Quick answer: To build ₹1 crore in NPS, you need about ₹13,800 a month for 20 years. This assumes a 10% yearly return. At 8%, you need about ₹17,500, while at 12% you need about ₹10,900. However, starting earlier cuts the amount sharply. These are illustrations, not promises. Key Facts ₹13,800 a month for 20
Quick answer: To recover money after a digital payment fraud in India, act fast. Call 1930 or file a complaint at cybercrime.gov.in. Then report to your bank in writing. Under RBI rules, reporting within three working days can limit your loss to zero in many cases. Recovery is not guaranteed. Key Facts 1930 is India’s
Quick answer: Yes. A non-government NPS subscriber can take a normal exit after 15 years in NPS or at age 60. Whichever comes first applies. You can withdraw up to 80% as a lump sum. At least 20% must buy an annuity. Only 60% of the corpus is clearly tax-free. The extra 20% may be
Quick Answer: Stock market work in India has five routes, so your role decides your exam. First, Authorised Persons distribute for a broker. Second, Research Analysts use NISM Series XV. Third, Investment Advisers use X-A and X-B. Also, portfolio managers need SEBI registration and ₹5 crore net worth, while PMS distributors use XXI-A. Key Facts
Short answer: Deepfake investment scams use AI-made videos, voices, and photos of real experts to sell fake stock tips. The video looks real, but the expert never said it. Protect yourself. Check the adviser’s SEBI registration, never pay through chat links, and report fraud on 1930 within hours. Key Facts India’s National Cyber Crime Reporting
Quick answer: Mid-cap and small-cap funds can help build long-term wealth, but only as a limited part of your portfolio. In August 2026, investors put heavy money into them. Small-cap valuations now sit above their five-year median. So the real question is how much you can hold through a 40% fall. Key Facts As per
Mutual fund portfolio overlap means two or more of your funds hold the same stocks. When overlap is high, you own the same companies again and again. You pay several fund managers for one idea. You also get less diversification than you think. Check overlap before you add a new fund. Key Facts Overlap %
Quick answer: An ELSS fund is a tax-saving mutual fund that invests mostly in shares. You can claim up to ₹1.5 lakh a year under Section 80C. This is now Section 123 of the Income-tax Act, 2025. It has a 3-year lock-in. The deduction works only in the old tax regime. Key Facts ELSS stands
Quick answer: When you switch jobs, your unvested ESOPs usually lapse. Your vested options stay yours, but you must exercise them inside the window in your ESOP policy. Many plans give 30 to 90 days. Exercising triggers salary tax on the gain. So check your deadline, your cash, and your tax before you resign. Key
Neither regime is best for everyone. The new regime has lower rates but few deductions. The old regime has higher rates but allows HRA, home loan interest and 80C. Add up your real deductions, then compare the tax under both. At a ₹15 lakh income, the old regime needs about ₹6 lakh of deductions to
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
