The ₹5,000 Fee Is The Cheapest Part](https://divingfinance.com/missed-itr-deadline-ay-2026-27/): If you didn’t file your income tax return by 31 July 2026, the first number you’ll see quoted everywhere is ₹5,000. That’s the late fee under Section 234F. It is also, for most people reading this, the smallest thing you lost. Key Highlights The fee: Late filing costs ₹5,000 under Section 234F, or ₹1,000 if total income is ₹5,00,000 or less. It does not grow the longer you wait. Interest: Section 234A adds 1% a month on unpaid tax. It is nil if TDS and advance tax already covered your tax. Lost losses: A belated return cannot carry forward capital or […]
- [SEBI Open Market Buyback From 1 August 2026: What It Means For Retail Investors](https://divingfinance.com/open-market-buyback-sebi-2026/): Every time a buyback is announced, the same question turns up in the comments here: “record date kab hai, main apply kaise karun?” Key Highlights What changed: SEBI reopened open market buybacks from 1 August 2026, after shutting the route in April 2025. No application: There is no record date, form or entitlement. The company simply buys on NSE or BSE for up to 66 working days. Tax: Buybacks from 1 April 2026 are taxed as capital gains on your profit, at 12.5% long term or 20% short term, with the ₹1.25 lakh LTCG exemption. Guardrails: An open market buyback must […]
- [SIP Calculator for ₹10,000 Per Month: How Much Wealth Can You Build?](https://divingfinance.com/sip-calculator-for-%e2%82%b910000-per-month-how-much-wealth-can-you-build/): If you can invest ₹10,000 every month, a Systematic Investment Plan (SIP) can help you build substantial long-term wealth through the power of compounding. Whether your goal is retirement, a child’s education, buying a home, or achieving financial independence, understanding the potential growth of a ₹10,000 monthly SIP can help you plan better. Paying a home loan? See how the EMI you save with a longer tenure can fund a SIP in our 30-year loan plus SIP plan. Key Highlights The table: At an assumed 12% a year, ₹10,000 a month grows to ₹23 lakh+ in 10 years, ₹50 lakh+ in […]
- [Top 5 Best AI Tools for Finance Professionals in 2026](https://divingfinance.com/top-5-best-ai-tools-for-finance-professional/): Why This Article Exists The numbers are no longer ambiguous. According to Gartner, 59% of finance leaders now use AI within their finance function. A separate estimate projects that by end of 2026, 90% of finance teams globally will run at least one AI-enabled tool. Meanwhile, mid-market companies that have deployed AI are reporting an average 35% ROI — approaching the 41% threshold that finance leaders define as a true success benchmark. Key Highlights Adoption: Gartner says 59% of finance leaders use AI in their finance function. Mid-market firms report an average 35% ROI. Planning and research: Anaplan users report up […]
- [How to Break Free from Debt in 2026: A Fresh Perspective on Financial Freedom](https://divingfinance.com/how-to-break-free-from-debt-in-2025/): The Debt Dilemma Debt isn’t just a number on a statement—it’s a psychological burden that can hold you back from living your best life. In 2026, with rising costs and economic uncertainty, managing debt isn’t just about math; it’s about mindset. Let’s explore how to transform your relationship with debt and create a path to true financial freedom. Key Highlights Hidden cost: Debt costs more than interest. Every rupee spent on it is a rupee you cannot invest, and the stress affects health and relationships. Debt waterfall: List debts by interest rate, pay minimums on all, put extra money on the […]
- [Best Investment Plan for Your Child's Future that Every Parent Should Invest](https://divingfinance.com/best-investment-plan-for-your-child/): बच्चों के जन्म के साथ ही माता-पिता उसके सुरक्षित भविष्य को सुनिश्चित करने की प्लानिंग शुरू कर देते हैं। माता-पिता अपने पूरा जीवन यह सुनिश्चित करने में लगा देते हैं कि उनके बच्चे का भविष्य सुरक्षित हो चाहे वह रहे अथवा नहीं। भविष्य की चिताओं में सबसे बड़ी चिंता उच्च शिक्षा तथा शादी की होती है जिसके समय पर्याप्त पैसा हो तो कोई व्यवधान नहीं आता। यदि आप भी अपने बच्चों के भविष्य को सुनिश्चित करना चाहते हैं तो आपको उसकी उम्र तथा जीवन के उद्देश्य के आधार पर इन्वेस्टमेंट का प्लान सिलेक्ट करना चाहिए। इन दिनों बच्चों के भविष्य को […]
- [क्या होता है पी/ई रेश्यो? शेयर खरीदने के लिए इसकी जानकारी क्यों महत्वपूर्ण है?](https://divingfinance.com/what-is-pe-ratio/): यदि फुल फॉर्म की बात की जाए तो पी/ई अनुपात (PE Ratio) का अर्थ है कीमत-अर्जन अनुपात। टेक्निकल टर्म में कहा जा सकता है कि यह एक वैल्यूएशन मैट्रिक है जो निवेशक को यह जानकारी देता है की कंपनी के शेयर किस कीमत पर ट्रेडिंग कर रहे हैं तथा उन शेयर्स की संभावित आय की वृद्धि दर क्या है। पीई अनुपात या मूल्य-आय अनुपात किसी कंपनी के शेयर की वर्तमान कीमत का उसकी प्रति शेयर आय के संबंध में अनुपात है।  मुख्य बातें क्या है: पी/ई रेश्यो किसी शेयर की वर्तमान कीमत और प्रति शेयर आय (EPS) का अनुपात है। फॉर्मूला: […]
- [गोल्ड ईटीएफ (Gold ETF) 2026: निवेश, टैक्स और फायदे की पूरी जानकारी](https://divingfinance.com/gold-etf-investment-know-about-deatils/): यह बात तो सर्व विदित है कि भारतीयों की सोने के प्रति एक अलग ही रुचि है। दुनिया के लिए जहां यह सिर्फ एक निवेश की चीज है भारतीयों के लिए एक भावनात्मक जुड़ाव के साथ इसका अधिक मूल्य है। हम कह सकते हैं कि सोने के साथ प्राचीन भारतीय संस्कृति की विशेषता जुड़ी हुई है तथा भारतीय लोग सोने में निवेश करने के लिए सदैव तत्पर होते हैं। समय के साथ सोने में निवेश करने के लिए अब ऑनलाइन तथा ऑफलाइन दोनों ही विकल्प मौजूद होते हैं। इसमें ऑफलाइन विकल्प में सोने के आभूषण सोने के सिक्के सोने की बिस्किट्स […]
