Founder
Kshitij Jain
Founder, NYVO
Alumni of IIT Delhi and IIM Ahmedabad. Former consultant at BCG and part of the strategy team of slice. Founder of NYVO.
SEBI IA Registration: INA000022172 · Verify on SEBI →
Articles by Kshitij Jain
What CIBIL Score Do You Need for a Home Loan?
The CIBIL score you need for a home loan in India, the usual 750 cut-off, why the score sets your interest rate, and how to fix it before you apply.
Asset Allocation: The Decision That Matters Most
Asset allocation is how you split money across equity, debt, gold, cash and real estate. Here is why the mix drives most of your long-run outcome, and how to set yours.
Retirement Planning in India: A Beginner's Guide
A beginner's guide to retirement planning in India: why to start early, the accumulate-then-spend arc, corpus versus income, and the vehicles that get you there.
The Power of Compounding, Explained
Compounding is returns earning returns, and the later years add the most. This guide walks through an illustrative example of how ₹1 lakh can grow at an assumed 10%, and why time is the lever.
How to Improve Your CIBIL Score in India
A practical, India-specific guide to raising your CIBIL score, what actually moves the number, what doesn't, and how long it really takes.
CAGR Full Form: What It Means and How to Read It
The CAGR full form is Compound Annual Growth Rate: the single yearly rate an investment grew at. What it measures, the formula, and why SIPs need XIRR.
What is an InvIT? Infrastructure Trusts Explained
What is an InvIT? A SEBI-regulated trust that owns income-earning infrastructure like roads, power lines and pipelines, paying yield in small units.
How to Check if an Adviser is SEBI-Registered
How to check if an investment adviser is SEBI-registered: search SEBI's public list, read the INA registration number, confirm BASL membership, and use SCORES for complaints.
Your FIRE Number: The 25x Rule and the 4% Maths
The maths behind your FIRE number: how a withdrawal rate becomes a multiple, why 4% means 25x and 3% means 33x, and how to stress-test both for India.
What is NAV in Mutual Funds?
NAV, or Net Asset Value, is a mutual fund's per-unit price. What NAV means, how it's calculated, and why a low NAV does not make a fund cheaper or better value.
What Is FIRE? The Movement, the Method and Its Variants
What is FIRE? A plain definition of Financial Independence, Retire Early: where the movement came from, how the method works, and the Lean, Fat and Coast variants, read for India.
Portfolio Diversification, Explained
Portfolio diversification spreads your money across and within asset classes to cut risk. Here is what it protects against, what it cannot fix, and how much is enough.
The Rule of 72: How Fast Money Doubles
The Rule of 72 estimates how many years an investment takes to double: divide 72 by the annual return. This guide has a worked illustrative table, its accuracy, and the inflation version.
Risk Appetite, Tolerance and Capacity
Risk appetite, tolerance and capacity are three different ideas that get lumped together. This guide explains each, how to gauge your own, and why investments should match all three.
NPS Tax Benefits: 80CCD(1), (1B) and (2)
The NPS tax benefit explained, how 80CCD(1), the extra ₹50,000 under 80CCD(1B), and the employer deduction under 80CCD(2) work, and which survive the new regime.
Coast FIRE, Lean FIRE and Fat FIRE Explained
Coast FIRE, Lean FIRE, Fat FIRE and Barista FIRE explained. The variants change the target and the timing, and Coast means you have invested enough early to stop and let it grow.
Atal Pension Yojana (APY): How It Works
How the Atal Pension Yojana works: the ₹1,000 to ₹5,000 government-guaranteed pension, who can join between 18 and 40, and why income-tax payers are now barred.
What is a REIT? Property You Can Buy in Units
What is a REIT? A listed trust that owns income-earning commercial property and pays out most of its rent as distributions, bought in small units.
NPS vs EPF: How They Compare
NPS vs EPF compared structurally: how each is funded, fixed versus market-linked returns, what you get at the end, and the tax treatment. No verdict, it depends on your situation.
How to Rebalance Your Portfolio
Rebalancing returns a portfolio to its target weights after markets pull it off course. This guide covers calendar vs threshold methods, the mechanics, and the tax and cost friction in India.
Flat vs Reducing Interest Rate: The Real Cost
A plain-English guide to flat vs reducing interest rate in India: why a flat rate quietly costs almost double, with a worked comparison table.
What Inflation Really Does to Your Money
The effects of inflation are quiet but relentless: rising prices erode what your money can buy, so a return that only matches inflation leaves you standing still in real terms.
What Is an Annuity? Types and How They Work
What is an annuity? A plain guide to how annuities turn a lump sum into regular income: immediate versus deferred, the main types, how they are taxed, and why they are illiquid.
Loan Foreclosure: Should You Prepay in Full?
What loan foreclosure means in India, when closing a loan in full saves the most, and the RBI rule on foreclosure charges for floating-rate loans.
Section 87A Rebate: How the Zero-Tax Threshold Works
How the Section 87A rebate makes income tax nil up to a threshold: the FY 2026-27 limits under the new and old regimes, and why a rebate is not an exemption.
What is an STP (Systematic Transfer Plan)?
What an STP is, how a Systematic Transfer Plan moves a lump sum from a low-risk fund into equity in slices, the tax catch, and who it suits.
