Personal Finance - India

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?

Hi all,

My current CTC is 13.5 LPA. I'm also working on a freelance project since 6 months which is paying 22 LPA post taxes but there is no reliability in how long this will continue. How should I… more

Hi all, Im now stuck in a credit card debt where im paying unnecessary interest of 30-40k. Im unable to get any loan to clear these credit card outstanding as my credit score went below 600 as my cred… more

Where to find CA for salaried people for consultation?

is anyone able to achieve >12% XIRR in last 5 yrs through mutual funds?

i am investing religiously in MFs since 2017 and my current annualised rate of return is 11%

Allocation: 45% large cap, 25% sma… more

Which bank salary account is good. Currently I am having SBI account but not feeling it's good. Please suggest which bank salary account is good to take loan and other features.

I need help / suggestions from you guys , I’m trapped in debt . I earn around 25LPA tht gives around 1.3-1.4 per month and out our which 60k goes on paying emi . I took personal loans and in order to … more

I just joined new firm I want to invest 40k and earn compounding. Suggestion please

Hi Fishes, I am 35 and could invest 62 lakhs (includes pf, ppf, fds, stocks, mf, nps) only till now. I've a 1bhk with 10 lakhs loan remaining ( i dont consider home as asset rather it is an expense/necessity.

First… more

Is anyone doing options trading, if yes then what is your yearly roi.

Please suggest some business or franchises to set up as a for lm of passive income.

Current bank balance is around 3 lacs, & investments are around 5 lacs, I'm M, 5 YoE, 15.5 LPA, assuming I get a moderate 10-15% hike coz of my ratings and positive feedback or about 50% if I switch, I'll be able… more

Hi guys,
I have mistaken chosen old tax regime. I feel now I should have chosen new tax regime. Can it be possible to change to new tax regime now or while filing ITR ?

Hi guys,
My current CTC is 21.5 LPA. For this financial year I have choose old tax regime. Can anyone please guide me how can I save maximum tax without home loan.

Hi guys
Can I take home loan on my name for the house which is on my father’s name ? If yes Can I take housing loan tax benefit further in it ?