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ca ruchika bhagat
CA Ruchika Bhagat

CA Ruchika Bhagat

CA Ruchika Bhagat, MD, Neeraj Bhagat & Co.

Wealth is not a destination reserved for people with high salaries. It is the reward for people who make intentional and consistent financial decisions.

How to build wealth on a modest salary: Practical steps for young professionals

by CA Ruchika Bhagat |Nov 22, 2025

Building wealth isn’t about having a big salary—it’s about building the right money habits early. For young professionals earning modest incomes, a disciplined, structured approach can create long-ter...

Banks and NBFCs compete fiercely during the festive period, often lowering interest rates on loans. If you are getting a personal loan at, say, 9–11% interest compared to the usual 14–18%, that is a smart financial move.

Festive loans: Smart financial boost or debt trap? Here’s how to borrow wisely this season

by CA Ruchika Bhagat |Oct 14, 2025

As the festive season lights up India with celebrations and shopping sprees, banks and NBFCs are quick to roll out “festive loans” — personal or consumer loans packaged with low interest rates, cashba...