Personal Finance - India

Hello Fishes, I am earning around 2.5 L per month, I am planning to buy a 2BHK in Bangalore and it will cost around 1 Cr.
Right now I just have 15L in my account, Would it be a wise decision to take pe… more

Hi fishes, I need some financial help
Im 28y with 5yoe I earn 1.3 lakh pm
I have to take care of my family mom dad 2 sisters and wife and im having a baby
My expenses are below
1. 26.5k emi pm to personal loan for 4 years
2. 15k I send it to my parents<… more

I am looking for lifetime free credit with maximum benefits based on corporate tie up as I am Akamai employee ..Please suggest best options available.

Guys, shower me with your opinion

a)60 lakh plot in my hometown , Tier 2 city indore
Or
b) 60 lakh flat in tier 1 city bangalore where I work, so it will help me in saving rent as well

Which is better ?

I invest in Mutual Funds through Groww app and want to change my bank account through which payment is made. Is it possible to change the bank account?

Hey guys! Does it make sense to invest in a large cap mutual fund and flexi cap at the same time?

I am looking to invest in a large cap and wanted something additional to that as well.

Also, I have a l… more

Do we need to pay income tax as well on the equity profits(Stocks/Mutual funds) or only the capital gains tax?

I have a possession of gold jewellery worth 12 lacs. How can I make use of it to finance a house or some other thing, rather than keeping it idle?

Or what is the best way to put it to work?

I am a Chartered Accountant with 8 Year’s of experience with CTC of 45 Lac. Currently working in Mumbai in a leading MNC. Just want to ask fellow finance professionals and CA in industry that am I pai… more

What are the TOP valuable CREDIT CARDS in the Indian market ?

I had almost 20 cards, then I reduced to 7 Most premium ones.

Still please provide your inputs on MOST Valuable credit cards as per your personal experi… more

Which bank gives more benefits for salary account holders and which type?

I have two home loans of 25L at 8.5(fixed) and 50L at 8.4(floating) each for 15yrs. i also have corpus of 40l invested in market, should i repay my loan to max or keep money invested ?

Is there a limit to how many term insurance plans we have and the overall cover?

Can I have 2cr cover from icici prudential and 2cr from max life?

Off topic

Am planning to buy washing machine .
Semi or Full automatic (7kg)
Please suggest which one is best?

I shortlisted :Samsung fully automatic front load(17k)
If semi means whirlpool (10k)

Hi Fishes
I have accumulated one apartment when costed 40L in 2019 in tier 1 city, a plot worth 25L in 2023 in tier 2 city, and savings worth 1 cr (including pf, ppf) out of which 65% is in equity. And… more

Hey folks,
I have been a profitable trader for a few years now.
(Ex- I made 100% ROI on my total capital last FY) .
I recently started managing other's account as well, those who have a certain capital and risk appetite.

more

Hello All, is max life term insurance good? Any red flags to check while buying term plan?

Today i tried to collate reimbursement invoices to submit at my workplace /company.

A Nationwide famous courier agency told me we dont give gst invoices, you need to pay more to get the gst invoice.

I asked brokerage invoice t… more

Hi advisor,

Need some help here.
Me and my partner together earn around 5lac/months. What should we keep ideal budget for rent. Right now we are living in small apartment rent is around 30k.

Is it good… more

Hi Folks,

What are the minimum insurances that we must take as we start earning salary? I am a fresher(age -24), earning around 40k and experience is around 1 yr. So, needs suggestions as I have no ide… more

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?