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.

The Indian Income Tax Department clearly states that you must pay a 30% tax on cryptocurrency profits. There is no other way to avoid this tax.

The Indian Income Tax Department clearly states that you must pay a 30% tax on cryptocurrency profits. There is no other way to avoid this tax.

There are many excellent travel insurance companies, but the best for your father's England trip is either Trawick International Travel Insurance or Allianz Travel Insurance.

But before selecting the insurance, look for the policies that cover pre-existing conditions, provide adequate medical coverage limits, give you medical emergencies, trip cancellation coverage, and round-the-clock help.

Almost every person opts for travel insurance to safeguard themselves against unexpected events. Since you are going on vacation for 1 month, it's important for you to have travel insurance for your protections. Travel insurance safeguards your finances throughout your journeys. Travel insurance gives you:

Medical coverage in case of medical emergencies, trip cancellation protection, helping you in lost or delayed luggage situations, and many more.

Your travel insurance may cover missed connections, depending on the specific terms of your policy. If your policy covers "missed departure" or "trip interruption" due to unexpected events, then only you can claim for insurance.
To understand better, it's better to talk to your insurer.

Yes, it's possible to include personal accident coverage to your current insurance policy. For that, you need to contact Policybazaar's customer service. Although this won't impact your policy number or RTO registration, you don't need a new policy.

Official Email id: [email protected]
Customer Care Number: 1800-258-5970

Through SBI Life Customer portal (https://mypolicy.sbilife.co.in/) or SBI Life Easy Access app, you can verify your policy funds, which shows your Net Asset Value (NAV) and fund performance.
Evaluate the policy's past returns and compare them to other investment options like mutual funds and term plans, and then decide whether to continue or diversify the policy.

If you are still not able to understand, consult a financial advisor for better understanding, and you can explore other investment possibilities.

This is a technology issue with Amazon and Gpay. As you said, you spoke with Amazon and Gpay, but their responses were unsatisfactory. File a complaint on the National Consumer Helpline (NCH) website ([email protected]) or call on their toll-free number 1800-11-4000 or 1915.

For good customer service and excellent net banking service, you can consider opening a secondary savings account at either Axis Bank, HDFC Bank, or Kotak Bank. These banks also give you the facility to maintain the minimum balance in your account.

Axis Bank , HDFC Bank offers zero-balance accounts to customers. In these banks, there is no need to maintain the minimum amount, and they have great customer service.

To create some emergency funds, you can use the feature of auto-debit savings, which means some amount of money is automatically deducted from your salary account to be transferred to some other high-interest savings account. Since you are living with your parents, try to save more money. You can also invest some money in some low-risk equity funds.

You only need to register for GST if you are earning more than 20 lakh rupees. Since you are making less money than 20 lakhs, you do not need to register for GST.

NPS continues to provide essential tax benefits, particularly under Section 80CCD(1B), which offers further tax deductions, but the new system has lessened its tax-savings advantage.

Mutual funds provide flexibility and the possibility of higher returns, but NPS offers a systematic plan for retirement savings with tax benefits.

Keeping some investments in NPS is worth it if retirement tax-saving is your priority. Otherwise mutual funds offer more returns and liquidity.

To sell your commercial property, you must have the following documents:

Property title deed, Property tax receipts, Occupancy Certificate (OC) / Completion Certificate (CC) , No Objection Certificate (NOC) from bank which ensure that there is no existing loan or mortgage on your commercial property. Make sure all the documents are authentic.

To protect yourself, consider hiring a trusted real estate lawyer. Try to deal directly with verified buyers or through trustworthy agencies.

You can think about ITPL Main Road, Hope Farm Junction, or Kadugodi in Whitefield, depending on your tastes and budget. Additionally, Kaggadaspura and the Outer Ring Road are the best options for you in Marathalli.

Check this post to determine whether to choose an apartment or land: https://fincuss.com/topic/82/should-i-buy-a-property-or-a-flat/2?_=1730184450913

It is a great time to buying a property in Surat as there is a stable growth, which makes it a good time to invest in real estate as you have a stable income and savings. Its better to sell that old apartment as you are not going to live there in future. About your queries:

Buying a land means longer construction time, more involvement in the process, increased cost. But buying a new flat gives you a facility ready-to-move-in with less hassle. The real estate market is very dynamic. Waiting for a best property may be offers you great results but it may also mean missing up the best opportunities. Your financial status, market trends, property location, legal clearances, resale value, tax implications. These are some factors which you need to consider before buying property or flat.

Both cards offer verity of benefits and have almost the same features. But I would suggest the HDFC Platinum Debit Card to you. As this card gives you more rewards points and have high transaction limits. This is a perfect card for you.