You can start a demat account for your daughter, but she needs to be supervised by a guardian. You or your wife can be that person.

But there are some rules, such as:

Even though your daughter's name is on the account, you are the only one who can invest and make deals.

You are in charge of your daughter's demat account, but you can only invest in things through it and not trade.

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.

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.

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.

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.