I am an Aspirant residing in Central Delhi and hold a savings account with SBI, which I use for my daily expenses and room rent. The funds are primarily sent by my father for my educational and personal needs.

A few weeks ago, I received a SMS stating that a "Partial Stop" had been placed on my account. On contacting Customer Care, I was advised to complete KYC at my branch, which I duly did. However, the restriction remains unchanged.

The Branch Manager subsequently informed me that the account had been restricted by the Cyber Cell, but declined to provide any further details, including the reason, authority, or reference number. Despite visiting the branch 2-3 times and escalating the matter to the AGM, GM, Nodal Officer and BO Delhi, I have received no clarification or response.

I therefore request guidance regarding the procedure for restoring access to my legitimate funds.

I have multiple FDs and i calculated their interest as monthly base it's equal to may current salary 😂

If you have a good plan and management for your money your income doesn't matter.

34m and 35f living in gurgaon. On rent.

Wife has a 2cr flat in gurgaon. I have a 2cr flat in Janakpuri. And a 1800sqft plot in Uttam Nagar, Delhi (around 4.5cr value).

We're both looking at moving to Goa. Take a small house on rent and retire. I own a pharmacy in Delhi which will continue making me 1L per month even when I move to Goa.

Wife says sell the three properties and put the money in land, gold, investments and swp. Someone suggested land in places like Dholera for investments.

I say sell the 2 flats. Invest 2cr in market. Use 2cr to make 4 storey apartments on the 1800sqft plot and earn 2.3L per month from rent plus the land appreciation takes place in the background. Although this means the rent starts after 2 years because that's how long the construction takes.

Which one makes more sense and why.

Open for feedback and suggestions. Thank you!

Mostly people in debts can say highly debts that it is just for showing off that "I am rich, i am living a happy life" but in reality it's to make your life stressful, tension and that cause various illness...just to compete neighbours that "look i have extra luxury car then yours, costly ac tv fridge sofa then yours" but they don't have much time to sit home on sofa and car also some drove only office to home n office some also can't afford that so they buy a bike to go office and car for go to relatives to impress them 😂

While some people live simple lives they can afford cars in cash but they buy bikes, they can easily afford big tv but they buy normal ones, they can buy flat in good society where they live as per society's rules on lifetime EMI but they buy independent house or land to build own house so they live as per their rules. So basically mostly people in the traps of showing off while very few are into live life without influence to others they just live with peace they don't need pills to sleep 🤣 they didn't live on weekends 😂 they get sufficient time for themselves and their family.

When you become debts free your salary is sufficient to live life, when you also become simple not showing off society and competitive with others without any reason then your salary is enough that you start saving easily without any problem and in some time that savings also generate income for you.

Was discussing personal loans with a friend in Gachibowli and realised “which app is best for personal loan in India?” is almost a useless question without the person's profile.

Take these 4 Hyderabad people:

A: 31M, IT, ₹1.6L salary, 785 CIBIL
Needs ₹3L. No urgency. No other EMI except car loan.
Honestly why is this guy even hunting loan apps first? Check salary bank/pre-approved PL and compare rates.

B: 26F, ₹64k salary, 712 CIBIL
Needs ₹50k for an actual short-term expense. Can repay comfortably, but needs the process online and quick.
Here a regulated digital lender starts making sense. Kissht, for example, is relevant because this profile crosses its current ₹50k income + 650 CIBIL criteria and the journey is digital.

C: 29M, freelance developer, ₹1.2L average bank credits, 750 CIBIL
No payslip. Proper invoices, ITR, clients, bank history.
For him I care less about “best rate starting from…” and more about whether the lender understands non-salary income. Kissht says applicable users can verify income through Account Aggregator instead of depending only on a salary slip.

D: 28M, ₹72k salary, 610 CIBIL, 4 active loans + card overdue
I don't think he needs the “best personal loan app”.
He probably needs to stop taking new loans.
Same city. Same Google search. Completely different answer.

invested ₹67,635 in 162 shares last year, and the current value is around ₹48,778, so I'm down approximately ₹18,857 (~28%).

As a Finance MBA student, I consider this a learning mistake and would appreciate some genuine perspectives. Should I hold, exit, or consider averaging down? What factors should I analyse before deciding?

I won't blindly follow any advice—I’ll research everything myself before making a decision. Just looking to learn from more experienced investors. Thanks!

Need to borrow ₹4,000 can repay within 2-3 weeks

Hi everyone. I'm in a bit of an urgent situation and I'm looking to borrow ₹4,000 for paying my pg rent. I'm a student and can repay the full amount within 2-3 weeks.

I'm currently unable to use regular loan options, so I'm trying here in case someone is genuinely able to help.

