MeghnaDangi

Every year, as the diyas come out and the house gets a fresh coat of paint for Navratri and Diwali, something quieter happens alongside the celebrations. Families sit with questions that have little to do with rangoli patterns or sweet boxes — questions about saving, spending, gold, giving, and what money is actually for. If

There is a quiet contradiction sitting inside India’s personal finance data right now, and it says more about psychology than about economics. A recent industry survey found that 75.5% of Indians nearing retirement have no detailed financial plan for it — yet 61.4% of that same under-prepared group believe they will retire comfortably anyway [1].

There is a peculiar arithmetic at work in the Indian investor’s mind right now, and it has nothing to do with P/E ratios or earnings growth. It has to do with pain — specifically, the disproportionate pain of watching money disappear. The data tells the story starkly. India’s benchmark Sensex is down roughly 3.78% over

Every September, India pauses to honour the people who quietly build its future one classroom at a time. But beyond the garlands and the greeting cards, it’s worth looking at just how large — and how varied — this workforce really is, and at the financial blind spots that run across almost all of it,

Every generation eventually asks the same practical question: intent is not enough, so through which instrument does one actually act on it? For a generation raised on small, frequent, low-friction transactions – a coffee subscription here, a split bill there – the answer turns out to be closer at hand than it first appears. Mutual

In Part 1 of this series, we explored why Gen Z’s relationship with money is both fascinating and contradictory. This is a generation that is financially curious, digitally connected and increasingly willing to participate in markets, yet is also vulnerable to impatience, social comparison, overconfidence and the attraction of immediate gratification. But understanding behavior is

On July 20, 2026, thousands of young Indians tried to march from Jantar Mantar to Parliament. They were met with tear gas, baton charges, and prohibitory orders. The protest, led by the satirical-turned-serious Cockroach Janta Party, was ostensibly about alleged irregularities in the NEET examination and the resignation of the Union Education Minister. But scratch

Every household has a heartbeat – money coming in, money going out. When that rhythm is steady, life feels light. When it stutters, even a good income can feel like it’s never enough. I have come to believe that the real work of financial planning is not picking the “best” mutual fund or the “hottest”

A few weeks ago, a client in his early fifties sat across from me with a look I have seen many times. His daughter was getting married. The venue was booked, the caterer confirmed, the jeweller paid. His mutual fund portfolio — carefully built over fifteen years — sat at a healthy ₹45 lakhs. And

At first glance, this appears to be a simple investment philosophy. However, when examined through the lens of behavioural finance, it represents a deeper truth about wealth creation — successful investing is not only about choosing the right investments; it is about creating the right decision-making framework. Markets are uncertain. Returns are unpredictable. Investor emotions,