Blogs
personal-financeEmergency Fund in India: Why You Need One and Where to Park It in 2026
31 March 2026By MerlynEmergency FundLiquid FundsArbitrage FundsSavings AccountPersonal Finance IndiaFinancial PlanningFinancial Safety Net
Most Indian investors have wealth on paper but no liquidity when life actually demands it. Here is how to build your emergency fund, how much to keep, and exactly where to park it using a simple three-layer system.
Merlyn/31 March 2026
personal-financeCan you withdraw 100% of your EPF? New EPF Rules explained
26 March 2026By Merlyn EPFOEPFEPF withdrawal Retirement PlanningEPF Rules 2026Provident Fund,
EPFO has merged 13 withdrawal categories into 3 and cut the minimum service period to 12 months. Here is what changed, how much you can withdraw, and which form you need.
Merlyn /26 March 2026
personal-financeUnderstanding India Retail Inflation: Why It Rose in February and What Happens Next
17 March 2026By Merlynindia retail inflationrbi inflation targetfood inflation indianew cpi series india
Explore key trends and future projections of retail inflation in India for 2026. Understand the factors at play and what they mean for consumers. Read more.
Merlyn/17 March 2026
personal-financeIs Your Emergency Fund Bigger Than It Needs to Be?
16 February 2026By Novelty Wealth TeamEmergency FundEmergency Fund PlanningFinancial Planning
An emergency fund covers surprises without forcing loans or selling investments. Keep only the instant-access layer in a savings account, park the next layer in FDs, and use liquid or money market funds for short-term parking while staying low risk.
Novelty Wealth Team/16 February 2026
personal-financeRetirement Planning in India: What Actually Works
30 January 2026By Novelty Wealth Teamretirement planningprivate retirement schemeprocess of retirement planningEarly Retirement Planning
Retirement planning in India goes beyond just EPF contributions. This comprehensive guide covers what is retirement planning, debunks common myths about government schemes, explains the step-by-step process of building a retirement corpus, compares early vs late planning, reviews major retirement options including NPS and PPF, discusses voluntary retirement readiness, and shows how platforms like Novelty Wealth make retirement planning structured and realistic for Indian families.
Novelty Wealth Team/30 January 2026
personal-financeHow to Maximise Tax Savings Using LTA Exemption
28 January 2026By Novelty Wealth TeamLTA ExemptionLTA Tax ExemptionSalary Tax ExemptionsTax Planning
LTA (Leave Travel Allowance) helps salaried employees save tax on travel within India. This guide explains rules, claim limits, eligible expenses, and tips for planning your LTA effectively.
Novelty Wealth Team/28 January 2026
personal-financeDoes the 50/30/20 Budget Rule Really Work?
23 January 2026By Novelty Wealth Team50/30/20 budget rulebudgeting rulepersonal financemoney management
The 50/30/20 rule is one of the most searched budgeting frameworks because it feels simple enough to start today. But real life has rent spikes, EMIs, lifestyle creep, and goals that do not fit neat boxes. Find out how the 50/30/20 budget rule works, where people struggle with it, and how to adjust it without losing discipline. In such cases, Novelty Wealth helps you track what you actually spend, save, and invest, so a budget rule stays practical.
Novelty Wealth Team/23 January 2026
personal-financeHow Subscriptions Are Quietly Draining Your Wealth
22 January 2026By Novelty Wealth Teamsubscription expensesrecurring costshidden wealth leaksbudget auditsave money monthly
Small subscriptions feel harmless—but they compound into massive wealth leaks. This blog shows how OTT, apps, and forgotten tools quietly drain your money, the ₹54-lakh opportunity cost, and a simple framework to audit, cancel, and redirect savings into SIPs.
Novelty Wealth Team/22 January 2026
personal-financeHow Indians Are Retiring Early
21 January 2026By Novelty Wealth TeamFIRE Method IndiaEarly Retirement Planningpersonal finance
Early retirement isn’t a dream anymore. Learn how Indians are using the FIRE method to gain financial independence and how Novelty Wealth makes planning, tracking, and investing simpler.
Novelty Wealth Team/21 January 2026
personal-financeChoosing the Right Financial Solutions for Your Goals
7 January 2026By Novelty Wealth TeamFinancial goal managementSetting Financial GoalsPersonal financial planningPersonal finance management
Struggling to grow your money or feel uncertain about your finances? The right financial solutions start with clear financial goals. Learn how goal-based planning helps you avoid costly mistakes, make smarter investment choices, and build long-term financial security with structured decision-making.
Novelty Wealth Team/7 January 2026
personal-financeTrying to Increase Your Savings? Smarter Investing Makes It Easier
2 January 2026By Novelty Wealth Teamintelligent investingstrategic investingintelligent wealth managementSmart Investing Strategies
Explore intelligent investing with a strategic approach to grow savings faster. Learn mindful investing, high return investing ideas, safest investment options, and how AI-driven wealth management helps beginners invest smarter.
Novelty Wealth Team/2 January 2026
personal-financeDecode Your Money Personality for 2026
31 December 2025By Novelty Wealth TeamMoney Personality
Before you set new financial goals for 2026, Understanding your money personality is the first step toward smarter financial decisions in 2026. Whether you're a Procrastinator, Risk Cowboy, Spreadsheet Monk, Overthinker, or Silent Saver, recognizing your habits can help you make clearer, more intentional choices. Novelty Wealth offers personalized insights and guidance to bring clarity to your financial journey.
Novelty Wealth Team/31 December 2025
personal-financeStop Losing Track of Your Salary with an Expense Tracker
31 December 2025By Novelty Wealth Teampersonal finance trackerPersonal FinanceMoney ManagementSalary Planningpersonal financial planning
Many salaried professionals earn well yet struggle with a mid-month money crunch - not because they overspend, but because they lack visibility. This blog explains why tracking daily expenses is essential, how small unnoticed transactions drain salaries, and how a smart expense tracker brings clarity, control, and peace of mind to everyday finances.
Novelty Wealth Team/31 December 2025
personal-financeRetirement Strategy: How to Invest Your 25x+ LCM
23 December 2025By Novelty Wealth TeamRetirement PlanningRetirement Strategyretirement planning mistakes
A comprehensive guide to the 25x Lifestyle Comfort Multiple (LCM) retirement strategy. Learn how to allocate 10x in debt and 15x in equity, implement smart withdrawal rules, and avoid common retirement planning mistakes for financial security.
Novelty Wealth Team/23 December 2025
personal-financeHow To Turn AI Into Your Everyday Money-Saving Partner
18 December 2025By Novelty WealthMoney Saving
Unlock the power of AI to boost your personal finance game. Learn how to use AI-driven tools to track spending, optimize savings, and make smarter investment choices. From budgeting to financial planning, discover how AI can be your 24/7 money-saving partner, helping you manage and grow your wealth effortlessly.
Novelty Wealth/18 December 2025