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Articles by Sneha Pandey
The RBI’s October pivot is beyond the 25 bps repo rate hike
PRO Panorama For this edition of Moneycontrol Pro Panorama: NBFC gold-loan growth reveals early signs of distress, India expands renewable capa... Read Now
How to Build a More Resilient Fixed Income Portfolio
For fixed income investors, periods such as these often warrant a review of portfolio exposures. Not necessarily because an immediate change is required, but because the backdrop that worked in one rate cycle may not hold in another. The challenge today is not merely the level of rates. Rather, it is the degree of uncertainty surrounding their future trajectory.
RBI at a crossroads: From 'waiting to watch' to 'watching to act'
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Why the US bond markets are repricing fiscal risk and what it means for India?
US Treasury yields rise due to fiscal risks. Investors demand higher premium for US debt. Japan's bond market changes affect global yields. Market Mastery Webinar by Vishal Malkan Find the weak links in your portfolio by Vishal Malkan For much of the post-Global Financial Crisis period, movements in US Treasury yields were largely interpreted through the lens of monetary policy.
Recent legislative actions have ability to influence future bond yields
PRO Panorama For this edition of Moneycontrol Pro Panorama: Rate pause complacency could give way, equities face shifting risks, declining job ... Read Now
Why a rare US-Japan currency move could quietly help India’s bond investors
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Why a rare US-Japan currency move could quietly help India’s bond investors
Some of the most consequential developments in global finance rarely arrive with announcements. Instead, they sometimes unfold quietly, often over a weekend, before their wider implications begin to surface across markets and geographies. Such was the case on July 31, when the Federal Reserve Bank of New York, acting on behalf of the US Treasury, participated alongside the Bank of Japan in a coordinated foreign-exchange operation involving purchases of the yen and sales of euros.
What rising foreign interest in Indian bonds signals for fixed income investors
PRO Panorama In this edition of Moneycontrol Pro Panorama: India weighs continuity against fresh semiconductor policy, improving fundamentals c... Read Now
Inflation is back above 4% – will the RBI hike rates?
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Inflation is back above 4% – Will the RBI hike rates?
India’s June inflation print has done exactly what headline numbers tend to do – it has grabbed attention. Retail inflation accelerated to 4.38%, moving above the Reserve Bank of India’s 4% target after remaining comfortably below it in recent months. Predictably, the immediate question across financial markets is whether this changes the RBI’s interest rate trajectory. The short answer is: Probably Not. A central bank may not react simply because inflation crosses a numerical threshold.
Raghuram Rajan's 2013 playbook: Why the RBI just pulled it out again
Sneha Pandey The RBI's latest capital inflow measures announced in the June 2026 policy meet is not merely about the rupee – It is about buying time. As higher oil prices, geopolitical tensions and external-sector pressures threaten to narrow the central bank's policy options, the RBI has chosen an alternative to interest-rate hikes: attract foreign capital.
India's second chance at the Bloomberg Index is worth the wait
PRO Panorama In this edition of Moneycontrol Pro Panorama: AI disruption slows jobs and squeezes incomes, gold demand weakens amid changing eco... Read Now
Why the government wants Indians to pause gold buying?
India’s bond with gold has always been layered and complex. We revere it in temples, exchange it at weddings, pass it down through generations, pledge it in times of need, and quietly measure our sense of security against it. In households, gold is far more than an investment – it is prestige, security a memory and tradition fused into a single gleaming metal. Prime Minister Narendra Modi’s recent appeal asking Indians to “pause” gold buying carried unusual significance.
For bond investors, is resilience the new alpha?
Why capital preservation may be a more important consideration in India’s debt markets today. The investing strategies that can lead to that outcome May 06, 2026 / 09:03 IST
The quiet stress building in U.S. private credit – and how it could impact your portfolio
Over the past few months, financial headlines have increasingly featured terms like “stress,” “withdrawals,” “defaults,” and “opacity” alongside what was once a niche segment: private credit. Reports of investors pulling capital, loan quality weakening, and funds imposing withdrawal limits have raised concerns, with some questioning whether this could signal the early stages of a broader disruption.
The rebirth of ‘Municipal Bonds’ could trigger new investment opportunities
For decades, India’s urban infrastructure was funded by a mix of state grants and bank loans, leaving the bond markets as a mere footnote. However, following the Union Budget 2026-27 announcement of a ₹100 crore incentive for large-scale issuances, the narrative is now likely to shift from mere philanthropy. For twenty years, the Indian municipal bond market was a graveyard of good intentions.
Is your portfolio ready for the FY27 budget?
