FDs are safe, but you need to diversify your investment to get better returns and risk management. With FDs your can secure your future and it’s a good idea. To understand the FD Taxation and Planning, you need to understand these points:

If your total FD interest exceeds to Rs.40,000 then bank will deduct 10% TDS annually. There is a a procedure of taxation on maturity of your FD. Your annual tax liability may vary. So its better to do some -tax saving investments like PPF and ELSS.

For so many, SGBs have proven to be a beneficial investments. This is a long run investment, and they give a consistent return and good protection against inflation. You can combine SGBs as a part of a diversified portfolio.

I have not invested in SGBs yet, but I would invest a moderate portion, around 10% of my investment portfolio.

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Starting early with NPS is a wise decision because of the power of compounding. Long-term, consistent investing can greatly increase your retirement funds. And investing $7,500 per month for 35 years could result in a substantial capital gain.

Annuity rates, Expected results and Tax effects are some factors from which you need to calculate the precise monthly pension and total capital from your NPS contribution.

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For a real estate investment, you can explore tier-2 or tier-3 cities in Himachal Pradesh, Uttarakhand and Goa. Real estate may be volatile. You should diversify your investment for that you can investigate other possibilities like mutual funds, fixed deposits and even open a small business in your chosen location.

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Double check the account details, mobile number. If you still can’t activate your account, its better to contact the bank and also to GPay support system again. If still that is not working, share your more details with us and I will forward the issue to our technical staff for a quick fix.

To check your CIBIL score for free, there are many reliable platforms available in India. Websites like the CIBIL (official website), CRED, PaisaBazaar, and some financial institutions, including banks.

To improve the CIBIL score, follow some rules like paying the bills on time, reducing the usage of credit, avoiding multiple loan applications, and maintaining a healthy credit mix.

ICICI offers many types of credit cards to users. These cards are identified by the functions and benefits they provide to users.

Cashback Credit Card: These are the most used credit cards in India. These are used to save money or to take advantage of amazing deals. Each time you use the card, you receive cashback on your purchases with the card every time you use it.

Travel Credit Card: These cards are good for those who travel a lot. These cards provide users with attractive discounts on their flights and hotel bookings. The user gets lounge access and travel insurance also. Users get the air miles as rewards every time they use the card, they receive air miles as rewards.

Fuel Credit Card: Users can use these cards at fuel stations, and they get attractive discounts or cashback every time they refill the vehicle.

Premium Credit Cards: It's the best card for those who spend a lot. And it offers an exclusive benefit to users, like reward points, lounge access, dining discounts, entertainment offers, and many more.

All these cards are used for different purposes, so identify your needs and then apply for the suitable card for yourself.

For food, fuel and online shopping, the HDFC Millennia Credit Card is a good option for you. This card offers cashback in all these categories. It gives you around 5% cashback, 2.5% cashback for online shopping, and 1% cashback for fuel.

Verify that your card is active, online payments option are enabled also check that you are entering correct card details. Check all these reasons. And if the problem persist, contact HDFC customer support to resolve this issue.

The travel-focused credit card is ideal for you. There are many good options for you; Air India SBI Signature Card, Axis Bank Vistara Signature Card or HDFC Regalia. They have additional benefits like lounge access, reward points and gives you amazing discounts on flights and hotels. Compare all the features of these credit cards like features, fees and rewards and then choose the best credit card according to your requirement.

If the money was debited from your account, and the contact number on which you transferred the money, which is not linked to their bank account, that means money is send to the wrong account.

Tell your sister to contact to Phonepe customer service term and share your issue. They can easily track the transaction. They can initiate the refund process. Also contact your bank and inform them about the refund and let them know it was an unauthorized action.

UPI ensures that your bank details remain confidential. While doing the transaction, UPI uses the Virtual Payment Address (VPAs) instead of sharing bank account number. UPI uses the Two-Factor Authentication, which requires PIN and OTP for verification. All the transactions are end-to-end encrypted which prevents us from fraud. All these security steps are taken by UPI to maintain the security and privacy of your transactions.

You can consider banks like HDFC, ICICI, Axis Bank or SBI for a savings account. These banks offer great debit card offers and rewards for online shopping.

I would suggest you consider HDFC Bank for opening a saving account. As HDFC bank is known for frequently offering discounts and offers you a great deals on Amazon, Flipkart etc.

But before selecting any bank, it’s better to do a comparison of their features, charges, online banking services and customer care services.

According to your investment capacity and requirement, the National Pension Scheme is a perfect option for you. NPS offers tax benefits and a pension after retirement. ELSS funds and PPF are also good options to save money for your retirement. These entire schemes are tax saving investments. To understand all the schemes well, it’s better to consult a financial advisor.

You can get benefits from compound interest on your FD by choosing cumulative FD which means you can reinvest the interest which you earned on your FD.

It's a very good idea to get more profit by upgrading to higher-rate FDs. But check with your bank whether up-gradation is available or not. But when you are upgrading, evaluate all the terms and penalties related to the new FD.

It’s great and important to diversify your investment for retirement. You can consider:

PPF: gives you guaranteed returns and helps you in tax benefits. Debt Funds: considered as low-risk funds, gives you a steady return. ELSS Mutual Funds: gives you a tax rebate with a potential growth rate.

If you are still not able to understand, it’s better to consult a financial advisor for a personalized plan.

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There are some foreign transaction fees associated with regular credit cards. To avoid this fee you can consider the SBI Card Elite card as it provides less foreign exchange markup of 1.99%. Then there is Axis Bank Miles & More World Credit Card which offers you a low forex markup of 1.99%. Induslnd Bank’s Signature Credit Card also offers you a lower forex fee.

Before using any card for an international transaction, always make sure you are aware of the exact fees involved.

HDFC, ICICI, and SBI Bank allow the opening of PPF accounts online. The current PPF interest rate is 7.1% which is the same for all the banks. Minimum Rs. 500 you need to deposit and it will go upto Rs.1.5 lakh annually.
Look for a bank known for good online service. Do some research online or visit banks' websites to compare features and choose the one that best suits your needs.

To get the maximum savings and benefits on your ICICI home loan, look into Flexi options offered by ICICI, this helps you prepay without impacting your ECS.

For daily interest, you can contact ICICI or can check online banking for your loan account details. The bank will provide you with daily interest calculation details.

To know the EMI breakdown, your loan agreement shows you the EMI breakdown (principal+ interest).There are usually no charges for paying within the due date.

Selecting the best debit card for yourself highly depends on your spending habits, your earning capacity, and your location. Mostly all the banks provide amazing debit card options with good offers, high transaction limits, and good incentives. Some good debit card options are:

HDFC EasyShop Platinum Debit Card, SBI Platinum International Debit Card, ICICI Bank Coral Debit Card, Axis Bank Burgundy Debit Card, Kotak Mahindra Bank Privy League Signature Debit Card.

I would suggest you to consider SBI Platinum International Debit Card, as it gives you rewards on each transaction, gives special discount on travelling, dinning and shopping, gives you complimentary insurance cover.