The One-Hour Money Inventory: Finding Every Account, Card, and Auto-Debit

The 4 Pillars of a Clean Inventory

Before you can plan effectively, you need an exact snapshot of your financial perimeter.

1. Bank Accounts: Primary salary account, emergency savings account, and joint household account. Close any leftover accounts from previous jobs that charge non-maintenance fees.

2. Credit Facilities: Active cards, consumer loans, and BNPL credit lines. Check your free official CIBIL report to ensure no fraudulent accounts are open in your name.

3. Auto-Mandates (e-NACH & UPI): Review standing instructions inside your banking portal and UPI apps (PhonePe, GPay, Paytm) under 'Autopay'.

4. Investments & Policies: Consolidate your EPF UAN, NPS PRAN, and mutual fund folios under MFCentral or CAS.

The Consolidation Payoff

Holding more than three bank accounts creates administrative drag. Streamlining to a two- or three-account architecture gives you instant cashflow clarity.