r/personalfinanceindia is a subreddit with 594k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses investment, loan, finance, savings, and struggling, 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
: "34M and 34F, first-generation earners. Did wemake major financial mistakes or is this normal for people supporting entire families?"
34 posts
#2
Money Talk
: "Tracked my food spending for 3 months. The results actually scared me."
5 posts
#3
Pain & Anger
: "just found out dad has 2.5cr debt and i’m spiralling"
4 posts
Popular Topics in r/personalfinanceindia
#1
Investment
: "Confused about buying home. Investment or Trap. 😭Help me"
76 posts
#2
Loan
: "Parents forcing me to buy a house on Loan"
58 posts
#3
Finance
: "Why is loan against securities so unpopular in India?"
47 posts
#4
Savings
: "Feeling hopeless. My saving are only 59000 in Savings account and 35000 in FD. Thats it."
31 posts
#5
Struggling
28 posts
#6
Insurance
27 posts
#7
Looking For
25 posts
#8
Debt
23 posts
#9
Advice
: "Need Advice - how to plan finances"
20 posts
#10
Frustrating
17 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
Budgeting
: "₹55.9L income, ₹14.38L tax bill, and I’m only “supposed” to pay ₹29k more? The sarcasm writes itself, India"
37 posts
#2
Planning
: "34M and 34F, first-generation earners. Did wemake major financial mistakes or is this normal for people supporting entire families?"
37 posts
#3
Investing
: "Is it just me, or is the financial stress after a sudden layoff completely terrifying?"
27 posts
#4
Other
: "India will have 313 billionaires by 2031 but the middle class still can't afford to buy a flat. Does this economy make sense to anyone?"
22 posts
#5
Debt
: "My education loan was supposed to take 20 years. I cleared it in 3"
20 posts
#6
Retirement/FIRE/Milestone
: "If you think PF money hitting your bank account means you're done, think again"
12 posts
#7
Saving/Banking
: "A Tale of Two Banks: HDFC vs ICICI when life hits the fan (Why corporate empathy is dead at some banks)"
12 posts
#8
Housing
: "Mom wants me to buy a plot now. I want to invest aggressively and buy in 10 years. Help me think through this."
10 posts
#9
Taxes
: "The IT Department will find a way to tax you even when a treaty explicitly says they can't"
7 posts
#10
Auto/Car
: "Need some direction towards my first major purchase of my life"
6 posts
Member Growth in r/personalfinanceindia
Yearly
+76k members(14.6%)
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Last updated: June 25, 2026