Monika Halan is Editor Mint Money, and part of the leadership team at Mint. A Certified Financial Planner, she has a Masters in Economics from the Delhi School of Economics and a second Masters in Journalism Studies from College of Cardiff, University of Wales, UK. She has worked earlier across media organisations in India including Editing Outlook Money. She has run four successful TV series around personal finance advice in NDTV, Zee and Bloomberg India and is a regular speaker on financial literacy, regulation and consumer issues in retail finance. She has public policy experience working with the Government of India as an advisor to the Swarup Committee in 2009. She has served as a member on the Ministry of Finance Committee on Incentives (Bose Committee) and is a member on the Sebi Mutual Fund Committee. She is a member of the Task Force set up by the Government of India to put in place the Financial Redressal Agency. She was an expert invitee to a Ministry of Commerce Committee on the Service Price Index. She is a director on the board of FPSB and FPSF India. She is the author of a published academic paper that estimates the loss to investors on mis-sold insurance policies. She is based in New Delhi and was chosen as a Yale World Fellow in 2011.


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  1. Dear Monika,


    I am writing this email to seek advice on sound Financial planning including Investments, Protection and Wealth creation.
    I came across your articles/recent interviews in TV, Print Media and leading newspapers. Hence, I feel this is the best way to connect with you, in order to obtain reliable assistance.

    I am aged 34 years, male IT professional, married and living in a rented Apartment in Bangalore-INDIA, with my mother and wife as dependents. The rent is Rs 20000/- per month including maintenance charges.

    My Mother, a Home-maker, is aged 58 yrs while my wife (Home-maker), is aged 27 yrs. We are planning to have our first child by Feb 2015.

    Currently, I earn Monthly take-home pay of 90000/- approx. I have Term Life-Insurance of 75 lacs @ Premium of Rs 15000/- per Annum over 30 year period. I have also opened a PPF account 2 yrs back, which has total accumulation of Rs 35000/- till date. My Savings bank account has Rs 6 lacs.

    Our Monthly expenses amounts to 50000/- Rs (including apartment rent). I deposit Rs 10000/- into PPF account every month.
    This leaves Rs 30000/- of surplus amount in Savings Bank.

    Our Top Goals are as follows:

    1. Buy adequate Health-Insurance plan for my Mother, Wife & Self. Kindly advice the best type of plan

    2. Buy 4-BHK Apartment worth 1.3Cr by June 2015

    3. Purchase a Car worth 11 lacs by March 2014

    4. Child Plan / Growth

    5. Retirement Corpus by the time I reach 55 years of age

    Kindly advice about how to go on investing with Rs 30000/- per month to achieve above desired goals.

    I am aware of Mutual Funds (SIP/STP/SWP), Equity, FDs, Short/Mid-Capita income plans, Stocks/Shares/Bonds, however I am not knowledgeable enough to pursue own decisions. So, please let me know in steps to follow through systematically, and also to reduce tax burden. Kindly guide me with suitable/appropriate Investment route which has good returns/profits. I appreciate if you could let me know the names of specific Investment plans. What should my necessary Investment Portfolio look like ?

    So basically, I want to plan my finance in diversified investments to achieve goals, using surplus monthly savings. In addition, it would be nice if the returns would beat inflation and thereby meeting monthly expenses down the years.

    Further, I wish to increase my income level by bettering my career options down the line in 2 to 3 years. Should you require any clarifications/details, please feel free to let me know.

    Looking forward to receive prompt and favorable response,


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