Sayli Gadakh

Fiscal Leakage from Climate Risk

Natural disasters may last days, but their financial consequences can burden governments for generations.
Business 
Read...

Beyond the QR Code: Understanding the Financial Impact of UPI’s New MDR Framework

Bharath walks into a shop to buy a mobile phone worth ₹50,000. He scans the UPI QR code, enters the amount and within seconds, the payment is done. There is...
Business 
Read...

From Balance Sheets to Nation-Building

The balance sheet of a government belongs, in a broader sense, to the citizens. In India’s rapidly evolving economic landscape, the role of a Chartered Accountant is no longer confined...
Business 
Read...

From Education to Employment: Bridging India’s Skills Gap

A qualification does not always translate into employability. The EEE framework seeks to bridge that gap by connecting education, skills and employment. When Aarav Kulkarni, a commerce graduate from Pune,...
Education 
Read...

A Middle-Class Family’s Financial Balancing Act

Bharat cannot control rising prices, but he can control how prepared his family is. Bharat is not a businessman or a high-salaried executive. He is an ordinary middle-class working man...
Business 
Read...

One Child, Two Price Tags: Government Spending vs Private-School Fees

The real question is not what education costs, but what educational outcome every rupee delivers. Bharath, a 34-year-old salaried professional, recently sat down to calculate the annual cost of his...
Business 
Read...

Why Rs 1 Crore May Not Be Enough for Retirement

For most middle-class Indians, Rs 1 crore is a retirement milestone — but it may not be enough Bharat, 35, has a stable job, a growing income and a clear...
Business 
Read...

An Informed Vote Begins With Financial Literacy

When you cast your vote, you choose more than a political leader—you choose who will be entrusted with managing public money. Bharat, a 28-year-old software engineer, walked into a polling...
Business 
Read...

The Frozen Assets of India’s Education Budget

Education is a nation's premier capital investment. Its return is realised only when a degree translates into a pay cheque or a successful startup. Imagine Bharath, a graduate from a...
Business 
Read...

Zero-Cost EMI Isn't Always Zero Cost

There is no such thing as cost-free financing. If interest isn't explicitly charged, its cost has simply been embedded elsewhere. Bharath, a 30-year-old software engineer, wanted to buy a premium...
Business 
Read...

The Silent Budget Crisis Squeezing Middle Class

Invisible inflation isn't about one big price hike—it's dozens of small increases that quietly erode a family's savings, month after month, without most households even noticing. Bharath, a middle-class employee...
Business 
Read...

Financial Grief: The Burden of Losing a Breadwinner

Financial planning is not just about growing wealth—it is about protecting the people we leave behind. Bharath, a 26-year-old software engineer in Pune, lived with his parents and younger sister....
Business 
Read...

About The Author