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· 13 min read · Fintelligent Editorial
NPS Vatsalya vs Sukanya Samriddhi: Which Is Better for Your Child?One is a guaranteed-rate post office account for daughters, the other is a market-linked pension account for any child. Here's how Sukanya Samriddhi and NPS Vatsalya really differ on returns, lock-ins, withdrawals and tax, with a worked ₹5,000-a-month example.
· 10 min read · Fintelligent Editorial
What Is Form 16? How to Read Your Salary TDS Certificate (and Why It's Now Called Form 130)Form 16 is the one document your employer hands you every June that makes filing your tax return easy. Here's what each part means, how to check it in five minutes, and why from Tax Year 2026-27 it gets a new name: Form 130.
· 9 min read · Fintelligent Editorial
What Are NAV and Expense Ratio? Two Mutual Fund Numbers, Explained SimplyA low NAV doesn't make a fund cheap, and a 1% fee isn't as small as it sounds. Here's what NAV and expense ratio really mean, and which one actually affects your returns.
· 10 min read · Fintelligent Editorial
PPF vs FD: Which One Should Your Savings Go Into?PPF and fixed deposits are both safe, but they work very differently. Here's how their returns, tax, lock-in and safety compare in 2026, with simple ₹ examples to help you pick.
· 8 min read · Fintelligent Editorial
What Is ELSS? The Tax-Saving Mutual Fund, Explained SimplyELSS is a mutual fund that can cut your tax bill and grow your money, with the shortest lock-in among popular tax-saving options. Here's how it works, who it suits, and the catch nobody mentions at the start.
· 7 min read · Fintelligent Editorial
EPF vs PPF vs NPS: Which Retirement Option Is Right for You?Confused by office PF, post-office PPF, and NPS ads? A simple Indian comparison of returns, lock-in, tax, and who each one is for.
· 11 min read · Fintelligent Editorial
Old Tax Regime vs New Tax Regime: Which One Should You Pick?The new tax regime is the default in 2026, but the old one still makes sense if you claim a lot of deductions. Here's a plain side-by-side of slabs, standard deduction, rebates and who usually wins, with simple ₹ examples.
· 11 min read · Fintelligent Editorial
Home Loan Prepayment: Should You Reduce Your EMI or Your Tenure?Got a bonus and want to pay off part of your home loan? Here's what prepayment does, why cutting your tenure usually saves far more interest than cutting your EMI, and when it makes sense to keep the money instead.
· 9 min read · Fintelligent Editorial
What Is the Repo Rate? Why One RBI Number Changes Your EMI and FD ReturnsThe RBI just raised the repo rate to 5.50%. Here's what the repo rate actually is, why the RBI moves it, and what it means for your home loan EMI, your FD and your monthly budget.
· 11 min read · Fintelligent Editorial
Index Funds vs Actively Managed Funds: Which One Should You Pick?One fund copies the market, the other tries to beat it. Here's how index funds and actively managed funds work, what they cost, how often active funds actually win in India, and how to choose.
· 8 min read · Fintelligent Editorial
Term Insurance vs Endowment Plan: Which One Do You Actually Need?One gives your family a big safety net for a small price. The other mixes insurance with savings and does neither brilliantly. Here's the plain difference, with ₹ examples.
· 5 min read · Fintelligent Editorial
What is a Credit Score (CIBIL) and How to Improve ItYour credit score is a three-digit report card banks check before lending you a rupee. Here's what it is, what moves it, and how to push it up.
· 3 min read · Fintelligent Editorial
How to Make a Monthly Budget: The 50/30/20 Rule for Indian SalariesMake a monthly budget in 4 simple steps with the 50/30/20 rule. See a ₹40,000 salary example, metro-rent tweaks, and the mistakes that wreck budgets.
· 5 min read · Fintelligent Editorial
What Is a SIP? A Simple Guide to Systematic Investment PlansSIP means investing a fixed amount in a mutual fund every month. Learn how it works, rupee cost averaging, minimum amounts, tax and real examples.
· 4 min read · Fintelligent Editorial
What Is an Emergency Fund and How Much Do You Need?An emergency fund should cover 3–6 months of essential expenses. See how much you need, where to keep it in India, and how to build it step by step.
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