Editorial Team
The FinanceBlogg editorial team researches and writes educational explainers on personal finance in India. Articles are based on official sources such as the Reserve Bank of India, SEBI, IRDAI and the Income Tax Department, and are updated when rules change.
Covers: Budgeting and saving, Banking basics, Credit and loans, Mutual fund concepts, Health insurance terms, Income tax basics
Read about how articles are researched and reviewed in our editorial policy.
How to read EPFO interest rate announcements and PF rule updates in India—official sources, what changes in your PF passbook, and what headlines often overstate.
· 4 min read
How to read RBI circulars on UPI and digital payments: official sources, what changes for users, effective dates, and how to spot fake limit forwards.
· 4 min read
How retail investors can read SEBI mutual fund circulars: where to find them, what usually changes for investors, and how to ignore rumour-driven tips.
· 4 min read
How to read India’s quarterly small savings interest rate revisions for PPF, NSC and related schemes—official sources, what changes, and what does not.
· 5 min read
How households can read GST Council decisions in India: official sources, what rate changes mean for daily spending, and how to avoid viral misinformation.
· 4 min read
Understand deductible, co-pay and co-insurance in Indian health insurance: what you pay, what the insurer pays, and what to check in the policy wording.
· 3 min read
Understand sweep-in (auto-sweep) facilities in India: how excess savings can move into deposits, liquidity, interest and questions to ask your bank.
· 3 min read
Learn how to check and dispute errors on your credit report in India, including wrong accounts, settled dues and RBI-linked free report rights.
· 3 min read
Learn how households can read India’s Union Budget: where to find official documents, which announcements matter for tax and daily life, and what to ignore.
· 2 min read
Learn how to calculate and track net worth in India: assets, liabilities, a simple worksheet method, and common mistakes beginners make.
· 3 min read
Learn what a mutual fund expense ratio (TER) is in India, how it affects investors, where to read it, and common myths—without product tips.
· 2 min read
Compare NEFT, RTGS, IMPS and UPI in India: when each is used, how they differ on speed and purpose, and practical tips for safer transfers.
· 3 min read
Rupee cost averaging explained for beginners in India: how regular investments interact with market prices, with clear limits and no return promises.
· 2 min read
TDS explained for individuals in India: how tax deducted at source works, where to verify it, and how credit generally appears when filing returns.
· 2 min read
Learn how health insurance portability works in India. Understand IRDAI rules, the 60–30 day timeline, waiting period transfer, benefits and switching process.
· 14 min read
Understand Tax Year vs Assessment Year in India after the Income-tax Act 2025. Learn FY 2025-26, AY 2026-27, Tax Year 2026-27 and the new rules.
· 12 min read
Learn how a Systematic Withdrawal Plan (SWP) works in India, how mutual fund units are redeemed, its benefits, risks, taxation and how to start one.
· 11 min read
Understand the difference between a bank account lien, freeze and debit freeze in India. Learn why banks restrict accounts, how to check the reason.
· 10 min read
Understand the difference between co-applicant, co-borrower and guarantor in India. Learn their responsibilities, loan liability and credit score impact.
· 9 min read
Learn how to prioritise multiple financial goals on one salary in India with a practical savings framework, examples and simple steps.
· 9 min read
Learn what sinking funds are and how to save for school fees, insurance, festivals and annual expenses in India with a simple monthly plan
· 9 min read
Learn what an investment benchmark is, how Nifty 50 and Sensex benchmarks work, and why TRI matters when comparing investment returns in India.
· 8 min read
Learn the difference between minimum amount due and total amount due on credit cards in India, including interest, late fees and repayment tips.
· 9 min read
Learn how GST Input Tax Credit works in India,eligibility rules, GSTR-2B reconciliation,how to claim ITC in GSTR-3B and common mistakes businesses should avoid.
· 8 min read
Learn how to build an emergency fund in India, calculate your savings target, choose where to keep it and protect yourself from unexpected expenses.
· 8 min read
Learn 15 practical ways to save money on everyday expenses in India. Reduce grocery, electricity, shopping and transportation costs with simple daily habits.
· 12 min read
Learn why bank accounts become inoperative in India, RBI rules, how to reactivate a dormant account, KYC requirements and what happens to your money.
· 7 min read
Understand mutual fund exit load, lock-in periods and redemption in India. Learn withdrawal rules, charges, ELSS restrictions and practical examples.
· 9 min read
Learn how personal accident insurance works in India, including accidental death, disability benefits, exclusions, claim documents and policy checks.
· 11 min read
Learn what drawdown means in investing, how to calculate maximum drawdown,why losses need bigger recoveries, &how Indian investors can understand portfolio risk
· 7 min read
Learn 9 important things to check before taking a loan in India, from total borrowing costs and EMIs to fees, penalties and repayment risks
· 8 min read
Learn how to reduce avoidable health insurance claim problems in India. Understand disclosure, exclusions, waiting periods, documents and claim procedures.
· 7 min read
Learn how to choose a mutual fund in India by comparing goals, risk, costs, benchmarks, portfolio overlap and exit loads before investing.
· 7 min read
Learn how to evaluate an investment in India with 7 essential checks covering risk, returns, fees, liquidity, diversification and fraud prevention
· 8 min read
Learn how to save money on an irregular income in India with a flexible budget, priority-based spending, emergency savings and a simple monthly plan.
