Founder
Harsh Soni
Founder, NYVO
16+ years in financial services. Former investment banker at Bank of America, Kotak Investment Banking, and SBICaps, and ex-CFO of slice. Founder of NYVO.
Book
Paisa Vasool? Not Quite: 15 Everyday Money Mistakes & Practical Lessons for Financial Freedom
Fifteen everyday money mistakes Indian households make, and the habits that fix them. Written for readers who want practical lessons rather than jargon.
StoryMirror Infotech Pvt Ltd · July 2026 · ISBN 9789360700522
View the bookArticles by Harsh Soni
How to Finance a Wedding in India Without Derailing Your Long-Term Financial Plan
How to pay for an Indian wedding without wrecking the plan behind it: set the budget, find the real funding gap, protect the emergency fund, and borrow only for what is left.
Best Investment Options in India: The Full Menu
A category tour of the best investment options in India by asset class, equity, debt, fixed deposits, PPF and schemes, gold, real estate, REITs and the NPS, compared on risk, return, liquidity, tax and horizon.
How to Calculate Your Net Worth
Net worth is your total assets minus total liabilities. What counts on each side, a worked illustrative example you can copy, and why the trend matters more than the single number.
How to Build Wealth From a Salary
How to build wealth from a salary: use EPF as the forced base, turn appraisal season into a step-up, handle ESOPs and bonuses well, and work around the salary ceiling.
What Is Wealth Creation? The Concept, Explained
Wealth creation, defined: the gap between income and spending, invested and left uninterrupted for decades. What the term means and what it is often confused with.
Saving vs Investing: Which Comes First?
Saving vs investing comes down to one thing: time. Money you need within about three years should be saved; money you need in about five years or more usually needs to be invested to stay ahead of inflation.
How Much Do You Need to Retire in India?
How much money do you need to retire in India? Start from your expenses, not your salary, then multiply by a rule of thumb of 25 to 33 times to size the corpus.
Voluntary Provident Fund (VPF): How It Works
The Voluntary Provident Fund lets salaried employees top up their EPF beyond the mandatory 12%, at the same EPFO rate. Here is how the Voluntary Provident Fund works and how to start one.
How to Build a Retirement Corpus
How to build a retirement corpus in India: start early, invest a monthly SIP you step up as income grows, and let compounding work across EPF, NPS and equity.
The Hidden Bank Charges Quietly Costing You
Hidden bank charges are the small fees a bank deducts for shortfalls and services you barely notice. Here are the main types and how to stop paying them.
How to Retire Early in India
How to retire early in India: the savings rate that does the work, a corpus of 25 to 33 times expenses, and a plan to bridge the years before EPF, NPS and EPS open.
How Much to Save Before a Big Purchase
How much to save before a big purchase: sinking-fund framing, down-payment sizing, keeping your emergency fund intact, and matching the plan to your timeline.
Why Long-Term Investing Wins
Long-term investing means time in the market rather than timing it. How volatility smooths over long horizons, how compounding rewards patience, and why behaviour is the real edge.
What Is Financial Planning? A Beginner's Framework
Financial planning is how you turn scattered money habits into one plan. Here is what a financial plan includes and the real importance of financial planning.
Types of Mutual Funds in India, Explained
The types of mutual funds in India, explained without jargon: how SEBI's equity, debt, hybrid and solution-oriented categories map to one simple risk ladder.
Employees' Pension Scheme (EPS): How It Works
The Employees' Pension Scheme (EPS) is the pension half of EPF. Here is how the 8.33% diversion, the ₹15,000 cap, the pension formula and the age-58 start actually work.
Car Loan vs Paying Cash for a Car
Car loan vs cash: a car is a depreciating asset, so weigh loan interest against the opportunity cost of your cash and the buffer you need to protect.
National Savings Certificate (NSC): A Guide
The National Savings Certificate is a five-year, government-backed post-office investment. Here is how the National Savings Certificate works, including its unusual Section 80C treatment.
The Real Cost of Owning a Car in India
The real cost of owning a car in India goes far beyond the sticker: depreciation, fuel, insurance, service and parking, and the car vs cab break-even.
Recurring Deposit (RD): How It Works
A recurring deposit lets you save a fixed amount every month at a locked interest rate. Here is how a recurring deposit works across banks and the post office, and how its interest is taxed.
Sukanya Samriddhi Yojana (SSY): A Full Guide
Sukanya Samriddhi Yojana is a government savings scheme for a girl child. Here is how the Sukanya Samriddhi Yojana works – eligibility, deposits, its 21-year maturity, and tax.
