Hi, I'm Somesh Renganathan. I'm a low code consultant by profession, and blogging is my hobby. This site is where I write about personal finance for people in India: investing, retirement planning, tax, and the financial instruments most of us use, such as mutual funds and fixed deposits. I also write about SaaS Applications, which is my day job.
What I write about
- Personal finance and investing: SIPs, mutual funds, asset allocation and building long-term wealth.
- Retirement planning: NPS, PPF, EPF and how to combine them with equity.
- Income tax in India: legal ways to reduce your tax beyond Section 80C.
- Financial freedom: how much is enough, and how to get there.
Why I started this blog
Blogging as a hobby.
My background
A normal middle class Indian.
How I write
I explain concepts in plain language with worked numbers, and I update posts when rules or figures change. Each post shows when it was last updated. If you spot an error, please tell me and I'll correct it.
Disclaimer
I am not a SEBI-registered investment adviser. Everything on this site is for education only and is not personal financial advice. Please consult a qualified adviser before making investment decisions.
Microsoft Power Platform Learning Resources
NPS vs PPF vs Equity: Plan Your Retirement in India
Annual Financial Review: Why You Need One
Sankaran Naren’s Investment Strategy: Key Lessons