Blogs
mutual-fundsIndex Funds in India: A Beginner-Friendly Guide
27 May 2026By Novelty Wealth TeamIndex Funds in IndiaWhat Are Index FundsPassive InvestingNifty 50Index FundsMutual Funds IndiaIndex Mutual FundsETFs India
Understand how index funds work in India, how passive investing compares to active funds, and what investors should know before investing.
Novelty Wealth Team/27 May 2026
newsIndia Just Doubled the Gold Import Duty to 15%. Here's Why It Happened and What It Means.
15 May 2026By Merlyn gold customs duty India 2026why India raised gold dutyIndia gold import billGold Import Duty
Three days after PM Modi asked Indians to stop buying gold, the government made it policy. The gold import duty jumped from 6% to 15%. Here's the West Asia war, weakening rupee, and forex pressure behind the move - and what it means for your portfolio.
Merlyn /15 May 2026
investmentsElectronic Gold Receipt (EGR): Should You Buy? How Does It Compare to Other Gold Options?
13 May 2026By Merlyn EGR IndiaEGR vs Gold ETFhow to buy EGRSGB vs EGR
NSE launched Electronic Gold Receipts (EGRs) in May 2026 - the only SEBI-regulated, exchange-traded gold product with a physical delivery option. Here's how EGRs work, what they cost, how they're taxed, and whether they belong in your portfolio.
Merlyn /13 May 2026
mutual-fundsHybrid Mutual Funds Explained: Types, Benefits, and Risks
30 April 2026By PratheekMutual Funds IndiaHybrid Mutual FundsAsset AllocationPortfolio DiversificationInvestment StrategyEquity and Debt FundsBalanced FundsPersonal Finance IndiaLong Term Investing
Learn how hybrid mutual funds combine equity and debt to balance risk and returns in your investment portfolio.
Pratheek/30 April 2026
mutual-fundsHow to Build a Mutual Fund Portfolio: A Complete Guide
29 April 2026By PratheekMutual Funds IndiaMutual Fund Portfolio Portfolio Building Asset Allocation Investment Planning Long Term Investing Wealth Creation Portfolio Diversification Personal Finance India
Discover how to build a mutual fund portfolio step by step. Learn asset allocation, diversification, and strategies for better returns.
Pratheek/29 April 2026
mutual-fundsMutual Fund Portfolio Rebalancing: When and How to Do It
28 April 2026By PratheekMutual FundsIndia Portfolio RebalancingMutual Fund PortfolioAsset AllocationInvestment StrategyRisk ManagementLong Term InvestingPortfolio ManagementPersonal Finance India
Learn when and how to rebalance your mutual fund portfolio to manage risk and maintain the right asset allocation.
Pratheek/28 April 2026
mutual-fundsLarge Cap vs Mid Cap vs Small Cap Funds: Key Differences Explained
27 April 2026By PratheekMutual Funds IndiaLarge Cap FundsMid Cap FundsSmall Cap FundsAsset AllocationInvestment StrategyPortfolio DiversificationEquity Mutual FundsLong Term Investing
Compare large cap, mid cap, and small cap mutual funds to understand their risk, returns, and role in your portfolio.
Pratheek/27 April 2026
mutual-fundsDebt Funds vs Fixed Deposits: Which Is Better for You
23 April 2026By PratheekMutual Funds IndiaDebt Mutual FundsFixed DepositsInvestment Options IndiaLow Risk InvestmentsPortfolio DiversificationInvestment StrategyPersonal Finance IndiaFixed Income Investments
Compare debt mutual funds and fixed deposits to understand which option suits your risk, returns, and liquidity needs.
Pratheek/23 April 2026
newsRBI MPC April 2026: Repo Rate Unchanged, But Middle East Crisis Drives Outlook
8 April 2026By MerlynRBI Repo RateMPCMonetary Policy Home Loan EMIInterest Rates India
RBI holds the repo rate at 5.25%. No change to EMIs or FD rates today. But a West Asia ceasefire and falling crude prices may give the RBI room to cut in June. Here is what actually matters.
Merlyn/8 April 2026
investmentsHighest FD Rates in India Right Now (April 2026): And Why Chasing Them Could Be a Mistake
7 April 2026By MerlynPost Office Time DepositNBFCSmall Finance BanksFD Rates IndiaFixed DepositNSCCapital PreservationDICGC
Small finance banks are offering up to 8.15% right now. But after tax, penalties, and insurance limits, the highest rate rarely tells the full story. Here are the current FD rates across all categories and a rational framework for using them correctly.
Merlyn/7 April 2026
mutual-fundsExpense Ratio in Mutual Funds: Meaning, Impact, and How to Choose
3 April 2026By Novelty Wealth TeamMutual Funds IndiaExpense RatioMutual Fund InvestmentInvestment BasicsMutual Fund CostsEquity Mutual FundsIndex Funds IndiaLong Term InvestingPortfolio DiversificationPersonal Finance India
Learn what expense ratio in mutual funds means, how it impacts your returns, and how to choose the right funds for long-term investing.