In August 2025, India celebrated a milestone with its sovereign rating upgrade. This was achieved on the back of a sharp fiscal correction from the FY21 peak deficit of 9.2% to 4.5% of GDP (Gross Domestic Product). Looking ahead, however, the pace of fiscal consolidation is expected to slow.
Why debt funds didn't rally in 2025 - and will 2026 be any different? - Economy Explained News
Over the past year, India’s bond market has been on a quiet but consequential journey. At first glance, the script seemed straightforward: inflation was easing, growth needed support, and the Reserve Bank of India (RBI) had begun nudging interest rates lower. For bond investors, that usually signals one thing – falling yields and rising prices. But as we’ve seen, the market had its own plans. Even as expectations of monetary policy easing gathered pace, bond yields refused to cooperate.
The diversification trap: Why owning 20 mutual funds might be your biggest mistake
Most investors start their investment journey with a simple thought: “To stay safe, I need to diversify.” This instinct is not misplaced — diversification is indeed a powerful principle. However, in practice, many investors unknowingly adopt approaches that appear diversified but fail to receive the true benefits of diversification.
Rs 88 to the dollar, but no panic: Inside India's surprising currency story - Economy Explained News
It’s been a long, turbulent journey for the Indian Rupee (INR) in 2025. Amid a shifting global monetary backdrop, policy uncertainty in the US, and persistent domestic headwinds, the INR has found itself trapped in a perfect storm. The dollar, after a historically poor showing this year, appears poised at a critical inflection point. As we look ahead to March 2026 and beyond into FY27, the question emerges: where is the rupee really headed? This isn’t just a currency story.
The truth behind the 12-14% returns in bonds
The allure of high returns has always been a major draw for investors, especially in an environment where interest rates seem stagnant. Recently, there’s been a significant buzz in India’s fixed-income market with bonds offering returns as high as 12-14%. It’s hard to ignore the appeal of such attractive yields, particularly when many of these instruments are seen as low-risk. The temptation is understandable – why settle for a 6-7% return on a government bond when you could pocket 14%?
Equal? Not Even Close.
Women earn ₹40 for every ₹100 men make, do 3x more unpaid labor, and get punished for having a voice. Equality is still a myth. Press enter or click to view image in full size It’s surprising and disheartening for me to write this blog in 2025 when technology is moving faster than we can blink. The world is preparing for Mars missions, AI is writing novels, and billionaires are shaping the economy.
Why Do We Rewatch Comfort Movies and Shows?
Why Do We Rewatch Comfort Movies and Shows? There’s a moment, after a quietly difficult day, when the last thing I want is something new. I don’t want a new story or a new challenge, not even a “must-watch” TV series everyone is talking about. Something I’ve been through before. A comfort rewatch that will unfold exactly as it did the last time, because right now, unpredictability is the last thing I need.
I Learnt the Hard Way
Kindness is free until it costs you your peace. I’ve always been a generous person. Not saying I’m perfect or great, but yeah, I’ve genuinely tried to make people feel comfortable, cared for, and happy. Not because I expect anything in return. That’s just… me. I still remember my grandfather saying, “If you ever have a choice, always be on the kind side. Be kind to people, make them comfortable.” And honestly, that’s how he raised me. Growing up, this idea didn’t always work well for me.
6 Months, 6 Books, 6 Lessons
A Half-Year Check-In from a Reader Who Never Really Slumps People who know me know the kind of reader I am. I read — no matter what. There have been times when I thought I was in a reading slump. I would feel disconnected from books, barely able to finish a few pages. But once, a friend said something that stuck with me: “Sneha, do you go around reading random articles when you sit, like on Medium or any other website?” I said yes.
Using AI vs. USING AI
The difference between using an AI for you, and USING AI to be you! I have been noticing a trend lately. A trend that has become deeply ingrained in how many people approach their everyday tasks, thanks to the help of AI. The trend of USING AI for almost EVERYTHING! AI bots have become the go-to for answering questions, finding recipes, writing content, and whatnot. Tools like ChatGPT, Gemini, Grok, DeepSeek, and many more have become our digital assistants, always ready and always available.
The art of Feedback: Technical writing edition
Technical writing doesn’t end with the last full stop. Behind every high-quality document lies a solid feedback process that shapes clarity, accuracy, and usability. Feedback, whether from peers, subject matter experts (SMEs), or users, is essential to creating effective documentation. But giving and receiving feedback can be challenging, especially when it’s poorly structured, unclear, or perceived as overly critical.
