Bob Ghosh

Financial Planner & Founder

Earthen Capital

LinkedIn X (Twitter) YouTube AMFI Registry bob@earthencapital.in

Last updated: April 2025

About Bob Ghosh

12+ years in Equities and Mutual Funds. An Engineer in Communications, NISM Certified Mutual Funds Advisor, and AMFI Registered Distributor (ARN-345670).

Qualifications & Credentials

✓ NISM Certified Mutual Funds Advisor (NISM-202500139465)
✓ AMFI Registered Distributor (ARN-345670)
✓ 12+ years in Equities and Mutual Funds

Articles by Bob Ghosh

Delaying Your SIP by 1 Year Could Cost You ₹40L
May 18, 2026 · 5 min read

Delaying your SIP by just 1 year can silently cost you ₹20L–₹1Cr. Here's the real math on the cost of delaying SIP — and how to fix it today.
How to Start SIP in India: Beginner's Guide
May 02, 2026 · 10 min read

Learn how to start SIP in India step by step — from KYC documents to picking the right fund. A no-jargon guide for first-time investors.
International Mutual Funds India: A Beginner's Guide
March 26, 2026 · 7 min read

Learn how to invest in international mutual funds from India—benefits, risks, taxation, and a step-by-step guide to going global with your portfolio.
How to figure out your expenses in retirement/FIRE?
February 08, 2026 · 5 min read

Calculate realistic retirement or FIRE expenses by analyzing current spending, adjusting for lifestyle changes, and accounting for healthcare and inflation to determine how much money you will actually need to save.
The Complete Guide to Financial Literacy & Money Management in India
December 15, 2025 · 10 min read

Learn the essentials of financial planning in India — budgeting, investing, debt management & retirement planning. A step-by-step guide for every Indian.
How To Bounce Back From Financial Ruin and Rebuild Your Wealth
November 12, 2025 · 10 min read

Practical guide for recovering from financial disasters and strategically rebuilding wealth through proven methods.
How to Build a ₹1 Crore Portfolio with SIP in India
September 19, 2025 · 7 min read

A practical guide on how to make 1 crore in SIP — step-up strategies, asset allocation, ELSS tax tips, and a timeline that works on any salary.
The Mutual Fund 7-5-3-1 Rule: A Proven SIP Strategy for Wealth
August 18, 2025 · 5 min read

Master the mutual fund 7531 rule to grow your wealth. Learn how this SIP strategy compares to others and how to use a mutual fund calculator to plan.
Mutual Funds Explained: From Basics to Investing
July 16, 2025 · 5 min read

Learn about different types of mutual funds and how they fit into your investment strategy.
Step-by-Step: Build a Retirement Corpus in India with Mutual Funds
March 17, 2025 · 7 min read

Learn how to build a retirement corpus in India with mutual funds. A practical 5-step guide covering SIPs, asset allocation, and compounding — for every age.