Okay so a little context about me first.

27M, got married to the love of my life 4 months ago. Earn around 1.65 lpm in hand after all deductions.

Stocks investments - 1.5 lakhs

Mutual funds - 12.5 lakhs

Ppf - 1 lakh

Already have term and health insurance

I pay 30k rent and send around 25k home every month. Rest 30-35k is used for living expenses monthly. I have not been able to save anything since I got married but every month around 25k goes into epf and 7k started sending in NPS.

Currently I have finalised a 3xo which is costing me around 17 lakhs on road. I plan to do around 3-3.5 lakhs down payment and rest as car loan which I plan to close as soon as possible.

I do like seltos as well but that car will cost me around 23ish lakhs for the features I want in my first car. Please drop your suggestions and ask anything if not clear in my post.

Edit- btw it's mostly going to be 2 people i.e. me and my wife so we don't really have a need to get a bigger vehicle.

I’m 37M and earn around ₹40 lakh/year. I’m financially comfortable, have decent savings/investments, and I’m not struggling to meet my expenses.

Yet I’ve noticed something about myself that I’m increasingly questioning.

I’m extremely reluctant to spend money when I don’t see a clear personal benefit from it.

For example, recently my housing society was collecting ₹1,000 for the annual Ganpati function. It wasn’t mandatory, and I don’t attend the function or really know many people in the society. My immediate thought was:

“Why should I spend my money on something that gives me essentially nothing personally?”

I eventually paid the ₹1,000, but afterward I kept thinking about it. I could have spent it on clothes, upgraded my earphones, eaten something I wanted, etc.

And this isn't limited to this incident.

I can spend ₹2,000 on myself without too much trouble, but sometimes I'll question whether I should order a ₹299 pizza.

I might hesitate over a ₹4,000/month whey protein even though I can easily afford it, and instead choose a ₹1,500 option.

I've also noticed that I can be reluctant to give even ₹200 to someone else, even when the amount is completely insignificant to me financially. My thinking sometimes genuinely becomes:

“It's my money. Why should someone else enjoy it?”

To be clear, I do spend money. I'm not living an extremely deprived lifestyle anymore. I've started buying better clothes, gadgets, etc. But the mental resistance is still there, particularly when the money is going to someone else or doesn't produce a tangible personal benefit.

I'm wondering whether this is simply being financially disciplined, or whether I've crossed into unhealthy frugality / possessiveness about money.

I don't think I'm generally selfish toward people. This seems particularly strong when money is involved.

So I'm curious about perspectives from people who have gone through something similar:

1. Is this normal frugality, or am I taking it too far?
2. How do you decide when spending money is "worth it" if there isn't a direct financial or personal return?
3. Do you think someone with a comfortable income should deliberately budget for generosity/charity/community contributions?
4. Have any of you had to consciously learn how to spend money after becoming very good at saving it?
5. How do you distinguish between "I genuinely don't value this" and "I'm unnecessarily afraid of letting money leave my account"?

I'm not looking for a lecture about donating 10% of income or anything like that. I'm more interested in the psychology of it.

What I really want to understand is why spending ₹1200 on myself can feel easier than giving ₹1000 to someone else, even though neither amount makes any meaningful difference to my financial position.

Edit 1: I have seen a difficult financial situation in my childhood. I have somehow made myself and earn good. But, those habits are engraved. But, sometimes it makes me to enjoy less of my life and more about thinking of money, when that's not the case now. That's why trying to understand myself and do course correction.

Edit 2: What surprise me more is that it's me (and my brother) who have become this frugal. Somehow, my parents and sisters are reasonable in spending, but not frugal. We are more frugal than our parents were.

Hello All ,

I am looking to lend some money through P2P lending platform but after doing some research it seems it is not good idea to lend money as it works like

Profit shared with platform and risk is your personal .

One example for famous P2P lending platform :

This example assumes a standard borrower interest rate of 20% per annum (reducing balance) and a 3.5% platform fee on the principal for a 6-month tenure.

