Dkey offers you multi-factor authentication and encryption; it also protects your data from illegal access, which makes it a more secure and reliable vault for your digital assets.

The service period and withdrawal amount impact the tax rate on EPFO. If PAN is provided, then TDS is 10% on withdrawals that are made before 5 years and exceed ₹50,000; without PAN, it's 30%.

There will be no tax if the withdrawal is less than 50k or the service is 5+ years.

Monthly SIP is a suitable approach for small investments. For initial testing, choose the weekly or monthly investment to keep transaction costs low.

If you buy ETFs daily, then the transaction expenses will consist of different charges like exchange, brokerage fees (which vary depending on the trading platform you use), the Securities Transaction Tax (STT), stamp duty, and GST.

For quick and efficient demat transactions, you can explore brokers like Zerodha, Upstox, and Angel One or banking platforms such as HDFC and ICICI Direct.

You can expect fees for account maintenance (₹300-₹750 annually) and per-trade charges (₹20 or a percentage); discount brokers usually have lower costs.

No, you cannot directly link your daughter's NPS account to yours, as each account receives a unique PRAN number.

But you can establish a separate NPS account for her as a minor under the "NPS Vatsalya" scheme and oversee it until she reaches adulthood.

Yes, donations to registered NGOs or orphanages in India can provide tax benefits under Section 80G of the Income Tax Act. But the income tax act gives different deductions. Some donations can be deducted in full, while others allow a 50% deduction.

There are some criteria set by banks, that you need to fulfill before applying for a home loan:

1. Good credit score more than 750.
2. Regular income proof (salary slips, ITR).
3. Age criteria, which is 21-65 years.
4. Your Debt-to-Income Ratio should not exceed 40-50% (including the new loan EMI).
5. Clear legal property documents are essential.

These are the documents that you need to provide to the bank while applying for a loan. Different banks may ask for more proof, but these are the main documents that are essential.

There are so many brokerage firms available in India. Zerodha, Groww, Upstox, and ICICI Direct are some examples. For mutual fund investments, prioritize firms with user-friendly platforms, low or no commission, extensive fund options, and strong customer support. Compare features, fees, and reviews to find the best fit.

That 70% premium jump is a major concern. Don't rush. Explore alternative term life insurance quotes. Match coverage and costs. If you can make lifestyle improvements, reapply in the future. Canceling it now to re-evaluate is a smart move for a budget-friendly policy.

The Sukanya Samriddhi Yojana (SSY), a government-backed scheme, is specifically designed to secure the financial future of girl children. It provides attractive benefits.

1. It gives you even more interest rates than FDs, and the maturity amount will be tax-free.
2. You can deposit a minimum of ₹250 and a maximum of ₹1.5 lakh per year.
3. There is a lock-in period of 21 years, but once your daughter turns 18, you can withdraw the partial amount for higher studies.

This is the excellent and profitable scheme run by the government of India; definitely, you should think about this.

While the Axis Multi Asset Allocation Fund achieved a significant 27.2% return in the last year, surpassing its category, its 7.52% three-year return lags behind the 14.24% category average.

Before investing, you should carefully consider your personal risk tolerance and investment timeline.

The bank doesn't offer any cashback directly, but there are some third-party apps like Cred, Paytm, and PhonePe that give you benefits or cashback after you pay your bills.

There are some platforms that offer cashback for HDFC debit card users: Cred, Paytm, and Amazon Pay, and GPay.

To check any active offers, you can visit the HDFC SmartBuy website (https://offers.smartbuy.hdfcbank.com/) or the HDFC Bank app for specific cashback deals. Or you can check the reward programs and offers available on popular payment platforms.

According to the Indian government's cryptocurrency tax policy, all income from cryptocurrency trades is taxed at a flat 30% rate, no matter what income bracket the taxpayer is in.

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.

• First, see what's the status of the transaction. If it says "pending," it will take 7-8 days for the money to be sent back to your account. If not, carefully look over your bank records to make sure you remember the exact amount that was taken out and the date and time of the transaction.

• Contact Kotak Bank's customer care and tell them about the whole situation; they will raise the dispute for a failed transaction.

• If Amazon received the money, the bank will provide the Transaction Reference Number (ARN).

• Contact Amazon customer care and explain the whole situation to them. Give them the order number, the date of the purchase, and any error messages you get. Send them the ARN and some other information, then ask for a return or the order to be filled.

• If nothing else works, email Kotak Bank's customer service and ask for a refund. Send them all the proofs, like screenshots, bank records, and information about your Amazon order. Then wait 30 days.

• If the bank is not able to resolve your issue, then write to RBI Ombudsman through the CMS portal (https://cms.rbi.org.in/).

Bank and Post office are both good for opening a PPF account. Choose the bank with excellent online services, which I guess you will not get in the Post Office. The post office is good for rural areas. So it's all up to you, as both provide the same returns.

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.

Cryptocurrency is not officially banned in India but is not considered an appropriate form of payment. You can invest in cryptocurrency, but for every profit, you have to pay 30% tax to the government. The future of cryptocurrency in India depends on the regulation regarding crypto, which either promotes the innovations or can impose the limitations.

The crypto market is very volatile and not regulated properly, which makes it more risky. But if you are planning to invest in crypto, then invest in known cryptocurrencies like Bitcoin, Ethereum, and Jio's newly launched JioCoin.

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.

Debt mutual funds and PPF are the safest options. Debt mutual funds can offer excellent returns but with moderate risk. PPF is a totally risk-free investment scheme, but the lock-in period is 15 years.

To achieve growth and good returns in real estate, you must first invest large amounts with limited liquidity.

So I suggest, if you want safe and fixed returns, then invest in PPF. But if you can take some risk and want favorable returns, then invest in debt mutual funds.