In medical emergencies, prioritize liquidity and safety. Invest in liquid funds (debt mutual funds with very short maturity) or ultra-short-term debt funds. These funds are with minimal risk and important for urgent healthcare needs.

Maintain a separate medical emergency fund at a bank that offers convenient withdrawals.

Zerodha is one of the most transparent brokers I have seen till now. They do mention the payment gateway charges. Dhan, Zerodha, and Groww offer zero brokerage on equity delivery. For intraday/F&O, it's typically ₹20 per executed order.

Zerodha has ₹300/year as a Demat AMC (Annual Maintenance Charge). Dhan and Groww don't have any Demat AMC. Account opening/maintenance fees differ for different platforms. Yes, there are some taxes like STT, GST, and stamp duty, which depend on the transaction.

For NPS retirement, invest in equity funds early for growth, then switch to debt funds in your late 40s for safety. PPF's 80C benefit is gone in the new tax regime. Your best option depends on your goals and risk appetite.

Diversifying your money is a good option, as it reduces the risk. So apart from mutual funds:

You can invest in Nippon India ETF Nifty BeES or ICICI Prudential Nifty Next 50 ETF. Sovereign Gold Bonds are again a good option. PPF or NPS are also long-term, tax-efficient saving options. Consider investing in real estate through REITs or InvITs.

If EPFO TDS is missing in 26AS/Form 16, raise a grievance on the EPFO portal using your UAN. Also, contact your employer or EPFO office to request they file a revised Form 24Q; they're responsible for correcting it.

It may be because of RBI's e-mandate framework. On the merchant's payment settings, re-register your card details, and registering a bank will send the OTP for mandate registration.

If you are still facing the issue, then have a word with the bank; they will solve your issue.

Yes, the Indian tax rules system applies to you. You are earning by selling the game item for USDT, which is considered a transfer of a virtual digital asset (VDA). So any profit from selling the games will be taxed. A 30% (crypto tax) tax is applied on capital gains a 1% TDS is applied under VDA rules.

NRIs can buy a property in India, and it's totally legal, but 12.5% TDS applies in that situation.  Get a TAN (Tax Deduction Account Number), which is mandatory. You can apply for TAN online through the NSDL website (Form 49B). All these procedures will take around 7-15 working days.

It's high due to rapid urban development, the Unit Area Value (UAV) system, and higher property values, especially in prime zones. All these factors contributed to increased property taxes. The BBMP municipal corporation frequently revises rates based on zones, usage, and property type, which ultimately increases the tax burden.

Yes, you can get a 0.4% return as well. The majority of customers receive their returns by carefully using their points to purchase particular goods or coupons, such as HDFC's "Gold Catalogue" for particular debit card types or their SmartBuy platform.

Check the SmartBuy portal and the perks of your HDFC debit card to obtain the best redemption possibilities.

The SBI Elite CC is too expensive for everyday or regular spending because it is designed for luxury lifestyles like lounge access and milestone awards, with an annual charge of ₹4,999 that is waived on ₹10L spent.

On the other hand, the Amazon Pay ICICI Card provides basic cashback, making it more cost-effective for everyday purchases.

To improve the credit score, try to repay all the dues on time and try to reduce the usage of credit cards. These are some important thing that you need to do.

Apart from this, negotiating debt settlements and disputing genuine errors, credit repair services can also help.

SBI SimplySAVE or Axis Kwik offer decent cashback via UPI. YES Bank FinBooster, Tata Neu Plus HDFC—they offer rewards on UPI transactions. Choose that card that offers direct cashback or has good rewards points.

Yes, it's a very common issue; even I faced their card payment failures and slow services issue. I raised the complaints multiple times, but nothing worked in my favor, and then I filed a complaint with the RBI Banking Ombudsman. It's free and effective and will resolve your issue within 2 months. Till then you can either use other payment methods for your transactions or simply switch the bank (I personally used this option).

If you can't switch the card, then use this card for your domestic use and apply for another card from another bank that offers better forex rates and travel benefits for your international trips. 
AU Banks have given you the facility of "SwipeUp" for upgrading cards, even from other banks. Niyo Global, Axis Bank Atlas, or certain HDFC/SBI premium cards are very good alternatives for you.

You can do that. The Central Recordkeeping Agency (CRA), which is in charge of NPS accounts, requires that you submit your most recent bank information (NSDL or KFintech).

In order to modify the documents online, first log in to the site, then navigate to "Update Bank Details." Upload the bank proof, then you can download and submit "Form S2" physically to your POP (Point of Presence), like ICICI or SBI.

For any online business, a GST number is mandatory regardless of your turnover. If you have a GST number, then you can easily trade across states, enhance business credibility and compliance, and claim input tax credit on purchases.

The gold and silver market is very volatile, so diversifying bonds is a very good idea for risk reduction, but over-diversifying can reduce fixed income stability and will increase complexity. Before investing, keep these things in mind:

Bonds offer a fixed interest rate, but gold and silver won't (unless you invest in SGBs).

Gold is still a safe option, but silver's price fluctuates a lot because of industrial demands. This all will create more price fluctuations in your overall portfolio.

When you sell gold and silver, there is a capital gains tax, which is different from the bond taxation system.

If your primary goal is stability and income, then you should rethink investing this much in gold and silver. I suggest you invest in Sovereign Gold Bonds (SGBs) as they are more tax-efficient.

For parents, the reliable travel insurance options are Tata AIG, Niva Bupa Travel Assure, and Care Health Insurance. All these plans have decent coverage and have smooth claim processes.

Any kind of update to your Aadhar Card will definitely impact your mutual funds. Your KYC (Know Your Customer) details linked to your PAN and Aadhaar must match precisely.

So if you are going to update any details in your Aadhar Card, then update your KYC, then notify Groww ASAP so that you avoid withdrawal or verification issues.