The Union Budget 2026–27  brought a mix of structural reforms, policy signals and tax tweaks  that will influence investor behavior in both the short and long run. 1. Taxation: Stability and Simplification Unlike some market expectations, there were no major cuts in long-term or short-term capital gains taxes , existing rates broadly stayed intact, keeping the tax landscape familiar for most investors. One notable change is around share buybacks , proceeds will now be taxed a

India’s consumption story is no longer a footnote, it’s the main engine of its economic growth . Private household spending has nearly doubled over the past decade, reaching about USD 2.1 trillion  in 2024, with consumption growing faster than in the US, China, or Germany. A rising middle class, increasing discretionary income, digital adoption, and broadening consumption beyond metros has significant implications for markets, sectors, and individual portfolios. 1. What’s Dr

Budgeting often fails because people make it unrealistic, restrictive, or overly complicated.   WHY BUDGETS FAIL  • Tracking every rupee is exhausting  • No allowance for fun spending  • Goals and lifestyle don’t align  • Income may fluctuate  • Budgets lack flexibility    HOW TO FIX IT  1. Choose a Simple Budgeting Rule  Try 50‑30‑20 or 70‑20‑10 depending on your lifestyle.   2. Automate Savings  Move money to investments immediately after payday.   3. Use Weekly Budgets  We

Mutual funds have long been among the most popular investment avenues for retail and institutional investors alike. However, one area that has historically been cumbersome is the transfer of mutual fund units  especially when they are held in the traditional Statement of Account (SoA)  mode. Until recently, transferring or gifting mutual fund units often meant selling them, paying capital gains tax, and then reinvesting, a process that was clunky, costly, and tax-inefficient.