The Finology Podcast

This second episode of the Mutual Fund Series for 2026 focuses on Large Cap Funds, explained with data, index comparisons, and clear guidance on where they fit in long-term investing. Explore The Courses: https://tinyurl.com/personal-finance-yt Join F30's waitlist: https://recipe.finology.in/app/stocks

The first of Pranjal's Mutual Fund Series for 2026. We’re starting with Liquid Funds, the most undiscovered category in mutual funds. Learn how to evaluate liquid funds, how they compare to savings accounts and FDs, and how to actually use them as a financial tool.

Think research reports are helping you invest? Think again. Most look impressive, but behind the jargon and five-year forecasts, they’re often more confusing than useful. In this episode, Pranjal breaks down how unrealistic projections get dressed up as insights, why complexity becomes a shield, and how investors get trapped in numbers.

PPFAS just launched a scheme with a simple structure and a sharp purpose. In this episode, Pranjal breaks down what makes it different, the gap it tries to fill in today’s equity market, and why its execution philosophy matters for long-term investors.

Most people don’t pick the wrong mutual fund; they pick the wrong category . In this episode, Pranjal talks about a simple, goal-linked way to choose the right mix of equity and debt, estimate your future cost, and calculate the SIP that actually gets you there.

You’re about to get absolute clarity on the best term insurance plans for 2026. In this episode, you’ll see how a strict, research-driven process filters 21 insurers down to the ones that can actually protect your family decades from now. You’ll walk through the 4 filters that matter most: Claim Settlement Ratio (4-year average) Amount Settlement Ratio (4-year average) Solvency Ratio Annual Busine...

You’ve probably been tempted by finance seminars at some point, but most of them sell dreams, not real education. In this episode, Pranjal shares his personal experience and reflections on why these seminars often fail to give you genuine value. They charge high fees, lean on emotional marketing, and recycle advice that barely scratches the surface. True financial learning doesn’t come from flashy...

A few years ago, Pranjal was all for real estate. Then experience, and a few costly lessons, flipped his view. In this episode, he reveals what changed: why under-construction projects aren’t as dreamy as they look, when land can actually beat flats, and the hidden traps most investors miss. If you’ve ever thought, “Maybe I should buy property,” listen to this before you do.

Pranjal is back with Finology's annual list of the Best Health Insurance Plans for 2026 . Shortlisted through a transparent, data-backed process from 3 insurers, this episode helps you find the right plan, without falling for sales traps!

It’s the biggest pension reform in years, with more equity, more flexibility, and more control. But who’s really benefiting from all this? Tune in as Pranjal explores how a system built for disciplined saving might be turning into a market-driven playground.

Most people think wealth comes from luck, timing, or privilege. It doesn’t. Wealth begins when you decide to be exceptional at what you do; when you stop chasing quick wins and start mastering your craft. In this episode, Pranjal explores the mindset that quietly builds wealth over time. You’ll see why a 9-to-5 can absolutely make you rich, how ownership of your time changes everything, and why ma...

Everyone’s chasing US stocks and global ETFs these days. It sounds exciting, almost necessary. But do you really need to go global? In this episode, Pranjal tells what international investing actually means for long-term investors; the real benefits, the hidden risks, and how to know if it fits your goals.

Blindly holding a mutual fund forever isn’t a strategy. In this episode, Pranjal breaks down when it actually makes sense to exit, like when goals are met, markets are overheated, or a fund has lost its charm, and when you’re better off holding. It’s not about panic-selling, but about being intentional and letting your money work harder for you.

The government’s big tax reform is here, but is it changing anything for you? In this episode, Pranjal breaks down GST 2.0: the new tax slabs, what gets cheaper (and what doesn’t), whether your insurance premiums will actually fall, and how the stock market is reacting. If you’ve been wondering whether GST 2.0 will ease your monthly budget or just make headlines, this is all you need.

A lot of people think AI will magically find winning stocks, but the truth is more nuanced. In this episode, Pranjal shares how AI can genuinely support investors, the limitations you should know about, and where it fits into real-world investing.

Life can turn upside down in a moment. But your family’s future should never be left to chance. In this episode, Pranjal discusses everything you need to know about buying a Term Plan in 2025: How a term plan guarantees steady income for your family Why your absence shouldn’t compromise their lifestyle How to choose the right sum assured for real security So, no matter what, life keeps moving with...

How do professionals decide which stocks even deserve a spot on their watchlist? In this episode, Pranjal breaks down a 6-point checklist, covering market cap, growth, returns, cash flows, and debt, that helps highlight businesses with real strength. With examples and sector insights, you’ll see how each filter works in practice and why context matters more than just chasing valuation.

We all think we’re good with money until the numbers prove otherwise. In this episode, Pranjal walks you through 11 money rules that actually hold up in real life. From saving percentages that make sense to the investing principles you can’t afford to skip, you'd wish you knew all this sooner.

Most investors get stuck choosing between growth and value stocks. But what if you could have the best of both worlds? In this episode, Pranjal breaks down GARP (Growth at a Reasonable Price) investing, a strategy that helps you spot high-quality companies with strong growth potential that are still undervalued. Learn how to use Finology Ticker’s screener to identify these opportunities and find g...

Debt promises freedom but often delivers slavery. In this episode, Pranjal discusses why so many people slip into debt traps, the hidden behaviours that keep them stuck, and the strategies that can finally set them free.

The government has finally dropped the Online Gaming Bill, and it changes everything. For years, gaming platforms grew freely, with celebs promoting them, investors pouring in money, and thousands of people building careers around the industry. Now, with one decision, the future looks uncertain. In this episode, Pranjal discusses why the ban makes sense, how wrong/right the timing was, and how sud...

A stock’s price tag tells you nothing about whether it’s a bargain or a trap. In this episode, Pranjal breaks down why a ₹50 stock can be overpriced while a ₹1,000 stock can still be undervalued. You’ll learn how to spot companies with strong fundamentals, understand the link between earnings growth and valuation multiples, and identify that sweet spot where both business quality and price work in...

What if the best investing strategy was to do nothing? In this episode, Pranjal talks about the timeless Coffee Can Investing approach, where you buy quality stocks, forget about them, and let time do the work. He also breaks down the five key filters to choose the right companies and shares why patience might just be your biggest boon in investing. Visit Finology Ticker Follow us on Instagram Joi...

Ever wondered how airlines really work and why some struggle while others soar? In this episode, we unpack the inner workings of the aviation industry and zoom in on IndiGo, India’s most successful airline. From razor-sharp cost control to smart growth strategies, discover the key moves that keep IndiGo ahead of the pack, and what they can teach us about building a winning business.  👉 Subscribe...

The housing market isn’t broken. It’s rigged.  In this episode, Pranjal breaks down how real estate in India has quietly become a black money playground, leaving the honest, tax-paying middle class priced out.  It’s about a system built to serve the rich while selling dreams to the rest. If you’ve ever wondered why property prices keep rising despite low demand, know what’s really going on.  👉 Su...