Free-tier stack for a solo developer in India, 2026 edition
An honest audit of the services I run oriz.in on for zero rupees a month, with India-specific notes on PAN, UPI, and INR-friendly providers.
#india
Tools 9 min finance 14 Best Lifetime Free Credit Cards in India 2026: Complete Guide
A comprehensive guide to lifetime free credit cards in India for 2026 covering Amazon Pay ICICI, IDFC FIRST, Scapia Federal, and other no-annual-fee cards wi...
life 13 Credit Score Improvement: Practical Steps for Indians
Complete guide to improving your CIBIL credit score in India. Learn practical steps, common mistakes, and strategies to reach 750+ score for better loan rates.
invest 16 Deep Value Investing: Finding Low P/E, Low P/B Stocks in India
Master deep value investing in Indian stock markets. Learn to find undervalued stocks using P/E, P/B ratios, screeners, and fundamental analysis on NSE and BSE.
finance 15 FIRE Movement India: How to Retire Early on Indian Salary
Complete guide to achieving Financial Independence Retire Early (FIRE) in India. Learn the 4% rule, corpus calculation, investment strategy, and step-by-step...
life 14 GST Calculation Guide for Freelancers in India
Complete GST guide for Indian freelancers. Learn registration threshold, calculation, filing, input credit, and compliance requirements for freelance busines...
tax 13 HRA Exemption Calculator and Complete Claiming Guide
Complete guide to HRA exemption in India. Learn how to calculate HRA, claim tax benefits, submit rent receipts, and optimize your tax savings as a salaried e...
health 13 Jan Aushadhi Generic Medicines: Price Guide
A comprehensive guide to Jan Aushadhi generic medicines in India covering price comparisons with branded medicines, savings calculations, quality assurance, ...
invest 16 Mutual Fund Categories Explained for Beginners in India
Complete guide to all mutual fund categories in India. Understand equity, debt, hybrid, and solution-oriented funds with examples, risk levels, and when to i...
tax 13 NPS Tax Benefits: Section 80CCD(1B) Complete Guide
Complete guide to NPS tax benefits under Section 80CCD(1B). Learn how to claim additional Rs 50,000 deduction, employer contributions, and maximize retiremen...
tax 15 Old vs New Tax Regime: Complete Guide for FY 2026-27
A comprehensive decision framework for comparing Indian old and new tax regimes with detailed calculations, deduction analysis, HRA optimization, and real sa...
finance 14 P2P Lending in India: Complete Risk and Returns Framework for 2026
A comprehensive guide to peer-to-peer lending in India covering LenDenClub, Faircent, IndiaP2P returns, risk management, tax implications, and portfolio cons...
compare 15 P2P Lending Platforms India 2026: Full Comparison
Detailed comparison of top P2P lending platforms in India 2026. Compare LenDenClub, Faircent, IndiaP2P on returns, risk, features, fees, and user experience.
tax 14 Section 80C: Complete Deduction Guide FY 2026-27
Ultimate guide to Section 80C tax deductions for FY 2026-27. Learn about ELSS, PPF, life insurance, home loan, tuition fees and maximize your Rs 1.5 lakh ded...
invest 15 SIP vs FD vs PPF vs NPS: Where to Put Your Money in 2026
Detailed comparison of SIP, FD, PPF, and NPS for Indian investors in 2026. Returns, tax benefits, liquidity, risk analysis with real calculations to help you...
finance 13 Complete Guide to Zero-Brokerage Trading in India 2026
A comprehensive guide to zero-brokerage trading in India covering discount brokers, hidden charges, statutory fees, and how to minimize your total trading co...
Health & Medicine Part 52: Pharmacological Economics — The 'Half-Life/Price' Value Rankings
Identifying the most cost-effective long-acting substances in the Jan Aushadhi portfolio. Rankings based on Half-Life per Rupee of daily dosage. Expanded to include 350+ formulations.
Health & Medicine Part 1: Codeine Phosphate — Complete Pharmacology, Pricing & Legal Guide for India
An exhaustive 2000+ word educational guide to Codeine Phosphate in the Indian context. Covers 24+ brand names with prices from 1mg, Jan Aushadhi status, CYP2D6 metabolism, lethal doses, NDPS Act regulations, and harm-reduction resources. Data as of May 2026.
Health Part 1: Dismantling the Cultural Shame
Why the guilt you feel about masturbation is culturally installed, not biologically true. How to unlearn the shame and accept your body's natural functions.
