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Education & Learning

Education Loans in a Rising-Rate Year (RBI, 7 October 2026): What the Moratorium Really Costs and How Floating and Fixed Compare

Shiv Kukreja·25 October 2026·7 min read

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Personal Finance

Your Personal Inflation Rate Isn’t 5.54% (MoSPI CPI, September 2026): Build It From Three Months of Bills in 20 Minutes

6 min

Personal Finance

After the First Rate Hike in Nearly Four Years (RBI, 7 October 2026): A Four-Rung FD Ladder and the One Debt-Fund Number, Duration, That Shapes Your Next Twelve Months

9 min

Personal Finance

SEBI’s PRIM Route (Portfolio Managers Regulations, 2026): What Paying Up to 1% a Year to Hold Direct Mutual Funds Costs at ₹25 Lakh

9 min

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Personal Finance

Your Personal Inflation Rate Isn’t 5.54% (MoSPI CPI, September 2026): Build It From Three Months of Bills in 20 Minutes

Shiv Kukreja·6 min

Personal Finance

After the First Rate Hike in Nearly Four Years (RBI, 7 October 2026): A Four-Rung FD Ladder and the One Debt-Fund Number, Duration, That Shapes Your Next Twelve Months

Shiv Kukreja·9 min

Personal Finance

SEBI’s PRIM Route (Portfolio Managers Regulations, 2026): What Paying Up to 1% a Year to Hold Direct Mutual Funds Costs at ₹25 Lakh

Shiv Kukreja·9 min

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Personal Finance

The ₹15,000 Cliff (Income-tax Rules 2026): Does Crossing the New Employer-Gift Limit Tax the Whole Gift or Only the Excess?

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GST Phase 1 Starts 1 November (CBIC Oct 2026): What a Small Online Seller Gets (Warehouse Address, 10-Day Acknowledgement, 90% Provisional Refunds) and What Waits Until April 2027

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EPS 2026 Replaces EPS 1995 (Ministry of Labour, 29 June 2026): What Job-Switchers Keep, Lose and Must Decide About the 36-Month Pension Wait

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Check Your October Payslip: The EPF Wage Ceiling Is Now ₹25,000 — Who Pays More, Who Gets Pulled In, and What It Does to Your Pension

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Personal Finance

Your Personal Inflation Rate Isn’t 5.54% (MoSPI CPI, September 2026): Build It From Three Months of Bills in 20 Minutes

MoSPI’s base-2024 CPI rose to 5.54% in September; this worksheet rebuilds inflation from your own bills using official category rates, with two worked households and a real-return check.

Shiv Kukreja·25 October 2026

Personal Finance

After the First Rate Hike in Nearly Four Years (RBI, 7 October 2026): A Four-Rung FD Ladder and the One Debt-Fund Number, Duration, That Shapes Your Next Twelve Months

Following the RBI's 25 bps repo rate hike to 5.50% on 7 October 2026, here is how a 4-rung FD ladder protects liquidity, the exact duration math for debt funds, and the after-tax real return reality.

Shiv Kukreja·25 October 2026

Personal Finance

SEBI’s PRIM Route (Portfolio Managers Regulations, 2026): What Paying Up to 1% a Year to Hold Direct Mutual Funds Costs at ₹25 Lakh

Under the SEBI (Portfolio Managers) Regulations, 2026 effective 1 April 2027, the PRIM route allows managers to run direct mutual fund portfolios from ₹25 lakh for up to 1% a year. Here is the fee drag math, comparison vs DIY, and 7 questions to ask.

Shiv Kukreja·25 October 2026

Personal Finance

BER vs TER (SEBI Mutual Funds Regulations, 2026): Why a Fund’s Expense Ratio Can Look Higher After 1 April Even Though Base Costs Fell

Under the SEBI (Mutual Funds) Regulations, 2026 effective 1 April 2026, the statutory expense cap now applies to Base Expense Ratio (BER), with brokerage and statutory levies unbundled. Here is the math, audit guide, and comparability rules.

Shiv Kukreja·25 October 2026

Technology & AI

Software, gadgets, AI, and the digital future

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Caller Names Appear From 1 November (DoT CNAP Circular, 13 October 2026): What a Verified-Looking Name Can and Cannot Tell You About a “Digital Arrest” Call

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Ankit Kumar Tiwari·25 October 2026

Technology & AI

India's Transformer Moment: Capturing the Global Grid Equipment Shortage

As generative AI data centres, electric vehicle networks, and fast renewable energy adoption push global power grids to their limits, a silent multi-trillion-dollar bottleneck is developing — and Indian manufacturers are best suited to fill the gap.

