Personal Finance India — Complete Guide for Indian Families

Personal finance is the layer underneath all the product decisions — the emergency fund that keeps you out of debt during a job loss, the nominee paperwork that determines who actually receives your money when you die, and the credit score that decides what every future loan will cost you. This hub indexes every personal finance article on Finance Guided, organized by life situation, written for Indian families, and verified against RBI guidelines, CIBIL/CRIF documentation, and the relevant succession laws.

Written and maintained by Dinesh Kumar S — B.Sc. Mathematics, M.Sc. IT, University of Madras. 5+ years in accounts, GST, and audit support at a Chennai-based IT services company. No commissions. No product sales. Last updated: 8 May 2026.

Start Here: The Foundation Article

If you read only one article on personal finance, this is the one. The emergency fund is the single piece of financial infrastructure that decides whether a sudden job loss or medical event becomes a setback or a debt spiral.

Emergency Fund India — How Much, Where to Park, Which Accounts →

The 6-month rule adapted to Indian salary realities, the sweep-FD vs liquid mutual fund vs savings account comparison, and what to never park your emergency fund in.

All Personal Finance Articles, Organized by Topic

Succession and Nominee Rules

Nominee vs Legal Heir Difference India — Bank, Mutual Fund, Insurance Explained — Why a nominee is not always the legal owner, the difference Section 39 of the Insurance Act makes for term insurance versus other accounts, and the paperwork families need ready before a death in the family.

Credit Score and Borrowing

How to Build Credit Score From Zero India — First Credit Card, First Loan, Step by Step — The 18-month plan from no credit history to a 750+ CIBIL score, including which secured cards actually report to all four bureaus and the utilization mistakes that quietly hurt new scores.

Personal Finance India — Complete Guide for Indian Families