Just like regular health checkups keep your body in shape, your wallet needs the same care. In 2025, as financial stress rises across Indian households, evaluating your financial health isn’t optional, it’s necessary.
According to a recent survey by Deloitte, only 27% of Indians feel confident about their financial health, while over 60% don’t have a basic emergency fund. If that sounds familiar, it may be time for a financial check-up.
Here are key signs your finances need attention:
1. Living Paycheque to Paycheque
If you’re barely making it to the month-end, you’re not alone. A survey by LocalCircles found that 43% of Indian families don’t have monthly savings. Start with basic money management tips like budgeting and expense tracking.
2. No Emergency Savings
A solid emergency fund should cover 3–6 months of essential expenses. Yet, most Indian households have little to no buffer, leaving them vulnerable to unexpected shocks.
3. Rising Debt or Missed Payments
If debt repayments eat up a big chunk of your income, it’s time to pause and improve your financial health. Tackle high-interest loans first and restructure debt if needed.
4. Lack of Investments or Retirement Plan
FDs alone won’t beat inflation. Diversifying through SIPs or mutual funds can help build financial wellness for the future.
Your wallet won’t get fit on its own,regular checkups and smarter choices will. Start small, stay consistent, and build a stronger financial future,one rupee at a time.
