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Why Real Estate Should Be Part of Your Wealth Portfolio — But Not All of It
A land and redevelopment consultant’s honest take on where property fits in a balanced wealth plan — and where it doesn’t.
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How to Choose Health Insurance in 2026: What’s Changed and What to Check
Health insurance complaints have been in the news lately — reports suggest around 4 in 10 claimants remain dissatisfied with their claim experience. At the same time, IRDAI has pushed through some genuinely useful reforms over the past two years that most policyholders don’t know they’re entitled to. If you’re buying a new policy or…
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Demat 2.0: India’s Tokenised Bond Pilot Explained (and What It Means for You)
India took a genuinely new step in its financial markets this month. On 7 September 2026, at the Global Fintech Fest in Mumbai, RBI Governor Sanjay Malhotra and SEBI Chairman Tuhin Kanta Pandey jointly launched Demat 2.0 — a pilot that puts corporate bonds directly onto a distributed ledger and settles them using the Reserve…
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Gold ETFs vs Digital Gold vs Physical Gold: What to Buy This Festive Season
With Diwali approaching, gold buying season is here again — and this year, the usual advice you’ll find online is quietly out of date. Many articles still list Sovereign Gold Bonds (SGBs) as an option to consider. They aren’t, at least not as a fresh purchase: the government stopped issuing new SGB tranches after the…
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Major Global Economic Events of the Last Two Months: The Iran Conflict, a New Fed Chair, and a Slowing China
Most of what I write on this blog focuses on India, but the last couple of months have thrown up genuinely significant developments on the global economic stage that are worth stepping back to look at, both because they matter in their own right and because several of them are actively shaping what is happening…
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RBI, SEBI, NSE/BSE, AMFI, and Government Announcements: A Two-Month Regulatory Roundup
India’s financial regulators rarely stand still for long, and the last couple of months have been busier than most. Between the Reserve Bank of India, SEBI, the stock exchanges, AMFI, the Ministry of Finance, and the Ministry of Corporate Affairs, there has been a steady stream of circulars, notifications, and policy changes that touch everyone…
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Land Banking as an Asset Class: Is It Right for the Everyday Investor?
Among the various ways to invest in real estate, buying an apartment to live in or rent out, investing in a REIT for commercial exposure, or investing in a real estate mutual fund, one strategy tends to come up specifically in conversations with more experienced or high net worth investors: land banking, the practice of…
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Home Loan vs. Investing Your Down Payment: A Numbers-Based Comparison
Every time home loan interest rates move, whether up or down, I get some version of the same question from friends, clients, and readers: should I use my savings to prepay my home loan faster, or should I invest that money instead and let the loan run its natural course? It is a genuinely important…
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How to Build an Emergency Fund: A Practical Framework for Indian Households
Of all the pieces of financial advice that get repeated so often they become almost invisible, “build an emergency fund” might be the most under-practiced despite being nearly universally agreed upon. Almost everyone nods along when they hear it, and yet a surprisingly large number of otherwise financially disciplined people, including some who diligently run…
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A Beginner’s Guide to REITs: Investing in Real Estate Without Buying Property
For decades, the only way for an ordinary Indian investor to gain exposure to commercial real estate, the office towers, IT parks, and shopping malls that generate steady rental income, was to either buy such a property outright, requiring crores of Rupees most people simply do not have, or invest indirectly through a real estate…