Ek Croreएक करोड़
एक करोड़

The first crore is the hardest. Start here.

Tax, investing, salary, insurance and credit — in plain English, for young Indians who earn well but haven't had time to figure out where it all goes.

Tax2 articles
Investing1 article
Credit Cards0 articles
Insurance1 article
Salary1 article
This Week1 article
◆ FeaturedThis WeekTopical

India Finance News: 4–10 May 2026

EPFO 3.0 lets you withdraw PF via UPI by end of May. ITR filing is open with a key change to ITR-1. The rupee hit ₹95.43 — what it means for your fuel bill and investments. Plus: SEBI regulates Nifty, 93% of F&O traders lose money.

10 May 2026 · 8 min readRead →

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Insurance

How much term life insurance do you need in India? A salary-based calculation guide

Term insurance gives pure life cover — no investment component. For a ₹15L salary, you need ₹1.5–2.25 Cr in cover. Here's the calculation, what affects premiums, and what to check before buying.

13 May 2026·7 min read
Investing

How does an SIP work? What ₹10,000/month actually grows to over 10, 15, and 20 years

An SIP invests a fixed amount monthly in a mutual fund. ₹10,000/month at 12% grows to ₹23L in 10 years, ₹50L in 15 years, and nearly ₹1 crore in 20 years.

12 May 2026·8 min read
Tax

Old vs new tax regime FY 2025-26: which is better for salaried employees?

Side-by-side tax comparison at ₹8L–₹25L salary, the exact deduction amount at which the old regime wins, and a worked example with HRA and home loan. Numbers-first guide for FY 2025–26.

10 May 2026·10 min read
Tax

New tax regime FY 2025-26: complete guide for salaried employees

Zero tax up to ₹12.75 lakh, new income tax slabs, what deductions you lose, and how to decide between old and new regime. A numbers-first guide for salaried Indians.

10 May 2026·10 min read
Salary

What is CTC, gross salary, and in-hand salary? How to read your Indian salary slip

Your offer letter says ₹12 lakh, your payslip shows ₹87,500 gross, and your bank receives ₹79,000. Three numbers, all correct — here is exactly why they differ and what each one means.

10 May 2026·11 min read

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Tax Regime

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HRA Exemption

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