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Personal Finance and investing moneyminute.substack.com

Sep 28

Algo trading: तेज़ automation या तेज़ losses?

Adib Noorani greeted your writer pleasantly a few weeks ago at the Global FinTech Fest in Mumbai. He is based in Surat and creates algorithm-based strategies for investors. Stockbrokers like 5paisa.com plug his application programming interfaces (APIs) into their systems. He explains in Hindi that you need to be careful when trading with algo strategies. Also read: This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Sep 25 · Bonus

How your phone typing habits could be your identity

The Global Fintech Fest is held every year in Mumbai to spark innovation. Finance and technology merged long ago, and now it's time for smart innovations that could make your financial life simpler. While there are many ways to find the right direction for your savings and investments, trust and security are key. Pranjal Soni, an IIT Guwahati student, pitched her unique identity solution to banks during the event two weeks ago. You may be surprised to learn that the way you type on your smartphone can actually create your unique identity. She explains to MoneyMinute enthusiastically. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Sep 11 · Bonus

Are bonds better than fixed deposits

Your Demat account could allow you to invest in corporate and government bonds. Just like you buy or sell shares, you can buy or sell bonds. Globally, the size of equity and bond markets is similar in market value. In India, equity markets are more popular. Among all financial assets you own, fixed deposits are a preferred choice. Vishal Goenka, co-founder at IndiaBonds speaks in favour of bonds. In the crowded space where everyone talked mostly equity at #GFF 2026, Mr Goenka was standing up for bonds. He believes you can get better returns for your idle money in fixed deposits. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Sep 11

Why you should not stop your SIP, Vetri Subramaniam of UTI Mutual Fund explains

You are actively investing through systematic investment plans. But the same industry data also shows you aren't holding on long enough. About 69% of all mutual funds are stopping their SIPs before 5 years. That is a problem the mutual fund industry has been trying to solve for years. “Volatility is not a bug but a feature of the market. You have to stay invested long enough to benefit from compounding,” argued Vetri Subramaniam, CEO of UTI Mutual Fund. While everyone knows the method and formula, you are chasing the wrong parameters. Listen to these words from a veteran of the fund management industry. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Sep 5 · Bonus

Why savers must move to investing

If you are GenZ, you may wonder what frightens your parents about investing. You have probably tested the waters already or are an active investor or trader. It is time to unlock value from physical assets and make them work for you to meet your long-term goals. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Sep 2 · Bonus

India GDP growth is good, but how can it be great?

The debate over India's GDP growth rages. The India story needs to move from good to great. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Jul 29

इंश्योरेंस, क्लेम और AI का भविष्य

Money Minute’ के इस एपिसोड में ‘Insurance Samadhan’ की Co-Founder & COO शिल्पा अरोड़ा के साथ बातचीत हुई, जिसमें उन्होंने इंश्योरेंस सेक्टर की जमीनी समस्याओं और AI के जरिए मिलने वाले समाधानों पर महत्वपूर्ण विचार साझा किए। मुख्य बातें (Key Takeaways): * जल्दबाजी और अज्ञानता की समस्या: अधिकांश भारतीय पॉलिसीहोल्डर्स इंश्योरेंस खरीदते समय जल्दबाजी करते हैं। लोग केवल प्रीमियम और सम एश्योर्ड (Sum Assured) देखते हैं, लेकिन पॉलिसी के ‘Fine Print’, एक्सक्लूजन्स और रूम रेंट कैपिंग जैसी शर्तों को नजरअंदाज कर देते हैं, जिससे क्लेम के समय दिक्कतें आती हैं। * प्रपोजल फॉर्म की अनदेखी: लोग प्रपोजल फॉर्म को खुद भरने के बजाय एजेंट्स के भरोसे छोड़ देते हैं या बिना पढ़े साइन कर देते हैं। क्लेम के समय मेडिकल हिस्ट्री छुपाने या अधूरी जानकारी देने से क्लेम रिजेक्ट हो जाते हैं। * ‘Know Your Policy’ और AI का इस्तेमाल: जटिल लीगल भाषा और इंश्योरेंस जार्गन्स को आसान बनाने के लिए AI-संचालित फीचर्स (जैसे ‘Know Your Policy’) पॉलिसी डॉक्यूमेंट को डिकोड करके साधारण भाषा में क्लेम की शर्तें और कवरेज समझाते हैं। * हॉस्पिटल में क्लेम की प्रेडिक्टिबिलिटी: AI मॉडल का उपयोग करके मरीज के अस्पताल में भर्ती होने से पहले ही उसकी पॉलिसी और डॉक्टर के एस्टीमेट का विश्लेषण करके यह अनुमान लगाया जा सकता है कि कितना क्लेम मिलेगा और कितना जेब से देना होगा। * पर्सनलाइज्ड इंश्योरेंस का भविष्य: भविष्य में AI और हेल्थ डेटा (जैसे स्मार्टवॉच/फिटनेस ट्रैकर) के जरिए पर्सनलाइज्ड पॉलिसियों का दौर आएगा। इससे फिट और हेल्दी लाइफस्टाइल जीने वाले लोगों को कम प्रीमियम और हाई-रिस्क प्रोफाइल वालों को इंसेंटिवाइज्ड रेट्स मिल सकेंगे। इंश्योरेंस खरीदते समय जल्दबाजी करने के बजाय सही जानकारी और एआई (AI) टूल्स की मदद लेकर आप भविष्य में होने वाले क्लेम रिजेक्शन के तनाव से बच सकते हैं। This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Jul 16 · Bonus

MoneyMinute in Hindi: Mahengayee naapne ke faayde

महंगाई नापने का सरकारी तरीका अब बदल गया है — बेस ईयर 2012-13 से 2022-23 हो गया है, और अब 957 चीज़ें ट्रैक होंगी, पहले से कहीं ज़्यादा। सोलर-विंड एनर्जी और पहली बार सर्विसेज़ की कीमतें भी शामिल हैं, यानी नेशनल डेटा अब आपके असली घर के खर्च के करीब होगा। रेल किराया बढ़ा, हवाई सफर सस्ता हुआ, और निवेश करना थोड़ा महंगा हो गया। निवेशकों के लिए सबसे बड़ी खबर — नए Input और Output PPI अलग-अलग आएंगे, जिससे कंपनियों का असली मुनाफा समझना आसान होगा। कुल मिलाकर, ये बदलाव आपकी बचत और निवेश की प्लानिंग को ज़्यादा सटीक बनाने की दिशा में एक कदम है। This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Jul 2 · Bonus

Who do you trust for financial advice

Three professionals speak about whom they rely on for financial advice. An expert explains the underlying factors to make a meaningful decision. The key to choosing the right advisor is to identify someone whose job is to advise. Do share your thoughts. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit moneyminute.substack.com/subscribe
Jun 27

How to make sense of RBI monthly bulletin

This is a free preview of a paid episode. To hear more, visit moneyminute.substack.com The #RBIbulletin, published monthly, offers a wealth of information. There is a lot you could learn about managing your #personalfinances. Here is a breakdown to help you connect the dots.

10 Episodes

Personal Finance and investing moneyminute.substack.com

Creator

MoneyMinute
Years Active

2026
Episodes

10
Rating

Clean
Copyright

© Rajas Kelkar
Show Website

MoneyMinute