Fermented Rice: India’s Ancient Gut-Healing Summer Staple”
From village kitchens to wellness trends — why this humble summer meal deserves a revival. For all the Indians who have been a fan of Pakhala, Panta bhaat, or anything else that you have named this summer booster as, read the full blog for free here: Every summer, when the mercury soars past comfort, I find myself instinctively craving simpler foods. Something that’s light, cooling, and nourishing.
The Silent Pillars: Stories of Elder Daughters
This is for all the quiet caretakers, the emotional anchors, and the girls who became women before they were ready. I have started and stopped writing this so many times, unsure how to describe a feeling that doesn’t quite have a name. But maybe you’ll recognize it, too. It’s the ache of being a child and a caregiver at the same time. The fatigue that settles in your bones from always being “the strong one.” The invisible badge of responsibility you never asked for but never dared take off.
12 Subtle Ways You’re Destroying Your Relationship
It doesn’t always end with betrayal. Sometimes, it ends with a joke that wasn’t funny or a silent dinner during which both of you are scrolling your phones. This isn’t a blame game. It’s a wake-up call. Most relationships don’t fall apart overnight. They slowly rot from the inside over months, even years. And often, the people inside them don’t even notice… until it’s too late. We think the end of love is dramatic. Explosive. Messy. But sometimes, it’s quiet. It’s someone going cold.
The Emerging Trend of Alimony Claims Shortly After Marriage: A Legal Perspective
Sneha Pandey · Follow 5 min read · -- The Emerging Trend of Alimony Claims Shortly After Marriage: A Legal Perspective Abstract Alimony, traditionally understood as financial support awarded to a spouse post-divorce, has seen an evolving trend where claims are made soon after marriage. This article examines the legal, social, and economic implications of such claims, analyzing judicial precedents, statutory provisions, and their potential misuse.
What If Technical Writers Were K-Drama Characters?
A story of deadlines, drama, and unexpected plot twists! Sneha Pandey · Follow 5 min read · -- Technical Writers into K-drama world I have been a die-hard K-drama fan for as long as I can remember. Something about how these stories blend romance, comedy, drama, and unexpected plot twists keeps me coming back for more. And when life gets too overwhelming, I always find comfort in rewatching my all-time favorites.
1 Big Mistake I Made When I Was First Getting Started In The Writing Industry
Sneha Pandey · Follow 3 min read · -- Mistakes happen especially in the writing industry Like most beginners, I made many mistakes when I started in the writing industry. Some were small, some were big, and then there was the biggest mistake of all. One mistake that set me back for years. 🚨 I undervalued my work. And I didn’t realize it at first, and it took a long time to realize it finally. When I landed my first writing job, I was delighted. I had finally entered the world of professional writing.
11 Subtle Red Flags That Scream Cheating (But We Ignore Them)
Been there? Done that? And now your instinct is sharp as a knife, but the words still fail to flow? Sneha Pandey · Follow 4 min read · -- Ever noticed how cheating doesn’t happen all at once? It doesn’t start with a confession. It doesn’t begin with betrayal. It starts small, so small that you almost miss it. It starts with the gut feeling you push aside, the little changes you pretend not to see, the voice inside you whispering, “Something isn’t right,” but you silence it because love is louder.
Why I Stopped Reading Self-Help Books on Financial Freedom
Member-only story Sneha Pandey · Follow 5 min read · -- Do Self-Help books really help? Never did for me, though! Self-Help books on Financial Freedom never worked for me I know this may sound strange to many of you, but I am not a great fan of Financial Freedom Self-Help books. I feel they do more harm than help someone. I know this is controversial, but these are my personal opinions based on my experience reading so far. How can manifestation ever be a source of getting wealthy?
Five Books That Changed My Perspective on Love
Ah, February! The month of love! 💕 Sneha Pandey · Follow 4 min read · -- Books have a weird way to shape your Life, and that includes your love life! With Valentine’s Day in the middle and a whole “Valentine’s Week” dedicated to different expressions of love, you can’t help but think about all things love. You see couples celebrating love in every manner, from chocolates and roses to grand gestures and sharing all goofy pictures on social media.
The Surprising Strong Connection Between Travel and Good Mental Health
Sneha Pandey · Follow 5 min read · -- Exploring the connection between travel and mental health No, this blog is not about my depression and strangled mental health, but about how I realized being in different places helps enhance and boost your mental health. Being from a sophisticated middle-class family, my parents were never into trips and travels. So, I never spent my summer vacation at my grandmother’s house on the city’s outskirts or traveled to different cities with my parents.
