# Novelty Wealth

> AI-powered personal finance app. Manage investments, expenses & family finances with Nova AI.

## About
- Novelty Wealth
- Contact: support@noveltywealth.in

## Main Pages
- [Home](/): Landing page with app features and downloads
- [Blog](/blog): Financial education articles
- [FAQ](/faq): Frequently asked questions
- [Contact](/contact): Get in touch

## Financial Tools
- [SIP Calculator](/sip-calculator): Calculate SIP returns
- [XIRR Calculator](/xirr-calculator): Calculate IRR for investments
- [Portfolio Overlap](/portfolio-overlap): Analyze portfolio holdings

## Blog Posts
- [How We Built the Portfolio Overlap Calculator: The Formula, the Data, and Why Our Number Differs From Other Tools](/blog/portfolio/guide-on-mf-portfolio-overlap-calculator-methodology)
- [Financial Goals: A Practical Guide for Indian Families](/blog/personal-finance/financial-goals-a-practical-guide-for-indian-families)
- [Lifestyle Inflation: How to Enjoy Income Growth Without Derailing Your Financial Goals](/blog/personal-finance/guide-on-lifestyle-inflation)
- [Net Worth Calculation: A Beginner-Friendly Guide for Indian Families](/blog/personal-finance/net-worth-calculation-a-beginner-friendly-guide-for-indian-families)
- [12 Mutual Fund Myths Every Indian Investor Should Stop Believing](/blog/mutual-funds/12-mutual-fund-myths-every-indian-investor-should-stop-believing)
- [15 Common Mutual Fund Mistakes (And How to Avoid Them)](/blog/mutual-funds/15-common-mutual-fund-mistakes-and-how-to-avoid-them)
- [Exit Load in Mutual Funds: Meaning, Calculation & Practical Examples](/blog/mutual-funds/exit-load-in-mutual-funds-meaning-calculation-practical-examples)
- [Rolling Returns vs CAGR in Mutual Funds: A Practical Guide for Indian Investors](/blog/mutual-funds/rolling-returns-vs-cagr-in-mutual-funds-a-practical-guide-for-indian-investors)
- [NAV in Mutual Funds: Meaning, Calculation, and How Investors Should Use It](/blog/mutual-funds/nav-in-mutual-funds-meaning-calculation-and-how-investors-should-use-it)
- [Systematic Withdrawal Plan (SWP) in Mutual Funds: A Complete Guide for Indian Investors in 2026](/blog/mutual-funds/systematic-withdrawal-plan-in-mutual-funds)
- [Systematic Transfer Plan (STP) in Mutual Funds: Complete Guide for Indian Investors](/blog/mutual-funds/systematic-transfer-plan-in-mutual-funds)
- [Index Funds in India: A Beginner-Friendly Guide](/blog/mutual-funds/index-funds-in-india)
- [India Just Doubled the Gold Import Duty to 15%. Here's Why It Happened and What It Means.](/blog/news/why-india-raised-gold-import-duty)
- [Electronic Gold Receipt (EGR): Should You Buy? How Does It Compare to Other Gold Options?](/blog/investments/guide-on-electronic-gold-receipt)
- [Hybrid Mutual Funds Explained: Types, Benefits, and Risks](/blog/mutual-funds/hybrid-mutual-funds-explained)
- [How to Build a Mutual Fund Portfolio: A Complete Guide](/blog/mutual-funds/guide-on-building-mutual-fund-portfolio)
- [Mutual Fund Portfolio Rebalancing: When and How to Do It](/blog/mutual-funds/complete-guide-on-mutual-fund-portfolio-rebalancing)
- [Large Cap vs Mid Cap vs Small Cap Funds: Key Differences Explained](/blog/mutual-funds/guide-on-types-of-mutual-funds)
- [Debt Funds vs Fixed Deposits: Which Is Better for You](/blog/mutual-funds/complete-guide-on-debt-funds-vs-fixed-deposits)
- [RBI MPC April 2026: Repo Rate Unchanged, But Middle East Crisis Drives Outlook](/blog/news/rbi-repo-rate-april-2026-mpc-decision)
- [Highest FD Rates in India Right Now (April 2026): And Why Chasing Them Could Be a Mistake](/blog/investments/highest-fd-rates-india-april-2026)
