The maturity amount depends on the tenure. Longer tenures provide better interest rates; keep in mind that holding your money for a longer period lowers liquidity. Consult your bank to determine the exact maturity value based on the term you have selected.

If you have a consistent income, RD is the most suitable option for you. RD is a good option for beginners likeRD is an excellent choice for those who are just starting their savings journey, asOn the other hand, FD is a one-time deposit scheme that offers a high interest rate, but its flexibility is limited.

So for regular savings, choose RD if you want to start with a low amount, and FD you can choose for a higher interest rate.

There is 1% penalty on the applicable interest rate for early withdrawal of FD below ₹3 crore. Basically, the penalty amount depends on the deposit duration and withdrawal terms.

With the increase in the repo rate, there will eventually be an increase in T-bill yields. With this, investors get higher returns on investments. So its very important to consider the general economic situation and future interest rates in the coming years. The interest rate will continue to rise in the future. So locking in your investment is a good move.

Bitcoin is legal in India, but the government of India has yet to recognize it as an official payment method. The present law does not support their usage for daily transactions. More than as a payment option, people use Bitcoin for investment purposes. But it is uncertain whether the government will acknowledge bitcoin as a payment option in the future or not.

The bitcoin exchange is definitely going to face the challenges with the change in the legal framework. These platforms must navigate through stringent tax laws, safety regulations, and potential restrictions on the legality of their operations. The policies of the government and the clarity of laws will decide the fate of crypto in India.

The National Payments Corporation of India (NPCI) guards your data to be stolen as NPCI implements robust security standards to ensure the safety of digital transactions, by providing three-factor authentication, encrypted transactions, and access control, which makes it safe for use. So you can simply use the BHIM app to pay your bills.

A valid ID proof, such as an Aadhar card, and two passport-size photographs are required. Other than PNB, you can think about SBI or Axis Bank, as both banks provide extra advantages for the students, like low MAB requirements, free debit cards, access to internet banking, and many more.

There are some popular options like Zerodha and Upstox that have lower broker fees. There are some banks like ICICI or HDFC, also have facility of an integrated account but have higher charges. So research properly according to your investment goals and budget and then choose.

You need the following documents to apply for a Mudra Loan:

Identity Proof: Aadhar Card, PAN Card, or Driving License. Mudra Loan Application Form. Address Proof. Business proof includes a business license or tax registration. Your business plan. Your income proof. Bank Statements Passport-size photographs.

Apply for the loan again, preferably with a co-applicant who has a good credit score. To secure a loan, you can offer some kind of property or fixed deposits.

There are various government-run education loan schemes available for your consideration. Among other things, you might explore the Padho Pardesh Scheme, the Vidhya Lakshmi portal, and the CSIS system. These are government-managed projects. Review the qualifying requirements of every program and make appropriate decisions.

You need Identity Proof (Voter Id, Aadhar Card, PAN Card etc.), Address proof, Land Ownership proof, and financial records, such as credit reports or income statements. These are the documents you need to submit while applying for an agricultural loan. You have at least 5 acres of cultivation land and around ₹1.5 lakh of annual income for an agricultural loan.

If you are regularly flying through Air India, then this cost is justified, as it provides benefits to you like reward miles, discounts, lounge access, travel insurance, and many more. 
If you're interested in exploring more options, then Axis Bank Vistara and Citi PremierMiles cards offer flexible rewards with additional benefits like travel insurance, lounge access, offers on dining, shopping, and many more.

You can use CRED, Paytm, Amazon Pay, and PhonePe to pay for your credit card bills, and these provide good cashback rewards, discounts, and offers on various brands that you can use later.

Thanks for your reply. I recently updated my phone number with the bank, something I hadn't done before. Now it's working fine, and I got the OTP successfully.