- [स्कैल्प ट्रेडिंग क्या है: स्कैल्पिंग कैसे काम करती है](https://divingfinance.com/what-is-scalp-trading/): स्काल्पिंग(Scalping) एक व्यापारिक रणनीति है जिसके लिए व्यापारी को कई व्यापार करने की आवश्यकता होती है। यह रणनीति उन व्यापारियों के लिए है जो बेहद कम समय सीमा के अंदर मुनाफे पाना चाहते हैं। यदि आप इसके विषय में विस्तृत जानकारी चाहते हैं तो निम्नलिखित लेख आपको यह संपूर्ण जानकारी प्रदान करेगा।  मुख्य बातें क्या है: स्काल्पिंग में ट्रेडर दिन में कई बार बहुत छोटे मूल्य अंतर से छोटा-छोटा मुनाफा कमाते हैं। समय सीमा: एक स्काल्पर 5 सेकंड से 1 मिनट तक की सबसे छोटी समय सीमा पर ट्रेड करता है, जबकि डे ट्रेडर कुछ घंटों तक पोजीशन रखता है। लिक्विडिटी […]
- [भारतीय बाजार में निवेश के लिए 10 बेहतरीन म्युचुअल फंड्स - Top 10 Mutual Funds in India](https://divingfinance.com/top-10-mutual-funds-in-india/): म्युचुअल फंड(Mutual fund) निवेश का एक अत्यंत सहूलियत प्रदान करने वाला साधन हैं जो आपको निवेश के अच्छे विकल्प प्रदान करता है। वैसे तो म्युचुअल फंड काफी ट्रेंड में है किंतु बहुत से लोग आपको ऐसे मिल जायेंगे जिनको म्युचुअल फंड और इनमे इन्वेस्ट करने के तरीकों को लेकर कन्फ्यूजन रहता है। निवेशक मैक्सिमम रिटर्न्स चाहते है किंतु ये जानकारी नहीं होती की किस फंड में इन्वेस्ट करना बेहतर होगा। म्युचुअल फंड निवेश बाजार जोखिमों के अधीन है। इस लेख में बताए गए फंड उदाहरण हैं, सिफारिश नहीं; निवेश से पहले स्कीम से जुड़े सभी दस्तावेज ध्यान से पढ़ें। मुख्य बातें […]
- [डिजिटल रुपया (e₹) क्या है? e-RUPI से अंतर, फायदे और इस्तेमाल का तरीका](https://divingfinance.com/digital-currency-what-is-e-rupi-benefit-and-how-to-use/): इस संसार में जहां तेजी से सारी चीज डिजिटल होती जा रही है और डिजिटल परिवर्तन हमारे जीवन का एक अटूट हिस्सा बन चुका है, वहां digital currency का होना कोई आश्चर्य की बात नहीं है। डिजिटाइजेशन की वजह से देश के हर प्रतिष्ठित संगठनों जैसे स्कूल, बैंक, अस्पताल आदि में कामकाज पूर्णतः डिजिटल हो चुका है। डिजिटल इंडिया की इस पहल को संपूर्ण बनाने के प्रयास में भारतीय रिजर्व बैंक ने 1 दिसंबर 2022 से आम लोगों के लिए डिजिटल रुपया (e₹) का पायलट शुरू किया, जो RBI के अनुसार अक्टूबर 2026 में भी पायलट के रूप में ही चल […]
- [EPF और PPF के बीच अंतर जानें - ईपीएफ VS पीपीएफ](https://divingfinance.com/difference-between-epf-vs-pp/): जब भी निवेश का नाम आता है तो दो फाइनेंशियल टर्म्स ईपीएफ(EPF) और पीपीएफ(PPF) दोनों का ही फिक्र जरूर होता है। नाम में लगभग एक समान होने के कारण निवेदक अक्सर कंफ्यूज हो जाते हैं। कभी-कभी तो इनका नाम इंटरचेंज करके इस्तेमाल करते हैं। पर वास्तविकता में दोनों एक दूसरे से भिन्न है। विस्तार से जानते हैं की ईपीएफ तथा पीपीएफ क्या है, और उनके बीच क्या अंतर है।  मुख्य बातें मूल अंतर: EPF नौकरीपेशा लोगों के लिए EPFO की स्कीम है, जबकि PPF केंद्र सरकार की स्कीम है जिसे कोई भी भारतीय नागरिक खोल सकता है। EPF योगदान: बेसिक सैलरी […]
- [क्या है आयुष्मान योजना, कौन और कैसे हो सकते है इससे लाभान्वित?](https://divingfinance.com/what-is-ayushman-card-yojna/): यदि हम आंकड़ों के माने तो भारत एक प्रगतिशील देश है जो नित्य नई प्रगति की ओर अग्रसर है। इस प्रगति में भारत वैश्विक रूप से आगे बढ़ रहा है किंतु इस तरक्की के दौरान ही देश के एक ऐसे तबके की ओर हमारी नजर जाती है जो आर्थिक रूप से पिछड़ा है। हम उसे तबके की बात कर रहे हैं जो मात्र अपने जीवन यापन के लिए दो वक्त की रोटी भी मुश्किल से कमा पाते हैं ऐसे में अगर जटिल बीमारी या उनके इलाज की बात आए तो महंगाई के चलते इस तबके के लोगों को अस्पताल में उपचार […]
- [NPS vs PPF 2026: रिटायरमेंट के लिए कौन बेहतर? नए नियमों के साथ तुलना](https://divingfinance.com/retirement-plans-nps-vs-ppf/): एनपीएस(NPS) और पीपीएफ(PPF) दोनों ही गवर्नमेंट द्वारा लांच किए गए रिटायरमेंट सेविंग स्कीम (Retirement saving schemes) है। दोनों का ही उद्देश्य फंड को नियमित रूप से सेव करने का है ताकि रिटायरमेंट के बाद की जिंदगी को सिक्योर किया जा सके। पर सोचने योग्य बात तो यह है कि जब दोनों ही स्कीम एक समान है तो फिर इन दोनों के होने का क्या तात्पर्य है जबकि एक से ही उद्देश्य की पूर्ति हो सकती है? दोनों ही स्कीम्स में क्या अंतर है तथा इनमें से किसे चुना बेहतर होगा? यदि आप इन सवालों के बीच जूझ रहे हैं तो हम […]
- [PPF 2026: पब्लिक प्रोविडेंट फंड की योग्यता, ब्याज दर (7.1%), लोन और फायदे](https://divingfinance.com/ppf-full-form-interest-rate-and-benefits/): PPF (Public Provident Fund) अर्थात सार्वजनिक भविष्य निधि भारत सरकार द्वारा प्रदान की जाने वाली एक अत्यंत लोकप्रिय लॉन्ग टर्म बजट और निवेश योजना है। इसे 1968 में लॉन्च किया गया था। इसका उद्देश्य व्यक्तियों को रिटायरमेंट के लिए बचत करने और फ्यूचर के लिए फंड इकट्ठा करने को प्रोत्साहित करने के लिए किया गया था। चुकी यह योजना केंद्र सरकार द्वारा ऑफर की गई है इस योजना में इन्वेस्ट किए गए पैसे का रिटर्न सेफ और गारंटीड है। इस योजना का उद्देश्य छोटे निवेशकों को लाभ पहुंचाना तथा निवेश के लिए इनकरेज करना है। यह एक लॉन्ग टर्म Investment plan […]
- [जानिए भारत के पांच लोकप्रिय स्टॉक/ट्रेडिंग ब्रोकर (2026)](https://divingfinance.com/top-5-stock-or-trading-broker-in-india-2023/): स्टॉक मार्केट में पैसा निवेश करना एक अच्छा विकल्प है जो आपको अतिरिक्त आय प्रदान करता है। किंतु यदि आपने नोटिस किया हो तो इसके एडवर्टाइजमेंट में इसके जोखिम भरा होने का ब्योरा अवश्य दिया जाता है। इसका मतलब यह है कि आप चाह कर भी स्टॉक ट्रेडिंग खुद नहीं कर सकते हैं इसके लिए आपको सेबी द्वारा रजिस्टर्ड किसी अच्छे ब्रोकर के पास डीमैट और ट्रेडिंग अकाउंट खुलवाना जरूरी है तभी आप शेयर खरीद या बेच सकते हैं। अब सवाल यह होता है कि कौन सा ट्रेडिंग ब्रोकर सबसे अच्छा है जिस पर आप भरोसा कर सकते हैं। आखिरकार हम […]
- [Best Safe Investment Options in India with Good Returns (October 2026 Rates)](https://divingfinance.com/safe-investment-options-with-high-returns-in-india-2023/): Looking for a safe investment option with high returns in India? It is clear from your search that you are not willing to give risky exposure to your hard-earned money. One always opts for investment to generate earnings, which is also high returns. So, the ultimate combination one wants is high returns with less risk, and acquiring it is next to impossible. The biggest reason is that the stock, finance, and investment markets work on risk, where high returns are directly proportional to the risk. That means the higher you expose your money to risk, the higher the returns will be, […]
