{"id":34,"date":"2024-11-28T12:32:35","date_gmt":"2024-11-28T12:32:35","guid":{"rendered":"http:\/\/13.233.121.82.nip.io\/blogs\/?p=34"},"modified":"2025-01-13T21:09:41","modified_gmt":"2025-01-13T21:09:41","slug":"without-financial-planning-in-india-can-you-handle-lifes-3-biggest-unpredictable-challenges","status":"publish","type":"post","link":"https:\/\/www.khushi.app\/blogs\/without-financial-planning-in-india-can-you-handle-lifes-3-biggest-unpredictable-challenges\/","title":{"rendered":"Without Financial Planning in India, Can You Handle Life&#8217;s 3 Biggest Unpredictable Challenges?"},"content":{"rendered":"\n<p>Life is full of uncertainties, and while some events are predictable and manageable, others are not. These unpredictable events often require a significant amount of money to manage. To handle these uncertainties, we need a solid\u00a0<a href=\"https:\/\/www.khushi.app\/servicesinfo\/financial-planning\">financial plan<\/a>. In this blog, we\u2019ll explore three key life events that often disrupt financial stability and discuss simple yet effective\u00a0financial planning tools\u00a0to prepare for them.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"http:\/\/13.233.121.82.nip.io\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning-in-India-1024x538.png\" alt=\"\" class=\"wp-image-35\" srcset=\"https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning-in-India-1024x538.png 1024w, https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning-in-India-300x158.png 300w, https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning-in-India-768x403.png 768w, https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning-in-India.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">1. Temporary Job Loss<\/h3>\n\n\n\n<p>No job or business is completely secure. Whether due to layoffs, reduced sales, sickness, or a global crisis like COVID-19, earnings can come to a halt unexpectedly. This temporary phase leaves us with ongoing expenses but no income. Here&#8217;s how to prepare:<\/p>\n\n\n\n<p><strong>What Happens Without A Plan?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You may break your savings.<\/li>\n\n\n\n<li>Take loans at high interest rates.<\/li>\n\n\n\n<li>Rely on others for financial help.<\/li>\n<\/ul>\n\n\n\n<p><strong>The Solution: Emergency Fund<\/strong><\/p>\n\n\n\n<p>An emergency fund ensures you can manage your household expenses during tough times without breaking savings or taking loans.<\/p>\n\n\n\n<p><strong>How Much Do You Need?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Experts recommend keeping <em>3 to 6 months of family expenses<\/em> aside.<\/li>\n\n\n\n<li>Use an Emergency Fund Calculator to figure out how much emergency fund is enough for your situation.<\/li>\n<\/ul>\n\n\n\n<p><strong>How To Save For It?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Open a recurring deposit in your savings account.<\/li>\n\n\n\n<li>Save as little as 4% of your monthly income for 5 years.<\/li>\n\n\n\n<li>For example, if you earn \u20b920,000 monthly, aim to save \u20b9800 per month for 5 years as your emergency fund of \u20b960,000<\/li>\n<\/ul>\n\n\n\n<p><strong>Where To Keep An Emergency Fund In India?<\/strong>\u00a0<\/p>\n\n\n\n<p>Keep it in a savings account or a liquid fund for easy access during emergencies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Health Issues or Accidents<\/h3>\n\n\n\n<p>Unexpected illnesses or accidents often lead to unplanned hospital visits. Medical bills can be overwhelming, forcing families to sell houses, gold, lands, break savings, or take loans.<\/p>\n\n\n\n<p><strong>What Happens Without A Plan?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Using savings meant for other important goals.<\/li>\n\n\n\n<li>Delay of other important life events like buying a home or education or marriage, etc.<\/li>\n\n\n\n<li>Bankruptcy in extreme cases.<\/li>\n<\/ul>\n\n\n\n<p><strong>The Solution:<\/strong><\/p>\n\n\n\n<p>Health insurance is a must-have financial planning tool. It covers your medical expenses, reducing the financial burden during emergencies.<\/p>\n\n\n\n<p><strong>Health Insurance Benefits:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Covers hospitalization bills.<\/li>\n\n\n\n<li>Reduces financial stress during emergencies.<\/li>\n<\/ul>\n\n\n\n<p><strong>How Much Cover Do You Need?<\/strong><\/p>\n\n\n\n<p>A cover equal to your annual income is good to start with but 2 times is ideal other than metro cities( minimum 3 times). For instance, if you earn \u20b93 lakh annually, get health insurance of \u20b93 lakh minimum, the more the better.<\/p>\n\n\n\n<p><strong>How Affordable Is It?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Premiums are typically less than 3% of your annual income.<\/li>\n\n\n\n<li>For \u20b93 lakh cover, the premium may be as low as \u20b9582\/month.