You can take a loan from both public sector banks as well as private sector banks, which provide the best interest rates on home loans.

Public sector banks like State Bank of India (SBI) and Bank of Baroda (BoB) are known for their competitive interest rates and stability. State Bank of India (8.50% to 9.65% per annum) and Bank of Baroda (8.50% to 9.20%) are the best options.

Private sector banks such as HDFC Bank and Axis Bank often provide attractive interest rates and expedited processing. HDFC Bank (8.55% to 9.50%) and Axis Bank (8.60% and 9.60%).

All these banks offer good, competitive interest rates and have some processing fees. To get the special interest rate offers, your CIBIL score should be 750 points or more.

As an NRI, you can not open a new PPF account. But if you had already opened your PPF account when you were an Indian resident, you can continue investing in it until its maturity. You can deposit up to ₹1.5 lakh per year, and withdrawals are allowed as per PPF rules.
And once your PPF account completes 15 years, you cannot extend it further. Extensions beyond 15 years are not allowed for NRIs.

SEBI is the government's way of keeping mutual funds in check. They make sure things are done honestly and prevent scams by creating rules for how funds work. To keep your money safe, they require it to be held separately, so if a brokerage fails, you're covered.

SEBI also closely monitors everything to ensure you get accurate information and that funds are managed well, protecting you from platform issues.

If you're new to investing and don't know much about money things, a SIP is a really easy way to get going. In India, you can begin with just ₹500 a month. It's like putting a little bit of money aside regularly, making it super simple to save.

For a safe start, try Large-cap mutual funds. These funds put your money into big, reliable companies, making them less bumpy than investing in smaller ones.

Some good choices are the SBI Bluechip Fund, Nippon India Large Cap Fund (Direct Plan), and Parag Parikh Flexi Cap Fund (Direct Plan). While the Quant Small Cap Fund (Direct Plan) can grow faster, it's also riskier. These funds aim for consistent, steady growth.

Both, investment and trading can be profitable, but they serve different goals, purposes, and risk levels. Investing focuses on long-term wealth creation through assets like stocks, mutual funds, and real estate, benefiting from compounding and lower taxes. Trading, on the other hand, involves short-term buying and selling of stocks, options, or forex to capitalize on market fluctuations, offering quick profits but with higher risk and stress. Trading can generate short-term profits, but it is riskier and not ideal for long-term goals unless you are highly skilled.

So, if you want investment in long-term wealth creation with high returns, investing in fundamentally strong stocks, index funds, and mutual funds is more profitable.

If this thing happens to you, then immediately file a written complaint with the bank and ask them to freeze your bank so that more transactions will not happen. File an online complaint with the Banking Ombudsman under the RBI’s Integrated Ombudsman Scheme. Report the fraud immediately to the nearest police station and file an FIR.

Yes, your father can still have health insurance. Most policies require a waiting period of 2-4 years for pre-existing conditions. In this waiting period, the claims may not be recovered.
Look into specialized plans like the Care Freedom Plan, Star Health’s Diabetes Safe, and Activ Health Platinum, which could offer immediate or partial coverage for your father even with a pre-existing health condition. 
You can explore Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) as well. Thoroughly compare these options to select the most suitable plan.

The Indian crypto market features many trading platforms, but their fee structures differ significantly, including charges for deposits, withdrawals, and trading.

If you're looking for budget-friendly options, consider WazirX, CoinDCX, and ZebPay, which are recognized for their minimal transaction fees.

Yes, donations to registered NGOs or orphanages in India can provide tax benefits under Section 80G of the Income Tax Act. But the income tax act gives different deductions. Some donations can be deducted in full, while others allow a 50% deduction.

There are some criteria set by banks, that you need to fulfill before applying for a home loan:

Good credit score more than 750. Regular income proof (salary slips, ITR). Age criteria, which is 21-65 years. Your Debt-to-Income Ratio should not exceed 40-50% (including the new loan EMI). Clear legal property documents are essential.

These are the documents that you need to provide to the bank while applying for a loan. Different banks may ask for more proof, but these are the main documents that are essential.

There are so many brokerage firms available in India. Zerodha, Groww, Upstox, and ICICI Direct are some examples. For mutual fund investments, prioritize firms with user-friendly platforms, low or no commission, extensive fund options, and strong customer support. Compare features, fees, and reviews to find the best fit.

That 70% premium jump is a major concern. Don't rush. Explore alternative term life insurance quotes. Match coverage and costs. If you can make lifestyle improvements, reapply in the future. Canceling it now to re-evaluate is a smart move for a budget-friendly policy.

The Sukanya Samriddhi Yojana (SSY), a government-backed scheme, is specifically designed to secure the financial future of girl children. It provides attractive benefits.

It gives you even more interest rates than FDs, and the maturity amount will be tax-free. You can deposit a minimum of ₹250 and a maximum of ₹1.5 lakh per year. There is a lock-in period of 21 years, but once your daughter turns 18, you can withdraw the partial amount for higher studies.

This is the excellent and profitable scheme run by the government of India; definitely, you should think about this.

While the Axis Multi Asset Allocation Fund achieved a significant 27.2% return in the last year, surpassing its category, its 7.52% three-year return lags behind the 14.24% category average.

Before investing, you should carefully consider your personal risk tolerance and investment timeline.

Pi Network has finally launched its Open Mainnet on February 20, 2025, at 8:00 AM UTC. The network has switched from its former Enclosed Mainnet phase. This milestone allows Pi Coin to be traded on major cryptocurrency exchanges, including OKX and Bitget. Pioneers, who have been mining Pi since the early days, can now trade the cryptocurrency just like any other digital asset.

YES Bank collaborated with ANQ to launch two co-branded credit cards Pi and Phi. The future support of Pi Network payments by other banks and financial institutions in India will depend on regulatory developments, market response, and technological considerations.

The bank doesn't offer any cashback directly, but there are some third-party apps like Cred, Paytm, and PhonePe that give you benefits or cashback after you pay your bills.

There are some platforms that offer cashback for HDFC debit card users: Cred, Paytm, and Amazon Pay, and GPay.

To check any active offers, you can visit the HDFC SmartBuy website (https://offers.smartbuy.hdfcbank.com/) or the HDFC Bank app for specific cashback deals. Or you can check the reward programs and offers available on popular payment platforms.

According to the Indian government's cryptocurrency tax policy, all income from cryptocurrency trades is taxed at a flat 30% rate, no matter what income bracket the taxpayer is in.

Are only Indians able to purchase these coins, or can people from other countries also purchase them?

You can start a demat account for your daughter, but she needs to be supervised by a guardian. You or your wife can be that person.

But there are some rules, such as:

Even though your daughter's name is on the account, you are the only one who can invest and make deals.

You are in charge of your daughter's demat account, but you can only invest in things through it and not trade.