27
Jan, 2026
Emergency fund

Emergency Fund Explained: How to Build Financial Safety While You Invest

Even with limited savings, smart planning helps you invest while building emergency protection.

Introduction: Real Life Is Not Perfect, So Planning Must Be Practical

Most financial advice sounds ideal:

“First build an emergency fund, then start investing.”

But real life is different.

Many families:

  • Have limited monthly savings
  • Cannot wait years before investing
  • Still face emergencies anytime

So the smarter approach is not choosing between emergency fund and investment, but balancing both based on your situation.

What Is an Emergency Fund?

An emergency fund is money kept aside to handle unexpected situations like:

  • Medical emergencies
  • Job loss or salary delay
  • Urgent home or vehicle repairs
  • Family emergencies

Its main purpose is simple:
👉 Protect your life goals and investments during tough times.

Why Every Family Needs an Emergency Fund

Emergencies do not come with notice.

Without an emergency fund:

  • You may break long-term investments
  • You may take high-interest loans
  • Your financial plans get disturbed

An emergency fund gives you:

  • ✔ Financial confidence
  • ✔ Peace of mind
  • ✔ Stability during uncertain times

Important Truth: Emergency Fund Does NOT Mean Stop Investing

This is where most people get confused.

If You Have Good Savings

If your income allows and you already have surplus money:

  • Build 3–6 months of expenses as emergency fund first
  • Then invest aggressively

This is ideal—but not possible for everyone.

If You Have Limited Savings: The Smarter Approach

If your savings are small, do not stop investing completely.

Instead:

  • Start a small SIP (even ₹500–₹1,000)
  • Simultaneously build emergency fund slowly

Why?

  • Investing builds discipline
  • Emergency fund builds safety
  • Both together create financial balance

👉 Waiting “to invest later” often means never starting at all.

How Much Emergency Fund Is Enough?

General guideline:

  • 3 months expenses – minimum
  • 6 months expenses – ideal

For example:

  • Monthly expense: ₹25,000
  • Emergency fund target: ₹75,000 to ₹1.5 lakh

You don’t need to build it overnight.
Consistency matters more than speed.

Where Should You Keep an Emergency Fund?

Emergency fund should be:

  • Easily accessible
  • Safe from market fluctuations

Best options:

  • Savings account
  • Liquid mutual funds
  • Short-term fixed deposits

Avoid:

  • Equity investments
  • Locked-in instruments

Common Mistakes People Make

  • Keeping emergency fund in stocks
  • Using credit cards as emergency backup
  • Not separating emergency money from regular savings
  • Trying to build everything at once and giving up

Small, steady steps always work better.

Emergency Fund + Insurance = Strong Financial Protection

An emergency fund works best when combined with:

  • Health insurance
  • Term insurance

Insurance covers big risks,
Emergency fund handles short-term shocks.

Together, they protect:

  • Your income
  • Your savings
  • Your investments

Final Thoughts: Financial Safety Is a Journey, Not a One-Time Task

You don’t need a big salary to be financially prepared.
You need:

  • Clear priorities
  • Small disciplined actions
  • Right guidance

Build safety. Invest small. Grow steadily.

Not sure how to:

  • Balance emergency fund and SIP?
  • Decide how much to save vs invest?

Arodeal FinTech helps you create a practical financial plan, not textbook theory.

👉 Start smart.
👉 Stay prepared.
👉 Grow with confidence.

26
Jan, 2026
Motor insurance

Motor Insurance Explained: Why Your Vehicle Needs More Than Just RC

Introduction: One Small Accident Can Cost You Big

Many people buy a vehicle after years of hard work.
But when it comes to insurance, they see it as just a legal formality.

If you are searching for motor insurance explained, why motor insurance is important, or vehicle insurance in India, this blog will help you understand why motor insurance is not optional—it is essential.

Motor insurance is not only about your vehicle.
It is about protecting your money and your peace of mind.

What Is Motor Insurance?

Motor insurance is a policy that provides financial protection against:

  • Accidents
  • Theft
  • Fire
  • Natural disasters
  • Third-party legal liabilities

In India, having at least third-party motor insurance is mandatory by law.

