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Hi, I'm Rahul Saluja
BNY · CFA Level II Cleared

Most investors aren’t short on options — they’re short on a framework to evaluate them.

I write about investing, personal finance, and Indian markets through an analytical lens — simulations, stress-tests, and Python-powered research tools instead of narratives and gut feel. My focus is helping everyday investors think more clearly about money.

Numbers over noise. Frameworks over products. Clarity over complexity.

Researching out loud — one thoughtful post at a time.

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For Every ₹100 in Bank Deposits, Indians Now Hold ₹29 in Mutual Funds

For every ₹100 sitting in an Indian bank account, ₹28.5 is now in mutual funds. Six years ago, that number was just ₹16. That single shift tells you more about how India’s money mindset has changed than any headline ever could. But it doesn’t tell you where the money is going — and that’s where the story gets interesting. I pulled six years of AMFI data (FY20 to FY26) and broke down every rupee. The numbers paint a clear picture: India isn’t just investing more — it’s investing very differently than it used to. ...

May 16, 2026 · 8 min