India's CPI inflation is 4.38%, but your personal inflation could be higher. Here's how to calculate it
India's CPI inflation was 4.38% in June 2026, but personal inflation may differ based on spending habits.
MoSPI's category-wise inflation data can be used to calculate personal inflation rate.
Food and beverages inflation was 5.05% year-on-year, while personal care inflation was 16.72% in June 2026.
Personal inflation is calculated by weighting each spending category by its share of monthly budget and applying category inflation.
Protima Dhawan of Anand Rathi Wealth advises looking beyond headline CPI to reflect actual cost of living changes.
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