Personal Finance - India

My 1st house purchase (Flat)
Salary 80K, I save 25K,
Purchase cost - 80L
Savings - 40L
Friends Relatives - 10L (if they give)
Home Loan - 30L, EMI-25K (20years)(wil pre pay 1L/year)

Main confusion is, we have 20L Gold… more

Planning to buy house, 40% Loan, CBIL - 789.

Which bank will offer the lowest interest rare?

One of my friend has loan from HDFC - his current interest rate is 7.10% but this low is it possible? Please … more

Can someone please give me full proof hack of getting out my Maximum PF out. Because on reddit I've seen claims getting rejected or only little amount is getting disbursed.
My Years of Service - 9.… more

Planning to break my PF for buying Home or home loan payment. How much time does it take for the claim to settle??

Need the PF amount big time 😂.

Is it safe to invest in small finance banks like Ujiivan or the other banks which Stable app provides for a period of 3-4 years? They give around 7-8% returns is what they claim... Don't want to i… more

Hi Fishes,

I have a question on ulip. Is it a agood idea to have this into your financial planning journey. Before any slashes me out. Hear me out. I dislike traditional ulip plan . I believe it's … more

Hi everyone! 👋

I’m Sooraj a licensed insurance broker with a passion for helping individuals, families, and businesses secure their financial future. I specialize in life, health, and industrial insu… more

I am 37 yrs old and have managed to save and invest about 40% of my salary across 8+ yrs now. Current value of all types of investments is about 1.4 cr. Is it appropriate for my age or am I falling s… more

Hello Everyone pls suggest,
I have ₹2 lakh available for investment. I don't want to put it in mutual funds or equity. I've already invested ₹3-4 lakh in physical gold. Should I add more into … more

Hey myself Rahul , I have recently cleared CFA Level 3 and looking for any opportunities which align with my Qualifications ,I have develop strong financial and valuation skills additional have learn… more

Hi all,
Need some suggestions.

I am starting to build my emergency fund and a holiday fund.
Holiday fund to keep saving for my trips.
I travel to my hometown once every quarter which equals to around ₹20000 in exp… more

Hi Fishes,
Last week for filling Income Tax return. Feel free to DM me for getting maximum return if you haven’t filed yet.

Does anyone knows how to claim tax relief on Leave encashment while filing ITR. I switched job last year.

Which regime should be selected on 30L salary, consider one exhaust HRA and other exemptions?

Personal Finance:

Did someone really have done SWP through mutual funds. Pls share with me the real case of someone who is doing so or yours.

One money lesson I learned a little too late was the importance of starting an SIP early. I kept thinking I’d start later, but the truth is, the earlier you start, the more time your money has to grow… more

I was checking Jindal Saw stock and it looks quite low right now. I feel it’s undervalued. The company has good profits, high promoter holding, and even FIIs are holding it. Promoters are also buying more e… more

Do people actually make regular profits in options trading?
Just curious is it really possible to earn 3k to 5k daily through intraday options trading? I’ve seen people say they trade for 1-2 hours, hi… more

I’ve been following Coal India for a while and honestly I don’t think it’s a good stock anymore.38k crore payment to mineral rich states is a huge burden and the company isn’t generating enough profit… more

I’ve always preferred safe and steady investments over risky ones.
Fixed deposits, PPF, and debt mutual funds have worked well for me so far.
Curious to know what’s your go to option when you want low … more

Been into intraday trading for around 6 months now.
Tried a few strategies like N7 and OHL, but honestly, most trades end up hitting stoploss barely any gains.
Just wondering what’s actually working for other… more

Started learning about investing recently, and it’s honestly overwhelming with so many options out there.
i have been reading about lump sum investments and came across a few names like
1. HDFC Balanced Advantage
2.Kotak Flexi<… more

Is gold best investment?

Can someone suggest where I can invest my money which I will need back after 1.5 years and also get around 10% return? Other than FD?

Can you suggest where can I gold at a discounted rate? I do have SGBs but they are now stopped from government.

Anybody having the courage to buy today's market dip?

Hi!

Anyone has any idea whether a VP position at HSBC falls under GCB5 or GCB4?
I've been offered VP position with GCB5 band. However, online, it's mentioned that VP position at HSBC falls under… more

Off topic
Hi any requirement Hdfc Bank personal loan, top-up or balance transfer(BT).
Or
OD(overdraft) facility
Call:- 9873730071

Need help!!!
My current employer is asking me to submit form 12B or 12BB along with investment proofs and their deadline is this friday. However I am yet to receive full n final settlement and form 12B from my previous employ… more

I am 30M, Planing to take term insurance of 2CR, Please guide.
Till what age should i take the coverage, 75, 80 or 85?? Currently planning to take till 75.
Any important Riders to take Or they just increase the cost unne… more

Is crypto really worth, those who bought TRUMP meme coin, within one hour they become Millionaire and in 2 day billionaire....

I am 35 and my current networth is about 1.85 cr. Still somehow I feel I am not doing good financially. My retirement corpus is 45L, equity exposure is 40L, gold 40L, about 60L in FDs and other debt … more