Artha · by Norafi

Learn money the calm way. India-first guides, tools and news on investing, tax, insurance & the economy. Wealth, and the wisdom for it.

[Artha · by Norafi @arthnora]

Money talk in India is loud. We built something calm.
Meet Artha - an India-first learning centre for money, investing and the economy. Plain English. No hype, no hot tips.
Wealth, and the wisdom for it. Education, never advice.
https://t.co/0rBergpzLz

[Artha · by Norafi @arthnora]

UPI handles nearly half the world's real-time payments.

It also runs at a Rs 18,700 crore annual loss.

Parliament's panel: industry cost Rs 20,700 cr, budget Rs 2,000 cr. Free was always billed to someone.

https://t.co/NfKbt5qgdn

#PersonalFinance #UPI #DigitalPayments

[Artha · by Norafi @arthnora]

SEBI just rewrote the mutual fund rulebook. The most a fund can charge you to exit: 3%, down from 5%. On Rs 1,00,000 redeemed early, that ceiling is Rs 3,000 instead of Rs 5,000. Wait out the window and it is Rs 0.

https://t.co/Lurcq1GrmH

#MutualFunds #PersonalFinanceIndia #SIP

[Artha · by Norafi @arthnora]

RBI Said "No Proposal To Close This Early." Nine Days Later, It Closed It Early.

#India #FCNR #Deposits #Economy

https://t.co/xvTBX2hMoF

[Artha · by Norafi @arthnora]

From 22 Aug, claiming a deceased relative's shares gets simpler.

SEBI: no probate for uncontested claims, one affidavit-cum-NOC, simplified papers to ₹30L, 21-day clock.

Your nominee still does the heavy lifting.

https://t.co/0rBergpzLz

#PersonalFinance #Investing #SEBI

[Artha · by Norafi @arthnora]

Markets wobble. Jobs wobble. Your rent does not.

3-6 months of expenses, parked safe and reachable - the fund that lets you invest without fear.

Education only, never advice.

https://t.co/qwsl24mk5E

#EmergencyFund #PersonalFinance #India #Artha

[Artha · by Norafi @arthnora]

Record-low rupee. Inflation back above target. $52 bn of reserves spent in five months.

One infogram on what's actually stressed in India's economy - and what still holds.

https://t.co/lNReFnbV8k

#India #Economy #Rupee #Inflation

[Artha · by Norafi @arthnora]

India made 2,272 crore UPI payments in June - about 8,800 every second.

Average size: just ₹1,273. Cash hurts to hand over. A QR beep does not - and your month-end balance knows it.

Spending psychology: https://t.co/0rBergpzLz

#PersonalFinance #UPI #MoneyPsychology

[Artha · by Norafi @arthnora]

₹10 lakh in an FD at 6.5%. One year later:
Interest ₹65,000. Tax at 30% slab takes ₹19,500. Inflation at 4.38% eats ₹43,800.
Real gain: about ₹1,700.
Learn what your money actually earns: https://t.co/0rBergpzLz
#PersonalFinance #FixedDeposit #Inflation

[Artha · by Norafi @arthnora]

Oil is above $90. Your wallet already knows.
One infogram on how a costly barrel becomes a costlier month - imports, rupee, prices, EMIs.
Education only, never advice.
https://t.co/mghC0nq6Gy
#Artha #India #Inflation #PersonalFinance

[Artha · by Norafi @arthnora]

Dr Reddy's profit fell 69% in one quarter. Nothing broke - a windfall expired.

One drug's exclusivity ended, and the low P/E built on it vanished. Borrowed earnings only look cheap.

Learn to spot this: https://t.co/0rBergpzLz

#FinancialLiteracy #Investing #StockMarket

[Artha · by Norafi @arthnora]

Your PF interest just landed. EPFO credited 8.25% for FY26 - ₹1.44 lakh crore across 34 crore accounts.

Tax-free 8.25% means an FD must pay ~12% to match it in the 30% slab. Know what your EPF really earns: https://t.co/0rBergpzLz

#PersonalFinance #EPF #RetirementPlanning

[Artha · by Norafi @arthnora]

For the first time ever, domestic institutions own more of India's stock market than foreign investors.

DII 18.9% vs FII 14.7%. FIIs sold, Indian SIPs bought - ₹31,781 cr in June alone.

Learn how this works: https://t.co/0rBergpzLz

#PersonalFinance #SIP #MutualFunds

[Artha · by Norafi @arthnora]

Politics runs on your cognitive biases, not your ads budget. Full no-bullshit tour on https://t.co/0rBergpzLz
#behavioraleconomics #politics #psychology #arthabynorafi #moneypsychology

Read more: https://t.co/0RHfNs4sVO

[Artha · by Norafi @arthnora]

Padega India, tabhi to badega India. But there, there is more... Read more: https://t.co/Ra5UW0OUZv

#India #Education #Economy

[Artha · by Norafi @arthnora]

India Has About Fifteen Years Left To Get Rich Before It Gets Old. Here Is Exactly How It Is Spending That Time Instead.
https://t.co/V7WkUVzeS9

#India #EconomicCrisis #Economy #Politics #ViksitBharat

[Artha · by Norafi @arthnora]

@TheW3Space DMed

[Artha · by Norafi @arthnora]

AI is rewriting the Indian IT story - worst first half for IT stocks since 2003, and hiring is the first casualty.
One image to understand why.

https://t.co/gIU7LRW87b

#IndianIT #AI #NiftyIT #PersonalFinance

[Artha · by Norafi @arthnora]

India's ITR deadline is no longer one date.

Salaried (ITR-1/2): 31 July - 6 days left
Freelancers & business (ITR-3/4): 31 August
Audit cases: 31 October
Staggered by form, a first. Know yours before you relax.
https://t.co/0rBergpzLz

#PersonalFinance #IncomeTax #ITR

[Artha · by Norafi @arthnora]

Your gym fee, your missing bonus, your dessert menu - one economics bug, three outfits.

Your brain scores money against comparisons, not reality: what you expected, almost chose, had to resist.

Six models that prove it: https://t.co/SidsWYmuaW

#PersonalFinance #MoneyPsychology

[Artha · by Norafi @arthnora]

Bira 91 Built The Best Beer Brand India Ever Saw. Then It Forgot To Build A Company.

Read More: https://t.co/v6BFjrqgx4

#Bira91 #Economy #Casestudy #Bira