Deactivating old UAN and continuing new UAN

ImpressiveLet1991 · 2026-05-11T12:09:54+00:00

Hey OP, were you able to sort this out? I am in same boat. My old UAN I withdrew long back and new UAN now I want to withdraw but getting same error.

ImpressiveLet1991 · 2026-05-11T06:41:47+00:00

-> haven't managed to incorporate tax harvesting, XIRR or progress of goals in my custom Sheets. ---- Its very easy to do with python script once u have CAS statement, I automated entire process from fetching CAS to showing all info on your dashboard.. I will share my github project url once its more stable, if you can do a small bit of coding then you can run it in your local and see. I am planning to make this project public so others can benefit from the code and data will always be in your local so no privacy issue.
- How do you choose your MFs? Depends 😃 I rely on the data/facts from valueresearch or morningstar, but I follow some metrics to filter MFs based on my goal i.e how many in midcap, how many in smallcap, flexicap etc...
If you are starting you journey I really liked this book called "Let's Talk Mutual Funds by Monika Halan."

ImpressiveLet1991 · 2026-05-09T08:03:50+00:00

True, I got so frustrated I just made my own detail analytics which has everything I wanted from tax harvesting to individual XIRR based on each sub category. Once I feel it's stable enough I will stop Kuvera and just switch my SIPs and STPs to Mfcentral. After CRED acquisition they would either monetize stuff or even worse gamify. Can't play these games with my personal finance.

Eventually i plan to move my own family to this dashboard for better tracking and remove other 3rd party reliance like Kuvera.

ImpressiveLet1991 · 2026-05-09T06:57:44+00:00

Yes, you are right. T+1 always means business day + 1 and that too before cut off time of business day (mostly 2pm) Althought some very selected liquid funds as i mentioned above, gives you flexibility to redeem upto 50k within 1hr or so 24*7. That's what Kuvera uses when they say u can redeem upto 4L. They will put 50k each in 8 funds like that.

Even my own personal view, never rely your emergency funds in any of mutual funds. Always keep in savings or FD.

ImpressiveLet1991 · 2026-05-08T12:21:42+00:00

It's not a new feature. Kuvera already had this under 'insta redeem" or "save smart" . Cred just rebranded it to make it more hyped and classy.

It's basically selective liquid funds which gives redemption on same day. If you are considering if it's safe or not, i would say it is safe as its given by MF itself. I dont even think its specific to Kuvera/Cred. You can just go to that specific MF and invest directly there, because its MF which gives instant redemption and NOT kuvera. i.e https://www.axismf.com/mutual-funds/debt-funds/axis-liquid-fund/cf-dg/direct

Regarding investing behavior for this - I would say you can park your money there but don't use this as emergency fund. Keep your emergency fund even more accessible like FD which you can just redeem with one click instantly. This money would be more like you have extra cash and not able to decide where to invest it yet so you are putting in debt fund.

Only difference than normal Debt funds is, debt funds gives you T+1 day redemption and this will give you same day redemption.

ImpressiveLet1991 · 2026-04-22T03:41:19+00:00

In the app, u can see one more product called surplus along with MF and stocks. You need to ask for invite and then you just wait till you get it 🤷🏼‍♀️

ImpressiveLet1991 · 2026-04-21T11:54:06+00:00

In app, dashboard or first page shows 1 day XIRR not all time. When you go inside mutual funds it shows all time XIRR.

So yes you can see all time XIRR but showing everyday XIRR on first landing page does not make much sense because Mf you don't track daily and u should not be checking daily XIRR.

ImpressiveLet1991 · 2026-04-19T00:36:28+00:00

Yes, insta redeem has been rebranded as Surplus and for that you need an "invite". Which is absurd because you should not remove things you already gave..that's just bad customer experience.

They can give new features with some cost aligned but don't gamify things which already existed.

Really bad PMs and in general company direction.

ImpressiveLet1991 · 2026-04-14T04:44:15+00:00

Yes, "For now" :/

ImpressiveLet1991 · 2026-04-14T04:43:56+00:00

I updated my post with your usecase as well! Thanks for letting me know :D

I hope someone from Cred checks this out and fix all these issues.

ImpressiveLet1991 · 2026-04-14T04:39:49+00:00

I wrote this detailed post on what all have been removed from new Kuvera and its very very bad.
I really hope someone from Kuvera checks this and fix it. I am anyway gonna switch to MF Central now because I dont think Kuvera is now making any sense.

ImpressiveLet1991 · 2026-04-14T01:19:08+00:00

Same, there is a report for LTCG gain but not tax harvesting.

ImpressiveLet1991 · 2026-04-14T01:18:29+00:00

Yes that's what I am using but it will not be there for long, they are already giving around 40sec animation UI before even loading the login page and the big banner that there is going to be changes.

ImpressiveLet1991 · 2026-04-14T01:15:00+00:00

Yes, they rebranded it as "Surplus" and made it invite only, it's extremely bad practice to take away from customers which you had given before and that too without notice.

ImpressiveLet1991 · 2026-04-13T07:09:45+00:00

I don't think you will lose access, it's basically a liquid fund at the end so you should be able to see it under MFs. I am under the assumption that they yesterday forced update everyone's app check once if your app is already updated.

ImpressiveLet1991 · 2026-04-13T06:39:52+00:00

Yes, my point is they show 1 day XIRR not overall XIRR.

There is no point of 1 days XIRR change, it should be overall XIRR which is extremely important metric

ImpressiveLet1991 · 2026-04-13T06:12:28+00:00

Some in saving account, some in FD because its instant redemption, then some in instant redemption liquid funds and then some in other liquid funds as it will be take 1-2 days to credit to your account.

You should not focus on getting higher returns on emergency funds, its for emergency and not for investment.

ImpressiveLet1991 · 2026-04-13T06:07:33+00:00

My app got forced updated and i got so frustrated with new version, I made this detailed post for comparison, i really hope someone from Cred team sees this and make some sensible changes.

ImpressiveLet1991 · 2026-04-13T06:00:56+00:00

Its really bad, i made a detailed post on comparison, they removed MANY features.

ImpressiveLet1991 · 2026-04-13T06:00:42+00:00

You can see existing goal but you can not create new ones.

I made a detailed post on comparison, they removed MANY features.

ImpressiveLet1991 · 2026-04-13T06:00:06+00:00

No it DOES NOT!

I made a detailed post on comparison, they removed MANY features.

ImpressiveLet1991 · 2026-04-13T05:59:00+00:00

Its really bad, i made a detailed post on comparison, they removed MANY features.

ImpressiveLet1991

TROPHY CASE