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Rupee Rails: Who Captures the Economics When UPI Crosses the Border

Domestic UPI is a monetisation-free public good — cross-border UPI corridors have real FX spread economics and the market has not yet priced that difference.

Ankit Kumar Tiwari·4 August 2026

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How to Set Personal Boundaries Without Becoming Harsh: A Practical Workbook

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Track patterns in energy, mood, sleep, movement and social connection without chasing numbers.

Simar Sidhu·15 September 2026

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Career & Work

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Check Your October Payslip: The EPF Wage Ceiling Is Now ₹25,000 — Who Pays More, Who Gets Pulled In, and What It Does to Your Pension

Under Ministry of Labour and Employment Gazette Notification S.O. 5109(E) effective 17 September 2026, the statutory EPF, EPS, and EDLI wage ceiling has jumped from ₹15,000 to ₹25,000 per month—making October 2026 the first full payroll cycle where capped deductions rise by up to ₹1,200 and millions of excluded workers enter the pension net.

Shiv Kukreja·25 October 2026

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Career & Work

You Are Not Being Productive — You Are Anxious, and Notion Is Your Emotional Support App

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The Back-Row Kid Never Really Grew Up

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Your Honest Exit Interview Was Filed Directly Into the Bin

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Simar Sidhu·5 June 2026

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Ground Control: The Investable Layer Beneath India's Space Economy

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Why Millets Are Becoming India's Strategic Food Crop Again 2026

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Aditya-L1 Is Seeing Things No Other Telescope Can. Why Isn't India Talking About It?

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World & Politics

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India–Japan LNG Stockpiling Pact: What Strategic Gas Storage Could Cost, and What the Government Hasn't Said

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World & Politics

India's Capital Gains Tax Exemption for FPI Bond Investors: A Fiscal Subsidy With No Published Cost Estimate

Analyzing India’s capital gains tax exemption for foreign portfolio investors in sovereign bonds: fiscal revenue tradeoffs, index inclusion dynamics, and macro impact.

Shiv Kukreja·4 July 2026

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Vodafone Idea's ₹49,000 Crore Spectrum Payment Wall Is the Cliff That Comes After the AGR Relief Celebration 2026

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Education & Learning

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Education & Learning

Education Loans in a Rising-Rate Year (RBI, 7 October 2026): What the Moratorium Really Costs and How Floating and Fixed Compare

After RBI’s 25 bp hike to 5.50%, a ₹30 lakh floating loan costs ₹73,000 more if interest is capitalised; this guide gives moratorium maths, scheme limits, tax treatment and a lender checklist.

Shiv Kukreja·25 October 2026

Education & Learning

NEET Re-Exam Controversy and the Future of Competitive Exams 2026

How structural failures are testing the endurance of millions and how systemic reforms can restore trust.

Simar Sidhu·5 July 2026

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ASER 2024 Found That 77% of Class 3 Students Can't Read Grade 2 Text. Five Years of NEP Later, Nothing Has Changed

How systemic educational reforms are missing the mark on foundational literacy while traditional administrative inertia leaves our children stranded.

Simar Sidhu·21 June 2026

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Food & Nutrition

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How to Read a Skincare Ingredient List Without Falling for Marketing Claims

A practical guide to order, fragrance, actives, claims and personal tolerance.

Simar Sidhu·28 August 2026

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Why Adding Ghee to Your Roti Might Actually Be Smarter Than Eating It Dry

Why applying traditional ghee on your roti is biochemically superior to eating it dry: glycemic index buffering, micronutrient absorption, and digestive science.

Simar Sidhu·4 June 2026

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The Millet Trap: Why Switching to Jowar / Bajra Won't Automatically Make You Healthier

Why swapping wheat for Jowar or Bajra does not guarantee weight loss or lower blood sugar: caloric parity, goitrogens, and the physiology of the millet trap.

Simar Sidhu·3 June 2026

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How to Patch-Test a New Skincare Product: A Safer Beginner’s Checklist

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Simar Sidhu·27 August 2026

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The Broken Mixer Nobody Throws Away: How Indian Homes Turn Objects Into Graves

How modern consumerism is accelerating our purchases while traditional Indian sentimentality is turning our living spaces into graveyards of the broken and obsolete.

