MintByte Editorial
Pieces from the MintByte editorial desk — research notes, weekly roundups and the bigger thematic deep dives that the team writes together. Every claim is sourced and reviewed before publication.
Returning NRI Tax Treatment (RNOR Transition + Asset Re-Domiciliation)
When an NRI returns permanently to India, residency transitions through RNOR status for up to 2 financial years — foreign income stays exempt while Indian incom
Schedule FA (Foreign Asset Disclosure in ITR)
Mandatory ITR schedule for resident Indians and RNORs to disclose all foreign assets held during the calendar year — non-disclosure attracts up to 7-year impris
NRI PMS (NRI Portfolio Management Service)
A SEBI-licensed, directly-held investment service for NRIs with minimum Rs 50 lakh ticket under SEBI Portfolio Managers Regulations 2020, accessible via the RBI
IFSC Code (Indian Financial System Code)
An 11-character RBI-assigned alphanumeric code identifying a bank branch in India's NEFT/RTGS payment network — mandatory for all domestic and NRI inward remitt
GIFT City (Gujarat International Finance Tec-City)
India's first operational IFSC SEZ in Gandhinagar — governed by IFSCA Act 2019 — where NRIs can invest in USD-denominated instruments outside the FEMA restricti
Non-Repatriable Funds
Funds held in India — primarily NRO balances and NRO-funded investments — that cannot be freely remitted abroad; repatriation is capped at USD 1 million per fin
Repatriable Funds
Funds held in India that can be freely remitted abroad without RBI approval or monetary cap — primarily NRE account balances, FCNR(B) proceeds, and investments
Real Estate vs Equity Mutual Funds: A Long-Term Comparison
Reviewed by MintByte Editorial · Fact-checked by MintByte Research Desk · Reviewed May 30, 2026 Methodology — How we picked these This l
Best Debt Mutual Fund Categories Explained: SEBI's 16 Buckets and How to Choose
Reviewed by MintByte Editorial · Fact-checked by MintByte Research Desk · Reviewed May 30, 2026 Methodology — How we picked these This l
Tax-Free Bonds in India 2026: IRFC, NHAI, REC and the Secondary-Market Reality
Bonds Tax-Free Bonds in India 2026: IRFC, NHAI, REC and the Secondary-Market Reality Reviewed by MintByte Editorial · Fact-checked by MintByte Resea
Corporate Bonds vs G-Secs: A 2026 Guide for Indian Investors
Bonds Corporate Bonds vs G-Secs: A 2026 Guide for Indian Investors Reviewed by MintByte Editorial · Fact-checked by MintByte Research Desk ·&n
Gold Loan vs Personal Loan: When to Choose Which in 2026
Commodities Gold Loan vs Personal Loan: When to Choose Which in 2026 Reviewed by MintByte Editorial · Fact-checked by MintByte Research Desk ·
Silver ETFs in India: The 2026 Investor Guide
Commodities Silver ETFs in India: The 2026 Investor Guide Reviewed by MintByte Editorial · Fact-checked by MintByte Research Desk · Revi
How to Invest in Gold in India 2026: SGB, ETF, Digital, MF, Physical
Commodities How to Invest in Gold in India 2026: SGB, ETF, Digital, MF, Physical Reviewed by MintByte Editorial · Fact-checked by MintByte Research
SGB vs Gold ETF vs Physical Gold: 2026 Decision Guide for India
Commodities SGB vs Gold ETF vs Physical Gold: 2026 Decision Guide for India Reviewed by MintByte Editorial · Fact-checked by MintByte Research Desk
Repatriable vs Non-Repatriable Investment for NRIs: The Definitive Guide
mutual-funds Repatriable vs Non-Repatriable Investment for NRIs: The Definitive Guide Reviewed by MintByte Editorial · Fact-checked by MintByte Rese
Power of Compounding Examples: 7 Real Scenarios Indian Investors Should See
investing Power of Compounding Examples: 7 Real Scenarios Indian Investors Should See Reviewed by MintByte Editorial · Fact-checked by MintByte Rese
Compound Interest Calculator India: The Formula Explained for Investors
investing Compound Interest Calculator India: The Formula Explained for Investors Reviewed by MintByte Editorial · Fact-checked by MintByte Research
What is XIRR in Mutual Fund Investing? A Plain-English Guide with Examples
Published by MintByte Research · Last updated 30 May 2026 If you've ever logged into a mutual fund app and seen a return labelled "XIRR" instead of "CAGR", y
SIP vs Lumpsum: Which is Better in 2026? A Data-Driven Comparison
Published by MintByte Research · Last updated 30 May 2026 The SIP vs lumpsum which is better question has a perfectly logical answer in finance theory and
Mutual Fund vs Stock Investment: Which is Right for You in 2026?
