By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Financial stress in Bangalore tech industry is becoming one of the biggest hidden problems in 2026. Despite high salaries, premium lifestyles, and rapid career growth, many Bangalore tech employees are silently struggling with rising expenses, layoffs, EMIs, taxes, lifestyle inflation, and long-term financial anxiety. On social […]

By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Earning 20-40 LPA in Bangalore sounds financially comfortable on paper. But in reality, many salaried professionals in Bangalore are discovering that a large portion of their income gets consumed by: Despite earning high salaries, many employees still struggle with: Many professionals are shocked when they calculate: […]

By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Over the last few years, Bangalore’s IT ecosystem has gone through a massive transformation. The city that once symbolized unlimited career growth, startup wealth creation, and high-paying tech jobs is now also becoming known for something else: Startup layoffs, job uncertainty, and financial stress. From funded […]

By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Bangalore Techies Retire Before 45 is becoming an increasingly popular financial goal among software engineers, startup employees, and high-income professionals looking for financial freedom and long-term wealth creation. For years, Bangalore’s technology ecosystem has attracted ambitious professionals from across India. The city offers: But at the […]

By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Bangalore Rent 2026 is becoming one of the biggest financial concerns for IT professionals, startup employees, and families living in the city. From Whitefield and Bellandur to HSR Layout and Electronic City, rental costs have increased dramatically over the last few years. Many professionals earning what […]

By Ashok Prasad, Founder, Niyyam Introduction Got ESOP Money from your startup recently? Before spending or investing it emotionally, understand these 7 costly financial mistakes that can silently destroy long-term wealth creation. For many startup employees in Bangalore, Hyderabad, Pune, Gurgaon, and Mumbai, ESOPs were once considered nothing more than “paper wealth.” But over the […]

By Ashok Prasad, Founder, Niyyam Published: May 2026 A 30 LPA salary in Bangalore may look impressive on paper, but in 2026, many professionals still feel financially stressed due to rising living costs and lifestyle inflation. A few years ago, earning ₹30 LPA in India was considered a dream achievement. It symbolized success, financial freedom, […]

By Ashok Prasad, Founder, Niyyam Published April 2026 Introduction If you’re wondering how to invest monthly salary in India, the 50-30-20 rule combined with SIP investing offers a simple and effective strategy. It helps you balance expenses, savings, and long-term wealth creation Many people earn regularly but still struggle to build wealth. The reason is […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund mistakes are one of the biggest reasons why investors fail to achieve expected returns despite investing regularly. Many investors believe that selecting the right fund is the key to success. But in reality, poor decisions, emotional reactions, and a lack of discipline lead to […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund taxation India is one of the most important yet misunderstood aspects of investing. While many investors focus on returns, very few understand how taxes impact their final wealth. However, one critical aspect that remains widely misunderstood is taxation. Mutual fund taxation India depends on […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction A mutual fund portfolio allocation strategy is the foundation of successful investing and long-term wealth creation. Most investors begin by asking: But experienced investors focus on a much more important question: How should I allocate my portfolio? Because over time, one truth becomes clear: Wealth is […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to choose the best mutual fund in India is not just a beginner question—it is one of the most important financial decisions you will make in your entire investment journey. Many investors spend years investing without ever truly understanding how to select the right mutual […]