Fund Genie Blog — Investing, SIP, Tax & Personal Finance Insights
Expert guides for Indian investors on SIP strategies, mutual fund selection, tax planning (old vs new regime), EMI math, retirement targets and salary-wise budgets. New articles every week, written by the Fund Genie editorial team and reviewed by SEBI-aware financial planners.
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FeaturedBest Nifty 50 Index Funds in India 2026: A Verified Shortlist
Compare eight officially verified Nifty 50 index mutual funds in India. Learn how tracking difference, tracking error, expenses and goal fit matter more than recent rankings.
How to Start SIP Investment in India: Step-by-Step Guide
Learn how to start a SIP in India step by step—from goal planning and KYC to choosing a fund, registering a mandate and reviewing your investment.
Best Mid Cap Mutual Funds in India 2026: A Verified Research Shortlist
A risk-first 2026 guide to researching mid-cap mutual funds in India, with an established-fund shortlist, selection framework, portfolio checks and common mistakes.
Best Small Cap Mutual Funds in India 2026: A Risk-First Shortlist
A transparent 2026 guide to evaluating small-cap mutual funds in India, with a research shortlist, selection framework, liquidity checks and common mistakes to avoid.
What Is SIP? Meaning, Full Form and How It Works in India
SIP means Systematic Investment Plan. Learn how SIPs work, how returns are calculated, their benefits and risks, and how to start investing in India.
Step-Up SIP: How Increasing Your SIP 10% Every Year Builds Twice the Wealth
A step-up SIP raises your monthly investment each year as your salary grows. See how a 10% yearly top-up can turn ₹10,000 a month into nearly ₹2 crore in 20 years.
How Much SIP Is Needed for ₹10 Lakh? (India 2026)
Find the exact monthly SIP needed for ₹10 lakh in India — by time horizon (3, 5, 7, 10 yrs) and return rate. Formulas, tables and free calculator inside.
₹25,000 SIP for 20 Years: Wealth Projection & Strategy
₹25,000 monthly SIP for 20 years in India: real corpus math at 10-14% CAGR, step-up strategy, tax and inflation-adjusted returns for 2026 investors.
₹2,000 SIP for 20 Years: Can It Make You a Crorepati?
Can a ₹2,000 monthly SIP for 20 years make you a crorepati? See exact SIP returns at 8%, 10%, 12% and 15% CAGR, step-up scenarios and the shortest path to ₹1 crore in India 2026.
₹1,000 SIP for 20 Years: Returns, Growth & Future Value
How much does a ₹1,000 monthly SIP grow to in 20 years? See exact returns at 8%, 10%, 12% and 15% CAGR, step-up scenarios and comparison with FD and PPF for Indian investors in 2026.
Rs 500 SIP for 20 Years: How Much Wealth Can You Build?
Can a Rs 500 monthly SIP make you wealthy? See the exact 20-year return math at 10%, 12% and 15% CAGR, with step-up scenarios for Indian investors in 2026.
Rs 2 Lakh Salary India 2026: Save Tax & Build Wealth
Earning Rs 2 lakh a month in India? Here is the exact tax regime pick, SIP allocation and step-by-step plan to legally save tax and build a Rs 10 crore corpus.
Salary vs Wealth: Why ₹1 Lakh Salary Isn't Riches
Why a ₹1 lakh Indian salary doesn't guarantee wealth — lifestyle inflation, tax, EMIs and the SIP system that turns income into real net worth by 60.
₹3 Lakh Salary India: Optimal Investment Allocation 2026
Optimal investment allocation for a ₹3 lakh Indian salary in 2026 — post-tax cashflow, SIP amounts, PPF, NPS and the plan to hit ₹15 crore by 60.
Ideal Savings Rate by Age in India 2026: 25, 30, 40, 50
Age-wise savings rate roadmap for Indian earners in 2026 — with equity-debt splits, retirement corpus math and step-by-step SIP action plans on FundGenie.
How Much to Save Every Month Based on Your Salary (India 2026)
Exact monthly savings targets for every Indian salary bracket in 2026 — with SIP, tax and EMI-adjusted formulas, age-wise overlays and FundGenie calculator links.
