Chit Funds vs Investing: What a Chit Really Is
How a chit fund works, why early takers borrow and late takers save, the difference registration makes, and where a chit fits beside real investments.
TheFinBaba Blog
Guides on Algo Trading, Python & Stock Market
Practical, expert-written guides on algorithmic trading with Python, Demat accounts, F&O strategies, taxation, and everything else Indian traders care about.
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How to Invest in Gold in India
Four ways to invest in gold in India and what each one costs. Why jewellery is a poor holding, how gold ETFs and funds differ, and the catch with gold bonds.
Averaging Down: When It Works and When It Fails
Averaging down lowers your cost and raises your stake. When it can be defended in shares, why an expiry date turns it against you in options, and what to do instead.
Investing With an Irregular Income
Freelancers, business owners and anybody paid by the job. Why fixed-date advice fails, what replaces it, and how to size a cushion when income varies.
Where to Park Short-Term Money
Money needed within three years does not belong in equity — but where should it go? Savings, sweep deposits and FDs, ranked by how fast you can reach them.
Trading With Borrowed Money
Margin funding, loans against securities, gold loans and cards. What each actually is, why the obligation is fixed while the outcome is not, and when it unwinds.
Claiming Old and Unclaimed Shares
Old certificates, dividends never encashed, holdings of somebody who has died. How each is traced and claimed, and where shares go if nobody claims them.
The F&O Ban Period
When a stock crosses its position limit, only reducing positions is allowed. What triggers it, what you can and cannot do, and the penalty for getting it wrong.
How to Read a Shareholding Pattern
Who owns a company, how much of it is pledged, and what changed last quarter. The disclosure that takes two minutes and answers questions the financials cannot.
ESOP and RSU Taxation in India
Employee stock is taxed twice - once as salary, once as a capital gain. When each happens, what the cost base is, and the disclosure foreign shares need.
Investing for Family Members in India
Whose name the investment is in decides who owns it and whose income it is. Clubbing rules, accounts for minors, and the authorisations worth never signing.
The Collar Strategy
Own the shares, buy a put below, sell a call option above. What the collar protects, what it gives up, and the Indian details that change how it works.