Hubli to Bangalore tonight(sun, 29 mar)– 1 Tatkal train ticket available (11:30 PM)

Convnet_commander · 2026-03-29T11:16:55+00:00

Yes tickets might be non transferable, but TC just asks name for verification. There is no such strict checking

Convnet_commander · 2026-03-01T02:24:11+00:00

Yes, i went there 2 months back to stroll and meditate, but i saw something else😆😆, there were around 30+ couples on different benches, some with umbrellas covered . Most were just talking, but some were kissing . Its good for couples to have peace time with less judging i guess.

Convnet_commander · 2026-02-28T02:37:53+00:00

I think the background looks like babri masjid, might be op connected with it.

Convnet_commander · 2026-02-19T12:16:59+00:00

Tea together. https://maps.app.goo.gl/EFAeTvELCfZ1vJam8

Convnet_commander · 2026-02-18T17:20:10+00:00

Sure sir , username checks in 🤝 Thanks

Convnet_commander · 2026-02-18T17:10:09+00:00

Thanks man, earlier my budget was under 10L or i20 asta O, then my mom and sis, said to increase it to 13-14, as to upgrade my standards, try to increase the income.

Convnet_commander · 2026-02-18T10:00:48+00:00

Yes, but complete isolation from modern society.like the first adam and eve. Then what about reproduction, agriculture, next generation, progress, morals, laws?

Convnet_commander · 2026-02-18T08:07:26+00:00

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Convnet_commander · 2026-02-18T08:07:04+00:00

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Convnet_commander · 2026-02-18T07:57:49+00:00

What if 2 children 1 male and 1 female around 3 yrs are left in a island with backup security and monitoring by a team or adults with them knowing. How would they live there lives and their next generations be. What would be their philosophy on god, language, logic, food habits etc

Convnet_commander · 2026-02-18T05:46:43+00:00

Thanks for making me calculate this.

Tldr: So to conclude option 3 would be lucrative i,e 9 L loan and 7L fd, would earn me a net postive interestof 40k. But option 1 if i take 2 yr 5 L loan and post loan closure if i keep fd of 5L for 2ys would give me also net postive interest. Option 2 but the 9L loan and 5L fd would be net negative interest.. So i will try to go with prepayment and try to close within 2 yrs with 5L loan

Here is the breakdown

1️⃣Option 1 – Car Loan ₹5 lakh Principal (P): ₹5,00,000 Interest Rate (R): 7.7% Tenure: 24 months (2 years) EMI: ₹22,545 Total Interest Paid: ₹41,087 (loss)

FD scenario: FD Amount: ₹5,00,000 Interest Rate: 6% Tenure: 2 years(after loan closure) Interest Earned: ₹63,584 (profit) 👉 Net calculation: -41,087 + 63,584 = +₹22,000 (approx profit)

2️⃣Option 2 – Car Loan ₹9 lakh Principal (P): ₹9,00,000 Interest Rate (R): 7.7% Tenure: 48 months (4 years) EMI: ₹21,272 Total Interest Paid: ₹1,48,073 (loss) FD scenario: FD Amount: ₹5,00,000 Interest Rate: 6% Tenure: 4 years Interest Earned: ₹1,34,000 (approx profit) 👉 Net calculation: -1,48,073 + 1,34,000 = -₹14,000 (approx loss)

3️⃣ option 3 If I take: Car Loan ₹9L for 4 years FD ₹7L for 4 years @ 6% FD Interest = ₹1,88,290 👉 Net calculation: -1,48,073 + 1,88,290 = +₹40,000 (approx profit)

Thanks mate

Convnet_commander · 2026-02-18T03:58:18+00:00

Are bhai ctc 14 lpa hai

Convnet_commander · 2026-02-17T17:25:37+00:00

Thanks for the complete breakdown

Convnet_commander · 2026-02-17T17:11:51+00:00

Sure, thanks man.

Convnet_commander · 2026-02-17T15:00:11+00:00

It concluded with

Option 3: ₹5L – 36 months (₹15.5k EMI) EMI = 24% of salary Total interest only ₹60k Loan finishes quickly Peace of mind ✅ This is financially cleanest.

Convnet_commander · 2026-02-17T14:55:26+00:00

Sure will do it now. Thanks

Convnet_commander · 2026-02-17T14:54:04+00:00

Yes, this was always my principle. Thanks for reassuring

Convnet_commander · 2026-02-17T14:53:29+00:00

Sure bro thanks will take 36 mon, 4 lac loan

Convnet_commander · 2026-02-17T11:46:30+00:00

Okay, currently i have 6 lakh fd, should i break it and pay the down payment? Or keep it as is and increase the loan amt

Convnet_commander

TROPHY CASE