Loading…
Loading…
INDEPENDENT CREATOR · ORBITMINDS
Founder & Educational Finance Writer
I write plain-language money guides and build free finance tools for everyday Indians.
I'm Rakesh Prajapat—a developer who builds OrbitMinds to make loans, taxes, and investing easier to understand for everyday Indians. No product sales, no stock tips—just clear explanations and free tools.
Not financial advice. I'm not a certified financial advisor, CA, or SEBI-registered investment adviser. OrbitMinds is for learning only—verify important decisions with qualified professionals.
Topics I explain
EXPERIENCE
I'm Rakesh Prajapat—a developer who started OrbitMinds to explain money in plain language and build practical tools I wished existed when I was learning personal finance.
I design and maintain finance calculators (EMI, SIP, FD, and more) using standard formulas you can verify. I write guides for Indian readers: first salary budgets, loans, taxes, and long-term investing basics—without product pitches or stock tips.
When rules matter, I reference publicly available information from RBI, SEBI, AMFI, and government sources. I update articles when regulations or best practices change.
EDITORIAL STANDARDS
How I approach finance education—with clarity, sources, and respect for your decisions.
I cite RBI, SEBI, AMFI, and government sources where rules and definitions matter.
Complex finance topics broken into clear language—no jargon walls.
WHAT I COVER
Practical money topics for everyday Indians—from first salary to long-term goals.
Building habits and understanding where to park money safely.
Long-term wealth basics without hype or speculation.
Systematic investing explained in plain, practical terms.
Important to know
OrbitMinds is an educational platform and informational resource. Content is intended for learning purposes only and should not be considered financial, investment, or tax advice. I do not provide investment recommendations, stock tips, or certified financial planning services. Always verify important decisions with qualified professionals and official sources.
LATEST GUIDES
Showing the latest 10 of 20 guides.
Tools use standard financial formulas you can verify, not black-box estimates.
I explain concepts and options—I do not recommend specific stocks or products.
Assumptions, limitations, and how numbers are derived are stated openly.
Sources I reference: Publicly available information from trusted financial and government bodies including RBI, SEBI, AMFI, and the Income Tax Department. See sources & methodology
ITR, deductions, and compliance guidance for beginners.
Realistic monthly plans that fit Indian salaries and lifestyles.
EMI, eligibility, and borrowing decisions made transparent.
Smart usage, scores, and avoiding common debt traps.
Goals, emergency funds, and step-by-step money roadmaps.
SIP or FD — which one actually makes sense for you in 2026? This honest, jargon-free guide breaks down returns, risk, safety, and real-life scenarios so you can finally decide without the confusion.
Updated 23 May 2026
10 more articles on the blog
