The Coupl Blog · 01

Stories on shared
money.

Practical guides on joint accounts, shared finances, and banking — for every kind of couple in India.

Couples Finance

Managing money together as a couple

32 articles
Couples Finance10 min read

Rent vs Buy a House in India: The 4-2-0 Rule Every Couple Must Know

Everyone tells couples to buy a house. Almost no one shows them the full maths. The 4-2-0 rule cuts through the noise — here is what renting vs buying actually costs over 20 years.

11 May 2026Read
Couples Finance9 min read

Home Loan vs SIP: Should Couples Invest or Prepay Their Loan? The F² Rule

Once an Indian couple has a home loan running, the next big question hits: use extra money to prepay the loan or invest it in mutual funds? The F² rule answers this definitively.

11 May 2026Read
Couples Finance10 min read

How Indian Couples Can Become Crorepatis: A Realistic Step-by-Step Plan

Building ₹1 crore as an Indian couple is completely achievable — but almost nobody does the actual maths before starting. Here is the realistic plan, including what most couples get wrong.

11 May 2026Read
Couples Finance9 min read

How Indian Couples Actually Spend Money — and Where It Goes Wrong

Most Indian couples have no idea where their combined income actually goes. A data-backed look at the patterns — and the specific leaks that drain dual-income households.

11 May 2026Read
Couples Finance9 min read

Health Insurance Mistakes Indian Couples Make — and What to Actually Buy

In 2024, Indian health insurers rejected claims worth ₹26,000 crore. Here are the specific mistakes that leave Indian couples exposed — and what to buy instead.

11 May 2026Read
Couples Finance11 min read

The Real Cost of Having a Baby in India: What Couples Need to Financially Prepare For

Everyone says having children is expensive. Nobody tells you the actual numbers. Here's what a baby actually costs in India in 2026 — from delivery day to Class 12 — and how to prepare.

11 May 2026Read
Couples Finance9 min read

PPF, NPS, or Both? How Indian Couples Should Plan Tax-Saving Investments

₹3 lakh in tax deductions per person if you use every available instrument. But most couples leave lakhs on the table by not coordinating their 80C and 80CCD investments. Here's the full playbook.

11 May 2026Read
Couples Finance9 min read

Why Indian Couples Fight About Money (And 5 Things That Actually Fix It)

It rarely starts with money. It starts with the grocery bill, or the credit card statement, or who paid rent last month. Here's what's actually going on — and the structural fixes that work.

11 May 2026Read
Couples Finance7 min read

How Indian Couples Can Use UPI to Actually Stay on Budget

You GPay each other constantly. But does all that transferring actually keep you on budget, or does it just make it harder to see where the money goes? Here's how to use UPI properly as a couple.

10 May 2026Read

Banking

Joint accounts, bank comparisons & guides

7 articles
Banking7 min read

How to Add Your Partner as a Nominee in Indian Banks (If You're Not Married)

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.

28 Apr 2026Read
Banking6 min read

HDFC Joint Account for Couples: What You Need to Know (2026)

HDFC offers joint accounts, but the requirements, minimum balance, and branch visits make it impractical for most Indian couples. Here's what to know.

20 Apr 2026Read
Banking6 min read

SBI Joint Account for Couples: Requirements, Process & Better Alternatives (2026)

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.

20 Apr 2026Read
Banking5 min read

Kotak Mahindra Bank Joint Account for Couples: Is It Worth It? (2026)

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.

20 Apr 2026Read
Banking5 min read

IDFC FIRST Bank Joint Account for Couples: Full Guide (2026)

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.

20 Apr 2026Read
Banking7 min read

Can Unmarried Couples Open a Joint Account in India? (2026 Guide)

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.

17 Apr 2026Read
Banking6 min read

Banking Options for Same-Sex Couples in India (2026): What's Actually Available

Traditional banks in India exclude same-sex couples from joint accounts. Here's what's actually available in 2026.

17 Apr 2026Read

Legal & Rights

Legal rights, taxes, property & insurance

6 articles
Legal & Rights10 min read

NRI Couples and Finances in India: The Joint Account, Investment and Tax Guide

One of you is in Dubai, the other in Bengaluru. Or you're both in the US but still managing parents' expenses, property, and SIPs back home. NRI couple finances have their own set of rules. Here they are.

11 May 2026Read
Legal & Rights11 min read

Live-In Relationships in India: The Complete Guide to Money, Law, and Rights (2026)

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.

28 Apr 2026Read
Legal & Rights8 min read

What Happens to Your Money When Live-In Couples Break Up in India (2026)

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.

28 Apr 2026Read
Legal & Rights8 min read

Tax Implications for Unmarried Couples in India: What You Need to Know (2026)

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.

28 Apr 2026Read
Legal & Rights10 min read

Can Unmarried Couples Buy Property Together in India? A Complete Guide (2026)

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.

28 Apr 2026Read
Legal & Rights9 min read

Financial Rights of Live-In Couples in India: What the Law Actually Says (2026)

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.

28 Apr 2026Read

Investing

Investing, insurance & wealth building

6 articles
Investing10 min read

The FIRE Movement for Indian Couples: Can You Both Retire in Your 40s?

FIRE — Financial Independence, Retire Early — is a movement built on aggressive savings rates and index investing. For Indian couples, it's achievable, but the path looks different. Here's the honest version.

11 May 2026Read
Investing8 min read

Term Insurance for Unmarried Couples in India: What's Actually Possible

Can you name your live-in partner as the beneficiary on your term insurance? Mostly yes — but the reality is more complicated than insurers admit. Here's what actually works.

10 May 2026Read
Investing9 min read

Gold vs. Mutual Funds: Where Should Indian Couples Actually Put Their Savings?

Your mother says buy gold. Your colleague says SIP in index funds. Your partner says do both. Here's the actual answer — with numbers, tax implications, and what makes sense for your specific situation.

10 May 2026Read
Investing9 min read

SIP Together or Separately? How Indian Couples Should Actually Invest

You want to invest together. But should you actually open joint investments, or keep them separate? The tax angle, the practical angle, and the right answer for most Indian couples.

10 May 2026Read
Investing8 min read

Health Insurance for Unmarried Partners in India: Your Real Options in 2026

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.

28 Apr 2026Read
Investing9 min read

How to Invest Together as an Unmarried Couple in India (2026 Guide)

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.

28 Apr 2026Read