Plain-language guides
for Indian finances.
No jargon. No product pitches. Just clear explanations of the financial questions most Indians are asking — but nobody is answering honestly.
What is a good savings rate for an Indian household?
Most financial advice sets a 20% savings rate as the benchmark. But for Indian households juggling EPF contributions, SIPs, and family obligations, the right number depends on a lot more than income.
How much term insurance do you actually need? A practical guide for India
The standard advice is '10x your annual income'. But it doesn't account for your home loan, your parents' dependence, or what your family spends each month. Here's how to calculate it properly.
EPF, PPF, NPS, ELSS — which retirement instrument should you prioritise?
All four offer tax benefits under Section 80C, but they serve very different purposes. Understanding when to max out each one can add years of compounding to your retirement corpus.
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