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How to Set Financial Goals That Are Achievable and Realistic

Last updated :
March 10, 2024
/

minutes read

Table of Contents

I. Introduction

Picture this: you've landed your dream job, and you're eager to make your mark in the world. But, are you ready to tackle the financial rollercoaster that comes with adulting? If you're a young Indian employee or a new graduate, this is the perfect time to start thinking about financial planning. Trust us, your future self will thank you!

Let's face it; the Indian economy is evolving at breakneck speed, and so are our aspirations. Gone are the days when a stable government job and a fixed deposit account were the ultimate dream.

Today's young professionals are exploring new horizons, be it launching their own startups or globetrotting. But with great aspirations come great financial responsibilities. That's where financial planning comes in, helping you navigate the ups and downs and keeping you on track to achieve your goals.

As young Indian professionals, we are constantly juggling the expectations of our parents and society with our own dreams and ambitions. Our parents may advocate for gold investments and fixed deposits, while our friends are excited about cryptocurrencies and the latest IPOs.

Finding the right balance between traditional Indian values and modern financial strategies can be quite a tightrope walk. But fear not, we're here to help you strike the perfect balance!

Before we dive into the world of financial planning, let us assure you that we understand the challenges you face. We've been there, too, trying to make sense of our finances while managing our social lives, family expectations, and career goals.

So, sit back, relax, and let's embark on this journey together. By the end of this guide, you'll feel confident and equipped to conquer your financial goals. And hey, who knows? Maybe you'll be the one giving financial advice at the next family gathering!

II. Know Thyself: Understanding Your Financial Personality

Before you start planning your financial future, you need to know yourself better. It's like decoding your "financial DNA" to ensure that your plan aligns with your personality, habits, and risk appetite. So, grab a cup of chai and let's dive into the journey of self-discovery!

A. Identify Your Financial Habits and Mindset

Let's start by taking a good look at your financial habits. Are you a natural saver or a spendthrift? Do you often find yourself swiping your credit card, only to later regret it? Recognizing your spending and saving patterns is the first step towards taking control of your financial life. And don't worry, we all have our quirks - maybe you can't resist a good sale, or perhaps you're the one who insists on splitting the bill down to the last paisa. Embrace your uniqueness, but be mindful of the habits that can hurt your financial health.

B. Assess Your Risk Appetite

Now, let's talk about risk. In the world of investments, higher risk often leads to higher returns, but it also means higher chances of losing money. Are you the adventurous type who's always up for a challenge, or do you prefer playing it safe? Understanding your risk tolerance will help you make informed investment decisions. Remember, there's no one-size-fits-all approach; just like how some people are fearless when trying exotic street food, while others stick to their trusted dal and rice combo.

C. Define Your Short-term and Long-term Financial Priorities

It's time to set your priorities straight. Financial goals can be short-term (like saving for that much-awaited Goa trip with your friends) or long-term (like buying your dream home).

Make a list of your goals and rank them according to their importance. And be honest with yourself - maybe you don't need that fancy new phone, but saving up for a master's degree could be a game-changer for your career.

Remember, your priorities will likely change as you grow older and wiser, so it's essential to revisit this list regularly and make adjustments as needed.

III. Let's Talk Money: Demystifying Financial Terms and Concepts

Alright, now that we've laid the groundwork, it's time to familiarize ourselves with some essential financial concepts. Don't worry; we'll make it as painless as possible. No more feeling lost when your finance-savvy friend talks about the stock market or when you're reading the business section of the newspaper. So, buckle up and let's dive in!

A. Savings vs. Investments: Know the Difference

First things first, let's talk about savings and investments. Savings are the money you set aside in a safe place, like a bank account or a fixed deposit, to cover short-term expenses and emergencies. It's like your mom's secret stash of cash hidden in the kitchen cupboard. On the other hand, investments are the money you put into assets like stocks, mutual funds, or real estate, hoping to earn higher returns over time. Think of it as planting a money tree that will grow and bear fruit in the future. The key is to strike a balance between savings and investments to ensure both financial security and wealth creation.