- [Things You Need To Know About Mutual Fund NAV](https://divingfinance.com/things-you-need-to-know-about-mutual-fund-nav/): 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 of Mutual funds. Unlike shares and stocks, for which the price fluctuates every second, the NAV of the mutual fund scheme is determined daily at the end of the trading day. The cost of the mutual fund is determined by the closing price of all the securities held in the respective scheme following SEBI mutual fund regulation. As the market value […]
- [5 Best Investment Options for Millennials in 2026](https://divingfinance.com/6-best-investment-options-for-millennials-in-2023/): 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 a high-risk appetite and is willing to generate higher returns by investing in high-risk investment options. The equity market has given a plethora of investment options to get high returns. The young generation is inclined towards the best investment plan with the perfect combination of tax saving and optimal returns. Key Highlights Who: Millennials (born 1977–1995) can take more risk and […]
- [SIP vs RD: Which is a Better Investment Option in 2026?](https://divingfinance.com/sip-vs-rd-which-is-a-better-investment-option-in-2023/): 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 aspect, we will discover two separate instruments: debt and equity. When one invests in equity, the person gets the ownership, while debt is the lending of money wherein the investee will owe you money. If we talk about RD or SIP, then RD, also known as the recurring deposit, is purely a debt product where the Bank owes you the principal […]
- [Term Plan with Return of Premium (TROP): A Comprehensive Guide (2026)](https://divingfinance.com/term-plan-with-return-of-premium-trop-2023/): 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 priority of every individual is to save the family members from unforeseen unfortunate events. Buying a life insurance policy is the most appropriate solution to fulfill such an objective. The best approach for such a purpose is term life insurance. Term life plan with return on the premium is a variant of term insurance plan that is designed to create a […]
- [What is a Loan: Know The Definition and Types of Loan](https://divingfinance.com/what-is-a-loan-know-the-definition-and-types-of-loan/): 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 amount that a party borrows with a commitment of future payment of the entire principal value in addition to interest on the amount. Technically, a loan is a credit vehicle in which a party lends money to another party in reciprocity for future payment of the interest at a specific prescribed rate on the principal in addition to the principal balance. […]
- [Financial Freedom vs. Financial Independence: How They’re Different](https://divingfinance.com/financial-freedom-vs-financial-independence-how-theyre-different/): 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, can successfully move ahead in the economic arena. Both have their own importance, so let us learn more about them in detail. Key Highlights Independence: Having enough income, savings and investments to cover your current lifestyle without working. Rule of thumb: A common target is a net worth of 25 times your annual expenses. Freedom: A step further: enough passive income […]
- [How Does a ULIP Work? Charges, Lock-in and Who Should Consider One](https://divingfinance.com/how-does-ulip-work-and-why-one-should-buy-ulip/): 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 of insurance plan which offers insurance coverage as well as investment exposure in bonds, equities, or a combination of both. Thus, ULIP creates more worth for investors. Read more here – What is ULIP? Key Highlights What it is: A ULIP combines life cover and market investment. Part of the premium buys insurance; the rest goes into equity, debt or balanced […]
- [Understand The Difference Between Term Insurance and Life Insurance!!!](https://divingfinance.com/understand-the-difference-between-term-insurance-and-life-insurance/): 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 we analyze the difference between term and life insurance, we must know what they are. Key Highlights Term insurance: Pure protection: pays a death benefit, cheap premiums, nothing back at maturity unless you choose TROP. Life insurance: Covers death plus maturity and survival benefits, with part of the premium going to savings. Cost: Term plans cost much less for the same […]
- [ULIP vs Term Plan 2026: Key Differences, Tax Rules and Which to Choose](https://divingfinance.com/difference-between-ulip-and-term-plan-understanding-key-differences/): 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, but you must be clear about your purpose and make a perfect match with the insurance instrument. Though the ultimate objective for buying a financial instrument is only to secure the future of loved ones, as financial security serves different causes of life, they are available in various kinds. Any two financial instruments can contradict each other. Two such plans are […]
- [Top Five Stock Brokers in India 2026](https://divingfinance.com/top-five-stock-brokers-in-india/): 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 more than 300 registered stock brokers in India on SEBI and other stock exchanges. A handful of large brokers account for a big share of active clients, so the choice usually comes down to a few names. So, stay contented, as you have reached the right platform to get the right piece of information regarding the list of top five stock […]
- [Tax Structure in India 2026: Direct Tax, GST and the New Income-tax Act Explained](https://divingfinance.com/tax-structure-in-india-learn-indian-tax-system/): 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 even driving your vehicle on roads, you pay taxes in numerous ways. Key Highlights Two kinds: Indian taxes are direct (paid straight to the government) or indirect (paid through goods and services). Direct taxes: Income tax, securities transaction tax (STT) and capital gains tax (LTCG or STCG). Who runs it: Direct taxes are governed by the Central Board of Direct Taxes […]