- [Expense Ratio in Mutual Funds: Meaning, Impact, and How to Choose](/blog/mutual-funds/expense-ratio-in-mutual-funds)
- [The New Income Tax Act 2025: What Changed and What It Means for You](/blog/tax/the-new-income-tax-act-2025)
- [Emergency Fund in India: Why You Need One and Where to Park It in 2026](/blog/personal-finance/emergency-fund-india-where-to-park-2026)
- [Multi-Asset Allocation Funds in 2026: Do They Make Sense for Indian Investors Right Now?](/blog/mutual-funds/multi-asset-allocation-funds-india)
- [Direct vs Regular Mutual Funds: Which One Should You Choose ](/blog/mutual-funds/direct-vs-regular-mutual-funds)
- [Indian Rupee Falling Against the Dollar: How Did We Get to 95 and What It Means for You](/blog/news/indian-rupee-falling-against-dollar-2026)
- [What Is NAV in Mutual Funds: Meaning, Calculation, and Importance](/blog/mutual-funds/what-is-nav-in-mutual-funds)
- [How Mutual Funds Work: A Simple Guide for Beginners](/blog/mutual-funds/how-mutual-funds-work-a-simple-guide-for-beginners)
- [How to Choose the Right Mutual Funds in India for Long-Term Investing](/blog/mutual-funds/mutual-funds-for-long-term-investing)
- [How to Choose the Right Mutual Funds in India for Beginners](/blog/mutual-funds/mutual-funds-in-india-for-beginners)
- [Best SIP Mutual Funds in India: How to Choose the Right Funds](/blog/mutual-funds/best-sip-mutual-funds-in-india)
- [How to Choose the Right Mutual Funds in India](/blog/mutual-funds/how-to-choose-the-right-mutual-funds-in-india)
- [Can you withdraw 100% of your EPF? New EPF Rules explained](/blog/personal-finance/new-epf-rules-explained)
- [Nifty 50 vs Nifty 500: What's Actually Different, and Does It Matter?](/blog/investments/nifty50-vs-nifty500-difference)
- [AI wealthtech startup Novelty Wealth raises $1.4M led by IndiaQuotient](/blog/news/novelty-wealth-raises-seed-funding)
- [Why Is Gold Price Falling in India Today? Here Is What You Need to Know](/blog/investments/why-is-gold-price-falling-in-india)
- [Turn ₹15 Lakh Into ₹45 Lakh Income. Zero Tax. Government-Backed. The PPF Calculation Nobody Shows You.](/blog/investments/ppf-tax-free-income-strategy-15-lakh-to-45-lakh)
- [Family Budgeting Fundamentals: How to Create a Monthly Budget That Actually Works](/blog/family-finances/family-monthly-budget-that-actually-works)
- [The Ultimate Guide to Investment Tracking](/blog/investments/investment-tracking-guide-for-indian-investors)
- [Goal-Based Investing in India: How to Plan Investments for Life Goals ](/blog/investments/goal-based-investing-in-india-comprehensive-guide)
- [Understanding India Retail Inflation: Why It Rose in February and What Happens Next](/blog/personal-finance/understanding-india-retail-inflation)
- [Tax Loss Harvesting India: A Guide for FY 2025–26](/blog/tax/guide-on-tax-loss-harvesting-india)
- [Capital Gains Tax on Property in India (FY 2025–26): Complete Guide](/blog/tax/complete-guide-for-capital-gains-tax-on-property-in-india)
- [Tax on Mutual Funds in India: STCG, LTCG, and Debt Fund Taxation Explained](/blog/tax/tax-on-mutual-funds-in-india)
- [What Is an Equity Savings Fund? Meaning, Taxation & How It Works](/blog/mutual-funds/what-is-an-equity-savings-fund)
- [Why Are Nifty and Sensex Falling? Here's What the Middle East War Means for Your Money](/blog/stocks/why-are-nifty-and-sensex-falling)
- [Capital Gains Tax: How Different Investments Are Taxed in India (FY 2025-26)](/blog/tax/how-different-capital-gains-are-taxed-in-india)
- [Capital Gains Tax on Shares in India (FY 2025-26): STCG vs LTCG Made Easy](/blog/tax/capital-gains-tax-on-shares-in-india)