Novelty Wealth Team/3 April 2026
taxThe New Income Tax Act 2025: What Changed and What It Means for You
1 April 2026By Merlyn Income Tax Act 2025New Tax RegimeOld Tax RegimeIncome Tax Slabs 2026-27HRA Exemption ITR 2026New Income tax law
The Income Tax Act 1961 was replaced on April 1, 2026. New section numbers, simplified language, updated exemptions, and three changes that directly affect investors. Here is the full breakdown in plain language.
Merlyn /1 April 2026
personal-financeEmergency Fund in India: Why You Need One and Where to Park It in 2026
31 March 2026By MerlynEmergency FundLiquid FundsArbitrage FundsSavings AccountPersonal Finance IndiaFinancial PlanningFinancial Safety Net
Most Indian investors have wealth on paper but no liquidity when life actually demands it. Here is how to build your emergency fund, how much to keep, and exactly where to park it using a simple three-layer system.
Merlyn/31 March 2026
mutual-fundsMulti-Asset Allocation Funds in 2026: Do They Make Sense for Indian Investors Right Now?
30 March 2026By MerlynMulti-Asset FundMutual FundsAsset AllocationMulti Asset FundsTop Multi Assets Funds 2026
Multi-asset allocation funds invest across stocks, gold, and bonds automatically. Find out how they work, how they are taxed, and whether they suit you in 2026.
Merlyn/30 March 2026
mutual-fundsDirect vs Regular Mutual Funds: Which One Should You Choose
30 March 2026By Novelty Wealth TeamMutual Funds IndiaDirect vs RegularMutual Fund InvestmentExpense RatioInvestment PlanningLong Term InvestingPortfolio DiversificationPersonal Finance IndiaMutual Fund Basics
Understand the difference between direct and regular mutual funds. Learn how costs, returns, and guidance impact your investment decisions.
Novelty Wealth Team/30 March 2026
newsIndian Rupee Falling Against the Dollar: How Did We Get to 95 and What It Means for You
30 March 2026By Merlyn Indian rupee falling against the dollarDollarRupeeINRUSD-INRrupee fall impact USD to INRForeign ExchangeForex Reserves
The rupee has crossed 95 to the dollar for the first time. Here is why it is falling, what the RBI is doing about it, and what it actually costs you in daily life.
Merlyn/30 March 2026
mutual-fundsHow to Choose the Right Mutual Funds in India for Long-Term Investing
26 March 2026By Novelty Wealth TeamMutual Funds IndiaLong Term InvestingMutual Fund InvestmentWealth CreationInvestment PlanningEquity Mutual FundsIndex Funds IndiaPortfolio DiversificationAsset AllocationPersonal Finance India
Discover how to select the best mutual funds for long term in India. Learn about compounding, fund types, and smart investing strategies.
Novelty Wealth Team/26 March 2026
mutual-fundsHow to Choose the Right Mutual Funds in India for Beginners
26 March 2026By Novelty Wealth TeamMutual Funds IndiaBeginner Investing IndiaMutual Fund InvestmentInvestment PlanningSIP InvestmentEquity Mutual FundsIndex Funds IndiaPortfolio DiversificationLong Term InvestingPersonal Finance India
Learn how to choose the best mutual funds for beginners in India. Understand risk, fund types, and how to start investing with confidence.
Novelty Wealth Team/26 March 2026
mutual-fundsBest SIP Mutual Funds in India: How to Choose the Right Funds
26 March 2026By PratheekSIP Mutual FundsSIP InvestmentMutual Funds IndiaMutual Fund InvestmentSystematic Investment PlanEquity Mutual FundsIndex Funds IndiaPortfolio DiversificationLong Term InvestingPersonal Finance India
Learn how to choose the best SIP mutual funds in India based on your goals, risk, and time horizon. Make smarter investment decisions with a structured approach.
Pratheek/26 March 2026
personal-financeCan you withdraw 100% of your EPF? New EPF Rules explained
26 March 2026By Merlyn EPFOEPFEPF withdrawal Retirement PlanningEPF Rules 2026Provident Fund,
EPFO has merged 13 withdrawal categories into 3 and cut the minimum service period to 12 months. Here is what changed, how much you can withdraw, and which form you need.
Merlyn /26 March 2026
investmentsNifty 50 vs Nifty 500: What's Actually Different, and Does It Matter?
25 March 2026By Merlyn Nifty 50Nifty 500 Index FundsNiftyNifty 50 vs Nifty 500
Nifty 50 and Nifty 500 share the same top 10 stocks. So what is actually different? A data-backed comparison of returns, risk, and which index suits your portfolio in 2026.
Merlyn/25 March 2026
newsAI wealthtech startup Novelty Wealth raises $1.4M led by IndiaQuotient
24 March 2026By Novelty Wealth TeamNovelty WealthIndiaQuotientwealthtechfintechAI advisorySEBI-RIAIndian investorsseed fundingpersonal finance
Novelty Wealth, a SEBI-RIA licensed wealthtech startup, has raised $1.4M led by IndiaQuotient to scale its AI-powered advisory platform for Indian investors.
