Insurance, emergency fund, credit cards, retirement
Household finance fundamentals — term insurance adequacy math, emergency fund sizing, credit card utilisation, retirement corpus projections, and CA-tested rules of thumb for Indian families.
27 articles publishedOrdered by publication date — newest first.
A 0.75% expense ratio gap looks small. On a ₹10,000 SIP over 20 years it costs about ₹7.9 lakh. The maths, SEBI's 2026 rules, and when switching pays.
A CA on why households run crores through their accounts with no finance function, what a family CFO actually does, and a monthly, quarterly and yearly routine.
₹2 lakh for 12 months as a gold loan vs a personal loan: fees, EMI vs bullet repayment, RBI's 2026 gold LTV rules, auction risk and foreclosure charges.
Most health claim rejections are set at the proposal form, not the hospital. A pre-claim checklist on disclosure, waiting periods, room rent and IRDAI rules.
A worked, hypothetical ₹25 lakh household: wrong tax regime, regular-plan costs, idle cash, advance tax interest and card interest, added up line by line.
Going freelance ends your group health cover. What to migrate, what to buy, how your ITR limits term cover, and why disability is the risk nobody prices.
Buying health cover for parents in India from abroad: who signs, disclosure risk, senior-policy clauses, the local contact, claims and the 80D angle for NRIs.
Repo is 5.25% and the next MPC decision is due on 7 October 2026. How a 0.25% move reaches your home loan EMI, FD and debt fund, with the maths.
Robo-advisor can mean a SEBI-registered adviser, a PMS, a fund distributor or a tracking app. How to tell them apart and check registration, fees, conflicts.
Waiver of premium, accidental death, disability, critical illness and income riders: what each pays, IRDAI's premium caps, and when a standalone cover wins.
From 15 October 2026 a 0.4% MDR applies to UPI merchant payments above Rs 2,000, capped at Rs 300. Customers pay nothing extra and P2P stays free. Here is exactly who pays, who is exempt, the arithmetic, and the three accounting consequences business owners have not thought about yet.
The 3-to-6-month rule is not the problem. What you put into the base is, and how long ago you last checked it. What belongs in the number, the annual costs everyone misses, and why a fund sized correctly in 2024 may be short today.
Section 80D caps your premium deduction. It says nothing about how large your policy should be — and under the new regime it is worth nothing at all. A method for arriving at your own sum insured, rather than another list of numbers.
INDmoney tracks money well. Filing is a separate job, and for most people a separate app. A comparison of where the tracking ends, and the two platforms that put tracking and CA-reviewed ITR filing in one account. Snapshot as of September 2026.
A comparison of Richify, Simplify Money, INDmoney, ET Money and Groww, described the way each platform describes itself — plus where VittSphere ONE's CA-reviewed filing, HUF planning and Stock X-Ray fit. Snapshot as of August 2026.
Most Indian households track money person by person and never add it up. A practical method for one combined family net worth view — the four categories, a worked example with the arithmetic shown, and why the HUF is the part that gets forgotten.
Most Indian households track money person by person and never add it up. A practical method for one combined family net worth view — the four categories, a worked example with the arithmetic shown, and why the HUF is the part that gets forgotten.
CA-verified XIRR vs CAGR guide for mutual fund SIP returns India 2026. Excel formula, real ₹10K/month SIP examples, when CAGR is wrong, comparison with FD returns, common calculation mistakes.
CA-verified insurance priority guide for FY 2025-26. Exact coverage amounts (15-20× income for term, ₹10-25L family floater for health), premium expectations, top providers, and the ₹50K-₹2L mistakes most Indian families make. Section 80C/80D tax angle included.
Every major Indian bank cut credit card rewards in 2026 — HDFC SmartBuy slashed 40%, Axis removed Marriott/Accor partners, ICICI excluded rent/education. Yahaan 3-card optimal portfolios for ₹50K, ₹1L, ₹3L+ monthly spend levels with real effective return calculations.
INR at ₹95.72-96.68/USD — worst Asian currency in 2026 (down 6%+ YTD). CA-perspective deep dive on 6 reasons for the fall, who benefits, who suffers, real household budget impact, and 8-step action plan to protect your money.
Brent crude at $105-111/barrel. Petrol ₹107.59, Diesel ₹94.08 in major Indian cities. Govt hiked fuel ₹3/litre on May 15. CA analysis on real household impact, sector winners/losers, and 8 concrete moves to protect family budget.
CA-verified retirement planning guide. 25x rule explained with Indian inflation reality, 4% safe withdrawal mechanics, monthly SIP math for different ages (25/30/35/40), NPS+EPF+PPF integration, and the ₹5-15 crore retirement corpus calculation framework.
CA-verified goal-based investing framework. 4 distinct portfolios for short-term (1-3yr), medium-term (3-7yr), long-term (7-15yr), and very long-term (15+yr) goals. Specific instruments, allocation %, real ₹ examples, tax efficiency, and the ₹50L+ goal funding strategy.
Gold 22K at ₹14,620/gram, 24K at ₹15,949/gram — record highs, up 11.82% YTD. Govt raised import duty 6% → 15%. CA analysis on whether to buy now, complete SGB vs ETF vs physical comparison post-Budget 2026 changes, and 10-15% portfolio allocation framework.
How much term insurance you actually need — beyond the casual '10× salary' rule. CA-perspective deep dive into 15× rule, Human Life Value method, and the ₹2 crore family example.