Jiraaf Blogs

Taxation plays a key role in what you actually earn by investing in bonds. Read on to understand how interest income and capital gains on bonds are taxed in India.   On a weekend, Mr. Financewala met with his close friend, Mr. Budgetbhai, again to check on his new job. However, their conversations quickly turned into discussions around the bond market.  Mr. Financewala walked his friend through concepts like yield, […]

Corporate bond valuation is the process of determining the fair value of a company’s debt instrument in today’s market. This blog covers how bonds are priced, the formula behind valuation, the role of yield to maturity, and the key factors that can shift a bond’s price over time.  When a company needs to raise capital, it typically has two choices: either issue equity […]

From interest rate risk to credit risk, here are the risks that can stand between your bond’s promised return and your actual payout.    In the last chapter, Mr. Financewala learnt how a bond’s yield helps in reflecting the true return he can receive from a bond. But in the process of learning this, he had overlooked one of the most fundamental aspects […]

Gold crossed ~₹1.6 lakh per 10 grams in early 2026, a milestone that reflected just how much the metal had appreciated over the past year. For long-term holders, it was a rewarding run. For those watching from the sidelines, it raised a familiar question: is now the right time to buy in?  The honest answer is that nobody knows. […]

Explore how passive income options can add stability, flexibility, and financial comfort after retirement. This blog breaks down reliable passive income options suited for retirees like you.    Once regular earnings stop, the way money enters your life changes completely. During this time, exploring passive income options becomes useful because it fills the gap left by […]

In the Indian economic landscape of 2026, the traditional definitions of work and financial security have undergone a massive transformation. Today, Indian women are navigating a world where they play multifaceted roles, as high-level professionals in Bengaluru’s tech hubs, creative entrepreneurs in Jaipur’s artisan markets, household CEOs, and lifelong learners. However, with the rising cost of living and […]

Active and passive investing serve different roles, from seeking outperformance to ensuring consistency. Understand how each approach works and how to use them together in your investment journey.  Every investor reaches a point where the question is no longer what to invest in, but how to invest. Should you actively pick up opportunities and aim to outperform, or […]

A core-and-satellite portfolio strategy divides your investments into a stable core allocation and a smaller satellite portion that pursues selective market opportunities. Learn how to structure a Core-and-Satellite portfolio and allocate your investments effectively in this guide.  Not every investment in your portfolio needs to serve the same purpose. Some are meant to protect capital and grow over a long-term horizon, while others help […]

India offers NRIs multiple passive income avenues, from investment-grade bonds and G-secs to dividend-paying equities and income-yielding real estate. Explore the full blog to understand which options align with your risk profile and long-term income goals.  For many NRIs, India remains an emotional anchor; a place of family, familiarity, and long-term connection. But increasingly, it is also becoming a […]