CPI Says 4.38% — Is Your Personal Inflation Higher?

India's official inflation is 4.38%, but that average covers everyone — your real inflation depends on what you actually spend money on. If you eat out often, pay EMIs, or spend on health and education, your personal inflation is likely much higher.

Here's what happened: India's CPI inflation for June 2026 stands at 4.38%, measured using a fixed basket of goods and services by MoSPI.. The official CPI basket assigns fixed weights — food gets ~45%, housing ~10%, health and education get smaller shares — which may not match your actual spending.. Households that spend heavily on healthcare, private school fees, or eating out often face category-level inflation well above the 4.38% headline number..

What you should do: List your top 5 monthly expenses and check MoSPI's category-wise inflation data at mospi.gov.in to see how fast each category is actually rising.. Recalculate your monthly budget quarterly — if your personal inflation is 8%+, your savings rate needs to rise accordingly to avoid wealth erosion.. Review any FD or RD you hold: if your deposit rate is below your personal inflation rate, you are effectively losing purchasing power every month..

Pro tip: If education and healthcare make up 20%+ of your spending, your personal inflation easily crosses 9–10% — factor this into your term insurance cover and retirement corpus calculations, not just the 4.38% headline.