₹1.5 Lakh Monthly Salary: Tax, SIP & Wealth Creation Plan
A ₹1.5 lakh monthly salary in India can build a ₹5 crore corpus by 50. Detailed tax regime comparison, SIP allocation, EMI limits and step-by-step 2026 wealth plan.
₹90,000 Salary in India: Best Investment Strategy for 2026
Earning ₹90,000/month in India in 2026? Here is a practical, tax-smart investment strategy with SIP amounts, EMI limits, tax regime choice and a 15-year ₹2 crore plan.
₹80,000 Salary in India: Complete Financial Blueprint (2026)
Earn ₹80,000/month in India? Here's the exact 2026 blueprint: in-hand math, tax regime pick, SIPs, EMI capacity, and a 15-year wealth plan to ₹2 crore+.
Complete Financial Plan for Indians in Their 20s (2026)
A realistic 2026 financial plan for Indians in their 20s — emergency fund, SIPs, term insurance, tax regime, and 10-year wealth roadmap with real numbers.
₹75,000 Salary in India: How to Reach ₹1 Crore Faster
A ₹75,000 monthly salary in India can hit ₹1 crore in 10–12 years with the right SIP, tax and step-up plan. Real numbers, real timelines, no fluff.
Health Insurance India 2026: Pick a Plan Without Getting Ripped Off
A practical 2026 guide to choosing health insurance in India — sum insured math, room-rent traps, co-pay, waiting periods and the cheapest way to cover a family of four.
₹70,000 Salary India: Tax, SIP & EMI Planning Guide 2026
Complete ₹70,000 salary planning for India 2026 — new tax regime math, ideal SIP allocation, safe EMI limits, and a step-by-step monthly budget.
SIP vs Lump Sum: Which Wins? Nifty 50 Data 2010–2026
Real Nifty 50 backtest from 2010 to 2026 comparing SIP vs lump sum returns for Indian investors — with numbers, mistakes, and a clear action plan.
₹60,000 Salary in India: Budget & Investment Plan 2026
₹60000 salary in India 2026: ideal budget, SIP allocation, tax savings and a plan to reach ₹2 crore in 20 years. Real numbers, not generic advice.
Home Loan vs Rent in India 2026: EMI Math & Reality
Home loan vs rent in India 2026. Real EMI math, opportunity cost of down payment, city-wise rent-to-EMI ratios and when buying actually beats renting.
₹45,000 Salary Investment Plan India 2026: Build Wealth
₹45,000 salary investment plan India 2026 — budget split, SIP allocation, tax under new regime, and how to hit ₹1.5 crore without cutting lifestyle.
Direct vs Regular Mutual Fund: The Hidden Cost Killing Returns
Direct mutual fund vs regular plan India 2026 — hidden 1% expense ratio gap can cost ₹20+ lakh over 20 years. Real numbers, examples, and how to switch.
Emergency Fund India: How Much, Where to Keep & Build Fast
Emergency fund India 2026: exact target by life stage, best place to park it (liquid fund vs FD), and a 12-month plan to build one on any salary.
₹40,000 Salary in India: Best SIP, Tax & Expense Plan 2026
₹40,000 salary India 2026: exact budget split, zero tax under new regime, ₹4,000 SIP that becomes ₹1 crore. Real numbers, no fluff.
₹35,000 Salary in India: Smart Budget & SIP Plan (2026)
₹35,000 salary in India 2026: exact budget split, tax under new regime, ₹6,000 SIP plan and how to hit ₹1 crore by 45. Real numbers, no fluff.
Financial Plan for Indians in 30s: Insurance, Home Loan, Kids & NPS
Complete India 2026 financial plan for your 30s: ₹1Cr term cover, home-loan EMI math, kids' education SIPs, and NPS retirement stack — with numbers, not fluff.
₹30,000 Salary in India: Save & Invest Plan (2026)
Exact monthly plan for a ₹30,000 Indian salary in 2026 — budget, tax, SIP, insurance and 20-year corpus math with step-ups.
CIBIL Score 650 to 750+ in 6 Months: India 2026 Guide
A practical 6-month plan to move your CIBIL score from 650 to 750+ in India — utilisation, EMI discipline, credit mix and errors that quietly hurt you.
