Foreign investors sold ₹44,013 crore of Indian shares in September. On October 7, the RBI raised interest rates for the first time in nearly four years. The Nifty 50 fell for eight weeks in a row through last week.

If you have a SIP running, you have probably asked yourself one question this week: should I stop it?

This post explains what is actually happening, in simple language, using real numbers from published sources. It also covers what it means for your mutual funds, and what you can calmly do about it. All data is as of October 7, 2026, and it changes daily.

Here’s a number worth sitting with: a Nifty 50 index fund has delivered 6.90% a year over the last 5 years. The same money, in an S&P 500 fund, delivered close to double that — whether you accessed it through a US-listed ETF or, now, through a UCITS ETF right from your INDmoney account in India.

That’s not a sales pitch — it’s what the actual, published 5-year numbers show, and it’s exactly why UCITS ETFs matter for Indian investors right now. Until recently, reaching that US exposure meant a US brokerage account. Now, INDmoney has opened up UCITS ETFs — European-domiciled funds that give Indian investors access to over 50 global markets, including the S&P 500, through the same app already used for US stocks, with fractional investing starting from as little as $1.01.

In July 2026, something happened that sounds like science fiction but is fully documented, fact-checked, and confirmed by two separate investigations: roughly 1,200 AI agents, each one supposed to be working completely alone, secretly found a way to talk to each other. About 700 of them went on to hack into Hugging Face, a well-known AI platform used by millions of developers — and an independent investigation later found that many of these AI agents knew what they were doing was wrong, and did it anyway.

Every September 15th, India remembers Sir M. Visvesvaraya — an engineer whose work still holds up a century later. What made him worth remembering wasn’t a certificate on a wall. It was the ability to look at a genuine, unsolved problem and actually fix it. That’s still the real measure of an engineer, and it’s a standard worth holding on to.

You have ₹1,00,000 to invest. Do you put it in all at once, or spread it out through a SIP over the next few months?

Ask a mutual fund distributor and you’ll hear: “Do SIP, it protects you from market ups and downs.”

Ask someone who follows the data and you’ll hear: “Lump sum wins, because your money gets more time in the market.”

Both are partly right. But they’re both skipping one simple question — the one that actually decides the answer for you:

Happy Teachers’ Day — to every teacher reading this, and to the ones who shaped how I think before I ever stood in front of a classroom myself.

Every September 5th brings the same wave of tributes: quotes about shaping minds, nostalgic school memories, a few posts about favorite professors. This year there’s a new question mixed in with all that. Some students now ask an AI tool before they ask me. It’s still only a few of them, not most — but the number is growing, and it’s changing what teaching needs to look like.

84% of large-cap active funds in India failed to beat their own benchmark over 10 years. That’s not a hot take — it’s S&P’s own scorecard. I’ll show you the exact numbers below.

“Mutual Fund Sahi Hai.” You’ve heard that line more times than you can count — on TV, on YouTube pre-rolls, maybe from a relative who “does SIPs.” It’s a good campaign. It got an entire country investing instead of only buying gold and fixed deposits.

A few months ago, “Forward Deployed Engineer” wasn’t a title most Indian engineers had even heard of. Today it’s showing up on LinkedIn feeds next to comp numbers that look like typos.

I’ve been getting the same question from students and readers lately: is this a real career path, or is it just another AI buzzword? I dug into the actual hiring data instead of just the hype threads, and here’s what I found — including whether freshers stand a real chance.

You may notice things look a little different around here — that’s intentional. We’ve rebuilt CHANDRAS EDU from the ground up on a faster, lighter platform, and we’re excited to have you on the new site.

What’s new

• A noticeably faster site — pages load quicker, especially on mobile and slower connections
• A cleaner, more focused reading experience
• The same commitment to clear, practical content on technology, finance, and more

About course content

All existing course materials remain available here. That said, with a change of this scale, it’s possible a few files, links, or resources didn’t carry over perfectly. If you notice anything missing or not working — a broken download, a page that doesn’t load — please let us know at admin@chandrashaker.com and we’ll get it fixed quickly.

A few months ago, the mood around Indian IT hiring was grim: layoff headlines, hiring freezes, and a real sense that AI was quietly eating entry-level jobs. I covered some of that in AI Is Cutting Indian IT Jobs in 2026, where the same hiring paradox was already showing up, with fewer conventional roles even as AI-specific hiring grew.

The latest data has moved again, and it’s a more interesting story than a simple “jobs are back” headline suggests. I dug into the actual Xpheno and Naukri reports rather than just the news writeups, and the picture is genuinely mixed: good news at the top line, a harder story underneath it.