Ojasvi Malik
Founder · AMFI ARN-317605 · NISM-VA Certified
I'm Ojasvi Malik, the founder and proprietor of Vijay Malik Financial Services. The firm is a sole proprietorship named in memory of my father, Vijay Malik, whose own approach to investing — favour costs you can control, distrust stories you cannot verify, never confuse a bull market with skill — is the editorial bias running through everything we publish here.
I am registered with the Association of Mutual Funds in India (AMFI) under distributor number ARN-317605, and hold the NISM-Series-V-A Mutual Fund Distributors Certification, renewed every three years as required by SEBI. The firm does not hold a SEBI Investment Adviser license; we do not offer personalised investment advice or charge advisory fees. Every article on this site is educational content. Every fund page ends with the standard risk disclaimer. The difference between an MFD and an RIA matters — please read our Disclosures page before you act on any of the research here.
My background is in fintech engineering. Before launching this firm I spent eight years building financial data pipelines, scheme-level analytics, and mutual fund ranking systems. The research infrastructure that powers this site — the nightly AMFI NAV ingestion, the PDF factsheet parser covering eight major AMCs, the rolling-returns and alpha-beta computation layer, the Monte Carlo goal-projection engine — is work I wrote and maintain personally. When you read a fund analysis on vmfinancialservices.com, the numbers come from a pipeline I audit regularly, not from a licensed third party that resells the same feed to twenty other apps.
I write about mutual fund tax planning, portfolio construction, and the specific arithmetic errors I see retail investors make on CAS statements. The goal is decision-useful writing — numbers you can plug into your own situation, not generic “start early” platitudes. Every article is date-stamped and cross-checked against the current Finance Act. When tax law changes (as it did in July 2024 for capital gains, and again in the 2026 Budget for the 87A rebate), I update the affected articles and add a revision note at the bottom.
How we get paid: as an MFD we earn trail commissions on Regular-plan mutual fund schemes held by clients who invest through us. We earn nothing on Direct-plan schemes, and Direct plans are recommended across this site when they are the right product. The full commission disclosure is on our Disclosures page. If that creates any conflict of interest with what you read here, the correct response is to cross-check any fund we mention against its AMC factsheet — the numbers will match.
For any correspondence, grievance, or professional enquiry, the escalation path is on our Contact page. If you have a question that you think other readers would benefit from, email it and it may become the next blog post — credited to you or anonymous, your preference.
Credentials & Registrations
- AMFI Registration: ARN-317605 (valid, renewed triennially)
- Certification: NISM-Series-V-A Mutual Fund Distributors Certification
- Firm: Vijay Malik Financial Services (Sole Proprietorship)
- Proprietor: Ojasvi Malik
- Registered as: Mutual Fund Distributor only. Not a SEBI-registered Investment Adviser.
Articles
Understanding SIP: Your Path to Disciplined Investing
A Systematic Investment Plan averages your cost across market cycles, enforces discipline, and compounds even modest ₹500 monthly contributions into serious wealth.
August 15, 2023
Debt Funds vs Fixed Deposits in 2026: What's Actually Better After the Tax Overhaul?
The April 2023 amendment eliminated the LTCG-with-indexation advantage that debt funds held over FDs for two decades. Here is what actually remains in FY 2025-26.
April 18, 2026
LTCG and STCG on Equity Mutual Funds in 2026: The Post-Budget Playbook
The July 2024 Budget raised equity STCG to 20% and LTCG to 12.5% above a ₹1.25 lakh exemption. Here is how to size, time, and harvest gains under the new regime.
April 21, 2026
New vs Old Tax Regime for FY 2025-26: The Honest Comparison
With the Section 87A rebate expanded to ₹60,000 and new-regime slabs redrawn, the old regime now makes sense for a smaller group of taxpayers than ever. Here is how to decide.
April 20, 2026
ELSS vs PPF vs NPS for Section 80C in FY 2025-26: Which Actually Wins?
If you are still in the old regime, Section 80C is worth ₹1.5 lakh of deduction. ELSS, PPF, and NPS Tier-1 are the three serious contenders. Here is the 25-year math.
April 15, 2026
How to Rebalance a Three-Fund Portfolio in 2026 Without Wrecking Your Tax Bill
Rebalancing sounds clinical. Done wrong, it generates a five-figure tax bill for no real benefit. Here is the decision tree that keeps both your allocation and your after-tax returns intact.
April 12, 2026
Index Funds vs Active Funds in 2026: What the Five-Year Data Actually Shows
The passive-vs-active debate is now an empirical question in Indian markets with enough five-year data to answer it properly. The numbers are clearer than the commentary.
April 8, 2026
How to Read a Mutual Fund Factsheet in 15 Minutes
Every AMC publishes a monthly factsheet. They all look different but carry the same twelve signals. Here is the field-by-field reading order that matters.
April 5, 2026
Liquid Funds vs Savings Account in 2026: The ₹10 Lakh Calculation
Your savings account pays 3.0% and is taxed at slab. A liquid fund pays 6.5% and is taxed the same way. Over ₹10 lakh held for 12 months, the gap is worth ₹23,000 after tax. Here is why most people still use the savings account.
April 3, 2026
What the 2026 Budget Actually Means for Mutual Fund Investors
The Union Budget 2026-27 made no headline changes to equity or debt MF taxation — but three smaller provisions affect SIP investors, NPS participants, and debt-fund holders materially.
February 5, 2026
NPS vs Mutual Funds for Retirement in 2026: Running the Full 30-Year Math
NPS forces you to buy an annuity with 40% of your corpus. Mutual funds do not. Over 30 years, does the tax advantage beat the annuity penalty? We ran the simulation.
March 28, 2026
Hybrid Funds in 2026: The Quiet Tax Arbitrage Most Investors Miss
Aggressive-hybrid funds hold 65–80% equity. That one line in the factsheet unlocks the equity tax rate on the debt sleeve — and it is a bigger edge than most investors realise.
March 22, 2026