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i/PersonalFinance

karan.batman

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4 months

Step-up SIPs: A Smart Way to Grow Your Investments

Investing in mutual funds through Systematic Investment Plans (SIPs) is a popular way to build wealth over time. But did you know that you can make your SIPs even more powerful by using a strategy called "[**step-up SIPs**](https://datesfinserv.com/step-up-sip/)"? **What are Step-up SIPs?** A step-up SIP is a type of SIP that allows you to increase your investment amount at regular intervals. This can be done in two ways:

2

0 replies

mrigank_shekhar04

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4 months

High taxation has played a significant part in the slowdown

High taxation has played a significant part in the slowdown

5

0 replies

mrigank_shekhar04

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4 months

The government is reportedly considering cutting income tax for individuals

The government is reportedly considering cutting income tax for individuals

4

9 replies

mrigank_shekhar04

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4 months

Ph.D Research Survey on Indian CBDC (E-rupee)

Hello Indians, I am currently pursuing my PhD in Department of Commerce and Management at Bhakta Kavi Narsinh Mehta University, Junagadh, Gujarat. As part of my research, I am conducting a survey to gather valuable insights on the **Use cases of Indian Central Bank Digital Currency-CBDC or e-rupee.** The questionnaire should take approximately 5 to 7 minutes to complete. Your responses will remain confidential and will be used solely for academic purposes. Fill in the language you are comfortable with, and please forward the links to your contacts after...

4

0 replies

malagupta1918

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4 months

Credit card suggestions

Hi folks, I'm looking for some suggestions to maximise cashback. Monthly spend is a little above 1L. Around 30k on upi (not using credit card for this as of now), 20-30k on online shopping (Amazon, Flipkart, Myntra), 4-5k on Zomato, 4-5k on dine out, 10k on fuel and 10-20k on miscellaneous (car/bike insurance, appliance repairs, hospital). Don't have any health insurance apart from what i already get from my corporate office. I book flights twice every year for 4 people. HDFC Millennia Diners Club - has limit of 4.5+L....

3

1 replies

abhishat15

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4 months

Axis bank charging for Mandatory SMS ?

I heard recently from a friend that Axis bank sent out messages to existing customers that they will be charging 25 paise even for mandatory SMS alerts. Can somebody please confirm this is true ?

3

0 replies

sainsamridh_01

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4 months

Indian banks are a nightmare

For context: I used to work abroad, returned back to India, living off my savings and haven't had a job for some years (due to life threatening health problems and interviews here being another nightmare - reserved for a different post). So I wanted a credit card. Except of course I don't have income. So I found out a few years ago I can get credit card against FD. So I did that with ICICI, opened a 50k FD, got a credit card with 45k limit. Now I want...

1

4 replies

mrigank_shekhar04

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4 months

HUF ITR

My HUF Pan was issued to me in April 2024. Can I still go ahead and file the ITR for the FY 2023-2024 given that the HUF formation date is falling in Feb 2024?

1

1 replies

shubham_mishra

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4 months

Need advice with a bank account closure , where is there anything i need to worry about or not.

I had account on Jupiter neo-bank which was in federal bank. I had created account a year ago with basic verification like pan number etc. But didn't do video verification for permanant KYC . So I had a year of time for doing video KYC otherwise they will close my account. Now a month ago they sent me a email for changing my savings account to a savings account where there was a minimum cash limit to be kept. So i decided to close the account and thought it...

1

1 replies

shubham_mishra

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4 months

Tax on Stock market 📊

Tax on Stock market 📊

5

0 replies

tanishasahu0911

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4 months

Query Related to a Banking Activity - Union Bank

I have a query regarding my Union Bank account, which I opened 8-10 years ago. At the time, I was informed that it was a zero-balance account, and I wouldn’t face any issues even if I didn’t maintain a balance. However, a few years ago, the bank informed me that I needed to maintain a minimum balance of Rs. 2,000, and they even deducted money from the account due to low balance. When I raised a complaint, they didn’t address it. As a result, I started maintaining a balance...

1

0 replies

tanishasahu0911

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4 months

Do Market Institutions really care about retail traders?

Do Market Institutions really care about retail traders?

5

0 replies

karan.batman

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4 months

Need help with investment

Hello everyone, I recently switched my job and got a very good 75% hike. Now, earlier I used to send a fixed amount to my alternate savings account every month. Basically it was my emergency fund. I am looking to seek some advice on whether to put my money on lic or sip or stocks for longer run or not. Just please help me out how to invest money. I am literally a noob.

5

0 replies

saurabh.sharma

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4 months

India surpass china to become biggest IPO market of Asia

Source:https://www.ft.com/content/24d8bd5a-7003-49c3-90b7-e2c6cda61de3

3

0 replies

saurabh.sharma

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4 months

Personal finance help

I'm earning 1L per month. I pay my education loan of rs 30000 every month which is due for 15yrs My regular expense is covered within 70000 How should I handle the remaining 30000? I already have a mediclaim which my dad covers.

4

2 replies

sakshu_006

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4 months

India made Rs 2.52 for every Rupee spent on space:

India made Rs 2.52 for every Rupee spent on space:

4

0 replies

daddy

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4 months

Please help regarding SBI closed account

I am a post graduate student and I am eligible for a stipend. For receiving the stipend we had to give our bank details. (Acc. No, IFSC etc). I accidentally gave the account details for an old account which was permanently closed. Now the stipend money has been processed. All my classmates recieved except me (obvious). So what happens now? Will the money go back to the sender? If so how many days would it take? Or anyother useful information to help this situation so that i can get...

5

0 replies

abhilasha

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4 months

Esop redemption need help

Esop redemption need help

3

0 replies

sakshu_006

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4 months

Daily Interest Accumulation Investment

Is there any daily interest accumulation investment option? Like Payemt earlier had FD in which you earn interest daily. And there was Mobikiwk with the Xtra investment option. I sometimes receive a lumpsum amount before paying it back somewhere else. And want to invest ti to earn some typical interest amount. I also can withdraw my original investment anytime with the accumulated interest. Payment and Mobikiwk had such investment options. But payment payments is gone and Mobikwik closed the Xtra daily earning option. Kindly let me know folks. Thank...

3

1 replies

tanishasahu0911

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4 months

Vehicle Sales Crashed by 15% Y-o-Y

Vehicle Sales Crashed by 15% Y-o-Y

1

1 replies

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