PlanivestFin Research Team
Every calculator, article, and guide on PlanivestFin is produced and reviewed by our research team before it is published.
The PlanivestFin Research Team is a group of finance professionals and technologists with combined experience in Indian equity markets, personal tax planning, fixed income instruments, and financial product research. Our backgrounds span investment analysis, chartered accountancy, and software engineering — with a specific focus on the Indian retail investor context.
We built PlanivestFin because we kept seeing the same problem: Indian salaried employees making financial decisions based on outdated calculators, generic advice, or content written for a different market entirely. We set out to fix that with tools and articles that are accurate, India-specific, and written for people who are not professional investors.
We publish without revealing individual names to maintain the focus on the quality of the work rather than personal branding. What matters is that the information is correct, current, and useful — not who signed it.
Indian Tax Planning
Income Tax Act 2025, Old vs New Regime analysis, Section-wise deduction mapping, ITR filing guidance for salaried employees.
Retirement Planning
NPS, EPF, PPF, and APY — corpus projection, withdrawal rules, PFRDA regulations, and fund manager performance analysis.
Fixed Income & Banking
FD rates across bank categories, RBI monetary policy impact, debt fund comparison, and interest rate cycle analysis.
Precious Metals
Gold and silver investment forms — SGB, Gold ETF, digital gold, physical gold — tax treatment, MCX rate analysis, and long-term return data.
Equity & SIP Investing
SIP return methodology, CAGR vs XIRR, lumpsum vs systematic investing, market cycle behaviour, and behavioral finance for retail investors.
Financial Regulations
SEBI circulars, RBI notifications, EPFO rule changes, and Budget announcements — tracked and explained for the salaried investor.
Every article and calculator on PlanivestFin goes through a consistent research and verification process before it is published.
Regulatory claims are verified against primary sources: SEBI circulars, RBI notifications, PIB press releases, PFRDA guidelines, and official EPFO communications.
Tax calculations are cross-checked against the Income Tax Act 2025 and CBDT notifications — not summarised from secondary sources.
Interest rates, FD comparisons, and market data are sourced from official bank websites and verified financial publications.
We clearly flag information that is based on government announcements but not yet officially notified or implemented.
Time-sensitive articles — FD rate comparisons, tax deadline guides, festival-specific content — are reviewed for accuracy before publication and updated when underlying data changes.
We use multiple AI tools as research assistants for first drafts, but all financial data and regulatory claims are verified by our team against primary sources before publication. We do not publish AI-generated figures without independent verification.
PlanivestFin does not accept payment to feature, recommend, or rank any financial product, fund house, bank, or institution. All comparisons and recommendations reflect our independent analysis of publicly available data.
We do not have a commercial relationship with any mutual fund, insurance company, stockbroker, or financial advisor. Our affiliate relationships, where they exist, are disclosed in our content and do not influence our editorial assessments.
When we make an error — and occasionally we do — we correct it promptly and note the correction in the article. We do not quietly edit articles to hide mistakes.
Corrections and Feedback
If you find an error in any calculator or article, or if a regulatory change has made content outdated, please write to us. We take accuracy seriously and respond to all genuine correction requests.
contact@planivestfin.com