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Plain answers to the things clients actually ask.

No jargon, no pitch. Each page explains one idea, and takes a few minutes to read.

Mutual funds

SIF — Specialized Investment Fund

SEBI's newest fund category. What it is, how it differs from a mutual fund, who it suits, and why the minimum is ₹10 lakh.

Also in हिंदी मराठी ગુજરાતી

XIRR vs CAGR

Your statement shows two return numbers and they disagree. One measures the fund, the other measures your money. Which to read, and when.

Global investing

GIFT City funds

Invest in foreign markets in US dollars, under an Indian regulator — outside the limit that paused many international funds. How they work and who they suit.

Insurance

Deductible vs co-pay

Both mean you pay part of the hospital bill. One applies once, the other applies to every single claim. The difference costs real money.

Restoration benefit

Your cover refills after you use it up — usually free. Two clauses decide whether it actually helps your family or not.

Room rent limit

Take a hospital room above your policy limit and the insurer cuts the doctor, surgeon and OT charges too — not just the room. How the cut works, with simple numbers.

More explainers are on the way.