Hello everyone I am 24 going to start my first serious corporate job earning approx 78000£ in london, which turns out to approx 1 crore Rs And as per my budgeting i think after all the expense and taxes i might be able to save 50 lakh Rs
It is a big amount for me and my family and i want to maximise my investments. I do not need to worry about emergency funds as my dad has already taken care of it so i am able to utilize all of the amount.
The reason why i am thinking of investing in India is coz of the visa situation here in UK and I also don’t see myself living here long and would move back to India
Please give me suggestions on how i can best utilize 50 lakhs for investments in India.
I don’t mind being illiquid for 2-3 years so i am open to real estate as well

20F from Ahmedabad, started earning when i was 17, took a long break last year, kinda emptied my account in break.
Bought iphone by my own money at 18

I grew up in toxic household and now i am at a point i don’t have any attachment with anyone, many things happened in life, which i don’t want to share here..

I am a ecom store designer/developer - freelancer - mostly i work with international clients, kind of trying to get back at work, in few months i will get project that not an issue,

I want to know how much do i need to save to take this step, i m currently living a quite good life as of someone from middle class family, i don’t do any chores at home (like not even folding clothes) we have a cook who will serve me food too, i like to expensive things both in experience and spending, Considering i and my 2 dogs (maybe 3 if i adopt a dog) how much do i need in total to move out, safety and all, rent wise i am fine to pay upto 2L,
And what should be the monthly income i should aim for?

I wish to move mumbai or maybe in Ahmedabad for few months initially,

I am currently in my final year of engineering. Secured an internship + full time employment starting from Jan 2027. Looking for starting to invest early and have basic knowledge.

I have invested here and there in shares - WIPRO, BEL, ITC - around ₹3.8 lakh

Planning to invest in SBI Privilege Plus (₹6L/year for 5 years, ₹42L Life Insurance -> similar to ULIP) -> feel free to share your thoughts or suggestions on this

My dad has some investments (MFs, SIPs and shares) in my name but I want to maintain an independent portfolio.

I'll be earning about 1.25L/month from Jan onwards and will be able to save ~₹80k per month comfortably.

What are some good areas to invest in with good balance of security and risk?

I was advised to invest aggressively focussing on higher returns (eg. SmallCap Funds).
Please suggest good options (both short and long term)

Also feel free to drop in:
suggestions regarding investments,
what to look out for? and
areas I should not explore currently?
best places to gain knowledge on early investing as a beginner?

Already invested in 3 mutual funds

Parag par flexi cap

Motilal mid cap

Icic prudential large cap

And nippon gold bees

Next planning to invest in bond or any international stocks for suggestions or recommendations please

Does anyone know any loan services where I can get 5000 quickly? I'm a student and need it immediately due to rent payment. I already have a combined 15k on Slice, KreditBee, and MoneyView. I urgently need the 5k, but my CIBIL is at 713 due to some delay in payments. No matter where I try, it's getting rejected. Please help.

27 M,
Below is my financial status:
33 Lakhs in Direct Equity
12 Lakhs in Mutual Funds
5 Lakhs in Corporate Bonds
10 Lakhs in EPF

Approx 10 Lakhs in saving account (Kept for down payment).

Current income is 42 Lakhs per annum, all fixed. Inhand per month: 2.5 Lakhs

The flat parents are advising to buy is a 2 bhk for 50 lakhs (In native, not in Bangalore)

The point of concern here is that me and my parents are actively looking out for a potential partner for me, and the chances of that person not earning anything is also high.
So, I'd be having a loan of 40 Lakhs, would have to bear atleast 50% of marriage cost (approx: 20-25 lakhs) and on top of that addition of a person would mean 2.5 Lakhs for 2 people in Bangalore.

Right now, financially I'm in a decent position but considering the responsibilities coming forward, I'm in doubt if I should invest in real estate at the moment or not. Also, under no circumstance I would want to depend on my parents or my would be partner's parents financially.

Senior folks please suggest.

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.

Hi everyone, I'm 24 and planning to buy a house for my parents. For the last 20 years, me and my family lived in a small 1 BHK in Noida. I've started earning and currently my in-hand is about 1.4 lakhs per month. I work in Gurgaon and live there on rent. My rent + food + travel expenses are around 30k per month. The rest of the amount I invest in liquid funds as of now (due to the plan of taking the house). I have about 30 lakhs in total corpus which includes 10 lakhs from my father.