Term Insurance Guide India 2026: How Much Cover Do You Need?
Term insurance India 2026 — exact cover formula, premium math by age, top mistakes and a 5-step buying plan for Indian families.
₹25,000 Salary in India: Budget, Tax & SIP Plan (2026)
₹25,000 salary India 2026 — exact budget, zero tax under new regime, ₹5,000 SIP plan and step-by-step path to ₹50 lakh corpus.
Index Fund Investing India 2026: The Lazy Portfolio
The 3-fund lazy index portfolio that beats most active funds in India — allocations, costs, taxes, and the mistakes to avoid in 2026.
₹5 Crore Portfolio Before 50 on an Indian Salary
The exact SIP, step-up, and asset mix needed to build a ₹5 Crore portfolio before 50 on an average Indian salary in 2026 — with real numbers.
Dual Income Couples India 2026: Manage & Invest Together
How dual income couples in India should split bills, save tax jointly, run a combined SIP, and build a ₹10 Cr retirement corpus in 2026.
Freelancer Tax Guide India 2026: ITR, GST & Deductions
Complete 2026 tax guide for Indian freelancers — ITR-4, Section 44ADA, GST on services, old vs new regime, advance tax, and how to invest the savings.
₹50,000 Salary India 2026: Budget, Tax & Investment Plan
Exact budget split, tax math (new vs old regime), SIP plan and EMI limits for a ₹50,000 monthly salary in India 2026 — with real numbers.
₹1 Lakh Salary India 2026: Tax, SIP, EMI & Savings Plan
Optimal tax regime, SIP amount, EMI ceiling and savings split for a ₹1 lakh monthly salary in India 2026 — built around real CTC and in-hand math.
Wedding Cost in India 2026: Save & Invest Without Loan
Indian wedding cost in 2026 ranges ₹15-50 lakh. Exact SIP, savings plan, and fund mix to fund your wedding without a personal loan.
Save ₹20 Lakh for Down Payment in 5 Years: SIP Plan
Want ₹20 lakh as a home down payment in 5 years? See exact SIP, returns, and step-by-step plan for Indian salaries in 2026.
Car Loan vs Buy Cash in India 2026: What Data Says
Car loan vs cash purchase in India 2026: real EMI vs investment math on Rs 8L-Rs 25L cars, opportunity cost, tax, and the smartest move by income bracket.
50-30-20 Rule: Does It Work for Indian Salaries 2026?
Does the 50-30-20 budget rule work on Indian salaries in 2026? Real numbers for Rs 40K-Rs 3L incomes, common mistakes, and a practical action plan.
NPS vs ELSS 2026: Which Tax-Saving Investment Wins?
NPS vs ELSS in India 2026 compared — returns, lock-in, tax savings under 80C and 80CCD(1B), and which suits your age and salary bracket best.
HRA Exemption Calculator India 2026: Claim & Maximise
Learn how to calculate and maximise HRA exemption in India 2026 with real salary examples, formula, metro vs non-metro rules, and common mistakes to avoid.
Section 80C Investments: Full List & Best Options FY 2025-26
Complete Section 80C guide for FY 2025-26: ₹1.5 lakh limit, ELSS vs PPF vs NPS vs life insurance, real tax savings by salary bracket and best options for Indian salaried taxpayers.
How to Save Tax on ₹22 Lakh Salary in New Regime 2025-26
Practical guide for ₹22 lakh salaried Indians under the new tax regime FY 2025-26: standard deduction, NPS employer share, exact tax calculation and how to legally pay less.
Best Investment App in India 2026: Honest Comparison
Compare the best investment apps in India for 2026 — FundGenie, Groww, Zerodha, INDmoney, ET Money, Dhan. Charges, AI planning, tax tools and which app suits your salary, age and goal.
Dhan vs Groww vs Zerodha vs FundGenie: Best App in India 2026
Dhan vs Groww vs Zerodha vs FundGenie — a detailed 2026 comparison on charges, trading, mutual funds, AI planning and tax tools for Indian investors.
Groww vs ET Money: Which Is Better for Mutual Funds in 2026?