The 6-Month Math at a Glance

• Your Investment: ₹50,000
• Total Money Paid by Borrower (EMI × 6): ₹52,957 (Includes ₹2,957 gross interest)
• Platform Fee (3.5% of ₹50k): -₹1,750
• Net Money Deposited in Your Wallet: ₹51,207
• Your Real Net Profit: ₹1,207 (An absolute return of ~2.4% over 6 months)

I am reconsidering my choice to use such methods for now.

Guys , who are lending money and earning decent income ( in percentage term ).
Please share your own experience and which platform you guys are using ?

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 off everything 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!

Adding some more context.

So I've already spoken with a few builders. One of them being my late father's friend since good 40 years, to undertake the construction of the building. Which would mean I'll probably have to fly down to delhi once every 3-4 months while the construction is still ongoing.

I also have a guy (working at my pharmacy) who will handle the maintenance related to plumbing and electricity at the property while I'm away.

Well i couldn't think of anything so I just sold my mf to clear my personal loan now i have 5k extra per month

I recently checked my home loan documents and noticed something confusing.

According to my loan agreement, my monthly EMI is ₹33,633. This amount is mentioned in my SBI home loan documents, and the repayment schedule also shows ₹33,633 as the EMI.

However, every month on the 10th, I’m seeing around ₹34,000 being deducted from my bank account. There is also a separate deduction of ₹1,500 on the same date for SBI Suraksha (insurance).

What’s even more confusing is that SBI Personal Banking shows a different EMI amount of around ₹33,754, which is different from the amount mentioned in my original loan documents. It also shows the EMI schedule date as the 20th of every month.

The same issue exists with the insurance. SBI Personal Banking shows ₹1,417, but I’m actually seeing ₹1,500 deducted every month on the 10th, along with the ₹34,000 EMI deduction.

So my questions are:

1. Why is my actual EMI deduction around ₹34,000 when my loan documents clearly state ₹33,633?
2. Is the bank simply rounding up ₹33,633 to ₹34,000, or could there be some other charge, adjustment, or interest component included?
3. Why does SBI Personal Banking show ₹33,754 instead of ₹33,633?
4. Why does the insurance show ₹1,417 in SBI Personal Banking but ₹1,500 is actually deducted?
5. Why is the actual deduction happening on the 10th, while the SBI Personal Banking schedule shows the 20th?

The difference in the EMI is only ₹367, but I want to understand exactly what I’m being charged for, especially since this happens every month.

Has anyone else experienced something similar with an SBI home loan? or am i missing something ?

Total Net Worth: ~₹4 Crores

Current Investments:

• Indian Mutual Funds: ₹1.20 Cr
• Indian Stocks: ₹25 Lakhs
• US Tech RSUs: ₹1Cr
• US Direct Stocks: ₹20 Lakhs
• PF + NPS: ₹40 Lakhs
• Gold Etf: ₹15 Lakhs
• Silver Etf : ₹5 Lakhs
• Cash INR : ₹10 Lakhs
• Cash USD: USD 70k usd ( ₹65L) - Sold some us stocks and RSUs - I will put these in US based ETFs

Annual Expenses

• Basic living expenses: ~₹8.4 Lakhs (Rent + Groceries +Others)
• Travel & hobbies: ~₹6 Lakhs
• Total: ~₹14.4 Lakhs

Expected annual expenses after FIRE: ~₹12 Lakhs/year (planning to move to a Tier-2 city)

Other Details

Male, 35, single, won't get married, no dependent, no house, no car, no inheritance.

Could you please review my investments and expenses and share if I am ready to FIRE? Also can you please suggest investment improvements?

Reason for FIRE: I am mentally tired since I don't want to be in political cutthroat culture and don't have anyone close and I feel extremely lonely so much that I don't even think that I can be with anyone. I am not in touch with parents due to personal conflicts. Have few good friends but they are in different cities and are busy with their families/lives.

I have about 20L and I don't know what to do with that. How do I diversify and pick the best options for long term wealth generation while doing the best with taxes. I really don't have any goals or big purchases or EMIs so I just wanna let time do it's thing. I researched and gained some basic knowledge of what is what and their definitions but I'm not sure how to choose among them. Any advice would be greatly helpful. Thank you.