- [Top 10 Benefits of Filing Income Tax Return (ITR) in India (2026 Guide)](https://divingfinance.com/top-10-benefits-of-filing-income-tax-return-itr-in-india/): 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 or wanting to carry forward a loss. Such government tasks seem very time-consuming and monotonous, but they also bear certain benefits. The financial year runs from April to March. For most individuals who don’t need an audit, the due date is 31 July after the year ends, so for tax year 2026-27 (the first year under the Income-tax Act, 2025) it […]
- [What is The Difference between Life Insurance and Health Insurance](https://divingfinance.com/what-is-the-difference-between-life-insurance-and-health-insurance/): 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 lot of confusion. Which option is best to opt for? Which category of investment is most suitable to ensure the future? People usually split between life insurance and health insurance. Both provide a separate set of advantages. Now, it is your decision which one to opt for? – Life insurance, where you cover your family with financial security in your absence; […]
- [What is ULIP – Full Form, Types, Benefits, Returns and 2026 Tax Rules](https://divingfinance.com/what-is-ulip-ulip-full-form-types-benefits-and-returns/): 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 for you and your family, this instrument gives you the potential to make wealth. Under this scheme, a small portion of your investment goes towards insurance coverage. In contrast, the remaining money is pooled with the assets of other investors and invested in either equities or bonds or even in both. Key Highlights What it is: A ULIP gives life cover […]
- [Section 80C (Now Section 123) Deductions: Full List for FY 2026-27](https://divingfinance.com/deductions-under-section-80c-of-income-tax-in-india/): 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 tax before the due date. However, you can not escape from the paying tax, but you can avail the tax deductions to reduce your tax burden. Key Highlights The limit: Section 80C, now section 123 of the Income-tax Act, 2025 (from 1 April 2026), lets individuals and HUFs deduct up to ₹1.5 lakh a year, but only in the old tax […]
- [How to Save Money in 2026: 7 Practical Money Saving Tips for the Future](https://divingfinance.com/how-to-save-money-7-money-saving-tips-for-the-future/): 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. A sudden job loss, a medical bill or a sharp market fall can arrive without warning, and the people who handle them best are usually the ones with savings already in place. The ups and downs of market trends, recessions, and emergencies in life are the events that encourage one to keep saving, as in such a contingency period, a penny […]
- [Mutual fund – The Money Game!](https://divingfinance.com/mutual-fund-the-money-game/): 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 funds, and you must know them all to make a wiser investment decision by creating a portfolio that can help you meet your financial motive. But before that, you must understand what are mutual funds and how they work. Key Highlights What it is: Many investors pool money that a fund manager at an AMC invests for them. Units and NAV: […]
- [What is Life Insurance? Benefits, Types of Policies and 2026 Tax Rules](https://divingfinance.com/what-is-life-insurance-benefit-types-of-life-insurance-policies/): 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 way to secure your family so that you will fulfill all your responsibilities while alive or even after your death. So let us analyse, what is life insurance and what is life insurance policy. Key Highlights What it is: A contract where you pay premiums and the insurer pays your family on death, or you at maturity. Benefits: Risk cover, loan […]
- [Old vs New Tax Regime FY 2026-27: Which Is Better for You?](https://divingfinance.com/old-tax-regime-vs-new-tax-regime-which-is-better-in-2023/): 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 sit in the new Income-tax Act, 2025 (the new regime is section 202). To everyone’s surprise, the new tax regime slab was declared the default one though the old one will continue to exist. For FY 2026-27 (tax year 2026-27), a salaried person in the new regime pays no tax up to ₹12.75 lakh of salary, thanks to the ₹75,000 standard […]
- [Income Tax Slabs FY 2026-27: New vs Old Regime Rates and Rebate](https://divingfinance.com/income-tax-slab-and-rates-fy-2023-24/): 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 taxed more than those with a lower income. For efficiently implementing the tax policy, the individuals are divided into groups according to the income tax slabs as per their incomes.  Key Highlights Progressive tax: Higher income means a higher tax rate. Two regimes: Choose old or new; the new one is the default. What you give up: The new regime drops […]
- [What is KYC - Its Importance, Documents, Types & More](https://divingfinance.com/what-is-kyc/): 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 insurance companies can procure the information relevant to their customers’ identity and other credentials. It helps against money laundering or fraud and controls funding for terrorist activities. Key Highlights Meaning: KYC (Know Your Customer) is how banks and insurers verify identity to stop fraud and money laundering. Documents: Aadhaar, driving licence, passport, PAN or voter ID. Types: Aadhaar-based eKYC online or […]