Published by MintByte Research · Last updated 30 May 2026 The mutual fund vs stock investment debate has no universal winner. Both are equity-market vehicl
How to Invest in US Stocks from India: A Step-by-step 2026 Guide
Published by MintByte Research · Last updated 30 May 2026 Indian residents and NRIs increasingly want exposure to US-listed companies like Apple, Microsoft,
Top Performing Mutual Funds in India (2026): Category-wise Leaders by 3-Year CAGR
Published by MintByte Research · Last updated 30 May 2026 Finding the top performing mutual funds in India is one of the most common questions for both fir
Reverse Repo Rate — RBI Liquidity Absorption
The reverse repo rate is the rate at which RBI borrows from banks overnight, absorbing surplus liquidity from the banking system. Since 2022, the Standing Depos
Repo Rate — RBI Policy Rate
The repo rate is RBI's primary monetary policy instrument — the rate at which RBI lends overnight funds to banks. Changes to repo rate transmit to FD yields, le
Institutional Flow Roundup — Week of 2026-05-30
Reviewed by MintByte Editorial Team · Fact-checked by MintByte Research Desk · Reviewed May 30, 2026 Tools Run the numbers 100+ calculat
NRI Investing in Indian Mutual Funds: A 2026 Practical Guide
NRI Investing in Indian Mutual Funds: A 2026 Practical Guide If you are a Non-Resident Indian (NRI) and want to invest in Indian mutual funds, you can — but t
Nifty 50 Explained: What It Is, How It Works, How to Invest
Nifty 50 Explained: What It Is, How It Works, How to Invest The Nifty 50 is the most quoted number in Indian finance. It moves the news, anchors business conv
ETF vs Index Fund in India 2026: A Practical Comparison
ETF vs Index Fund in India 2026: A Practical Comparison You want passive exposure to the Nifty 50. You have two ways to get it — buy an ETF on the exchange, o
Equity Savings Fund vs Arbitrage Fund: Which Hybrid Belongs in Your Portfolio?
Equity Savings Fund vs Arbitrage Fund: Which Hybrid Belongs in Your Portfolio? You have a 6- to 24-month horizon, you want better post-tax returns than a debt
Best Stock Screener in India for 2026: A Data-Backed Comparison
Best Stock Screener in India for 2026: A Data-Backed Comparison Most retail investors in India still pick stocks the wrong way — a WhatsApp tip, a TV anchor's
Chapter 6: GIFT City IFSC for advanced NRI investors
← NRI Investing 101 — A Free Course for Non-Resident Indians Chapter 6 of 6 Course progress: 6 / 6 Chapter 6: GIFT City IFSC for advanced NRI investors GIF
Chapter 5: Repatriation rules — USD 1M/FY cap, Forms 15CA/CB
← NRI Investing 101 — A Free Course for Non-Resident Indians Chapter 5 of 6 Course progress: 5 / 6 Chapter 5: Repatriation rules — USD 1M/FY cap, Forms 15C
Chapter 4: NRI tax — TDS, DTAA, and Form 67
← NRI Investing 101 — A Free Course for Non-Resident Indians Chapter 4 of 6 Course progress: 4 / 6 Chapter 4: NRI tax — TDS, DTAA, and Form 67 NRI taxation
Chapter 3: What NRIs can invest in — MFs, stocks, real estate, US via LRS
← NRI Investing 101 — A Free Course for Non-Resident Indians Chapter 3 of 6 Course progress: 3 / 6 Chapter 3: What NRIs can invest in — MFs, stocks, real e
Chapter 2: Account types — NRE, NRO, FCNR, RFC
← NRI Investing 101 — A Free Course for Non-Resident Indians Chapter 2 of 6 Course progress: 2 / 6 Chapter 2: Account types — NRE, NRO, FCNR, RFC The singl
