Capital Markets Banker. MBA. I decode Investing, IPOs, Stocks and Mutual Funds. Helping Indians protect and build generational wealth. (Not SEBI Registered)🇮🇳
Mar 9 • 10 tweets • 3 min read
NPS gives you ₹50,000 in extra tax deduction.
Not inside your ₹1.5L 80C limit.
On top of it. Completely separate.
Most salaried Indians have never used this.
Here’s exactly how — and the one part that works in BOTH regimes. 🧵
NPS tax benefits come in three parts.
Most people know only one.
→ 80CCD(1): Your own contribution — inside ₹1.5L 80C limit
→ 80CCD(1B): Extra ₹50,000 — completely over and above 80C
→ 80CCD(2): Employer’s contribution — separate from everything above
The power is in 80CCD(1B) and 80CCD(2).
Mar 7 • 10 tweets • 2 min read
Section 80D allows up to ₹1,00,000 in tax deductions.
Most Indians claim ₹25,000 of it.
The other ₹75,000? Left on the table.
Every single year.
Here’s what you’re missing — and how to claim every rupee you’re legally owed. 🧵
80D isn’t one deduction. It’s two additive buckets.
Bucket 1 — YOU, spouse & kids:
→ ₹25,000/year
→ ₹50,000 if you’re a senior citizen (60+)
Bucket 2 — YOUR PARENTS:
→ ₹25,000/year
→ ₹50,000 if they’re senior citizens (60+)
Both are independent. You can claim both.
Mar 6 • 10 tweets • 2 min read
Old Tax Regime vs New Tax Regime.
Every CA gives a different answer.
Every article adds more confusion.
Here’s a 30-second decision tree that ends the debate.
No jargon. Just your income and your deductions. 🧵
Budget 2025 made the New Regime very hard to ignore.
→ Zero tax up to ₹12 lakh (Section 87A rebate)
→ ₹75,000 standard deduction for salaried employees
Effective result: zero tax up to ₹12.75 lakh if you’re salaried.
That one update changed the entire calculation.
Mar 5 • 10 tweets • 2 min read
Tax harvesting is 100% legal.
Takes 20 minutes.
Saves thousands in LTCG tax every year.
Almost no Indian retail investor does it.
Here’s exactly how — before March 31st closes this window. 🧵
Every financial year, the first ₹1.25 lakh of your Long Term Capital Gains is completely tax-free.
This resets to zero on April 1st.
Every year you don’t use it — you lose it.
Forever.
Mar 4 • 8 tweets • 3 min read
When deciding where to invest your SIPs, if you ask yourself:
“Which mutual funds are actually delivering consistent returns?”
USE THE CHEAT SHEET:
🔷 Flexi Cap Funds
These funds have the freedom to invest across large, mid, and small-cap stocks based on market conditions.
🔸 HDFC Flexi Cap Fund
🔹 1Y Return: 18.02%
🔹 3Y Return: 22.85%
🔹 5Y Return: 20.35%
🔸 Parag Parikh Flexi Cap Fund
🔹 1Y Return: 10.17%
🔹 3Y Return: 20.82%
🔹 5Y Return: 18.25%
🔸 Edelweiss Flexi Cap Fund
🔹 1Y Return: 19.27%
🔹 3Y Return: 20.99%
🔹 5Y Return: 17.03%
Jan 24 • 10 tweets • 2 min read
Stop buying digital gold. 🛑
It looks like the safest asset you can buy in one click.
But if you hold digital gold without knowing the risks in this thread, you are sitting on a ticking time bomb.
Here is the truth 99% of investors ignore. 🧵👇
Digital gold is sold as "real gold" in a digital wrapper.
That framing is a lie.
When you buy digital gold, you are not buying the metal.
You are buying a promise from a private platform.
You are an unsecured creditor, not an owner.
Oct 15, 2025 • 6 tweets • 3 min read
🇮🇳 India Metals & Mining 2QFY26 Preview: Solid Growth Amidst Challenges
Systematix Institutional Research –
Sectoral Results & Outlook 🧵
The metals and mining sector is poised for an impressive quarter, led by volume growth, favorable commodity prices, and operational efficiencies, despite seasonal softness.