By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Earning 20-40 LPA in Bangalore sounds financially comfortable on paper. But in reality, many salaried professionals in Bangalore are discovering that a large portion of their income gets consumed by: Despite earning high salaries, many employees still struggle with: Many professionals are shocked when they calculate:…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund taxation India is one of the most important yet misunderstood aspects of investing. While many investors focus on returns, very few understand how taxes impact their final wealth. However, one critical aspect that remains widely misunderstood is taxation. Mutual fund taxation India depends on…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Why do some mutual funds give higher returns but feel more risky? The answer lies in alpha and beta in mutual funds—two key metrics that most investors ignore. Understanding alpha and beta in mutual funds helps investors evaluate both performance and risk effectively. When most investors…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund ratings India are one of the most commonly used tools by investors to select funds, especially beginners who rely heavily on star ratings and rankings. Many investors assume that a 5-star-rated mutual fund is always the best investment option. However, this assumption can be…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Dividend yield mutual funds India are increasingly becoming popular among investors who want a balance between passive income and long-term wealth creation. Many investors look for regular income sources beyond fixed deposits or rental income. Dividend yield mutual funds provide an opportunity to earn income through…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Interest rates impact on debt mutual funds is one of the most critical concepts every investor must understand before investing in fixed-income instruments. Many investors in India assume that debt mutual funds behave like fixed deposits and provide stable, predictable returns. However, debt mutual funds are…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Yield to maturity in debt mutual funds is one of the most important metrics for investors seeking stable and predictable returns, yet it is often misunderstood. Many investors in India treat debt mutual funds like fixed deposits and assume that the returns are predictable and safe.…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Tracking error in index funds is one of the most important yet misunderstood metrics in mutual fund investing, especially among beginners. Most investors in India choose index funds because they believe these funds simply replicate the market and deliver the same returns as the benchmark index.…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Exit load in mutual funds is one of the most ignored costs by investors, yet it can directly reduce your returns if not understood properly. Most investors in India focus only on returns, SIP amounts, and fund selection. However, they often forget that how and when…