You’ve seen them everywhere. Wealthfront, Betterment, Schwab Intelligent Portfolios. The “robo-advisor” is no longer a niche curiosity, it’s a full-blown revolution. The global market for these platforms is exploding, projected to grow from around $10 billion in 2025 to over $70 billion by 2032. The central promise is tantalizing: a sophisticated, data-driven investing strategy, once…
Imagine a ₹5 lakh hospital bill wiping out your savings health insurance prevents that. With India’s 6.2% GDP growth (RBI, 2025) and rising medical costs (12% inflation, IRDAI 2024), health insurance is a must for financial security. Regulated by the IRDAI, it covers over 50 crore Indians (IRDAI, 2025), yet 30% remain uninsured. This beginner’s…
In 2025, managing money is more complicated than ever. Rising inflation, subscription apps, digital wallets, and even AI-powered crypto hype can make your salary vanish faster than you realize. Whether you earn ₹15,000 or ₹1,50,000, losing control of your finances is stressful. The solution? Smart budgeting. A simple system that tracks your income, allocates it…
Starting or expanding a small business can be challenging, especially when access to finance is limited. To support millions of entrepreneurs and small businesses, the Government of India launched the Pradhan Mantri Mudra Yojana (PMMY) a scheme that offers easy and affordable loans to non-corporate small businesses. In this post, we’ll explain what PMMY is,…
Women’s financial independence and security are crucial for a stable family and society. To encourage women’s savings and provide them a secure investment option, the Government of India introduced the Mahila Samman Savings Certificate (MSSC) a special savings scheme designed exclusively for women. In this post, we’ll explain what MSSC is, its features, eligibility, benefits,…
Food security is a basic need, especially for millions of poor families in India facing tough times. To help those struggling to buy essentials, the Government of India launched the Pradhan Mantri Garib Kalyan Anna Yojana (PMGKAY) a scheme that provides free ration to eligible families during crises. In this post, we’ll explain what PMGKAY…
One Emergency. Two Incomes. Same Pain. Let’s stop pretending money alone protects us. Whether you earn ₹300 a day as a labourer or ₹50,000 a month in a job, health emergencies and sudden expenses can shake you to the core financially and emotionally. In India today, one sudden illness can destroy a poor family’s kitchen…
The Daily Ritual That Costs More Than You Think You know the routine, don’t you? That first hot cup of chai to kickstart your day. A quick biscuit or a pack of chips to munch on at work. One more cup of tea in the afternoon slump hits. Maybe even one more in the evening…