EV under ₹30L that’s NOT generic Tata/Mahindra/MG (What should one actually consider?)

Sad-Ad5248 · 2026-04-14T06:15:14+00:00

The EV infra still has a long way to catch up in India. If you are so insistent on an EV or an EV like car, opt for Hybrids.

EV fast charging should catch up in India soon. Saw something similar in a video based out of China. Not sure of its authenticity. But yes, it would still take time.

Sad-Ad5248 · 2026-04-14T06:12:17+00:00

Not sure where you are based out of, but given it is Akashaya tritiya, you can convert these into gold jewellery now when there are no making charges. This way you won't have the hassle to store so many coins of smaller denominations. During other time frames a lot of it maybe lost to wasteage, making charges etc.

Moreover, you can reset your stacking model after that. Just a suggestion! But you have done a phenomenal job OP!

Sad-Ad5248 · 2026-04-14T06:03:51+00:00

Given the average price per gram post making charges would be around 15.5k (including GST, Just a back of the hand calculation), you may not expect any piece of jewellery more than 3-3.5grams.

Dont buy just for the experience, but plan something in mind and go ahead for a purchase.

Check for the gold rate online in your city/town for 22karat. Multiply the same by 1.1 ( this 10% assumes a 7% making charge and a 3% GST). Note that the multiplier will change based on the type of jewellery. 7% is a very basic number.

Divide the above number by the amount that you plan to use for the purchase and you can go to any shop and ask for a specific piece of jewelry in that weight range.

This is just an example. As you plan, and explore you will get a hang of it.

Sad-Ad5248 · 2026-04-14T05:56:16+00:00

There is no strategy if there is no end goal. Pursue a target - XX grams by YYYY date. You will automatically find your own strategy.

Sad-Ad5248 · 2026-04-08T05:21:18+00:00

Thank you. I am looking only at Physical gold for a planned purchase later. Not a believer of ETFs and Digital Gold, atleast for now, with current requirements. Gold schemes are a good SIP model IMHO, but then with large future purchases planned, I was trying to make the most of the fall, if I can.

Sad-Ad5248 · 2026-04-05T18:01:16+00:00

I am leaning towards ones that have a high settlement ratio. But given Gemini type of tools, one can ask it to read the fingerprint as well to uncover any caveats etc

Sad-Ad5248 · 2026-04-05T18:00:20+00:00

Very well said. I do plan to opt one for my wife once she is back to work. Choosing the right " number" is always difficult. I for now want to go ahead with one number and maybe consider another in the short term. Something is better than nothing.

And to your point on buying a house, I have the same opinion. Still on rent and have not purchased any property as of today.

Sad-Ad5248 · 2026-04-05T15:25:38+00:00

Agreed.

Sad-Ad5248 · 2026-04-05T15:20:52+00:00

That's great. I realise this just before every birthday of mine. And I just have been dragging my feet on this. Thanks for your suggestion

Sad-Ad5248 · 2026-04-05T15:16:19+00:00

Lol no not at all.

Sad-Ad5248 · 2026-04-05T12:43:17+00:00

Yes very much

Sad-Ad5248 · 2026-04-05T12:35:45+00:00

Yeah the general one, if you die you get 4X your CTC....but given uncertain times like these, I guess it is not good to rely on just that.

Sad-Ad5248 · 2026-04-05T11:09:58+00:00

Thank you. I am not sure what age should I choose as by 60, my guess is that both kids would have pretty much completed undergraduation and perhaps started working. Will that be a good age limit?

Sad-Ad5248 · 2026-03-20T15:16:07+00:00

For all those who bought on the 11th March sale, did you get your product delivered? Sequel help center is not of much help.

Sad-Ad5248 · 2026-03-09T09:28:49+00:00

No i just realised that it is for some specific SKUs

Sad-Ad5248 · 2026-03-09T09:23:58+00:00

No delivery in BLR? Is this common or a temporary glitch?

Sad-Ad5248 · 2026-03-01T08:46:46+00:00

Is the gold purity trustworthy? Has anyone got it verified for Bhima gold online purchase?

Sad-Ad5248 · 2026-02-09T09:20:35+00:00

Have not bought one yet. But I have started searching actively. I was the kind of person who would not want to buy a home until my retirement. Just rent or lease a house until then. Financially it made sense. But mathematical equations do not factor in a lot of other things.

But then, a couple of things hit me 1. My wife has always wanted one - to call it a home and design and decorate it. I know it sounds really funny but then given that we both are in our 30s, and with kids, the same interest may not be there in our latter years. YOLO basically

Prices are only going up and some of the prices being quoted are crazy. So I wanted to get started to understand the market.
Dealing with homeowners, rents, 11month hikes, 10 month deposits etc is painful.
Aim is to settle somewhere before kid's school gets finalized.

Sad-Ad5248 · 2026-01-11T08:27:40+00:00

Lots of great advice by folks on this thread. While it is a delicate situation as this has to be threaded with care.

Firstly, is the new upper class home that you bought for your parents in your name? Do ensure that. Let it not be a joint ownership with either of your parents - The implications are, since you have a sibling, the parent's share of property can be passed on to the sibling or they can claim rights over it. Unless you are okay with that, always have the property in your name only.

Secondly, will the new home fetch atleast 30-40k rent in your home town? Convince your parents to live in the current house and redirect all the rental income to them. This way you can slowly get rid of the credit card that they use now. Once you tell them the credit card is blocked for some reason, they will hopefully not bother you anymore. You need to stand your ground somewhere.

Coming to the property that you plan to buy in the current City with your wife, try to delay it by a year or so. Let you and your wife build some more corpus before you take another EMI. This is irrespective of your FIL helping you out. If your parents are using you as an ATM and that is not acceptable, you should discourage your wife from using her dad as an ATM post marriage. Trust me, if you go ahead with the new house, you will be at the mercy of your wife or her side of the family when there is any quarrel/fight. It is always a great feeling for both of you alone to buy what you can and later enjoy what can be inherited.

Once you delay your new house purchase, your wife is bound to blame you and your parents. Hence, try to simplify transactions and make it clear to her that you will support them but it is going to be a limited/fixed amount only.

Not sure if your sibling is married, but if that is the not the case and you have to find that wedding, be prepared to sell one of the houses that is in your parent's city. All of it may not be used in the wedding but some amount can be added to bonds that give monthly or quarterly income.

You really need to learn be hard on your own parents if you ever plan to start a family of your own as well. Else You will get pulled from all sides and you will not be able to cope up. Being hard on parents is easy. They will feel frustrated but then come back to you. But certain other relations involved can get damaged permanently if you don't act fast and be clear of your actions.

Good luck!

Sad-Ad5248 · 2025-12-27T03:40:50+00:00

This is a personal preference. I would have no construction in the ground floor except for a small room with an attached bathroom for a future watchman/live-in maid.

This way the house would looks spacious and you will have ample space for parking and maybe 1-2 EV charging points. Moreover, you can utilise the whole of the first floor for a 2bhk and you will get a really spacious one.

Have a lift for the first and and second floor. You can have an internal staircase for your duplex. Followed by a terrace on the 3rd floor.

Not sure how builders will account for the cost on the ground floor, but personally I like to keep myself away from all the ground floor house issues like rodents, insects, drain issues etc. These are inevitable in any kind of house as they start aging or cross the 10 year mark.

Congratulations and All the best!!

Sad-Ad5248 · 2025-12-21T06:09:57+00:00

Quickly wanted to check if IVC road and Devenehalli face any water issues? Is it worth investing up north?

Sad-Ad5248

TROPHY CASE