r/IndianPersonalFinance

Hi everyone,

I am 27M from Delhi currently in a govt job in tier 2 city . My monthly income comes around to be 1.10-1.3 L including some variable allowances . My portfolio is gross 25L . I am earning since age of 23, started with a big 4 company, now switched to govt job . I am bachelor as of now .

My current corpus -

Mutual funds - 20 k per month since last 2 yrs
FD- 6 lakhs
NPS - 4-5 lakhs ( I want guidance on this also where to invest )
Rest all is idle

I genuinely want to know how to invest aggressively .

I am preparing for few more govt exams where my salary would grow 1.5x if i clear . I know this is less salary to plan fire within next 10 yrs though current salary will increase after 1.5 yrs to a good extent . I want to know at present how should i invest in a best way

I’m comparing the Post Office Monthly Income Scheme (MIS) at 7.4% for 5 years with 5-year FD options from public-sector banks like SBI and Canara Bank.

MIS looks interesting because it provides monthly interest income, while a cumulative FD can compound the interest.

For someone looking for a relatively safe investment for 5 years, which would you choose?

Post Office MIS @ 7.4% vs SBI/Canara Bank 5-year FD

Or is there any other better low-risk option that I should consider instead?

I’m mainly looking at government/PSU-backed or similarly safe investments, rather than private-bank FDs.

Would love to hear what others are doing and why.

I earn Rs 46000/month after deductions, and I've got a few commitments on the way. My split up so far has been:

RD - 5000/month for gold

Rent - 19k (I live with my parents and this is the only major expense)

Other expenses- 1500 approx

Savings- 20k

So far I've saved around 70k and my family has a debt of around 15 lakhs (no interest from relatives/friends). I want to pay off the debt ASAP and I want to buy a house in my hometown (costs 65-70 L right now) by the time I reach my 30's.

Any advice on how to attain these is appreciated.

Edit: DM's not welcome!!!

​Over the last 10 years,

I’ve seen the reality of traditional investing: Disciplined SIPs typically yield a respectable 8% to 12% XIRR 💯 but on other hand capital gets trapped in stagnant mutual funds that struggle to even beat standard FD returns.😔

​In my view here is the game changer- MFs Pledging without intrest.

​You can pledge your mutual fund holdings to unlock zero-interest margin. By deploying that collateral into structured, long-term options strategies, you can mint an additional 10% to 15% return annually on the same capital. So no need to sacrifice the time value.

​Yes, this involves specific market risks and tax implications. But for the aggressive investor willing to create robust wealth i think the risk-to-reward is absolutely worth it.

I am 28M with in-hand salary of 1L per month, sole earner of the household (4 members including me) . I had taken some loans for restaurant business but it didn’t go well and had to close it last year, I have tried to close as much loans as possible within last year and currently the amount is close to 16L. Now I don’t have much savings at my hands and I am looking to increase my wealth as much as possible and trying to close the debts along side.. I do have a pressure to buy home from my parents for marriage but I do not have anything with me for down payment.. we have a small land in village which might go at 6L… it is not enough for down payment at the moment.. So I am thinking about investing my money at the moment and not going for any big home loans and alongside reduce my current debts as much as possible..

**Current situation:**

\*\*•\*\*	Salary: ₹1L/month    
\*\*•\*\*	Monthly expenses: \\\~₹65k (rent(25k), food(20k), other expenses (10k) , loan interest (10k))    
\*\*•\*\*	Current investments:gold ₹15k(first instalment was paid last month only) , indian stocks 5k    
\*\*•\*\*	Existing holdings: ₹1.3L in Indian stocks.,                  

₹80k in UK shares
**•** No emergency fund yet

**Debt breakdown:**

\*\*•\*\*	₹9L personal loan (interest-only, ₹10k/month, can negotiate repayment timeline)    
\*\*•\*\*	₹7-8L gold loan (low interest \\\~1-2%, no deadline)

Question-

\*\*•	where can I invest my remaining 15k and how to create my emergency fund at the earliest?\*\*    
\*\*•\*\*	Should I prioritize debt payoff over investing, or both in parallel?    
\*\*•\*\*	Any red flags in my current approach?