Novelty Wealth Team/24 March 2026
investmentsWhy Is Gold Price Falling in India Today? Here Is What You Need to Know
23 March 2026By Merlyn Gold Prices IndiaGold InvestmentGold Rate TodayPersonal Finance India Asset AllocationInflation HedgeInterest RatesInvestment Strategy
Gold prices have fallen ₹45,000 in 2026 despite global uncertainty. Here’s why gold is falling in India and what investors should do next.
Merlyn /23 March 2026
investmentsTurn ₹15 Lakh Into ₹45 Lakh Income. Zero Tax. Government-Backed. The PPF Calculation Nobody Shows You.
18 March 2026By Merlyn SusanaPPF strategy Indiatax-free incomeinvestmenntPPF withdrawal rulesretirement planning Indiagovernment schemes IndiaPPF maturity ruleslong term investing Indiatax saving investmentsSection 80C
A detailed breakdown of how the Public Provident Fund (PPF) can be structured to generate long-term, tax-free income. Learn how ₹15 lakh invested over 10 years can potentially create ₹45 lakh in withdrawals using PPF rules.
Merlyn Susana/18 March 2026
family-financesFamily Budgeting Fundamentals: How to Create a Monthly Budget That Actually Works
17 March 2026By Novelty Wealth TeamFamily Budgeting Personal Finance Monthly Budget Financial Planning Money Management Household Expenses
Stop wondering where your money goes. Master family budgeting fundamentals with our step-by-step guide to creating a sustainable, stress-free monthly budget.
Novelty Wealth Team/17 March 2026
investmentsThe Ultimate Guide to Investment Tracking
17 March 2026By PratheekInvestment Tracking Indian Stock Market Portfolio Management Mutual Funds India Wealth Management
Learn how to track your investments across apps, funds, and accounts without missing anything.
Pratheek/17 March 2026
investmentsGoal-Based Investing in India: How to Plan Investments for Life Goals
17 March 2026By Novelty Wealth TeamGoal-Based Investing Financial Planning Retirement Planning Education Funding Investment Strategy SIP Planning
Plan your investments around life goals like retirement, education, and buying a home: without chasing random returns.
Novelty Wealth Team/17 March 2026
personal-financeUnderstanding India Retail Inflation: Why It Rose in February and What Happens Next
17 March 2026By Merlynindia retail inflationrbi inflation targetfood inflation indianew cpi series india
Explore key trends and future projections of retail inflation in India for 2026. Understand the factors at play and what they mean for consumers. Read more.
Merlyn/17 March 2026
taxTax Loss Harvesting India: A Guide for FY 2025–26
16 March 2026By Novelty Wealth TeamTax Loss Harvesting Capital Gains Tax Tax Planning Investment Taxation Mutual Funds Personal Finance India
Learn how tax loss harvesting works in India for FY 2025–26. Discover how to offset capital gains with losses, reduce taxes, and manage your investments more efficiently.
Novelty Wealth Team/16 March 2026
taxCapital Gains Tax on Property in India (FY 2025–26): Complete Guide
16 March 2026By Novelty Wealth TeamCapital Gains Tax Property Tax India Tax on Property Sale Long-Term Capital Gains Short-Term Capital Gains Indexation Benefit Section 54 Exemption Real Estate Investment Tax Planning India
Understand capital gains tax on property in India for FY 2025–26. Learn how to calculate STCG and LTCG, use indexation, and save tax with Sections 54, 54F, and 54EC.
Novelty Wealth Team/16 March 2026
taxTax on Mutual Funds in India: STCG, LTCG, and Debt Fund Taxation Explained
16 March 2026By Novelty Wealth TeamMutual FundsMutual Fund TaxationCapital Gains TaxEquity Mutual FundsDebt Mutual FundsSIP InvestmentsELSS Tax SaverTax PlanningIncome Tax IndiaPersonal Finance
Understand how mutual funds are taxed in India for FY 2025–26. Learn the rules for equity and debt funds, STCG vs LTCG, SIP taxation, dividends, and tax-saving strategies.
Novelty Wealth Team/16 March 2026
mutual-fundsWhat Is an Equity Savings Fund? Meaning, Taxation & How It Works
13 March 2026By Merlyn Mutual FundsPersonal Financeequity savings fundhybrid mutual fundarbitrage strategymutual fund taxation
A beginner-friendly guide to Equity Savings Funds covering meaning, portfolio structure, taxation, risk level, and who should invest.
Merlyn /13 March 2026
stocksWhy Are Nifty and Sensex Falling? Here's What the Middle East War Means for Your Money
12 March 2026By Merlynnifty fall sensex fall why markets are falling indian stock market news middle east war impact on markets strait of hormuz oil crisis oil prices and india
Indian markets are falling as geopolitical tensions in the Middle East push oil prices higher. Here’s how the conflict, the Strait of Hormuz, and global investors could affect your money.
