Niveshkar Blog https://niveshkar.com/blog/ Personal-finance writing for India: long-form guides plus reactions to budget, RBI and tax-rule changes. Paired with the calculator suite at niveshkar.com. en-IN Fri, 22 May 2026 11:15:47 GMT Home loan vs SIP: should you prepay or invest the surplus? https://niveshkar.com/blog/home-loan-vs-sip-prepay-or-invest/ https://niveshkar.com/blog/home-loan-vs-sip-prepay-or-invest/ Home loan vs SIP: post-tax loan cost after Section 24 vs post-tax SIP return, worked at 3 salary slabs and the income where math flips. Fri, 22 May 2026 00:00:00 GMT noreply@niveshkar.com (Ritusmoi Kaushik) Step-up SIP: how it works + the ₹2 crore math over 25 years https://niveshkar.com/blog/step-up-sip-vs-regular-sip/ https://niveshkar.com/blog/step-up-sip-vs-regular-sip/ Step-up SIP math: a 10% annual increase roughly doubles a 25-year corpus vs a flat SIP. The cashflow plan that keeps it running, mistakes that halve it. Fri, 22 May 2026 00:00:00 GMT noreply@niveshkar.com (Ritusmoi Kaushik) New vs old tax regime FY 2025-26: slabs + which saves more? https://niveshkar.com/blog/old-vs-new-tax-regime-fy26/ https://niveshkar.com/blog/old-vs-new-tax-regime-fy26/ New tax regime vs old, FY 2025-26: actual numbers on which saves more between ₹7L and ₹50L CTC after Budget 2025 slabs + ₹12L rebate. Fri, 22 May 2026 00:00:00 GMT noreply@niveshkar.com (Ritusmoi Kaushik)