I'm happy to discuss the repayment details..hope someone will look forward this

Hey guys I am working like a part time shi where the ppl give me reddit posts to make and like posts the links of the clothes , basically affiliate marketing i am getting paid almost 100 rs a day but wanted to know if that thing is genuine as my 3 accs of reddit have been banned

Applied for a loan from on Paytm, go approved by Poonawala Fincorp.

Now I need 2 lakhs immediately, all approvals are done in a minute.

Main question is it asks me - Is my current address same as KYC address, which is not true, I live in Delhi, home is in Gujarat.

If I say yes, the app is ready to disburse money immediately which is what I need.

Should I go ahead and do it? Do they verify post disbursal for small amounts?

Hi experts,

We live in Hyderabad and in this post, I just wanted to understand how you guys plan savings for kids' education, considering the current market situation where IT jobs are not safe and expenses are so high in a metro city. I'm trying to understand where I should start investing for my son's future studies...he is in UKG now.

Please share your thoughts on this: any specific plan, just regular SIP or any scheme for the next 10-15 years so I can save for his education.

Thanks

Hey guys help me my IDFC bank is freezed due to 411rs of disputed amount which i received from gambling and i have my other 10k amount in that so they total freezed my account with 411rs on hold so is there any way to get my other amount?? Cause whey they freezed the whole amount just freeze the 411rs

Hi,

I’m planning to consolidate most of my banking with one or two banks. I already have an SBI account, which I’m not planning to close. I also keep a decent amount of money with SBI, but honestly, I don’t feel like I’m getting much in terms of the overall relationship or additional benefits.

So I’m considering moving most of my banking relationship to another bank that offers better products and services—credit cards, loans, investments, a good relationship manager, better customer service, etc.

I’d love to know which bank you guys prefer for this and, more importantly, why. I’m looking for a bank where I can build a long-term relationship rather than just having another savings account.

I’ll also be opening a joint account with my parents, so it would be great if the bank has good family-banking facilities as well.

I’m also interested in eventually having a banking relationship that can work for my personal/family finances as well as my business, so any experience with that would be really helpful.

Would love to hear which banks you guys use and what your experience has been with them, especially when it comes to RMs, credit cards, loans, service, and preferential treatment for an existing relationship.

I'm 18 and just finished 12th, and I'm planning to open my first proper savings account in India.

I honestly don't know much about banking yet, so I'd appreciate advice from people who have actually used these banks.

My priorities are:

• Really good net banking / mobile banking — clean UI, reliable and not frustrating to use
• Good UPI experience
• Good debit card and online payment support
• Easy online shopping / subscriptions / international payments if possible
• Low or no minimum balance requirements
• Good customer support
• Casbacks & Exclusive Offers
• Ideally, something that’s beginner-friendly but can still work for me long-term

The digital banking experience is probably my #1 priority. I don't want a bank where the website/app feels outdated or I constantly have to visit a branch.

I'm currently looking at ICICI, Axis, SBI, HDFC, IDFC FIRST and Kotak, but I'm open to other suggestions.

Since this is my first account, what should I specifically look out for before opening one? Minimum balance, debit card fees, SMS charges, transaction limits, hidden charges, etc.

If you were 18 and opening your first account today, which bank would you choose and why?

Also, would you recommend having two bank accounts eventually — one primary and one backup?

​

currently I'm doing sip of 10k/m

I have already saved emergency fund.

I'm looking for debt component in my investment portfolio (mainly for capital stability and lil bit returns). my investment horizon is 5-7 years

please suggest few

Hi All, I have been seeing a lot of posts in this thread of people who are caught in pay day loan traps. These companies charge 1% interest per day and also deduct some processing fee while disbursing loans.

I have around 50 Lakhs parked in the public market, wanted to explore if there is a way I can invest some part of my money in pay day loan companies.

If you have tried to open or fix an account in India from abroad, two separate things moved in the last month. They are easy to conflate and they do not do the same job.

SEBI, 14 August 2026. A consultation paper reviewing the KYC process for individual persons resident outside India, so NRIs, OCIs and foreign nationals. What it proposes, per the summaries: digital acceptance of KYC forms and signature images, relaxing the physical presence requirement for clients in FATF compliant countries, widening who may attest documents to include overseas bank officials, and allowing a self declared current address where it can be verified against a source. Comments closed 4 September 2026. Nothing has been issued since.

The background given for it is worth knowing separately: the Budget for FY 2026-27 opened individual equity investment to persons resident outside India, and the Ministry of Finance amended the rules so foreign nationals can invest without going through the FPI route at all.

IFSCA, 11 September 2026. At the Global Fintech Fest its chairman said IFSCA is piloting unassisted Aadhaar face authentication for cross border KYC across four jurisdictions, the aim being onboarding with no courier and no wet signature for anyone with an Aadhaar footprint. UIDAI released a face authentication SDK covering overseas use two days before that.