Merlyn/12 March 2026
taxCapital Gains Tax: How Different Investments Are Taxed in India (FY 2025-26)
12 March 2026By Novelty Wealth TeamCapital Gains Tax India Capital Gains Tax FY 2025-26 Tax on Mutual Funds India Gold Investment Tax India Sovereign Gold Bonds Tax Fixed Deposit Tax India Real Estate Capital Gains Tax STCG vs LTCG India
Understand how different investments are taxed in India for FY 2025–26. Learn tax rules for shares, mutual funds, gold, fixed deposits, bonds, and property.
Novelty Wealth Team/12 March 2026
taxCapital Gains Tax on Shares in India (FY 2025-26): STCG vs LTCG Made Easy
12 March 2026By Novelty Wealth Teamcapital gains tax India capital gains tax on shares STCG vs LTCG India stock market tax India short term capital gains tax India long term capital gains tax India
Confused about capital gains tax on shares? This guide explains STCG vs LTCG, tax rates, and how stock market gains are taxed in India for FY 2025–26.
Novelty Wealth Team/12 March 2026
taxCapital Gains Tax in India (FY 2025–26, AY 2026–27)
12 March 2026By Novelty Wealth TeamCapital Gains Tax India STCG vs LTCG Investment Tax India Tax on Stocks and Mutual Funds Capital Gains Calculation Tax Planning India Income Tax Act India Capital Gains on Property and Gold Capital Gains FY 2025–26 Personal Finance India
A complete guide to capital gains tax in India for FY 2025–26. Understand STCG vs LTCG rules, tax rates across asset classes, and practical examples for shares, gold, property, and foreign investments.
Novelty Wealth Team/12 March 2026
family-financesWhy Every Modern Household Needs a Family Finance CFO
10 March 2026By Novelty Wealth TeamFamily Finance Wealth Management Financial Planning Family CFO Household Budgeting Legacy Planning
Most families manage money reactively. The smartest ones don’t. Learn how adopting a Family CFO mindset can turn everyday finances into a strategy for lasting wealth.
Novelty Wealth Team/10 March 2026
taxWhat is Liquidity Funds? Meaning, How They Work, Benefits & Taxation
6 March 2026By Novelty Wealth TeamLiquid Funds MeaningBest Liquid Mutual Funds IndiaDebt Fund Taxation 2026Short Term Investment OptionsMoney Market InstrumentsEmergency Fund Planning
Discover how to make your idle cash work harder. This comprehensive guide explains liquid funds—low-risk debt mutual funds that offer better return potential than a savings account with high liquidity. Learn how they work, the tax implications post-2023, and how to use them for emergency funds or systematic investment planning.
Novelty Wealth Team/6 March 2026
taxSet Off and Carry Forward of Losses: How to Use Your Losses to Pay Less Tax in India
5 March 2026By Novelty Wealth TeamIncome Tax India Tax Planning Set-Off of Losses Carry Forward of Losses Capital Gains Tax India Business Loss Tax Rules Tax Loss Harvesting India ITR Filing Tips
Turn losses into tax savings. This guide breaks down how set-off and carry forward rules work under Indian tax law—so you can reduce taxable income, optimise across income sources, and make smarter financial decisions year after year.
Novelty Wealth Team/5 March 2026
mutual-fundsDifference Between SIP and Mutual Fund Explained
26 February 2026By Novelty Wealth Teamdifference between sip and mutual fundSIP vs mutual fundSIP and mutual fund differencewhat is SIPwhat is mutual fund
Confused between SIP and mutual funds? Learn the real difference, compare SIP vs lump sum and RD, and understand which investment route fits your financial goals best.
Novelty Wealth Team/26 February 2026
mutual-fundsThinking of Investing in NFO Mutual Funds? Read This Before You Decide
26 February 2026By Novelty Wealth TeamNFO in mutual fundnew fund offering benefits of nfo
Thinking about investing in NFO mutual funds? Learn how they work, key risks, IPO differences, and how to decide if a new fund offer fits your portfolio goals.
Novelty Wealth Team/26 February 2026
taxNew Tax Regime vs Old Tax Regime: Which One Saves You More in 2026
23 February 2026By Novelty Wealth TeamNew vs Old Tax RegimeNew Tax Regime Deductionsnew tax regime comparison
Choosing between the old and new tax regime can impact your tax savings and investments. Learn how slab rates, deductions, and exemptions differ and which regime may work better for your income profile.
Novelty Wealth Team/23 February 2026
mutual-fundsWhat is a Balanced Advantage Fund and How Does it Work?
23 February 2026By Novelty Wealth TeamBalanced Advantage Fundbest hybrid fundsbalanced funds in mutual funds
Discover how balanced advantage funds dynamically shift between equity and debt to manage risk, reduce volatility, and support long-term wealth creation for moderate investors.
Novelty Wealth Team/23 February 2026
mutual-fundsOpen-Ended or Closed-Ended Funds: What Fits Your Goals?
16 February 2026By Novelty Wealth Teamopen ended and closed ended fundsclose ended and open ended mutual fund
Open-ended or closed-ended funds? Explore the real differences in liquidity, pricing, and control so you can make smarter investment decisions that truly align with your life goals, time horizon, and need for flexibility as your financial priorities evolve over time.