Open to suggestions and feedback. Thanks!

TL;DR: ₹1L salary per month, ₹16L debt (mixed, some personal, some gold loans), currently investing ₹30k/month. Looking for a solid wealth-building strategy.

Hi guys,

I'm investing in mutual fund from groww app and it's really nice one but I would like to explore other apps as well. Any suggestions or reference would really help me here.

I wanna start investing but confused about which MF to invest...I wanna start with ppfc , people are saying its an overrated fund rgt now. I am doing it for long term please suggest me MF or any other funds to invest...

Since I have loan to repay I can only invest around 5k per month ...

H i I am a software engineer , been into tech past 2 years, and am planning to have a good amount in my bank after 3 years prolly to invest in a property. Considering I want to go for an absolutely risk free investment and am willing to put around 1.5 lakh per month what should be my investment strategy to make the most out of my money. Given that I am a female, are there any govt backed women centric schemes that might give me better returns. I can also invest in my mothers name (non-working) to save taxes on the generated returns. If going ahead with RD should I invest the whole amount in a single bank or split into multiple banks to de-risk my investment. Please do suggest me of the best possible investment strategy.

I’m 20F from India and want to start investing, but I’m pretty clueless right now 😭

I have a regular income, no savings yet and want to build a cozy side income, not chase crazy returns rn..

I’ve heard people recommend index funds, mutual funds, SIPs, stocks, PPF, FDs, etc., and now I’m more confused than when I started.

Should I start with something simple like an index fund SIP? How much of my income should I ideally invest vs keep as emergency savings?

For those who started investing in their early 20s, what do you wish you knew sooner?

21F, earning ₹52k/month in Noida and starting from ₹0 savings — how should I manage my salary?

I'm 21F and this is my first job. I recently moved out of my family home and I'm currently living in Noida because of work. My monthly in-hand salary is around ₹52,000.

This is my first time earning and managing my own money, and honestly, I have almost zero financial knowledge. I've never invested before and haven't even invested a single rupee in my life. I don't want to spend randomly every month and later realise that I should have saved or invested more.

My current monthly expenses are roughly:

\- Rent: ₹13,000

\- Food + electricity + other basic household expenses: around ₹3,000

\- Travel: around ₹1,000

\- Gym: ₹2,000

\- Weekend fun/going out: ₹2,000–₹3,000

\- Other: Sometimes I send some money to my brother, but this isn't a fixed monthly expense.

Apart from this, I don't have any EMIs, loans, subscriptions, or other major expenses.

So after my regular expenses, I should have a fairly good amount left every month. But I don't really know how I should divide it between savings, emergency funds and investments.

Since this is my first job and also my first time living away from my family, I want to build good financial habits from the beginning.

I'm also completely new to things like:

\- How savings accounts actually work

\- How credit cards work and whether I should get one

\- SIPs and mutual funds

\- Emergency funds

\- Insurance

\- How much money I should keep in my bank account

\- How much I should invest every month

\- Whether I should invest immediately or first build an emergency fund

For example, if I have around ₹30k+ left after my monthly expenses, should I put most of it into savings initially? Or should I start a small SIP while simultaneously building my emergency fund?

I'd also like to keep some money aside for things like travelling, shopping, gifts for family, unexpected expenses, etc., rather than putting every rupee into investments.

I'm not financially dependent on my family, and I want to learn how to manage my money independently instead of asking them whenever I need financial advice.

What would you recommend as a practical monthly breakdown for ₹52k?

Something like:

₹52k salary → ₹X expenses + ₹X emergency fund + ₹X investments + ₹X personal/fun money + ₹X savings

Also, if someone can recommend good beginner-friendly resources to learn personal finance from absolute zero, I'd really appreciate it. I'm not looking for complicated financial advice — I basically need to understand the fundamentals first.