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"699\" height=\"447\" src=\"http:\/\/13.233.121.82.nip.io\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning1.png\" alt=\"\" class=\"wp-image-36\" srcset=\"https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning1.png 699w, https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning1-300x192.png 300w\" sizes=\"(max-width: 699px) 100vw, 699px\" \/><\/figure>\n\n\n\n<p><strong>Source:<\/strong> <a href=\"https:\/\/www.policybazaar.com\/\">Policybazaar<\/a><\/p>\n\n\n\n<p>Use a\u00a0Personal Insurance Analysis\u00a0or\u00a0Leverage Insurance Analysis\u00a0tool to choose the right policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Untimely Death<\/h3>\n\n\n\n<p>Life expectancy in India is around 70 years, but untimely death is always a possibility. If a family loses its primary earner, the financial impact can be devastating.<\/p>\n\n\n\n<p><strong>What happens without a plan?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Children may need to change schools or stop education.<\/li>\n\n\n\n<li>Family might have to move to a cheaper rented house.<\/li>\n\n\n\n<li>Spouse or child may be forced to take up a job.<\/li>\n\n\n\n<li>Struggle to meet daily household expenses.<\/li>\n\n\n\n<li>Delay or abandonment of financial goals like <a href=\"https:\/\/www.khushi.app\/blogs\/right-to-education\/\" target=\"_blank\" rel=\"noreferrer noopener\">higher education<\/a>, buying a home, or saving for retirement.<\/li>\n<\/ul>\n\n\n\n<p><strong>The Solution:<\/strong><\/p>\n\n\n\n<p><em><strong>Get a Term Insurance Policy<\/strong><\/em>.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.khushi.app\/blogs\/a-complete-guide-to-term-insurance-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">Term Insurance Benefits<\/a>:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial Security:<\/strong> A term cover of 15 times your income (e.g., \u20b945 lakh for \u20b93 lakh income) ensures your family\u2019s stability in your absence.<\/li>\n\n\n\n<li><strong>Income Replacement:<\/strong> Depositing \u20b945 lakh in a bank at 6% interest can give \u20b92.7 lakh annually, matching your income.<\/li>\n\n\n\n<li><strong>Covers Expenses:<\/strong> Helps maintain the same lifestyle, like daily costs, children\u2019s education, repay <a href=\"https:\/\/www.khushi.app\/blogs\/home-loan-planning-tips-a-comprehensive-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">home loan<\/a> and other financial needs.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Premiums are affordable, usually less than 3% of your annual income.<\/li>\n\n\n\n<li>For \u20b945 lakh coverage, a 30-year-old may pay only \u20b9774\/month.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>How Much Does It Cost?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"691\" height=\"463\" src=\"http:\/\/13.233.121.82.nip.io\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning2.png\" alt=\"\" class=\"wp-image-37\" srcset=\"https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning2.png 691w, https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning2-300x201.png 300w\" sizes=\"(max-width: 691px) 100vw, 691px\" \/><\/figure>\n\n\n\n<p><strong>Source:<\/strong> <a href=\"https:\/\/www.policybazaar.com\/\">Policybazaar<\/a><\/p>\n\n\n\n<p>Use a\u00a0<a href=\"https:\/\/www.khushi.app\/servicesinfo\/insurance-analysis\">Term Insurance Calculator<\/a>\u00a0to find the right coverage based on your financial needs.<\/p>\n\n\n\n<p><strong>Note:<br><\/strong>Bank deposits are just an example to explain income replacement. We don\u2019t recommend them as the best option. A financial advisor can guide you to better investments that can grow your money and beat inflation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Much Will This Cost?<\/h3>\n\n\n\n<p>Let\u2019s consider a 30-year-old Zomato delivery partner in Siliguri, West Bengal, earning \u20b925,000 per month. He is married to a 28-year-old wife and has a 2-year-old daughter. Based on\u00a0Policy Bazaar\u2019s premium calculations<strong>,\u00a0<\/strong>we have calculated the premiums, screenshot attached.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Tool<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Amount\/ Cover<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Monthly Cost<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>% of Income<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Emergency Fund<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960K<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9800<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.20%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Health Insurance<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b93 Lakh<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9582<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.33%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Term Insurance<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b945 Lakh<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9774<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.09%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b92156<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.62%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For less than\u00a09% of your income, you can secure your family\u2019s financial future and tackle these unpredictable events with ease.