B. Inflation: The Silent Money-Eater

Remember when your grandparents used to tell you stories about how they could buy a movie ticket for just a few rupees? That's inflation at work, my friend. Inflation is the gradual increase in the prices of goods and services over time, reducing the purchasing power of your money. In other words, your hard-earned money is slowly losing its value while sitting in your bank account. It's like an invisible Pac-Man munching away at your wealth. To combat inflation, you need to invest in assets that can potentially offer returns higher than the inflation rate. So, it's time to say goodbye to the "savings account only" mentality and explore investment opportunities!

C. The Magic of Compound Interest

Now, let's talk about the secret sauce that can help you grow your wealth exponentially: compound interest. It's like the "kadhai paneer" of the financial world - a game-changer. Compound interest is the interest you earn on your initial investment as well as the interest that accumulates over time. In simple terms, it's interest on interest. Imagine a snowball rolling down a hill, getting bigger and bigger as it collects more snow. The longer you invest, the more your money compounds, and the faster your wealth grows. So, start investing early, and let the magic of compound interest do its thing!

IV. Dream Big, But Be Realistic: Setting SMART Financial Goals

Alright, now that we've got the basics covered, it's time to put your dreams into action. But hey, let's not get carried away and plan a trip to Mars just yet. To make your financial goals achievable, we'll use the SMART framework. It's like your personal GPS, guiding you towards your destination without getting lost. So, let's make your financial goals SMART!

A. Specific: Clearly Define Your Financial Objectives

First and foremost, let's get specific about what you want to achieve. Instead of vague goals like "I want to be rich" or "I want to travel the world," zero in on concrete objectives. For instance, "I want to save ₹5 lakhs for a down payment on a house in 5 years" or "I want to build a ₹10 lakh emergency fund in 3 years." The more specific you are, the easier it becomes to create a roadmap to reach your goals.

B. Measurable: Track Your Progress with Numbers

What gets measured gets managed. To ensure you're on the right track, set measurable milestones for your goals. For example, if your goal is to save ₹5 lakhs for a down payment, break it down into smaller targets like saving ₹1 lakh every year. This way, you can monitor your progress and celebrate small victories along the way. After all, who doesn't love a pat on the back for a job well done?

C. Achievable: Set Goals That Are Within Your Reach

While it's great to aim high, it's crucial to keep your feet on the ground. Set goals that are ambitious yet achievable, given your current income and expenses. There's no point in aiming to save ₹1 crore in a year if you're earning ₹10 lakhs annually. Be realistic and adjust your goals based on your financial capabilities. Remember, slow and steady wins the race.

D. Relevant: Align Your Goals with Your Life's Priorities

Make sure your financial goals align with your life's priorities and values. If you're a die-hard environmentalist, you might prioritize investing in sustainable companies or saving up for an electric vehicle. Or, if you're a proud foodie, you might want to set aside funds to explore India's diverse culinary scene. Tailor your financial goals to what matters most to you, and you'll be more motivated to achieve them.

E. Time-bound: Give Yourself Deadlines

Last but not least, set deadlines for your financial goals. A goal without a timeline is just a wish. By giving yourself a deadline, you'll create a sense of urgency that keeps you focused and accountable. So, whether it's saving for your dream wedding or building a retirement nest egg, set a target date and work towards it with determination. And hey, a little friendly competition with yourself never hurt anybody!

V. The Power of Budgeting: Your Personal Finance GPS

Now that we've set some SMART goals, it's time to bring out the big guns: budgeting. Think of budgeting as your personal finance GPS, helping you navigate your financial journey without getting lost or going overboard. It's like having your own financial guru guiding you through the maze of expenses, savings, and investments. So, let's get started on creating a budget that works for you.

A. Crafting a Budget That Works for You

Creating a budget is like preparing the perfect cup of chai: it's all about finding the right balance of ingredients that suits your taste. Start by listing your monthly income and expenses, then categorize them into essentials (rent, groceries, utilities) and discretionary items (shopping, dining out, entertainment). This will give you a clear picture of where your money is going and help you identify areas where you can cut back or save more. Remember, your budget should be flexible and adaptable to your unique needs and lifestyle.

