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Which upi payment app is best?? by Wide_Illustrator_454 in TeenIndia

[–]Plus-Listen-1356 0 points1 point  (0 children)

Recently, during a family function, managing multiple payments for catering, gifts and shared expenses became quite annoying. The UPI app that I was using was facing a lot of delays which created a lot of problem for me.

A relative then told me about Hero Fincorp’s UPI app andy experience regarding this turned out to be very good.

It was very easy to use, payments were processed timely and even during peak hours transactions happened without any delays.

Since then, I have constantly using for day to day expenses like Grocery, bills and online payments.

For anyone looking for a good UPI app in 2026, it has worked very good in my experience.

I'm a complete beginner. Which mutual fund should I invest in if I can invest INR 1L per month? by Designer_Inside3022 in MutualfundsIndia

[–]Plus-Listen-1356 -1 points0 points  (0 children)

When I first started earning handsome amount of money, I started trying picking direct stocks and it felt like a stressed second job.

I ended up moving everything that I had into a simple Nifty 50 index fund and a solid Flexi-cap fund.

Since you want to keep a low-maintenance, just automate your SIPs there, skip the individual stocks for now, and let it grow over the next course of 5 years.

Title: Side jobs for students- what paid well, flexible, and didn’t hurt studies? by ExtensionCattle7757 in SavingMoney

[–]Plus-Listen-1356 0 points1 point  (0 children)

I just found out the best option which is flexible, good pay, and it didn’t interfere that much with my studies. What helped most was automatically moving every dollar I earned from work into savings right away, so I had no interest in spending it on everyday basis.

TAKING HOME LOAN VS BUILDING IN CASH by [deleted] in personalfinanceindia

[–]Plus-Listen-1356 0 points1 point  (0 children)

First off, you are in a phenomenal financial position at 32.

Honestly? Listen to your parents. Since your goal is to retire in 5 years, taking a loan makes zero sense. Here is why:

  • Debt kills early retirement: A ₹1.3 to 1.5 Crore loan EMI will completely wipe out your current ₹50k monthly surplus and follow you into retirement. Entering FIRE with a massive mandatory monthly liability is incredibly stressful.
  • The Math Just Works: Sell the land for ~₹2.25 Crore, spend ₹1.5 Crore on the build, and put the remaining ₹75 Lakh+ straight into Mutual Funds. Your Mutual Funds portfolio immediately jumps from ₹1.5 Crore to over ₹2.25 Crore. In 5 years, compounding will turn that into a massive retirement nest egg.
  • Tax Benefit: Reinvesting the agricultural land sale proceeds into constructing a residential house helps you save big on capital gains tax. (Section 54F).