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Registered Name: FW Fintech Private Limited | SEBI RIA Registration No: INA000019415 | BASL Membership No: BASL2191 | CIN: U66190KA2024PTC188214 | Type of Registration: Non-Individual | Validity of registration: July 22, 2024 - Perpetual | Address: P NO 224 3RD FL RANKA, JUNCTION 80/3 VIJINAPUR, Krishnarajapuram R S, Bangalore North, Bangalore- 560016, Karnataka | Principal Officer: Naveen Changoiwala at compliance@noveltywealth.in | SEBI Local corresponding address: 2nd Floor, Jeevan Mangal Building, No.4, Residency Road, Bengaluru - 560025, Karnataka

Disclosure: Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investor.

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Blogs

Highest FD Rates in India Right Now (April 2026): And Why Chasing Them Could Be a Mistakeinvestments

Highest 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
Nifty 50 vs Nifty 500: What's Actually Different, and Does It Matter?investments

Nifty 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
Why Is Gold Price Falling in India Today? Here Is What You Need to Knowinvestments

Why 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
Turn ₹15 Lakh Into ₹45 Lakh Income. Zero Tax. Government-Backed. The PPF Calculation Nobody Shows You.investments

Turn ₹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
Investment Tracking: The Ultimate 2026 Guide for Indian Investorsinvestments

Investment Tracking: The Ultimate 2026 Guide for Indian Investors

17 March 2026By Novelty Wealth TeamInvestment 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.

Novelty Wealth Team/17 March 2026
Goal-Based Investing in India: How to Plan Investments for Life Goals investments

Goal-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
Gold ETF or Gold Mutual Fund: What Should You Choose in 2026?investments

Gold 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
Why are Investors Moving from Physical Gold to Paper Gold?investments

Why 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
What Is XIRR in Mutual Funds? Learn How It Differs from CAGRinvestments

What 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
ULIP vs Mutual Fund: Difference, Returns & What to Chooseinvestments

ULIP 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
Hedge Funds vs Mutual Funds: Risky Choice or Smart Move?investments

Hedge 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
Should Your Wealth Go Global in 2026?investments

Should 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
Get the Understanding of the Market Dynamicsinvestments

Get the Understanding of the Market Dynamics

21 January 2026By Novelty Wealth Team

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
Complete Guide to SIP Investment: Building Wealth Systematicallyinvestments

Complete 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