Close Button Close Button
X
NRI Services Helpline

Calling FromPhone Number
Calling us from INDIA+91 20 6712 1212
Rest of the World+91 20 6787 1700

Cracking the Carb Code: Understanding the Carb-Diabetes Connection

Have you ever wondered how many carbs are hiding in your favourite dishes that can impact your blood sugar levels? If you love dishes like rice, dosa, idli, lentils, potatoes and puris, which are quite carb-heavy, and believe that they are a strict no-no, especially if you have diabetes, then that’s not really true.

The reality is that with a bit of understanding, some creativity and clever modifications, you can still enjoy your favourite foods without impacting your blood sugar levels. So, whether you or your loved one has diabetes, there’s no reason to worry when including carbohydrates in your diet.

Grab a cup of unsweetened chai, sit back and discover the carb-diabetes connection and learn to make healthy carbohydrate choices.

Get in Touch to Know More
I agree and consent to the Terms & Conditions, Privacy Policy
Get Your Life Goals, Done!

Tailored Life Insurance Solutions for your long-term Life Goals.

Written ByShruti gujarathi
AboutShruti gujarathi
LinkedIn Icon
Shruti Gujarathi has 5 years of experience in the BFSI sector, and as Manager – Digital Marketing at Bajaj Life Insurance, manages digital and content marketing. She has had hands-on experience in content strategy, performance marketing and Strategic Alliances over a career spanning 10 years, with deep expertise in insurance domain.
Reviewed ByRituraj Singh
AboutRituraj Singh
LinkedIn Icon
Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.
Written on: 13th November 2025
Modified on: 14th November 2025
Reading Time: 15 Mins
Share

Understanding carbs

Your body needs carbohydrates (carbs) to provide your body with the energy it needs to carry out various functions. Although carbohydrates are an essential macronutrient, they have a negative reputation because of the adverse effects associated with excessive carb consumption including weight gain, diabetes and heart problems.

So, it is natural to wonder how much carbs you can safely consume without any complications or whether you should eat them at all. The important aspect of eating carbs is understanding that there are different types of carbs and the goal is to choose the right type and quantity that can benefit you and keep you healthy.


Types of carbs

There are essentially three forms of carbohydrates, i.e., sugar, starch and fibre. Maintaining the right balance between the three is essential for maintaining stable blood sugar levels.


Sugar

The simplest form of carbs, sugar is found naturally in certain foods like fruits, veggies and dairy products. Sugar comes in different forms including:

  • Fructose (fruit sugar)
  • Lactose (milk sugar)
  • Sucrose (table sugar)

Sugars added to foods can cause blood sugar spikes and should be consumed sparingly.

Starch

This is a complex carbohydrate that comprises multiple units of sugars linked together. Typically found in grains, veggies and cooked beans, starches take a longer time to break down and are a good source of sustained energy.

Fibre

Another complex carbohydrate, fibre is found naturally in whole grains, vegetables, whole grains etc. Fibre plays a key role in maintaining digestive health, makes you feel full after eating and also reduces cholesterol levels.  

So, the carbs in your diet should be high in fibre, followed by complex carbs and least in simple carbs.

The carb-diabetes connection

To understand the link between carbohydrates and diabetes, it is essential to be aware of the way your body converts food into energy. Carbs are the main energy source for your body and when consumed, they are broken down into glucose (sugar) by your digestive system.

The sugar then enters your bloodstream, causing a rise in your blood sugar levels. When this occurs, the hormone insulin is produced by your pancreas, which moves the sugar from the blood to your cells, where it is used for energy.

However, in the case of diabetes, either your body does not produce adequate insulin or it cannot use the insulin efficiently.

The sugar doesn’t reach the cells properly in both types of diabetes, causing an overload of sugar in the bloodstream. This results in high blood sugar levels, which can be harmful to health. Further, consuming excessive carbs can worsen the problem over time, leading to serious complications.


How many carbs can a person with diabetes consume safely?

As per the CDC (Centers for Disease Control and Prevention), people with diabetes must get around 45% of the total calories from carbs daily. It is recommended that men should get around 4 to 5 servings of carbs, around 45 to 75 grams in every meal, while women must get around 3 to 4 servings of carbs at around 15 grams per serving.


There are many factors such as age, weight, level of physical activity and diabetes medications that impact the amount of carbs a person with diabetes must eat.

It is best to consult your nutritionist or doctor to determine the number of carbs you should eat. If you or your loved one has diabetes, then it is a good idea to make smart food choices to limit your carb consumption to keep your blood sugar levels in check.


