Both land and REITs have their strengths and weaknesses. Land is good for long-term wealth. However, it requires a significant investment and a high level of patience. But REITs offer you more liquidity and steady income.

So for your father, REITs are a more suitable and hassle-free option because of their liquidity and regular payouts.

The best health insurance depends on reputable companies, your needs, an easy claims process, coverage, premiums, and good hospitals; these are the basic requirements for selecting any health insurance.

ICICI Lombard Complete Health Insurance and Niva Bupa Health Companion are the best ones. ICICI Lombard Complete Health Insurance offers a wide range of coverage options, a swift claims process, and the convenience of a cashless facility.

Niva Bupa Health Companion provides excellent coverage for you and for your family and also offers an easy claims process.

Yes, you can easily get the loan against your FD from the bank. Most banks can give 90–95% of a loan with your FD value at a lower interest rate than other types of loans. Every bank offers the loans on FD, but the terms and conditions may vary. So read the terms carefully.

Star Health Insurance, Niva Bupa Health Insurance, ManipalCigna ProHealth Insurance.

These are the best health insurance plans, which provide coverage for mental illness, cover pre- and post-hospitalization expenses, and cover therapy expenses as well. You can select the insurance according to your needs.

It's a beneficial move to rebalance your portfolio. This will help to reduce the risk by shifting your investments to debt funds.

Hardware wallets are the optimal choice for storing our keys. Tell me, what is the difference between the Ledger Nano X and Trezor Model T? And on what basis should I select?

Most banks don't approve the loans if you are not filling out your ITR, as banks require your income proof to verify your ability to repay the loan. So it's difficult for you to get the loan. However, certain banks or digital lenders may be able to provide a small loan amount based on your savings account transactions. You can try non-banking financial companies (NBFCs); they give you loans without ITR.

@Kiara It's always better to diversify your funds to get better exposure to different sectors and a low-risk factor. So you should definitely diversify your SIP into different mutual funds.

The best funds to invest right now are:

Large-cap equity funds. Flexi Cap Funds. Hybrid funds.

All these funds will give you stable growth on a low-risk basis.

Is there any other app that provides excellent cashback offers? I am using GPay, and I am not getting any beneficial offers on it.

A weaker rupee means India needs to export more in the global market. But it may increase import costs and inflation, which ultimately benefits the exporters and other sectors. This is a short-term dip, and this is not going to impact the economy of India. The economy depends on various other factors like agriculture, industries, service sectors, foreign trade, and many more.

Thanks for the reply. I already filled the complaint; hopefully, I will get rid of this issue very soon.

The most reliable and trustworthy app for trading Bitcoin and Ethereum in India is CoinSwitch. An estimated 6 million individuals use this app for trading. This software makes it simple to set up an account and begin trading in a matter of minutes. About 170 different coins are available for trading on this app.
CoinDCX, ZebPay (the oldest trading app), and many others are available for trading.

Bitcoin is a very risky investment because of its high volatility and risky nature. Therefore, it's advisable to invest only when you can comfortably absorb the potential losses. There are some other cryptocurrencies where you can invest for the long term, like Ethereum, Polkadot, and Cardano.

If you are aggressive investors and can tolerate the risk factor, then only invest in thematic or sectoral funds. Investing in both funds is quite risky. Additionally, these funds offer limited options for diversification. If you want to diversify your portfolio, then choose other funds.
Other options in mutual funds, such as large-cap or index funds, or debt mutual funds (bonds, treasury bills), offer lower risk and provide stability.

Bajaj Finserv gives you a loan at a lower interest rate than SBI. Bajaj Finserv is an excellent choice for you, as they credit your loan within 24 hours of approval. It is also the best option for flexible terms.

Both banks provide the same interest rate and offer nearly identical services. Both banks approve loans within hours for pre-approved customers who meet certain eligibility criteria.
The processing fees primarily depend on the desired loan amount. HDFC processing fee ranges from ₹1,000 to ₹6,500 + GST.
And the processing fees at ICICI Bank are 2% of your loan amount.

So compare processing fees and choose the best one.

To know the best bank, check out this article:

https://fincuss.com/topic/135/which-bank-offers-me-loans-with-a-low-cibil-score/2