Author: Mithun Srivastava
-
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.
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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,…
-
What Is a Mutual Fund? Complete Beginner’s Guide for Indian Investors
A mutual fund is a professionally managed investment scheme that pools money from thousands of investors and invests that collective corpus into stocks, bonds, or other securities on their behalf. You own “units” of the fund proportional to how much you put in, and the value of each unit — the Net Asset Value (NAV)…