Couples Finance
Practical guides on joint accounts, shared finances, and banking for couples in India.
Managing money together as a couple
Most money advice for couples was written for the West. Here's what actually works for Indian couples, accounting for family obligations, joint accounts, income gaps, and the rest.
Most Indian couples discuss wedding flowers in more detail than their finances. Here's every money conversation you need to have, and what to actually do about it, before you get married.
From Splitwise to a full shared wallet with two cards, here's how every popular couple-finance app stacks up for Indian couples in 2026.
No joint account, no shared lease, and someone always owes someone money. Here's how Indian couples actually fix the rent-and-bills problem.
Most Indians reach the end of the month with no clear idea where their salary went. This is not a discipline problem, it's a system problem. Here's why and how to fix it.
Investing feels like it's for wealthy experts, not ordinary people. Here's why that feeling exists, and the simplest first steps for someone who's never invested before.
A migrant worker sending ₹10,000 home can lose ₹500–1,500 in fees alone. Here's where the money goes, and how to send more of it home.
Accessing a deceased person's bank account in India can take months and thousands of rupees in legal fees. Here's why, and what you can do now to prevent this for your own family.
Indian weddings see lakhs move in envelopes, transfers, and gifts, but most couples have no system to track it. Here's why wedding shagun money disappears and what to do instead.
Most people buy insurance but can't explain what it covers. Here's why insurance policies are deliberately hard to understand, and how to decode yours.
From PPF to P2P lending, real estate to REITs, every investment option available in India, ranked by risk-reward with average returns and who each suits best.
Money is the #1 thing couples in India fight about. Here's a practical system to manage it together, without the arguments.
Joint accounts, bank comparisons & guides
Banks ask for a nominee, not a spouse. You can add your live-in partner right now, and here's exactly why that matters and how to do it.
HDFC offers joint accounts, but the requirements, minimum balance, and branch visits make it impractical for most Indian couples. Here's what to know.
SBI is India's largest bank and does offer joint accounts, but the process, eligibility, and minimum balance rules are worth understanding before you go to a branch.
Kotak's 811 is India's most popular digital savings account, but it's individual-only. Here's what Kotak actually offers for couples, and what works better.
IDFC FIRST Bank has some of the best savings account rates and features in India. Here's what they offer for couples, and where the gaps are.
Most Indian banks won't open a joint account for you unless you're married. Here's what's actually available, and what's changed.
Traditional banks in India exclude same-sex couples from joint accounts. Here's what's actually available in 2026.
Legal rights, taxes, property & insurance
India's Supreme Court has protected live-in couples for decades. Your bank hasn't caught up yet. Here's the complete picture, legally, financially, and practically.
Unlike divorce, there's no court process for splitting assets when unmarried couples separate. Here's what the law says, and how to protect yourself before you need to.
Gift tax, HRA rules, home loan deductions, and the 'deemed income' trap, here's what the Indian Income Tax Act actually says about unmarried couples.
No legal barrier stops unmarried couples from buying property together, but the bank, the taxman, and the question of what happens if you split deserve careful attention.
India's Supreme Court has repeatedly protected live-in couples, but your bank hasn't caught up. Here's the full legal picture for 2026.
Investing, insurance & wealth building
Most Indian health insurance policies define 'family' as spouse plus children. If you're unmarried, your partner doesn't qualify, but you have more options than most people realise.
Joint mutual funds, joint FDs, co-owned property, here's what's actually possible for unmarried couples who want to build wealth together in India.