B. Fixed vs. Variable Expenses: Knowing What You Can Control

When it comes to expenses, there are two types: fixed and variable. Fixed expenses are the ones that don't change much from month to month, like rent, EMIs, and insurance premiums. Variable expenses, on the other hand, can fluctuate based on your choices and habits, like eating out, shopping, or weekend getaways. The trick is to focus on controlling your variable expenses, as they offer the most significant potential for savings. So, go ahead and make those small changes – carpool to work, cook at home more often, or maybe even embrace the minimalist lifestyle. Remember, every rupee saved is a rupee earned!

C. The 50-30-20 Rule and Its Indian Twist

Now let's talk about a popular budgeting rule that can help you allocate your income effectively: the 50-30-20 rule. It suggests dividing your income into three categories - 50% for essentials, 30% for discretionary expenses, and 20% for savings and investments. But hey, we're in India, and we like to add our own masala to everything, right? So, tweak this rule to suit your individual financial goals and priorities.

For example, if you're a fresh graduate with student loans, you might want to allocate more towards debt repayment. Or, if you're saving for a big-ticket expense like a wedding or a dream vacation, you might want to bump up your savings percentage. Remember, your budget should be as unique as you are, so don't be afraid to experiment and find the perfect blend.

VI. Save, Invest, Repeat: Building a Strong Financial Foundation

Alright, we've covered the basics of budgeting, and now it's time to put your money to work. Saving and investing are the two pillars of a strong financial foundation. They're like the Batman and Robin of personal finance – a dynamic duo that works together to help you achieve your financial goals. So, let's dive into the world of savings and investments, and make your money work as hard as you do!

A. Emergency Fund: Preparing for Life's Curveballs

Life is full of surprises, and not all of them are pleasant. An emergency fund is your financial safety net, helping you stay afloat during life's unexpected twists and turns – be it a sudden job loss, medical emergency, or a global pandemic. Financial experts recommend having at least 3-6 months' worth of living expenses in your emergency fund. It's like having an umbrella handy for those unforeseen rainy days. So, start building your emergency fund today, and give yourself the peace of mind that comes with financial security.

B. Diversification: Don't Put All Your Eggs in One Basket

When it comes to investments, the age-old wisdom of not putting all your eggs in one basket still holds true. Diversification is the key to managing risk and maximizing returns. By spreading your investments across different asset classes like stocks, bonds, and real estate, you reduce the impact of any single investment going south. It's like having a well-balanced diet – a little bit of everything ensures you get all the necessary nutrients. So, go ahead and diversify your investment portfolio, and let the magic of compounding work its wonders!

C. Exploring Investment Options in India: From Fixed Deposits to Mutual Funds

India offers a plethora of investment options to suit every risk appetite and financial goal. Let's take a quick tour of some popular choices:

  • Fixed Deposits: A classic choice for conservative investors, fixed deposits provide guaranteed returns with minimal risk. They're like the comfort food of investments – reliable and familiar.
  • Public Provident Fund (PPF): A long-term, government-backed savings scheme, PPF offers attractive interest rates and tax benefits. It's an excellent option for those looking to save for retirement or other long-term goals.
  • Equity Mutual Funds: These funds invest in stocks, offering the potential for higher returns but also higher risk. They're a great option for investors looking to ride the stock market wave without diving in headfirst.
  • Debt Mutual Funds: If you're looking for a middle ground between fixed deposits and equity mutual funds, debt funds might be the answer. They invest in fixed-income securities like corporate bonds and government securities, offering a balance of risk and return.

These are just a few examples of the many investment options available in India. The key is to choose the right mix of investments that align with your financial goals, risk tolerance, and time horizon. So, go ahead and explore the world of investments, and watch your money grow!

VII. Debt Management: Keeping Your Finances on Track

Debt – it's a four-letter word that can send shivers down anyone's spine. But don't worry, we're here to help you tackle debt head-on and keep your finances on track. With the right strategies and a dash of discipline, you can manage your debt effectively and work towards a debt-free future. So, let's dive into the world of debt management and show it who's boss!

A. Good Debt vs. Bad Debt: Understanding the Difference

Believe it or not, not all debt is created equal. There's good debt and bad debt, and understanding the difference is crucial for effective debt management. Good debt is the kind that can potentially improve your financial situation in the long run, like taking out a loan for higher education or investing in a home. It's like the nutritious bowl of dal chawal that fuels your body.