Chapter 1: NRI status — FEMA and Income Tax Act definitions
← NRI Investing 101 — A Free Course for Non-Resident Indians Chapter 1 of 6 Course progress: 1 / 6 Chapter 1: NRI status — FEMA and Income Tax Act definiti
NRI Investing 101 — A Free Course for Non-Resident Indians
← All courses NRI Investing 101 — A Free Course for Non-Resident Indians A 6-chapter, self-paced course for NRIs and PIOs investing in India. Covers reside
Chapter 5: ITR filing — choosing the right form, common pitfalls
← Tax Planning 101 — A Free Course for Indian Investors Chapter 5 of 5 Course progress: 5 / 5 Chapter 5: ITR filing — choosing the right form, common pitfa
Chapter 4: Capital gains — equity, debt, and post-2024 indexation
← Tax Planning 101 — A Free Course for Indian Investors Chapter 4 of 5 Course progress: 4 / 5 Chapter 4: Capital gains — equity, debt, and post-2024 indexa
Chapter 3: 80D + others — health insurance, donations, education loan
← Tax Planning 101 — A Free Course for Indian Investors Chapter 3 of 5 Course progress: 3 / 5 Chapter 3: 80D + others — health insurance, donations, educat
Chapter 2: 80C deductions — PPF, ELSS, NSC, LIC, principal repayment
← Tax Planning 101 — A Free Course for Indian Investors Chapter 2 of 5 Course progress: 2 / 5 Chapter 2: 80C deductions — PPF, ELSS, NSC, LIC, principal re
Chapter 1: Indian tax structure — slabs and regime choice
← Tax Planning 101 — A Free Course for Indian Investors Chapter 1 of 5 Course progress: 1 / 5 Chapter 1: Indian tax structure — slabs and regime choice Per
Tax Planning 101 — A Free Course for Indian Investors
← All courses Tax Planning 101 — A Free Course for Indian Investors A 5-chapter, self-paced course that turns the Indian Income Tax Act from a black box in
Chapter 6: Tax basics — LTCG, STCG, and Indian capital gains
← Investing 101 — A Free Beginner Course Chapter 6 of 7 Course progress: 6 / 7 Chapter 6: Tax basics — LTCG, STCG, and Indian capital gains Tax is the sing
Chapter 4: Mutual funds — categories, NAV, expense ratio
← Investing 101 — A Free Beginner Course Chapter 4 of 7 Course progress: 4 / 7 Chapter 4: Mutual funds — categories, NAV, expense ratio A mutual fund pools
Chapter 2: SIP — how it works, compounding, and common myths
← Investing 101 — A Free Beginner Course Chapter 2 of 7 Course progress: 2 / 7 Chapter 2: SIP — how it works, compounding, and common myths The Systematic
How to Read a Mutual Fund Factsheet: A 5-Step Guide
Every month, every Asset Management Company (AMC) in India publishes a factsheet for each of its schemes. It is the single most useful document an investor has,
SIP Investing Through Market Crashes: A Data-Driven Guide
If you began a Systematic Investment Plan (SIP) in HDFC Top 100 in January 2008 — eight months before Lehman Brothers collapsed and the Nifty fell 60% — what wo
RBI Retail Direct NRI Guide
RBI Retail Direct — NRI Guide NRIs (Non-Resident Indians) and OCIs (Overseas Citizens of India) can directly invest in Indian Government Securities, T-Bills, St
Chapter 3: Asset allocation — splitting equity, debt, and gold by age
← Investing 101 — A Free Beginner Course Chapter 3 of 7 Course progress: 3 / 7 Chapter 3: Asset allocation — splitting equity, debt, and gold by age Asset
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