About RupeeIQ — India's Smartest Personal Finance Guide

Hi, I'm Siddharth Purohit

Welcome to RupeeIQ— India's independent personal finance guide. I'm the founder, researcher, and chief editor.

I'm a technology entrepreneur with hands-on experience tracking Indian equity markets, evaluating brokers, analysing mutual funds, and studying the Indian tax system. RupeeIQ was built because most Indian personal finance content is too basic, quietly biased by affiliate incentives, or written without real market experience behind it.

Why RupeeIQ Exists

Every Indian investor deserves unbiased, data-driven guidance on where to open a demat account, which mutual fund to pick, how to file their ITR, and whether a credit card is actually worth it — before they spend a rupee.

We spend 100+ hours researching before publishing a comparison. We verify charges directly from broker websites. We calculate real returns using SEBI data. We never publish a "best" ranking we don't believe in.

Our Editorial Standards

Primary Sources: Broker fee schedules, SEBI filings, AMFI data, RBI circulars — not press releases or marketing copy.
Real Calculations: Every cashback, return, and savings figure is independently calculated — not sourced from broker marketing material.
Regular Updates:All posts carry a "Last Updated" date. We review articles when charges, rates, or regulations change.
Editorial Independence: Affiliate relationships never change our rankings. If a broker pays us and ranks poorly on data, they rank poorly.

What We Cover

📊 Demat & Trading: Broker comparisons, charges, account opening guides.
💹 Mutual Funds: Fund comparisons, ELSS picks, SIP guidance.
🧾 Tax: ITR filing, old vs new regime, Section 80C.
🛡️ Insurance: Term and health insurance — what to buy, what to avoid.
💳 Credit Cards: Real cashback calculations, best cards by use case.
📚 Concepts: XIRR vs CAGR, SIP vs lump sum — explained clearly.

Affiliate Policy & Transparency

RupeeIQ earns revenue through affiliate referral programs. When you open a demat account, purchase insurance, or sign up for a service through our links, we may earn a referral commission — at no extra cost to you.

Our editorial rankings are determined entirely by data — not by which brand pays us more. We regularly recommend free-tier products when they're genuinely the best option. All posts with affiliate links carry a visible disclosure at the top.

See our full Affiliate Disclosure for a list of current partners.

Connect

Questions or corrections? Email hello@rupeeiq.in or reach out on 𝕏 @RupeeIQ.