r/personalfinanceindia is a subreddit with 599k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses looking for, struggling, frustrating, investment, and loan, and they frequently recommend/review salary account, health insurance, and investment options.
Ask anything about Indian Personal Finance!
Popular Themes in r/personalfinanceindia
#1
Advice Requests
: "Parents have 30L in FDs at 6.5%. Post tax they are losing to inflation every year. How do I convince them?"
71 posts
#2
Money Talk
: "People with 10+ years of work experience; how are you doing financially?"
13 posts
#3
Solution Requests
: "Need a tool to see percentage foreign equity and global exposure in a mutual fund?"
2 posts
#4
Pain & Anger
: "Feeling sad because of my dad’s bad financial decisions"
2 posts
#5
Ideas
: "Does India need an one-stop personal financial tracker? I struggle finding one."
1 post
Popular Topics in r/personalfinanceindia
#1
Looking For
24 posts
#2
Struggling
18 posts
#3
Frustrating
17 posts
#4
Investment
: "Moving to India: Need advice on Investments and taxes implication in India"
14 posts
#5
Loan
: "My client played a ₹30L+ game on me, used my connections to get a Loan, and ghosted me after the disbursement."
9 posts
#6
Insurance
: "Term Insurance for 27F and 30M"
8 posts
#7
Worst
7 posts
#8
Personal Finance
6 posts
#9
Savings
: "32, moving to Europe - Should I move my liquid Indian Savings to Europe or keep them here?"
6 posts
#10
Fund
: "Anyone else feel like the hardest part of starting out is fear of picking the wrong Fund?"
6 posts
Products Discussed in r/personalfinanceindia
Salary Account
51 reviews
#1
HDFC
4.3★ from 23 reviews
#2
ICICI
4.5★ from 6 reviews
#3
IDFC First Bank
4.7★ from 3 reviews
Health Insurance
35 reviews
#1
HDFC Ergo
4.3★ from 11 reviews
#2
HDFC
4.5★ from 4 reviews
#3
Ditto Insurance
4.5★ from 2 reviews
Investment Options
24 reviews
#1
Gold
3.5★ from 2 reviews
#2
Index Fund
4.0★ from 2 reviews
#3
Bank FD
4.0★ from 2 reviews
Flair Used in r/personalfinanceindia
#1
Investing
: "Parents have 30L in FDs at 6.5%. Post tax they are losing to inflation every year. How do I convince them?"
45 posts
#2
Planning
: "To the young folks in their 20s: Savings and an Emergency Fund are NOT the same thing."
34 posts
#3
Other
: "Friend earns well but never wears same outfit twice, what's this new trend?"
19 posts
#4
Saving/Banking
: "To the young women in their 20s: Start your first SIP today. By 30, it’s already late."
18 posts
#5
Budgeting
: "What every salary from 5-50 LPA actually pays in-hand per month (FY 2026-27, new regime) — including the 12L rebate cliff"
17 posts
#6
Debt
: "Closed my SBI car loan after 24 months"
16 posts
#7
Taxes
: "The Income Tax Department just made your US company RSUs impossible to hide (July 8, 2026 update)"
15 posts
#8
Insurance
: "A ₹10L health cover that costs ₹7-8k at 30 costs ₹6.2L a year at 70. Here's the SIP that funds it, and why self-insuring loses."
14 posts
#9
Auto/Car
: "When did cars suddenly become an 20 L expense instead of 9L one and bike a 3 lakhs one instead of 90k?"
6 posts
#10
Housing
: "Is it possible to live on rent rather than purchasing a property and paying EMIs throughout your working years?"
6 posts
Member Growth in r/personalfinanceindia
Yearly
+71k members(13.5%)
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Last updated: July 21, 2026