IndiaReply

i/PersonalFinance

saurabh.sharma

•

3 months

Need Financial Advice!

I am a victim of constant consumption. I'm a small town girl, still a student, living in a big city on my father's money. Sometimes just to match the level to my friends I overspend. These days it has become more frequent and I'm always in debt. I have no saving skills, I end up paying all the bills even when I want everyone to split. Please give me some ideas I can save more and spend wisely.

5

2 replies

vratesh62

•

3 months

Help with restructuring my portfolio

Hi, I am a 23-year-old working male earning around ₹1.2 lakh per month post-tax. Recently, I discovered the various investments my family has made in my name over the last 3–4 years. Now that I have started earning independently, I want to take control and chart my own investment journey. While reviewing the portfolio, I identified two issues: 1. High Costs in Regular Plans: Most of the SIPs were in regular plans, and we were paying higher commissions to agents. 2. Overlapping Mutual Funds: There were around 14 different...

2

0 replies

shubh05

•

3 months

Account closed automatically

i had an account in Niyox as i find it convenient for my student life. but on 3 jan i received sms saying my account got closed without any prior notice or warning and all my money is debited to idk where pls help guys

3

1 replies

vratesh62

•

3 months

Can I Use a Co-Working Space Address for Office Verification When Applying for Credit Cards?

Hi everyone, I'm a share trader and often face an issue when applying for credit cards with major banks. While my applications typically get approved initially, the process gets stuck at the office verification stage. I'm considering using a co-working space address for my business verification. Has anyone tried using a co-working space address for office verification with major banks when applying for credit cards? If so, did it work for you? Additionally, I'd love to hear any experiences or insights you might have on: How banks perceive co-working...

2

0 replies

smehssaketkumar01

•

3 months

What are Aggressive Growth Mutual Funds?

[**Aggressive growth mutual funds**](https://datesfinserv.com/aggressive-growth-mutual-funds/), also known as aggressive equity funds or growth funds, are a type of equity mutual fund that invests predominantly in stocks with high growth potential. These funds often invest in: * **Mid-cap and Small-cap Companies:** These companies have higher growth potential compared to large-cap companies but also carry higher risk. * **Specific Sectors:** Some aggressive growth funds may focus on specific sectors like technology, healthcare, or emerging markets, which are expected to experience rapid growth. * **Growth Stocks:** These are companies with high earnings growth...

4

0 replies

madhu

•

3 months

what should i do ?

[Which one should i liquidate ?](https://preview.redd.it/dylm28mth7be1.png?width=1432&format=png&auto=webp&s=570a0b88f216ab60d1f0401a2e2c6475c7a0fc0a)

1

1 replies

malagupta1918

•

3 months

My thoughts on this nonsensical tax system

https://medium.com/@Ari200626/indias-tax-system-a-crushing-weight-on-the-middle-class-e3321c402856 It's a blog on medium I wrote I am not promoting my account just sharing my thoughts.

2

1 replies

red

•

3 months

ICICI bank unable to provide bank statement.

I need bank statements back from 2012 as a proof of employment. I checked net banking portal and it states “no transactions” for that period. I visited the branch and they are not able to help either. I understand they may have issues recovering older transaction but I need the statements as a proof.

1

0 replies

red

•

3 months

Please read this email I wrote to tata capital and tell me is this some sort of scam my mother has gotten herself into

Please read this email I wrote to tata capital and tell me is this some sort of scam my mother has gotten herself into

2

1 replies

tanishasahu0911

•

3 months

i need immediate help/advice

I don’t know if its the right sub for this question but i need help. So my pnb bank account got frozen and wow there is literally no one taking the accountability and not even telling me why! That’s another thing but the thing is i have NACH mandate active in that account for EMI..i will make the payment manually tho but will The emi still count as a bounce if its rejected by the bank because my account is frozen. And if its get rejected this time, will...

4

1 replies

tanishasahu0911

•

3 months

GST on SMS alert charges

So these UPI payments are not free after all. You get charged by the bank quarterly for SMS alerts and GST on that too. Under British rule was the taxation less. Genuine doubt.

3

0 replies

tanisha_jk00

•

3 months

How to become an IB analyst at JP Morgan in India?

I am a newbie with a question, Is it possible to land an investment banking analyst role at JPMorgan coming from a tier 3 BBA college in India? How does a BBA from a tier 1 college compare in terms of opportunities, and is an MBA essential for breaking into investment banking in India? What steps should I take to improve my chances? Also, list what exactly these Investment Banks look at while selecting candidates…how much of a role does the tier of college play, and do gap years...

4

2 replies

saurabh.sharma

•

3 months

Mutual Fund SIP vs. PPF: Which is Right for You?

