Author: Dr. Sneha Kulkarni
Dr. Sneha Kulkarni
Dr. Sneha Kulkarni holds a Ph.D. in Financial Economics and is a Certified Financial Planner (CFP) with over 11 years advising retail investors on sovereign savings, tax optimization under Section 80C, and retirement strategies. Her research covers Public Provident Fund (PPF), National Pension System (NPS), Sukanya Samriddhi Yojana (SSY), and Senior Citizen Savings Schemes.
Comprehensive 2026 guide to the National Pension System (NPS). Learn PRAN generation, Section 80CCD(1B) Rs 50K tax benefit, D-Remit same-day NAV, and 60% tax-free exit rules.
Comprehensive 2026 guide to Sukanya Samriddhi Yojana (SSY). Learn the 8.20% interest rate, 15-year deposit rules, 21-year maturity, and Section 10(11A) EEE tax benefits.
Comprehensive 2026 guide to Senior Citizen Savings Scheme (SCSS). Learn the Rs 30 lakh limit, 8.20% interest rate, quarterly payout rules, Form 15H, and tax benefits.
Comprehensive 2026 guide to Recurring Deposits (RD) in India. Learn IBA maturity compounding formulas, Post Office RD rules, bank interest rates, and TDS thresholds.
Comprehensive 2026 comparison of bank fixed deposit rates in India. Learn DICGC Rs 5 lakh insurance rules, TDS thresholds, Form 15G/15H, and FD laddering strategies.
Comprehensive 2026 comparison of PPF vs NPS vs ELSS. Learn Section 80C deductions, exclusive Section 80CCD(1B) Rs 50K limit, lock-in rules, and EEE tax benefits.
Discover important government savings and assistance schemes explained for beginners. Learn how to build financial security using public programs.
Master how to apply for government schemes and track application status efficiently with this comprehensive, expert-backed guide for eligible citizens.
Discover how to check eligibility for government financial schemes in India with this comprehensive guide covering portals, documentation, and steps.
Discover practical ways to save money and prepare for unexpected expenses with expert strategies, actionable budgeting tips, and financial safety nets.