By Ashok Prasad, Founder, Niyyam Published: October 2026 Introduction Imagine this. You receive an SMS from your bank. ₹50,000 has been debited from your account. You immediately realise that you have been tricked into making a UPI payment. Your first reaction may be panic. Your second may be to call the person who received the […]

By Ashok Prasad, Founder, Niyyam Published: 28th September 2026 Introduction A Mutual Fund Name Change can sometimes surprise investors, especially when an existing scheme suddenly appears under a different name in their portfolio. But a change in the name of a mutual fund does not necessarily mean that your investment itself has changed. For example, […]

By Ashok Prasad, Founder, Niyyam Introduction The financial cost of convenience in modern India is becoming increasingly difficult to ignore. A few years ago, buying groceries meant visiting a store. Ordering food meant calling a restaurant. Booking a taxi meant finding one on the road. Today, many of these activities take less than a minute […]

Technology has made everyday life faster, easier, and more convenient. So why do so many of us still feel that we never have enough time? By Ashok Prasad, Founder, Niyyam Introduction Think about an ordinary day twenty years ago. You might have stood in a bank queue to transfer money. You might have travelled to […]

By Ashok Prasad, Founder, Niyyam Published: September 2026 Introduction NSE IPO 2026 is set to become one of the most closely watched events in India’s capital markets. The long-awaited public listing of the National Stock Exchange of India is attracting significant attention from investors, market participants, and the financial media. But if you are a […]

By Ashok Prasad, Founder, Niyyam Published: September 2026 Introduction ₹3,811 crore of mutual fund money was lying unclaimed as of March 31, 2026. That is a surprisingly large number. But what exactly does “unclaimed mutual fund money” mean? It does not mean that ₹3,811 crore in mutual fund investments has simply disappeared or that investors […]

By Ashok Prasad, Founder, Niyyam Published: August 2026 Introduction AI Job Loss in India is no longer a question limited to technology companies or Silicon Valley. Artificial Intelligence is increasingly changing how Indian companies hire, organise teams, measure productivity, and define the skills they need. For decades, the financial formula for a successful career in […]

By Ashok Prasad, Founder, Niyyam Published: August 2026 Introduction How much money should you keep in your bank account? Your salary gets credited every month. You pay your rent or home-loan EMI, groceries, utility bills, insurance premiums, school fees and other expenses. You may also invest a portion of your income and leave the remaining […]

By Ashok Prasad, Founder, Niyyam Published: August 2026 Introduction Systematic Investment Plans, popularly known as SIPs, have become one of the most widely used methods of investing in mutual funds in India. The concept is simple. Instead of investing a large amount at once, an investor invests a predetermined amount in a mutual fund at […]

Why Every Indian IT Professional Should Build an Emergency Fund Before Increasing Their SIP By Ashok Prasad, Founder, Niyyam Published: August 2026 Introduction Emergency Fund Before SIP has become one of the most searched personal finance topics as Artificial Intelligence changes careers and creates greater financial uncertainty for working professionals. For decades, the financial advice […]

By Ashok Prasad, Founder, Niyyam Published: July 2026 Introduction Starting your first job is an exciting milestone. It marks the beginning of financial independence, professional growth, and the opportunity to build the life you’ve always envisioned. Receiving your first salary often brings a sense of achievement, allowing you to purchase things you’ve wanted, support your […]

By Ashok Prasad, Founder, Niyyam Published: July 2026 Introduction Imagine earning ₹25 lakh per year and still feeling financially stretched at the end of every month. A decade ago, such an income would have been considered a comfortable path towards financial security. Today, for many professionals living in Bengaluru, Mumbai, Delhi NCR, Hyderabad, Pune, Chennai, […]