Novelty Wealth Team/16 February 2026
personal-financeIs Your Emergency Fund Bigger Than It Needs to Be?
16 February 2026By Novelty Wealth TeamEmergency FundEmergency Fund PlanningFinancial Planning
An emergency fund covers surprises without forcing loans or selling investments. Keep only the instant-access layer in a savings account, park the next layer in FDs, and use liquid or money market funds for short-term parking while staying low risk.
Novelty Wealth Team/16 February 2026
investmentsGold ETF or Gold Mutual Fund: What Should You Choose in 2026?
16 February 2026By Novelty Wealth TeamGold ETF vs Gold Mutual FundGold ETFGold Mutual FundGold Investment
Gold ETF or gold mutual fund? Learn how gold MF vs gold ETF differ in costs, tax treatment, liquidity, and overall investment experience before allocating gold in your long-term portfolio.
Novelty Wealth Team/16 February 2026
investmentsWhy are Investors Moving from Physical Gold to Paper Gold?
12 February 2026By Novelty Wealth TeamInvestmentPaper gold
Investors are increasingly shifting from physical gold to paper gold. This blog explains the key differences, benefits, and risks. Learn how to choose the smarter gold investment for your goals.
Novelty Wealth Team/12 February 2026
taxWhat Is Tax Harvesting and How Can It Save You Money?
11 February 2026By Novelty Wealth TeamTax HarvestingInvestment Tax Planningharvesting strategy
Learn how tax harvesting helps investors save money by reducing capital gains tax through planned selling of investments, while maintaining portfolio balance and long-term wealth creation objectives.
Novelty Wealth Team/11 February 2026
family-financesJoint Tax Filing for Married Couples
10 February 2026By Novelty Wealth TeamFamily Finances Joint Tax Filing ICAI ProposalJoint Tax Filing for Married Couples Joint Tax for Couples
An optional joint taxation system could lower tax outgo for many Indian families. Understand how ICAI’s proposal may impact your household finances.
Novelty Wealth Team/10 February 2026
investmentsWhat Is XIRR in Mutual Funds? Learn How It Differs from CAGR
6 February 2026By Novelty Wealth TeamXIRR vs CAGRXIRR in Mutual FundsXIRR vs Absolute Return
XIRR shows your annualized mutual fund return when investments happen on different dates, such as SIPs, because it factors each cash flow timing. On the other hand, CAGR assumes one start-to-end investment and smooth growth, so it can misread staggered contributions.
Novelty Wealth Team/6 February 2026
investmentsULIP vs Mutual Fund: Difference, Returns & What to Choose
6 February 2026By Novelty Wealth TeamULIP vs Mutual FundInvestment ComparisonMutual Funds
ULIPs and mutual funds serve different purposes, yet they are often compared only on returns. A ULIP combines life insurance with market-linked funds and a mandatory 5-year lock-in. A mutual fund is a pure pooled investment. ULIPs carry insurance-policy charges; mutual funds are usually more liquid with simpler costs and clearer pricing.
Novelty Wealth Team/6 February 2026
union-budgetLandmark Budget Moves That Shaped India's Taxes, Businesses & Economy
2 February 2026By Novelty Wealth TeamUnion Budget Decisions Union BudgetIndia Union BudgetHistoric Union Budget DecisionsLandmark Union Budget Decisions
Explore the landmark Union Budget decisions that reshaped personal taxes, corporate policy, and India’s investment landscape (from liberalisation to GST to ₹12 lakh tax-free income) and what they mean for investors today.
Novelty Wealth Team/2 February 2026
union-budgetFiscal Deficit, Revenue Deficit & Primary Deficit: What They Mean for Investors
1 February 2026By Novelty Wealth TeamFiscal Deficit Revenue DeficitPrimary Deficit Union Budget IndiaGilt Funds Debt Mutual FundsInterest Rates
Confused by budget terms like fiscal deficit, revenue deficit, and primary deficit? This guide breaks down what these government deficits actually mean and how they influence interest rates, gilt funds, inflation, and your mutual fund investments.
Novelty Wealth Team/1 February 2026
union-budgetUnion Budget STT Hike 2026: Impact for Traders and Investors in India
1 February 2026By Novelty Wealth TeamUnion Budget Portfolio ManagementFinancial Planning Indian Stock MarketSTT
The Union Budget 2026 has introduced the biggest Securities Transaction Tax (STT) hike on derivatives in India’s history. Here’s what the new STT rates mean for F&O traders, investors, and your overall trading strategy — and how rising transaction costs could impact your long-term returns.
Novelty Wealth Team/1 February 2026
investmentsHedge Funds vs Mutual Funds: Risky Choice or Smart Move?
30 January 2026By Novelty Wealth TeamHedge FundsMutual FundsInvestment Strategies
A hedge fund is a private pool for HNIs/institutions using tools like short selling, leverage, and derivatives. A mutual fund is a regulated public pool that buys diversified stocks or bonds for retail investors. People confuse them because both pool money, but they differ in access, disclosure, liquidity, and fees.
