AND Fintech Blog
Actionable insights on wealth creation, mutual funds, retirement planning and more — written for the discerning Indian investor.
Market Peak Investing: Core-Satellite Asset Allocation with SIFs for ₹10 Cr+ Portfolios
Deploying a large cash windfall when equity valuations are at all-time highs requires a defense-first strategy. Discover...
SIF vs. Category III AIF vs. PMS: Institutional Cost-Benefit Analysis for HNI Capital
High-net-worth capital is shifting away from AIFs and PMS toward the newly regulated SIF ecosystem. We break down the ma...
Risk Engineering in SIFs: Passive Mutual Fund Hedging vs. Active Unhedged Shorting Under SEBI Rules
How do SIF derivatives differ from mutual fund hedging? We analyze SEBI's 25% unhedged shorting rule, the precise math b...
Technical guide to SEBI's operational rules for SIFs: Unpacking the ₹10 Lakh PAN-level aggregation, active vs passive breach penalties, and redemption limits.
SEBI’s SIF operational mechanics differ vastly from traditional mutual funds. We decode the strict ₹10 Lakh PAN-leve...
SIF for Corporate Treasury: Yield Optimization, the Gross Equity Rule, and the 24-Month Tax Trap
Replacing corporate FDs with SIFs requires understanding exact SEBI and tax mechanics. We analyze how gross equity thres...
qSIF Taxation Explained: Why the STCG Holding Period Is 24 Months, Not 12
Two SIF funds break the 12-month rule everyone assumes applies. Here's the exact gross-equity threshold that pushes qSIF...
SIF Exit Load: Fund-by-Fund Breakdown - What Every Investor Must Check Before Investing
Two funds in the same SEBI category. Same minimum investment. Same regulator. But one charges 0% to exit and the other c...
SIF Categories Decoded: Which of India's 7 Long-Short Strategies Fits Your Portfolio?
SEBI's Specialised Investment Fund framework fills the gap between retail mutual funds and high-ticket PMS/AIF products ...
SIF for Corporate Savings - The Tax Math CFOs Need to See | AND Fintech
₹200+ lakh crore sits in Indian FDs. For companies paying 22% corporate tax (Section 115BAA), FD interest is one of th...
How to Pick the Right SIF - AND Fintech's 6-Point Framework 2026
With 27 SIF funds across 5 categories, how do you choose? AND Fintech's 6-point scoring framework - used on our live SIF...
SIF for Doctors and HNI Professionals - Practical Portfolio Guide 2026
A doctor in the 30% bracket with ₹50L in FDs is losing over ₹90,000 annually to avoidable tax. Here's how SIF fits i...
5 Types of SIF in India - Which Category Matches Your Goals? | AND Fintech
SEBI has defined 5 SIF categories. Each serves a completely different investor goal. Here's how to match your risk profi...
SIF vs Mutual Fund vs PMS vs AIF - Complete Comparison 2026 | AND Fintech
Choosing between SIF, PMS, AIF, and mutual funds? Here's the definitive comparison -minimum investment, tax, strategies,...
How Long-Short Strategy Works in SIF - Explained Simply | AND Fintech
Long-short is the core strategy in every SIF. Here's how it works in plain English - what going long means, what shortin...
What is SIF? Specialized Investment Funds India 2026 Explained
SEBI launched SIF in April 2025 - a new investment category between mutual funds and PMS. ₹10 lakh minimum, long-short...
SIF for Corporate Treasury India - Better Than FDs for Companies in 2026
Corporates, LLPs, and Trusts parking funds in FDs pay up to 30% tax on interest. Conservative Hybrid SIFs offer LTCG at ...
SIF vs Fixed Deposit India 2026 - Post-Tax Returns Compared
A bank FD giving 6.25% looks safe. But for a 30% bracket investor, that's just 4.375% post-tax. Here's how SIF compares ...
SIF Tax Guide India 2026 — STCG, LTCG, ₹1.25L Exemption Explained
Two SIF funds in the same SEBI category can have completely different tax treatment. For a 30% bracket investor, choosin...
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