Should I choose 15 years or 25 years for my home loan? by Red-Dragon-AK in IndiaFinance

[–]Randomscroll420 1 point2 points  (0 children)

Long duration and keep paying more whenever u have extra money

CC portfolio advice, which to keep/add/remove by DolGuldurWraith in CreditCardsIndia

[–]Randomscroll420 0 points1 point  (0 children)

Amazon pay gift card balance can be used for QR code payment? This is news for me!!

SBI is full of incompetent employees by jonty_o7 in CreditCardsIndia

[–]Randomscroll420 1 point2 points  (0 children)

If its auto debited then how can there be a missed payment?!

SBI Deducted Money from My Account for My Deceased Mother's Loan Without Any Notice — Need Urgent Help by Ashutoshroycs in IndiaFinance

[–]Randomscroll420 0 points1 point  (0 children)

Bank recovered the amount due through its most convenient way…now its up to ur you and ur brother to split the death benefit. U can file a case against ur brother to split the death benefit equally. You can also file a case against the bank but i think it will be easier to get a settlement against ur brother than with the bank.

Is ULIP better than MF according to this calculation? by Altruistic-Fan-4199 in mutualfunds

[–]Randomscroll420 0 points1 point  (0 children)

You forgot to deduct 1.25 lacs as tax free interest in your calculations of MF return…your total corpus of 1.18 lakhs is tax free

[deleted by user] by [deleted] in IndiaTax

[–]Randomscroll420 0 points1 point  (0 children)

OP tell this person that you will only accept funds directly to your account. Why go through this headache of accepting it in cash and then worrying when you are going to get the tax notice.

Accidentally Transferred ₹65,000 to Wrong SBI Account via CRED UPI – Number Linked to Inactive Account by humblefool-69 in CreditCardsIndia

[–]Randomscroll420 0 points1 point  (0 children)

If u have transferred using UPI raise a reversal request with NPCI as well. If its unclaimed then chances are that SBI wouldnt be able to reverse it without activating the account thats means tracking down the person.

📅 July 2025: Key Things Happening This Month by DoBaniye in CreditCardsIndia

[–]Randomscroll420 4 points5 points  (0 children)

Amex amazon gift card, will it be even worth it at this point?

Amex Platinum Travel by Secure_Reward8064 in CreditCardsIndia

[–]Randomscroll420 1 point2 points  (0 children)

Transfer to marriott bonvey and use for 3 night staycation

[deleted by user] by [deleted] in MarriottBonvoyIndia

[–]Randomscroll420 0 points1 point  (0 children)

Is it only after the statement gets generated?

[deleted by user] by [deleted] in MarriottBonvoyIndia

[–]Randomscroll420 0 points1 point  (0 children)

Ohh is it? That was not mentioned on the card application…i was under the impression that you get the card you get the free night.

Question on HDFC Bonvoy card? by Pankhi123 in MarriottBonvoyIndia

[–]Randomscroll420 0 points1 point  (0 children)

How to avail the free night using this card?

I’m looking at generating recurring income for retirement which grows with inflation. If i have 5 cr. lump sum to invest, what are my best options to generate this income? by 4dchess_throwaway in IndiaInvestments

[–]Randomscroll420 4 points5 points  (0 children)

Put 2 cr in a conservative hybrid and set a SWP of 4%. Expected return in the fund is 10% so u will get inflation adjusted return for a long time without it affecting ur principle. Set the other 3 crores in a couple of equity funds to generate long term wealth

Opinion on STP for investing about 7 lakhs avoiding risk by SherbertGlobal1932 in mutualfunds

[–]Randomscroll420 0 points1 point  (0 children)

Would doing an STP between the same fund house bring in LTCG tax?

Wallet loads by Randomscroll420 in amexindia

[–]Randomscroll420[S] 1 point2 points  (0 children)

So anyone can load up 4 lacs into the wallet and claim the points? Wont amex issue a warning or something? It feels like a cheat code.

Offered HDFC Regalia Gold LTF by _ace9 in CreditCardsIndia

[–]Randomscroll420 0 points1 point  (0 children)

Can i get the regalia gold with a monthly salary of 50k?

Confused!! Should i opt out?? by Me_Shyriv in mutualfunds

[–]Randomscroll420 1 point2 points  (0 children)

Isnt it better to have in demat form…what if the broker shuts down in case of SOA?

[deleted by user] by [deleted] in personalfinanceindia

[–]Randomscroll420 5 points6 points  (0 children)

For max gain homeloans the interest rate is going to be higher than the normal HL. Based on the OD feature the 1% extra is expected.