Writing
Articles
Opinionated long-form posts on Indian personal finance. Each piece links to the calculators that produced its numbers, so you can re-run the math with your own inputs.
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Why most LIC endowment policies quietly underperform — and when they don't
An honest look at the math behind India's most-sold savings product. The headline IRR is usually 4–6%, but the picture changes once you separate insurance from investment.