Frictionless In, Frozen Out: Auditing a Digital Lender's Controls From the Wrong Side of the Inbox
1. The Hook: Thirty-Six Minutes In Part 1 I walked through the price of a ₹15,000, 17-day loan that was signed in someone else's name u...
The 701% Inbox: What a Mis-attached Email Taught Me About "Instant" Credit
1. The Hook: A Loan I Never Took On 8 July 2026, a company called Bharat Loan emailed my personal address to thank me for my "emergency...
The Battery-as-a-Service Illusion: A Financing Decision in Disguise
Frameworks · Personal finance · 11 min read The showroom called it a technology feature. My spreadsheet called it a loan with no end date. H...
Twenty Years of Going Direct: What the Math Says About Mutual Fund Commissions
Most people I know found Direct Plans in the last few years, through an app. My own route was older and clunkier: paper forms and cheques, s...
Myth of 9.1% assured return in Assured Annual Income Plan (Rejoinder)
Rejoinder: What a Reader's Pushback Taught Me About the Assured Income Plan — And Why the Conclusion Still Holds A post I wrote earlie...
National Pension System (NPS)
National Pension System (NPS) [yes it is system and not scheme] is a defined contribution based Pension Scheme launched by Government of In...
Mutual Fund–Our Way
Why Monthly SIPs Feel Broken in a Market That Changes Its Mind Daily — And the Framework I Built Instead Here's the uncomfortable trut...