Groww vs ET Money compared on SIPs, mutual funds, NPS, charges, app experience and tax tools — the 2026 guide for Indian investors choosing between the two.
FundGenie vs ET Money: Which Is Better for SIPs and Tax in 2026?
FundGenie vs ET Money compared on SIPs, mutual funds, NPS, tax planning and AI advice — a 2026 guide for Indian investors choosing the right wealth app.
FundGenie vs INDmoney: Which AI Money App Is Better in 2026?
FundGenie vs INDmoney compared on AI planning, US stocks, mutual funds, charges and tax tools. The 2026 guide for Indian investors choosing a money super-app.
FundGenie vs Groww: Which Is Better for Indian Investors in 2026?
Compare FundGenie and Groww on SIPs, mutual funds, charges, AI planning and tax tools. A detailed 2026 guide for Indian investors choosing the right platform.
SIP vs FD: Which Is Better for Indian Investors in 2026?
A side-by-side comparison of Systematic Investment Plans and Fixed Deposits — returns, risk, liquidity and tax under the latest Indian budget — to help traditional savers decide where to put their money.
SIP vs PPF vs FD: Which Wins Over 15 Years in India?
SIP vs PPF vs FD over 15 years — full comparison with real corpus numbers, post-tax returns, risk, and which suits the Indian middle class in 2026.
Best Mutual Funds for SIP in 2026: A Beginner's Guide
An evidence-based guide to choosing the best mutual funds for SIP in India 2026 — by category, risk, returns and real selection criteria.
₹5,000 SIP for 10 Years: How Much Will You Get?
A ₹5,000 SIP for 10 years can grow to ₹11–12 lakh at 12% returns. See full calculation, return scenarios, fund choices, and tax impact in India.
Step-Up SIP vs Flat SIP: Which Builds More Wealth in India?
Step-up SIP can double or triple your wealth versus a flat SIP. See real numbers, formulas, and which one suits Indian salaried investors in 2026.
How Much SIP to Start on ₹30,000 Salary in India (2026)
On a ₹30,000 salary in India, here's exactly how much SIP you should start in 2026 — with real numbers, budget breakdown, and a step-by-step plan.
Why Most Indians Fail to Become Crorepati Through SIPs
The 6 SIP mistakes Indians make that delay their ₹1 crore goal by years, with real numbers and a fix-it action plan for 2026.
Child Education Cost in India 2035–2045 & SIP Needed
Projected cost of engineering, MBA, MBBS and overseas education in India for 2035–2045, and the monthly SIP you need to start today.
EMI vs SIP: Prepay Loan or Invest More? (Data-Backed)
EMI vs SIP in India: should you prepay your home loan or invest in mutual funds? A data-backed answer with real ₹ numbers for 2026.
How Much Money to Retire Comfortably in India (50 or 60)
Exactly how much retirement corpus you need in India after age 50 or 60, age-wise SIP table, and how to plan with 6% inflation.
₹10–25 Lakh Salary Tax in India 2026: How to Pay Less
How much tax you actually pay on ₹10, 15, 20, and 25 lakh salary in India (2026), and how to reduce it legally under the new tax regime.
Old vs New Tax Regime: Which Is Better? (FY 2025-26 Guide for India)
New regime is now the default — but is it actually cheaper for you? A plain-English India tax guide with FY 2025-26 slabs, real salary examples, and a free calculator.
Stock, Mutual Fund, Options, Crypto, Gold, Silver or Real Estate — What's Best in India Right Now? (2026)
Stocks, SIPs, gold, crypto or real estate — which one actually fits your goals in 2026? A practical, no-hype breakdown for Indian investors.
Dear Cockroaches, The Revolution Can Wait — Your SIP Cannot
Inflation does not care about ideology. A no-nonsense guide for young Indians on why SIPs, emergency funds, and goal-based investing are the only revolution that compounds.
The Financial Question Every Indian Should Be Asking Right Now
Before chasing high returns, build the foundation: an emergency fund, clear goals, and a realistic plan. Why financial preparedness matters more than ever for Indian households.
How Much Should You Invest Every Month to Reach ₹1 Crore?
A clear breakdown of how much to invest every month to reach ₹1 Crore — by time horizon, expected returns, and the mistakes that derail most plans.