- [What is Education Loan? Benefits, Eligibility and Interest Rates (2026)](https://divingfinance.com/what-is-education-loan-benefits-and-eligibility/): 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 resource in India to bridge this gap and allow students to pursue their academic dreams. Key Highlights What it covers: Tuition, accommodation, study materials and more, in India and abroad. Repayment: A moratorium means no repayments until studies finish. Credit: Paying on time builds a good credit history. Bottom line: Compare interest rates and plan the EMI before you borrow. Education […]
- [What is a Term Insurance Rider?](https://divingfinance.com/what-is-a-term-insurance-rider/): 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 get extra benefits such as extra coverage. At times, these riders could limit and restrict your coverage as well. You also need to keep in mind that if you decide to add riders to your policy you would have to pay a higher premium than what may have otherwise happened. However, since in most of these cases, you need little underwriting […]
- [What is a Digital Savings Account and Its Advantages](https://divingfinance.com/what-is-a-digital-savings-account-and-its-advantages/): 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 the digitization of banking services. Key Highlights What it is: A savings account opened online with Aadhaar, PAN, email and mobile. Benefits: Instant transfers, alerts, and interest on your balance. Free transfers: Unlimited free NEFT and RTGS transfers, though most accounts still ask for a minimum balance. Bottom line: Good for easy access to an emergency fund. Recently, We have noticed […]
- [Is Buying Term Insurance Online Safe? Essential Documents Needed for Term Insurance](https://divingfinance.com/is-it-safe-to-buy-a-term-insurance-online-documents-required-for-term-insurance/): 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 this case. That could mean you make such a mistake that it costs your family members when they need the policy the most. However, you need not worry. Just keep a few things in mind and you should have no issues with such a plan.  Key Highlights Honesty: Fill the online proposal form fully and truthfully. Affordability: Check the premium fits […]
- [Term Insurance – Types, Benefits, and Tips for Buying Term Insurance](https://divingfinance.com/what-is-term-insurance/): We usually see a newbie wondering about life insurance and brainstorming to get the answers to various such questions as what is term life insurance? Is it better than whole life insurance? What are the types of term insurance? What benefit could I draw if I invested in term life insurance? If you are the one to get the answer to such questions, then let’s understand term insurance in a better and more in-depth manner to get all the answers.  Key Highlights What it is: Pure life cover: the nominee gets the sum assured if you die within the term. Types: […]
- [Top Investment Mistakes and Investment Tools People Should Know While Investing](https://divingfinance.com/top-10-investment-mistakes-people-make/): Mistakes are an essential part of the learning curve. If you don’t make a mistake you don’t get to know what is right and what is wrong for you. There are two ways of learning from these experiences. One is called a smart path, where you learn from the mistakes of others. The second one is an expensive path where you make your own mistakes and learn from there. These apply in the field of investment as well. However, there is a lot of money which is at stake here. Therefore the best strategy would be to go with the smart […]
- [Demat Account: A Comprehensive Guide](https://divingfinance.com/demat-account-need-and-charges/): A demat account is a repository for all the assets you purchase on the stock market. It is exactly like a savings account. However, instead of holding money, it holds all your securities. So in a way, it is similar to a savings account but different at the same time. Let us look at the details of a demat account: Key Highlights What it is: An electronic account that holds your shares, like a savings account holds money. Opening: Pick a depository participant, submit PAN, address proof, photos and a cancelled cheque, then complete verification. Charges: Opening is usually free, but […]
- [How Much Should I Invest In Life Insurance?](https://divingfinance.com/how-much-should-i-invest-in-life-insurance/): Are you buying a new life insurance policy? In that case, you may think how much money you should invest so you have the ideal amount of coverage for your situation. Well, there is a simple method of calculation that you can use in these cases. It comes to you from the insurers. They tell you that if you buy a policy where the sum assured is around 10 times your present yearly salary it would be a reasonable amount. You can also try another method in this case. You can multiply the years you have for your retirement with your yearly salary. […]
- [What is Whole Life Insurance?](https://divingfinance.com/what-is-whole-life-insurance/): Insurance is defined in different ways by different people. For some insurance is something to fall back on in case of financial atrocities, for some, it is a ray of hope that their prized people/possessions will be taken care of, while for others it is mere reimbursements. In technical terms, insurance is a contract between two parties- the insurer and the insured, wherein the insured pays an X amount in X intervals to the insurer in return for financial protection for the future. Insurance can be broadly classified into life and non-life insurance. As the name says, life insurance plans cover the life […]

## Pages

- [Personal Finance Glossary (India)](https://divingfinance.com/glossary/): By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer This glossary explains 85 Indian money terms in plain English, each with a worked Indian example where it helps. Tax terms use the new Income-tax Act, 2025 section numbers. Use the search box or the A–Z bar to jump to any term. Key Highlights 85 Indian personal finance terms explained in plain English, from SIP and XIRR to repo rate and section 123. Tax terms use the new Income-tax Act, 2025 section numbers, with the old 1961 numbers alongside. Where it helps, each term has a […]