Would love to hear from people who were in a similar situation when they started their first job. What did you wish you had known or done differently?

What would you look while investing? Compounding or monthly returns that you can withdraw to spend? What would be the best options for these 2 cases?

One year ago, I was financially illiterate and didn’t know much about financial planning. One of my relatives encouraged me to buy this policy.

Policy term: 35 years

Premium: ₹5,045 per month

Basic Sum Assured: ₹22 lakh

Should I continue with this policy?

Or, since I have already paid the premiums for one year, should I make the policy paid-up?

FIRE required equity invested capital

How much equity capital should I aim to invest over the next 6 years to reach FIRE?

I’m 30 years old and currently earn around ₹60 lakh per year. I’m working towards building a FIRE corpus and wanted to get perspectives from people who are further along in their journey.

So far:

\- Total corpus accumulated: \~₹1.9 crore

\- Amount invested in Indian + US equity mutual funds: \~₹1.1 crore

\- Age: 30

\- Annual income: \~₹60 lakh

I’m planning to continue working for approximately another 6 years, potentially until age 36.

My question is specifically about invested capital rather than future market value.

In other words, ignoring what the portfolio may grow to because of market returns, how much cumulative capital would you personally aim to put into equities by age 36 before switching to a “buy, hold and largely forget about it” approach?

For example, would you want to have invested ₹2 crore, ₹3 crore, ₹4 crore+ of actual principal into equities before feeling that compounding can do most of the heavy lifting from there?

Would love to hear how people pursuing FIRE think about the amount of capital invested vs. the eventual market value of the portfolio.

I’m 23, a software engineer living alone in Pune. My in-hand salary after all deductions is around ₹1.75 lakh/month.

My monthly expenses are roughly:

\- ₹30k for my own expenses

\- ₹20k that I give my sister towards paying off her loan

\- So I have around ₹1.25 lakh/month left to save/invest.

I currently have ₹2 lakh+ sitting in savings, and I want to start investing rather than letting it just sit there.

I’ll obviously keep some money aside as an emergency fund, and I’ll also keep enough for my ₹30k monthly expenses + ₹20k for my sister. The rest is what I’m thinking of investing.

I’m currently considering putting most of it into mutual funds and keeping around ₹20–30k for stocks, but honestly I have no idea where to start or how I should structure this.

What would you guys recommend for someone in my situation?

\- Should I put the remaining ₹2L+ into mutual funds as a lump sum?

\- Should I start with SIPs instead?

\- How much should I realistically keep as an emergency fund?

\- Is keeping ₹20–30k for direct stocks reasonable?

\- Should I consider an FD or something else for the emergency fund?

\- How would you allocate the ₹1.25L/month that I have left after expenses?

I’m looking for a sensible long-term strategy rather than trying to make quick money.

Edit : Used chatgpt to make this post.

I recently graduated with CS degree and now working on corporate. i make around 50k/month. I am not sure how much I should invest/save. I don't have any safety net, parents don't really have any good amount in bank.

I had a thought that i should have atleast 4-5 lakh in my bank as an emergency fund. My monthly expences are around 15-18k/month.

Can anyone tell me like how should i get started with personal finance.

Where to invest .thank you

I’m trying to figure out the best place to keep my short-term savings.
For the past few months, I’ve been investing in an Aditya Birla Sun Life Liquid Fund for my emergency fund. I also have money set aside for travel and other short-term expenses.
I recently started using Slice, and the savings account currently offers a higher interest rate than my regular HDFC/SBI savings account.

So I’m wondering:
Should I keep my emergency fund in the liquid fund?
Would it make sense to keep my travel fund + short-term spending money in Slice instead?
Is Slice safe enough for money I might need at short notice?
Would splitting the money between Slice and the liquid fund be better?

Would love to hear what others are doing and which option you’d choose.