Navratri Fasting and Financial Discipline
- Kaustubh Kale

- Sep 27
- 2 min read

Navratri is a time when devotion, self-control, and celebration come together. For nine days, people across the country observe fasting, prayers, and rituals with discipline and faith. But beyond the spiritual significance, Navratri also carries valuable lessons for our financial lives - especially in how fasting and sacrifice mirror the principles of investing.
Fasting as discipline
When we fast, we consciously give up indulgence. It is not just about avoiding food; it is about training the mind and body to resist temptation. The same applies to investing. In a world full of instant gratification - the latest gadget, a fancy car, or a luxury holiday - real wealth creation requires the discipline to say “not now.” Just as fasting strengthens willpower, disciplined investing strengthens financial health.
Sacrifice for a greater good
Navratri fasting involves small sacrifices today for spiritual growth tomorrow. In investing too, we often have to sacrifice short-term pleasures to secure long-term prosperity. Choosing to invest a bonus instead of spending it all, or increasing SIPs using a portion of the increment instead of entirely allocating it to expenses and new liabilities, may feel like a sacrifice at first. But these choices accumulate into future security and abundance - the very essence of delayed gratification.
Patience and consistency
Navratri teaches that devotion is not a one-day affair; it is observed consistently for nine days. Similarly, investing is not about one lucky trade or a single lump sum. It is about staying the course - month after month, year after year - through SIPs, asset allocation, and compounding. Just as the nine days of discipline lead to celebration, years of disciplined investing lead to financial freedom.
Balance and moderation
Fasting during Navratri is not about starving, but about moderation and mindful eating. It’s a reminder that balance is key. Investing too is not about extremes - neither reckless risk-taking nor extreme conservatism. A balanced portfolio, spread across equity, debt, and gold, ensures stability as well as growth. Just as moderation in fasting keeps the body healthy, balance in investing keeps finances resilient.
The bigger picture
Ultimately, Navratri fasting is about purification - of the body, mind, and soul. Investing, at its core, is about purification of financial habits: moving away from impulsive spending and towards purposeful wealth creation. Both require faith - faith in the process, in discipline, and in the long-term rewards.
This Navratri, as you light the diya and embrace devotion, also resolve to strengthen your financial discipline. After all, both fasting and investing demand sacrifice today - and both promise rewards far greater tomorrow.
(The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)




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