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
- Best SIP Amount by Salary in India 2026 — How Much Should You Invest?
- CAGR vs XIRR: Which Return Metric Should You Use for Mutual Funds?
- Direct vs Regular Mutual Funds: The Hidden Cost You're Paying Every Year
- EPF Balance: How to Check, Calculate, and Actually Maximise Your Corpus
- ESOPs in India: How to Calculate Your Real Gains and Minimise Tax
- Financial Planning in Your 30s India 2026 — 10 Money Moves That Change Everything
- Home Loan Prepayment vs Investing: Which Gives You More Wealth?
- Home Loan vs Renting in India: What the Real Numbers Say in 2026
- How to Choose the Best SIP Fund in 2026 – A No-Nonsense Guide
- NPS Tier 1 vs Tier 2: How to Use NPS Smartly for Tax and Retirement
- Personal Loan EMI Calculator: What That 11% Interest Rate Actually Costs You
- Salary Increment Negotiation: How to Frame Your Ask With Numbers
- SIP Returns: What 12% Annual Return Actually Means Month to Month
- SIP vs FD: Which is Better for Indian Investors in 2026?
- SIP vs Lumpsum Investment: Which Strategy Works Better?
- Under-Construction vs Ready-to-Move Property: A Full Financial Comparison
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.