Author: Mithun Srivastava
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How to Read a Balance Sheet: Beginner’s Guide (2026)
Read any Indian company’s balance sheet like an analyst — the 5 ratios that matter, 5 red flags to avoid, and a 10-minute scan template.
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NPS vs PPF vs ELSS: The Complete Tax-Saving Comparison (2026)
Compare NPS, PPF, and ELSS for tax-saving under Section 80C. Lock-in, returns, taxation, and the combo most advisors recommend.
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Infosys Case Study: How India’s IT Giant Created Shareholder Wealth (2026)
Infosys went public in 1993 at ₹95 per share. An investor who held from IPO to 2026 (adjusted for splits and bonuses) would have turned ₹10,000 into over ₹7 crore — roughly 22% CAGR for 33 years. But the last 5 years have been a different story. Infosys has traded sideways, faced margin pressure, absorbed…
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How to Calculate Intrinsic Value of a Stock (DCF Made Simple)
Learning how to calculate intrinsic value of a stock is what separates serious investors from punters. Using the discounted cash flow (DCF) method, you can estimate what a business is genuinely worth — and compare that to the market price to know if you are buying at a bargain, fair value, or inflated premium. In…
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HDFC Bank Case Study: How India’s Biggest Private Bank Compounded Wealth
Between 1995 and 2023, HDFC Bank turned ₹1 lakh into over ₹6 crore — a 60×+ return at roughly 17% CAGR, outperforming the Nifty 50 by a wide margin over nearly every rolling 10-year period. How does a bank compound at 17% a year for 25 years? This case study breaks down HDFC Bank’s business…
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Price to Book (P/B) Ratio Explained with Indian Examples (2026)
The price to book (P/B) ratio is one of the simplest valuation tools in fundamental analysis — yet it quietly separates undervalued gems from value traps in the Indian stock market. In this guide, you will learn what the P/B ratio actually measures, how to read it across sectors like banks, IT, and FMCG, and…
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How to Analyze a Company Before Investing (2026 Guide)
Learning how to analyze a company before investing is the single most valuable skill in stock market investing — it separates serious wealth builders from those gambling on tips. In this guide, you will learn the exact step-by-step framework Indian fundamental investors use to evaluate a company in under 30 minutes, and the five non-negotiable…
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What is ELSS? Tax-Saving Mutual Funds Explained (2026)
ELSS (Equity Linked Savings Scheme) is the only mutual fund category in India that gives you a tax deduction. Invest up to ₹1.5 lakh a year under Section 80C, and that amount is deducted from your taxable income — saving up to ₹46,800 in taxes if you’re in the 30% bracket. ELSS is also the…
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How to Invest in Index Funds in India: Complete Beginner’s Guide
Over any 15-year period, roughly 80–90% of actively managed Indian equity funds have failed to beat their benchmark index after fees. Globally, the number is worse. What this means: if you simply buy the index, you do better than most professional fund managers do after they take their cut. That’s the case for index funds…
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What Is PE Ratio? How to Use It to Value Stocks in India
The PE ratio is the most quoted number in Indian investing — and the most misused. Get it right and you can quickly judge whether a stock is reasonably priced; get it wrong and you will overpay for hype or miss real bargains. In this guide, you will learn what the PE ratio actually measures,…