What is EPF? Employees' Provident Fund Explained
EPF, the Employees' Provident Fund, is a retirement fund for salaried workers. Here is how the Employees' Provident Fund works, from the 12% contributions and EPFO rate to tax rules and your UAN.
Prepay Your Home Loan or Invest the Money?
Prepay your home loan or invest the money? Compare a certain saving at your loan rate against an uncertain market return, plus the tax and psychology.
What is PPF? Public Provident Fund Explained
PPF, the Public Provident Fund, is a 15-year, government-backed savings account with a tax-free return. Here is how the Public Provident Fund works, from the ₹1.5 lakh limit to withdrawals and extensions.
Section 80C: The ₹1.5 Lakh Deduction Explained
How the Section 80C deduction works in India: the ₹1.5 lakh annual cap, what qualifies, and why it applies only under the old tax regime.
Rent vs Buy a Home in India
Rent vs buy a home in India: the true cost of each, the opportunity cost of a down payment, the break-even, and the lifestyle factors the maths misses.
How Gold Is Taxed in India
How the tax on gold works in India: physical gold, gold funds and ETFs, digital gold and bonds each carry their own rules, with LTCG at 12.5% after Budget 2024.
What is a Debt Fund?
A plain-English guide to debt funds in India, what they invest in, the two risks that actually move returns, how they're taxed, and where they fit.
What is an SWP (Systematic Withdrawal Plan)?
What is an SWP, or Systematic Withdrawal Plan: how it turns a mutual fund into a monthly income, why it is the reverse of an SIP, and how its tax treatment works.
Where Should You Keep Your Emergency Fund?
Where to keep an emergency fund comes down to access, not returns. The right split: one month in savings, the rest in a liquid fund or sweep-in FD.
Credit Card Balance Transfer: When It Actually Helps
A balance transfer buys a low-rate window to clear a card. Here is how it works, the fees, and the one condition that decides whether it actually helps.
HRA Exemption: How It's Calculated
How HRA exemption works in India: the least-of-three formula, metro versus non-metro rates, and why it applies only under the old tax regime.
Large Cap, Mid Cap, Small Cap: The Difference
A plain-English guide to large cap, mid cap and small cap funds in India – how SEBI defines each by company rank, and what that means for risk.
Good Debt vs Bad Debt: How to Tell Them Apart
Good debt and bad debt are the same borrowing put to different uses. Here is the one test that tells them apart. Does the debt build you up or drain you?
What It Really Costs to Raise a Child in India
The cost of raising a child in India runs into tens of lakhs. But the total is the wrong thing to fixate on. Education inflation is what makes it a moving target, and what you plan against.
Personal Loan vs Credit Card: Which for What?
A personal loan and a credit card are built for opposite jobs. Here is which to use for what – and the revolving-credit mistake that quietly costs the most.
What is a Fund of Funds (FoF)?
A plain-English guide to fund of funds in India. How an FoF works, the types, why people use them for gold and global stocks, and the cost to watch.
Income Tax Slabs in India for FY 2026-27
A plain guide to income tax slabs in India for FY 2026-27: the new default regime, the opt-in old regime, and how the two rate structures differ.
Sinking Funds: The Trick to Never Breaking Your Budget
A sinking fund turns once-a-year costs, insurance, Diwali, school fees, into a small monthly line you barely feel. Here's how to set one up.
What Is a Top-Up Loan?
A top-up loan is extra borrowing on your existing home loan at a low rate. Here is how it works, why it is cheaper than a personal loan, and the catch.
What is a Liquid Fund? Where Idle Cash Belongs
What is a liquid fund, and why it is where your idle cash belongs – how it works, how fast you can withdraw, and how it compares with a savings account and an FD.
How Much of Your Salary Should You Actually Save?
How much you should save from your salary isn't a fixed number. The target to build toward is 20% of take-home, and the real lever is banking your next raise before lifestyle eats it.
Financial Checklist Before You Get Married (India Edition)
The money conversations, account changes, and protection upgrades most Indian couples skip, and regret. A 30-day playbook for the pre-wedding months.
The 50/30/20 Budget, Reworked for Indian Households
Why the American 50/30/20 rule breaks in Indian families, and the 50/25/15/10 split that actually fits large EMIs, parental support, and joint-family commitments.
New Baby: 10 Money Moves in the First 90 Days
The practical first-time-parent financial checklist for Indian families: PAN/Aadhaar for the baby, term cover upgrade, SSY, education SIP, tax updates, and nominee updates.
Teaching Kids About Money in India: An Age-by-Age Playbook
From ₹10 pocket money at age 6 to a first mutual fund at 16: the practical roadmap Indian parents can actually execute.
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