---
title: "Personal Finance for India | Path 20 | RupeeCase Learn"
description: "Personal finance for India: cash flow and emergency fund, insurance, debt and credit, EPF, PPF and NPS, the two tax regimes, home, goals, retirement and estate."
source_url: "https://www.rupeecase.com/learn/path-20/"
---

[RupeeCase Learn](/learn/)/Path 20/Beginner

# Personal Finance for India

    Cash flow, insurance, debt, EPF, PPF and NPS, the two tax regimes, home, goals, retirement and estate, worked in rupees.

* **11** modules
* **205 min** of reading
* **33** question path test
* **Free** with a certificate

    [Start at 20.1](/learn/path-20/module-20-1-cash-flow-and-emergency-fund)See the stops

      01The line

## 11 stops, in order.

      Money in the right order: cash flow, an emergency fund, insurance, debt, EPF, PPF and NPS, the tax regimes, a home, goals, retirement and estate, all worked in rupees.

      **0** of 11 done on this device

1. [20.1Cash Flow and the Emergency FundCash flow, emergency fund, DICGC19 min](/learn/path-20/module-20-1-cash-flow-and-emergency-fund)

2. [20.2Insurance First: Term and Health CoverTerm cover, health cover, endowment maths20 min](/learn/path-20/module-20-2-insurance-first)

3. [20.3Debt and Credit: EMIs, Cards, ScoresEMIs, cards, credit reports, prepay or invest20 min](/learn/path-20/module-20-3-debt-and-credit)

4. [20.4EPF, VPF and PPFEPF, EPS, VPF and PPF rules and tax20 min](/learn/path-20/module-20-4-epf-vpf-and-ppf)

5. [20.5NPS: Tiers, Charges, Exit and TaxTiers, choices, exit and annuity rules17 min](/learn/path-20/module-20-5-nps)

6. [20.6Old vs New Tax Regime for FY 2026-27Slabs, rebate, deductions, break even17 min](/learn/path-20/module-20-6-old-vs-new-tax-regime)

7. [20.7Owning or Renting a Home: The Maths in RupeesOwning or renting a home, the maths20 min](/learn/path-20/module-20-7-home-buy-or-rent)

8. [20.8Goal Planning in Future RupeesGoals in future rupees, SIP maths17 min](/learn/path-20/module-20-8-goal-planning)

9. [20.9Retirement Maths: Corpus, Longevity and IncomeCorpus, withdrawals, sequence risk17 min](/learn/path-20/module-20-9-retirement-maths)

10. [20.10Nominees, Wills and EstateNominees, wills, transmission20 min](/learn/path-20/module-20-10-nominees-wills-and-estate)

11. [20.11Putting It Together: Order, Plan and ReviewThe order of operations, three households18 min, path test](/learn/path-20/module-20-11-putting-it-together)

    02Outcomes

## What you will be able to do.

* *01*Build a monthly cash flow and size an emergency fund
* *02*Size term and health cover and price what an endowment plan costs
* *03*Compare EPF, PPF, NPS and the two tax regimes in rupees
* *04*Plan goals, retirement and nominations as one household plan

    03Certificate

## Pass the path test. Keep the proof.

1. **1** Read the modules and try each quick check (optional)A pass gives that module's own certificate
2. **2** Take the 33 question path test24 correct to pass
3. **3** Get the certificateWith an ID and a QR code

    [Jump to the path test](/learn/path-20/module-20-11-putting-it-together#pathTestSection)[About the certificates](/learn/certificates)

    04Questions

## About Path 20.

    What does the personal finance path cover?Path 20 works through a household's money in order: cash flow and an emergency fund, term and health insurance, debt and credit, EPF, PPF and NPS, the two income tax regimes, owning or renting a home, goals, retirement and estate planning. Every rate and rule carries its source and date.

Is Path 20 financial advice?No. It is education. It shows the arithmetic and the rules, with Indian rates, limits and tax law dated to their source, and leaves the decision to the reader. RupeeCase is not a SEBI registered investment adviser.

Where should a beginner start?Module 20.1, Cash Flow and Emergency Fund, then the rest in order. Module 20.11, Putting It Together, ties the steps into one plan for three households, and Path 1 covers how Indian markets work.

      Community

## Join my WhatsApp group.

      Scan the code, fillFill one short form, and join my WhatsApp group. Slides, sources, factsheets and the rebalance logs live there, and members join a daily Google Meet with me.

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        [Join the WhatsApp group](https://forms.gle/C6HMtM1Z2GfeocQV7)

      [One form, one group](https://forms.gle/C6HMtM1Z2GfeocQV7)Scan with your phone camera

    [Next pathPath 06: Indian Financial Products10 modules, 87 min](/learn/path-6/)
    [Pillar guidePortfolio Construction24 modules](/learn/portfolio-construction)
    [Apply it on RupeeCaseDynamic Asset AllocatorEquity, debt and gold sleeves under one published rule. Model, back tested.](/strategies/dynamic-asset-allocator)

  Education only, not investment advice. RupeeCase (QC Alpha Technologies Pvt Ltd) is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested, not a promise; figures carry the date checked.