Novelty Wealth Team/30 January 2026
mutual-fundsWhat Is the Sortino Ratio and How Can It Help You Pick Better Funds?
30 January 2026By Novelty Wealth TeamSortino RatioSortino Ratio in Mutual FundsSharpe vs Sortino RatioMutual Fund Risk Analysis
The Sortino Ratio is a risk-adjusted metric that focuses on downside risk rather than overall volatility. This guide explains what it is, how it works, and how investors can use it to evaluate mutual funds more effectively.
Novelty Wealth Team/30 January 2026
bondsAre Sovereign Gold Bonds Worth Buying in 2026?
30 January 2026By Novelty Wealth Team
Sovereign Gold Bonds offer a paper-based way to invest in gold while earning interest and avoiding storage concerns. This blog explains SGB investments, returns, benefits, risks, and comparisons with physical gold and Gold ETFs for long-term portfolio planning.
Novelty Wealth Team/30 January 2026
personal-financeRetirement Planning in India: What Actually Works
30 January 2026By Novelty Wealth Teamretirement planningprivate retirement schemeprocess of retirement planningEarly Retirement Planning
Retirement planning in India goes beyond just EPF contributions. This comprehensive guide covers what is retirement planning, debunks common myths about government schemes, explains the step-by-step process of building a retirement corpus, compares early vs late planning, reviews major retirement options including NPS and PPF, discusses voluntary retirement readiness, and shows how platforms like Novelty Wealth make retirement planning structured and realistic for Indian families.
Novelty Wealth Team/30 January 2026
mutual-fundsWhat Are ELSS Funds and How Do They Work?
30 January 2026By Novelty Wealth TeamELSS Tax Saver FundTax Saving Mutual FundsELSS Tax Benefits
ELSS funds are equity-based mutual funds that save tax under Section 80C while offering long-term growth. This guide covers how they work, lock-in period, expected returns, taxation, and comparisons with other tax-saving options like PPF and NSC.
Novelty Wealth Team/30 January 2026
taxHow Different Investments Are Taxed in India
30 January 2026By Novelty Wealth TeamInvestment TaxationMutual Fund TaxationCapital Gains Tax
Understand how different investments are taxed in India, including mutual funds, SIPs, debt funds, and ETFs. Learn how holding periods, capital gains, and redemptions impact your post-tax returns and why tracking matters for investors.
Novelty Wealth Team/30 January 2026
mutual-fundsHow Compounding Multiplies Returns in Mutual Fund Investments
29 January 2026By Novelty Wealth TeamCompounding in mutual fundsSIP compoundingMutual fund compoundingmutual funds
If you aim to build long-term wealth through systematic investing, the secret is none other than compounding in mutual funds. In this comprehensive guide, learn how compound interest works in mutual funds, which fund type maximises returns, and the power of SIP compounding versus lump sum investments. Learn the importance of starting early rather than investing large amounts and the common mistakes that break compounding.
Novelty Wealth Team/29 January 2026
mutual-fundsWhat Are Aggressive Hybrid Funds and Should You Invest in Them?
29 January 2026By Novelty Wealth TeamAggressive Hybrid FundsAggressive Hybrid Mutual FundHybrid Aggressive Fund
Aggressive hybrid funds offer a mix of equity growth and debt stability, ideal for investors seeking higher returns with moderate risk. Explore how they work and if they fit your goals.
Novelty Wealth Team/29 January 2026
personal-financeHow to Maximise Tax Savings Using LTA Exemption
28 January 2026By Novelty Wealth TeamLTA ExemptionLTA Tax ExemptionSalary Tax ExemptionsTax Planning
LTA (Leave Travel Allowance) helps salaried employees save tax on travel within India. This guide explains rules, claim limits, eligible expenses, and tips for planning your LTA effectively.
Novelty Wealth Team/28 January 2026
bankingUnderstanding Fixed Deposit TDS in India’s Tax System
28 January 2026By Novelty Wealth TeamTDS on Fixed DepositsTax Rules in IndiaTax Deducted at Source
TDS is the tax that the bank deducts before crediting your income. On fixed deposits, it is applied to FD interest once it crosses the yearly threshold, reducing what you receive but counting toward your final tax. Indians choose FDs for predictable returns, capital safety, and steady interest income for goals.
Novelty Wealth Team/28 January 2026
taxFinancial Calendar 2026 India: Key Income Tax Due Dates & ITR Filing Deadlines
26 January 2026By Novelty Wealth TeamIncome TaxITR FilingTax PlanningPersonal Finance Financial Year 2026
Stay on top of India’s 2026 financial deadlines with this comprehensive tax calendar. Track ITR filing dates, advance tax instalments, TDS deposits, and investment proof submissions to avoid penalties and optimise tax planning throughout the year.
Novelty Wealth Team/26 January 2026
personal-financeDoes the 50/30/20 Budget Rule Really Work?
