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By:

Kaustubh Kale

10 September 2024 at 11:37:15 pm

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make...

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make sure you have at least six months of living expenses saved in a bank fixed deposit or a debt mutual fund. This reserve will serve as your emergency fund for unforeseen situations and ensures you are prepared for any rainy days. Review Your Asset Allocation Revisit your investments to ensure they align with your goals. For short-term goals within three years, bank fixed deposits, recurring deposits, or debt mutual funds are appropriate. For long-term goals beyond three years, a diversified combination of hybrid/equity mutual funds, direct equities, and gold should be preferred. Do Sufficient SIPs Systematic Investment Plans (SIPs) are the backbone of disciplined investing. At least 25-30 percent of your in-hand monthly income should ideally be invested through SIPs in mutual funds, equities, and gold. This consistent approach will steadily build wealth over time. Make Lumpsum Investments Along with SIPs, voluntary lumpsum contributions into long-term assets whenever you have surplus funds can accelerate wealth creation. Even occasional lumpsum additions make a significant difference to the overall corpus. Increase Your SIPs Annually As your income increases, make sure your investments grow as well. Increasing your SIP amounts every year helps your wealth stay in line with inflation and your rising lifestyle needs. Increase your SIPs yearly and anchor them to at least 30 percent of your monthly income. Stay Invested Remain invested until your financial goals are achieved. Avoid redeeming investments unnecessarily. Frequent withdrawals disrupt compounding. If liquidity is required, consider taking an overdraft loan against your investments rather than breaking them prematurely. Health Insurance Safeguard your family with adequate health insurance. Opt for a minimum cover of 25 lakhs per family member with comprehensive features. Remember that relying only on employer-provided insurance is risky. Independent health insurance is essential. Term Life Insurance Protect your loved ones with a pure term life insurance policy. Ensure a cover of at least ten times your annual income, along with provisions for any outstanding loans. Stay away from mixing insurance with investments. A simple term plan is the most effective solution. Consult a Financial Advisor A full-time, well-qualified financial advisor can simplify your financial journey. Professional guidance ensures disciplined planning, correct product selection, and proper execution of your financial strategy. May this festive season bring abundance and lasting financial peace. (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

The Still Small Voice

Jun 21, 2025
3 min read

In an anxious India, spirituality is emerging as a quiet force for emotional resilience that is rooted not in ritual, but in reflection.

In an age of ambient anxiety as we mediate a fast-paced, hyper-connected and often emotionally hollow world, the search for equilibrium is becoming a defining human pursuit. Stress has grown habitual. Loneliness, especially among the young, seeps through curated lives and pixelated screens. Therapy has gone mainstream while mindfulness has become a billion-dollar industry in tandem with self-help mantras, that endlessly echo online. Yet, away from this chorus of coping, something subtler and more primal is stirring in form of a ‘rediscovered spirituality.’


The beginnings of this change are rarely dramatic. There is no bolt of lightning, no revelatory flash. More often, it begins in silence; I recall watching my parents immersed in prayer, silently joining them in rituals observed without understanding, but absorbed nonetheless. A quiet tether is thus formed, not from faith but from familiarity, and it remains dormant until needed.


And when grief strikes, that dormant tether tightens and becomes a lifeline. After the personal loss of a loved one, I found myself turning more deeply towards Lord Shiva. Not out of tradition or obligation but as a way to cope, to share my fears and grief. I was not praying for success or blessings. I was simply speaking to something, or someone, that felt like it was listening like my father used to do.


And in that act of surrender, I discovered something profound: inner peace. What began as a practice became a refuge. Spirituality became emotional support an invisible anchor during life’s most turbulent phases.


Over time, prayer taught me more than just calmness it taught me patience. I began to understand that life, with all its ups and downs, is a continuous cycle. Unfulfillment is not the end. Every fall comes with learning. And just like night always gives way to a day, difficult times eventually pass.


When the world gradually returned to normal after the pandemic, I felt an inner urge to step out and seek something deeper. Travel had always made me uneasy, but this time was different. I gathered the courage to visit Kedarnath, a place I had only heard about in stories and seen in photographs. Nestled in the heart of the Himalayas, Kedarnath did not just offer a destination but a transformation.


That journey awakened something elemental. I was profoundly moved by the tranquil union of nature and divinity. Despite never being drawn to mountains before, standing before the ancient temple at the summit filled me with an overwhelming sense of calm, energy and fulfilment.


The trek, though demanding, became a metaphor for life - challenging, yet deeply rewarding. That experience lit a spark within me. I began trekking more often, not for adventure, but to reconnect with that quiet stillness I first encountered in the mountains. Over time, I started noticing spirituality in the simplest details: the warmth of a sunrise, the hush of a breeze, the rhythm of flowing water, even in the gentle grazing of sheep on a hillside.


And still, some ask: how can one believe in what cannot be seen? But invisibility has never invalidated reality. Wi-Fi signals remain unseen, yet are trusted because they work. They connect. So too with spirituality. It does not boast its power, but it reveals itself through result in form of a steadier heart, a quieter mind, a resilience that does not fracture.


Science, once sceptical, now seems to catch up. Quantum theory speaks of particles vibrating at frequencies of energy as the substratum of matter.


Thoughts and emotions are invisible, yet undeniably potent. They shape chemistry. They move lives. Spirituality, in its way, accesses that same energetic continuum, quietly tuning the self to something vaster than self.


And this is the message that bears repetition: spirituality is not the preserve of the old or the religious. It is not defined by incense, mantras, or stained glass. It is not tradition-bound; it is timeless.


For a generation quietly drowning in perfectionism, comparison, and disconnection, spirituality might be the most subversive act of self-preservation. It asks no loyalty. It does not demand belief. Sometimes, just the feeling that something hears you is enough to begin healing.


In its truest form, spirituality is not about miracles. It is about making peace with the lack of them. It is about safety without certainty, endurance without reward, faith without proof. And when one begins to sense that the divine does not reside elsewhere but quietly within, the search itself dissolves.


What remains is not an answer but an awakening.


(The writer is a cybersecurity professional and an avid traveler.)

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