Beyond the Payslip

Beyond the Payslip

Planning, Saving, Investing and Living Well in India and a Changing WorldYour salary lands. Rent, EMIs, a little for fun, and whatever's left gets "saved" - until it doesn't. Most personal finance advice either assumes you're already wealthy or buries you in jargon you'll forget by the next chapter. This book does neither. Beyond the Payslip is a complete, India-specific guide to the financial life that exists beyond your monthly paycheck - from your first salary to a comfortable retirement, and everything in between: budgeting that doesn't feel like punishment, debt you can actually eliminate, investing that balances equity, debt, and gold, insurance that protects rather than disappoints, and the milestones - marriage, a home, a child's education - that most people plan for only after they've already arrived.

Along the way: real statistics from RBI, SEBI, and IRDAI (not recycled guesses), a hundred pages that stay grounded in Indian instruments and Indian tax rules, specialised chapters on credit scores, real estate, fraud protection, and NRI finances, and enough worksheets, tables, and a glossary to make this a book you return to, not just read once.