How much pocket money to give a 12-year-old. What the RBI actually says about cards for minors. How to set up the Junio card and app for your family. We write practical guides for Indian parents and the kids they're raising — in language that respects both.
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Today the RBI granted Junio its own Certificate of Authorisation to issue Prepaid Payment Instruments. Here's what changes for your family — including a UPI handle for your child — and what doesn't.
Read article →The 'first salary' conversation most Indian parents have at 22 is six years too late. Here's what a 16-year-old version actually sounds like — and why starting early changes how your teen handles their first real paycheque.
Cash teaches scarcity. Digital teaches modern money. The right split for an Indian kid sits somewhere in between — and depends on age more than ideology.
A declined card at the school canteen is rarely a real problem — and usually one of five specific things. Here's how to diagnose it in 60 seconds and what to do in the moment.
Most kids glaze over the moment you say 'compound interest.' Here are three short games an Indian parent can play at the dining table — plus one analogy that actually sticks.
'We can't afford it' is the most useful sentence many Indian parents over-use, under-use, or say wrong. Here's how to make it teach something instead of shutting the conversation down.
The same ₹1,000/month buys a very different month in Bandra vs Indore. A city-by-city framework for setting pocket-money amounts that match where your child actually spends.
An age-by-age framework for Indian families — what amounts make sense, what they should pay for, and the rules that decide whether pocket money becomes a real money lesson or just a transfer.
The patterns we see most often in Junio onboarding chats. Each mistake is well-intentioned. Each one quietly teaches the wrong lesson.
RBI released a draft Master Direction on Prepaid Payment Instruments in April 2026. Comments close May 22. Here's what's actually in it for Junio families.
The compound-interest math, drawn out year by year. Why the saving habit at 14 beats a higher salary at 30 — with real numbers, real options, real Indian-context tradeoffs.
A short, honest list — the money concepts you'll wish you'd learned at 14, written for the teenager who is going to actually read it.
It feels like fair motivation. The data and the lived experience say otherwise. Here's why it backfires, what to tie it to instead, and the rare case where some version of it actually works.
Most Indian families have unspoken rules around money. The silence becomes the lesson. Here are the five conversations that pay off — and how to start them without it becoming a fight.
Tasks done right teach a kid that effort can be valued. Tasks done wrong turn family chores into transactions. The difference is in how you set them up.
In-app top-ups vs recurring auto-debits, what limits apply, and what to do if a load doesn't reflect — the boring but important mechanics of getting money onto the card.
A plain-English walkthrough of the rules — what minors can and can't have, what KYC is required, why most kids' cards are PPIs (not bank accounts), and what disclosure parents should expect.
The four scam patterns we see most often, the conversation to have before they start, and exactly what to do if your child loses money. Written for Indian families who actually live online.