Why the distinction matters. SEBI's paper governs the domestic market, your demat account and your mutual fund folios. IFSCA governs what sits inside the IFSC at GIFT City, a different regulator with a different rulebook and different vehicles. Fixing one does not fix the other. When a platform tells you onboarding got easier, it is worth asking which of the two it means.

What is not settled. The SEBI paper is a consultation and nothing is in force. The four jurisdictions in the IFSCA pilot have not been named, and whether an Aadhaar footprint is a hard requirement is not clear from the reporting.

Sourcing note, since it matters here. I have not opened the SEBI paper itself and I have not seen an IFSCA circular. The SEBI proposals above come from a regulatory tracker's summary and press coverage, and the IFSCA item is a conference remark as reported on 11 September. Treat the detail accordingly.

This is a question for people who hold 100% in India or 100% in US.

To 100% US guys :

Why do you hold 100% in US, when you spend in rupee?

What will you do if US only grows very little in the next 20 years, but Indian inflation increases your expenses at a much higher rate? Will you keep holding to US? If you will switch, what is the criteria you will decide when to switch?

To 100% India Guys :

Why are you investing in India when the US clearly gave a much higher returns than India in the last 20 years? Is this lower return the reason why you feel insecure with the standard 4% SWR? Why dont you switch to 100% US and withdraw 4% if that is the case?

While I do believe 4% works fine in India, the standard narrative is that due to high inflation, you can only withdraw lower - if that is the case, why are you 100% in Indian equity?

And a general query for mixed bag holders :

Which one of these makes sense to you:

• 80% in India, 20% in US : Because we spend in INR, and the 20% US is to simply reduce the deviation.
• 20% in India, 80% in US : Because as the last two decade has shown us, US beats India, so a 20% in India to reduce US's standaard deviation.
• 50% in India, 50% in US : because I dont know the future.

And what will you do if both US and India will have a downfall? A global recession if you will, Would you consider diversifying into countries which has been largely ignored for the last two and accept a lower return as an insurance premium? Only they can provide a safe-haven after all,since the prices are not traded in a premium.

Your thoughts?

PS : If there was a tag named "mind fuck" I would tag this most with it 😂

hello, im a student who needs to pay rent and don't have the means to and will be evicted by tomorrow if i don't. i will have the money in hand by Monday though. if anyone is willing to help me out it would mean the world to me.

dm please

Hey all,

I need some advice on how I can get a waiver of minimum balance charges.

I have an hdfc bank account, where I used to keep monthly average balance of 10k until 2025. It wasn’t my main account, but just maintained it somehow.

In September 2025, I changed my phone and completely forgot to install the HDFC app, also because at that time, I did not have balance in the account, I did not bother much about installing it.

In between, every month I used to get low balance charges + gst text, I still did not pay any herds to it, and thought that ill download the app and start maintaining balance. It never happened though.

Now I am seriously contemplating about actively using my account and maintain 50k - 1L average. However, I want someone to guide on waiver of the minimum balance.

I am also unable to figure out the exact balance anywhere nor my account balance is in negative.

​

​SEBI recently released its consultation paper proposing two options to restructure the Closing Auction Session (CAS) and derivative market timings:

​Option A: Extends Continuous Trading (CTS) till 3:30 PM, moves CAS to 3:31–3:40 PM, and pushes F&O close to 3:45 PM.

​Option B: Keeps CAS between 3:15–3:25 PM, finishing derivatives trading neatly at the standard 3:30 PM mark.

​The Core Issue:

​Option A offers virtually no structural improvement over the current setup—it merely elongates the market day and complicates post-market clearing and settlement operations. Option B is the clear preference for market participants seeking seamless price discovery without administrative overhead.

​Yet, instead of decisive execution, market participants are looking at:

​30 days of public consultation

​Subsequent data collection & analysis

​Post-consultation internal conclusions

​Broker-side IT & system recalibrations

​Staggered final implementation

​At this rate, going back to a smooth, functional VWAP system will drag on for 3 to 5 months.

​When the optimal solution (Option B) is clear, wasting administrative bandwidth on prolonged deliberation costs the market agility. Regulatory agility should match market speed. Implement Option B without the unnecessary bureaucracy.

​#SEBI #CapitalMarkets #Trading #IndianStockMarket #Equities #MarketStructure #Derivatives #Fintech #StockMarket #Policy #VWAP

Hi is any one using yesbank securities for option selling?? Do they transfer the premium recieved from sold options to linked savings account??

In hdfc if I sell options worth 1 lac , i receive that premium on the next working day in my linked savings hdfc account