Personal Finance - India

Need a Finance advice!
I had 12L personal loan from HDFC
Per Month EMI 25644 ( total 60 Months)
I have just completed 6 emi .....
I can able to save 25k per month.
Suggest good idea to where can i invest this … more

Hello Everyone,

Does PF Interest got credited this year? Is anyone able to view that in Member passbook?

Early pay in term insurance what is your view?

Some say it's a waste of money we should invest that and even if we don't invest the value of the same premium after that many years will not be … more

Which is better zero cost term insurance or chose a term and using the extra premium to invest and effectively make it zero cost?
Calculation shows the 2nd option is more beneficial

Fishes, help me out with a minor confusion.

I have been doing SIP of 26K lately, hike is making it 1L

I'm thinking of opting NPS (will take 30k monthly from the corpus/ very high base pay ) and 50K in SIP and use the rest to build my emergency fund and then slowly add a debt compon… more

I have 2 lakh. I want to invest it for 3-5 years. Where can I invest this amount for good returns? Thanks in advance for valuable suggestions.

I want to withdraw partial PF amount . Can anyone confirm how much I can withdraw without any TDS or taxes?

How and where in on PF Statement to check if the interest is credited ?

When was it credited the last time for you guys ?

Is anyone able to access PF passbook?

How much money is fuck you money for Salaried class ? Or it’s a never ending hustle till we die?

Is Amex credit card worth the annual charges?

I am planning for tax harvesting. I know how to do that. I want to do buy and sell the same day to not have any difference between the CMP. My confusion is
1. If I sell first and buy later, will it be considered short sellin… more

I am planning to get credit card from reputed banks like HDFC SBI STANC IDFC HSBC etc. I have Axis ICICI AU & CITIBANK card already.

I want no or very low annual or renewal fees.
I want decent amount of cashb… more

Dear Investors,

With the financial year coming to end and the market volatility , we have brought a unique utility which you can use to get your portfolio reviewed and take corrective decisions in case… more

Is FOF better than ETF?

I have been SIPing intoMON100 ETF. Came across MON100 FoF which holds the same etf but the returns look high.

Is it bette to get into FoF rather than ETF?

Hello friends,
I’m investing in Axis Bluechip & Axis midcap from last 3 years.
Off late, I have observed both the funds have underperformed.
Those who know more about Axis MF, share your insights.

What should be the ideal salary (or a range of salary) of a 5-6 years experienced IT professional as of now?

I would like to foreign trips in the near future and would like to get financial advice.

I purchased Sovereign gold bonds yesterday through SBI online. But, I entered the wrong client id. Any idea how it could be corrected?

What are your thoughts? I want to invest INR 21000000 to buy a Commercial Shop (including tax and maintenance) in this I pay 5000000 as initial payment and rest 16000000 via loan payable for 15 years in amortizat… more

How much money is “F**k you Money” according to you?💰💸💸
(any amount of money necessary to maintain a desired lifestyle without needing employment or assistance from anyone)

Hi Fishes,
Need some guidance on Sovereign Gold Bonds (SGB). Should I buy it from RBI on bond issue date? Or shall I buy it from secondary market by placing the order. Is SGBs best way to invest in Gold?
more

Should we check our portfolio & net worth(NPS+ EPF + PPF + Gold + Equity) in daily basis? Is it a good idea or shall we uninstall those apps & check quarterly or in six months?

Is it a good time to invest in index funds? Nifty 50, Nifty Next 50, Nifty Smallcap 250

While reading Rich Dad Poor Dad, I saw a mention of Garrett Sutton’s books for building corporations. Does anyone have any idea if these books are relevant for the Indian market as well?
I was plannin… more

Hello Fishes,
My Take home salary is 1.3LPA.
Monthly Expenses- 30k
2L emergency Fund, Covered with Health & term insurance.
How effectively I can invest 1 lakh, keeping in mind my short & long ter… more

Me and my wife together earn 3lakh per month and we are saving around 1 lakh a month and 50k home loan emi (almost 70 percent principal).

Rest 1.5 Lakh we are spending in rent, lifestyle, and shopping. I feel we … more

My per month take home is 2 lac. 29 years old and am father 1 month old infant .

Present monthly investments :
Monthly expenses : approx 70k
SIP Quant mid cap fund : 10k
SIP axis bluechip fund : 10k
Kotak small cap fund : 5 k
Fd: 1 lac… more

Hello All,

I have been trying to find out additional sources of income apart from the salary. It would be great if you all can suggest some ideas
P.S. I am not good at trading/investing in stock markets

Does anyone found anything useful in Cred app?

Is it is only me who feels it is useless.