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Save safely · Govt schemes

Small-savings rates for Oct–Dec 2026, unchanged for the 10th straight quarter. Rates are set quarterly, so confirm with India Post or your bank.

Ideas from Zerodha Varsity’s Personal Finance module. Educational, not advice.

Each sister’s father gives ₹50,000 a year from age 20 to 65. Money put in a 12% note stays locked till 65. Who ends up richest?

From the module: starting early beats saving more, because time and compounding are nonlinear.

The module’s order of play: protect first, then save, then invest.