How to save ₹1 lakh, travel fund 2025, save money for travel India, budget travel India, Indian travel savings plan, finance tips for Indian travelers
✈️ Why You Need a Travel Fund — Not a Travel Dream
Everyone wants to travel. Few people plan for it.
Most Indian travelers believe international travel is a luxury only for the rich. But what if you could save ₹1,00,000 in just 12 months—without cutting Netflix, weekend snacks, or your basic comforts?
Welcome to the smart travel saver’s guide.
💰 The Goal: Save ₹1,00,000 in 12 Months = Just ₹8,333/Month
Let’s break it down first:
- ₹1,00,000/year = ₹8,333/month
- That’s just ₹277/day (less than a pizza!)
- No need for extreme minimalism — just smart tweaks
Here’s the system.
🔟 Step-by-Step Travel Fund Strategy (Without Changing Your Lifestyle)
1️⃣ Open a Dedicated Travel Savings Account
Why it works: Keeps your money safe from impulse spending.
✅ Use digital savings accounts like SBI Digital, ICICI iWish, or Kotak 811.
✅ Automate ₹8,000 transfer every month.
2️⃣ Use Cashback Credit Cards Smartly (Then Save It)
✅ Use cashback cards like SBI Cashback, Amazon ICICI, or HDFC Millennia.
✅ Save the cashback into your travel fund monthly.
Estimated Savings: ₹500–₹1,000/month (₹12,000/year)
3️⃣ Sell 3 Things You Don’t Use Every Quarter
Old phone, unused clothes, gadgets.
✅ Use OLX, Cashify, or Instagram resale
✅ Goal: ₹5,000/quarter = ₹20,000/year
4️⃣ Avoid Delivery Apps Twice a Week
Don’t cut eating out—just skip 2 delivery orders/week.
✅ Save ₹500/week = ₹2,000/month = ₹24,000/year
✅ Use Swiggy wallet refunds or Zomato coins in emergencies
5️⃣ Track Your Subscriptions: Cancel 2 You Don’t Use
You only need 1–2 platforms.
✅ Cut that gym you don’t go to or the 4th OTT you don’t watch.
✅ Savings: ₹400–₹1,000/month
6️⃣ Use Price Tracker Tools for All Travel Bookings
Before booking flights or hotels:
✅ Use tools like Google Flights, Hopper, or Skyscanner alerts
✅ Save ₹5,000–₹10,000/year by booking smart
7️⃣ Travel Off-Season and Mid-Week
✅ Flights & hotels are 20–40% cheaper
✅ Travel in March, June, September or early December
✅ Avoid long weekends and holidays
SEO opportunity: “Off-season travel deals for Indians”
✍️ Realistic Monthly Breakdown (Sample)
| Strategy | Monthly Savings |
|---|---|
| Delivery skip (2x/week) | ₹2,000 |
| Cashback & card points | ₹1,000 |
| Subscription cuts | ₹500 |
| Selling unused stuff | ₹1,500 |
| Booking smart | ₹1,000 |
| Automated savings | ₹2,333 |
| Total Monthly | ₹8,333+ |
🌍 What Can ₹1,00,000 Get You in 2025?
- 6-day trip to Thailand (flights + hotel + food)
- Budget Europe trip with hostels & Eurail
- Solo backpacking trip across 3 Indian states
- Honeymoon in Sri Lanka or Bali
- 1-month digital nomad life in Vietnam
It’s not a dream — it’s just planning.
🧠 Bonus: Travel Fund Apps You Can Use
| App | Purpose |
|---|---|
| Jar | Auto-save spare change daily |
| Fi Money | Goal-based travel saving |
| ETMONEY | Monthly SIPs for travel fund |
| Splitwise | Track and split group trip costs |
| TravelSpend | Real-time travel budget tracker |
🚀 Final Thoughts: Make Travel a Priority, Not a Luxury
You don’t need to change your life — just redirect a bit of it toward your travel dream.
The difference between “someday” and “next year” is ₹8,333/month.
So go ahead:
Open that savings account, automate your monthly deposit, and start planning your next destination.