Apart from Phone—Pay, Paytm, and Mobikwik are the apps that do not charge any fees for adding money to your Paytm wallet using a credit card.
Although Paytm and MobiKwik are generally known for not charging fees, it is always best to check the terms and conditions of any wallet, as charges may vary.

Your transaction may be declined because international or online transactions are disabled by default, the card type is unsupported, or there is an insufficient balance. Log in to your bank's app or net banking and enable online and international transactions in card settings.
If the issue persists, contact customer support or use an internationally accepted card.

Zerodha and Angel One provide level 2 data, scanning, and advanced charting for intraday trading. Brokerage services are available on all three platforms for a minimum of ₹20.

Margin requirements may vary. Zerodha's Kite is quite famous because of its stability and tools. Groww is simple but has fewer features. Angel One provides traders who are risk-averse with a higher level of leverage.

Yes, GPay automates monthly bills and subscriptions. Use "Bill Payments" to pay bills and manage subscriptions within linked apps. To cancel, stop automatic payments in GPay or the service app.

Bitcoin mining requires a specific ASIC hardware configuration, which makes it difficult owing to the high cost of electricity and initial setup expenses.
Cloud mining is still quite popular because it is inexpensive up front. Because of service fees, cloud mining frequently yields poorer returns.

You should consider factors such as an easy user interface, fees (brokerage, account maintenance), available assets (stocks, bonds, crypto), research tools (charts, analysis), security features, and customer support when selecting a trading app. These are some things that you need to keep in mind while choosing the trading app.

Zerodha is suitable for both new and experienced traders as it has low brokerage fees. If you are a beginner, consider using the Zerodha trading app due to its low brokerage fees.

For consistent income, REITs are a good option for rent and potential value increases. Direct investment in property requires active management.

There are some other options like the Senior Citizen Saving Scheme (SCSS), debt mutual funds, and RBI bonds. Investment in rental property is also a good option that provides you with steady income. Government schemes like fixed deposits and the Post Office Monthly Income Scheme will all provide fixed returns and also be risk-free.

Having multiple trading accounts has many benefits, like diversifying the risk factor, increasing the investments, strategy segregation, and many more, which increase the cost and complexity.

In India, there are some platforms like Zerodha and Groww, which are popular for providing more investment options.

But the ideal setup depends on your personal investment types and needs.

T-bills are government debt for under a year, sold cheaper than their value, with no regular interest. Long-term government bonds mature after a year and provide periodic interest payments. Typically, longer bonds offer higher returns due to increased risk over time.

Choosing between them depends on your needs. T-bills are safe for short-term savings. Long-term bonds suit those wanting regular income over a longer period while accepting more potential risk.

With a 3.61% inflation rate and 6.75% fixed deposit interest, it would be profitable for you.

Investing ₹166,000 at 6.75% for 5 years will yield ₹59,362.50 in interest, totaling ₹225,362.50. Whether the sum buys more depends on the average inflation over the next 5 years. If inflation averages higher than 3.14%, the purchasing power will be less.

Beyond crypto, blockchain technology has significant potential, like being used in supply chain businesses, the healthcare sector in drug supply chains, and the education sector.

Many start-ups in India are exploring this technology; maybe soon we will use it in different sectors. IIT Madras has already developed BlockTrack for healthcare data, which is an excellent initiative.

Pi Coin is mined through phones and used for easy digital transactions and smart contracts. Since its Open Mainnet launch in February, Pi Coin has not been officially available in India.
It is traded on many platforms like OKX, MEXC, and many more. Informal trading exists peer-to-peer, but always be careful.

Yes, you can get the insurance option for your Macbook from Apple as well as from a third-party insurance provider.
AppleCare+ extends your coverage to 3 years from your AppleCare+ purchase date with some terms and conditions.

Third-party insurers like Capital Gadget Secure, Bajaj Allianz, and others also provide laptop insurance covering various damages and theft.

Yes, you can convert your account. It offers high transaction limits, overdraft facilities, and many other benefits.

In the future, if you close your store, simply apply for the account closure process with the bank.

Of all the mentioned insurance companies, I would suggest Bajaj Allianz and ICICI Lombard, as they offer good hospital coverages in Australia. Compare their specific policy details and inclusions for the best fit.

For a student, here are some government-backed schemes suitable for you:

PPF is a secure and long-term investment scheme that gives you a 7.1% interest rate. You can start investing with ₹500 up to ₹1.5 lakh annually. It gives you tax benefits also.

RD is also another suitable option for savings; it gives you a 7-8% interest rate annually.

These schemes are extremely secure and provide returns in the end; there is no risk involved. But if you can handle some risk, then Mutual funds are also a suitable option. You will get good returns, but there is some risk factor involved.

Dkey offers you multi-factor authentication and encryption; it also protects your data from illegal access, which makes it a more secure and reliable vault for your digital assets.

The service period and withdrawal amount impact the tax rate on EPFO. If PAN is provided, then TDS is 10% on withdrawals that are made before 5 years and exceed ₹50,000; without PAN, it's 30%.

There will be no tax if the withdrawal is less than 50k or the service is 5+ years.

Monthly SIP is a suitable approach for small investments. For initial testing, choose the weekly or monthly investment to keep transaction costs low.

If you buy ETFs daily, then the transaction expenses will consist of different charges like exchange, brokerage fees (which vary depending on the trading platform you use), the Securities Transaction Tax (STT), stamp duty, and GST.

For quick and efficient demat transactions, you can explore brokers like Zerodha, Upstox, and Angel One or banking platforms such as HDFC and ICICI Direct.

You can expect fees for account maintenance (₹300-₹750 annually) and per-trade charges (₹20 or a percentage); discount brokers usually have lower costs.