Insights
Notes
What clients ask us most often, written out properly. No scheme names, no jargon, and the sources at the bottom so you can check the rules yourself.
Balanced Advantage Funds: Equity-Like Returns Without the Sleepless Nights
Over 15 years, the two largest balanced advantage funds beat a Nifty 50 index fund and fell far less in the 2020 crash — a plain-numbers case for risk-averse and older investors.
How Much Term Life Insurance Is Enough? A Guide for HNIs and Business Owners
Is ₹1 crore of term insurance enough? A worked example shows why an HNI family earning ₹80 lakh a year can need ₹11–12 crore of cover, plus how the Married Women’s Property Act protects a policy from a business owner’s creditors.
Buying a New Car? Compare Insurance Before You Accept the Dealer's Quote
Independently arranged car insurance can run 25% or more below a dealer's quotation. A real Tata AIG policy for a ₹20 lakh Kia Carens Clavis EV also shows why a 3+3 own-damage structure can beat the usual 1+3 policy for buyers keeping their car three years or more.
Pre and Post-Hospitalisation Cover: The Claim Most Policyholders Never File
Most health policies pay for the fortnight before admission and the weeks after discharge too, yet this is the reimbursement families miss most often. How the window works, how wide it typically runs, and how it actually gets filed.
The Nifty went nowhere for two years. India didn’t.
Prashant Jain’s September 2026 letter to his investors, in plain numbers: why Indian shares stalled while the economy kept growing, and what has usually come after a stretch like this.
Two Health Insurance Policies, One Missing Letter: A Balance Claim Story
A maternity claim showed me that a cashless approval and a claim settlement letter are not the same thing. If you plan to claim the balance from a second health policy, the gap between the two matters.
Same label, different funds: hybrid long-short SIFs in two market falls
Eleven hybrid long-short SIFs now share one SEBI category. In March 2026, as the Nifty 50 fell 11.3%, the six that were running ended anywhere between a 0.1% gain and a 7.4% loss. Last week’s fall told the same story. The label sets the rules; the risk band tells you how a fund actually behaves.
Two years, 202 claims, ₹1.31 crore paid — and what the data taught us about designing cover
Our group health claims register, opened up: 202 claims across four corporate policies in two years, ₹1.31 crore settled, every decline explained — and the finding that on one policy 32% of approved hospital bills still never reached the families, because of how the cover was designed.
What actually decides whether a health insurance claim gets paid
After ninety-odd health claims a year for two years, the pattern is plain. Outcomes turn on disclosure, the five-year moratorium and room-rent limits, not on what people worry about when they buy the policy.
The ₹10 lakh SIF floor: what SEBI actually wrote
A fall in NAV does not force you out of a Specialised Investment Fund. It does stop you redeeming part of your money. The difference between a passive and an active breach, with the paragraph numbers.
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