FinPlann Blog — Personal Finance for Indians
Guides & insights for everyday investors
Practical articles on mutual funds, tax planning, retirement, insurance, and the money decisions that shape middle-class Indian life.
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Contra Funds in India — The Underrated Equity Category
Contra funds bet on out-of-favour stocks and sectors — buying what others are selling. The category sounds clever but has had inconsistent execution. Here's when contrarian investing actually works in Indian markets.
Smart Beta and Factor ETFs in India — Beyond Nifty 50 Indexing
Smart beta ETFs and factor funds blend passive index methodology with rules-based stock selection (low volatility, momentum, quality, value). Here's how they fit India's growing factor ETF market in 2026.
Fund of Funds (FoFs) in India — When the Wrapper Is Worth the Extra Layer
A FoF invests in other mutual funds — adding a small extra expense layer for the convenience of one-fund diversification. Here's the categories (Domestic, Overseas, Multi-Manager) and when each makes sense.
Children's Fund vs Separate Goal SIPs — The Math Most Parents Miss
Children's mutual funds promise a packaged "education+marriage" solution with mandatory lock-in until child turns 18. The same allocation done via separate goal SIPs costs less, is more flexible, and usually delivers more. Here's the math.
Multi Asset Allocation Funds vs DIY — Is The Single Fund Worth It?
Multi asset allocation funds hold equity, debt, and gold/commodities in one product. Convenience comes at a tax and cost price. Here's whether the bundle beats DIY allocation for the average Indian investor.
Conservative Hybrid Funds for Retirement Income in India
Conservative hybrid funds hold 75-90% debt and 10-25% equity. Designed for income-focused investors and retirees who want a small equity kicker on top of debt safety. Here's when they earn their place.
Floating Rate Funds — The Rising Rate Hedge Most Indians Don't Use
Floating rate funds invest in bonds whose coupons reset with rates. When rates rise, FD and gilt fund holders lose; floating rate fund NAV barely moves. Here's how the category works and when it earns its place.
Retirement Mutual Funds vs NPS vs PPF — Which Wins for Indian Salaried Professionals
Retirement mutual funds vs NPS vs PPF — three very different products with overlapping use cases. Here's the comparison Indian professionals actually need before choosing where their retirement corpus goes.
Topics We Cover
Six areas, all India-first
Every article is written for Indian investors. We explain the maths, cite the rules, and give you action steps — not generic advice.
Mutual Fund Investing
SIP sizing, step-up strategies, lump sum vs SIP, fund category guides, and portfolio reviews.
Tax Planning & Saving
New vs old regime, ELSS vs PPF under 80C, HRA, F&O — updated for the current financial year.
Retirement & FIRE
The 4% rule adapted for Indian inflation, NPS vs EPF, planning timelines by age.
Loans, Debt & Credit
Prepay vs invest, personal loan payoff strategies, CIBIL improvement, rent vs buy.
Insurance & Emergency
Term vs ULIP, health cover sizing against medical inflation, and emergency fund maths.
Budgeting & Savings
50/30/20 adapted for Indian salaries, SSY vs MF, gold strategies, LRS for investing abroad.