Siddhi Sharma, CFP®

Money Coach, Lxme } NISM Certified

PMS vs Mutual Funds: Can You Invest in Both for Better Returns?

The money talk may be scary, at least the money talk with lots of new-fangled terms. But as women, we have lots of responsibilities daily—it’s high time that we get our money working harder in our favor too. You may have heard of Mutual Funds, as they’re one of the most famous investing products. PMS PMS vs Mutual Funds: Can You Invest in Both for Better Returns?

What Is The Difference Between Large Cap, Mid Cap, and Small Cap Funds?

Think about shopping for your favorite products. There are items from different brands at various prices. Some brands are well-established, trusted by everyone, and have been around for years. Others are newer and still growing. Then there are a few small, emerging brands that show promise for the future. The equity market works in a What Is The Difference Between Large Cap, Mid Cap, and Small Cap Funds?

Pension Payment Order (PPO): What It Is, How to Get It, and Why It’s Important

Retirement is a special time for every woman. It’s a moment to celebrate years of hard work and start a new chapter in life. For many women, managing finances during retirement can feel overwhelming, especially if this is their first time handling things like pensions or government paperwork. But knowing a few simple things, like Pension Payment Order (PPO): What It Is, How to Get It, and Why It’s Important

How to Claim Tax Benefits on Education Loans Under Section 80E in 2025

Section 80E - Education Loan”

Siya, how did you manage your MBA expenses? I’m thinking of applying this year, but the cost is overwhelming.” “Geeta, I took an education loan, and thank god for Section 80E! I’ve been claiming tax benefits for the last 3 years. You should definitely explore it too.” Higher education is no longer just a dream; How to Claim Tax Benefits on Education Loans Under Section 80E in 2025

How to Apply for the Rupashree Prakalpa Scheme Step-by-Step

West Bengal Rupashree Prakalpa Scheme

In India, weddings are joyous occasions, but the financial burden can be overwhelming for low-income families. To ease this burden, the Rupashree Prakalpa Scheme was launched by the West Bengal Government.  The beauty of this scheme is that it gives women the financial support they need without worrying about high costs. If you’re a woman How to Apply for the Rupashree Prakalpa Scheme Step-by-Step

How to Apply for PAN Card Online & Offline in India

Meera: “Did you apply for your PAN card?” Aarti: “Not yet , I thought about it but didn’t understand the process. They say it can be done online, offline too… I just got confused.” This everyday conversation between Meera and Aarti, two women, is more common than you’d think. Whether you’re starting your first job, How to Apply for PAN Card Online & Offline in India

Lakshmir Bhandar Scheme Explained: Eligibility, Benefits & Application Process

Understanding this, the Government of West Bengal launched the Lakshmir Bhandar Scheme, a special financial support program for women. Whether you are a homemaker, a mother, a daughter, or a sister, this scheme is designed to help you take your first step toward self-reliance. Let’s break down this Laxmi Bhandar project in simple terms: what Lakshmir Bhandar Scheme Explained: Eligibility, Benefits & Application Process

What Is Form 26AS? How to Download & Use It for Tax Filing

Reha: “Nia, I just opened my income tax portal and noticed something called Form 26AS. Should I be worried? It looks complicated!” Nia: “Don’t worry! It’s actually a very helpful document. Think of it like your annual tax passbook. Everything the Income Tax Department knows about your income and TDS is recorded there!” Reha: “Oh! What Is Form 26AS? How to Download & Use It for Tax Filing

Section 80C Deduction – A Simple Guide For Women Who Are New to Investments

Riya: “Yaar Neha, it’s tax season again and I don’t know what to do. My Tax Expert just said ‘Use 80C’, and I nodded like I understood!” Neha: “Oh! I was in the same boat last year. But trust me, 80C is actually the easiest way to save taxes, especially for us women who are Section 80C Deduction – A Simple Guide For Women Who Are New to Investments

What Is a Tax Refund? Definition and When to Expect It

For many women who are managing their own finances, running a household, building a career, or running a business — understanding tax refunds can empower them to take better control of their money.  As the financial year comes to a close and women across India start filing their income tax returns, one phrase brings both What Is a Tax Refund? Definition and When to Expect It