Could the increased expenses associated with a Pvt Ltd adversely impact my initial cash flow? A Pvt Ltd costs ₹15,000–20,000 and requires yearly audits, while an LLP costs ₹8,000–12,000 and only needs audits after a turnover of ₹40 lakh.

Is the Atal Pension Yojana (APY) a good investment for the long term , considering a guaranteed pension of ₹5K per month? Is it worth the retirement savings option at this inflation rate?