Gold vs Silver as an Investment
Gold vs silver as an investment in India: silver is more industrial and volatile, gold a steadier store of value. Neither pays income of its own.
EPF vs PPF: What's the Difference?
EPF vs PPF compared, the salaried, employer-matched fund with an annually set rate against the voluntary 15-year PPF whose rate the government revises every quarter.
PPF vs NPS: How to Choose
PPF vs NPS compared by structure: a fixed government rate with tax-free maturity against a market-linked account with a higher ceiling and a compulsory annuity at 60.
Advance Tax: Who Pays, When, and How Much
How advance tax works in India: the ₹10,000 threshold, the four instalment dates, who is exempt, and the 234B/234C interest for paying late.
How Much Gold Should You Own?
How much gold should you own in a portfolio? A common rule of thumb is 5-10%, held as a diversifying slice and rebalanced, not a growing pile.
What Is NPS? The National Pension System Explained
What is NPS? A plain guide to the National Pension System – the Tier I and Tier II accounts, how the money is invested, and the 60/40 lump-sum-and-annuity split at 60.
Gold: Physical vs ETF vs Digital vs SGB
Gold ETF vs physical gold, plus digital gold and Sovereign Gold Bonds, compared on cost, storage, liquidity and purity so you can pick a form that fits.
CIBIL Score Range Explained (300 to 900)
The CIBIL score range runs from 300 to 900, but the bands are not a smooth ramp. Here is what poor, fair, good, excellent, and NA/NH each mean to a lender.
How to Fix Errors on Your Credit Report (CIBIL Dispute)
A CIBIL dispute is the free, online way to correct a factual error on your credit report. Here is the step-by-step, who actually fixes it, and what a dispute cannot do.
Direct vs Regular Mutual Funds: The Fee Difference
What direct and regular mutual fund plans are, why the regular plan costs more each year, and how that fee difference compounds over time.
Is Gold a Good Investment?
Is gold a good investment in India? Gold is a diversifier and inflation hedge that holds value across decades, but it pays no income of its own.
What Counts as a Good CIBIL Score in India
A good CIBIL score in India starts at 750, the threshold that flips you from priced-for-risk to priced-for-trust. Here is what the number means, and why chasing 900 misses the point.
Loan Prepayment: How to Do It Right
How loan prepayment works in India – why prepaying early and cutting the tenure, not the EMI, saves the most, plus the RBI no-penalty rule on floating-rate loans.
Capital Gains Tax in India: LTCG and STCG Explained
A plain-English guide to capital gains tax in India: which assets are taxed, how holding periods split short-term from long-term, and the FY 2026-27 rates.
Old vs New Tax Regime: How They Differ
How India's old and new income-tax regimes differ for FY 2026-27, lower slab rates without deductions versus higher rates with 80C, HRA and more.
What is a SIP? How Systematic Investment Plans Work
A SIP, or Systematic Investment Plan, auto-invests a fixed amount in a mutual fund on a fixed date. How SIPs work, rupee-cost averaging, and what they don't promise.
Marginal Relief: How It Softens the Rebate Cliff
How marginal relief works in India's new tax regime – it caps the extra tax when income just crosses the ₹12 lakh rebate line, for FY 2026-27.
What is XIRR, and Why It Beats CAGR for SIPs
XIRR, or Extended Internal Rate of Return, is the true annualised return on irregular cashflows like SIPs. What XIRR means, how to calculate it, and why CAGR falls short.
Money Mindset: The Beliefs That Quietly Shape Your Balance
Your money mindset, the beliefs about money you absorbed as a child, shapes your bank balance as much as your salary does. Here's how to spot and rewrite them.
Debt Consolidation in India: How It Works
A plain-English guide to debt consolidation in India, how folding several high-rate dues into one lower-rate loan works, and when it actually helps.
Rupee Cost Averaging: Why SIPs Actually Work
What rupee cost averaging is, how investing a fixed amount each month lowers your average cost per unit, and the honest limit of the idea.
Taxation of Mutual Funds in India (FY 2025-26): Every Category, One Playbook
Equity, debt, hybrid, ELSS, arbitrage, international, gold, index, ETFs, FoFs: the complete FY 2025-26 tax treatment for every mutual fund category in India, with rates, holding periods, and worked examples.
SIP vs Lumpsum: Which Actually Wins in Indian Markets?
SIP vs lumpsum, backtested across rising, flat, and falling 20-year windows on the Nifty 50. When SIP wins, when lumpsum wins, and the middle path most investors miss.
Emergency Fund: How Much Do Indian Families Actually Need?
The generic 6× salary rule breaks for Indian households. Here's how to size an emergency fund by real monthly expenses, family structure, and risk.
Goal-Based Planning 101: Turning Life Into Numbers
Why product-first investing fails, and how to build a plan around five concrete goals, emergency fund, retirement, education, home, lifestyle, with real numeric targets.
Index vs Active Funds: The 2026 Indian Reality
SPIVA India numbers, expense ratio drag, where active still wins, and the core-satellite approach that most NYVO clients use.
Term vs Whole Life: The 60-Second Primer for Investors
The short version of why term always beats whole-life/ULIP/endowment for pure protection, plus where to go for the actual buying guide.
Health Cover for Active Investors: The Minimum You Need
Why one hospitalization can undo 5 years of SIPs, and the base + super-top-up architecture that every investor should own.
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