Author: Ashish Kumar

You wish your parents had bought you some blue-chip stock in the 90s. That is why most parents are excited to open a minor demat account for their child. They want to create wealth & teach them the art of compounding. In the following ten to twenty years, you may even start investing in equities with a long-term perspective and let growth take control. But unlike a regular trading account, there are certain requirements & mistakes to avoid while opening a minor demat account. Let us discuss the requirements & common mistakes in detail. Why parents open Demat accounts for…

A common mistake in pain care is to focus only on the intensity of pain. The more useful question is what structure or process is producing the symptoms and how much it is affecting daily function. A diagnosis-first approach Interventional Pain Management is not one single treatment. For persistent pain that may benefit from interventional evaluation, clinicians usually consider symptoms such as ongoing pain that limits function despite appropriate first-line care. Possible contributors include joint, nerve, spine, headache, cancer-related, or other pain generators that require diagnosis before any procedure. The right plan depends on the pattern of symptoms, examination findings,…

A common mistake in pain care is to focus only on the intensity of pain. The more useful question is what structure or process is producing the symptoms and how much it is affecting daily function. Why the treatment plan should be individualized Two people with similar medical findings can experience very different symptoms. Painful diabetic neuropathy may cause burning pain, tingling, pins-and-needles sensations, numbness, or increased sensitivity, most commonly in the feet, and these symptoms may also interfere with sleep and daily activities. Effective diabetic neuropathy treatment should therefore be based on a detailed clinical assessment rather than test…

When pain starts affecting sleep, work, mobility, or confidence in everyday movement, the next step should not be a random treatment. It should be a clear diagnosis and a plan matched to the actual source of symptoms. Why the treatment plan should be individualized Two people with similar scan findings can experience very different symptoms. Sciatica may cause pain that travels from the lower back or buttock into one leg, sometimes accompanied by tingling, numbness, or weakness. For patients considering sciatica treatment in Bangalore, the treatment plan should be based on a detailed clinical assessment rather than imaging findings alone.…

People often search for a quick fix when pain becomes persistent. In practice, the most useful treatment plan usually combines diagnosis, movement, symptom control, and follow-up rather than relying on a single technique. A diagnosis-first approach Spine Treatment Without Surgery is not one single treatment. For spine-related pain, clinicians usually consider symptoms such as back or neck pain, stiffness, radiating pain, tingling, or activity-related discomfort. Possible contributors include disc changes, joint irritation, muscle and ligament problems, spinal narrowing, or nerve irritation. The right plan depends on the pattern of symptoms, examination findings, overall health, previous treatment, and the patient’s goals.…

Your credit report has always lagged behind reality. Clear a credit card bill today, and it could take weeks before that payment actually shows up on your CIBIL report, meaning a lender checking your score in the meantime sees an outdated, less favorable picture than the one you’ve actually earned. Under the CIBIL score new rules 2026, that lag is shrinking considerably, and the change touches nearly everyone who has ever taken a loan, held a credit card, or plans to apply for either. Quick AnswerEffective July 1, 2026, the RBI’s credit reporting rules require banks and NBFCs to report…

Quick AnswerFamily floater vs individual health insurance comes down to age and health. A floater shares one sum insured across the family and usually costs less for young couples and kids, while individual policies give each person a dedicated cover and suit parents above 55 or anyone with a pre-existing disease. Since 22 September 2025, both carry 0% GST, and pre-existing diseases are covered after a maximum 3-year waiting period under IRDAI rules. Amit is 32, his wife Neha is 30, their son is 3, and Amit’s parents are in their late fifties. When he started comparing family floater vs…

Quick AnswerA Specialised Investment Fund (SIF) is a SEBI-regulated investment category, effective since April 1, 2025, that sits between mutual funds and Portfolio Management Services. It requires a minimum investment of ₹10 lakh at the PAN level across all strategies with one fund house, well below PMS’s ₹50 lakh entry point, but far above a mutual fund’s typical ₹100 SIP. The real difference isn’t just the price of entry: SIFs can take limited short positions and use derivative strategies that regular mutual funds simply aren’t allowed to. As of mid-2025, only a handful of fund houses had SEBI approval to…

If you’ve seen a forwarded message or a news headline suggesting UPI is about to start charging you for sending money, you’re not imagining things, and you’re not alone in being confused. Parliament actually did pass a bill in August 2026 that touches UPI’s fee structure. But whether will UPI be charged in India for your everyday payments has a much more specific, narrower answer than the panic online suggests, and it’s worth getting the details right instead of just reacting to a headline. Quick AnswerNo, sending or receiving money via UPI will not be charged for ordinary users. The…

Investing in the stock market can be a great way to build wealth over time. However, before investing in any company, it is important to analyze its share price and understand the factors that influence its movement. A proper analysis helps investors make informed decisions, manage risks, and avoid investing based only on market trends or rumors. 1. Understand the Company’s Financial Performance The first step in analyzing a share price is to study the company’s financial performance. Investors should review revenue, net profit, operating expenses, and earnings growth. A company that consistently increases its revenue and profits may have…