Lumic blog
Guides & explainers for Indian investors
Long-form reads on markets, tax, and investing — written in plain English so you can read once and use forever.
38 published guides
FeaturedCAS: When the Closing Bell Became a Trading Problem
Did a reform designed to deliver fairer closing prices create a new headache for Nifty and stock-derivatives traders?
HDFC Bank Q1 FY27 Results: Profit, NII, Loans & NPA
Analyse HDFC Bank Q1 FY27 results, including net profit, NII, NIM, loan growth, deposits and NPA trends, plus key factors investor
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Why Does a Stock Fall Despite Good Results?
Because the market doesn’t reward “good” in isolation. It rewards results that are better than what investors already expected—and
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NII Up, Profit Down? What to Watch in Banking Stocks
Why can bank NII rise while profits fall? Understand NIM compression, rising provisions and the key banking stock results to watch
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IT Sector Q2 FY27 Preview: TCS, Infosys & Wipro Results
Track the IT sector Q2 FY27 outlook with TCS, Infosys, and Wipro Q1 results, AI demand, margins, deal wins, guidance, and key earn
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What Is EBITDA? How to Read EBITDA in Q2 Results
What is EBITDA and EBITDA margin? Learn how to read EBITDA in Q2 results across pharma, auto, IT, telecom, and real estate compani
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IT Q2FY27: Is the Worst Over?
India's IT sector enters Q2FY27 with muted growth expectations — but the mood has changed. Investors are no longer as worried abou
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Which Sectors Have the Edge in Q2 FY27? 5-Year Data
Compare pharma, banking, IT, FMCG and auto sectors using five-year NSE data and explore the key factors shaping their Q2 FY27 outl
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The Oil Shock Happened Six Months Ago. Why Are Markets Reacting Now?
Brent crude has been expensive since March. So why are markets reacting more sharply now? The answer is that an oil shock does not
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HDFC Bank Share Price: 52-Week High/Low & Why It’s Falling
HDFC Bank stock is down sharply this year despite strong fundamentals. Here's the 52-week high/low, balance sheet health, and what
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Sugar Stocks in India and the Ethanol Policy Shift
Explore the sugar stocks in India and see how FRP, exports, ethanol blending, and government policy could influence this essential
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Gold ETF vs Gold Mutual Fund: Can You SIP in Either?
Compare costs, liquidity, taxation, and investment flexibility to decide whether a Gold ETF or mutual fund better suits your SIP g
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Active vs Passive Mutual Funds: Which Is Better for You?
Not sure whether to choose active or passive mutual funds? Compare costs, returns, risks, and investment strategies to decide whic
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How to Apply for IPO in HNI Category?
Want a larger IPO allocation? Learn how to apply in the HNI/NII category, the investment needed, eligibility, process, and key thi
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The FII Selling Wave Is Losing Force. Is a Market Pullback Brewing?
Foreign investors haven't suddenly fallen in love with India. Something subtler—and potentially more important—has happened: the i
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HDFC Bank: Did the Merger Create a Bigger Bank—or a Bigger Problem?
Three years after the HDFC merger, the balance sheet is growing—but margins are struggling. Is the pain temporary, or has the merg
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ARPU: The Number That Could Decide Telecom Valuations
ARPU is becoming one of the most important metrics in telecom investing. Here’s how Airtel, Jio and Vodafone Idea compare—and why
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Why Great Results Don't Always Create Great Stock Returns
Strong results don't always mean rising stock prices. Five lessons from ICICI, Bajaj Finance, Reliance, Trent and Asian Paints
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ICICI Bank vs Bajaj Finance: Which Got the Market's Thumbs Up — And Why?
ICICI Bank grew profits 16% but barely moved. Bajaj Finance surged 10% to a 52-week high. Both beat estimates — so why such dif
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How to Find Growth Stocks That Are Still Cheap
Low P/E doesn't always mean cheap. Learn how the PEG ratio helps you find undervalued growth stocks in India — with real exampl
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What is SIP? The Simplest Guide for First-Time Investors in India
SIP explained simply for first-time investors. Learn how a Systematic Investment Plan works, why ₹500/month is enough to start,
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Decoding Your Annual Information Statement (AIS): A Guide for Indian Taxpayers
Understand the Annual Information Statement (AIS) in India, how to access it, verify details, identify discrepancies, and use it f
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Understanding Debt Mutual Funds: Balancing Risk and Returns for Indian Investors
Explore debt mutual funds India, their types, impact of interest rates, key evaluation metrics, taxation, and how to choose the ri
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The Power of Diversification: Building a Resilient Investment Portfolio in India
Discover how portfolio diversification in India helps manage investment risk and build wealth through asset allocation across equi
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Your First Stock Purchase: A Step-by-Step Guide for New Indian Investors
Learn how to buy stocks in India with this clear, step-by-step guide covering prerequisites, account opening, stockbroker selectio
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Sovereign Gold Bonds (SGBs): A Smarter Way to Invest in Gold in India
Explore Sovereign Gold Bonds India as a secure, interest-earning alternative to physical gold. Learn eligibility, benefits, taxati
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Understanding Real Estate Investment Trusts (REITs) in India: Diversify Your Portfolio
Explore how REITs India offer a practical way for professionals to diversify portfolios by investing in real estate without direct
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Inflation-Indexed Bonds: Protecting Your Purchasing Power in India
Explore how inflation indexed bonds in India help protect your savings from inflation and offer a reliable real return investment
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What is FII and DII — And Why Smart Investors Track Them Daily
Understand the roles of Foreign Institutional Investors (FII) and Domestic Institutional Investors (DII) in Indian markets and why
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How to Filter Market Noise and Focus Only on What Moves Your Portfolio
Learn practical strategies to filter market noise and concentrate on factors that truly impact your investment portfolio for bette
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What AI is Changing About Financial News Analysis in India
Explore how AI is transforming financial news analysis in India by improving data processing, accuracy, and real-time insights for
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What Happens to Your SIP When the Stock Market Falls
Understand how your Systematic Investment Plan (SIP) behaves during stock market downturns and why market falls can be an opportun
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Understanding Capital Gains Tax in India: A Practical Guide for Investors
A comprehensive guide for Indian investors on capital gains tax, covering short-term and long-term gains, indexation benefits, tax
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Navigating Mutual Funds: A Beginner's Guide to SIPs for Indian Professionals
Learn how SIP mutual funds in India work, their benefits, types, and how to start systematic investment plans for effective beginn
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The Power of Compounding: How to Grow Your Wealth Over Time in India
Discover the power of compounding in India and learn practical wealth creation strategies for long term investment growth and futu
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Maximize Your Tax Savings: Decoding Section 80C Investments in India
Navigate Section 80C of the Income Tax Act to maximize your tax savings. Discover popular investment options like ELSS, PPF, and N
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Understanding Inflation in India: How it Impacts Your Savings and Investments
Understand how inflation affects your savings and investments in India. Learn about CPI, WPI, key causes, asset class impacts, and
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Decoding Your Credit Score: A Guide for Indian Professionals to Build and Maintain a Healthy CIBIL Score
Understanding your CIBIL score is crucial for Indian professionals. This guide explains its calculation, debunks myths, offers tip
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