Insights
Notes from the Powai desk.
What we tell clients when markets move, rules change, or a decision needs numbers. Written by the people who make the calls.
- Markets4 min read
Why your SIP is not the enemy in a down market
When the Sensex falls 15%, the first instinct is to pause the SIP. Here is the arithmetic on why that month is the one that pays you back most.
Plabita Priyadarshi · 14 Oct 2026
- Client letters4 min read
The real cost of surrendering a traditional insurance policy
Surrendering an endowment plan in year seven can cost you a third of what you paid. Before you sign the form, read the three options we lay out for every client.
Sanjiv P · 2 Oct 2026
- Planning5 min read
A Mumbai family's retirement math at 45
₹1.2 lakh a month today becomes ₹2.9 lakh at 60. We walk through the corpus, the gap, and the ₹57,000 SIP that closes it for one Powai family.
Plabita Priyadarshi · 22 Sept 2026
- Guides4 min read
Loan against mutual funds vs breaking your SIP: a decision framework
Need ₹6 lakh for nine months? Redeeming costs tax and lost compounding. Borrowing costs interest. We lay out the four questions that decide it.
Sanjiv P · 8 Sept 2026
- Interviews5 min read
What the latest NPS rules mean for salaried professionals
Sanjiv answers the five NPS questions we heard most this year: the new tax regime, the employer contribution, withdrawals, annuity, and whether to bother at all.
Sanjiv P · 25 Aug 2026