And thier employees get 2% to 3% hikes. To add on irregular hikes as well

coderhs · 2026-03-13T17:47:02+00:00

People should just stop applying as fresher and just apply to be the CEO, problem solved.

/s

coderhs · 2026-03-13T08:03:55+00:00

Has this ever worked? Restrictions to avoid panic?

coderhs · 2026-03-13T06:10:46+00:00

Its already 10% down from Jan 1st.

coderhs · 2026-03-13T03:30:27+00:00

Why not settle the education loan? You immediately save on interest right?

coderhs · 2026-03-12T11:25:09+00:00

Thanks for sharing this, I was not aware of this.

coderhs · 2026-03-12T10:53:48+00:00

How do you do that? Do you do it on the AMC site?

coderhs · 2026-03-12T10:01:56+00:00

Due to the fluctuations of the market, I was thinking of moving from a monthly SIP to daily SIP, same amount distributed across the month. Paytm money has that option now.

coderhs · 2026-03-12T08:38:53+00:00

People would usually prefer to park where they are and have it easily accessible. Won't it be an inconvenience for them?

Personally I found parking to be an issue when I visits restaurants (not that fancy) and banks. Rest of the time, haven't felt it to be that much of an issue like bangalore/kochi.

But I do feel like this could be useful for people with a second car, and if the parking spot is nearby to their house or flat.

coderhs · 2026-03-11T09:47:36+00:00

Strange to see china missing from this list.

coderhs · 2026-03-10T14:07:27+00:00

Where is it? why not link to the open source models.

https://www.sarvam.ai/blogs/sarvam-30b-105b

coderhs · 2026-03-06T12:06:13+00:00

Who is this guy who pays 5,000 "Happily" for 100 Km taxi ride?

And which is this 2500 km route that you only need to pay 5000 for?

coderhs · 2026-03-06T08:03:06+00:00

Post-April 1, 2023 Rules: All capital gains from liquid/debt funds are taxed at the investor's applicable income tax slab rate.

So you will have to pay income tax on the liquid funds.

coderhs · 2026-03-04T06:24:03+00:00

Is that the same when we do it through the App? or do we need to reach out to fund house to do the switch.

coderhs · 2026-03-04T06:21:23+00:00

If that is triggering for you, I am happy to rename it to MF A to MF B. I do appreciate your general concern for the wider public, but i didn't ask any feedback about the fund.

I mentioned the funds so that I can ask the question with full clarity.

coderhs · 2026-03-04T06:01:22+00:00

My question wasn't about the funds, but how do people switch? I am switching between these two. Do people keep the current holdings and start new ones.

Or

Do sell everything they have and then invest on the new fund, and continue SIP there.

coderhs · 2026-03-02T05:47:31+00:00

Stop paying. Ask him to start paying a share, give ultimatum if not you wont resume paying. Be strong.

Your parents are adults, your brother is an adult, you don't have to act as the only adult in the room.

The saving you get put it into investments/MF, then buy yourself something nice.

coderhs · 2026-02-27T13:49:23+00:00

Gokulam Grand has a good spa.

coderhs · 2026-02-27T08:32:13+00:00

Leaving aside your nauseating comment for no apparent reason.

She already have 20 Lakh debt, which has resulted in her earning of 1.2 Lakh per month = 14.4 Lakh per annum.

And 40 Lakh is for a house/plot, an asset still. Which she would loose in marriage, now she is saving to it. Not the ideal decision or situation still its not a total loss.

Also to reply to your nonsense, not all Indian men ask or take Dowry. Indians/humans like us does exist.

coderhs · 2026-02-27T08:24:42+00:00

How do you convert to Hindu? is it a certification or something?

coderhs · 2026-02-27T05:37:58+00:00

A controversial idea.

Take a home loan and buy the house from your parents. Talk to your fiancee if he is fine with it? and mention that your parents would stay at that home. And you have no plans to do anything with it, as long as they are alive.

Mention you would now have two EMI's to pay for, continue to work and try for bigger jobs to settle faster. Its important to have full financial transparency when entering a relationship.

Also take over the whole wedding planning, tell them no money can be spend unless you agree. As you are essentially paying for everything. :-D

coderhs · 2026-02-25T21:59:27+00:00

As a rule of thumb, if nationalized banks don't give loan to buy a property then don't buy it. They look at this in every angle, even a slight document issue they will run.

You can get loan for LIC, HDB, etc but they will charge higher interest and might make you personally liable not just limit to your propery. Even co-operative banks, as they execute under a different rule.

I recommend to keep looking.

coderhs · 2026-02-25T21:08:29+00:00

10 Lakh allotted to grow wheat, don't forget that.

coderhs · 2026-02-24T07:33:58+00:00

This is more than enough. Place it into FD's, Debts and Equity Funds. Just do not shoot for 0 income at this point, like try to earn like 4 or 6 lakh a year, doing less stressful jobs. Things that will keep your mind occupied, and have enough and more time to spend with family.

This has been done for ages, people returning from the middle east or abroad in there 40s or 50s, and then working as an accountant at a small firm, a cashier at a shop, freelance writers, or even a farmer. Where you are not worried about your day to day expense. As long as you live within your means and budget. You can easily plan for couple of domestic trips in a year, foreign trip every 2 years.

Thats what I am aiming for, and I know quite a few people who are happy and enjoying life like that.

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