If you don't need cash immediately, then it's better to put all the money in mutual funds. Trust me, it's a wise decision. For stable and steady growth, you could consider a balanced fund or a large-cap fund. The risk factor is very low in these types of mutual funds. 
If you want flexibility, you can transfer this money to your savings account to earn the interest, or you could just put in a short-term fixed deposit.

Yes, HDFC charges some fees if you choose the auto sweep services. Additionally, HDFC charges fees for early withdrawals from fixed deposits. The threshold amount is entirely dependent on your spending and saving habits. Many set it at ₹25,000–₹50,000, hence just the additional money gets cleaned.

Regarding the hidden charges, it's advisable to consult with bank officials to gain further clarity on whether to choose this service or not.

NPS is a good option if you want tax benefits. However, if the lock-in period is your primary concern, there are alternative options available. ELSS mutual funds are a good option with only 3 years of lock-in period and also give you tax benefits under Section 80C. 
PPF is another tax-saving choice with a 15-year lock-in period, but you can withdraw a partial amount after 5 years. So managing NPS with these schemes gives you flexibility with both tax savings and less lock-in period.

Both banks offer competitive corporate salary accounts that come with premium benefits. ICICI has good online banking service and customer care service. HDFC offers high interest rates on savings. 
So while selecting the premium card for yourself, choose the card that gives you good rewards, a daily cash withdrawal limit, travel benefits, and a good cashback facility.
Both cards offer excellent services. So choose the card that fits according to your spending habits.

There might be a technical issue with the PNB app at that moment. Try to upgrade your card at a later time. If you are still not able to upgrade your card, it's better to visit your PNB branch and tell the staff to upgrade your Classic Debit Card to a PNB Platinum Debit Card and they will upgrade your card.

SBI, HDFC or ICICI are good banks for a home renovation loan, as they have good customer service, affordable interest rates and an easy application process. These banks offer flexible terms for renovation loans, so you are not committed for the long run.

SBI and HDFC banks are very popular banks for providing home loans because of their affordable interest rates and easy application process. SBI offers the lowest interest rates, and HDFC gives the flexible repayment options and good customer service. Before applying for the loans, make the following things clear in your mind:

Understand your eligibility criteria, like income and age.

Don’t just focus on interest rates; also focus on processing fees, prepayment charges, and other terms.

Maintain a good credit score; it will help you to get a lower interest rate.

It’s better to compare all the offers from different banks and then choose wisely.

For a perfect road trip, you should choose those cars that have good mileage, lots of space and give you extra comfort for long drives. For that, you should consider buying compact SUVs like Tata Nexon, Kia Sonet, or Creta. All these cars have good qualities as well as perfectly fit into your budget. These cars offer you a good balance between city driving and highway performance, which is perfect for you.

There are numerous banks that offer educational loans. SBI, HDFC, and Axis Bank are the best banks for educational loans. 
The interest rate depends on the amount of the loan and the type of course which you will do. 
Most banks offer flexible repayment terms, which usually start within 6–12 months after the course's completion..
There are some banks that provide zero processing fees or discounts on interest rates for particular courses. Each bank has different penalties, and the best way to find out is to visit the bank.

You can get a car loan on an already registered car from another state, but the process of getting the car loan might be different from different banks. Before granting you a car loan, most banks require a NOC for the re-registration of your car in your state, along with other documents such as valid ID proof, address proof, and income proof. It's better to visit a bank directly to understand their requirements.

There is no need to keep this account active, as you will be required to maintain a minimum balance. You currently have two active accounts; hence, there is no need to maintain this account unnecessarily since this one will not provide any kind of advantage.

Amex is a credit card that gives you good rewards and traveling benefits, airport lounge access, travel insurance, and many more features.

The ForexPlus Card is a prepaid travel card that enables you to load and manage currencies from various countries, thereby making international travel more convenient.

If you regularly travel to the US, an Amex card would be a great choice. Most travelers find that having both cards maximizes the benefits, but it's important to consider your travel habits before making a decision.

If you're looking for good rewards and cashback offers, you might consider the HDFC Regalia or SBI Card Elite. These cards offer generous travel rewards along with a host of additional benefits.

This could be a temporary issue with your bank or a security block. Just make sure you have enough balance. Update your app. If the issue persists, reach out to your bank and verify if they have blocked your UPI transactions.

Motilal Oswal Midcap could be a good midcap investment option for you as it can diversify your portfolio of midcap stocks and offer possible growth.

Nippon India Nifty SmallCap would keep you mainly invested in small-cap stocks, which usually carry higher risk and may not give you balanced growth that midcap funds offer.

Mutual funds are the best option for you at this age compared to direct stocks. Mutual funds give you better growth and have a low risk factor, and it is better than FDs or PPFs. You can start with a SIP in a diversified equity mutual fund, which can help you grow your money over time.

You can invest in the same type of mutual fund from different companies. With this method, you can diversify your investments with a low-risk factor. But before investing, make sure each fund can match your goals.

Yes, it's important to choose the best service provider for your Demat account, as it influences the cost, user experience, and customer support. For regular traders, Zerodha and Upstox are the popular choices because of their low brokerage costs and user-friendly platform.

For individual seekers, ICICI Direct is very convenient as it gives secure and broad experience. Although its prices are a little higher, it's simple to use, particularly if you have an ICICI Bank Account.

Cement stock can offer you portfolio stability in the long term due to ongoing construction and infrastructure development. But it can be volatile, and that depends on global commodity prices, real estate cycles, and government policies.
As for your query, Ultratech Cement is a powerful player, so you can invest in their stocks, but I suggest having a word with a financial expert before investing.

Congratulations on the maturity of your FD, and it's good that you are investing your money wisely.

Mutual funds and SIPs are the best options, as you can invest in a diversified portfolio and have a low risk factor. Stock Market can give you high returns, but the risk is very high because of the market's unpredictable nature. PPF is an excellent choice for long-term investments and also offers tax benefits. Real estate can also be a good investment option.