Deepa Krishnan, CFP – Retirement & Savings Specialist at CalcPhi India

About Deepa Krishnan

Deepa Krishnan is a Certified Financial Planner (CFP) with over 8 years of experience in holistic financial planning for Indian investors. Her practice focuses on retirement corpus planning, government-backed savings instruments (PPF, NPS, SCSS), and fixed-income portfolio construction. She has helped clients across income brackets design tax-efficient savings strategies that balance growth, safety, and liquidity. At CalcPhi, Deepa reviews all calculator content related to PPF, NPS, FD, and RD — verifying formulas against PFRDA guidelines, RBI notifications, and official PFRDA-published annuity rates. Her content is designed to give retail investors the same clarity that financial advisors provide their private clients.

Articles by Deepa Krishnan

Editorial Independence

All content produced by Deepa Krishnan for CalcPhi is editorially independent. Calculator results and written content are never influenced by advertising relationships or affiliate commissions. All rates and regulatory figures are sourced directly from CBDT, AMFI, RBI, SEBI, or PFRDA publications. See our editorial standards for full details.

Approach to Financial Guidance

Deepa Krishnan approaches every article by asking: what does a financially literate reader actually need to make this decision with confidence? That means going beyond regulatory definitions to explain practical implications — who benefits, who doesn't, and what the numbers look like across typical income and wealth levels.

All tax figures are cross-checked against CBDT notifications and the Finance Act applicable for the current assessment year. Mutual fund return projections distinguish between XIRR and CAGR where the distinction matters for reader decision-making. Every worked example uses Indian number formatting (₹ with lakh/crore) and AY/FY pairing to match how Indian readers think about their finances.

Investment comparisons account for the post-tax returns after applicable TDS, LTCG, STCG, and surcharge — not pre-tax nominal rates that overstate what investors actually keep.

All CalcPhi articles authored by Deepa Krishnan are reviewed by a second qualified team member before publication. Regulatory figures are updated within 48 hours of any relevant notification or rate change.