On the other hand, bad debt often stems from poor financial decisions or impulsive spending, like racking up credit card debt for a shopping spree or a lavish vacation. It's like that tempting plate of pakoras – feels good at the moment, but leaves you feeling guilty and bloated later. The key is to minimize bad debt and use good debt wisely to help you achieve your financial goals.

B. Managing Student Loans and Credit Card Debt

Student loans and credit card debt are two common sources of bad debt for young Indian employees and new graduates. But fear not, we have some tips to help you manage these debts like a pro:

  • Student loans: Explore options like loan refinancing or income-driven repayment plans to reduce your monthly payments. Focus on paying off high-interest loans first and consider making extra payments whenever possible.
  • Credit card debt: Start by creating a budget and cutting down on unnecessary expenses. Prioritize paying off high-interest cards first, and consider using balance transfer offers to lower your interest rates. Most importantly, resist the temptation to add more debt to your plate!

C. Strategies for Paying Off Debt Faster

Now that we've covered some debt management basics, let's look at some strategies to help you pay off your debt faster and free up more money for saving and investing:

  • Debt snowball method: This strategy involves paying off your smallest debts first while making minimum payments on larger debts. Once the smallest debt is paid off, you move on to the next smallest, and so on. It's like building a snowball, gradually gaining momentum as you pay off each debt.
  • Debt avalanche method: This approach focuses on paying off debts with the highest interest rates first while making minimum payments on lower-interest debts. It might not give you the quick wins of the snowball method, but it can save you more money in the long run.
  • Increasing your income: Look for ways to boost your income, like taking on a part-time job, freelancing, or selling items you no longer need. Every extra rupee you earn can go towards paying off your debt faster.

Remember, managing debt is all about discipline, persistence, and patience. So, stay focused, and before you know it, you'll be well on your way to a debt-free future!

VIII. Financial Goals for Every Life Stage

Life is a rollercoaster ride, and your financial goals should evolve as you transition through its various stages. Whether you're a fresh graduate, a newlywed, or approaching retirement, having the right financial goals in place can help you navigate life's twists and turns with ease. So, let's take a look at some key financial goals for each life stage and ensure you're on the path to financial success!

A. From College to the First Job: Starting on the Right Foot

Entering the workforce is an exciting time, and it's the perfect opportunity to lay the groundwork for a solid financial future. Here are some financial goals to keep in mind as you embark on this new journey:

  • Create a budget: With your first paycheck comes great responsibility. Develop a budget to manage your newfound income and avoid falling into the trap of lifestyle inflation.
  • Build an emergency fund: As we mentioned earlier, having a financial safety net is crucial. Start by saving at least three months' worth of living expenses in an emergency fund.
  • Plan for debt repayment: If you have student loans or credit card debt, create a repayment plan to tackle these debts and free up more money for saving and investing.
  • Start investing: The earlier you start investing, the more time your money has to grow. Explore various investment options and get your money working for you!

B. Marriage and Family Planning: Balancing Love and Money

As you enter married life and start planning for a family, your financial priorities may shift. Here are some goals to consider during this stage:

  • Joint financial planning: Money is a crucial aspect of any relationship, so it's essential to have open and honest conversations about finances with your spouse. Create a joint budget and align your financial goals.
  • Insurance: Protect your family's financial future by getting life and health insurance policies in place.
  • Plan for your children's education: With the rising cost of education in India, it's crucial to start saving early for your children's higher education. Consider options like education savings plans or mutual funds.
  • Upgrade your emergency fund: As your family grows, so should your emergency fund. Aim to save at least six months' worth of living expenses to ensure your family is covered in case of unexpected events.

C. Nearing Retirement: Ensuring a Comfortable Golden Age

As retirement approaches, it's time to focus on securing a comfortable and worry-free future. Here are some financial goals to prioritize during this life stage:

  • Maximize retirement savings: Make the most of your remaining working years by maximizing your contributions to retirement savings schemes like EPF, PPF, and NPS.
  • Reassess your investment strategy: As you get closer to retirement, you may want to shift your investment strategy to focus on more conservative, income-generating assets.
  • Pay off debt: Aim to enter retirement debt-free. Prioritize paying off any remaining loans, credit card balances, or other debts before you retire.
  • Create a retirement budget: Develop a realistic budget for your retirement years, factoring in living expenses, medical costs, and any leisure activities you plan to enjoy during your golden years.
  • Plan your estate: Ensure your hard-earned wealth is passed on according to your wishes by creating a will, establishing trusts, or setting up other estate planning tools.

