Posting allowances, AGIF, DSOPF, ECHS — a single hub for all rank-banded finance decisions an Army officer or jawan makes.
Cadet, Lt → Maj, Lt Col → Brig, Maj Gen +, then retired. Each stage has different income, allowances, and the right financial moves change with it.
SCA + Field + Compensatory + HRA + transport — most officers leave 30-40% of allowance tax-planning on the table. We map it to the right 80C / 80D / 80E moves.
Spouse insurance, child education corpus, dependant pension — all tied to your service-bracket entitlements.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Yes. AGIF is a personal loan, so it doesn't impact home-loan eligibility math (it's already counted in your FOIR but the rate is sub-market). The ideal stack: AGIF for renovation / vehicle / family emergency; bank loan for the home.
Field area allowance + SCA + HRA + counter-insurgency etc. are exempt up to specified limits. Many officers miss claiming the full exempt amount in ITR. We work with army-CA partners who know the per-allowance rules.
Usually yes — it earns 8%+ tax-free and DSOPF advance is the cheapest emergency money available. The exception: if you're <15 years from retirement, the locked-in nature starts mattering; sometimes balanced funds outperform.
Mutual fund SIPs continue from any bank account (we set them up portable). Health insurance is portable to civilian plans within 60 days of retirement. Term life policies are unaffected by postings.
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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