FinPlann Blog — Personal Finance
Guides & insights for everyday investors
Practical articles on mutual funds, tax planning, retirement, insurance, and the money decisions that shape everyday life.
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Step-Up SIP: Why Increasing Your SIP by 10% Every Year Is a Game-Changer
A regular ₹10,000 SIP over 20 years builds ₹76 lakh. The same SIP stepped up 10% annually builds ₹1.9 crore. Here's the maths — and how to set it up.
Retirement Planning in Your 30s: The Complete Blueprint for Indian Professionals
Your 30s are the most critical decade for retirement planning. You have enough income to save meaningfully, enough time for compounding to work, and enough life experience to plan realistically. Here's exactly what to do.
How to Pay Off Personal Loan and Credit Card Debt Faster: The Indian Playbook
Personal loans at 12–24% and credit card debt at 36–42% are the two most destructive forces in Indian household finances. Here is a battle-tested strategy to eliminate them systematically.
Sukanya Samriddhi Yojana vs Mutual Funds: Best Investment for Your Daughter
SSY offers guaranteed, tax-free returns with government backing. Equity mutual funds offer potentially higher growth over 15+ years. Which one should parents choose for their daughter's future?
How Much Health Insurance Does Your Family Really Need in India?
Medical costs in India are rising at 10–14% per year. Most families are dramatically underinsured. Here is how to calculate the right sum insured for your family and avoid catastrophic out-of-pocket expenses.
Lumpsum vs SIP: When to Use Which Investment Strategy
Should you invest a windfall as a lumpsum or spread it over months via SIP? The answer depends on market conditions, your risk comfort, and investment horizon — not a one-size-fits-all rule.
How to Improve Your CIBIL Score Fast: A Step-by-Step Guide for Indians
A low CIBIL score means higher interest rates or rejected loan applications. The good news: with the right actions, you can meaningfully improve your score in 6–12 months.
PPF vs Fixed Deposit: Which Is Better for Safe, Long-Term Returns?
PPF and Fixed Deposits are India's most-trusted safe investments. They look similar but differ dramatically in tax treatment, liquidity, and long-term wealth creation. Here's the full comparison.
NPS vs EPF: Which Retirement Tool Should You Prioritise?
EPF is mandatory for most salaried employees, but NPS offers tax benefits and market-linked returns. Understanding both helps you build a more complete retirement plan.