Hi
I used my Niyo Global Card for train bookings through IRCTC. The amount was debited from my account, but the amount is not received by IRCTC. As a result, IRCTC did not book my ticket. I had a word with customer care of Niyo Global Card. They told me that the money will be refunded in your bank account within 10-15 days. Even after 25 days, they still haven't refunded the money. What should I do now? Should I complain to RBI? If so, how do I file a complaint?

Hi
I am currently investing in:

• Nippon Indian Small Cap: 2000
• Nippon Indian Large Cap: 2500
• ICICI Pru Technology Fund: 2000
• Aditya Birla PSU Equity Fund: 3500

I am planning to stop my Aditya Birla PSU Equity Fund SIP and wanted to invest (Rs. 6500) in another midcap fund for the long term. So which one should I consider? Motilal Oswal Midcap or Nippon India Nifty SmallCap.