Author & Founder
Kousigan
Software Developer · Learning & Sharing Finance · Finuraa
Why I built Finuraa
I’m a software developer with 3 years of personal investing experience. That’s not a professional credential. It’s lived experience. I’ve run SIPs, filed ITRs, made mistakes with regular plans, switched to direct, tracked my own portfolio through two market corrections, and spent hundreds of hours reading SEBI circulars, AMFI data, and RBI reports to understand how the rules actually work.
I’m not a SEBI-registered advisor. I’m a researcher and tool builder who believes clear information and honest numbers should be available to everyone. Not just people with expensive advisors.
When I got my first software job, I was excited. Finally had real money. For the first six months I just spent everything: gadgets, food, trips, whatever. Zero savings, zero investments. Then the advice started coming from everywhere. Parents said buy physical gold. Relatives said real estate. Friends said crypto. Everyone had an opinion. Nobody had numbers.
So I went down the rabbit hole. Spent weeks reading about FDs, bonds, mutual funds, stocks, SIPs, SWPs, PPF, NPS. I started a SIP in a regular plan, paying an unnecessary 0.8% commission every year without knowing it. When I figured that out and switched to direct, I felt robbed. That mistake alone cost me thousands. So I wrote it all down, built calculators to show the numbers, and eventually turned it into Finuraa.
Everything on this site is researched against primary sources: SEBI circulars, AMFI monthly data, RBI policy documents, the Income Tax Act, and NSE/BSE published data. I update articles when regulations change. I cite my sources. And I’m always learning. If you spot an error, email me and I’ll fix it.
What’s been built
How I research articles
Primary sources only
Every regulatory claim is checked against SEBI circulars, AMFI data, RBI reports, or the Income Tax Act. No second-hand information.
Numbers verified personally
Every calculator and worked example is built from first principles and cross-checked against official published data.
Quarterly review cycle
Tax slabs, TER limits, interest rates, and regulatory changes are reviewed and updated every quarter or when rules change.
Clear limits stated
This is educational research, not personalised advice. Every article states clearly what it is and what it isn't.
Areas of focus
Topics I research, write about, and build tools for.
SIP & Mutual Fund Investing
Systematic investing, fund selection, direct vs regular, taxation
Indian Tax Planning
80C, 80D, NPS deductions, LTCG/STCG, ITR strategy for salaried and freelancers
Retirement Planning
NPS, PPF, EPF for India; 401(k) and Roth IRA for the US
Stock Market Fundamentals
Order types, fundamental analysis, IPO evaluation, portfolio construction
Global Personal Finance
ISAs (UK), 401(k)/Roth IRA (US), Section 80C (India). Region-specific strategies.
Calculator Design
Building financial models that give accurate, real-world useful results
Featured guides
Selected from 43+ guides published on Finuraa.
Mutual Funds
SIP vs Lumpsum Investment: Which works better?
Mutual Funds
Mutual Funds for Beginners (Complete Guide)
Tax
Section 80C Tax Saving: The Complete Breakdown
Retirement
NPS Complete Guide: How to retire with NPS
Investing
The Power of Compounding (with real numbers)
Stocks
Stock Market for Beginners India
Planning
Emergency Fund Guide: How much is enough?
Planning
Financial Planning for Salaried Employees
How I approach finance content
Numbers, not opinions. I don’t write “SIP is great.” I show you what Rs.5,000 per month actually becomes over 10, 20, and 30 years. Every claim has a calculation behind it.
Real people, not textbook scenarios. Guides follow characters like Suvash (IT professional in Bengaluru), Mathi (freelance artist in Coimbatore), and Awin (FD investor in his 50s). You recognise yourself in a person, not in a formula.
Read it, then try it. Every guide that mentions a calculation links directly to a working calculator. You don’t have to switch tabs and search for a tool - it’s right there.
Explain the options, you decide. When I cover something like mutual funds or insurance, I explain how to evaluate your choices and what to look for. The final decision is always yours.
Learn, share, grow together
A salary is mandatory. But what you do with it - that’s where the real difference happens. Pick a tool, read a guide, or start a course. Either way, you’re already ahead.