You’ve probably got your financial checklist in order; your tax-saving investments, your emergency fund, maybe even a Systematic Investment Plan (SIP) or two for retirement.
But there’s one critical plan that often gets left out—your mother’s. Financial planning for mothers is often not on our checklist. While you’ve been building your life, she’s likely been your safety net—liquidating gold for your tuition, managing expenses with precision, and quietly putting your future first. Even without a formal income or a financial advisor, she’s been the CFO of your household all along.
And now, as you take control of your own finances, it’s time to ask: Does she have the same safety net she gave you?
Indian mothers, many of them homemakers, have long prioritised their children’s futures with sharp financial instinct. Consider this:
Behind every degree, every milestone, every dream funded, there’s often a mother’s foresight, her savings, or her gold loan. She may not call it financial planning. But that’s exactly what it is.
She may have spent decades saving for your dreams, but she may never have built any for herself.
This isn’t about repaying her. It’s about supporting her, the way she once supported you—not with occasional gestures or gifts, but with structured financial tools that prioritise her safety, comfort, and independence.
Here are some thoughtful, long-term ways to support your mother financially—not as a favour or gift, but as part of your larger financial plan.
If your mother loves gold, consider switching from physical gold to Sovereign Gold Bonds—a smarter, safer investment option.
Why it Works
How to Buy: Can be purchased online via banks, brokers, or RBI-authorised portals during specific issue windows.
Emotional Value: You’re still honouring tradition—but with a financial twist that makes her gold work for her.
An SIP is one of the simplest ways to build long-term wealth. You can start small, with just ₹500–₹1,000/month, and choose funds aligned with her needs.
What kind of mutual funds to choose to begin an SIP in?
Set up SIPs for your mother with a clear goal in mind—a dream trip, emergency buffer, or monthly income stream for later years.
Health emergencies are financially draining and many older Indian women don’t have comprehensive coverage.
What to look for
This isn’t just a policy; it’s a safety net, so she never has to worry about being a burden.
Financial empowerment also means visibility. Even small digital interventions can give her more control over her financial planning.
Where to Begin
Bonus: If she’s open to it, create a shared family finance folder (Google Drive or physical) with her key documents and investment summaries.
She may not ask for it, but offering learning resources is a sign of trust and belief in her capability.
What You Can Do
Why it Matters: Women who understand finance make better long-term decisions, especially when it comes to health, inheritance, and budgeting.
One of the most overlooked but vital steps in financial planning is having liquid, easily accessible funds for emergencies. Even a small buffer of ₹25,000-₹50,000 can offer immense emotional relief.
How to Set it Up
Why it Matters: It’s not just about money; it’s about giving her the freedom to handle the unexpected without hesitation or help.
Many mothers have scattered savings—old FDs, post office accounts, gold kept aside, or insurance policies with forgotten maturity dates.
What to Do
Bonus: Use this opportunity to start an open conversation about will-writing, inheritance, and nomination clarity—subjects that are often avoided but deeply important.
Your Financial Planning Isn’t Complete Without Her and Her Financial Planning starts with you!
For years, your mother’s financial decisions have revolved around you. Her dreams took a backseat so yours could take flight. Her savings became your tuition. Her gold became your safety net. She may never have asked for anything in return but that doesn’t mean she doesn’t deserve it.
So as you review your financial goals this year—don’t just focus on growing your own net worth. Make room for the woman who always made room for your future.
Start small, start today: An SIP. A health insurance policy. A safety net.
Because when your mother’s portfolio finally reflects the care she once reserved for you, her happiness won’t just be emotional, it’ll be compounding.
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Monarch Networth Capital Limited (‘MNCL’) | CIN No.: L64990GJ1993PLC120014
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Monarch Networth Capital Limited
Unit No. 803-804A, 8th Floor, X-Change Plaza, Block No. 53, Zone 5, Road-5E, Gift City, Gandhinagar - 382050, Gujarat
Ahmedabad
“Monarch House”, Opp Prahladbhai Patel garden, Near Ishwar Bhuvan, Commerce Six Roads, Navrangpura, Ahmedabad – 380009
Mumbai
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