Wealthy Mindset

Building wealth, one mindset shift at a time.

HDFC Infinia metal card

HDFC Infinia Lives On: Why the Deval Doesn’t Kill Its Premium Power

The HDFC Infinia credit card has stirred significant discussion due to recent changes in its reward system, notably reducing accelerated points on Gyftr vouchers from 5x to 3x, effective January 16, 2026. Critics argue this devaluation lowers returns from 16.6% to about 10%, prompting concerns over the card’s viability. However, a closer inspection reveals that Infinia still offers substantial value through benefits like unlimited lounge access, travel perks, and flexible redemption options. Despite some drawbacks, Infinia remains competitive in the ultra-premium segment, appealing especially to users prioritizing comprehensive premium services over high-yield vouchers.

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infographic for building first 10 lakhs in 5 years

Building Your First ₹10 Lakh in 5 Years

To reach ₹10 lakh in 5 years, you need to consistently save and invest ₹14,000–₹16,000 monthly at 10–12% annual returns. The real wealth acceleration happens in years 3–5 when compounding kicks in. That ₹10 lakh can become ₹25+ lakh by year 10 if you stay invested.

Your first ₹10 lakh isn’t about getting rich—it’s about proving to yourself that you can. From there, everything accelerates.

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Save Money and Become Debt-Free Faster: Tips for Paying Off Your Car Loan Early in India

Are you tired of making car loan payments month after month? Paying off your car loan early can save you money on interest and help you become debt-free faster. In this article, we’ll give you five tips for paying off your car loan early in India, including making extra payments, refinancing, and using a lump sum payment.

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How to Invest in REITs in India: A Beginner’s Guide

Are you considering adding real estate investment trusts (REITs) to your investment portfolio? In this article, we explore the risks and rewards of REITs, how to invest in them in India, and the tax implications to be aware of. We also cover the potential for conflicts of interest and provide tips for making informed investment decisions.

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Lessons from India’s Most Successful Entrepreneurs

India is home to some of the most successful and wealthiest entrepreneurs in the world. By studying the experiences of these individuals, we can learn valuable lessons about what it takes to be successful in business and in life. From perseverance to innovation and integrity, these entrepreneurs have much to teach us. In this article, we explore the lessons we can learn from India’s richest entrepreneurs and how we can apply them to our own lives and businesses.

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Weekly vs Monthly vs Quarterly SIPs: Which is the Best Option for Indian Mutual Funds?

Investing in mutual funds through a systematic investment plan (SIP) is a popular way for many Indians to grow their money over time. One of the key decisions an investor needs to make when starting an SIP is the frequency of the investment – weekly, monthly, or quarterly. In this article, we take a look at a few popular mutual funds and compare their returns over a 10-year period, with all three options of weekly, monthly, and quarterly SIPs. We also examine other factors to consider when choosing between these frequency options.

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Investment Decisions: PPF, ELSS, and NPS – What’s Best for You

Public Provident Fund (PPF), Equity-Linked Saving Scheme (ELSS), and National Pension System (NPS) are all popular investment options in India. Each of these options has its own set of features, advantages, and disadvantages, and choosing the right one for you depends on your investment goals and risk appetite. In this article, we’ll take a look at PPF, ELSS, and NPS, and compare their key features, returns, tax benefits, and more, to help you decide which one is the best fit for you.

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Why Understanding the Psychology of Money is Key to Building Wealth: A Review

The Psychology of Money is a powerful and thought-provoking book that delves into the underlying psychological factors that drive our financial decisions. Written by Morgan Housel, the book provides valuable insights into how our emotions, behaviors, and experiences shape our relationship with money. Through a series of engaging and relatable examples, the author shows readers how to overcome the biases and misconceptions that often stand in the way of achieving financial success. This book is a must-read for anyone looking to take control of their finances and build wealth in the long term.

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