Mutual funds, stocks, bonds, gold and government schemes — analysed on cost, risk and after-tax return. We name the products that are quietly expensive.
Judge any of it against the risk-free alternative before you commit. A fund has to beat the best FD rates after cost and after tax to be worth its volatility, and the FD calculator gives you that benchmark in rupees rather than percentages. For a sovereign-backed option with no credit risk at all, start with government securities and T-bills.
Rankings and comparisons
G-Secs, state loans, RBI floating rate bonds and corporate paper compared on who takes the credit risk and how the interest is taxed.
Debt funds are taxed at slab rate now, so pick one by holding period rather than return — and know when a fixed deposit beats it.
Ranked on total cost of ownership — annual maintenance and statutory charges decide more than brokerage does.
The screen that separates a sustainable dividend from a falling share price, and how the income is taxed.
ELSS has the shortest 80C lock-in at three years. Whether that makes it the best 80C option depends on one thing.
Why we publish the flexi cap universe rather than a ranking, what the category is allowed to do, and how to pick one properly.
Which SEBI hybrid category to pick, which ones get equity taxation, and what the February 2026 rewrite changed.
Which index fund route actually wins, why tracking difference beats the expense ratio, and how many index funds India really has.
The best international mutual fund India offers depends on your risk appetite and investment horizon
SEBI forces every large cap fund to hold the same 100 stocks. That is why the index fund is the default, and what has to be true for an active fund to beat it.
Why the mid cap route matters more than the fund name, and what SEBI's 65 per cent rule really means.
Why no honest top-10 list exists, and how to rank the routes instead: category, plan type and tax.
How Scheme E, C and G returns compare, and why the fund manager is the smallest lever you have.
We rank the SIP routes, not a leaderboard of funds — with the real minimum SIP amounts from AMFI.
The four routes into small caps ranked, with the liquidity risk stated plainly.
SGB, gold ETF, digital gold or jewellery — ranked on the round-trip cost, not the gold price.
Same fund, same manager, lower cost. What SEBI actually mandated in 2013 and how to switch without a tax shock.
One is a SEBI-regulated mutual fund scheme. The other sits outside every Indian financial regulator. That decides it.
Guides and explainers
Why annuities are usually a poor deal, the NPS 40% rule, and how to buy the smallest one that does the job.
The 10-year G-Sec at 6.92%, the full curve, and why the spread over the repo rate has widened.
Delivery, intraday, F&O brokerage and annual maintenance charges across six Indian brokers — and why brokerage is rarely the biggest cost.
How SEBI regulates online bond platforms, how to verify one is registered, and the credit-risk disclosure you should demand before buying.
The 30% rate, the 1% TDS and the no-set-off rule that can tax you on a portfolio that made nothing.
The EPF rate for FY 2025-26, when withdrawals are tax free, the Rs 2.5 lakh interest trap, and why VPF beats most debt funds.
How futures and options actually work, and SEBI's own finding that 93% of individual traders lost money in equity F&O between FY22 and FY24.
The IBJA fix for every purity, five years of price history, and every route into gold compared on what it costs to buy and to sell.
How to buy government bonds in India through RBI Retail Direct, what the auction calendar covers, and how G-Sec yields work.
Five years of service, fifteen days' wages a year divided by 26, and a ₹20 lakh ceiling.
The upcoming IPO calendar shows companies listing on Indian stock exchanges, including Mainboard and SME segments
KVP pays 7.5% and doubles your money in 115 months. Why that is worse than it sounds for most taxpayers.
How to filter the Indian mutual fund universe properly, what each screening criterion really measures, and where the published data stops.
Equity, debt and the third bucket: the rates, the ₹1.25 lakh exemption and what the 2023 and 2025 changes did.
NSC pays 7.7% for the July–September 2026 quarter — and is worth nothing extra if you file under the new tax regime.
Tier I versus Tier II, fund manager choice, the extra ₹50,000 deduction and the compulsory annuity nobody mentions.
What the RBI actually allows on a P2P platform, and why the advertised return is not a return.
The ₹50 lakh and ₹1 crore minimums SEBI sets, what each wrapper actually gives you, and where the fee drag hides.
POMIS pays 7.4% as monthly interest on up to ₹9 lakh single or ₹15 lakh joint, for five years — and none of it compounds.
Every post office scheme rate we could verify, with tenure, limits, tax treatment and the post-tax yield that reorders the table.
The rate, the 15-year lock-in, the 1.5 lakh cap and the EEE tax status, in plain terms.
The 7-year lock-in, how the coupon resets against the NSC rate, and how the interest is taxed.
How listed REITs and InvITs work in India, the SEBI limits that govern them, and why the payout is taxed in four different buckets.
How to size a retirement corpus when medical inflation runs ahead of general inflation.
SCSS pays 8.2% for the July to September 2026 quarter, caps each account at ₹30 lakh, and pays interest every quarter.
The IBJA silver fix per kilogram and per gram, five years of price history, and where to buy across fifty cities.
PPF, SSY, NSC, SCSS, KVP and POMIS rates for the current quarter — and the difference between a rate that floats and a rate that locks.
No new tranche since February 2024, a 2.5% coupon, and why the tax-free maturity does not apply if you sell.
Choosing the best stock broker in India depends on your trading style and needs
Demat account, broker charges, the T+1 settlement cycle and what your first trade should be.
SSY pays 8.2% tax free for the July-September 2026 quarter — the highest guaranteed return available to an Indian household, with one large catch.
How shares, intraday trades and F&O are taxed in India, and the turnover thresholds that decide whether you need an audit.
The regulator lets a ULIP cut your return by up to 4% a year at the five-year mark. That is the number to judge it on.
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