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.
9 articles publishedOrdered by publication date — newest first.
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.