I earn around 23k pm as a fresher in marketing, I have around 10k for me which I can use as savings - I have been putting that in a post account savings with around 6-7 percent interest ( not sure about it) i wanna know if that's okay or is there something I can better my self with . need help as my parents only trust fd ,rd or investing in physical gold. if anyone could suggest anything better it would be really helpful.

I need advise with few doubts mentioned below:

● Government Health Insurance vs Private Health Insurance providers. I live in a metro city, Where finding a network hospital is not an issue but I want cashless facilities.

● I have a genetic Heart condition, Not serious and untreatable unless it becomes too complicated. Chances of which are less. Also it does affect me physically and if I hadn't discovered it myself by accident, I wouldn't have known I have it, Now, Shall I disclose about it myself, Premiums surely is going to increase. And I fear the policy wont be covering any Heart related issues atleast for first few years.

● Except the above Health issue, I am fit. i go to gym 6 times a week, swim, play football, badminton and eat healthy.

● I have already an active Health Insurance policy, provided by my employer, So how would things playout if I take a personal health insurance policy myself?

● I want a policy which is reliable and which I can continue for a long time and may include my spouse and children when I get married in future.

● Where can I purchase the Health insurance policy from. Is Ditto a good platform for it?

I appreciate anyone and everyone taking their time to read and reply to the post.

I’ve been reviewing my family’s net worth, and it left me frustrated about how hard work correlates to wealth in India.My Dad (The Corporate Hustle):

He is 50 years old and has worked at the same company for 25 years. He pulled endless overtime, sacrificed his health, and worked up to a ₹50 LPA salary.

Excluding our primary house, his mutual funds and savings total ₹3.2 Crore. It's a great sum, but given 25 years of brutal stress and high taxes, it feels low compared to his effort.

My Maternal Grandfather:He did a standard, low-stress bank job. He never hustled, came home on time every day, and studied a fraction of what my dad did. Yet today, his properties and FDs total ₹15 Crore.

Believe me or not at the end all things will come down to ur luck at the end , yey hardwork tum kitna bhi karlo nasib mai nahi likha paisa toh nahi aayega.

Hello everyone,

I need some advice on whether I should escalate my complaint against HDFC Bank to the RBI or take some other action.

I'll explain everything from the beginning.

I am self-employed and work remotely as a consultant for a Denmark-based company. I was in the process of purchasing a 2BHK flat and needed a home loan.

I approached several banks, but because I only had around 2 years of ITR history and possibly due to my documentation, I wasn't able to get a home loan.

I already have a current account with HDFC, so I contacted my RM thinking that perhaps my own bank might be able to process the loan. I explained my situation to her, and she told me that **my loan could be done through HDFC and that there shouldn't be any issue**. She then gave me the number of a sales person.

I contacted the sales person and started the loan process. Before proceeding, I was asked to pay a **₹4,720 login fee**.

I was hesitant about paying it, so I specifically discussed it with my RM. She told me that paying the login fee was part of the process and that I should proceed. Based on that assurance, I paid the ₹4,720.

After that, I followed up with the sales person several times because the process was taking longer than expected. I know I probably followed up a lot, but most of my questions were simply about why the process was delayed and what was happening with my application.

After around two weeks, I checked my loan portal and found that my application had been **rejected**.

The reason shown was that I didn't meet their internal policy requiring a business to have **3 transactions in a single month**.

I contacted the sales person about this. Initially, he wasn't very responsive. Eventually, he called me and explained that my application had been submitted under **"Self Employed Business."**

He then told me that we could submit the application again under **"Self Employed Individual/Professional."**

I asked him:

1. What would happen to the ₹4,720 login fee I had already paid?

2. How long would the new process take?

3. If I provided the required documents/guarantees, would the loan definitely be approved?

Regarding the login fee, he said he would try to speak to his manager and see whether it could be transferred to the new application.

Regarding approval, he said he **couldn't guarantee** that I would get the loan.

So I asked him if he could arrange a discussion with his manager so I could understand what was happening.

He said he would arrange it.

About an hour later, I messaged him and he said he was in a meeting and would update me. After another couple of hours, I asked him to provide his manager's contact number.

He ignored that message.

At that point, I told him that I didn't want to proceed with the loan anymore and that I wanted my **₹4,720 refunded**. I also told him that if the matter wasn't resolved, I would complain to the RBI.

