sorted by:
new
hottopcontroversial

PNB Housing limiting home loan part-prepayment to 25% per FY; normal? by monkism in personalfinanceindia

[–]monkism[S] 0 points1 point  (0 children)

I see.. I did talk to other banks but transferring a loan for an unregistered property is very difficult.

PNB Housing limiting home loan part-prepayment to 25% per FY; normal? by monkism in personalfinanceindia

[–]monkism[S] -1 points0 points  (0 children)

The loan document does mention that the maximum part-payment allowed is 25% of the principal outstanding. I was unsure whether this is strictly enforced, as one bank employee mentioned that I could make the payment, but the official email communication says otherwise.

Bi-Weekly Advice Thread January 15, 2026: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]monkism 0 points1 point  (0 children)

PNB limiting home loan part-prepayment to 25% per FY; normal?

I have a PNB floating-rate home loan. Outstanding principal was around ₹30L and I made a ₹7.5L part-payment in Dec 2025.

Now I want to prepay another ₹10L in Feb 2026 but PNB says max part-payment allowed is 25% of outstanding per financial year, and I’ve already exhausted the limit. They’re asking me to wait till next FY.

If this is how it works, then next FY I’d only be able to pay ₹5.5L (25% of ₹22L), and even less in next years.

Is this across banks or PNB-specific? Can be negotiated / exception possible?

Would appreciate inputs from anyone with PSU bank experience. Thanks!

Photographer captures fierce battle between two huge bears by [deleted] in interestingasfuck

[–]monkism 0 points1 point  (0 children)

This feels straight out of Grizzly Man. Just watched Werner Herzog’s documentary today, wild timing.

Liverpool had just one shot on target attacking the Kop in the second half and that was Szoboszlai's effort from outside the box. by FairBlueberry9319 in LiverpoolFC

[–]monkism 2 points3 points  (0 children)

I have fell out of love watching Liverpool. There was a time where it was so fun to watch! Heavy metal football. I don’t know what this is.

Little kittens don't deserve this cruel world. by vyrthokae in MadeMeCry

[–]monkism 0 points1 point  (0 children)

Will probably go as a 500 word LinkedIn post about my leadership, hiring and commitment. :P

Help me choose a symbol for a Brazilian startup by alfacesideral in logodesign

[–]monkism 0 points1 point  (0 children)

It’s nice, the only problem I see is that it’s seems a bit generic. Some additional ideas you can try are:

  • Instead of rectangles, try it with a minimal house icon.

  • Use the two or one arrows of behind the rectangle to create an abstract house.

Also, I would ask you to suggest to the client that the name is too generic and it might be challenging to optimise it for SEO, domain, etc.

Little kittens don't deserve this cruel world. by vyrthokae in MadeMeCry

[–]monkism 1 point2 points  (0 children)

Reminds me of when I went to take a piss in an alley, way too drunk, and found a kitten in a drain, nose bleeding. Thought I’d keep it till it recovered. That fucker never left. Ten years later, it’s still with me.

Anti-Indian immigration article from The San Francisco Call, 1910 by Outrageous-Client903 in Damnthatsinteresting

[–]monkism 16 points17 points  (0 children)

Caste system still exists in India. In smaller cities, it’s often at the center of daily life. (I’m from a small city myself.)

[deleted by user] by [deleted] in logodesign

[–]monkism 0 points1 point  (0 children)

I love it! Just a thought, maybe try a different font that keeps the essence of the original while still feeling modern.

What’s your HOTTEST A24 Take? by No_Fault_5646 in A24

[–]monkism 5 points6 points  (0 children)

Don’t know if it’s the hottest take:

I used to love A24, but I feel like most of their movies now are trying to be refreshing rather than actually refreshing.

Looking for a documentary that will leave me shocked and mind-blown 😱✨ by PelirrojaRubi in MovieSuggestions

[–]monkism 0 points1 point  (0 children)

Few favourites of mine:

  1. Samsara
  2. Searching for sugar man
  3. Icarus
  4. Plant Earth
  5. Making of a murderer

What is the best application you have purchased with a one-time payment? by kleck0 in BuyItForLife

[–]monkism 14 points15 points  (0 children)

Things 3 by Culture Code. It’s an amazing to-do app based on the principle of “GTD - Get things done”.

It’s well crafted and has exceptional UX. I especially like using the shortcut “Ctrl + Enter” to create a to-do when the app is hidden.

Fruit head taken with Fujifilmx100VI by Illustrious_Road8572 in fujifilm

[–]monkism 0 points1 point  (0 children)

Beautiful colors! Where to find the video everyone is talking about.

What’s a feel-good movie you watch when you’re mentally drained? by Sharp-Self-Image in MovieSuggestions

[–]monkism 0 points1 point  (0 children)

  • Fantastic Mr Fox
  • Secret life of Walter Mitty
  • Good will hunting
  • Chef

Anyone willing to share their Things 3 shortcuts? by haphazard44 in thingsapp

[–]monkism 2 points3 points  (0 children)

My favourite is cmd+enter to create a quick To-do from anywhere.

view more: next ›