Grishma
Finance Content Writer
India
Grishma
Finance Content Writer · Stax
Grishma writes about personal finance and investing for everyday Indian readers. She focuses on breaking down complex topics — income tax filings, SIP strategies, mutual fund selection, EPF/PPF rules, and home loan planning — into clear, actionable guides without the jargon.
Her writing closely tracks regulatory changes from SEBI, the Income Tax Department, and PFRDA, translating official updates into practical advice for salaried employees, self-employed professionals, and first-time investors.
Financial Disclaimer
All content published by Grishma on Stax is for educational and informational purposes only. Grishma is not a SEBI-registered investment advisor or a certified financial planner. Nothing on this site constitutes personalised investment advice. Always consult a qualified financial advisor before making any investment or tax-related decisions.
ARTICLES
Posts by Grishma
RBI Repo Rate Hike: What It Means for EMIs and Prices
The RBI repo rate hike to 5.50% lifts floating-loan EMIs first and cools prices later. See the rupee impact on EMIs, FDs and your monthly budget.
Missed the ITR Deadline? What a Belated Return Costs
Missed July 31? You can still file a belated ITR for AY2026-27 until December 31, 2026. The late fee, interest, old-regime lock-out and the exact steps to file.
FD vs RD vs Savings Account: Which to Use in 2026
FD vs RD vs savings account in India: current bank rates, TDS rules, tax treatment, liquidity, and the right instrument for each financial goal.
EPF vs NPS vs PPF: Retirement Comparison for Salaried
EPF vs NPS vs PPF compared on contributions, interest rates, lock-in, withdrawals and tax at maturity, and how to combine all three for retirement.
TDS on Rent Above ₹50,000: What Tenants Must Do
Many tenants think TDS on rent is the landlord's problem. If you pay over ₹50,000 a month, you must deduct, deposit and file, and penalties are steep.
How Your CIBIL Score Is Calculated: The 5 Key Factors
What makes up a CIBIL TransUnion score, why it matters for home and personal loans, which habits raise it fastest and what hurts it most.
NPS vs Mutual Funds for Retirement: Which Wins in 2026?
NPS vs mutual funds for retirement: returns, 80CCD tax benefits, lock-in, annuity rules and withdrawals, with a verdict by investor profile.
Your SIP Return Is Not CAGR: XIRR Explained
XIRR vs CAGR: investors confuse fund CAGR with personal XIRR, and for SIPs the gap can be 3–5 percentage points. The math and a worked example.
ELSS vs PPF: Which 80C Option Wins in FY2026-27?
With PPF at 7.1% and rates falling, the ELSS vs PPF choice has shifted. Compare 10-year returns, lock-in and tax treatment for your ₹1.5 lakh 80C.
Capital Gains Tax on Mutual Funds FY2025-26: Rates & ITR-2
Capital gains tax mutual funds guide: LTCG on equity funds is 12.5% and STCG 20% from July 23, 2024. How to claim the ₹1.25 lakh exemption in ITR-2.
HDFC AMC Cyber Incident: Are Your Mutual Funds Safe?
HDFC AMC disclosed a cybersecurity incident. What happened, whether your units are at risk, what data AMCs hold about you and the steps to take now.
Form 26AS vs AIS: Spot and Fix ITR Mismatches
Form 26AS vs AIS: filing ITR from 26AS alone is risky, as AIS also shows interest, dividends and MF redemptions. How to read both and fix mismatches.
2008 Mutual Fund Dividends: Recover Unclaimed Money (IEPF)
Unclaimed mutual fund dividends from 2008: agents put investors in payout plans with wrong bank details, and lakhs now sit earning 4%. A recovery guide.
Best FD Rates in India, May 2026: SBI, HDFC, ICICI Compared
The best FD rates in May 2026 are falling as the RBI cuts the repo rate. Which banks still pay the most, and should you lock in before the next cut?
How to File ITR Online for FY2025-26 (AY 2026-27)
ITR filing for FY2025-26 is open, with a July 31, 2026 deadline. How to file online: choosing the form, documents needed, regime selection and common mistakes.
Old vs New Tax Regime: Which Saves More in FY2026-27?
Old vs new tax regime: the new regime is the default in India but not always better. Use this break-even analysis to see which saves you more.
Build a ₹1 Crore Corpus With SIP: 2026 Step-by-Step Guide
Building a ₹1 crore corpus through SIP is more achievable than most think. How much to invest, for how long, and which assumptions to stress-test first.
Gold and Silver Import Duty Hits 15%: What Buyers Should Do
The government raised gold and silver import duty to 15% effective May 13, 2026 — up from 6%. Here's the real ₹ impact on jewellery, ETFs, and gold SIPs.
Sovereign Gold Bond Matures at 382%: 2018 SGB Payout
Sovereign gold bond SGB 2018-19 Series 1 matures in May 2026 with over 382% returns for 2018 buyers at ₹3,114. The calculation, tax treatment and outlook.
April CPI at 3.48%: What Borrowers and Savers Should Do
CPI inflation India: April retail inflation came in at 3.48%, below the RBI's 4% target. The real ₹ impact on your home loan EMI, FD returns and fuel budget.
Home Loan Rates Fall to 7.10% in May 2026: Buy Now?
Home loan interest rates hit multi-year lows after the RBI's 125 bps cuts, from 7.10%. What it means for affordability, buy vs rent and your best rate.
New Income Tax Act 2025: ₹12 Lakh Zero Tax and Key Changes
India's new Income Tax Act 2025 is live from April 1, 2026: the ₹12 lakh threshold, 8-city HRA, higher senior deductions and how to pick the better regime.
RBI Cuts Repo Rate to 5.25%: What It Means for Your EMI
The RBI has cut the repo rate 125 bps since 2025 to 5.25%. The rupee impact on your home, car and personal loan EMIs, and whether to switch lenders.
CII Wants ₹10 Fuel Excise Cut Rolled Back: Your Petrol Bill
Fuel excise duty: the CII wants the ₹10/litre cut rolled back gradually. Here is the real ₹ impact on your monthly petrol and diesel spend.
PPF 7.1%, NSC 7.7%: Small Savings Rates Frozen Apr–Jun 2026
Small savings rates stay frozen: PPF, NSC and Sukanya Samriddhi are unchanged for April–June 2026, the eighth straight quarter. Why, and what it means.
EPF Interest Rate 2025-26 Stays at 8.25%: Credit Date
The EPF interest rate stays at 8.25% for FY 2025-26, a second year running. When it's credited, how it's calculated and what your EPF really earns.
India's SIP Inflows Hit a Record ₹32,000 Cr in March 2026
SIP inflows record ₹32,087 crore in March 2026, with 9.72 crore active accounts. What this record means for your own SIP and whether to raise it.
SIP vs Lump Sum: Which Builds More Wealth in 2026?
SIP vs lump sum: both grow money, but the right pick depends on markets, cash flow and risk tolerance. Here's the honest breakdown and when each wins.
17 New Finance Calculators, All Running Client-Side
From XIRR and APY to Sukanya Samriddhi, Stax adds 17 finance calculators India investors use on Groww, with the same math and no server-side processing.