# Investing is crucial for long-term financial security, and two popular investment avenues in India are [**Mutual Fund SIPs** ](https://datesfinserv.com/sip-vs-ppf/)(Systematic Investment Plans) and the Public Provident Fund (PPF). Both offer distinct advantages, but understanding their differences is key to choosing the right fit for your financial goals. This blog post will delve into a detailed comparison to help you make an informed decision.

5

0 replies

smehssaketkumar01

•

3 months

What swift Code to use for globalinvesting.in withdrawal to HDFC bank in India?

# What swift Code to use for [globalinvesting.in](http://globalinvesting.in) withdrawal to HDFC bank in India?

4

0 replies

saurabh.sharma

•

3 months

Joint taxation for married couples

It is suggested to introduce an option for joint taxation of married couples by filing a joint return of income. Individuals may be given an option to pay tax under the Joint Taxation Scheme. They can choose to pay tax individually under the present scheme of taxation or opt for joint taxation of self and spouse. Under the joint taxation scheme, the threshold exemption available may be enhanced by doubling the exemption limit available to individual taxpayers. Also, the tax slabs may be broadened proportionately. Doubling the exemption limit...

2

1 replies

karan.batman

•

3 months

Weird experience trying to open Axis Bank account

So, I went to open an Axis Bank account recently, went to a bank branch. There I started the account opening process. They do it on employees' personal phone using some website or something. Weird but ok. They went through the process twice for some reason, asking all of the details 2 different times. I thought that was weird but well gave them all of the details anyway. Including some OTP for Aadhaar verification (I checked carefully that it was for Axis bank verification and not some other purpose)....

4

0 replies

saurabh.sharma

•

3 months

FD vs. Life Insurance: Which is Right for You?

# When it comes to securing your financial future, two common options often come up: [**Fixed Deposits (FDs) and Life Insurance**](https://datesfinserv.com/fd-vs-life-insurance/). While both serve important purposes, they are fundamentally different financial instruments. Understanding these differences is crucial for making informed decisions about your money. This blog post breaks down the key aspects of FDs and Life Insurance to help you determine which is right for your specific needs.

2

0 replies

jhasneha29novm

•

3 months

Got legal notice

Hello, Need inputs, I got legal notice from my bank due to unpaid EMIs of my education loan, What should I do I do now, I have job but unable to pay emi due to my other commitments. Please suggest me a good way. Thanks

4

0 replies

vratesh62

•

3 months

If there is a big transfer to my bank account (legitimate freelance income), let's say 20-30L, do the banks raise any issue?

If there is a big transfer to my bank account (legitimate freelance income), let's say 20-30L, do the banks raise any issue?

3

0 replies

sakshu_006

•

3 months

Is it worth buying gold from auction by bank?

Banks and NBFCs auction gold assets of people who default. Are these auctions a good opportunity to buy gold? \- Is the gold they sell pure and true to its value? \- Does the auctioneer provide assurance of gold purity and weight? Would like to know experience of someone who has bought gold in an auction.

1

0 replies

i/communityname

i/personalfinance

Need Financial Advice!

Help with restructuring my portfolio

Account closed automatically

Can I Use a Co-Working Space Address for Office Verification When Applying for Credit Cards?

What are Aggressive Growth Mutual Funds?

what should i do ?

My thoughts on this nonsensical tax system

ICICI bank unable to provide bank statement.

Please read this email I wrote to tata capital and tell me is this some sort of scam my mother has gotten herself into

i need immediate help/advice

GST on SMS alert charges

How to become an IB analyst at JP Morgan in India?

Mutual Fund SIP vs. PPF: Which is Right for You?

What swift Code to use for globalinvesting.in withdrawal to HDFC bank in India?

Joint taxation for married couples

Weird experience trying to open Axis Bank account

FD vs. Life Insurance: Which is Right for You?

Got legal notice

If there is a big transfer to my bank account (legitimate freelance income), let's say 20-30L, do the banks raise any issue?

Is it worth buying gold from auction by bank?

BMC told to finish all roadworks in Mumbai suburbs by May 31, says minister

With early heat waves, schools in Delhi cut outdoor activities, offer hydrating drinks to students

Centre working to bring Dream11, Winzo, online gaming firms under PMLA

HC upholds order for Wikipedia to remove ‘defamatory’ article

Air pollution level improved in 77 cities since 2017

Normal monsoon likely, says Skymet in relief for cultivators

In Ayodhya, 1 killed, 5 injured as dumper crashes into vehicles

New Aadhaar app in testing, set to ease authentication

Navy chief asks service brass to focus on seven key areas

‘I’m always for protection of women’: Minister amid Bengaluru molestation row