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Launching India’s first Hindi website on Personal Finance and Financial Planning

I am delighted, and very proud to launch the Hindi version of “RaagVamdatt.com – Financial Planning Demystified”, called “RaagVamdatt.com – Aapka Paisa, Aapki Planning”. It is India’s first Hindi website on Personal Finance and Financial Planning. … [Read more...]

Cost To Company or CTC salary: Understanding and Calculation

What is Cost to Company or CTC salary? How is it calculated? If your CTC package is so high, why do you get so little in hand? This article explains it all. … [Read more...]

Interview published at RanjanVarma.com

I have recently been interviewed by Ranjan Varma of RanjanVarma.com. Check out the details. … [Read more...]

Articles from RaagVamdatt.com published in Dignity Dialogue

Select articles from RaagVamdatt.com are now being published in Dignity Dialogue, a publication from the NGO Dignity Foundation. … [Read more...]

Understanding the components of your salary and their taxation

Your salary consists of many components. This article explains what each component means. It also discusses the income tax applicability of each component.[The article has been inspired by a query from reader Dinesh Kumar] … [Read more...]

All you wanted to know about Senior Citizen Savings Scheme (SCSS)

The Senior Citizen Savings Scheme (SCSS) is often referred to as the best alternative for the elderly to invest their money. Is this justified? Here's a detailed look at all the features of the Senior Citizen Savings Scheme, and an analysis of whether you should invest in it or not. … [Read more...]

Not Cash, Not Travellers Cheques: Use Travel Card

 When you travel abroad, how do you carry the money? Cash or travellers cheques, right? Now, there is a third alternative which offers the best of both: A travel card. … [Read more...]

An introduction to Hedge Funds

We often hear the term “hedge fund”. Many business news papers and TV channels in India blame hedge funds whenever the stock market falls. So, what are hedge funds? How do they work? Do they operate in India? Let’s explore. … [Read more...]

Why does the financial / fiscal year start from 1st April?

The financial year (FY) runs from April to March. Companies present their yearly account for the period April – March. The government presents its budget for April – March. Even we file our income tax information for April – March. Ever wondered why the financial year is from April to March, and not … [Read more...]

Provident Fund (PF) and Voluntary Provident Fund (VPF)

Provident Fund (PF) and Voluntary PF (VPF) are two investment avenues that most salaried people invariably encounter. This article explains what PF is, and also talks about Voluntary Contributions to the PF account. Here’s how you can use PF and VPF to create a great base for a great retirement. … [Read more...]