23 January 2026By Novelty Wealth Team50/30/20 budget rulebudgeting rulepersonal financemoney management
The 50/30/20 rule is one of the most searched budgeting frameworks because it feels simple enough to start today. But real life has rent spikes, EMIs, lifestyle creep, and goals that do not fit neat boxes. Find out how the 50/30/20 budget rule works, where people struggle with it, and how to adjust it without losing discipline. In such cases, Novelty Wealth helps you track what you actually spend, save, and invest, so a budget rule stays practical.
Novelty Wealth Team/23 January 2026
family-financesStruggling to Control Family Expenses? How to Smartly Plan Your Finances
23 January 2026By Novelty Wealth TeamFamily BudgetingPersonal FinanceBudget Planner
Struggling to manage family expenses? Learn how to create a simple monthly family budget, track spending, avoid common mistakes, and use smart tools to gain better control and build long-term financial security.
Novelty Wealth Team/23 January 2026
personal-financeHow Subscriptions Are Quietly Draining Your Wealth
22 January 2026By Novelty Wealth Teamsubscription expensesrecurring costshidden wealth leaksbudget auditsave money monthly
Small subscriptions feel harmless—but they compound into massive wealth leaks. This blog shows how OTT, apps, and forgotten tools quietly drain your money, the ₹54-lakh opportunity cost, and a simple framework to audit, cancel, and redirect savings into SIPs.
Novelty Wealth Team/22 January 2026
investmentsShould Your Wealth Go Global in 2026?
22 January 2026By Novelty Wealth Teaminternational investing Indiaglobal diversificationinvest in US stocks from IndiaS&P 500 Indiaglobal ETFs India
International investing is easier for Indian investors—but outcomes depend on structure. This blog explains global diversification, premiums, fees, estate tax risks, rupee depreciation, and the smartest routes for building international exposure in 2026.
Novelty Wealth Team/22 January 2026
mutual-fundsThinking of Investing in Gilt Funds? Here’s What Most Investors Miss
22 January 2026By Novelty Wealth TeamGilt FundsGilt Fund PerformanceDebt Mutual FundsGilt fund returns
Gilt funds invest in government securities, so credit risk stays low, but returns can still swing. Gilt fund returns rise and fall mainly with interest rates because bond prices move opposite to yields. A longer holding period helps you judge gilt fund performance more fairly. Novelty Wealth helps track gilt mutual funds in one view and compare periods.
Novelty Wealth Team/22 January 2026
stocksCall vs Put Options: How They Affect Your Portfolio
22 January 2026By Novelty Wealth TeamCall vs Put OptionOptions Trading
Options are contracts that derive value from an underlying share or index. This guide for beginners breaks down call option vs put option, so you know when a call vs put option tends to align with bullish or protective goals. The aim is to comprehend key terms like strike price, premium, expiry, and moneyness through simple examples to interpret payoff behavior before action.
Novelty Wealth Team/22 January 2026
investmentsInvesting in Silver and Copper: Understanding the Market Dynamics
21 January 2026By Novelty Wealth TeamInvesting in Silver and Coppersilver ETF Indiacopper investment Indiacommodities investing
Silver and copper are at record highs, driven by electrification, AI infrastructure, and five years of supply shortages. This blog explains the fundamentals, speculative risks, China’s export controls, and what Indian investors should know before investing.
Novelty Wealth Team/21 January 2026
personal-financeFIRE Movement: Financial Independence Retire Early in India
21 January 2026By Novelty Wealth TeamFIRE movement financial independence retire early early retirement India FIRE investing early retirement planning India
How Indians use the FIRE movement to retire early — financial independence strategies, FIRE number calculation, and planning tools from Novelty Wealth.
Novelty Wealth Team/21 January 2026
mutual-fundsAre Your Mutual Funds Doing Well? A Complete MF Performance Analysis Guide
16 January 2026By Novelty Wealth Teammutual fund performance sharpe ratio mutual fund mutual fund rolling returns mf analysis mutual fund performance tracker
Learn how to analyse mutual fund performance using Sharpe ratio, rolling returns, benchmark comparison, alpha, and beta — a complete MF analysis guide.
Novelty Wealth Team/16 January 2026
stocksFundamental Analysis of Stocks: A Complete Guide for Long-Term Investors
15 January 2026By Novelty Wealth Teamfundamental analysis fundamental analysis of stocks share market fundamental analysis financial ratios analysis fundamental analysis of Indian stocks
A complete guide to fundamental analysis of stocks — financial ratios, types, and how to analyse Indian stocks using Novelty Wealth.
Novelty Wealth Team/15 January 2026
portfolio-managementAI Portfolio Management: Track, Optimise & Fix Your Portfolio
14 January 2026By Novelty Wealth Teamportfolio management AI portfolio portfolio tracker india mutual fund portfolio tracker best portfolio tracker app india
Discover how AI-powered portfolio management helps you track returns, fix overlap, and optimise your mutual funds. A complete guide for Indian investors.
Novelty Wealth Team/14 January 2026
mutual-fundsSIP vs Lumpsum: Which Investment Strategy Works Best for You?