- [Capital Gains Tax in India (FY 2025–26, AY 2026–27)](/blog/tax/complete-guide-on-capital-gains-tax-india)
- [Why Every Modern Household Needs a Family Finance CFO](/blog/family-finances/what-is-a-family-cfo-roles-responsibilities)
- [What is Liquidity Funds? Meaning, How They Work, Benefits & Taxation](/blog/tax/what-is-liquidity-funds)
- [Set Off and Carry Forward of Losses: How to Use Your Losses to Pay Less Tax in India](/blog/tax/set-off-carry-forward-losses-india)
- [Difference Between SIP and Mutual Fund Explained](/blog/mutual-funds/sip-vs-mutual-fund-difference)
- [Thinking of Investing in NFO Mutual Funds? Read This Before You Decide](/blog/mutual-funds/guide-to-investing-in-nfo-mutual-fund)
- [New Tax Regime vs Old Tax Regime: Which One Saves You More in 2026](/blog/tax/new-tax-regime-vs-old-tax-regime)
- [What is a Balanced Advantage Fund and How Does it Work?](/blog/mutual-funds/balanced-advantage-fund-or-dynamic-asset-allocation-funds)
- [Open-Ended or Closed-Ended Funds: What Fits Your Goals?](/blog/mutual-funds/open-ended-and-closed-ended-fund-differences)
- [Is Your Emergency Fund Bigger Than It Needs to Be?](/blog/personal-finance/emergency-fund-planning)
- [Gold ETF or Gold Mutual Fund: What Should You Choose in 2026?](/blog/investments/gold-etf-vs-gold-mutual-fund)
- [Why are Investors Moving from Physical Gold to Paper Gold?](/blog/investments/physical-gold-vs-paper-gold)
- [What Is Tax Harvesting and How Can It Save You Money?](/blog/tax/what-is-tax-harvesting-and-how-it-saves-money)
- [Joint Tax Filing for Married Couples](/blog/family-finances/joint-tax-filing-for-married-couples)
- [What Is XIRR in Mutual Funds? Learn How It Differs from CAGR](/blog/investments/xirr-vs-cagr)
- [ULIP vs Mutual Fund: Difference, Returns & What to Choose](/blog/investments/ulip-vs-mutual-fund)
- [Landmark Budget Moves That Shaped India's Taxes, Businesses & Economy](/blog/union-budget/landmark-budget-moves-that-shaped-indias-taxes-businesses-and-economy)
- [Fiscal Deficit, Revenue Deficit & Primary Deficit: What They Mean for Investors](/blog/union-budget/fiscal-revenue-primary-deficit-meaning)
- [Union Budget STT Hike 2026: Impact for Traders and Investors in India](/blog/union-budget/stt-hike-2026-impact-for-traders-and-investors-in-india)
- [Hedge Funds vs Mutual Funds: Risky Choice or Smart Move?](/blog/investments/hedge-funds-vs-mutual-funds)
- [What Is the Sortino Ratio and How Can It Help You Pick Better Funds?](/blog/mutual-funds/sortino-ratio)
- [Are Sovereign Gold Bonds Worth Buying in 2026?](/blog/bonds/sgb-gold-bond-investment)
- [Retirement Planning in India: What Actually Works](/blog/personal-finance/retirement-planning-india)
- [What Are ELSS Funds and How Do They Work?](/blog/mutual-funds/elss-tax-saver-fund)
- [How Different Investments Are Taxed in India](/blog/tax/how-different-investments-are-taxed-in-india)
- [How Compounding Multiplies Returns in Mutual Fund Investments](/blog/mutual-funds/compounding-in-mutual-fund-investments)
- [What Are Aggressive Hybrid Funds and Should You Invest in Them?](/blog/mutual-funds/aggressive-hybrid-funds)
- [How to Maximise Tax Savings Using LTA Exemption](/blog/personal-finance/lta-tax-exemption)
- [Understanding Fixed Deposit TDS in India’s Tax System](/blog/banking/tds-deduction-on-fixed-deposit)
- [Financial Calendar 2026 India: Key Income Tax Due Dates & ITR Filing Deadlines](/blog/tax/financial-calendar-2026-india-income-tax-due-dates)
- [Does the 50/30/20 Budget Rule Really Work?](/blog/personal-finance/50-30-20-budget-rule)
