Articles
203 articles across wealth, budgeting, credit, taxes, systems, and business — built around trade-offs, not quick fixes. Newest first; this page lists 1–30.
Jio IPO Shareholder Quota: Is One Reliance Share Worth Buying Before the Record Date?
The Jio IPO reserves shares for Reliance shareholders. I ran the numbers on buying one RIL share before the record date: cost, odds, past quotas, risks.
PPF Interest Rate October 2026: Will PPF Rate Increase? New PPF Rate, SCSS, SSY & NSC Rates Explained
PPF interest rate October 2026: will it rise? I ran the government's own G-sec formula numbers first for PPF, SSY, SCSS and NSC, and what a change touches.
Mutual Fund Types in India: Sort Them by When You Need the Money
When you need the money back decides the fund type, as it decides every rupee at our mill. Equity, index, debt, hybrid and arbitrage funds by horizon.
Budgeting by Life Stage in India: Plan for the Lean Months
Our rice mill's income comes by the season, so I plan for the lean month. The base every stage shares, then your 20s, 30s, a wedding, a baby and retirement.
Budgeting Methods Compared: Which One Survives a Bad Month
I build this site's budget calculators and run a seasonal business. 50/30/20, zero-based, envelope and conscious spending budgets, compared in rupees.
How I Run a Rice Mill's Cash Credit Account: Drawing Power and Seasons
I run the working capital of our family's rice mill on a bank cash credit account. Drawing power vs sanction, seasonal peaks, daily interest and renewal.
Insurance Required for a Cash Credit Limit, Seen From a Rice Mill
A rice mill's stock peaks right after paddy procurement. Which insurance a cash credit sanction expects, the bank clause, sum insured, and gaps at claim time.
GECL, ECLGS and CGTMSE: Who Lends, Who Guarantees, and What I'd Ask
Who lends and who guarantees under ECLGS/GECL and CGTMSE, how the fee works, and why a guarantee is no subsidy, from someone who runs a mill's cash credit.
Cash Credit Loan Documents in India: Checklists and Our Renewal File
Renewal prep at our rice mill starts 60 to 90 days out. The documents banks want to sanction, renew, enhance or take over a cash credit, in four checklists.
Cash Credit Renewal, Limit Enhancement and NPA Risk: How We Prepare
We start preparing our mill's cash credit renewal 60 to 90 days out. How renewal and enhancement work, what SMA and NPA really mean, and what banks check.
Business Credit Rating and CC Interest Rate: Conduct Sets the Rate
At our rice mill, interest paid after month-end has cost us our rating. How CIBIL MSME Rank, bank ratings and account conduct shape cash credit pricing.
Stock Statement for Cash Credit: Drawing Power From the Godown Up
Our rice mill's drawing power is set by a monthly stock statement. How to prepare one: eligible stock, margin, debtor ageing, and the mistakes that shrink DP.
Cash Credit Account in India: What Our Rice Mill's Limit Taught Me
I manage the cash credit that carries our rice mill through each season. How a CC limit works: sanctioned limit vs drawing power, daily interest and renewal.
Cash Credit vs Overdraft vs Term Loan: Why Our Mill Keeps Them Apart
Our rice mill bought its machinery in cash, never on its cash credit. CC, OD, dropline OD and term loans compared: security, pricing, renewal and what fits.
How Banks Calculate a Cash Credit Limit: The View From a Rice Mill
A rice mill's year has one sharp peak, which is why flat formulas mislead. How Indian banks size a cash credit limit: turnover, operating cycle and margin.
Does Anant Ambani Have Less Control? A Second-Generation Owner's Read
I'm the second generation in a family business. Reliance's succession plan, read from filings: what Anant, Akash and Isha hold, and what isn't public.
Kisan Credit Card Guide 2026: What I See From the Input Counter
We supply farm inputs on credit until harvest, so I see crop credit from the counter. KCC 2026: eligibility, limit, real rate after subvention, how to apply.
Kisan Credit Card vs Kisan Gold Scheme: The Question I'd Ask First
I supply farmers with seed and fertiliser. KCC vs Kisan Samriddhi Yojana comes down to how fast the money comes back: crop money or a land-backed loan.
Kisan Gold Scheme: The Numbers I'd Run Before Mortgaging Land
We buy paddy from farmers and sell them inputs, so I read this PNB loan as what it is: a mortgage on farmland. Limits, rate, documents and the risks.
Business Compliance Records: How to Organise Them Before Anyone Asks
A renewal file works only if every document in it can be found. How to organise registrations and licences: folders, one tracker and backups in two places.
Business Document Checklists by Business Type: Why Ours Needs Three
Our business mills paddy, trades it and sells farm inputs, so three checklists apply. Pick yours by structure and activity, then check the two most missed.
Business PAN, Personal PAN, TAN and GSTIN: The Numbers I Keep Straight
A business's identity lives in a few numbers the bank, the CA and GST all read. Which PAN a proprietor uses, when you need a TAN, and how a GSTIN is built.
Business Registrations and Licences in India: A Rice Mill Owner's Map
A business that mills paddy and sells seed and fertiliser meets every layer of Indian regulation. My map of ~15 registrations, and which ones apply to you.
Central vs State vs Municipal Business Approvals: The View From a Mill
A rice mill with an input counter answers to Delhi, Dehradun and the local body at once. Which approvals are central, state or municipal, and why they differ.
Consent to Establish vs Consent to Operate: A Rice Mill Walkthrough
A rice mill's pollution category turns on whether it parboils. How Red, Orange, Green and White decide what you need, and why CTE comes before the machinery.
Documents Required for an Agricultural Trader, From the Paddy Yard
I grew up around paddy yards; today our business trades paddy and supplies farm inputs. What an agricultural trader needs: mandi licences, scales and GST.
Documents Required Before Starting a Business: The Order I'd Follow
I didn't start our business; my father did. If I opened an input shop tomorrow, this is my order: what to settle before day one, in month one, and later.
Documents Required for a Manufacturing Business, Using a Rice Mill
A rice mill is a factory: paddy in, rice, bran and husk out. What a manufacturing unit needs, from factory licence and pollution consent to EPFO and FSSAI.
Documents Required for a Retail Shop in India: The Input Counter Case
A kirana and a seed and fertiliser counter share one list; the counter adds three licences. What a retail shop needs beyond GST, seen from the input trade.
EPFO Registration: The 20-Employee Threshold and Why It's One-Way
In a seasonal business the EPFO rule to watch is the one-way trigger: cross 20 employees once and coverage stays. Who counts, what changed in November 2025.