The Burden of a So-called Over-Ambitious Dreamer
“Don’t be such a bore. Why do you have to overdo and over-achieve everything?” — Sounds familiar? Me too! Sneha Pandey · Follow 6 min read · -- Image created with Canva You are “over-ambitious”. I’ve heard it more times than I can count. My parents, relatives, colleagues, even close friends — they all seem to think I’m pushing myself too hard or dreaming beyond what’s realistic.
Are AI-detection Tools a Scam?
Sneha Pandey · Follow 5 min read · -- For all those genuine writers who have been victims of AI-detection tools, I feel you! Image created by author with Canva As AI-generated content becomes more common, many writers face a frustrating issue — their original work is often marked as AI-written. This “AI detection hype” creates doubt about the authenticity of human writing and undermines the skill involved in creating real content.
The Best Book That Fulfilled The Big Screen Expectations
Are you the book reader who gets anxious over book-to-movie adaptations? I feel you! Join me as we uncover the hits and misses of one of my favorite book and movie adaptation! Sneha Pandey · Follow 6 min read · -- The first book-to-movie adaptation that worked well for me: Angels and Demons Ever since I was a kid, books have been my ultimate escape. There’s something about getting lost in the pages of a well-written story that feels like a comforting, familiar world.
Make Your Worst Blog Into Successful Technical Writing Career
It’s all about the journey. My worst blog post about a programming language motivated me to choose my current love: technical writing. Sneha Pandey · Follow 6 min read · -- How I transformed my worst blog into a successful technical writing career. I’ve been asked this question countless times: Why did I choose technical writing when my background is in literature and journalism? Honestly, I never thought I’d end up working in technology. In fact, I wasn’t even remotely interested in tech.
How not to kill your co-worker?
Ever thought about accidentally throwing a stapler at that one colleague who tests your patience daily? 😅 Yeah, me too. We’ve all had those moments! But before you plot your next move, let’s talk about handling toxic co-workers without losing your cool — or your job. 😜 😝 Sneha Pandey · Follow 6 min read · -- We’ve all been there — stuck in an office or on a team with that one colleague who drives us up the wall.
I really need your help.
Switching from Life to Light! Sneha Pandey · Follow 2 min read · -- I have been actively discussing mental health, life, and philosophy on my Medium account, which has been great. It’s a place where I can freely express and journal about my life and feelings. However, I feel like I’ve become too repetitive with my topics. I still want to discuss life and mental health, but there’s so much more I want to explore as well.
Is Social Media Driving the Current World?
If you are new to this space, I talk about mental health and everything in and around it, and this blog is a part of the A to Z series of Mental Health. Sneha Pandey · Follow 6 min read · -- Like many of you, I also find myself spending a good portion of my day on social media platforms like LinkedIn and Instagram. While it is sometimes really helpful and informative, it becomes difficult to stop, and I spend hours scrolling my phone.
Not in a Mood Today
We all know about procrastination, right? A foe that has been with us in and out. This is a continuation of the A to Z series of Mental Health. We’ve all had those days when we wake up feeling off, disconnected, or not in the mood. It’s a shared experience that can leave us frustrated and unsure of how to navigate our emotions. While we struggle to get through our chores, we give birth to procrastination.
Knot of Life
Not a “Mental Health Awareness” topic, but a continuation of my A to Z series of Mental Health. This blog is about us — about me, you, and many others who crave understanding. It’s for everyone navigating the twists and turns of life, trying to make sense of it all. Before diving into some intense thoughts, let me apologize to anyone who might be offended. We’re all unique individuals, each with our own personalities.
Modeling of the Network Mediated by IL-36 Involved in Psoriasis
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Modern Feminism - Inclusive and Diverse
The feminist movement has come a long way since its inception. From the days of bra burning to intersectional feminism, the movement has grown and evolved. And it's about time we start taking modern feminism seriously. So this " International Women's Day ", let's understand what Feminism and modern Feminism mean to women and the world. Some people might think feminism is outdated, but they couldn't be more wrong. In today's world, we need feminism more than ever.
Job Interviews - A Never-ending Loop
Job Interviews - Let's admit, this is a scary, nerve-wracking and sometimes grievous experience - We all have been there. Right? No matter how prepared you are, the lumps in your heart and stomach stay intact. But do the hiring managers feel the same? With a professional experience of more than 5 years, I have at least attended 50 interviews to land that one perfect job.
Workplace Culture - Necessity of the time
We’ve experienced a lot of events in the last few months that have left us scratching our heads and wondering, “Did that just happen? With layoffs, corporate acquisitions, company closures, recession, etc., hundreds or thousands of lives have been abruptly disrupted, which has multiplied an impact on families and communities. This highlights the importance of “workplace culture” or “business culture.” Workplace culture encapsulates a company’s identity and core values.
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