Financial Planning

Financial Planning Checklist for Your 30s

Ten money moves every Indian should make in their 30s — from emergency fund and term cover to first home, child planning and equity allocation.

Mahaveer Jain·22 January 2026· 7 min read
Financial Planning Checklist for Your 30s

The 10-point checklist

  1. 6 months of expenses as emergency fund (liquid + sweep FD)
  2. Term insurance: 15× annual income
  3. Family floater health: ₹10 L + ₹50 L top-up
  4. Start SIPs in flexi-cap + mid-cap
  5. Max out 80C with ELSS
  6. Avoid first-home EMI > 35% of net income
  7. Start a child-education SIP the day the child is born
  8. Annual portfolio review with your advisor
  9. Write a will — yes, in your 30s
  10. Build one passive income stream by 40
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Mahaveer Jain
Founder, Bhavya Investments

Mahaveer Jain is the Founder of Bhavya Investments with 25+ years of experience helping families across Bastar and Chhattisgarh with mutual funds, SIPs, insurance, retirement and property planning.

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