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What will be in hand
I have a weird experience with KPMG India . Two weeks ago I had salary negotiation with the HR manager. He told me that the offer will be released in a couple of days but I haven't received the offer letter yet.I tried reaching out to the HR manager but didn't receive any response. Shall I take it as no?
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If you need the money urgently or if you feel you will invest it better outside or even offset it against loans which are taking away more in the form of interest, then yes.
Otherwise, this has better tax free financial gains than other products in the market, so you can accumulate and continue to let it grow.
Don’t withdraw unless you need money for some valid reasons else you’ve to pay high taxes.