r/personalfinanceindia is a subreddit with 593k members. The most common kinds of discussions are advice requests and pain & anger, 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?"
46 posts
#2
Pain & Anger
: "The whole system wouldn't let you grow your money at all."
10 posts
#3
Money Talk
: "My family expects me to "loan" all my money for my marriage expenses, should I agree?"
4 posts
#4
Solution Requests
: "I have around 1.5lacs , where should I invest it?"
2 posts
Popular Topics in r/personalfinanceindia
#1
Investment
: "24 year old. Need Investment advice."
76 posts
#2
Loan
: "My family expects me to "Loan" all my money for my marriage expenses, should I agree?"
58 posts
#3
Finance
: "Finance psychology is funny."
47 posts
#4
Savings
: "40F | Tier-2 City | 40k PM Income | 5L Savings — How do I start investing and securing my future from scratch?"
31 posts
#5
Struggling
28 posts
#6
Insurance
: "My brother is denied Term Insurance from every provider"
27 posts
#7
Looking For
25 posts
#8
Debt
: "25M, restaurant failed, ₹70L Debt remaining. Considering taking more Debt to restart. Need honest advice."
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
: "Your AC’s star rating is calculated at 35°C — Delhi hits 46°C every May. Here’s what that actually costs you."
43 posts
#2
Planning
: "34M and 34F, first-generation earners. Did wemake major financial mistakes or is this normal for people supporting entire families?"
33 posts
#3
Investing
: "Is it just me, or is the crazy high gold price completely destroying your family’s wedding budget?"
29 posts
#4
Debt
: "My dad just destroyed 200 grams of gold!!"
27 posts
#5
Other
: "On paper, I am rich, but in reality, I am poor."
20 posts
#6
Housing
: "Mom wants me to buy a plot now. I want to invest aggressively and buy in 10 years. Help me think through this."
12 posts
#7
Saving/Banking
: "Feeling hopeless. My saving are only 59000 in savings account and 35000 in FD. Thats it."
11 posts
#8
Retirement/FIRE/Milestone
: "If you think PF money hitting your bank account means you're done, think again"
8 posts
#9
Auto/Car
: "Purchasing a car is scary!"
6 posts
#10
Taxes
: "NPS saves me only ~₹35k–38k in tax a year. Is it worth it?"
5 posts
Member Growth in r/personalfinanceindia
Yearly
+78k members(15.1%)
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Last updated: June 18, 2026