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.

NPS is good for long-term retirement plans as it offers market-linked returns and tax advantages, which makes it a more beneficial option than PPF or EPF as your income goes up.

If you exit NPS before the age of 60, it affects your money. In this situation, you can take out only 20% as cash, which is taxable, and the remaining 80% as annuitizing, which ultimately impacts your overall returns.

Life insurance is very common in India; overall, 30% of Indians have health insurance. In urban areas, it's approximately 78% of people, and in rural areas, it still lags with only 8-10% of coverage.

The penetration (ratio of life insurance premiums collected to the gross domestic product (GDP) of a country) is low, especially when compared to many developed countries. India ranks 25th in global insurance penetration, which is very low.

There is an insurance coverage initiative stated by the Government of India, which is called Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), in 2015, and more than 17 crore people have enrolled for this scheme.

As a long-term investment in gold, SGBs are very beneficial, as they offer a fixed interest rate of 2.5% annually, and tax-free capital gains are at maturity (after 8 years), which is anyway a better option than physical gold.

SGBAnalyzer's alerts are actually very useful for tracking discounts, premiums, price fluctuations, volatile market trends, and many more.

Even without regular income, buying anything with cryptocurrency is considered a taxable event. You have to pay 30% tax on any gains made from crypto transactions.

Yes, any missing or incorrect information can lead to policy denial or even cancellation. If the insurance agent omitted your medication, inform the company immediately and provide all accurate details in writing. Non-disclosure often results in claim denial.

Investing a huge amount of money in FDs is not a good move from an investment point of view, as it offers safety and guaranteed returns but fails to beat inflation (currently around 4–5%) and may increase your tax liability.

To beat the inflation, it's better to diversify your investment into mutual funds (tax efficient, best for long-term wealth), sovereign gold bonds (SGBs), real estate, or government bonds.

Regalia Forex Plus is ideal for frequent travelers, as it has 0% cross-country markup in USD, which makes it more versatile, and you can spend in AED in the UAE with no need to pay an extra fee beyond the initial USD load rate. The multicurrency Forex card is best for travelers going, and it allows loading multiple currencies (including AED).

So for your UAE trip, I suggest using the Multicurrency card loaded directly with AED might be more straightforward, as you'd lock in the AED rate.

When you use your car for personal purposes or for commuting to/from the office, you are not eligible for any kind of tax benefits.

However, salaried workers in India are eligible to claim tax benefits on a company-leased car, including EMIs and maintenance.