Remember, every life stage presents unique financial challenges and opportunities. By setting the right financial goals and adapting them as you progress through life, you can lay the foundation for lasting financial success. So go ahead, embrace the rollercoaster ride, and secure your financial future, one life stage at a time!

IX. Stay Motivated and Adapt: The Key to Financial Success

Just like the plot of a classic Bollywood film, your financial journey will have its ups and downs, plot twists, and unexpected turns. The key to financial success lies in staying motivated, adapting to changes, and learning from every experience. So, let's dive into some tips and tricks to help you stay focused and achieve your financial dreams!

A. Tips for Staying Focused

Staying motivated throughout your financial journey can be challenging, especially when life throws curveballs at you. But don't worry! Here are some tips to help you stay focused and committed to your goals:

  • Visualize your goals: Create a vision board or write down your financial goals and display them in a prominent place to remind yourself of what you're working towards.
  • Break it down: Large financial goals can seem daunting. Break them down into smaller, manageable tasks, and celebrate each achievement along the way.
  • Find a support system: Share your financial goals with friends or family members who can offer encouragement and hold you accountable.
  • Stay informed: Keep up with financial news and trends, and never stop learning. The more you know, the better equipped you'll be to make informed financial decisions.

B. Adjusting Goals as Life Changes

Change is the only constant in life, and as you progress through various life stages, your financial priorities may evolve. It's essential to regularly reassess your financial goals and adjust them according to your current circumstances. For instance, you may need to shift your focus from saving for a dream vacation to planning for a new baby or adjust your investment strategy as you approach retirement. Remember, staying flexible and adapting to change is a vital aspect of financial success.

C. Celebrate and Learn

Achieving your financial goals is no small feat, so don't forget to celebrate your milestones! Whether it's treating yourself to a special dinner or simply sharing your achievements with loved ones, taking the time to acknowledge your progress can help keep you motivated.

Similarly, setbacks and mistakes are inevitable, but they're also valuable learning opportunities. Don't be too hard on yourself when things don't go as planned. Instead, analyze what went wrong, learn from the experience, and use that knowledge to make better financial decisions in the future.

After all, even the most successful Bollywood films have their share of plot twists, and it's how the characters adapt and learn that makes the story worth watching!

X. Conclusion

As we come to the end of this guide on setting achievable and realistic financial goals for young Indian employees and new graduates, let's take a moment to recap, re-energize, and remind ourselves of the importance of our financial journey.

As we recap the essentials of financial planning, here are the main points to keep in mind:

  • Setting SMART financial goals
  • Budgeting
  • Saving
  • Investing
  • Managing debt
  • Adapting to different life stages

These elements are crucial in building a strong financial foundation for a successful future.

You, my friend, have the power to create a bright financial future for yourself. It's time to take charge and actively work towards your goals. Don't be afraid to dream big, but also remember to stay grounded in reality. As Shah Rukh Khan would say, "Don't underestimate the power of a common man!"

Financial planning is not a one-time task; it's an ongoing process that requires consistent effort, learning, and adaptation. As life throws you curveballs or blesses you with unexpected opportunities, embrace the change and adjust your financial goals accordingly.

Lastly, remember that you're not alone on this financial journey. Connect with like-minded individuals, share your experiences, and support each other as you work towards your financial goals.

After all, as they say, "Ek akela thak jayega, mil kar bojh uthana" (One may tire alone, but together we can shoulder the burden).

With this guide in hand, you're now equipped to conquer your financial goals and create a brighter future for yourself and your loved ones. So, go forth, embrace the journey, and remember, the only limit to your financial success is your own imagination!

Frequently Asked Questions

Q: How do I set SMART financial goals?

