Managing money doesn't have to be complicated. Whether you're a fresh graduate starting your first job or someone who wants to finally get their finances in order, this guide covers everything you need to know about personal finance in India. Why Personal Finance Matters Here's a reality check: according to a 2024 survey, over 70% of Indian millennials live paycheck to paycheck. Not because they don't earn enough, but because no one taught them how to manage money. The good news? Personal finance is a skill, and skills can be learned. The 50/30/20 Rule: A simple starting point—50% for needs, 30% for wants, 20% for savings. Adjust based on your situation. Step 1: Know Where Your Money Goes Before making any changes, track your spending for one month. You'll be surprised. How to track: Use a simple spreadsheet Note down every expense (yes, that ₹20 chai too) Categorize: Rent, Food, Transport, Entertainment, etc. Most people discover they spend...

Photo by Markus Winkler on Unsplash A single three-digit number can be the difference between a ₹5 lakh loan at 10.5% interest and the same loan at 18% — or no loan at all. That number is your CIBIL score . Lenders in India check it before approving almost every loan and credit card application. If your score is below 700, you are already paying more than you should. If it is below 650, banks may reject you outright. The encouraging part? Your CIBIL score is not fixed. With the right habits, most people can see a meaningful improvement in three to six months. This guide covers exactly how to improve your CIBIL score fast in India — seven practical steps you can start today, a realistic timeline, and what to do if you need funds before your score recovers. What Is a CIBIL Score? (Quick Explainer) TransUnion CIBIL is India's most widely used credit bureau. Your CIBIL score is a number between 300 and 900 that summarises your credit history. The higher the number, the...