Tips to make smart carb choices

  • Pick healthy carbs: Choose healthy carb options such as whole grains, non-starchy veggies and fruits as they are loaded with fibre, vitamins, minerals and other beneficial nutrients.
  • Avoid processed and sugary foods and beverages: Processed and sugary foods and beverages have empty calories, do not offer any nutritional value and cause spikes in blood sugar levels. Keep sugary foods or beverages on hand in case of a hypoglycaemic (low blood sugar) event.
  • Track your carb consumption
  • o   Carb counting: Carb counting is very important for people having diabetes, especially if you’re on mealtime insulin treatments. The technique can help to determine the number of carbs you’re eating. When shopping for food, check the nutritional labels on the products or when you’re eating out, check the nutritional information of the foods you're ordering.
  • o   Diabetes plate method: This technique can help to manage your blood sugar levels by creating healthy, balanced meals, if you have diabetes. The diabetes plate method emphasises eating whole grains, non-starchy veggies and legumes and avoiding highly processed products and refined grains.
  • Measure and weigh carbs: You can use measuring cups or a weighing scale to determine your carb consumption accurately. This can help to match the carbs eaten with your insulin dosage.
  • Stay Active: Regular physical activity for at least 30 minutes such as walking, swimming or cycling can help to keep your blood sugar in control.


Healthy carbohydrate swaps

  • Swap white rice for black rice, brown rice, quinoa or cauliflower rice as these contain more fibre and are healthier choices for people with diabetes. These alternatives have a lower glycaemic index (GI), which means that they do not cause spikes in blood sugar.
  • Switch from white bread to whole-grain, multigrain or ragi bread. These contain more fibre and nutrients, which makes them healthier carbohydrate options.
  • Exchange starchy dishes with non-starchy veggie ones. Potatoes have a high carb content and can raise your blood sugar levels very quickly. Choose dishes made from non-starchy veggies such as saag, baingan or bhindi. These veggies are not only low in carbs but are high in fibre too, making them a better option for blood sugar management.
  • Have fruits instead of sugary desserts. Desserts like gulab jamun, jalebi, cakes, doughnuts, jelly and ice creams are loaded with sugar and carbs, making them harmful for people with diabetes. Satisfy your sweet cravings with healthier fruit-based desserts such as fruit salad or just fresh fruit. These are not only low in carbs, but high in fibre, vitamins and other essential nutrients, making them healthier choices.
  • Swap fizzy and sugary beverages for water or unsweetened beverages. Carbonated beverages, lassi and juice have added sugar, which can impact blood sugar levels. Choose unsweetened beverages like coconut water, buttermilk, jeera water, lemon water or just plain water that can help to reduce your carb intake and also keep you well hydrated.


Every carb counts: Finding the right balance for effective diabetes management

The common notion that people with diabetes should not eat carbs is a complete myth. A deeper understanding of carbs and their impact on diabetes shows that by making smart food choices, you can still enjoy a wide range of your favourite carb-rich foods like potatoes, rice and dosa while managing your condition effectively and reducing the risk of complications.

Disclaimers:
Plus Symbol
Minus Symbol

The content of this article is intended for informational purposes only and does not provide any professional medical/nutritional advice. Kindly consult your Dietician/Nutritionist/Doctor for any assistance/advice. Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) disclaims any warranty, responsibility or liability for the accuracy of the above information and assumes no responsibility for errors or omissions.

BLIC-WEB-ECNFLC-19025/25

X
Disclaimer

*Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116

X
Terms & Conditions

I hereby authorize Bajaj Life Insurance Limited. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

 

Please refer to BALIC Privacy Policy

X
Disclaimer

%%Above illustration is for Bajaj Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V03) considering Male aged 25 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,238. 2nd Year onwards premium is Rs. 6,659. Total Premium Paid is Rs. 1,99,349 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly installments (Lumpsum Payout Percentage : 45, Income Payout Percentage : 55) | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. This is inclusive of all the discounts mentioned above.

##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

@Term Insurance plan bought online directly from Bajaj Life Insurance has no commissions involved.

^^The Return of Premium amount is total of all the premiums received, exclusive of extra premium, rider premium and GST & /any other applicable tax levied, subject to changes in tax laws
Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116

X
Disclaimer

Bajaj Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V04)

*Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116


close
Ask for an Agent
Sign up for personal visit and tailored advice from our expert agents

Claim Settlement Ratio of 99.29%~