If you earn less than ₹2.5 lakh under the old rules or ₹3 lakh with the new ones, you don't need to fill out complicated forms to avoid TDS. Just write a simple note to your boss stating your expected earnings. Many people confuse this with Form 15G or 15H, but those are only for interest or rent, not salary. If tax has already been deducted from your pay, don't worry. You can file your ITR to get that money back, which usually takes a couple of months to reach your bank account.

@Reema Foreign investment can be very helpful, but it does come with its fair share of risks. It makes you think about how well our regulations hold up when things get tough. Honestly, I'm not sure about this, but can our banks really handle a sudden crisis without everything falling apart?

You should definitely file a formal complaint through the Axis grievance portal first. By RBI rules, they actually have to get back to you within 10 working days. If they hesitate or don’t respond clearly, escalate the issue to the RBI’s CMS portal right away. It's complimentary and typically captures their attention quickly. Moving forward, look for banks that are transparent about their fees and don't bury 'surprise caps' in the fine print. You shouldn't have to hunt for the catch.

Don't worry, those shares aren't lost. Call or email HDFC's RTA with your folio number, and they can verify your information. You can check your consolidated statement (e-CAS) with your PAN to see if it's linked to your name. If you have physical certificates, submit a demat request (DRF) through your broker or bank to transfer them to your electronic portfolio.

This is pretty normal when you change jobs. Basically, both companies use that ₹2.5L exemption for your salary separately, which means they might not deduct enough tax from your total income for the year. First things first, check your Form 26AS to see what both employers reported. If something doesn’t look right, reach out to your old HR and ask them to fix it. You have 30 days to submit your documents online, so it's better to do it sooner to avoid any issues.

When you're picking a plan, stick with the big names like ACKO or Tata AIG. You want that 98%+ claim settlement ratio for peace of mind.

My advice is: read the 'exclusions' first. A lot of people get caught off guard because things like pre-existing issues or adventure sports aren't covered by default. Just make sure to keep digital copies of everything — bills, reports, and even a police FIR if something gets stolen. If you file within 30 days of getting back, the whole process is much smoother.

@SanyaSays It really depends on how often you dine at restaurants. Those dining cards are awesome if you hit the milestones, but otherwise, the fees can eat up your rewards pretty quickly.

You should check your average monthly spending first , if the perks outweigh the cost, go for it. If it’s a close call, a basic no-frills card might actually save you more in the long run.