Introduction If you are an entry-level researcher exploring community savings and rural financial empowerment in India, you have most likely encountered the term “SERP SHG”. What do these two abbreviations refer to respectively? SERP is the Indian government-supported Society for Elimination of Rural Poverty, which operates in the states of Andhra Pradesh and Telangana. SHG … Read more
Introduction Welcome to BachatBook. While handling a monthly income can bring about anxiety, smart household budgeting tips are the cornerstone to families in India becoming financially secure. In other words – household financial literacy is the daily work of monitoring your monthly income, managing your daily expenses and allocating resources for the future so you … Read more
Introduction Knowing the tricks to save money on a small salary is among one of the most important financial hacks every Indian middle-class families, students, and young salaried employees should acquire. In simpler terms saving on a low income means controlling your daily spendings, closing the unseen money leaks and focusing on bare necessities not … Read more
Introduction In this age of blazing fast digital economy keeping track of your monthly expenditure has transformed from “good habit” to a necessity for survival. Finding the Best Expense Tracker Apps in India for 2026 is the first step to Real Financial Freedom as we attempt to cross through the merciless financial landscape this year. … Read more
Introduction Managing finances in today’s fast-paced world goes beyond just saving money in a bank account; it requires building a strong, trustworthy financial reputation. For many Indian salaried employees and middle-class families, securing a home loan, financing a child’s higher education, or handling sudden medical emergencies depends entirely on one crucial three-digit number: the CIBIL … Read more
Introduction When we talk about middle class money mistakes in India, we are referring to the common financial errors, habits, and traps that salaried employees, small business owners, and families fall into while managing their monthly income. These mistakes typically include spending heavily to maintain social status, relying entirely on credit cards for daily expenses, … Read more
Bachat Book is more than just a blog—it’s a movement toward financial independence. We provide well-researched articles and guides on how to save more, spend wisely, and grow your wealth in the digital age. Join us as we explore the best ways to turn your small "Bachat" into big dreams.