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Vikalpa Chronicles

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Perspectives on wealth, investing, and the decisions that shape financial futures — written plainly, for people who want clarity.

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Tax-Efficient Inheritance Planning in India — What Changes After a Death in the Family

Risk Assesments 06 Aug 2026

Tax-Efficient Inheritance Planning in India — What Changes After a Death in the Family

There's a piece of half-true information that circulates in almost every Indian family: "India doesn't have...

Business Succession Planning in India — A Step-by-Step Guide for Family-Owned Businesses

Risk Assesments 06 Aug 2026

Business Succession Planning in India — A Step-by-Step Guide for Family-Owned Businesses

There's a statistic that gets repeated in every succession planning conversation, and it's repeated because...

Corporate Governance for Family Businesses: Why It's Not Just for Listed Companies

Risk Assesments 06 Aug 2026

Corporate Governance for Family Businesses: Why It's Not Just for Listed Companies

"We're a private, family-run business — governance is something listed companies worry about, not us." We he...

Term Insurance vs Endowment Plans: What Actually Protects Your Family

Risk Assesments 06 Aug 2026

Term Insurance vs Endowment Plans: What Actually Protects Your Family

If an insurance agent has ever told you "why buy pure term insurance when you get nothing back — buy an endo...

How Much Health Insurance Cover Do You Actually Need in India (2026)?

Risk Assesments 06 Aug 2026

How Much Health Insurance Cover Do You Actually Need in India (2026)?

Most families answer this question by copying a number — ₹5 lakh, because that's what their employer provide...