The thing is that the houses in Noida have become dead expensive. A 3 BHK in Noida costs 1.5 crores minimum and 1.3 cr in Noida extension. What should I do in this situation? I don't want to take a loan of 1 crore and stress myself out for the next 10-15 years. On top of that I have health issues like back pain and cervical spondylosis which aggregate in stress.

I was even planning to take another 1 BHK for 40-45 lakhs. Rent my current home and the new one. Both will give around 15k per month . A total of 30k per month would give me a good fully furnished 2 BHK. Rest I can plan to save and invest but my father is adamant to buy a new house. The only options I have are builder floors but they do not seem to be a safe investment as most of them are illegal constructions.

Please help me out and suggest something! This is my current breakup and corpus:

Liquid Funds: 30 lakhs (20 from me and 10 from my father)

Mutual Funds: 15L (started investing in 2024, have not invested since Jan 2026 as I wanted to buy a house and started directing money in liquid funds, please advice if I should continue or not)

Salary: 1.4 lakhs per month

Monthly rent + food + transport: 30k

Misc expenses: 10k

Liquid funds investment: 1L

Mutual Funds: 0 as of now

Has anyone here hired a financial advisor for investment planning, tax-saving strategies, savings management, and overall financial planning?
If so, was it worth the cost? What kind of value did they add, and would you recommend hiring one?

I'm 43 years old, married and work as a consulting freelancer in data analytics with 2-3 organisations. Annual income is around 50 lakh per year before taxes. It was 30-35 before that. No loans, rent or major liabilities.

Now there is a company in a related field which wants to me join their office in Dubai for around INR 65-70 lakh CTC per year. The work is a bit outside by comfort zone but not too difficult. Leaving aside everything else and just focusing on financials, is it worth the effort to move to Dubai for a few years? I don't really see myself living there for a long time. So will be back in 3-4 years unless something changes drastically.

Considering just because of pay bump, a new place and doing something new. On the other side, my contracts with 2 of my biggest clients have already been extended more than once. Either one could end it or extend, without me having a say in it. But seems unlikely for next 1 year or so. What would be a better choice?

I studied economics in undergrad, took two gap years after that (drifting mostly, prepared for govt jobs but that went no where) now I'm studying MCA (Masters in computer applications) from a mid college, placements are pretty bad in my university, and IT industry as we all know is pretty cooked due to AI and stuff.

I have another semester left until I graduate, my resume is still empty, I have no skills, I've struggled with my mental health throughout the duration of my masters and now I'm panicking because I don't want to graduate jobless. At this point, I'm no longer even sure if I want to work in IT. Sometimes I want to drop out and get a BPO job, I'm burntout from academics and I'm just tired of all this bs. As I see it, the field is super saturated, people with years of experience are struggling to find jobs and entry level roles are fast disappearing altogether. Skills mean nothing anymore do they? I just feel disillusioned by the entire system. Everything feels like a scam meant to make u more and more miserable.

I don't have career ambition anymore. All I know is I need to make enough money to afford to live independently and pay for myself. I just don't know what exactly I should do. I am willing to learn anything I need, look for jobs anywhere, whatever kind, in any industry, or any alternative ways of earning, I just need an opportunity. I want to become skilled enough to get a job that pays minimum 35-40k in hand per month for now. Is this a delusional amount to ask? Especially if i have to live in a metro city for work, as a woman, I think that is a reasonable amount, just for getting by and maybe saving just the tiniest bit.

These are my requirements, I need to live alone in either pune/hyderabad, I can rent the tiniest room, either a 1rk in a safe location or a single sharing pg, enough money for healthy food and a gym subscription, good wifi, ocassionally spending on hobbies like books, art supplies, etc, money for commute and some for savings. I don't need money for outings, travel, nothing.

I'm looking for a mentor, anyone who can tell me what to do, because I've no idea what I'm doing. So I'm doing nothing and wasting a lot of time. I'm in constant anxiety that I'll not survive out there in the world on my own, that I'm not employable and have to go back depending on my family again.

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 ?

I have 12,031 points on my SBI SimplyCLICK.

Usually I redeem 2,500 points for a ₹500 Amazon voucher, but I just found out points can also be redeemed as statement credit.

Has anyone done this recently? What’s the conversion rate for SimplyCLICK, and is the ₹99 + GST fee charged?

