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).

For your business, a business loan is ideal; however, a personal loan can also be an option, although it may have a potentially higher interest rate.
The online EMI calculator is used to calculate the manageable EMIs. Try to choose the EMI that doesn't exceed 45-55% of your income.

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.

Vested Finance, INDmoney, Groww, and Fi Money are all the best platforms that offer you the opportunity to invest in US stocks and ETFs.  All these platforms have brokerage charges, like Vested Finance charges 0.25% of the trade amount and max $35, and Fi Money charges zero brokerage and withdrawal fees to your linked Federal Bank account. INDmoney doesn't charge any fees, but forex fees apply.

But before investing, TCS (Tax Collected at Source) is applicable on overseas investment if your investment exceeds ₹7 lakh in a financial year.

The interest rate of RBI Floating Bonds varies every 6 months (January 1st and July 1st), unlike the fixed-rate bonds, after ensuring the return reflects current market conditions. The RBI links these rates to the National Savings Certificate (NSC) rate, with a fixed spread added.

The unit allocations totally depend on Net Asset Value (NAV) on the day your investment is processed and aren't directly linked to market declines. Lower NAV during a market fall means more units for a fixed investment.

To check your total unit ownership, check your CAS (Consolidated Account Statement) or AMC statements for your total units.

Senior citizens currently receive 8.55% from Bandhan Bank, while others receive 8.05%. The RBI's monetary policy, inflation trends, liquidity, and the state of the economy as a whole are some of the variables that affect FD rates.

For your fishery business in a rural area, there is one scheme run by the central government that is Pradhan Mantri Matsya Sampada Yojana (PMMSY). It provides financial assistance, cage culture, and setting up hatcheries. They also provide training.

The Fisheries and Aquaculture Infrastructure Development Fund (FIDF) also provides infrastructure development for your fishery business; through Mudra Yojana, you can apply for the small loans.

To avail yourself of this scheme, apply through the District Fisheries Office with all the necessary documents.

Yes, through RBI Retail Direct and NSE goBID, you can directly invest in Treasury Bills. These platforms are very easy to use, and you can access them online. The minimum investment amount is ₹10,000.

Yes, you can change the date and amount for your SIP at any time, and you can update this on the mutual fund website.

Your fund house doesn't cancel or charge you for missing your first SIP. But always remember continuously missing the payments can definitely cancel your SIP, so try not to miss your SIP, as this will impact your portfolio.

If all the details are correct, the funds will appear in your WazirX balance within 6 hours on working days. If you deposit after 9 PM or on weekends, then it will be done on the next working day.

About your second query, you can't fund your WazirX account using a bank account that is not in your name. WazirX requires the bank account and WazirX account name to be the same; this will prevent you from any kind of fraud.

The Bitcoin transaction fee structures are totally based on the transaction size and maker/taker roles.
For small and large transactions, WazirX and CoinDCX are excellent options, as they offer competitive fees.
Binance and Kraken may offer lower fees for larger trades due to volume discounts.
For small transactions, CoinSwitch and Mudrex are excellent options.

NPS pension payouts at retirement involve withdrawing up to 60% as a lump sum, with the remaining 40% mandatorily used for an annuity.

For smaller corpus amounts (under ₹5 lakh), full withdrawal is permitted. Initiation can be done online via the CRA website or offline through a physical form.

To open an NPS account, you need to submit your PAN, Aadhar card, photo, bank details, and address proof.  SBI Bank, HDFC, and ICICI are the most reliable bank options.