Partnerships
Anushka Krishna Kumar
Partnerships, NYVO · MSc Economics
Leads partnerships at NYVO and holds a Master's in Economics. Writes on personal finance, budgeting and everyday money decisions for Indian families.
Articles by Anushka Krishna Kumar
Estate Planning in India: A Beginner's Guide
Estate planning in India, explained for beginners: how a will, nominations, joint holdings, and trusts work together to pass assets smoothly and reduce disputes.
How to Invest on a ₹30,000–₹50,000 Salary
How to invest with a low salary in India: build a small cushion first, start a SIP from as little as ₹500, automate it on payday, and step it up as you earn more.
Post Office Savings Schemes: The Full List
A plain-English guide to every post office savings scheme – the savings account, RD, TD, POMIS, NSC, KVP, SCSS, SSY and Mahila Samman – compared on tenure, rate, 80C and cap.
Common Financial Frauds in India, and How to Stay Safe
Most financial fraud in India is a con for your OTP, PIN or a QR scan, not a hack. Here are the common digital and banking scams, and the rules that stop them.
Mahila Samman Savings Certificate Explained
What the Mahila Samman Savings Certificate was – a two-year scheme for women at about 7.5%, capped at ₹2 lakh – and why its deposit window closed on 31 March 2025.
How to Start Investing in India: A Beginner's Guide
How to start investing in India as a beginner: build an emergency fund first, finish your KYC, open an account, and begin a diversified, low-cost SIP by category.
The Hindu Succession Act, Explained
The Hindu Succession Act, explained: who it governs, how property passes when a Hindu dies without a will, Class I heirs, and the 2005 amendment for daughters.
Is It Too Late to Start Investing at 40?
Is it too late to start investing at 40? No. You still have 20-plus years to compound. What a later start needs is a higher savings rate and steady behaviour.
How to Become Rich in India: Myths vs What Works
How to become rich in India, tested against the record: why F&O trading, get-rich schemes and property mythology fail most people, and the boring formula that works.
Needs vs Wants: The Line That Decides Your Budget
The difference between needs and wants isn't fixed. Most budget failures come from wants that quietly reclassified themselves as needs. And one test that tells them apart.
How to Spot an Investment Scam in India
Investment scams in India all share one signature: a high return with the risk removed. Here is how to read the red flags, verify before you pay, and report fast.
The Financial Order of Operations
The financial order of operations is a priority sequence for your money: emergency fund, then high-interest debt, then free money, tax-advantaged accounts, and investing.
Retirement Age in India: Government and Private
Retirement age in India is not one number: central government employees retire at 60, private companies set 58 to 60, and the EPS pension starts at 58, or 50 at a reduced rate.
Kisan Vikas Patra (KVP): How It Works
How Kisan Vikas Patra works – the way it doubles your deposit in about 115 months, the lack of any upper limit, why there is no Section 80C benefit, and how the interest is taxed.
Succession Certificate: What It Is and When You Need One
A succession certificate, explained: what it is, when families need one after someone dies without a will, and how it differs from probate and a legal heir certificate.
Senior Citizen Savings Scheme (SCSS): A Guide
How the Senior Citizen Savings Scheme works – the age 60 rule, the ₹30 lakh cap, the quarterly interest payout, the Section 80C deduction, and the early-exit penalty.
Turning a Retirement Corpus into Monthly Income
How to turn a retirement corpus into a monthly retirement income, using an SWP, the bucket strategy, an annuity floor, and interest or dividends, plus the risks to manage.
Post Office Monthly Income Scheme (POMIS): How It Works
How the Post Office Monthly Income Scheme works – the five-year term, the monthly interest payout, the ₹9 lakh single and ₹15 lakh joint caps, and how the interest is taxed.
Corporate NPS: The Employer Route
Corporate NPS explained: how an employer routes part of your CTC into NPS Tier I, the 80CCD(2) deduction of 10% or 14% of salary, and how it differs from opening NPS yourself.
NPS Withdrawal Rules Explained
NPS withdrawal rules explained: the 60/40 split at 60, partial withdrawals of up to 25% of your own contributions, premature exit before 60, and the small-corpus exemptions.
Nomination vs Will: The Costly Confusion
Nomination vs will, explained: why a nominee is usually a trustee who receives an asset, not the final owner, and why the will or succession law decides who inherits.
