Saving
Habits and hacks to keep more of what you earn.
Recurring deposit: how an RD works, how interest is worked out, and the tax
A recurring deposit turns a monthly amount into a lump sum at a guaranteed rate. Here is how RD interest is calculated, how bank and post office RDs differ, what happens if you miss a month, and how it is taxed.
Read the lesson → SavingsKisan Vikas Patra: the post office scheme that doubles your money
Kisan Vikas Patra is a post office certificate that doubles a one-time deposit over a fixed period. At the current 7.5% rate, that's 115 months. Here is who can buy it, how it's taxed, and when you can get out early.
Read the lesson → SavingsPost office monthly income scheme: a fixed payout every month
The post office monthly income scheme takes a one-time deposit and pays you interest every month for five years, then returns the deposit. Here are the limits, the 7.4% rate, a payout example and the early exit cost.
Read the lesson → SavingsPost office schemes: rates, lock-in and tax side by side
The post office runs nine small savings schemes, from a plain savings account to PPF and Kisan Vikas Patra. Here are the October to December 2026 rates, how long each locks your money, and how each is taxed, in one table.
Read the lesson → SavingsNSC explained: the 5-year government savings certificate
The National Savings Certificate is a government-backed, fixed-rate certificate you buy for five years, with a tax deduction on the old regime. Here is how it works, what it pays, and a quirk in its tax treatment worth knowing.
Read the lesson → SavingsSukanya Samriddhi Yojana: the girl-child savings scheme
Sukanya Samriddhi Yojana is a government scheme to build a long-term, tax-free fund for a girl child, at one of the highest safe rates around. Here is how it works, what it pays, and the rules to know.
Read the lesson → SavingPPF explained: safe, tax-free, 15-year savings
PPF is a government savings scheme with tax-free interest and a 15-year lock-in. Here is how it works, the catch, and how to open one.
Read the lesson → SavingThe 50-30-20 rule: a simple way to split your salary
A simple way to split your take-home pay into needs, wants, and savings, with a rupee example and how to adapt it for a smaller income.
Read the lesson → SavingThe fund that can pay you back the same day
A parking spot for money you may need soon, with a same-day exit that has a specific cap.
Read the lesson → Saving85% of young Indians say the cost of living is their biggest money hurdle
Surveys show most young Indians want to save but feel squeezed. Here is the one habit that beats it.
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