About Me

Hello Readers

I am Suresh KP from Hyderabad (India). I have done by Bachelor of Commerce (B.Com) from Osmania University and then MBA-Finance from Symbiosis University, Pune. I have started blogging since 2011. I have over 20 years of experience in analysing various investment options and money saving ideas. I love doing financial planning, Mutual Fund Analysis, Searching long term Stocks for wealth creation, IPOs, reviewing Insurance Products, analysing Health insurance Plans etc.

What is the purpose of creating this blog?

I have created this blog in 2012.

Main objective of creating this blog: I do 9-6 job, however out of my passion, I created this blog. My main purpose of creating this blog is to make money.

Second Main objective of creating this blog: The other main objective of creating this blog is to create awareness among the investor community. I was always passionate about various investment options in India. Earlier, many of my friends and colleagues used to ask about various best investment options, Tips on saving money and how to save money in some of the best investment plans. I used to guiding them several times. Sometimes I felt, that there might be thousands of people who might be struggling to understand the investment options available right in front of them. I thought of sharing my experiences, knowledge, Investment Ideas etc., so that they would also benefit.

While I am making every effort to be accurate when doing analysis, there can be errors in blog articles without my knowledge. In case you find any of such errors or issues in the blogs, please mail me immediately at suresh@myinvestmentideas.com so that I can correct it then and there.You can also share your view under comments of respective articles.

Thanks for your support.



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The Author



  1. Hi suresh,

    I took an education loan from united bank ofindia. I started repaying the loan with a fixed emi for 60 months. Now the inerest rates are increased. So bank is telling that I have to pay according to the floating interest rate although I have fixed emi. In that case i have to pay more than 60 months. Please suggest.

    1. Raj, Please check on the loan documents. If you have signed-up for floating rate, there is no way you can fight. But if you have signed up for Fixed Rate and paying Fixed EMI, you should not accept it. Please check the docs and let me know that I can guide you further.

  2. I am NRI. I have been investing INR 100,000= per month in following schemes via SIP as under –

    (1) Birla SL – frontline Equity Fund Reg (G) (2) DSP Black Rock – Equity Reg Fund (G) (3) HDFC – Equity Fund (G) (4) HDFC – Mid Cap Opportunities Fund (G) (5) HDFC – MIP LTP (G) (6) HDFC Top 200 Fund (G) (7) IDFC – Premier Equity Fund Reg (G). What is your opinion under current volatility in the market and above portfolio ? Also, please comment on forex risk. thanks.

    1. Hetal, 1) Birla Frontline is good 2) There is no such fund with this name 3) HDFC Equity is underperformer, you can wait and watch, else exit 4) HDFC Mid cap is good 5) HDFC MIP – good one stay invested 6) HDFC Top-200 good fund stay invested 7) IDFC Premier equity – Good one stay invested. Yes currently there is market volatility and FII’s are taking away money from MF’s and stock markets, you need not worry about them as they are part of stock market volatility. 

  3. Hey Suresh,

    Appreciate your selfless effort to help amateur investors. I have gone through many of your blogs regarding business ideas and investments, tax savings etc which are very insightful.

    My question is regarding education loan.I have got it from SBI @13.95% PA. The rate has been constant since beginning but amount of interest has been fluctuating in both ways. I have not yet started repaying it as I am in grace period of 3 months yet. I want to understand what could be the reason for this. Also, would like to know how the interest is calculated and what could be the best day in month to deposit EMI for better benefit.

    1. If you have taken an educational loan or personal loan, the EMI should not differ. Please check as to the terms and conditions. It may fluctuate if you have floating rate. Banks would not give you any special benefit if you deposit your EMI in advance. But to be safe, deposit 3-5 days ahead of time. Also if this is thru ECS, it would get autodebited on the date specifed by bank

  4. hi,

    If I deposit 1,00,000 between 1 to 5 march in PPF will I still get the interest on 31st march of that very year. How much interest will i get? I wanna do this to have liquidity.

    1. Jeet, The interest rate in your PPF account is calculated on the lowest balance between the fifth and the last day of the month. So to maximise your earnings, try making deposits between the 1st and the 5th of the month. Interest is compounded annually and credited on March 31 each year

  5. Hi Suresh…i hav some queries regarding PPF account.How interest is calculated on the amount of the ppf account?? suppose there are two situations..1.I invest 1lakh on 1st april. 2) I invest Rs 8333 on 1st of every mnth. At the end of the year what will the interest for the respective case??

    1. Priyajit, The interest rate in PPF account is calculated on the lowest balance between the fifth and the last day of the month. So to maximise your earnings, try making deposits between the 1st and the 5th of the month. Interest is compounded annually and credited on March 31 each year

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