Rohitaashv Sinha Shares Expert Insights with Moneycontrol on Smart Financial Planning Under the 8th Pay Commission

Rohitaashv Sinha recently shared his insights with Moneycontrol on how Central Government employees can strategically utilise the anticipated salary increase under the 8th Pay Commission to build long-term financial security rather than merely increase spending.

In the article, Rohitaashv emphasised that a salary hike should be approached with a disciplined financial strategy, balancing wealth creation, debt reduction, emergency preparedness and lifestyle aspirations.

He recommended allocating 40–50% of the additional income towards long-term investments and retirement planning, 20–30% towards repaying high-interest debt, 10–20% towards building an emergency fund, and the remaining 10–20% towards selective lifestyle upgrades.

Highlighting the importance of financial sequencing, Rohitaashv observed:

“The key is sequencing: pay off the expensive debt and get your financial base stable before loosening the purse strings on discretionary spending. Think of it this way: a salary hike is permanent, so it should ideally translate into lasting wealth, not just a permanently higher spending habit.”

The article further illustrates the practical impact of this approach by estimating the monthly investment potential across different pay levels under a 2.0 fitment factor. Based on Rohitaashv’s suggested allocation, employees could invest approximately ₹7,200–₹9,000 per month at Level 1, ₹17,960–₹22,450 at Level 7, and ₹49,240–₹61,550 at Level 13, enabling meaningful long-term wealth creation through consistent investing.

Rohitaashv also outlined investment strategies tailored to different stages of an employee’s career. He advised younger employees to prioritise equity SIPs while continuing National Pension System (NPS) contributions. Mid-career professionals should maintain a balanced portfolio comprising NPS, SIPs and debt instruments aligned with their financial goals, while employees approaching retirement should focus on capital preservation through Voluntary Provident Fund (VPF), NPS and other fixed-income investments.

Through his comments, Rohitaashv reinforces that the financial benefits of the 8th Pay Commission extend beyond higher take-home pay and present an opportunity for government employees to strengthen their long-term financial resilience through disciplined planning and informed investment decisions.

Read the full article here: https://www.moneycontrol.com/news/business/personal-finance/8th-pay-commission-how-to-invest-your-salary-hike-if-the-fitment-factor-is-2-0-13972787.html 

Last Updated on 27 July, 2026