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You must start investing in Mutual funds. Just choose 2-3 schemes and start SIP. For suggestion you can start with 1 Large Cap, 1 multicap & 1tax Saver ELSS fund for now.
How to invest in these?
Contact for starting your investment journey at 7019194829 would be happy to help you
Start slowly. Do the first step.. Budget. Figure out how much you can invest and then start SIP and an RD. Sips will be for your long term needs. RD to build your liquidity/ emergency fund.
Not a big problem if you haven't invested yet (except ppf). If you haven't taken any loans, you are way ahead of most people!