save 5000 per month

₹30,000 per month. That is the salary of a very large segment of India’s working population — junior government employees, entry-level private sector workers, teachers, factory workers, and first-job professionals in tier-2 and tier-3 cities. Most personal finance advice in India is written for people earning ₹60,000 or more. It talks about SIPs of ₹5,000…