SEBI Registered Investment Advisor | RIA No.-INA000017222

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Personal Finance Blog

Financial Literacy Matters

Latest Articles

Double Taxation Avoidance Agreement

Double Taxation Avoidance Agreement (DTAA) Explained

Earning in two countries? India’s Double Taxation Avoidance Agreement (DTAA) means you don’t pay tax twice. Simple guide for NRIs in USA, UK etc.
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  • 27 minutes read
What is Gilt Mutual Fund

What is Gilt Mutual Fund and How Does it Work? Meaning, Risk and Returns

Learn what is gilt mutual fund, how gilt funds work, their risk and returns, and whether investing in gilt funds suits your long-term investment goals.
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  • 14 minutes read
Digital Gold vs Gold ETF vs EGR

Digital Gold vs Gold ETF vs EGR: Which Gold Investment Actually Works for You?

Find out which Gold Investment option is the right one for you: Digital Gold vs Gold ETF vs EGR. Difference between digital gold and gold
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  • 43 minutes read
New Income Tax Act 2025

New Income Tax Act 2025: What Really Changed for You from April 2026

No, your taxes didn’t go up. No, your 80C isn’t gone. Here’s what the New Income Tax Act 2025 actually changed – and what you
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  • 22 minutes read

Choose A Topic To Dive Deeper:

Financial Planning
Insurance Planning
Mutual Funds
Investment Planning
Loan Management
Tax Planning

All Insightful Articles

Revised Capital Gains Tax On Property Sale

Capital Gains Tax On Property Sale, Relief for Property Owners

Revised Capital Gains Tax On Property Sale has given to property owner. Amendment you must know.
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  • 5 minutes read
tax on mutual fund gains

Budget 2024: Revised Tax on Mutual Fund Gains – FY 2024-25 / AY 2025-26

Learn how your portfolio will impact due to Revised Tax on Mutual Fund Gains for FY 2024-25 / AY 2025-26 (Budget 2024-25)
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  • 6 minutes read
Budget 2024 Highlights

Budget 2024 Highlights: Changes In Income Tax Slab And Capital Gain Tax Rate

Budget 2024 Highlights, Changes In Income Tax Slab And capital gain tax rates.
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  • 2 minutes read
ITR for Salaried Person

ITR for Salaried Person: Which ITR Should I File for FY 2023-24 (AY 2024-25)? 

Choosing the correct ITR Form for salaried individuals can be confusing ITR-1. Learn which ITR for Salaried Person for FY 2023-24.
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  • 10 minutes read
ITR For Capital Gains

Steps To File ITR For Capital Gains (ITR-2 & ITR-3) FY 2023-24

Steps to file ITR 2 & 3 capital gain tax for mutual funds and stocks with screenshots (ITR for Capital Gains ITR-2 & ITR-3).
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  • 8 minutes read
ITR-1-vs-ITR-2

ITR 1 vs ITR 2 Form: Tax Return Filing Guide for Salaried Individual

Understand quickly how to choose the ITR form, ITR 1 vs ITR 2, which is the correct form for your income tax return filing.
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  • 8 minutes read
SaaRthi App by SEBI on Personal Finance for Investors Education

SaaRthi App by SEBI on Personal Finance for Investors Education

SaaRthi App by SEBI (Securities and Exchange Board of India) for Personal Finance allows investors to simplify complex financial concepts.
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  • 2 minutes read
Health Insurance New Rules

11 Health Insurance New Rules by IRDAI in 2024: Must Know!

Stay updated with 11 Health Insurance New Rules by IRDAI in 2024. Master circular on health insurance published.
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  • 4 minutes read
Online KYC For Mutual Fund

Update Online KYC For Mutual Fund Existing Investors

Learn how to hassle-free update Online KYC for mutual fund, just in 10 minutes.
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  • 8 minutes read

About Author

Salma Sony

"My focus is on my client, not on selling financial products."

Hello, I'm Salma!

I’m a SEBI Registered Investment Adviser (RIA No.:INA000017222) & Certified Financial PlannerCM (FPSB No.: 60832) with 15 years of experience in the financial industry, aiming to improve India’s financial literacy and enable people to learn about financial planning in the most simplified way.

I started creating content on my YouTube channel to build financial awareness and later began writing articles. So far, I have published 100+ articles on personal finance.

My intention in writing articles was to simplify complex money matters step by step so that readers, when needed, can take time to absorb the concepts and take charge of their financial journey confidently. My articles aim to simplify money matters and offer readers practical insights on budgeting, investments, debt management, and financial planning – all backed by my professional expertise and real-world experience.

  • My Mission: To impact individuals and families by helping them grow their net worth and live the lifestyle they desire by achieving all their financial goals using financial planning.
  • My Vision: To advise individuals and families to achieve financial wellness and peace of mind.
  • By Profession: I offer 360° structured fee-only financial planning and advisory services. I work jointly with individuals like you, helping simplify your personal finances with goal-based planning; this results in more savings, better investing, and a debt-free life for your secured financial future.

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