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.
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.
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.
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.
Insider Trading Rules in India
You do not need to be a director to be caught by these rules. What counts as price-sensitive information, who is an insider, and a test to apply first.
NPS Explained
NPS explained in plain terms - what it invests in, how the allocation works, what happens at exit, and why the balance and the monthly income are different numbers.
Rights Issue in India
A company you own is asking existing shareholders for more money. What each of the three responses does to your stake, and why doing nothing is the worst of them.
How to Review Your Holdings
What to check monthly, quarterly and once a year - and the far more important question of when the correct action is to do nothing at all.