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LATEST POSTS
View all →Step Up SIP vs Flat SIP: Raising Your ₹10,000 SIP by 10% a Year Doubles the 20 Year Corpus.
A flat ₹10,000 SIP grows to ₹99.9 lakh in 20 years at 12%. The same SIP raised 10% every year grows to ₹1.99 crore. The exact numbers, the catch, and how to set it up.
20 Year vs 30 Year Home Loan: The ₹4,945 Lower EMI That Costs You ₹34 Lakh More.
On a ₹50 lakh home loan at 8.5%, a 30 year tenure lowers your EMI by ₹4,945 but adds ₹34.3 lakh of interest. The exact numbers and a smarter way to use a long tenure.
The 50 Day Interest Free Credit Card Period, and the One Partial Payment That Cancels It.
A credit card can give you up to about 50 days interest free, but paying even ₹1 less than the total due can cost ₹2,716 on a ₹40,000 purchase. How the grace period really works.
Health Insurance Waiting Periods and Room Rent Limits: The Two Clauses That Quietly Decide Your Claim.
A ₹5 lakh health cover can still leave you paying ₹75,000 on a ₹2 lakh bill. How waiting periods, the 5 year moratorium and room rent limits actually work, with the numbers.
STCG vs LTCG on Shares and Equity Funds: The Same ₹3 Lakh Profit Can Cost ₹62,400 or ₹22,750.
Selling shares or equity funds before 12 months costs 20% tax. After 12 months it is 12.5% above ₹1.25 lakh. The exact rupee difference, with examples and the mistakes to avoid.
Vinay's Father Retired With ₹70 Lakh. Here Is How It Becomes ₹10.29 Crore Without Ever Running Dry.
A real estate professional's father retired with ₹70,00,000 and needed a monthly payout that would last from 60 to 90 without running dry. The two bucket method that turns it into ₹10.29 crore.
Deepak Invested ₹2 Lakh the Week His Daughter Was Born. Here Is What ₹2 Lakh at 16% Becomes in 20 Years.
A medical representative invested ₹2,00,000 the week his daughter was born, after checking whether a viral WhatsApp table was actually accurate. The precise maths, and the ₹2.7 lakh gap nobody mentions.
Rental Income or Dividend Stocks: The Comparison Nobody Shows You
A client wanted to buy a second flat for rental income. Here is the full side by side math against a dividend stock portfolio, costs included.
Which Stocks Have Actually Paid the Highest Dividends in India?
A data led look at which sectors have historically paid the highest dividend yields in India, and why, without picking a stock for you.
What Actually Makes a Dividend Stock the Best? A Framework, Not a Tip
There is no single best dividend stock. Here is the 4 point framework I use to evaluate one, and the trap that catches most first time dividend investors.
Best Dividend Stocks for the Long Term? Think Growth, Not Just Yield
Chasing the highest yield today is the wrong long term game. Here is why yield on cost matters more than current yield.
How Long Do You Need to Hold a Stock to Get Its Dividend?
You do not need to hold a stock for years to get its dividend. Here is exactly how the record date and ex-dividend date actually work.
RD vs FD: Why the Same Interest Rate Pays You Roughly Half
An RD and an FD at the same 7% do not pay the same. ₹1.2 lakh via FD earns ₹8,623 a year, the same via RD earns ₹4,621. The exact reason why.
SIP vs Lumpsum: The Comparison Almost Everyone Gets Wrong
₹12 lakh as lumpsum beats a ₹10,000 SIP by ₹14 lakh over 10 years, on paper. One 30% crash in year one erases the entire gap.
Fixed vs Floating Home Loan Rate: What Certainty Actually Costs
A ₹40L loan at 10.25% fixed costs ₹7,86,407 more than 9% floating over 20 years. What certainty on a home loan actually costs.
Credit Card vs Personal Loan: The Same ₹2 Lakh, Five Times the Cost
₹2 lakh on a credit card at 42% costs ₹1,49,978 in interest. The same as a personal loan at 14% costs ₹30,462.
Does Closing a Credit Card Hurt Your CIBIL Score?
Closing a card with a ₹2 lakh limit can push utilisation from 20% to 33% overnight, without spending a rupee more.
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Every DhanSutra article is built from a real client engagement, published with written permission. Names are used with consent; portfolio figures are withheld under confidentiality.
📁 A dual-income couple who broke the Double Salary Illusion → Read Vipin & Sunita's story
📁 A ₹50,000 credit card bill that was quietly becoming ₹1.8 lakh → Read Ajay's story
📁 An 18-year home loan closed in 10 → Read Rajesh's story
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No. DhanSutra content is for educational purposes only, based on personal experience and research, and is not SEBI-registered investment advice. Please consult a SEBI-registered investment adviser for personalised investment decisions.
Most finance blogs give generic 'best of' lists that AI can now replicate instantly. DhanSutra publishes real personal experience, original data analysis, and honest verdicts: content AI cannot write.
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