Using family accounts for IPO bids is fine only if the money truly belongs to them and can be verified. Since your parents have farm income but don’t have tax returns, you should:

Move money to their bank account through official bank transfers — no cash, please. Keep a record of the transfer and have them sign a simple gift or loan declaration. Hold onto proof showing where the money came from in your account.

Just steer clear of informal transfers. Having proper documentation is very helpful if the tax department wants to know where the money came from.

Cement stock can offer you portfolio stability in the long term due to ongoing construction and infrastructure development. But it can be volatile, and that depends on global commodity prices, real estate cycles, and government policies.
As for your query, Ultratech Cement is a powerful player, so you can invest in their stocks, but I suggest having a word with a financial expert before investing.

Amex is a credit card that gives you good rewards and traveling benefits, airport lounge access, travel insurance, and many more features.

The ForexPlus Card is a prepaid travel card that enables you to load and manage currencies from various countries, thereby making international travel more convenient.

If you regularly travel to the US, an Amex card would be a great choice. Most travelers find that having both cards maximizes the benefits, but it's important to consider your travel habits before making a decision.