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ZomintNow Investment that Just Makes Sense

27/08/2026

A-Z Mutual Funds Explained | ZomintNow

Mutual fund names can look confusing, especially when you see terms like AMC, Large Cap, Small Cap, Flexi Cap, Direct, Regular, Growth and IDCW.

This reel breaks down the most common terms used in mutual fund names in simple language. You’ll understand what an AMC is, how Large Cap, Mid Cap and Small Cap funds differ, and the difference between Multi Cap and Flexi Cap funds.

We also explain Direct vs Regular plans and Growth vs IDCW options, so the next time you see a mutual fund name, you know exactly what it means.

Understanding the basics can help you make more informed investment decisions instead of choosing a fund just because of its name.

[mutual funds, mutual fund basics, SIP, equity mutual funds, direct vs regular, growth vs IDCW, investing awareness]

21/08/2026

Reality of the Global Market Crash 🌍📉

Is the world actually in a global market crash right now?

A true global market crash usually means a sharp and widespread fall across multiple major markets, countries and asset classes — similar to what happened during the 2008 Global Financial Crisis.

Right now, the correction is much more concentrated:

KOSPI (South Korea): down around 30%
Philadelphia Semiconductor Index: down around 18%
S&P 500: relatively flat
India: holding up comparatively well
Parts of Japan and Taiwan have also seen significant pressure

So while some markets have fallen sharply, the sell-off is not equally severe everywhere.

The headlines may make it feel like a global crash, but the broader market picture tells a more nuanced story.

[global market crash, stock market crash, KOSPI crash, semiconductor stocks, S&P 500, India stock market, global markets, investing, market correction]

19/08/2026

SIP ka Sach | ZomintNow

A ₹20,000 or ₹25,000 monthly SIP may sound like an easy path to a ₹1 crore corpus, but real-life investing is rarely as straightforward as social media calculators make it look.

This reel explains why simply starting a SIP is not enough. Over a 20-year period, your financial priorities can change—buying a home, upgrading your car, marriage, children's education, and other expenses can all compete with your investments.

The solution is goal-based investing. Instead of treating your entire SIP as one investment, dividing it across short-term, medium-term, and long-term goals can help you stay invested while also preparing for important financial milestones.

The key is not just investing more, but investing with a clear purpose and plan.

[finance safety, SIP investing, goal based investing, financial planning]

15/08/2026

Buy Car ₹1 Lakh Cheaper | ZomintNow

When buying a car on loan, most people focus on the car price and EMI—but the name on the loan can also affect the overall cost.

This reel explains how choosing between spouses as the primary borrower could potentially make a difference in the applicable interest rate, processing charges, and overall loan amount.

Using a ₹30 lakh car loan as an example, the reel compares an 8.5% interest rate with an 8% rate and shows how even a small difference in interest can add up over the life of the loan. Additional benefits such as processing fee waivers may further affect the overall savings.

The important takeaway: before taking a car loan, compare the interest rate, processing fees, loan eligibility, and total repayment—not just the EMI.

[finance safety, car loan, personal finance, money saving, financial awareness]

13/08/2026

₹2 Crore Profit. ₹0 Tax. | ZomintNow

Made a ₹2 crore profit by selling shares? That does not automatically mean you have to pay tax on the entire amount.

This reel explains how Section 54F can potentially provide a capital gains tax exemption when eligible long-term capital gains from the sale of assets such as shares are invested in a residential house.

The reel covers the key timelines: purchasing a house within the specified period before or after the sale, or completing construction within the prescribed timeline. It also highlights that the exemption is
subject to conditions, including the requirement to invest in one residential house and the applicable ₹10 crore limit.

Tax exemptions come with specific eligibility conditions, so it is important to understand the rules before making an investment decision.

[finance safety, capital gains tax, Section 54F, tax planning, stock market, personal finance]

11/08/2026

Keep Your GOLD For FREE | ZomintNow

Gold jewellery is often kept safely in bank lockers, but lockers come with an annual cost and may have limitations around the value covered.

This reel explains an alternative approach: using your gold as collateral for an overdraft facility. Unlike a regular loan, interest on an overdraft is generally charged only on the amount actually utilised, rather than the entire sanctioned limit.

The reel uses a ₹50 lakh gold holding to explain how an overdraft can potentially provide access to funds while allowing the gold to remain with the bank as collateral.

If you own significant gold and may need liquidity, understanding options such as gold-backed overdrafts can help you make a more informed decision.

Always check the bank's applicable interest rates, fees, security terms, and eligibility before choosing any facility.

[finance safety, gold, gold loan, overdraft, personal finance, money management]

07/08/2026

Education Loan Discount | ZomintNow

Education loans can become expensive when interest rates are high, but government-backed schemes may provide additional support to eligible students and families.

This reel explains the Vidya Lakshmi Scheme and highlights the benefits mentioned in the video, including a government guarantee of 75% on education loans up to ₹7.5 lakh for families with income below ₹8 lakh, along with a 3% interest subsidy during the moratorium period.

Understanding these schemes before taking an education loan can help students and families explore the support available to them and potentially reduce the overall cost of financing higher education.
Before taking a loan, always check the latest eligibility criteria, applicable institutions, and scheme terms.

[finance safety, education loan, Vidya Lakshmi Scheme, government schemes, financial awareness]

31/07/2026

Gold Jewellery GST Mistake You Should Know | ZomintNow

When buying gold jewellery, most people focus only on the final price and rarely verify how GST has been calculated. This reel explains how GST should generally be applied on jewellery bills and highlights a common billing mistake that can increase your final payment.
Before making any purchase, always review your invoice carefully, understand the breakup of making charges and taxes, and ask for clarification if something looks incorrect. A quick bill check can help you avoid paying more than necessary.

[gold jewellery, GST, consumer awareness, money saving]

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