Why Retirement Is the Hardest Money Goal
Why retirement is the hardest financial goal: no deadline forcing you to start, no loan to bridge a shortfall, an uncertain target, and no do-over, plus how to respond.
How Many Credit Cards Should You Have?
How many credit cards should you have? A clear, India-specific answer, why there's no magic number, and how cards affect your credit score and utilisation.
What is Form 16, and How to Read It
What Form 16 is, what Part A and Part B each contain, and how to use this salary TDS certificate to file your income tax return in India.
No-Cost EMI: Where's the Catch?
A no-cost EMI promises zero interest, but the cost rarely disappears – it just moves. Here is where the interest, GST and fees on a no-cost EMI actually hide.
Types of Will in India, Explained
The main types of will in India in plain language: privileged and unprivileged, plus simple, conditional, joint, and holographic wills, and how they differ.
What is ELSS? Tax-Saving Mutual Funds Explained
ELSS is the only equity mutual fund that saves tax under Section 80C. Here's how the deduction works, why the 3-year lock-in is the shortest of any 80C option, and who it suits.
How to Automate Savings From Your Salary
How to save from your salary without willpower: automate a payday transfer, plug the recurring leaks that fund it, and give the money a destination. Tactics, not targets.
How to Make a Will in India
How to make a will in India, explained in plain language: what a will is, who can make one, the steps to follow, and when registration helps.
What is an NFO (New Fund Offer)? What the ₹10 Price Means
A plain-English guide to New Fund Offers: what an NFO is, why the ₹10 unit price isn't a discount, and what to actually check before you subscribe.
Pay Yourself First: The Budgeting Rule That Sticks
The pay yourself first method turns saving from a monthly leftover into the first bill you pay – here's how it works and how to set it up in India.
How to Close a Credit Card Without Hurting Your Score
How to close a credit card in India without hurting your CIBIL score – what closing does to your history and utilisation, and the safe way to do it.
What Is Exit Load in Mutual Funds?
A plain-English guide to exit load in mutual funds – what it is, why funds charge it, how much it usually costs, and how to check the load period before you sell.
Lifestyle Inflation: Why a Raise Never Feels Like Enough
Lifestyle inflation is why higher earners still feel broke. Every raise gets absorbed. Here's how the creep works and how to bank your raise instead.
Section 80D: Deduction on Health Insurance Premiums
How the Section 80D deduction on health insurance premiums works, the self, family and senior-parent limits, the preventive check-up sub-limit, and why it is old regime only.
Smart Ways to Save Money on Groceries (India)
A practical, India-specific guide on how to save money on groceries, the list, the once-a-month staples run, and the unit-price habit that beat every in-store trick.
TDS on Salary: How It's Deducted
A plain-English guide to TDS on salary in India, how your employer estimates it under Section 192, which regime it uses, and how it squares up when you file.
What is a Demat Account, and Do You Need One for Mutual Funds?
A demat account holds shares and ETFs electronically. Here's what it is, how it works, and why you don't actually need one to invest in regular mutual funds.
CIBIL: Full Form and What the Score Actually Means
CIBIL's full form is Credit Information Bureau (India) Limited, it's a company, not your score. Here's what CIBIL actually stands for, and why India has four credit bureaus, not one.
How to Get Out of Credit-Card Debt in India
Credit-card debt in India compounds at 36–45% a year. A practical, India-specific plan to stop the minimum-due cycle and clear credit-card debt for good.
Section 80TTA and 80TTB: Tax-Free Interest
Sections 80TTA and 80TTB let you deduct interest income under the old tax regime: ₹10,000 of savings interest if you are under 60, and ₹50,000 for senior citizens including fixed deposits. Here is how each works for FY 2026-27.
What Is a Step-Up SIP?
A step-up SIP raises your monthly investment by a set percentage every year. Here's how it works, and how much more it can build than a flat SIP.
Gratuity Exemption: How Much Is Tax-Free
How the gratuity exemption works in India: the ₹20 lakh cap, the least-of-three formula based on 15 days' pay per year, and why government and private employees are treated differently for FY 2026-27.
The Minimum-Amount-Due Trap on Credit Cards
A plain-English guide to the minimum amount due on credit cards. What it is, why paying only the minimum is a trap, and how to break the cycle.
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