Pulak 
Two Questions Before Any Investment Advice Every time a colleague stops me in the corridor and asks where to invest their money, I never answer immediately. You might also have the same question, how to invest your PSU salary. I ask two questions first. First — how much can you actually set aside every month … Read more
It Feels Like Another EMI. I Did It Anyway. Yesterday I set up two fortnightly SIPs. ₹500 fortnightly in ICICI Prudential Nifty Next 50 Index Fund — Direct Growth. ₹500 fortnightly in Motilal Oswal Nifty Smallcap 250 Index Fund — Direct Growth. Total: approximately ₹2,000 per month. First payments already made. Next due date: 15th … Read more
I Want to Tell You Something Nobody in Personal Finance Will Admit Most personal finance blogs are written by people who got everything right. They started their SIP at 22. They never touched F&O trading. They maxed their PPF every year. They retired early and now teach others how to do the same. Good for … Read more
Wait for Form 16 — Everything Starts Here Every ITR filing season starts with one thing — waiting for Form 16. And with this the question arises, How to file ITR ? Form 16 is the document your employer issues after the financial year ends. It contains everything the Income Tax Department needs to know … Read more
The Fact That Surprised Me After 11 Years I have been a PSU employee for 11 years. I checked my salary slip every month. But one fact about my PF took years to actually sink in. My employer contributes 12% of my Basic Pay toward PF every month — matching my own contribution exactly. I … Read more
Why Your Salary Slip Is the Most Important Document You’re Ignoring Every month, without fail, your salary slip lands in your inbox or on your ESS portal. And every month, most PSU employees do one of two things with it — check the net pay figure at the bottom, or download it and forget it … Read more
The Question I Get Every January Every January, without fail, my phone starts ringing. Colleagues from my department, juniors from other units, sometimes even seniors with more years of service than me — all calling with the same question: “Which tax regime should I choose, old or new?” The question comes every year because our … Read more
What My Salary Actually Looks Like (Most PSU Employees Don’t Know This) My April 2026 payslip shows a gross salary of ₹ 67,000. But the money that actually lands in my Bank account? ₹ 44,000. That ₹ 23,000 gap is the first thing that shocks most new PSU joiners — including me when I started … Read more