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“Knowledge will be the costliest commodity of the world in future”.


As economies become more complex and individuals face an increasing number of financial decisions, personal finance knowledge has become more critical than ever. It is essential for individuals to manage their finances effectively, plan for their future, and make informed decisions that align with their goals. In India, personal finance knowledge is particularly crucial, given the country’s rapidly growing middle class, increased consumerism, and a diverse range of financial products and services. While the government and financial institutions are making efforts to improve financial literacy, it is also the responsibility of individuals to educate themselves and seek guidance from experts.                                                                      

Many people in India lack the basic understanding of personal finance, which can lead to financial mismanagement, debt, and a lower standard of living. With the rising cost of living and inflation, it is becoming increasingly important for individuals to have a good understanding of personal finance to manage their money effectively, plan for their future, and achieve their financial goals. A lack of personal finance knowledge can lead to individuals being taken advantage of by financial institutions, falling prey to fraudulent schemes, or making poor investment decisions. Moreover, the Indian Government is also making efforts to promote financial literacy and awareness among individuals. Initiatives such as the Pradhan Mantri Jan Dhan Yojana, Atal Pension Yojana, and the Digital India campaign are aimed at promoting financial inclusion and empowering individuals with the knowledge and tools to manage their finances effectively. 

Personal finance knowledge is highly essential in India due to several reasons, including:

    • Lack of Financial Literacy: Financial literacy levels are still low in India, and most people do not have a good understanding of basic financial concepts such as budgeting, saving, and investing.

    • Growing Complexities: With the evolution of the Indian economy, the financial landscape has become increasingly complex, with new financial products and services being introduced regularly. It is essential for individuals to have a good understanding of these products and services to make informed decisions.

    • Increasing Need for Retirement Planning: India has a growing aging population, and the need for retirement planning is becoming more important. People need to understand how to save and invest for their future, plan for their healthcare needs, and ensure that they have enough money to maintain their standard of living during their retirement years.

    • Debt Trap: Many people in India are caught in a debt trap, and they struggle to manage their finances. It is important to have personal finance knowledge to manage debt and avoid getting into a debt trap.

    • Protection against Scams: With the growing number of financial scams in India, it is essential for people to have a good understanding of personal finance to protect themselves against fraud and scams.

Personal finance knowledge is essential for all individuals in India to manage their finances effectively, plan for their future, and protect themselves from financial scams. In conclusion, personal finance knowledge is a need of the hour in India, and individuals should take proactive steps to learn about personal finance and improve their financial literacy. This will not only help them achieve their financial goals but also contribute to the overall economic development of the country.

We MATTA & MATTA (Advocates, Solicitors and Consultants) as law firm and myself (Dr.) Satish Kumar Matta as an academician, researcher, lawyer and above all a responsible human being want to contribute significantly to society in terms of personal finance education. We play a critical role in shaping the financial future of individuals by imparting knowledge, skills, and values related to personal finance.

The purpose of these blogs is to spread knowledge and skills related to budgeting, saving, investing, and debt management for the entire universe. In future we will add more topics related to Capital Market, Money Market, Banking products and services, Insurance, Various Laws and as per need and demand of viewers.  As researcher we conduct studies that shed light on the personal finance habits of individuals and suggest ways to improve financial literacy. We identify the factors that contribute to financial insecurity and develop strategies to overcome them.

As Consultants we offer personalized free financial advice to individuals and help them make informed decisions about their finances. We also assist in financial planning and investment management.

We are also engaged in outreach programs that target underprivileged communities. We also provide financial education and resources to help individuals in these communities to improve their financial situation.


The information in the Blogs are purely informational and for education purpose. The article should be treated as informational and not an advisory to invest. Matta & Matta (Advocates, Solicitors and Consultants) and the Authors are not liable for any losses caused as a result of decisions based on the blog. Matta & Matta advises users to check with certified financial planner/experts who are SEBI registered before making any investment decision.

Adv. (Dr.) Satish Kumar  Matta Ph.D., M.Com., P.G.D.B.M., M.B.A. (Finance), LLB

Adjunct Professor GIMS and Ex-Director, Noida International University, Lloyd Business School,  Accurate Institute of Management and Technology, Greater Noida U.P.

Email: drskmatta@gmail.com/skmatta@yahoo.co.in

Contact No. +91-9811288869

Adv. (Dr.) Satish Kumar Matta has over 38 years of expansive academic experience which includes 15 years in corporate. He is an acknowledged author and management researcher with myriad of publications in the field of Management of Financial Institutions and Services, E-Business and Accounting, Business Regulations, Tax Planning and Management, Business Law, Corporate Law, and Industrial Relations and Labour Law. He is prolific writer with multiple books to his credit and over 24 research papers to his name in reputed National and International Journal.

He is life member of Indian Economic Association and Indian Commerce Association.

Presently five scholars had been awarded Ph.D. under his supervision and three scholars are pursuing Ph.D. under his guidance.

Teaching Interest: Financial Accounting, Cost and Management Accounting, Corporate Accounting, Management of Financial Institutions and Services, Corporate Finance, Income Tax Law and Accounts, Tax Planning and Management, Strategic Cost Management, Security Analysis and Portfolio Management, Business Law, Corporate Law, Banking Law, Financial Planning and Wealth Management and the likes.

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