Expert Talk Feb 2026
Ways to calculate Return on Investment
You just received as a graduation present a cash of Rs. 50,000 from your uncle. He urged you to spend it well , not to waste it. At this stage, you understand mutual funds, fixed deposits and stocks as means of investment.
In your research you have found several methods of calculating Return on investment ( ROI ) -Absolute Return, CAGR, XIRR and even opportunity cost. You are figuring out that the measure of returns is the key to making smart financial decisions.
Now you have the desire to go deeper into these concepts and to use them in your own plan of investments.
Taxation
Now you know that taxes are not only something, which grown-ups pay, but they also determine the economy of the whole country, government policies, and even the way the parents may receive money in the salary.
Your instructor demonstrated to you how tax helps finance government-sponsored services such as schools, hospitals, roads and even digital infrastructure. One day your uncle will tell you how he was forced to change his model of doing business when a new tax policy was offered.
This left you with the questions of how tax works, why it is important, and how students just like you could enlighten themselves and prepare at an earlier age of their lives about the tax effects.
Sharing the Rent, Instant Gratification and Overspending
You are going to college probably even out-of-town and your parents gave you some money to take care of your expenses. One day, you happen to hear two seniors chatting on how they had difficulties financially due to their poor budgeting habits, peer influence, and shopping too much on items such as branded clothes, parties, and gadgets.
This will make you understand that money does not mean freedom, there are many things to take care of and responsibilities especially when you are staying outside your home for the first time.
Profit Margin, Markup,Return on capital in business
You have just begun working on a small business project with your friends, one that involves creation of a mobile application that will enable students to better manage their finances. In your research, you are examining profit-making in business, pricing mechanisms by business and business success is measured by such financial indicators as profit margin, mark up and return on capital.
This has made you curious about:
What makes a business successful
- How pricing strategies affect profitability
- Why some businesses grow fast while others struggle
- Now, you want to explore these concepts more deeply and apply them to your own business idea.
Personal guarantee and Debt Collectors
You are about to enter your last year in school and you are going to apply to colleges. Suddenly one day your best friend, Rohan, says to you that he would like to open his own online coaching center start-up where students can be trained on how to take competitive exams such as JEE, and NEET. He is sure of the idea and even managed to find a person who is ready to invest in it, however there is a twist.
The investor is ready to invest in a project partially only and is interested in the person with a stable income or assets signing a personal guarantee in favor of the rest amount. Being a recent graduate, Rohan has no property and no salary; so, he asks you to sign the personal guarantee, this is not as a partner, but as an incentive to convince the bank to get the loan.
You are now confused as to whether to back your friend or not. Now you are faced with a choice of either to say a yes to your friend or to say a no as well as comprehending the meaning of signing a personal guarantee; this most especially in your age.
GDP
You have just read the article about the measures of comparison of the countries by use of GDP and this attracted your attention. Your economics teacher told you that GDP is not merely a figure as it shows how effective a nation is in its management of resources, growth and development.
It all seemed like a curiosity to you, which led to searching how India fares in GDP, in comparison with other countries in the world, the impact it has on employment, inflation and even your career opportunities later on in life. You learned that GDP can make you learn not only about the economy, but also how to devise plans about your life tomorrow based on the decision you might make today.
Now, you are interested in getting deeper into the factors that motivate GDP, as well as the methods of measuring GDP and the importance of such a material to the students who are like you and make the future of this economy.
Demat
You have now discovered the fact that investing in the stock market is one of the best means of growing your money in the long term. Your uncle explains that he began making investments when he was already in school by opening a Demat account which is like a bank account but only that you keep the shares there instead of cash.
Having heard his story, you are interested to know more about Demat accounts, what are the advantages it has, and whether it is also handy to any student or young investor like you.
Now you are prepared to know more on how you can open, manage and enjoy a Demat account and how it will feature in your future financial planning.
Business Finance
You have finally decided to run your own student-owned business; a small cafeteria at a school function, a stationery store, or a digital graphic design and print service shop maybe? You are psyched on the idea but understood that it is not that easy to make money to sell things.
Your teacher explains to you that the knowledge about the sources of finance, profit calculations, assets, liabilities, and financial statements will enable you to manage your business successfully and prevents the most frequent errors such as overspending, underpricing, or the failure to gather a significant amount of money to cover the emergency situation.
You are in the mood to get to know how to take wise financial steps regarding your business, and how the actual firms manage their finances as well.