Master your money — budgeting, emergency funds, financial planning by age, debt strategy, FIRE, and the frameworks that turn earning into wealth-building for Indian households.
A step-by-step 90-day roadmap for settling a loved one’s finances in India — death certificates, bank and locker claims with or without nominees, insurance, EPF/gratuity, mutual fund and share transmission, property mutation, and the final ITR.
Why every rent agreement is 11 months, what a notary stamp does NOT do, when registration is mandatory anyway, e-stamping, and the seven clauses that decide who wins a deposit dispute.
Wrong entry on your credit report? Banks get 21 days and bureaus 9 — miss the 30-day total and they owe you ₹100 per day. RBI even fined all three bureaus in 2026 for not paying. How to read DPD, fix “settled” tags, and escalate.
From 1 January 2026, lenders cannot charge foreclosure or prepayment fees on floating-rate loans to individuals — RBI Pre-payment Charges on Loans Directions, 2025. What is covered, the fixed-rate carve-out, and the prepay-vs-invest math.
Laid off? The first 30 days decide how much of your severance survives tax and whether your health cover lapses. Retrenchment exemption, Section 89 relief, leave encashment, gratuity, EPF choices and the health-porting window.
Most rejected health claims die because nobody appeals. The full ladder — insurer GRO, Bima Bharosa, Insurance Ombudsman (free, binding, up to ₹50 lakh) — plus the 5-year moratorium rule that blocks non-disclosure rejections.
No Indian law allows arrest by video call — every “digital arrest” is a scam. The exact response: hang up, call 1930 in the golden hour, file on cybercrime.gov.in, and how frozen money actually comes back.
Under RBI rules, banks owe up to 100 times the annual locker rent if fire, theft, building collapse or employee fraud hits your locker — but nothing for natural disasters, and they never know what is inside. Rules, nomination, and what never to store.
Over ₹62,000 crore sits unclaimed in banks, plus shares and dividends with IEPF and dormant EPF balances. How to search the RBI UDGAM portal, recover IEPF shares with Form IEPF-5, and claim inoperative PF — all free, no agents needed.
A nominee is usually just a caretaker — the legal heirs own the money. Except in life insurance, where a 2015 amendment made family nominees beneficial owners. Asset-by-asset rules for bank deposits, MFs, shares, EPF, insurance — and why a will beats them all.
Car subscription vs buying in India 2026 — compare the monthly cost against a loan, see why buying usually wins on net cost, and when renting/subscribing to a car is actually worth it.
How to link Aadhaar to your bank account for DBT subsidies and KYC — via net banking, branch or ATM — and how to check the seeding status (UIDAI/NPCI mapper).