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, […]

By Ashok Prasad, Founder, Niyyam Published: July 2026 Should you stop your SIP during a market crash? It is one of the most common questions investors ask whenever stock markets witness sharp declines. Understanding how SIPs work during market volatility can help you make informed investment decisions instead of reacting emotionally. Every market crash creates […]

By Ashok Prasad, Founder, Niyyam Published: July 2026 Introduction Financial Planning for Young Professionals is one of the most important life skills in today’s economy. Whether you have just started your first job or have been working for several years, following a structured financial roadmap can help you build wealth, achieve financial security and make […]

By Ashok Prasad, Founder, Niyyam Published: June 2026 Introduction Why saving money feels impossible in 2026 is one of the biggest financial concerns for salaried professionals, business owners, freelancers, and young families across India today. Have you ever received a salary hike and felt excited for a few weeks, only to realize a few months […]

By Ashok Prasad, Founder, Niyyam Published: June 2026 Introduction An Emergency Fund is one of the most important yet overlooked parts of financial planning. Many investors are eager to start SIPs and mutual fund investments but often ignore the need to build emergency savings first. They start investing before building an emergency fund. Life is […]

By Ashok Prasad, Founder, Niyyam Published: June 2026 Introduction A salary hike will not make you wealthy. This statement may sound surprising, but it is one of the most important lessons in personal finance. Many professionals assume that higher income automatically leads to wealth creation, but the reality is very different. A higher salary can […]

By Ashok Prasad, Founder, Niyyam Published: June 2026 Introduction Imagine waking up tomorrow morning and checking your phone. There is no salary credit notification. No bonus. No reimbursement. No incentive. No income. But your life continues exactly as before. Your home loan EMI is still due. Your rent still needs to be paid. Your children’s […]

By Ashok Prasad, Founder, Niyyam Published: May 2026 The Financial Question Most Indians Avoid Until It Is Too Late Introduction If You Lose Your Job Tomorrow, how many months can you survive without a salary? Most people never ask themselves this question until they are forced to. In today’s uncertain economic environment, understanding how long […]

By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Salary Rich Wealth Poor is becoming one of the biggest financial realities in modern urban India. Salary Rich Wealth Poor is becoming one of the biggest financial realities in modern India in 2026. Across cities like Bangalore, Hyderabad, Pune, Gurgaon, Chennai, and Mumbai, thousands of professionals […]