- [Struggling to Control Family Expenses? How to Smartly Plan Your Finances](/blog/family-finances/family-budgeting-and-expense-planning)
- [How Subscriptions Are Quietly Draining Your Wealth](/blog/personal-finance/the-silent-budget-busters-how-subscriptions-are-quietly-draining-your-wealth)
- [Should Your Wealth Go Global in 2026?](/blog/investments/should-your-wealth-go-global-in-2026)
- [Thinking of Investing in Gilt Funds? Here’s What Most Investors Miss](/blog/mutual-funds/should-you-invest-in-gilt-funds)
- [Call vs Put Options: How They Affect Your Portfolio](/blog/stocks/call-option-vs-put-option-share-market)
- [Investing in Silver and Copper: Understanding the Market Dynamics](/blog/investments/silver-vs-copper-investment)
- [FIRE Movement: Financial Independence Retire Early in India](/blog/personal-finance/financial-independence-retire-early-fire)
- [Are Your Mutual Funds Doing Well? A Complete MF Performance Analysis Guide](/blog/mutual-funds/how-to-analyse-mutual-fund-performance)
- [Fundamental Analysis of Stocks: A Complete Guide for Long-Term Investors](/blog/stocks/stock-fundamental-analysis-long-term-investors)
- [AI Portfolio Management: Track, Optimise & Fix Your Portfolio](/blog/portfolio-management/ai-portfolio-management-guide)
- [SIP vs Lumpsum: Which Investment Strategy Works Best for You?](/blog/mutual-funds/sip-vs-lumpsum-which-investment-is-better)
- [Choosing the Right Financial Solutions for Your Goals](/blog/personal-finance/choosing-right-financial-solutions-for-goals)
- [Mutual Fund Portfolio Analysis: How to Improve Your Investment Performance](/blog/mutual-funds/mutual-fund-performance-analysis-and-portfolio-management)
- [Trying to Increase Your Savings? Smarter Investing Makes It Easier](/blog/personal-finance/strategic-investing-to-grow-your-savings)
- [Decode Your Money Personality for 2026](/blog/personal-finance/decode-your-money-personality-for-2026)
- [Stop Losing Track of Your Salary with an Expense Tracker](/blog/personal-finance/stop-losing-track-of-salary-with-expense-tracker)
- [Retirement Strategy: How to Invest Your 25x+ LCM](/blog/personal-finance/retirement-strategy-how-to-invest-your-25x-lcm)
- [SWP in Mutual Funds: A Tax-efficient Retirement Income Strategy](/blog/mutual-funds/tax-efficient-debt-allocation-through-mutual-funds)
- [MFCentral (MF Central): Best Mutual Funds to Track & How to Use It](/blog/mutual-funds/mutual-fund-central-mf-central-the-one-stop-platform-for-mutual-fund-investors)
- [How To Turn AI Into Your Everyday Money-Saving Partner](/blog/personal-finance/ai-money-saving-tips)
- [Complete Guide to SIP Investment: Building Wealth Systematically](/blog/investments/complete-guide-to-sip-investment)

## Legal
- [Privacy Policy](/privacy-policy)
- [Terms & Conditions](/terms-and-conditions)
- [Refund Policy](/refund-and-cancellations)

## Landing Pages
- [Small Cap Mutual Funds](/mutual-funds/small-cap)
- [Flexi Cap Mutual Funds](/mutual-funds/flexi-cap-funds)
- [Track Every Investment with Novelty Wealth’s Portfolio Tracker](/portfolio-management)
- [Track Your Mutual Funds](/mutual-funds)
- [Types of Debentures in India](/bonds/debentures)
- [NW Pro](/nw-pro)
- [A Modern Platform for Managing Wealth](/about-us)
- [Liquid Funds in India](/mutual-funds/liquid-funds)
- [Best Money Management Account](/banking)
- [Track and Analyse Your Investments](/bonds)
- [Analysis & Track Your Bonds](/bonds/types-of-bonds-in-india)
- [Analysis & Track Your Stock Market Portfolio](/stocks)
- [Large Cap Mutual Funds](/mutual-funds/large-cap)
- [Mid Cap Mutual Funds](/mutual-funds/mid-cap)