Merlyn Susana
Novelty Wealth
Articles
14 articles by Merlyn Susana
newsIndia Just Doubled the Gold Import Duty to 15%. Here's Why It Happened and What It Means.
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.
investmentsElectronic Gold Receipt (EGR): Should You Buy? How Does It Compare to Other Gold Options?
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.
newsRBI MPC April 2026: Repo Rate Unchanged, But Middle East Crisis Drives Outlook
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.
investmentsHighest FD Rates in India Right Now (April 2026): And Why Chasing Them Could Be a Mistake
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.
taxThe New Income Tax Act 2025: What Changed and What It Means for You
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.
personal-financeEmergency Fund in India: Why You Need One and Where to Park It in 2026
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.
mutual-fundsMulti-Asset Allocation Funds in 2026: Do They Make Sense for Indian Investors Right Now?
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.
newsIndian Rupee Falling Against the Dollar: How Did We Get to 95 and What It Means for You
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.
investmentsNifty 50 vs Nifty 500: What's Actually Different, and Does It Matter?
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.
investmentsWhy Is Gold Price Falling in India Today? Here Is What You Need to Know
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.
investmentsTurn ₹15 Lakh Into ₹45 Lakh Income. Zero Tax. Government-Backed. The PPF Calculation Nobody Shows You.
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.
personal-financeUnderstanding India Retail Inflation: Why It Rose in February and What Happens Next
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.
mutual-fundsWhat Is an Equity Savings Fund? Meaning, Taxation & How It Works
A beginner-friendly guide to Equity Savings Funds covering meaning, portfolio structure, taxation, risk level, and who should invest.
stocksWhy Are Nifty and Sensex Falling? Here's What the Middle East War Means for Your Money
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.