The short version
The research and writing here is Amaya Kavya's own independent work, shared openly for anyone who wants to read it.
What it is
It is research and opinion, not advice. The papers and posts, including those on household debt, EMI culture, electric vehicles, energy, telecommunications, and language-model evaluation, are not financial, investment, legal, tax, or accounting advice, and nothing here is a recommendation to buy, sell, or hold anything.
Using it
Treat it as a starting point for your own thinking, not as instructions. Do your own research, and where it matters, speak to a licensed professional before acting on anything you read here.
Accuracy
The work is done carefully and its sources are cited, but research changes and can be wrong. Figures and conclusions reflect the best understanding at the time of writing.
Independence and liability
The views are personal and do not represent any employer or institution. Amaya Kavya is not liable for decisions made on the basis of what is published here.