About MunafaLab
A small, independent Hinglish finance publication for Indian readers who want clarity — not noise.
Why MunafaLab exists
Most Indian personal finance content sits in two extremes. On one side, dry English jargon written for analysts. On the other, loud YouTube "tips" chasing trends. The Indian retail investor — usually aged 22–45, mobile-first, comfortable in Hinglish — gets left in the middle.
MunafaLab was built to sit in that middle. Long-form, honest explainers. Hinglish where it helps, English where precision matters. Numbers in ₹. Examples drawn from Indian SIPs, MCX trades, PPF accounts, NPS tiers, HDFC/SBI/Axis credit cards — not from a US textbook.
What we cover
- Indian stock markets — concepts, not tips. Understanding sectors, market cap, valuation basics, IPO frameworks.
- Mutual funds & SIPs — direct vs regular plans, ELSS for tax saving, debt funds, indexed routes.
- MCX gold & silver — physical vs paper gold, sovereign gold bonds, silver ETFs, lot sizes.
- Tax saving — old vs new regime, Section 80C, 80D, capital gains, presumptive taxation.
- Government schemes — PPF, EPF, NPS, SCSS, SSY, APY — eligibility, lock-in, returns, withdrawal rules.
- Credit cards — reward maths, hidden charges, travel cards, fuel surcharge, credit score basics.
What we are not
MunafaLab is not a SEBI-registered investment adviser. We do not give buy/sell calls, stock tips, or personalised portfolio recommendations. Nothing on this site is financial advice.
We are also not a financial product seller. We do not run paid telegram groups, paid "multibagger" lists, or coaching courses. If you want a regulated adviser, please consult a SEBI Registered Investment Adviser (RIA).
How we research
Every post follows a simple checklist before publishing:
- Cross-check numbers against at least two primary sources — SEBI circulars, RBI notifications, AMFI data, Income Tax department documents, the actual scheme PDF, or the official product page.
- Distinguish what is rule (e.g. PPF lock-in is 15 years) from what is opinion (e.g. PPF makes sense for X kind of saver).
- Add a publish date and a "last verified" date on tax, rate, and scheme posts. Re-verify quarterly.
- Mark any affiliate links with an explicit notice on the page. See Affiliate Disclosure.
How we stay independent
Editorial decisions — what to write, what to recommend, what to warn against — are made independently of any commercial partnership. We may earn affiliate commissions from some product links (brokers, credit cards, mutual fund platforms), but those payouts never determine whether a product is recommended.
We never publish paid posts disguised as editorial. If a piece is sponsored, it will be clearly labelled as such at the top of the page.
Who runs MunafaLab
MunafaLab is operated by Kishan Patel, as a sole proprietorship based in Surat, Gujarat, India. It is a small independent publication, not a fund house, advisory firm, or brokerage.