In my opinion, HDFC Millennia offers excellent cashback on online purchases and dining discounts as compared to YES Bank cards, which provide decent cashback with lounge access facilities. HDFC Millennia is basically used by frequent online shopping lovers, and Infinia might already cover premium benefits. BizGrow is for business expenses.

To avoid any kinds of scams, always use reputable platform exchanges like CoinDCX, Binance, or CoinSwitch for USDT purchases via debit/credit cards.

Next, send money to a certified Indian exchange using an exchange wallet or on-chain. Always activate 2FA and confirm the recipient's information.

It gives you a ₹5K pension definitely after you cross 60. It gives you fixed returns, which makes it a suitable option for low-income and unorganized sector workers. It is a government-backed scheme, so it is safe to invest in APY.

Yes, it is taxable since it’s a gift over ₹50,000 from a non-relative. When you convert USDT to Indian rupees, any profit made is taxed at 30% as capital gains under crypto tax rules, plus an additional 4% in fees, as per Indian crypto tax rules.

You can start your investment journey through Zerodha, Groww, Angel One, 5paisa, and ICICIdirect; all of these platforms allow you to buy and sell listed InvIT units just like regular shares. InvIT investments and comparisons are also made easier by the Tata Capital Moneyfy platform.

Groww, Zerodha Coin, ET Money and INDmoney are some great apps that you can use. They have user-friendly interfaces, and these support weekly and monthly SIPs. No Demat account is required.

CRED, BharatPe, and PhonePe are some apps that allow you to manage multiple bank accounts. All these apps follow RBI regulations and are user-friendly.

Contact HDFC Bank customer care, and explain this issue with them.

Yes, Bitcoin can be a beneficial option for a faster and potentially cheaper international transfer to India, and it can bypass the traditional banks and Western Union.

The Indian government still does not regulate Bitcoin because of its volatility and uncertainty in this market. So for now it's still not possible to fully replace the banks' system.

FD offers tax benefits under Section 80C, which allows deductions of up to ₹1.5 lakh. SBI and HDFC banks offer a 5-year lock-in facility. The current interest rate is 5.5% to 7.7%.

So in your case, the interest earned annually on ₹50,000 is fully taxable according to your income tax slab.

You can either use the MakeMyTrip or Skyscanner platforms so that you can compare the flight prices. I would suggest booking the tickets in advance to get the best offers for your trip.

SBI PRIME offers lounge access, Amazon ICICI has cashback on travel bookings, and HDFC Infinia offers low forex markup and lounge benefits.

This plan offers a unique "two-generation" coverage (you and your child under one policy). It provides you with tax benefits, a premium return option at maturity, and long-term coverage.

Kotak Gen2Gen Term Plan might be pricier than other term plans. While it covers two generations, the coverage for the child usually ends around their retirement age (e.g., 60).

There are some government-sponsored schemes available. Central Sector Scheme for Interest Subsidy (if you fulfill the requirements), then there is the Vidya Lakshmi scheme; under this, you can apply for the educational loans. Non-banking financial companies can also give educational loans, but they have their criteria.

Finology30 primarily focuses on long-term stock recommendations, bolstered by extensive research. Finology30 meticulously curates a portfolio of 30 stocks after conducting a thorough analysis. Because of its ease of use for beginners and the superior quality of the stock analysis, users consistently provide positive reviews.

FinShiksha is an educational platform that provides financial education and skill development. It offers courses on financial analysis, valuation, and investment banking. It is less focused on stock tips. This platform aids users in building a strong foundation in finance. The platform's offerings are more educational than advisory.

Vidfin presents itself as a video-based platform for stock and IPO analysis and financial learning. With the limited public information, users give mixed reviews on its reliability.

In conclusion, I recommend Finology30 as a good choice for long-term stock recommendations because of its balanced approach.

It has a nominal annual fee (around ₹220 + taxes). For international transactions, you can expect 3.5% charges. Generally domestic usage is free.

Perks include loyalty points on spending and potential discounts at partner merchants and basic insurance, but travel-specific benefits are limited for international use.

It's a safe investment that is backed by the government, making it worthwhile for long-term, low-risk savings. It offers a 7.5% interest rate per annum, compounded yearly, and your investment doubles in approximately 115 months. There are no specific advantages under Section 80C for KVP investment, and the interest earned is fully taxable.

SBI, HDFC, ICICI, and IDFC FIRST Bank all offer auto-sweep facilities. The interest is calculated on the fixed deposit rates created by the sweep. Minimum balances may vary for different banks. But IDFC offers more flexible options with lower thresholds.

Yes, you can switch to ICICI Lombard just by submitting the porting request to ICICI Lombard before 45 days before the renewal of the Star Health policy ends. Fill out the form and submit the mandatory documents.

Your no-claim history helps retain continuity benefits, including waiting period credits.

ICICI Lombard will calculate your new premium based on your age, health, and the plans you have chosen.

Yes, in some cases banks can freeze the bank account linked to crypto trading, like suspicious transactions, violation of policies, not following the income tax law in the case of crypto exchange, and many more.

So to avoid all these problems completely, do the KYC, use the well-known crypto exchanges, and avoid large and frequent transactions.

For converting crypto to cash, there is a fees and 1% TDS changes. Also Besides 30% tax, 1% TDS also applies.