- [CPI Inflation India: Latest Rate (Sep 2026) & Monthly History](https://divingfinance.com/rates/cpi-inflation-india/): Home › Rates › CPI inflation By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer Retail inflation was 5.54% in September 2026 (provisional, MoSPI, base 2024=100), released on 12 Oct 2026. Any savings earning less than that after tax are losing buying power. The next release is due on 12 Nov 2026. Key Highlights Retail inflation was 5.54% in September 2026 (provisional), up from 4.83% in August. Rural inflation (6.08%) ran above urban (4.88%). Inflation has risen every month in 2026, from 2.74% in January. The data uses MoSPI’s new CPI series, base 2024=100. Next […]
- [EPF Interest Rate 2025-26 (8.25%) & History Since 1952](https://divingfinance.com/rates/epf-interest-rate/): Home › Rates › EPF interest rate By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer EPF interest for 2025-26 is 8.25%, notified by EPFO on 1 July 2026, the same as 2024-25 and 2023-24. At 6% inflation that is a real return of about 2.12%. Key Highlights EPF interest for 2025-26 is 8.25%, notified by EPFO’s credit order of 1 July 2026. 8.25% was also the notified rate for 2024-25 and 2023-24. The highest rate was 12% (1989-90 to 1999-2000); the lowest since 1978-79 was 8.10% in 2021-22. Interest is worked out on the […]
- [Kisan Vikas Patra (KVP) Interest Rate (Oct–Dec 2026) & Doubling Period History](https://divingfinance.com/rates/kvp-interest-rate/): Home › Rates › KVP interest rate By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer KVP pays 7.5% a year on certificates bought 1 Oct – 31 Dec 2026: your money doubles in 115 months (9 years 7 months). The interest is taxable and there is no tax deduction. Key Highlights KVP pays 7.5% a year; certificates bought 1 Oct – 31 Dec 2026 double in 115 months (9 years 7 months). 7.5% and 115 months have applied since April–June 2023. Since 2016 the doubling period has ranged from 110 months (7.8%) to 124 […]
- [National Savings Certificate (NSC) Interest Rate (Oct–Dec 2026) & History](https://divingfinance.com/rates/nsc-interest-rate/): Home › Rates › NSC interest rate By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer NSC pays 7.7% a year, compounded yearly and fixed for 5 years, on certificates bought 1 Oct – 31 Dec 2026. ₹10,000 becomes about ₹14,490 at maturity. Key Highlights NSC (VIII issue) pays 7.7% a year, compounded yearly and paid at maturity, for certificates bought 1 Oct – 31 Dec 2026. 7.7% has applied since April–June 2023, up from 7.0%. ₹10,000 grows to about ₹14,490 in 5 years. Deposits qualify for section 123 (old 80C) in the old regime. […]
- [Senior Citizens' Savings Scheme (SCSS) Interest Rate (Oct–Dec 2026) & History](https://divingfinance.com/rates/scss-interest-rate/): Home › Rates › SCSS interest rate By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer SCSS pays 8.2% a year, paid every quarter, for accounts opened 1 Oct – 31 Dec 2026, and that rate is fixed for 5 years. ₹30 lakh (the maximum) pays ₹61,500 a quarter, or ₹20,500 a month on average. Key Highlights SCSS pays 8.2% a year, paid every quarter, for accounts opened 1 Oct – 31 Dec 2026. 8.2% has applied since April–June 2023. Your rate is locked for the 5-year term when you open the account. The maximum […]
- [Sukanya Samriddhi Yojana Interest Rate (Oct–Dec 2026) & History](https://divingfinance.com/rates/sukanya-samriddhi-interest-rate/): Home › Rates › SSY interest rate By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer Sukanya Samriddhi pays 8.2% a year, tax-free, for 1 Oct – 31 Dec 2026 (unchanged since January 2024). ₹1.5 lakh a year for 15 years could grow to about ₹71.82 lakh when the account matures at 21 years, if the rate holds. Key Highlights SSY pays 8.2% a year for 1 Oct – 31 Dec 2026, unchanged. It has been 8.2% since January–March 2024, when it rose from 8.0%. The lowest rate since 2016 was 7.6%, from April 2020 […]
- [Post Office Interest Rates (Oct–Dec 2026): TD, RD, MIS & Savings](https://divingfinance.com/rates/post-office-interest-rates/): Home › Rates › Post Office interest rates By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer Post Office schemes for 1 Oct – 31 Dec 2026 are unchanged: Time Deposits pay 6.9%–7.5%, RD pays 6.7%, MIS pays 7.4%, and the Savings Account pays 4.0%. The Monthly Income Scheme pays ₹5,550 a month on ₹9 lakh. Key Highlights Oct–Dec 2026: Time Deposit 6.9% / 7.0% / 7.1% / 7.5% for 1/2/3/5 years, RD 6.7%, MIS 7.4%, savings 4.0%. All unchanged. These rates have not changed since January–March 2024, when the 3-year TD went from 7.0% […]
- [PPF Interest Rate (Oct–Dec 2026) & History Since 1968](https://divingfinance.com/rates/ppf-interest-rate/): Home › Rates › PPF interest rate By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer PPF pays 7.1% a year, tax-free, for 1 Oct – 31 Dec 2026 (unchanged since April 2020). For someone in the 30% slab that equals about 10.32% on a taxable FD. Deposit by the 5th of the month to earn that month’s interest. Key Highlights PPF pays 7.1% a year for 1 October – 31 December 2026; the Finance Ministry kept it unchanged. The rate has stayed at 7.1% since 1 April 2020. Before that it moved between 7.6% […]
- [RBI Repo Rate Today & MPC Rate History](https://divingfinance.com/rates/repo-rate/): Home › Rates › Repo rate By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer The RBI raised the repo rate to 5.50% (from 5.25%) with effect from 7 Oct 2026. Floating-rate home loans linked to the repo rate usually rise by the same 0.25% at the next reset. FD rates may edge up. The next decision is due after the 2–4 Dec 2026 MPC meeting. Key Highlights The RBI’s policy repo rate is 5.50%, raised by 25 bps on 7 October 2026. It was the first hike since February 2023. SDF is 5.25%; MSF […]