Types of Motor Insurance in India

1️⃣ Third-Party Motor Insurance

  • Mandatory by law
  • Covers damage or injury to third parties
  • Does NOT cover your own vehicle damage

2️⃣ Comprehensive Motor Insurance

  • Covers third-party + own vehicle damage
  • Protection against theft, accident, fire, flood, etc.
  • Best choice for complete protection

If you want real safety, comprehensive motor insurance is the smarter option.

A Real-Life Example (Very Common Case)

Amit owns a small car and only has third-party insurance to save money.

One night, his car meets with an accident.

Expenses:

  • Car repair: ₹1.2 lakhs
  • Towing charges
  • No insurance claim possible

👉 Entire amount paid from his pocket.

If Amit had comprehensive motor insurance, most of this expense would have been covered.

This is why vehicle insurance is more than just a legal requirement.

Why Motor Insurance Is Important

Here’s why motor insurance is important for every vehicle owner:

  • ✔ Protects against expensive repair bills
  • ✔ Covers third-party legal liabilities
  • ✔ Provides financial security
  • ✔ Offers cashless repair facility
  • ✔ Saves you from sudden financial stress

Without proper insurance, even a minor accident can disturb your monthly budget.

Motor Insurance vs Paying Repair Costs Yourself

When you rely only on your savings:

  • Repair costs hit suddenly
  • Emergency cash is required
  • Savings meant for future goals get used

With motor insurance:

  • Insurance covers major expenses
  • Cashless repair reduces stress
  • Your savings stay protected

Motor insurance protects both your vehicle and your financial planning.

Add-Ons That Make Motor Insurance Better

Popular motor insurance add-ons include:

  • Zero depreciation cover
  • Engine protection
  • Roadside assistance
  • Return to invoice

These add-ons slightly increase premium but offer much better protection.

How to Choose the Right Motor Insurance

Before buying or renewing motor insurance, check:

  • Coverage type (third-party or comprehensive)
  • Claim settlement support
  • Network garages
  • Add-on benefits

Choosing the cheapest policy is not always the smartest decision.

Final Thoughts: Drive Smart, Stay Protected

You may drive carefully, but you cannot control the road or others.

Motor insurance ensures that one unexpected incident does not turn into a financial burden.

Connect with Arodeal FinTech for:

  • Easy policy comparison
  • Clear explanation
  • Awareness-based guidance

Protect your vehicle. Protect your savings.

5
Dec, 2020

SIM Swap Fraud & its Protection

By SIM swap, we simply mean changing mobile SIM cards. If this is done without your knowledge, then it is probably done for some fraudulent activity. Under SIM swap fraud, fraudsters get a new SIM card issued against your registered mobile number via the mobile service provider. With the help of this new SIM, they can get One Time Password (OTP). And other alerts required to carry out financial transactions through your bank account.

Modes of Operation:

In SIM Swap Fraud- The fraudster obtains the victim’s bank account details and registered mobile number. This can be done via social engineering tactics such as phishing, vising, smashing, etc.

– After this, he/she visit the mobile operator’s retail outlet posing as the victim with a fake ID proof to get the original SIM blocked.

– Post verification, the operator deactivates the genuine customer’s (victim’s) SIM and issues a new SIM card to the fake customer (fraudster).

– Now, the SIM swap fraudster can obtain OTPs with the new SIM. To conduct fraudulent transactions on the victim’s accounts using the banking details obtained via Phishing / Vishing tactics.

How to protect yourself from fraud?

Beware of SIM Swap Fraud by social engineering tactics (vising, phishing, smashing).Which aim to steal your confidential and personal data. If your mobile number is inactive / out of range, inquire with your mobile operator immediately. To avoid the worst-case scenario, immediately change your bank account password. Register for regular SMS as well as e-mail alerts for your banking transactions. (Even if your SIM is de-activated, you shall continue to receive the alerts in email).

Periodically access your bank account statement. To ensure that the transactions reflecting in the statement have indeed been made by you.

In case of a fraud, contact phone banking immediately to have your account blocked and avoid further fraud.