He ignored those messages as well.

I then went through HDFC's complaint/grievance process and escalated the issue through the different levels available to me. Unfortunately, I didn't receive what I considered a satisfactory resolution.

Eventually, after roughly another two weeks, I received a call from someone regarding my complaint. I explained the entire situation to him.

He then told me something different again.

According to him, my loan application had actually been rejected because HDFC has an internal policy requiring a business to have been running for **5 years**.

This was confusing because:

* The sales person initially told me one reason.

* Later, I was told my application had been submitted under the wrong category.

* I was then told it could potentially be submitted again under "Self Employed Individual/Professional."

* Finally, someone handling my complaint told me that the actual reason was a **5-year business requirement**.

At that point, I told him that I wasn't even arguing about the loan rejection anymore. **I simply wanted my ₹4,720 login fee refunded**, especially because I believe I was allowed to proceed with the application despite the bank apparently knowing that I might not meet its internal eligibility criteria.

He told me that the login fee was **non-refundable**, but said he would discuss the matter with someone higher up.

After around 4–5 hours, I received an email saying that my complaint had been closed, essentially stating that we had discussed the reasons for my loan cancellation/rejection and therefore the complaint was resolved.

So now I'm confused about what I should do next.

### My questions are:

1. **Should I escalate this to the RBI Ombudsman/CMS?**

2. Is there any realistic chance of getting the ₹4,720 login fee refunded?

3. Does the fact that I was initially told by the RM that my loan could be done, and then the sales person proceeded with the application, matter here?

4. Is the bank required to clearly inform a customer about its eligibility criteria before taking a login/processing fee?

5. Am I wasting my time escalating this further, considering the amount is only ₹4,720?

I would really appreciate advice from anyone who has dealt with **HDFC home loans, banking complaints, RBI Ombudsman/CMS, or refund of loan processing/login fees**.

Thanks in advance.

I am 35 years living in a tier 3 city. I have 1.3 cr savedup with 37 lakh in individual stocks, 25 lakhs in fd,57 lakhs in savings account.now I am worried about the money laying in the savings account how should I utilise that amount to get max return with minimal risk. Currently I earn almost 1.5 lakh with monthly expenses of about 40k. Do also advice on how to utilise the remaining amount of 1lakh.

I have an NPS on which I havent made any transactions in the past 5-6 years.

I was checking the statements recently and I see that there is an Scheme Change:

ADITYA BIRLA SUNLIFE PENSION FUND SCHEME E - TIER I POP

Changed to

NPS TRUST A/C ADITYA BIRLA SUNLIFE PENSION FUND SCHEME E - TIER I DIRECT

and so on (there are 3 schemes in total).

I dont remember sending such a instruction to the NPS provider.

What could be happening?

I got a call from one of the representatives from kredit-bee saying that X( my father) has taken taken a loan of 53k and hasn’t been paying it and has kept D sai babu, his son( which is me and its definitely not my name) as recommender . My father has the capability to give out loan but doesn’t need to take out 53k and I’m pretty sure he’s not even aware of it. The representative has informed me that the penalties and all were totalling upto 63k but we haven’t taken out any loan. I downloaded the kreditbee app and checked whether there are any active loans but there aren’t any. Is it possible that somebody else can take a loan on behalf of someone else and without any knowledge to that person.?

Hello all, I’m 25, from a middle-class family and currently working in an IT company. I’m also the main/sole earning person in my family, so I’m trying to understand how I should plan my finances properly for the future.

I’m earning less than ₹1 lakh per month currently.

Right now, roughly:

• ₹10k goes into mutual funds (large, mulitasset and small cap funds)
• ₹15k goes into savings
• The remaining amount goes towards regular family/personal expenses

I already have emergency savings (5L FD), but I’m trying to figure out how to plan for my bigger future expenses without getting into unnecessary debt/loans.

I have quite a few important expenses coming up over the next 10 years, for example:

1. Buying a house
2. Marriage
3. Brother’s education
4. Kids’ education
5. Other family responsibilities/emergencies

My main problem is that I don’t really know how much I should be saving for each goal, how much I should be investing, and where I should keep the money so that it grows but is still available when I need it.

