Money questions, answered simply.
Short explainers from the Daksha team on SIPs, insurance, loans, tax and the stock market — in the language we actually speak.
20 articles · newest first
30-30-30-10 Rule Kya Hai Aur Kaise Apply Karein? Smart Budgeting Guide (2026)A simple framework for splitting your income across needs, wants, savings and investments.Read article →
Loan Prepayment Karna Sahi Hai Ya Nahi? Smart Loan Repayment Guide (2026)Extra funds, a bonus or accumulated savings — when does prepaying a loan actually make sense, and when doesn't it?
Kitna Insurance Lena Chahiye? Rule of Thumb for Life & Health Insurance (2026)Too little cover leaves your family exposed; too much inflates premiums. Simple rules of thumb for life and health cover.
Direct vs Regular Mutual Fund – Aap Kya Choose Karein? Complete Comparison Guide (2026)Same fund, two plans, different costs. How direct and regular plans differ — and which suits you.
Short Term Trading vs Long Term Investing – Kya Better Hai? Complete Comparison Guide (2026)Purpose, risk and results differ completely between the two approaches. Here's the real difference.
Pre-IPO Investment Kya Safe Hai? Risk, Return Aur Reality Guide (2026)Interest in unlisted shares and pre-IPO deals is rising. A practical, hype-free answer on safety.
Tax Loss Harvesting Kya Hota Hai Aur Kaise Karein? Capital Gain Tax Kam Karne Ka Smart Tarika (2026)Managing the tax on your profits matters as much as making them. A beginner-to-advanced guide.
Emergency Fund Kitna Hona Chahiye? Complete Guide for Financial Safety (2026)Job loss, medical emergencies, sudden expenses — how big your emergency fund should be.
Chhoti EMI Ka Matlab Sasta Loan Nahi Hota – Real Cost Samjhein (2026 Guide)A smaller EMI often means a costlier loan. How to look at the real cost of borrowing.
Health Insurance Claim Reject Kyun Hota Hai? Top Reasons & Approval Guide (2026)The most common reasons health claims are rejected, and how to make sure yours is approved.
₹500 SIP Se Kya Wealth Create Ho Sakti Hai? Reality Check Guide (2026)Yes — but only under certain conditions. A reality check on small SIPs.
Retail Investors Ki 5 Sabse Badi Galtiyan | Stock Market Mistakes Guide (2026)Late entry, early exit and three more patterns that cost retail investors money.
Unlisted Shares Kya Hote Hain? Pre-IPO Investment Guide India (2026)A complete beginner's guide to shares that aren't listed on an exchange yet.
Tax Loss Harvesting Kya Hai? Capital Gain Tax Kaise Bachayein (2026 Guide)Making a profit is one thing; legally reducing the tax on it is the mark of a smart investor.
Loan Lene Se Pehle Kya Check Karein? Complete Guide to Smart Borrowing (2026)Borrowing is easy today; borrowing well isn't. A practical checklist before you sign.
Salary Ka Kitna Percent Save Aur Invest Karein? Daksha Expert Guide (2026)How much of your salary to save, how much to invest — and how to split it.
Term Insurance Kya Hai? Kya Ye Lena Zaroori Hai | Complete Guide (2026)Protection is the most important pillar of a financial plan. What term insurance is and whether you need it.
SIP Kab Start Karein? Market Girne Par Ya Badhne Par | SIP Planning Guide (2026) Wait for a fall, or start while markets rise? Answering the most common SIP question.
Share Market Me Entry Kaise Karein? Best Time To Invest Guide 2026Interest in the stock market is growing fast. How to make your first move, step by step.
How Much SIP Should I Invest Monthly?Working out the right monthly SIP for your goals.