The Finology Podcast

The 5th episode focuses on how Flexi-cap funds are the most powerful category in mutual funds and the most dangerous.It explains how flexi-cap funds can behave like large-cap, mid-cap, small-cap, or even hybrid funds, depending entirely on the fund manager’s decisions. With no market-cap constraints, outcomes are driven by the manager’s skill, philosophy, and incentives.

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The Fourth episode of our Mutual Fund Series for 2026 deconstructs the Large & Mid Cap category through a first-principles, data-led lens. By stripping away labels and studying full-cycle return behaviour, we explain how mid-cap graduation creates structural alpha and why large-cap anchors are essential for compounding stability.The focus stays on capturing maximum embedded alpha with controlled volatility, and on building Large & Mid Cap exposure that works across market cycles rather than chasing episodic outperformance._______________________________________________

The third episode of our Mutual Fund Series for 2026 explains the dual-cost framework of Gold FOFs, why it differs from index mutual funds, and how the expense ratio and tracking error together determine investor outcomes.

You will also see a data-backed comparison of leading Gold ETFs, practical illustrations on tracking efficiency, and why a higher-cost fund can still deliver better returns.

Top 3 shortlisted Gold ETFs:

• UTI Gold ETF

• ICICI Prudential Gold ETF

• TATA Gold ETF

Best Gold ETF by Finology: ICICI Pruden...

This episode looks at how ETFs are actually bought and sold, how liquidity is provided, and how transaction mechanics influence the real cost of ownership for retail investors. The focus is on understanding the structure behind ETFs and how it differs from index mutual funds in practice.The goal of this discussion is clarity. Once the mechanics are understood, cost comparisons become more intuitive and investment choices more deliberate.

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.

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:

By the end, you’ll know the Top 2 Term Insurance Picks for 2026, and exactly how to choose a policy that gives your family long-term security and gives you real peace of mind.

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 promises or motivational speeches, but from understanding, applying, and questioning.

Listen in to see why attending finance seminars can be a big mistake, and discover what real financial educ...

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 managing what you earn matters just as much as earning it.

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.

What if retiring young had less to do with money and more to do with mindset?

In this episode of The Finology Podcast, learn how leverage can help you retire earlier than you think and:

If there’s one thing to take...

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:

So, no matter what, life keeps moving with dignity.

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 great stocks.

Stock-Picking Criteria Used:

MCAP > 10000 AND PE Ratio < > 0 AND PEG ratio < > 15 AND Debt to Equity Y1 < >

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 sudden flip-flops like this shake confidence in India’s economy.

Find out why intent without timing leaves everyone paying the price.

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 your favour.

By the end, you’ll know how to skip the “cheap stock” myth and invest where real value lies.

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.

Always feeling like your salary disappears before the month ends? In this episode, Pranjal talks about the four big-ticket expenses that silently drain your savings.

He talks about practical strategies to cut costs in these areas and redirect that money towards building real wealth. Because saving isn’t about giving things up, it’s about making smarter moves with what you have.

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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. 

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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. 

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Mutual funds seem complicated until someone explains them correctly. In this episode, Pranjal takes you through the basics, step by step. What they are, how they work, how to choose the right one, and everything in between. 

This is the explanation you wish you had got sooner.

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Trading looks exciting. But is it really the fast lane to wealth? 

In this episode, Pranjal talks about trading; its upsides, how traders actually make money, and how the best of them compare to top investors. If you’ve ever wondered whether to trade or invest, this might just clear the fog.

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In this episode, Pranjal gets back to the basics. Think of it as your no-nonsense guide to managing money; from setting up an emergency fund to making sense of insurance, and taking those first steps into investing.

If you’ve been craving structure, clarity, and advice that actually works in the real world, this is where you begin.

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Why do loss-making startups get billion-dollar valuations?

In today’s market, hype often trumps hard numbers. Companies with no profits, negative cash flows, and shaky balance sheets are trading like tomorrow’s giants. All based on one thing: a story.

In this episode, Pranjal explains how these narratives are built, why investors fall for them, and how you can train yourself to see through the facade. Ultimately, it's not storytelling that creates wealth; it's strong earnings, effective execution, and genuine capital discipline.

If you've ever been tempted by the next big thing, this one...

What makes sense in your 20s can feel completely off in your 30s. Because money decisions aren’t one-size-fits-all, they shift with your income, city, career, and even your ambitions.

In this video, Pranjal talks about the real-life trade-offs with reason, so you can think better before locking yourself into an EMI.

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Ever wondered why a stock that looks perfect at first glance doesn’t make the cut? 

Discover five crucial reasons to reject companies; reasons that go far beyond the basics. Learn how to spot the dealbreakers that most people miss, from shaky leadership to financial warning signs and business models built on sand.

This episode is bound to sharpen your buying instincts. 

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Most investors don’t lose money because of the market, but because of shady tips, fake profiles, and flashy promises that sound like a shortcut.

In this episode, Pranjal discusses:

This isn’t just about calling out the bad guys. It’s about giving you the mindset to stay scam-proof so you don’t fall for noise, and stay focused on what actually builds wealth.

Most people stay poor not because they don’t earn enough, but because they’ve never been taught the basics of managing money.

In this video, Pranjal break down the 4 key shifts that can change the way you think about saving, spending, and building wealth.

These are the fundamentals no one teaches, but once you get them right, everything else starts falling into place.

✅ Why most people struggle to grow their money
✅ What truly matters in your financial journey
✅ How to build a strong foundation for long-term wealth

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We've all had that one stock we researched, understood deeply, and still didn't invest in, only to see it go up 2000%, 5000%, or more. It's easy to look back and feel regret. But should you?

In this episode, Pranjal talks about why missing out isn't failure and why it's perfectly rational to let some opportunities go, even if they were within your understanding. The key concept is the Circle of Competence, a mental model popularised by Warren Buffett and Charlie Munger that encourages investors to stay within their area of deep knowledge and insight.

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