Value Research

IRDA data shows policyholders win at every stage, from the Bima Bharosa portal to the ombudsman to the courts. That says a lot about insurer behaviour.

A decision you made once is being overruled every single day. Dhirendra Kumar names the culprit.

Four frauds, three questions, and why being clever is no defence.

Investors spend hours defending their reward points but ignore the cost that quietly shrinks their savings every year

IRDAI's own consultation paper shows surrender payouts are five times larger than death claims. This industry is not selling protection. It is selling an exit.

Dhirendra Kumar explains why two funds in the same category can be two very different products, and the one document that tells them apart.

Judging listed fund houses by the metric that matters most

You spent 35 years learning not to react. Then you retire with time, a corpus and a phone, and the habit that built the money starts working against it.

Dhirendra Kumar sets three entry conditions for small caps, and says all of them are compulsory.

A four-test method for judging funds still finding their feet