Banking & Savings
Highest-yield savings accounts, FD ladders, PPF, Sukanya Samriddhi and Post Office schemes.
Latest in Banking & Savings
8 min read · Updated 2026-05-01
The Indian household money script, what you inherited, what to keep, what to update
Three generations of Indian financial advice were optimised for a world that doesn't exist any more. Here's what still works, what doesn't, and what to do about it.
8 min read · Updated 2026-06-30
Highest savings account interest rates in India (2026)
SBI, HDFC and ICICI pay about 2.7 to 3% on your savings. Small finance banks like AU, Equitas and Ujjivan advertise up to 7.5%, with the same RBI-backed DICGC insurance. Here is the honest comparison.
9 min read · Updated 2026-06-01
How much money should you keep in your savings account in India (2026)
Most Indians keep far too much in their savings account, quietly losing ₹13,500 a year on every ₹3 lakh idle balance. Here is the framework, the math, and where the rest should actually go.
8 min read · Updated 2026-06-07
PPF account: the complete guide to rules, returns and the 15-year math
PPF gives you 7.1 percent, fully tax-free, backed by the government. Here is how the account actually works, the deposit-date trick, and who it suits.
7 min read · Updated 2026-06-03
Emergency fund: how much you need and where to keep it
An emergency fund is the foundation everything else stands on. Here is how much to hold, where to park it so it actually earns, and the mistakes to avoid.
6 min read · Updated 2026-05-21
Why the cash in your savings account is quietly melting
Money in a savings account is not safe. It is slowly melting, you just cannot see it. Here is how inflation eats your idle cash, and what to do.
6 min read · Updated 2026-05-20
The 50-30-15-5 budget, rebuilt for Indian incomes
The classic 50-30-20 budget breaks when a quarter of your income is EMI. Here is a version that fits how Indian households actually earn and spend.
8 min read · Updated 2026-06-24
Sukanya Samriddhi Yojana: rules, returns, and is it worth it
Sukanya Samriddhi pays 8.2 percent, fully tax-free, backed by the government, for a daughter's future. Here is how it works, the deposit-date trick, and who it suits.
Topics we cover in Banking & Savings
Best savings rates
The full guide on Best savings rates is being written. Get it the moment it lands.
FD laddering
The full guide on FD laddering is being written. Get it the moment it lands.
PPF
- PPF account: the complete guide to rules, returns and the 15-year math →
PPF gives you 7.1 percent, fully tax-free, backed by the government. Here is how the account actually works, the deposit-date trick, and who it suits.
Sukanya Samriddhi
- Sukanya Samriddhi Yojana: rules, returns, and is it worth it →
Sukanya Samriddhi pays 8.2 percent, fully tax-free, backed by the government, for a daughter's future. Here is how it works, the deposit-date trick, and who it suits.
Senior Citizen Savings
The full guide on Senior Citizen Savings is being written. Get it the moment it lands.
Digital vs traditional banks
The full guide on Digital vs traditional banks is being written. Get it the moment it lands.