· 9 min read
Understand income tax vs GST in India, who must pay or register, tax rules, GST returns, filing basics and common compliance mistakes.
· 11 min read
Learn how to choose the right savings account in India by comparing minimum balance rules, banking fees, ATM charges, digital services and deposit safety.
· 7 min read
Learn how to read an insurance policy in India. Understand coverage, exclusions, waiting periods, deductibles, claim rules and key terms before buying.
· 9 min read
UPI payment failed but money was debited?Learn how to check transaction status,raise a complaint, request a refund and escalate unresolved UPI disputes in India
· 7 min read
Learn what a GST invoice is in India, the important invoice details, tax calculation basics, common mistakes and where to verify GST compliance.
· 4 min read
Learn what index mutual funds are, how they track market indices, their costs and risks, and what Indian investors should check before investing.
· 4 min read
Learn how to create a monthly budget in India, manage expenses, save money regularly and build better financial habits with a simple step-by-step guide.
· 4 min read
Understand investment risk and return, learn how inflation and volatility affect your money, and discover how to assess investment choices in India.
· 4 min read
How CTC differs from take-home salary in India: typical deductions, why in-hand is lower, and how to budget from the amount that actually arrives.
· 5 min read
How direct and regular mutual fund plans differ, why expense ratios compound, how to check which plan you hold, and what a regular plan’s commission pays for.
· 6 min read
What waiting periods and exclusions mean in Indian health insurance, including PED waiting, initial waiting and claim-time surprises.
· 4 min read
How a loan EMI is calculated in India, why early EMIs are mostly interest, and how tenure and rate change what you repay.
· 4 min read
How nomination on Indian bank accounts works, what a nominee can do, how it differs from a will, and how to add or change a nominee.
· 5 min read
What loan prepayment and foreclosure mean in India, how extra payments change interest, typical charges, and what to check in your sanction letter.
· 6 min read
How a recurring deposit works in India, how interest is applied, how RDs differ from FDs and SIPs, and what to check on tenure, TDS and premature closure.
· 6 min read
How term life insurance works in India: what it pays, exclusions, sum assured and tenure, medical underwriting, nominees, and how a claim is filed.
· 6 min read
How the Public Provident Fund works in India: tenure, yearly limit, interest, withdrawals, tax treatment and who it suits.
· 5 min read
How to read a mutual fund factsheet in India: NAV, TER, portfolio, riskometer, exit load and what the numbers do not tell you.
· 5 min read
How to read an RBI monetary policy statement: repo rate, stance, CPI target, what changes in EMIs and deposits, and how to ignore noise around the announcement.
· 6 min read
How to read Form 16 in India: Part A and Part B, TDS, exemptions, and how to match it with Form 26AS before filing.
· 4 min read
How to read Form 26AS and AIS in India: TDS credits, reported transactions, mismatches, and the checks to make before you file your income tax return.
· 6 min read
How to read India's CPI inflation release from MoSPI, what headline inflation means for your budget, and what the numbers do not decide.
· 5 min read
Turn vague money wishes into dated rupee amounts, with Indian examples for EMIs, school fees, festivals, emergency savings and retirement.
· 6 min read
What asset allocation means for beginners in India, how it differs from diversification, and how time horizon shapes the mix.
· 5 min read
How DICGC deposit insurance works in India: the ₹5 lakh limit, what is covered, what is not, and how accounts are counted across branches.
· 5 min read
What diversification means for beginners: spreading risk across assets, issuers and time, why similar funds do not diversify, and what diversification cannot do.
· 5 min read
A beginner's guide to income tax in India: heads of income, old vs new regime, slab calculation with examples, TDS, AIS, advance tax, ITR filing and GST basics.
· 8 min read
Twelve common money mistakes in India, from skipping an emergency fund to paying only the credit card minimum, and practical ways to avoid each one.
· 6 min read
How to size an emergency fund for your household in India, why three to six months is only a starting point, and where to keep the money safely.
· 6 min read
How credit scores work in India: the four credit bureaus, what affects your score, free annual reports, common myths and how to dispute errors.
· 7 min read
How inflation is measured in India, the difference between nominal and real returns, the effect of tax, and how time horizon shapes your savings.
· 5 min read
Compare health insurance in India on the terms that decide payouts: room rent limits, co-payment, waiting periods, sub-limits and network hospitals.
· 8 min read
A practical, step-by-step guide to building a monthly budget in India, with a worked example, sinking funds for annual expenses and the limits of popular budgeting rules.
· 7 min read
How to read an Indian bank statement: value date vs transaction date, codes like NEFT, IMPS, NACH and POS, and what to do about unknown debits.
· 7 min read
How savings accounts and fixed deposits differ on interest, liquidity, premature withdrawal, tax and DICGC deposit insurance, with a worked example and when to use each.
· 7 min read
How loan interest works in India: fixed vs floating, repo-linked rates, flat vs reducing balance, EMI maths, APR and the Key Fact Statement.
· 7 min read
A beginner's guide to mutual funds and SIPs in India: NAV, fund categories, direct vs regular plans, costs, risks, rupee cost averaging and tax.
· 8 min read
