Notes from SELEQT.
There is a number that pulls investors in like nothing else: the yield. A bond or NCD advertising 12% next to a bank FD at 7% looks like free money, and every year some investors chase that gap straight into a...
Read the piece →Everyone talks about the exciting part of a portfolio, the equities that grow your wealth. Almost no one talks about the boring part, the money that is meant to stay safe. Yet the conservative core is what...
Read the piece →The health insurance most Indian families own was bought years ago, for a sum that felt generous then and is dangerously thin now. If you have not revisited your cover recently, the honest answer to how much...
Read the piece →Ask most people how much life insurance they have and they will name a policy, not a number. That is the first mistake. The right question is not which plan you own but how much life insurance do I need, and...
Read the piece →Ask a certain kind of adviser and a family trust is the answer to everything: tax, succession, protection, all solved at once. Ask a plain-speaking one and the honest answer is narrower. A family trust in...
Read the piece →Making a will is the single most important thing you can do for your family's financial future, and most Indians never do it. But here is the uncomfortable truth for those who have: a will alone often is not...
Read the piece →Owning Apple, an S&P 500 ETF, or your employer's vested shares is easy now. Getting the tax right is where people slip. The tax on US stocks in India is not especially high, but it arrives in pieces, on...
Read the piece →In 2023 the government removed the tax advantage that made debt funds obviously better than fixed deposits. The change to debt mutual fund taxation was quiet but decisive: gains on most debt funds are now...
Read the piece →In July 2024, India rewrote its capital gains tax rules in a single stroke, and the dust has now settled. Holding periods were simplified, rates were reset, and indexation, the inflation adjustment that...
Read the piece →Getting money into India is easy. Getting it back out is where NRIs lose weeks. The rules are not actually complicated, but they are unforgiving about documentation, and a single missing certificate can hold...
Read the piece →For most NRIs, investing in India has always meant the same trade-off: convert your dollars to rupees, accept Indian tax and paperwork, and hope the rupee does not undo your returns on the way out. GIFT City...
Read the piece →In June 2026, the government and the RBI did something worth paying attention to. Facing a steady exit of foreign money and a rupee near record lows, they announced a package designed to pull capital back in:...
Read the piece →In 2026 the rupee did quickly what it usually does slowly. It slipped past ₹90 to the dollar and touched a record low near ₹97 before the RBI stepped in to steady it. If you hold only Indian assets, the...
Read the piece →For eight years, the smartest way for most Indians to own gold was not physical gold at all. It was a bond. The Sovereign Gold Bond paid 2.5% interest a year, moved with the gold price, and if you held it to...
Read the piece →Filing season is here. The ITR last date for FY 2025-26, how to file step by step, the old-versus-new regime trap, the right form for capital gains, and when a return outgrows DIY filing.
Read the piece →India's largest-ever IPO has filed. The NSE is set to list at about Rs 30,000 crore, as a 100% offer for sale, on its rival the BSE. A plain-terms guide to what the issue is, the timeline, NSE unlisted shares, and how to weigh an IPO like this.
Read the piece →The RBI held the repo rate at 5.25% in June 2026, pausing a year of cuts. What a higher-for-longer setting means, section by section, for your home loan, fixed deposits, debt funds, and equities.
Read the piece →In 2026 the rupee slid to record lows against the dollar. A plain-terms look at why it is under pressure, the oil, rupee and inflation loop driving it, what a weak currency does to your portfolio, and how global diversification changes the picture for HNIs and NRIs.
Read the piece →On 4 May 2026, the National Stock Exchange launched its electronic gold receipts segment, a quiet milestone that could reshape how Indian families hold gold. A walk-through of what EGRs are, how they compare to Gold ETFs, SGBs and digital gold, how they're taxed, and where they fit in an HNI portfolio.
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