The Financial Circle

For most new traders, the stock market looks simple—buy at a lower price, sell at a higher price, and book profits. But in reality, the amount you take home is shaped by something far less visible: the actual cost of trading. Every trade involves multiple charges, taxes, and hidden fees that quietly reduce your…

With more investors exploring different brokers, platforms, and investment strategies, it’s become increasingly common to maintain multiple Demat accounts. While there’s nothing illegal about it, many investors overlook the tax and compliance aspects that come with holding more than one account. Let’s understand the rules, benefits, and potential tax implications of managing multiple Demat…

Global investing is no longer reserved for high-net-worth individuals. In 2025, even average Indian investors are increasingly exploring opportunities abroad — whether in US stocks, global ETFs, or international mutual funds. Diversifying globally can reduce risk and enhance long-term returns, but it also brings specific tax and reporting obligations that must not be ignored.…

Introduction Budgeting is the backbone of financial stability. But with rising living costs, new spending patterns, and digital financial tools, traditional methods need a 2025 upgrade. Two popular budgeting approaches — the 50/30/20 rule and Zero-Based Budgeting (ZBB) — offer very different ways to manage money. Let’s explore how each works and which one…

For most people, the idea of being completely debt-free sounds ideal — no EMIs, no interest payments, no financial stress. It’s often seen as the ultimate sign of financial success. But in reality, not all debt is bad. Some forms of borrowing can actually help you grow wealth, achieve long-term goals, and improve your…

When you sell a long-term investment such as debt mutual funds, bonds, or real estate, you may have to pay tax on the profit earned. However, there’s a legitimate way to reduce this taxable amount — through indexation. This simple yet powerful concept can significantly cut your capital gains tax if used wisely. What…