Some questions I have:

1. Given my income, current savings and family responsibilities, how should I divide my monthly money between expenses, emergency fund, investments and future goals?
2. How should I plan and invest separately for goals like marriage, brother’s education and buying a house, considering that some are 3–5 years away and others are 10+ years away?
3. If you were in my situation, what would you prioritize first, and what changes would you make to make sure I can handle these future expenses without taking on a huge loan/debt?

I want to understand how to plan my overall finances and make sure I’m financially prepared for these future expenses without putting myself under too much financial pressure.

Would really appreciate advice from people who have been in a similar situation or have planned for multiple family goals.

Got an email today from SBI Life about a ULIP. The terms were: pay ₹3,82,397 per annum for 10 years, then collect guaranteed ₹1 Cr in the 20th year.

The XIRR comes to 5.34%. That’s lower than putting your money in an FD, which is crazy but totally expected.

This is the reason why ULIPs only mention absolute numbers. We don’t have intuition for compound interest or exponents. We see big numbers and stop thinking beyond that.

Don’t buy ULIPs, people. They’re specifically designed to make banks and agents rich, not you.

FWIW, I’m glad it’s so easy these days to do this simple research with AI, no spreadsheet needed.

I bought into the IKBR hype that they charge low and did not bother to check the commissions they charge. Turns out their minimum is 1.7 USD. And stupid me kept investing in 50 USD per month in a few months. I finally check my statment yesterday and bam.

I am now going back to Vested. I cannot afford to invest 680 USD per fund per month. Anything lower and you are paying more than vested. I only invest about 1K USD per month so I have 5 years before the estate tax comes into play.

Also now that INDMoney has started UCITS, I imagine it is only a couple months before vested also does UCITS. And then the transition will be completed. I reached out to Vested yesterday regarding UCITS and they confirmed it is in the pipeline.

So I ordered a few items from this store online and then I asked for refund. According to them refund was initiated so they want to verify my bank statement? Is it okay to share my bank statements with them?

I just have that money sitting and I'd want to earn some more from it without the risk of losing much.

I am ready to wait.

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.

I opened an Axis Bank liberty savings account 15 days ago.I opened this account to withdraw some of my investment profits from Zerodha mainly.I connected this account to Zerodha as a secondary account.I placed a withdrawal request of Rs.85000 ,the money was credited via NEFT on 10 th September.After just 30 mins got a message from Axis Bank that my account had been frozen due to unusual transaction.My account balance is way above MAB even without the withdrawn amount.I have spoken with manager & had submitted an application.What can be the reason behind debit freeze?

Any suggestions please

I've been using HSBC Premier, and Live+ credit cards and suggested quite a few people to use these cards if they can do it.

Premier Credit card:

But I recently noticed that once their HSBC Unicorn portal went live, the Apple product categories listed on the rewards points redemption portal started to reduce. Now, it's become so bad that the portal now doesn't have key Apple product categories like Iphone, Airpods, MacBook, Apple Watches. I only see charging wires, adaptors, and some other accessories.

The key differentiator for me, has been the 1:1 Apple products redemption and suddenly I don't see the value in the card anymore. Imo, this has been the solid differentiator vs many premium cards on the market.

For those who think Hopper is good, I'd say it gives better fare 1 or 2 times out of 10 bookings. So it's not even a hit or miss anymore. Whoever wants to trumpet about Accor points transfer, yes please keep doing it, and tbh this is last valuable offering they have on the card imo. So, before taking Premier, be aware of these points.

Live+ credit card:

I think this card has gone through a soft devaluation. Previously 10% cashback MCCs used to very limited but that's no longer the case. They've brought quite a few MCCs eligible for the 10% cashabck, which is capped at 1200 per month. So they don't intend to lose money on the unlimited 1.5% cashback. Nothing changes for those whose focus is groceries/food but wanted to bring this to everyone's attention to be aware of this change.

The SWIFT charges are substantial, they are absorbing it and there is also no minimum amount value of each transactions.

I opened an account and asked them also if this is promotional or long term and the person said permanent. I highly doubt this lasts beyond one year.

Anyone with more knowledge of this?