A: SMART financial goals are Specific, Measurable, Achievable, Relevant, and Time-bound. Clearly define your objectives, track your progress with numbers, ensure the goals are within reach, align them with your life priorities, and set deadlines for achieving them.

Q: What's the difference between saving and investing?

A: Saving involves setting aside money in safe, low-risk instruments like savings accounts or fixed deposits while investing involves putting money into assets such as stocks, bonds, or mutual funds, which have the potential to generate higher returns but also carry some risks.

Q: How can I manage my debt effectively?

A: Understand the difference between good debt and bad debt, create a repayment plan for student loans and credit card debt, and explore strategies to pay off debt faster, such as the debt snowball or avalanche methods.

Q: What are some investment options in India?

A: Popular investment options in India include fixed deposits, Public Provident Fund (PPF), Employee Provident Fund (EPF), National Pension System (NPS), stocks, mutual funds, real estate, and gold.

Q: How do I create a budget that works for me?

A: Begin by tracking your income and expenses, categorize them as fixed or variable, and then allocate a percentage of your income to each category. Consider using the 50-30-20 rule with an Indian twist to help guide your allocations.

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IKEA B2B
IKEA B2B
5
% OFF
Nykaa Man
Nykaa Man
6
% OFF
EazyDiner
EazyDiner
10
% OFF
White Crow
White Crow
10
% OFF
SonyLiv 6 Months
SonyLiv 6 Months
35
% OFF
VMart
VMart
5
% OFF
Wrangler
Wrangler
6
% OFF
Only
Only
8
% OFF
Discovery+
Discovery+
12
% OFF
Apple Airpods
Apple Airpods
2
% OFF
Skinn
Skinn
6
% OFF
Jockey
Jockey
10
% OFF
Armani Exchange
Armani Exchange
10
% OFF
Unlimited
Unlimited
6
% OFF
Norton Antivirus Plus
Norton Antivirus Plus
60
% OFF
Blaupunkt
Blaupunkt
8
% OFF
Mia
Mia
3
% OFF
Third Wave Coffee
Third Wave Coffee
8
% OFF
US Polo Assn
US Polo Assn
7
% OFF
Hyatt India
Hyatt India
10
% OFF
ZEE5 3 Months
ZEE5 3 Months
15
% OFF
Net Protector Pro 1 User
Net Protector Pro 1 User
70
% OFF
Giorgio Armani
Giorgio Armani
10
% OFF
PeeSafe
PeeSafe
15
% OFF
Blackberrys
Blackberrys
8
% OFF
Veridicus
Veridicus
12
% OFF
Simon Carter
Simon Carter
4
% OFF
Sigree
Sigree
8
% OFF
Linen Club
Linen Club
8
% OFF
Spotify 1 Year
Spotify 1 Year
5
% OFF
Tumi
Tumi
10
% OFF
Taneira
Taneira
6
% OFF
EA Sports FC Mobile
EA Sports FC Mobile
3
% OFF
Apple MacBook
Apple MacBook
2
% OFF
Home Center (Online)
Home Center (Online)
7
% OFF
Amazon Prime 3 months
Amazon Prime 3 months
13
% OFF
CultFit
CultFit
7
% OFF
Freecultr
Freecultr
15
% OFF
Relaxo
Relaxo
6
% OFF
Fabindia
Fabindia
6
% OFF
Polar bear
Polar bear
4
% OFF
SpiceJet
SpiceJet
2
% OFF
Docubay - deprecate
Docubay - deprecate
25
