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Notes From The Desk

General educational reading on how investment products work. Nothing here is a recommendation to buy, sell or hold any scheme.

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Notes From The Desk
How a SIP actually works, instalment by instalment
Basics

How a SIP actually works, instalment by instalment

A rupee-cost-averaging walk-through of what happens on your SIP date, and why the number of units you receive keeps changing.

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Reading a Scheme Information Document without panic
Documents

Reading a Scheme Information Document without panic

The five sections of an SID that matter most to an ordinary investor, and what each of them is actually telling you.

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ELSS and the three-year lock-in, explained simply
Taxation

ELSS and the three-year lock-in, explained simply

How the 80C deduction works, what the lock-in means for every single instalment, and the questions to ask before you invest.

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Where debt funds sit in an ordinary portfolio
Fixed income

Where debt funds sit in an ordinary portfolio

Duration, credit quality and liquidity: the three levers that decide how a debt scheme is likely to behave.

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KYC and folio rules for NRI investors in India
NRI

KYC and folio rules for NRI investors in India

NRE versus NRO, FATCA declarations, and the documents an Indian AMC will ask for when you invest from abroad.

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Nomination, contact details and other folio hygiene
Housekeeping

Nomination, contact details and other folio hygiene

The small administrative steps that keep your folios accessible and prevent them from turning into unclaimed money.

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Educational content only. Articles on this page explain how products and processes generally work. They do not consider your personal circumstances and must not be treated as investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully.

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