Self-Improvement Part 5: Friendship, Attraction, and Being Bisexual
Navigating your 20s while questioning your sexuality, and how to maintain healthy boundaries.
Relationships Part 1: The Reality of Hookup Culture in Your 20s
Understanding the modern dating landscape in India, the psychological shift from hometowns to big tech cities, and figuring out what you actually want from physical relationships.
Relationships Part 3: Safe Sex 101 (For All Orientations)
A comprehensive, practical guide to barrier methods, STI testing, and taking responsibility for your sexual health in your 20s in India.
Relationships Part 4: Navigating Dating Apps in India
A deep dive into the digital dating ecosystem in India. How to use Tinder, Bumble, and Grindr effectively without burning out or compromising your peace.
Relationships Part 6: Exploring Bisexuality Safely and Confidently
How to navigate your 20s as a bisexual man in India, dismantle internalized shame, and explore same-sex attraction safely.
Healthcare Jan Aushadhi Encyclopedia Part 2: Economics & The \"Brand Tax\" Elimination
How Jan Aushadhi Kendras achieve 50-90% discounts by removing marketing costs and leveraging centralized procurement.
Finance The Ultimate Directory of P2P Lending Platforms in India (2026)
A comprehensive 8-part series exploring all 50+ P2P lending platforms, license holders, and investment gateways active in India. Verified returns, NPA data, and AUM rankings.
Finance P2P Directory Part 1: The Giants — LenDenClub, LiquiLoans, Faircent, and Lendbox
Analysis of India's largest P2P lending platforms by AUM and disbursement. Comparing scale, returns, and current NPA rates.
Finance P2P Directory Part 4: Social Impact & Transparency — Rang De and Niche Platforms
How social impact P2P lending works in India. A deep dive into Rang De's mission-driven model and the 0.31% default rate.
Finance P2P Directory Part 5: The New Entrants (2025-26) — 1 Finance P2P, 5Paisa P2P, and More
Reviewing the newest P2P lending platforms in India. A focus on 1 Finance P2P's early performance and 5Paisa's brokerage-linked P2P offering.
Finance P2P Directory Part 6: Investment Apps & Gateways — CRED Mint, MobiKwik Xtra, and BharatPe
How most Indians actually invest in P2P: through gateway apps. Understanding the partnerships between apps and RBI-licensed NBFC-P2P platforms.
Finance P2P Directory Part 7: Performance Analysis — NPA, AUM, and Return Comparison Table
A head-to-head comparison of Indian P2P platforms based on key performance metrics. Comparing LenDenClub vs Faircent vs IndiaP2P vs Lendbox.
Health & Medicine Drugs of Abuse: A Clinical Reference Guide for Healthcare Professionals
An educational pharmacology reference cataloging prescription and OTC drugs commonly diverted for recreational misuse, organized by drug class with salt names, mechanisms, side effects, and Indian scheduling.
Health & Medicine Opioids (Mild): Codeine, Tramadol, and Tapentadol
A clinical pharmacology reference on Codeine, Tramadol, and Tapentadol — their legitimate uses, mechanisms, why they are abused, side effects, and Indian scheduling.
Health & Medicine Anabolic Steroids and Performance-Enhancing Drugs
A clinical reference on Nandrolone, Stanozolol, Testosterone, and hGH — substances diverted from medicine into gyms and athletics for performance enhancement.
Health & Medicine Opioids (Strong): Morphine, Fentanyl, Pethidine, and Buprenorphine
A clinical pharmacology reference on the strongest opioid analgesics — their legitimate uses, mechanisms, why they are diverted, side effects, and Indian scheduling.
Health & Medicine Benzodiazepines: Alprazolam, Diazepam, Lorazepam, and Clonazepam
A clinical pharmacology reference on the most commonly abused benzodiazepines in India — their salt names, mechanisms, side effects, and signs of abuse.
Health & Medicine Z-Drugs and Sedatives: Zolpidem, Zopiclone, and Nitrazepam
A clinical pharmacology reference on non-benzodiazepine hypnotics and older sedatives commonly abused for their trance-like and euphoric effects.
Health & Medicine Gabapentinoids: Pregabalin and Gabapentin
A clinical reference on Pregabalin and Gabapentin, the rapidly emerging class of abused nerve-pain medications, covering their pharmacology and abuse patterns.