% OFF
The Collective
The Collective
2.5
% OFF
Appreciate Subscription
Appreciate Subscription
35
% OFF
Ferns N Petals
Ferns N Petals
10
% OFF
Mainland China
Mainland China
8
% OFF
YouMee-deleted
YouMee-deleted
2.5
% OFF
Helios
Helios
8
% OFF
Tata Play HD
Tata Play HD
12
% OFF
Villeroy & Boch
Villeroy & Boch
10
% OFF
Kate Spade
Kate Spade
10
% OFF
Brooks Brothers
Brooks Brothers
10
% OFF
Mothercare
Mothercare
10
% OFF
Himalaya
Himalaya
5
% OFF
Watcho Dish TV
Watcho Dish TV
2.5
% OFF
American Eagle - to be deleted
American Eagle - to be deleted
2
% OFF
Replay
Replay
10
% OFF
Bally
Bally
10
% OFF
Forever New
Forever New
7
% OFF
Birkenstock
Birkenstock
8.5
% OFF
Michael Kors
Michael Kors
10
% OFF
Urban Ladder
Urban Ladder
8
% OFF
Behrouz Biryani
Behrouz Biryani
8
% OFF
Speedo
Speedo
10
% OFF
PhonePe
PhonePe
2.5
% OFF
Planet Fashion
Planet Fashion
2.5
% OFF
Indian Gifts portal
Indian Gifts portal
16
% OFF
Cleartrip
Cleartrip
5
% OFF
Ornaz
Ornaz
10
% OFF
Tata Cliq
Tata Cliq
6
% OFF
Microsoft 365 Personal
Microsoft 365 Personal
20
% OFF
Jimmy Choo
Jimmy Choo
10
% OFF
Hush Puppies
Hush Puppies
8
% OFF
Avast AVG
Avast AVG
2.5
% OFF
DeVagabond
DeVagabond
10
% OFF
Paul Smith
Paul Smith
10
% OFF
Unipin E-Gift
Unipin E-Gift
3
% OFF
Borosil
Borosil
7
% OFF
Ray-Ban
Ray-Ban
8
% OFF
Cafe Delhi Heights
Cafe Delhi Heights
8
% OFF
Trends Women
Trends Women
12
% OFF
Blissclub
Blissclub
9
% OFF
Apple iPhone 14
Apple iPhone 14
2
% OFF
Netmeds
Netmeds
8
% OFF
iPhone 15 Pro
iPhone 15 Pro
2
% OFF
Spencer
Spencer
3
% OFF
Imagine Apple Premium_Delete
Imagine Apple Premium_Delete
2
% OFF
BB Now
BB Now
3
% OFF
Titan Eye+
Titan Eye+
9
% OFF
Lifestyle (Online)
Lifestyle (Online)
7
% OFF
Daily Objects
Daily Objects
10
% OFF
Reliance Trends
Reliance Trends
12
% OFF
Swiggy Inhouse Only
Swiggy Inhouse Only
4
% OFF
Bata
Bata
7
% OFF
Flying Machine
Flying Machine
7
% OFF
Spar Hypermart
Spar Hypermart
4.5
% OFF
Kalyan Diamond
Kalyan Diamond
5
% OFF
Indian Terrain
Indian Terrain
10
% OFF
Gas
Gas
10
% OFF
IKEA B2B
IKEA B2B
5
% OFF
Nykaa Man
Nykaa Man
6
% OFF
EazyDiner
EazyDiner
10
% OFF
White Crow
White Crow
10
% OFF
SonyLiv 6 Months
SonyLiv 6 Months
35
% OFF
VMart
VMart
5
% OFF
Wrangler
Wrangler
6
% OFF
Only
Only
8
% OFF
Discovery+
Discovery+
12
% OFF
Apple Airpods
Apple Airpods
2
% OFF
Skinn
Skinn
6
% OFF
Jockey
Jockey
10
% OFF
Armani Exchange
Armani Exchange
10
% OFF
Unlimited
Unlimited
6
% OFF
Norton Antivirus Plus
Norton Antivirus Plus
60
% OFF
Blaupunkt
Blaupunkt
8
% OFF
Mia
Mia
3
% OFF
Third Wave Coffee
Third Wave Coffee
8
% OFF
US Polo Assn
US Polo Assn
7
% OFF
Hyatt India
Hyatt India
10
% OFF
ZEE5 3 Months
ZEE5 3 Months
15
% OFF
Net Protector Pro 1 User
Net Protector Pro 1 User
70
% OFF
Giorgio Armani
Giorgio Armani
10
% OFF
PeeSafe
PeeSafe
15
% OFF
Blackberrys
Blackberrys
8
% OFF
Veridicus
Veridicus
12
% OFF
