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Priya Sharma, Investment Analyst & CFA Charterholder at CalcPhi
CFA

Priya Sharma

Investment Analyst & CFA Charterholder

About Priya Sharma

Priya Sharma is a CFA charterholder with over 10 years of experience in equity research and mutual fund analysis across Indian capital markets. She has worked with leading asset management firms evaluating large-cap, mid-cap, and multi-asset strategies. Her research has been cited in financial publications covering AMFI-published return data and SEBI-regulated fund performance. At CalcPhi, Priya oversees the accuracy of all investment calculator methodologies and writes content on SIP strategy, lumpsum investing, and long-term wealth planning. Her work is grounded in primary financial data from AMFI, NSE, and BSE rather than commentary.

Articles by Priya Sharma

Editorial Independence

All content produced by Priya Sharma 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

Priya Sharma 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 Priya Sharma are reviewed by a second qualified team member before publication. Regulatory figures are updated within 48 hours of any relevant notification or rate change.

Data sources: Rates and regulations sourced from the Securities and Exchange Board of India (SEBI), the Reserve Bank of India (RBI), and the Income Tax Department of India. Updated for FY 2026-27. For personalised advice, consult a SEBI-registered investment adviser.