Health & Medicine Stimulants: Methylphenidate, Modafinil, and Amphetamines
A clinical pharmacology reference on CNS stimulants used for ADHD and narcolepsy that are commonly abused for cognitive enhancement and euphoria.
Health & Medicine Dissociatives: Ketamine, Dextromethorphan, and Nitrous Oxide
A clinical pharmacology reference on NMDA antagonists diverted for recreational use, covering Ketamine, DXM, and Nitrous Oxide.
Health & Medicine Anticholinergics and Antihistamines: Promethazine, Diphenhydramine, and Trihexyphenidyl
A clinical reference on OTC and prescription drugs abused for their deliriant, sedative, and hallucinogenic effects via anticholinergic mechanisms.
Health & Medicine Muscle Relaxants and Barbiturates: Carisoprodol, Cyclobenzaprine, and Phenobarbital
A clinical reference on older sedatives, muscle relaxants, and barbiturates with significant abuse potential and dangerous withdrawal profiles.
Health & Medicine India's Controlled Substances: The Complete Guide to Drug Scheduling (Schedule H, H1, X & NDPS)
An exhaustive, legally accurate guide to India's drug classification system under the Drugs and Cosmetics Act and NDPS Act, covering Schedule H, H1, X, and the Narcotics Control Bureau.
Health & Medicine Schedule H — India's Standard Prescription Drug Classification
A comprehensive guide to Schedule H drugs under the Drugs and Cosmetics Rules 1945, covering what they are, why they need a prescription, and examples.
Health & Medicine Schedule H1 — India's Stricter Controls on Antibiotics and Habit-Forming Drugs
A comprehensive guide to Schedule H1 drugs in India, including the complete list of controlled antibiotics, benzodiazepines, opioids, and anti-TB medications.
Health & Medicine Schedule X — India's Most Restricted Drug Category
A comprehensive guide to Schedule X drugs in India, the most heavily controlled pharmaceutical category reserved for narcotics and high-abuse substances.
Health & Medicine The NDPS Act, 1985 — India's War on Narcotics
A comprehensive educational breakdown of the Narcotic Drugs and Psychotropic Substances Act, its punishment tiers, and enforcement by the NCB in India.
Health & Medicine Prescription Drug Abuse in India: A Public Health Crisis
An educational analysis of the growing prescription drug abuse epidemic in India, covering the most commonly abused drug categories, statistics, and awareness resources.
Finance & Investment P2P Lending in India: The Complete Investor's Guide (2026)
An exhaustive, research-backed guide to Peer-to-Peer lending platforms in India covering RBI regulations, NPA rates, platform reviews, tax implications, and risk analysis.
Finance & Investment What Is P2P Lending & How Does It Work in India?
A comprehensive guide explaining the mechanics of Peer-to-Peer lending in India, how money flows through escrow accounts, and how lenders earn returns.
Finance & Investment NBFC-P2P Regulations & the August 2024 RBI Crackdown
A comprehensive guide to the RBI's regulatory framework for P2P lending in India, including the transformative August 2024 rule changes that banned guaranteed returns.
Finance & Investment P2P Platform Reviews: LenDenClub, Lendbox, Faircent, LiquiLoans — A Head-to-Head Comparison
An in-depth review of India's major RBI-registered P2P lending platforms with real NPA data, fee structures, and investor experience analysis.
Finance & Investment P2P Lending Risk Analysis: NPA, Defaults, and Capital Erosion
Understanding default rates, NPA calculations, recovery mechanisms, and worst-case scenarios in Indian P2P lending with real data.
Finance & Investment How P2P Lending Income Is Taxed in India
A complete guide to the tax implications of P2P lending interest income in India, covering Section 194A, Income from Other Sources, advance tax, and ITR filing.
Finance & Investment P2P Lending vs Fixed Deposits vs Mutual Funds: The Ultimate Comparison
A research-backed comparison of P2P lending, bank FDs, and mutual funds in India covering returns, risk, liquidity, regulation, and portfolio allocation.
Finance & Investment How to Invest in P2P Lending Safely (If You Choose To)
A strategy guide for P2P lending in India covering diversification rules, portfolio allocation, red flags to watch for, and exit strategies.
Health The Complete Weight Loss Medicine Guide: 180+ Drugs Ranked with India Prices
India's most comprehensive guide to weight loss medicines in 2026. Covers 180+ drugs from cheap Metformin (rupees 2) to Tirzepatide (rupees 25,000) with detailed prices, side effects, and verdicts.