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Independent commentary on Indian equities, rates, currency and global cues.
The Nifty 50 has been flat since April 2026 while the median Nifty company grew profit 18.5%. We look at what history says comes next: base rates from every comparable episode since 2007, the odds by
IRDAI's 23 September 2026 consultation paper proposes hard caps on insurance commission — 20% for banks on long-term life plans. What it means for policyholders, distributors and insurers, with ADWIZR
An interactive simulator for IRDAI's proposed commission caps — adjust the assumptions and see the impact ripple across insurers, distributors and policyholders, including ADWIZR's modelling of the ₹2
The rupee slipped to almost 97 per dollar in May 2026. But a falling currency is a symptom, not a verdict. This guide separates the genuinely worrying from the ordinary economics, maps who gains and w
Suresh saved for 35 years in LIC policies and retired with ₹28 lakh. At ₹40,000 per month, that lasts 4.8 years. His son, Karthik, identified a ₹68 lakh shortfall and implemented five practical steps
The Marcellus-D&B survey found 40% of affluent Indian investors dissatisfied despite a bull run. The cause isn't underperformance, it's a comparison point assembled from dinner-party wins and WhatsApp
India spent $174.9B on crude oil and $71.98B on gold in FY26 — both at record levels. The rupee weakened 10.4% to 94.43/USD. PM Modi's gold-deferral appeal signals that policymakers expect these press
NSE launched Electronic Gold Receipts on 4 May 2026, making India the first market to offer demat gold with physical delivery optionality. EGRs charge 0% GST on exchange trades, cost 0.18% annually in
A bank relationship manager is not a financial advisor — they are a salaried employee with product sales targets, working inside a distribution network that earns commissions on what they sell. The pr
India built a $224 billion IT export engine on a single bet: that software engineers in Bengaluru would always be cheaper than software engineers in Boston. For thirty years, that bet paid off. Artifi
91.1% of individual F&O traders in India registered net losses in FY2024. Intelligence doesn't protect against cognitive bias — it amplifies it. This data-backed investigation reveals six India-specif
Nifty weekly RSI hit 27.9 — the 7th time below 28 in 36 years. Three independent signals (RSI, Cap Rotation at 97th percentile, Tactical Allocation Framework 8/8 record) converge on a Stage 2 Recovery
Nifty 50 has delivered an 11.6% CAGR over 27 years through seven crashes — including a 61% GFC collapse. Today at 23,002 (PE 20.1×) it sits 12.6% below its January 2026 ATH. This data-driven report an
SEBI introduced Life Cycle Funds in February 2026 — a new mutual fund category with automatic glide-path rebalancing from equity to debt as you approach your goal. This guide covers the mechanics, tax
A ₹5.8 lakh stock loss becomes a ₹72,500 tax asset — but only if crystallised before March 31. Most investors hold losing positions for years, anchored to purchase prices that no longer matter. Strate
Saving without a plan is like driving without a map. This article explores the compounding cost of not planning, the behaviour gap, and why a financial plan is the missing piece between your SIPs and
On February 11, 2026 the Reserve Bank of India issued the most sweeping rules against mis-selling in Indian banking history. This analysis explains what changed, what three global precedents tell us w