Diwali Bonus: Spend, Save, or Prepay?

That ₹50,000 Diwali bonus feels like free money, so it's tempting to blow it all on gifts and gadgets, and later wonder where it went.
But split wisely, it can cover festive expenses, boost your safety net, and shrink your loan — all at once.
A simple 40-30-30 split works well for most salaried Indians, and takes less than five minutes to set up.

What this means for you

• Spend ₹20,000 guilt-free on festivities — you earned it, no shame here.
• Save ₹15,000 into your emergency fund or a short-term FD earning around 7% interest.
• Prepay ₹15,000 on your home loan to cut nearly ₹45,000 in interest over time.

What you can do

• Move the save-and-prepay portions out of your account today, before festive spending creeps in.
• If you have no high-interest debt, redirect the prepay share into a SIP instead.

One bonus, three small decisions — and your future self thanks you for all of them.

Grow with clarity 🌱