Arman Qureshi is a paraplanner and finance writer who enjoys reading and learning about personal finance and macroeconomics. Arman also likes understanding how money, markets, MRETs, and politics affect everyday life. He spend time reading about finance, public policy, and current affairs, and try to explain these topics in a simple and clear way through his writing. Apart from this, Arman Qureshi is interested in chess, philosophy, and technology. He enjoy learning new things and sharing practical, easy-to-understand insights with readers.
Authored Blogs
What to do when market keeps falling
Seven weeks. That’s how long the Nifty 50 has been sliding, and in the process it has erased close to $250 billion in market value and dropped under its 200-day moving average for the first time in six years. The Sensex is having its worst stretch since the dot-com years. It isn’t one event causing […]
Indians are using credit cards. Are we using them well?
Most of us choose a credit card, use it for years and occasionally redeem the points. But when did you last check whether it suits the way you spend? Credit card use in India has grown rapidly. The value of credit card payments rose from ₹6.3 lakh crore in FY2020–21 to ₹21.1 lakh crore in […]
What happens if you don’t respond to a 139(9) notice
A defective return notice under Section 139(9) is easy to underestimate, because on its face it looks like a formality — a form correction, not a tax dispute. But the consequence of ignoring it is more serious than most people expect, and it’s worth understanding fully before you let the 15-day deadline pass. The core […]
Defective return vs revised Return: What’s the difference
These two terms get confused often, partly because both end with you submitting a corrected version of your return. But they’re triggered differently, governed by different sections, and have different deadlines — mixing them up is how people miss the window that actually applied to their situation. The core distinction A defective return (Section 139(9)) […]
Does trading more actually help? SEBI’s data says no
On 20 August 2026, SEBI published two studies covering FY25 and FY26. One measured whether individual traders in the equity derivatives segment made or lost money. The other looked at how they actually traded — their frequency, their strategies, their costs, and who they were. Both drew on client-level data from the top 15 brokers, […]
American Express is killing reward multiplier in India — Here’s what it actually means
Starting September 30, 2026, Amex cardmembers will no longer be able to earn accelerated Membership Rewards points through the program. The company informed customers by email on August 26. If you have an Amex Platinum, Gold, or Membership Rewards card, this is one of those changes you’ll actually notice. Reward Multiplier has been an easy […]