For other top useful news please visit to Arodeal Fintech

17
Nov, 2020
How to begin Investing in Cryptocurrency

Spend money on Cryptocurrency Today – How to begin Investing in Cryptocurrency

Cryptocurrency ventures are currently in high need. If you are not in debt, need a mortgage to give your regular bills, and you have already devoted Análise Bitcoin Millionaire Pro 15% of your annual income on progress stock money that are many times more steady than Cryptos, then you might desire to try out cryptos. If you haven’t heard of these people, then the initially question you’re here probably requesting is why might I want to devote in Cryptocurrencies? The response to that problem is that cryptos are a very efficient and reliable method to leverage http://plakatdesain.blogspot.com/ your hard earned dollars. By using cryptos as an investment vehicle you can have the ability to harness the potency of the internet, apply algorithms, and follow a pair of rules that could direct the investment return to you.

In this article we are going to give you a short overview on how you can benefit from investing in the digital foreign money industry. The first step in investing in any kind of asset class is to understand this completely. We highly recommend you getting a extensive course that addresses the whole of the property class. That way you’ll have a solid foundation of knowledge and commence building a sound data model to use for investments and make decisions about once and if to get.

Next, we are going to review the two most popular investment automobiles that are out there today, the Dashboard and the ChainlinkICO CardanoICO Advantage. Both of these property classes experience several advantages that sets them apart from all other investment automobiles available on the market. For instance , the Dashboard is a quick source of money-making info since it is certainly integrated considering the largest forex trading platform around. On the other hand, the ChainlinkICO CardanoICO Asset is easily one of the profitable and secure hedge investment options available today. Finally, we are going to review among the best ways you can mix up your portfolio using cryptosurfers like Cardano and the Dashboard.

14
Nov, 2020

Children’s Day 5 Lessons for every child

Children are the future. Wishing every child a very Happy Children’s Day.Here are the five lessons for  every child that must read for better future.

Inflation: Your guitar gets expensive every year:

Want to save money to buy that guitar you just saw in a shop’s window? It costs Rs 3,000 today. But it won’t cost you the same next year. Its price will go up. That’s because prices rise. Next year, it might cost you Rs 3,180. And in the year after that, it would cost you Rs 3,370. Let us look at this in a different way. What your Rs 100 note in your pocket can buy today, it would buy you fewer things next year. That is because every year, your money loses its purchasing power.

Compounding:

CompoundingImagine a magic box. You put in one coin and you get two. Then, when you put in two coins, you get three. That’s magic, right? Actually it happens in real life too. When your mom and dad put money in an investment, your money grows. It’s called compounding because your money earns interest. Your kitty becomes bigger. After some time, when you make a withdrawal, you don’t just get what you had originally put in. You get something more.
What is the currency of USA?
What is the currency of USA?

You love foreign holidays, right? We all love to shop there too. But did you know that different countries use different currencies? If you buy a tennis racquet in the US- say the Wilson Clash 26 tennis racquet- it’ll cost you $119. You need to convert as much as Rs 8,894 to be able to buy your tennis racquet worth that much. If you buy the same racquet in London, you need to spend British Pounds 79.99. How much Indian rupees is that? Rs 7,972. And if you buy the same racquet in France, you need to pay Euros 90.99. That’s Rs 8019. The price of something bought here in India is different than when you buy abroad. Different countries have different currencies.

Spend carefully. Be a good kid:

Spend carefully. Be a good kid What do you do when your mom and dad give you a chocolate bar? Of course you’ll eat it; who wouldn’t? But do you eat it all at once? Hopefully not. If you get one big chocolate bar a month, then you cut it up into pieces and eat one piece a day. If your chocolate lasts for an entire month, you get a new chocolate bar next month. But if you eat it up all at once, you will crave for chocolate for the rest of the month. What’s the lesson? You’ve got to spend wisely. Don’t spend all your money at once. Spend slowly.

 

Giving:

Giving

Don’t forget to give a gift to someone and make someone happy. Money is not just to be used to buy us good things or what we need. Just like how we buy things with our money, we should also help those in need. This Diwali, try giving some gifts to your loved ones, your friends and also your domestic helps.

Credit:-Moneycontrol