New Delhi, July 14 -- India's CPI inflation stood at 4.38% in June 2026, but that may not reflect the actual rise in your cost of living.

Protima Dhawan, Director & Unit Head, Anand Rathi Wealth, said individuals should look beyond the headline CPI.

"Headline CPI is an important benchmark as it captures price movements across 12 different spending categories with different weights. However, it represents the average consumer, not every consumer. In reality, every household has its own inflation rate because spending patterns differ significantly," she explained.

According to MoSPI data, food and beverages inflation rose 5.05% year on year in June, while inflation in the 'Personal care and effects' category stood at 16.72%..

This means...