8 January 2026By Novelty Wealth Team SIP vs LumpsumMutual Fund InvestingFinancial PlanningInvestment Strategy
Confused between SIP and lump sum investing? Learn the key differences, return potential, and behavioural factors to help salaried professionals choose the right mutual fund investment strategy based on goals, cash flow, and risk comfort.
Novelty Wealth Team /8 January 2026
personal-financeChoosing the Right Financial Solutions for Your Goals
7 January 2026By Novelty Wealth TeamFinancial goal managementSetting Financial GoalsPersonal financial planningPersonal finance management
Struggling to grow your money or feel uncertain about your finances? The right financial solutions start with clear financial goals. Learn how goal-based planning helps you avoid costly mistakes, make smarter investment choices, and build long-term financial security with structured decision-making.
Novelty Wealth Team/7 January 2026
mutual-fundsMutual Fund Portfolio Analysis: How to Improve Your Investment Performance
6 January 2026By Novelty Wealth TeamMutual Fundmutual fund analysismutual fund portfolio management
Investing regularly but unsure why your goals still feel distant? This guide shows how to analyse your mutual fund portfolio, spot hidden risks and overlap, and make smarter adjustments for more reliable long-term returns.
Novelty Wealth Team/6 January 2026
personal-financeTrying to Increase Your Savings? Smarter Investing Makes It Easier
2 January 2026By Novelty Wealth Teamintelligent investingstrategic investingintelligent wealth managementSmart Investing Strategies
Explore intelligent investing with a strategic approach to grow savings faster. Learn mindful investing, high return investing ideas, safest investment options, and how AI-driven wealth management helps beginners invest smarter.
Novelty Wealth Team/2 January 2026
personal-financeDecode Your Money Personality for 2026
31 December 2025By Novelty Wealth TeamMoney Personality
Before you set new financial goals for 2026, Understanding your money personality is the first step toward smarter financial decisions in 2026. Whether you're a Procrastinator, Risk Cowboy, Spreadsheet Monk, Overthinker, or Silent Saver, recognizing your habits can help you make clearer, more intentional choices. Novelty Wealth offers personalized insights and guidance to bring clarity to your financial journey.
Novelty Wealth Team/31 December 2025
personal-financeStop Losing Track of Your Salary with an Expense Tracker
31 December 2025By Novelty Wealth Teampersonal finance trackerPersonal FinanceMoney ManagementSalary Planningpersonal financial planning
Many salaried professionals earn well yet struggle with a mid-month money crunch - not because they overspend, but because they lack visibility. This blog explains why tracking daily expenses is essential, how small unnoticed transactions drain salaries, and how a smart expense tracker brings clarity, control, and peace of mind to everyday finances.
Novelty Wealth Team/31 December 2025
personal-financeRetirement Strategy: How to Invest Your 25x+ LCM
23 December 2025By Novelty Wealth TeamRetirement PlanningRetirement Strategyretirement planning mistakes
A comprehensive guide to the 25x Lifestyle Comfort Multiple (LCM) retirement strategy. Learn how to allocate 10x in debt and 15x in equity, implement smart withdrawal rules, and avoid common retirement planning mistakes for financial security.
Novelty Wealth Team/23 December 2025
mutual-fundsSWP in Mutual Funds: A Tax-efficient Retirement Income Strategy
23 December 2025By Novelty Wealth TeamSWP in mutual fundssystematic withdrawal plan SWP mutual fund SWP tax benefits SWP vs FD
Generate predictable retirement income using Systematic Withdrawal Plans in debt mutual funds, paying taxes only on gains while maintaining flexibility, capital preservation, and protection against inflation over time.
Novelty Wealth Team/23 December 2025
mutual-fundsMFCentral (MF Central): Best Mutual Funds to Track & How to Use It
23 December 2025By Novelty Wealth Teammf central mfcentral best mutual funds mutual fund tracker India Nippon India mutual fund
Track all your mutual funds in one place with MF Central. Free, SEBI-authorised, covers Nippon India and 40+ AMCs. A complete guide for Indian investors.
Novelty Wealth Team/23 December 2025
personal-financeHow To Turn AI Into Your Everyday Money-Saving Partner
18 December 2025By PratheekAI Personal Finance IndiaNovelty Wealth ReviewsWealth Management for ProfessionalsAutomated Expense Tracker IndiaIndian Tax Optimization AI
Unlock the power of AI to boost your personal finance game. Learn how to use AI-driven tools to track spending, optimize savings, and make smarter investment choices. From budgeting to financial planning, discover how AI can be your 24/7 money-saving partner, helping you manage and grow your wealth effortlessly.
Pratheek/18 December 2025
investmentsComplete Guide to SIP Investment: Building Wealth Systematically
16 December 2025By Novelty WealthMutual FundsinvestmentSIP
Systematic Investment Plans (SIP) offer a disciplined way to grow wealth over time. This guide walks you through the process of SIP investing, highlighting its benefits, how to choose the right mutual funds, and tips for maximizing returns. Start building your wealth consistently and strategically with SIP to achieve your long-term financial goals.
Novelty Wealth/16 December 2025