Personal Finance - India

For buying 1 Cr flat, how much salary one should have ? And what would be the ideal down payment & what should be the loan tenure. Don’t just consider this financial perspective. Please do conside… more

Hello sharks, any suggestions for new parents in terms of investment ?

I made an investment in ULIP worth 1L per year. Didn't know about the commission bank take.
Should I continue with ULIP for 4 more years or stop and invest in something else?
I already invest in MF… more

Hello everyone,

I need advice based on personal experience about HEALTH INSURANCE.

I have opted for care health insurance for last two years for myself and my wife and recently have had issues with them.

We are plan… more

I have around 25 Lacs savings. I want to invest it. Can anyone please help me with what all investments I can do.

While taking health insurance for parents, who are 50+ now. (Note : I have a company health insurance of 5L). How much cover I should take? & what are the necessary ridders I can add.

Which are the ridders should I take while taking a term life insurance?

Is there a way to earn from your stocks without selling them. I really don't want to pay a lot of taxes

Hi Fishes,

Need to understand one thing, myself and my wife has invested around 25L in MF, both long term and currently sip, its been close to an year. So when can I expect some good returns? My only g… more

Is ULIP good to buy?

Hi, my name is Shefali Garg and I am a registered Mutual fund advisor. Pls drop a message on 9414838166 if you need assistance with regards to personal financial planning, retirement planning, wealth … more

Which is best term insurance in india. Please suggest

Hi Fishes, need advice for my mother who retired this year and got a lump sum of 30 Lacs. Where will it be wise for her to invest? Nothing long term but short term with best interest. Any pointers/hel… more

Hi fishes,

I want to purchase a house for my parents and I have shortlisted a house in my village and the price of the same is Rs. 20lakh. Banks/nbfcs will not provide a house loan for this property as… more

Hello fishes,

newbie buyer would appreciate
valuable advice.. I'm planning
to buy under construction
property(possession Nov 2026)
of ~ 1Cr ..generally how typical
payment schedule for an under
construction property looks like?
I mean… more

Hi Fishes,

I never invested in the share market in India and have zero experience in share trading... To generate some passive income I want to start share trading inter/intraday.
Please suggest which… more

Can I change my profile name in Udemy through ultimatix so that my friend can get certificate from completed course? Will company be able to track the learning?

Hello fishes, I want help in managing my finances. I am 28 yo. Married. I have salary of 45lakhs pa with 45lakhs esops vested (20l).
Total investments till yet
Mutual funds - 18lakhs
Stocks- 1.5lakh
Nps - 2lakh
EPF -4.5lakh
I can inves… more

which laptop is better for long term use at less cost<30K.

i just want it to browse in chrome,, edit my files word, pdf, excel for personal stuff so it should have microsoft support with pdf editors.

more

Hi All,

which investments are safe and profit/interest earned is completely Tax Free.

i dont want to get tax deducted on savings account as i am already paying huge 30% taxes on salary and on top of tha… more

Is there any difference between idcw reinvest dividend vs growth option of same mutual fund. If they are same then why do fund houses show them as different options. I use mostly hdfc funds.

Frustrated Salaried Person

Yesterday, I have completed my ITR and even after paying all taxes on time through TDS, govt. put 15K as late fee and interest as a fine on me. That Extra tax is coming mainly because of… more

Hi All,

Can we claim the entire amount of leave encashment under section 10aa? My leave encashment from previous company was 1.7L

Hello fishes
Off topic
I am 32 years single mom with 20 LPA. I have a kid who goes to school with his annual fees 1.3 L.
As time is passing and with recession talks I am beginning to start feeling concerned about the fut… more

Hi All, need an advise,

Can i fill the ITR in new tax regime if i have select old regime in my company during taxes. Thanks

Hi All,

Need some financial advice for retirement, I would like to leave IT world by age of 45, currently my age is 30, M ,married and 2 year old son
Current finance status is
Ctc 28L, in IT industry for 5 years
Sav… more

Anyone got notice from income tax dept. for filed ITR??

Last year or this year.

Has anyone got an IT refund already? Mine is stuck at return processing.

I switched mid finance year and I had crypto transaction that they deducted tds.I need to file itr2. If CA/anyone can help me file my tax I am ready to pay. Please dm me

Hello Fishes,
I have around 3 lakh. I want to invest it for 3-5 years time horizon. Could you please suggest me correct split in different asset classes. Your valuable suggestions would be really helpful for me.more

I have plans for going for masters next year in April. Can you suggest any investment plans for me. I have 10k to invest every month

PS : I know the amount is less but being a fresher can save only tha… more

Which is best term insurance. Please suggest

Is this the right time to buy a personal home? Or financial expert see here prices getting on downside in coming years ?

Can any CA here provide an estimation of audit fees. I need an audit for my F&O Loss with turnover ~20K

Can we show personal loan interest under Any 80's section???

Has anyone invested in the app -Gullak ?

Its a digital gold app. Claims to have returns upto 16% with gold leasing.

Not sure how legit it is. If anyone invested pls share your thoughts

Can we declare the principal part of the education loan under 80c and interest part of emi under 80E?