Skip to content
ViniyogIndia®
ViniyogIndia®
  • Home
  • Portfolios
  • Smallcases
  • Blog
  • Subscribe

personal finance

India is staring at a retirement time-bomb, are you prepared?

May 3, 2020January 8, 2019 by Viniyog India

By 2050, India will be home to one of the largest populations of retirees in the world, with a massive retirement shortfall of 85B USD est.

Categories personal finance, public

How to be a millionaire in India, investing only ₹1500 a month!

September 27, 2022December 19, 2018 by Viniyog India

This article provides a simple strategy following which you can potentially build a million dollar portfolio by investing as little as 1500 rupees a month

Categories market, personal finance, public

5 reasons why financial planning is a must in India

October 21, 2019October 26, 2018 by Viniyog India

Financial planning & investment advisory are generally misunderstood and under-estimated concepts in India. In todays age of Google where everything is a click away, we provide 5 arguments why we feel financial planning and investing are subjects best left to professionals.

Categories personal finance, public 2 Comments

Why to say NO to ULIP and Endowment Policy

January 30, 2020October 10, 2018 by Viniyog India

ULIP and Endowment Policies offer sub-optimal combination of insurance and investment products. In this article we review their limitations and propose an alternative.

Categories personal finance, public

The biggest secret to wealth creation

November 3, 2025September 19, 2018 by Viniyog India

What is the biggest secret to wealth creation? The answer lies hidden in an ancient Indian chess puzzle devised by the inventor of the game.

Categories featured, personal finance, strategies

Estimate corpus using a simple retirement calculator

September 27, 2022January 27, 2018 by Viniyog India
ViniyogIndia Retirement Calculator

This post provides a step-by-step guide on how to estimate retirement corpus for an individual, and concludes by presenting a downloadable retirement calculator that can be used in India.

Categories personal finance, public Tags retirement, retirement calculator india

Historical returns on asset classes in India

November 3, 2025December 19, 2017 by Viniyog India

Article analyses historical returns of asset classes in India over 39 years, starting 1981. Asset classes studied are Stocks, Gold & FD.

Categories featured, personal finance, strategies
Which Portfolio is best suited for me?

Try our Robo Advisory tools to find out.

Try Now
ViniyogIndia Momentum
How much do I need to retire?

Try our Robo Advisory tools to find out.

Try Now

ViniyogIndia® offers model portfolios using quantitative factor-based strategies. Model portfolios are designed using a comprehensive software suite, developed in-house, following a data-driven approach to investing, and supported by substantial academic literature.

Investments in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Compliance

Investor Charter

Grievance Handling

Compliance Audit

Terms & Conditions

Accessibility

Disclaimers & Disclosures

Scores

Smart ODR

SaaS Declaration

Quick Links

About Us

* Public Warning *

Portfolios

Calculators

Privacy Policy

UPI: biswarup.ia@validhdfc

Contact Us

BO: T-26, Genexx Valley, Kolkata – 700104. RO: 17/2D KPC Lane, Kolkata -700034.

+91 33 4603 2476 | + 91 62912 68415

contact@viniyogindia.com

SEBI Registration

License Holder: Biswarup Sinha Ray

SEBI Reg. No: INA300008614 [Individual]

Validity: 26-10-2017 - Perpetual

BSE Enlistment # 1215

Brand Name: ViniyogIndia®

Officers

Adviser | Compliance Officer | Grievance Officer:

Biswarup Sinha Ray

6291268415

biswarup@viniyogindia.com

Corresponding SEBI Local Office

SEBI Eastern Regional Office

L&T Chambers, 3rd Floor,
Camac Street, Kolkata – 700017.

sebiero@sebi.gov.in

33 2302 3000

B. Sinha Ray Research & Advisory. All rights reserved.

Leaving ViniyogIndia®

You are about to leave our website. Do you want to proceed?

Proceed