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Financial Planning in India is Essential?<\/h2>\n\n\n\n<p>For middle-class families, financial uncertainties can disrupt <a href=\"https:\/\/www.khushi.app\/blogs\/beginners-guide-to-mutual-funds\/\" target=\"_blank\" rel=\"noreferrer noopener\">long-term financial goals<\/a>. Creating a robust&nbsp;360 degree&nbsp;financial plan&nbsp;with tools like emergency funds, health insurance, and term insurance ensures financial stability.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How to Start Your Financial Journey?<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Use an <a href=\"https:\/\/www.khushi.app\/servicesinfo\/emergency-fund\">Emergency Fund Calculator<\/a> to know how much you need.<\/li>\n\n\n\n<li>Compare health and term insurance plans with the help of a Financial Planning Calculator.<\/li>\n\n\n\n<li>Seek <a href=\"https:\/\/www.khushi.app\/blogs\/how-to-choose-the-best-financial-advisor\/\">financial advisory service<\/a><a href=\"https:\/\/www.khushi.app\/blogs\/how-to-choose-the-best-financial-advisor\/\" target=\"_blank\" rel=\"noreferrer noopener\">s<\/a> for personalized guidance.<\/li>\n\n\n\n<li>Review your plan regularly using analysis tools for adjustments.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Final Thoughts<\/h3>\n\n\n\n<p>Unpredictable events are part of life, but with the right preparation and&nbsp;<a href=\"https:\/\/www.khushi.app\/blogs\/what-most-financial-planning-tips-miss\/\" target=\"_blank\" rel=\"noreferrer noopener\">financial planning in India<\/a>, you can handle them confidently. Start small, use the right&nbsp;analysis tools, and make use of affordable&nbsp;financial advisory services&nbsp;to create a robust&nbsp;financial plan&nbsp;for your future.<\/p>\n\n\n\n<p>Take charge of your\u00a0finances\u00a0today, because life may be uncertain, but your preparedness shouldn\u2019t be.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Life is full of uncertainties, and while some events are predictable and manageable, others are not. These unpredictable events often [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":35,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[160],"tags":[120,125,130,132,136,137,145,149,154,157],"class_list":["post-34","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning","tag-emergency-fund-calculator","tag-financial-advisory-services","tag-financial-plan","tag-financial-planning-in-india","tag-financial-planning-tool","tag-financial-planning-tools","tag-leverage-insurance-analysis","tag-personal-insurance-analysis","tag-term-insurance-calculator","tag-term-insurance-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Planning in India - Financial Planning Calculator<\/title>\n<meta name=\"description\" content=\"Get expert guidance on Financial Planning in India. 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Secure your future, grow your wealth, and achieve your goals with tailored strategies.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.khushi.app\/blogs\/without-financial-planning-in-india-can-you-handle-lifes-3-biggest-unpredictable-challenges\/\" \/>\n<meta property=\"og:site_name\" content=\"BADI BAHEN BLOG\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/badibahen.fb\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-28T12:32:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-13T21:09:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning-in-India.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ranadeep Saha\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@BadiBahen\" \/>\n<meta name=\"twitter:site\" content=\"@BadiBahen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ranadeep Saha\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.khushi.app\/blogs\/without-financial-planning-in-india-can-you-handle-lifes-3-biggest-unpredictable-challenges\/\",\"url\":\"https:\/\/www.khushi.app\/blogs\/without-financial-planning-in-india-can-you-handle-lifes-3-biggest-unpredictable-challenges\/\",\"name\":\"Financial Planning in India - Financial Planning Calculator\",\"isPartOf\":{\"@id\":\"https:\/\/www.khushi.app\/blogs\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.khushi.app\/blogs\/without-financial-planning-in-india-can-you-handle-lifes-3-biggest-unpredictable-challenges\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.khushi.app\/blogs\/without-financial-planning-in-india-can-you-handle-lifes-3-biggest-unpredictable-challenges\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.khushi.app\/blogs\/wp-content\/uploads\/sites\/2\/2025\/01\/Financial-Planning-in-India.png\",\"datePublished\":\"2024-11-28T12:32:35+00:00\",\"dateModified\":\"2025-01-13T21:09:41+00:00\",\"author\":{\"@id\":\"https:\/\/www.khushi.app\/blogs\/#\/schema\/person\/a58e42c3e4c634cb6fa759ea2bc8f276\"},\"description\":\"Get expert guidance on Financial Planning in India. 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