Simon Carter
Simon Carter
4
% OFF
Sigree
Sigree
8
% OFF
Linen Club
Linen Club
8
% OFF
Spotify 1 Year
Spotify 1 Year
5
% OFF
Tumi
Tumi
10
% OFF
Taneira
Taneira
6
% OFF
EA Sports FC Mobile
EA Sports FC Mobile
3
% OFF
Apple MacBook
Apple MacBook
2
% OFF
Home Center (Online)
Home Center (Online)
7
% OFF
Amazon Prime 3 months
Amazon Prime 3 months
13
% OFF
CultFit
CultFit
7
% OFF
Freecultr
Freecultr
15
% OFF
Relaxo
Relaxo
6
% OFF
Fabindia
Fabindia
6
% OFF
Polar bear
Polar bear
4
% OFF
SpiceJet
SpiceJet
2
% OFF
Docubay - deprecate
Docubay - deprecate
25
% OFF
The Collective
The Collective
2.5
% OFF
Appreciate Subscription
Appreciate Subscription
35
% OFF
Ferns N Petals
Ferns N Petals
10
% OFF
Mainland China
Mainland China
8
% OFF
YouMee-deleted
YouMee-deleted
2.5
% OFF
Helios
Helios
8
% OFF
Tata Play HD
Tata Play HD
12
% OFF
Villeroy & Boch
Villeroy & Boch
10
% OFF
Kate Spade
Kate Spade
10
% OFF
Brooks Brothers
Brooks Brothers
10
% OFF
Mothercare
Mothercare
10
% OFF
Himalaya
Himalaya
5
% OFF
Watcho Dish TV
Watcho Dish TV
2.5
% OFF
American Eagle - to be deleted
American Eagle - to be deleted
2
% OFF
Replay
Replay
10
% OFF
Bally
Bally
10
% OFF
Forever New
Forever New
7
% OFF
Birkenstock
Birkenstock
8.5
% OFF
Michael Kors
Michael Kors
10
% OFF
Urban Ladder
Urban Ladder
8
% OFF
Behrouz Biryani
Behrouz Biryani
8
% OFF
Speedo
Speedo
10
% OFF
PhonePe
PhonePe
2.5
% OFF
Planet Fashion
Planet Fashion
2.5
% OFF
Indian Gifts portal
Indian Gifts portal
16
% OFF
Cleartrip
Cleartrip
5
% OFF
Ornaz
Ornaz
10
% OFF
Tata Cliq
Tata Cliq
6
% OFF
Microsoft 365 Personal
Microsoft 365 Personal
20
% OFF
Jimmy Choo
Jimmy Choo
10
% OFF
Hush Puppies
Hush Puppies
8
% OFF
Avast AVG
Avast AVG
2.5
% OFF
DeVagabond
DeVagabond
10
% OFF
Paul Smith
Paul Smith
10
% OFF
Unipin E-Gift
Unipin E-Gift
3
% OFF
Borosil
Borosil
7
% OFF
Ray-Ban
Ray-Ban
8
% OFF
Cafe Delhi Heights
Cafe Delhi Heights
8
% OFF
Trends Women
Trends Women
12
% OFF
Blissclub
Blissclub
9
% OFF
Apple iPhone 14
Apple iPhone 14
2
% OFF
Netmeds
Netmeds
8
% OFF
iPhone 15 Pro
iPhone 15 Pro
2
% OFF
Spencer
Spencer
3
% OFF
Imagine Apple Premium_Delete
Imagine Apple Premium_Delete
2
% OFF
BB Now
BB Now
3
% OFF
Titan Eye+
Titan Eye+
9
% OFF
Lifestyle (Online)
Lifestyle (Online)
7
% OFF
Daily Objects
Daily Objects
10
% OFF
Reliance Trends
Reliance Trends
12
% OFF
Swiggy Inhouse Only
Swiggy Inhouse Only
4
% OFF
Bata
Bata
7
% OFF
Flying Machine
Flying Machine
7
% OFF
Spar Hypermart
Spar Hypermart
4.5
% OFF
Kalyan Diamond
Kalyan Diamond
5
% OFF
Indian Terrain
Indian Terrain
10
% OFF
Gas
Gas
10
% OFF
More in this series

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Shuaib Azam
Shuaib is a Marketing & Growth lead at Hubble. When he isn't working on growth initiatives, Shuaib writes fiction and doodles space monkeys.

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