- [Live Rates & Government Data — India](https://divingfinance.com/rates/): By Ashutosh Joshi, PGDM (Finance), B.Com · Page last reviewed: 21 Oct 2026 Quick answer The RBI repo rate is 5.50% (from 7 Oct 2026). Small savings rates are unchanged for Oct–Dec 2026: PPF 7.1%, SSY and SCSS 8.2%, NSC 7.7%. CPI inflation is 5.54% (Sep 2026). Loans linked to the repo rate cost a little more, while tax-free PPF, SSY and EPF still beat inflation. Key Highlights RBI raised the policy repo rate to 5.50% on 7 Oct 2026; SDF 5.25%, MSF and Bank Rate 5.75%. Next MPC meeting: 2–4 Dec 2026. All small savings rates are unchanged for Oct–Dec […]
- [Terms of Use](https://divingfinance.com/terms-of-use/): Last updated: 20 October 2026 These Terms of Use apply to your use of divingfinance.com (“the site”, “we”, “us”). By using the site, you agree to them. If you do not agree, please do not use the site. 1. Use of content All content on the site is provided for general information and education. It is not financial, tax, legal or investment advice. Please read our Disclaimer. 2. Intellectual property Articles, graphics, calculators, logos and design on this site belong to Diving Finance or are used with permission. You may read, print or share links to our pages for personal, non-commercial […]
- [How We Calculate](https://divingfinance.com/how-we-calculate/): Last updated: 20 October 2026 Every calculator on Diving Finance uses a standard, published formula. This page shows each one in plain notation so you can check our numbers by hand or in a spreadsheet. Results are estimates; see the limits at the end. EMI Calculator We use the reducing-balance EMI formula that Indian banks use for home, car and personal loans: EMI = P × r × (1 + r)^n / ((1 + r)^n − 1) Here P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the tenure in […]
- [Editorial Policy](https://divingfinance.com/editorial-policy/): Last updated: 20 October 2026 Money decisions are personal and often hard to reverse. This page explains how we research, write, check and update what you read on Diving Finance, so you can judge how much to trust it. Who writes for Diving Finance Diving Finance is run by Ashutosh Joshi. He holds a PGDM in Finance and a B.Com, and has more than eight years of experience in search and content work for clients in banking, financial services and insurance (BFSI) and other sectors. Articles carry his byline unless another author is named on the page. We do not list […]
- [Disclaimer](https://divingfinance.com/disclaimer/): Last updated: 20 October 2026 Diving Finance publishes articles, explainers and calculators on Indian personal finance. Please read this page before you act on anything you find here. We are not your investment adviser Diving Finance and its author, Ashutosh Joshi, are not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or Research Analyst, unless a specific page clearly says otherwise. Nothing on this site is a recommendation to buy, sell or hold any security, mutual fund, insurance policy, deposit or loan product. Educational information only Our content explains how financial products, rules and taxes […]
- [Financial Calculators](https://divingfinance.com/calculators/): Home › Calculators Financial Calculators for Indian Investors These are free calculators for Indian savers and borrowers. Each one shows its formula and a worked example, so you can check the answer yourself. Pick the tool that matches your question. Not sure which one? Use the table below. Built and reviewed by Ashutosh Joshi, PGDM (Finance). Updated Oct 2026. See how we calculate. Key Highlights 8 calculators across investing, saving and loans. All are free, need no sign-up, and the maths runs in your browser. Repo rate 5.50%: the RBI raised it by 25 basis points on 7 Oct 2026 (RBI […]
- [Home Loan Prepayment vs Investment Calculator](https://divingfinance.com/home-loan-prepayment-vs-investment-calculator/): Home › Calculators › Home Loan Prepayment vs Investment Calculator Home Loan Prepayment vs Investment Calculator Spare money every month and a home loan running? See whether it should go against the loan or into a SIP, with both paths run to the same end date. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights Prepaying gives a guaranteed return equal to your loan rate. Investing has to beat that rate, with risk and tax on top. On a ₹50 lakh loan at 7.75% for 20 years, an extra ₹10,000 a month against the […]
- [Step Up SIP Calculator](https://divingfinance.com/step-up-sip-calculator/): Home › Calculators › Step-Up SIP Calculator Step-Up SIP Calculator Raise your SIP by a fixed percentage every year and see how far ahead of a flat SIP you finish. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights ₹10,000 a month, raised 10% every year, for 15 years at 12% grows to about ₹86.8 lakh. A flat ₹10,000 SIP gets about ₹50.5 lakh. To match the step-up result with a flat SIP, you’d need about ₹17,210 a month from day one. Be honest about why it wins: you also invest more, about ₹38.1 […]
- [RD Calculator](https://divingfinance.com/rd-calculator/): Home › Calculators › RD Calculator RD Calculator Find the maturity value of a recurring deposit at bank or post office rates, and see how it compares with a SIP. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights The Post Office 5-year RD pays 6.7% for Oct–Dec 2026, compounded quarterly (Post Office rates). ₹5,000 a month matures at about ₹3,56,829. You deposit ₹3 lakh, so the interest is about ₹56,829 over five years, and it’s taxable at your slab rate. Bank RDs usually pay the same rate as the bank’s FD of that […]