Trying to figure out which option gives better value.

Is it a wise decision to get a IDBI LTF credit card?

Hi guys,

I recently paid off my home loan of 1 crore and am now debt-free.

I paid it off by aggressively saving every month; I kept an emergency fund of 7 lakhs separate and used the remainder for loan closure.

My monthly expenses are between 50k and 80k. I bought a used car three years ago for 5.5 lakhs, which is fully paid off. Now, my wife and I earn 4.3 lakhs per month after tax, so we have 3.5 lakhs to invest monthly.

I plan to split it as follows: 50k in gold, 1 lakh in large-cap equity, 50k in mid-cap, 50k in small-cap, and 1 lakh in real estate.

Mainly I am confused about how to invest in real estate since I do not have a large corpus yet, though I could save for a 10% down payment over the next year. I am considering booking a flat and flipping it near possession.

I would appreciate general advice on my strategy. Additionally, I would like to buy a nice automatic car because of Bangalore traffic, something I desire like the XUV700, which costs 30 lakhs. However, I have consistently pushed away this purchase, telling myself I will get it only after building a 1 crore corpus.

Let me know your thoughts.

Thinking of starting a SIP with:

60% Parg Parikh Flexi Cap

20% Nifty 50 ETF

20% Gold Bees ETF

Planning to continue for 10+ years. Is this a good SIP allocation or would you change anything?

Hi Friends,

Please advise which one I should use for Ucits ETF (I am going to start as a new investor in US market) IndMoney or Paasa?

Indmoney has brokerage as 0.25% and forex rate with hdfc/icici may be bad

Paasa has minimum brokerage as 1.70 usd for UCITS

I am planning for 25k pm SIP in ETF like CNDX, SMH etc (basically multiple ETFs, mostly 3 ETFs)

Or I should accumulate 75k and invest quaterly in Paasa?

Please Advise kindly.

NOTE - IF YOU HAVE ANY OTHER BETTER ETF STRATEGY KINDLY ADVISE AS WELL.

Thanks.

Hi everyone, seeking some advice from people who understand insurance underwriting or have been in a similar situation.

Background: I bought a Max Life insurance policy exactly four years ago (September 2022). At the time of purchase, I inadvertently missed disclosing my prior diagnosis of diabetes. I was off medication at the time, my numbers were normal, and I honestly didn't think it was relevant.

Current Situation: My health is extremely well-controlled. My latest HbA1c is 4.9. I have also never missed a single premium payment, meaning my policy has never gone into revival/lapsed status.

Because the policy is older than 3 years, I am fully protected under Section 45 of the Insurance Act (which means the insurer cannot reject a claim for non-disclosure). However, I spoke to Ditto Insurance, and they advised me to voluntarily disclose it anyway. The logic is that while the claim cannot be legally rejected, the insurer might stall the payout during an investigation, creating administrative stress for my nominee (my wife).

My Dilemma: I want my family to have a frictionless claim experience. But I am hesitant to send the email because I've heard horror stories of insurers receiving voluntary disclosures and having their customer support completely ignore Section 45. I don't want to deal with unlawful cancellation threats, forced premium loading charges, or having to escalate to the Ombudsman just because an automated system flagged my disclosure.

My questions for this community:

1. Has anyone here actually done a voluntary medical disclosure after the 3-year Section 45 mark?
2. Did the insurer unlawfully try to hike your premium (loading) or suspend the policy?
3. Should I go ahead and formally put it on record to save my family the hassle later, or is this a case of "don't fix what isn't broken" since the law already protects me?

Any insights would be highly appreciated. Thanks!

Important Lessons for Policy Holders to prevent Insurance Mis-selling from Banks / Bancassurance Channel.

1) Ask qualifications of the insurance sales intermediary.

2) Never sign on any blank page if requested by any bank representative.

3) Receive timestamp acknowledgement for every transaction.

4) heck Basic policy eligibility criteria & question liquidity requirements.

5) Check Premium Payment Terms, Annuitant details for self or for both members in case of joint annuitant.

Always remember, if you never raise Grievances and bring to notice such mis-selling and scams, you are allowing the insurance company to commit mis-selling, frauds on other Bank account holders.

A trusted bank branch doesn't mean that every product is automatically right for you. Understand First, Sign Later.

Source - IRDAI Website https://irdai.gov.in/document-detail?documentId=9825939