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Finance Sikh helps first-time investors, salaried employees and families understand products, calculations and trade-offs—without personalised recommendations.
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Budgeting on an Indian Salary: Adapting the 50/30/20 Rule
Adapt the 50/30/20 budgeting idea to Indian households, including rent, family support, EMIs, annual bills and irregular monthly expenses on a salary.
How Credit Scores Work in India and How to Improve One
Learn how Indian credit reports work, what affects scores, and how to check errors, raise disputes and build sustainable repayment habits without promises.
ELSS, PPF, and NPS Compared: Features, Lock-in, Risk, and Tax Treatment
Compare ELSS, PPF and NPS by structure, access, risk and tax treatment in India, with current rules flagged for verification and no product rankings clearly.
Emergency Fund: How Much to Keep and Where to Keep It
Learn how essential expenses, dependants, job stability, EMIs and access needs shape an emergency fund, plus ways to rebuild it after a withdrawal event.
EMI vs Prepayment: How Home-Loan Interest Works
Understand home-loan principal, interest, amortisation, fixed and floating rates, illustrative repayment schedules, and prepayment trade-offs and lender terms.
Health Insurance for Parents Above 60: What to Check
Review waiting periods, co-payments, room limits, pre-existing conditions, renewals, exclusions, claims and affordability for parents over 60 in India.