Simar Sidhu·13 June 2026

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Your Sibling Renovated the House. You Are the Only One Grieving a Place That No Longer Exists

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Travel Anxiety Before Your First Solo Trip: A Preparation Guide That Does Not Promise Fearlessness

Planning tools to make uncertainty smaller while leaving room for real emotions.

Simar Sidhu·13 September 2026

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Travel & Places

How to Plan a Restorative Trip: The Anti-Itinerary for Travellers Who Need Actual Rest

A planning method that balances experiences, logistics, sleep, and unstructured time.

Simar Sidhu·5 September 2026

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City Break or Nature Break? Choose a Trip Format Based on the Rest You Need

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Simar Sidhu·5 September 2026

OneMint — India's Most Trusted Knowledge Platform

Education Loans in a Rising-Rate Year (RBI, 7 October 2026): What the Moratorium Really Costs and How Floating and Fixed Compare

Your Personal Inflation Rate Isn’t 5.54% (MoSPI CPI, September 2026): Build It From Three Months of Bills in 20 Minutes

After the First Rate Hike in Nearly Four Years (RBI, 7 October 2026): A Four-Rung FD Ladder and the One Debt-Fund Number, Duration, That Shapes Your Next Twelve Months

SEBI’s PRIM Route (Portfolio Managers Regulations, 2026): What Paying Up to 1% a Year to Hold Direct Mutual Funds Costs at ₹25 Lakh

Personal Finance

Your Personal Inflation Rate Isn’t 5.54% (MoSPI CPI, September 2026): Build It From Three Months of Bills in 20 Minutes

After the First Rate Hike in Nearly Four Years (RBI, 7 October 2026): A Four-Rung FD Ladder and the One Debt-Fund Number, Duration, That Shapes Your Next Twelve Months

SEBI’s PRIM Route (Portfolio Managers Regulations, 2026): What Paying Up to 1% a Year to Hold Direct Mutual Funds Costs at ₹25 Lakh

BER vs TER (SEBI Mutual Funds Regulations, 2026): Why a Fund’s Expense Ratio Can Look Higher After 1 April Even Though Base Costs Fell

Technology & AI

Caller Names Appear From 1 November (DoT CNAP Circular, 13 October 2026): What a Verified-Looking Name Can and Cannot Tell You About a “Digital Arrest” Call

India's Transformer Moment: Capturing the Global Grid Equipment Shortage

Rupee Rails: Who Captures the Economics When UPI Crosses the Border

Health & Wellness

How to Set Personal Boundaries Without Becoming Harsh: A Practical Workbook

Wellness Claims on Social Media: How to Read Before-and-After Photos, Testimonials and “Natural” Labels

The Onemint Wellness Field Guide: Small Everyday Rituals You Can Learn From Travel

A Simple Wellness Dashboard: Five Signals to Notice Without Turning Life Into a Score

Career & Work

Check Your October Payslip: The EPF Wage Ceiling Is Now ₹25,000 — Who Pays More, Who Gets Pulled In, and What It Does to Your Pension

You Are Not Being Productive — You Are Anxious, and Notion Is Your Emotional Support App

The Back-Row Kid Never Really Grew Up

Your Honest Exit Interview Was Filed Directly Into the Bin

Science & Space

Ground Control: The Investable Layer Beneath India's Space Economy

Why Millets Are Becoming India's Strategic Food Crop Again 2026

Aditya-L1 Is Seeing Things No Other Telescope Can. Why Isn't India Talking About It?

India Has 7,500 Glacial Lakes and an Early Warning System That's Largely Still on Paper

World & Politics

India–Japan LNG Stockpiling Pact: What Strategic Gas Storage Could Cost, and What the Government Hasn't Said

India's Capital Gains Tax Exemption for FPI Bond Investors: A Fiscal Subsidy With No Published Cost Estimate

Vodafone Idea's ₹49,000 Crore Spectrum Payment Wall Is the Cliff That Comes After the AGR Relief Celebration 2026

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How to Read a Skincare Ingredient List Without Falling for Marketing Claims

Why Adding Ghee to Your Roti Might Actually Be Smarter Than Eating It Dry

The Millet Trap: Why Switching to Jowar / Bajra Won't Automatically Make You Healthier

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How to Patch-Test a New Skincare Product: A Safer Beginner’s Checklist

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Travel Anxiety Before Your First Solo Trip: A Preparation Guide That Does Not Promise Fearlessness

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