- [FD Calculator](https://divingfinance.com/fd-calculator/): Home › Calculators › FD Calculator FD Calculator Work out your fixed deposit maturity with quarterly compounding, then see what is left after tax. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights ₹5 lakh in a 2-year SBI FD at 6.40% (rate checked 20 Oct 2026) matures at about ₹5,67,701 with quarterly compounding. In the 30% slab, tax takes about ₹21,100 including 4% cess (the calculator shows a flat 30%) of the ₹67,701 interest. Your real yearly return is closer to 4.5% than 6.4%. The RBI raised the repo rate to 5.50% on […]
- [Goal Based SIP Calculator](https://divingfinance.com/goal-based-sip-calculator/): Home › Calculators › Goal-Based SIP Calculator Goal-Based SIP Calculator Start from the amount you need and the year you need it. Get the monthly SIP that gets you there. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights To reach ₹1 crore in 15 years at an assumed 12% a year, you need a SIP of about ₹19,820 a month. Give it 20 years and the SIP falls to about ₹10,009. Give it only 10 years and it jumps to about ₹43,041. A goal priced in today’s rupees must be inflated first. ₹50 […]
- [Diving Finance](https://divingfinance.com/home-v2/): DivingFinance Calculators Topics Guides About All EN हिंदी Personal finance for Indian investors · हिंदी और English Every money question ends in a number. Start with the number. Then read why it is what it is — in whichever language you think in. SIP EMI PPF Monthly investment Time period Expected return Corpus at maturity ₹0 You invest — Returns earned — Open the full SIP calculator → Where do you want to start? 45 guides · 5 topics Plan Saving, PPF, EPF, retirement, where the money should sit. 7 guides Invest Mutual funds, SIPs, stocks, demat, gold ETFs. 14 guides […]
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- [PPF calculator](https://divingfinance.com/ppf-calculator/): Home › Calculators › PPF Calculator PPF Calculator Estimate your Public Provident Fund maturity at the current 7.1% rate, and see what extending past 15 years adds. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights The PPF rate for 1 Oct–31 Dec 2026 is 7.1% a year, compounded yearly. The Finance Ministry left it unchanged on 30 Sep 2026. ₹1.5 lakh a year for 15 years, deposited by 5 April each year, matures at about ₹40.68 lakh. You put in ₹22.5 lakh. Interest, maturity and (under the old regime) the deposit are all […]
- [SIP Calculator](https://divingfinance.com/sip-calculator/): Home › Calculators › SIP Calculator SIP Calculator See what a monthly SIP could grow to, and how much of the final number is your money versus compounding. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights ₹10,000 a month for 15 years at an assumed 12% a year grows to about ₹50.46 lakh. You put in ₹18 lakh; the rest is growth. Stretch the same SIP to 30 years and it reaches roughly ₹3.53 crore. Time does more work than the amount. The result is a projection at a fixed rate. Real equity […]
- [EMI Calculator](https://divingfinance.com/emi-calculator/): Home › Calculators › EMI Calculator EMI Calculator Calculate the monthly EMI on a home, car or personal loan, plus the total interest you will pay over the full tenure. Reviewed by Ashutosh Joshi, PGDM (Finance) · Updated Oct 2026 · How we calculate Key highlights A ₹50 lakh home loan at 7.75% for 20 years costs ₹41,047 a month. Total interest is about ₹48.5 lakh, almost the size of the loan. Stretch it to 30 years and the EMI falls to ₹35,821, while total interest rises to about ₹79 lakh. SBI home loans start at 7.50% from 15 Oct 2026, […]
- [About Us](https://divingfinance.com/about-us/): About Diving Finance Welcome to divingfinance.com, your premier destination for insightful and informative articles on insurance, finance, and share market topics. Established in 2023, we are committed to providing our readers with valuable insights, expert analysis, and up-to-date information to help you navigate the intricate world of finance. Our Mission At DivingFinance, our mission is to empower individuals with the knowledge and tools they need to make informed decisions about their financial well-being. We understand that the realms of insurance, finance, and the share market can be complex and overwhelming. Our goal is to simplify these subjects and present them in […]
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- [Home Page](https://divingfinance.com/): Personal finance for Indian investors · हिंदी और English Every money question ends in a number. Start with the number. Then read why it is what it is, in the language you think in. How We Calculate → SIP EMI PPF Monthly investment₹10,000 Time period15 yr Expected return12% Corpus at maturity ₹50,45,760 about ₹50.46 lakh You invest ₹18,00,000 Returns earned ₹32,45,760 Open the full SIP calculator → Rates and rules checked against RBI, SEBI, AMFI, the Income Tax Department and bank websites. Every post shows its “as on” date. Latest from the blog All guides → Eight calculators, one for each […]
- [Privacy Policy](https://divingfinance.com/privacy-policy/): This Website Privacy Policy refers to the commitment of Diving Finance, to protecting the privacy of visitors to our website and sets forth our Website information collection and management practices. By using this Website, you acknowledge and consent to our practices described below. Personally identifiable information: Aggregate information: Individual information forms the basis of aggregate information for us. We may use the aggregate information without mentioning the individual information or identity to support our decision-making processes for improvisation / expansion/ diversification of our products and services. Confidentiality and security of any personal information, while using the Aggregate information is assured. General: […]

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