A small Slack of serious households.

If your Form 26AS shows TDS your employer never reflected on Form 16, that's free money sitting at the IT department. Here's how to claim it before July 31.

ELSS fund in lock-in still since 2019? You can redeem now without exit load. The tax-saving benefit is already realised — keeping it is a default, not a decision.

Yash — does this apply to ELSS bought via SIP? My CAS shows installments from 2019, 2020, 2021. Each tranche has its own 3-yr clock right?

Exactly — each SIP unit has its own 3-yr lock-in. Sajag tags each tranche separately so you see which ones are unlocked. Look at the CAS view → ELSS row.

PSA: If you're paying 36% APR on a credit card while running a SIP at 12% expected return, the math says you're losing ~24% a year on the spread. Worth running the numbers — Sajag flags this as a Critical finding.

Did this two months ago after the dashboard yelled at me. Cleared ₹2.1L on a HDFC card. Restarted my SIP last week. The math feels different on the other side.

NPS exit at 60: 60% lump-sum is tax-free. The other 40% MUST go to an annuity. The annuity rates today (~6%) make a strong case for maxing the lump-sum at 60 even if it triggers re-balancing elsewhere.

Quarterly fireside next Friday — Anand Sridharan from Nalanda Capital is sharing his personal money playbook. Recorded for those who can't make it. Save the date.

If your Form 26AS shows TDS your employer never reflected on Form 16, that's free money sitting at the IT department. Here's how to claim it before July 31.

ELSS fund in lock-in still since 2019? You can redeem now without exit load. The tax-saving benefit is already realised — keeping it is a default, not a decision.

Yash — does this apply to ELSS bought via SIP? My CAS shows installments from 2019, 2020, 2021. Each tranche has its own 3-yr clock right?

Exactly — each SIP unit has its own 3-yr lock-in. Sajag tags each tranche separately so you see which ones are unlocked. Look at the CAS view → ELSS row.

PSA: If you're paying 36% APR on a credit card while running a SIP at 12% expected return, the math says you're losing ~24% a year on the spread. Worth running the numbers — Sajag flags this as a Critical finding.

Did this two months ago after the dashboard yelled at me. Cleared ₹2.1L on a HDFC card. Restarted my SIP last week. The math feels different on the other side.

NPS exit at 60: 60% lump-sum is tax-free. The other 40% MUST go to an annuity. The annuity rates today (~6%) make a strong case for maxing the lump-sum at 60 even if it triggers re-balancing elsewhere.

Quarterly fireside next Friday — Anand Sridharan from Nalanda Capital is sharing his personal money playbook. Recorded for those who can't make it. Save the date.