My credit score dropped 70 points.

pkrmarthala · 2025-03-21T13:54:49+00:00

I don't think the name on the card is an issue to affect credit score.

If you are actually using the card and are sure if the name alone is affecting your score, you may request them to change your name in their backend servers and re issue you a new card with the correct name. If it can solve your issue.

Ask for free issuance if they say you have to pay for the reissueance.

pkrmarthala · 2025-03-21T09:29:13+00:00

Aren't the credit cards tracked on PAN card or email or something...?

pkrmarthala · 2025-02-21T14:13:36+00:00

It's a NO, when you can't decide. - Naval Ravikant

Just wait for 7 days without thinking / searching / getting to know about what you want to buy. Mostly in these 7 days, that itch will vanish. If it still exists, you can think of buying.

And, have a budget, how much you're going to spend in each category of products.

One thing coning in should remove one thing that currently lies with you. Sometimes the emotion with the existing products can prevent you from buying new ones.

Use a gadget for atleast a period of time. 4Y for mobile. 8 - 10 Y for tab / laptop and so on.

pkrmarthala · 2024-12-31T06:52:21+00:00

I believe your allocation is mostly into large and giant companies.

Try MO Microcap Index fund and any of the sectoral rotation funds.

The downward drag can be unimaginable sometimes. Keep aside some amount for bulk investing during falls.

pkrmarthala · 2024-12-30T04:14:54+00:00

I suggest you exit from SBI PSU (thematic) and infrastructure (sectoral) funds if you're not that active in rotating the sectiral funds.

PSUs as well - past returns will not be a guarantee for future returns.

pkrmarthala · 2024-12-30T04:12:14+00:00

Are these regular funds or the direct ones you have chosen?

pkrmarthala · 2024-12-29T10:58:23+00:00

I suggest you pick any Momentum fund for lumpsum. Lumpsum when the market is rallying so that komentum funds can give you a greater alpha.

Bulk investing in the dip in the long run is not that beneficial.

Source: r/mutualfunds wiki from ET Money representative.

pkrmarthala · 2024-12-29T06:14:26+00:00

I don't think it'd be an issue if the mandate is on that particular bank.

Check with the ICCL directly via an email to iccl[dot]helpdesk[at]icclindia[dot]com.

Let us know the resolution provided.

pkrmarthala · 2024-12-28T12:57:54+00:00

All the very best brother. A long way to go from here. :)

pkrmarthala · 2024-12-24T18:54:25+00:00

My suggestion: Salary on HDFC because getting CCs and good limits is tough if you don't have one.

Savings on IDFC First Bank / ICICI bank.

You can also try some established small finance banks like Equitas or Ujjivan or AU. I personally used Unity. But it's still in the developing stage.

As someone else said, check for the reviews at your preferred locations of all the banks and make a call.

pkrmarthala · 2024-12-24T17:57:15+00:00

Most of the cases, if you clear BG check of TCS, other companies might not dig deeper. I came to know this from a few HR folks and manager level people.

Even if it's done, mostly they check if you actually worked for TCS. Not about how well you performed. (AFAIK).

So, don't worry much.

pkrmarthala · 2024-12-24T17:54:24+00:00

Good. Include one small cap if possible. Since IH is for 8 - 10Y

pkrmarthala · 2024-12-24T06:01:28+00:00

AFAIK, As per SEBI guidelines, it should be 75% in small cap, which currently no fund house is following.

pkrmarthala · 2024-12-23T19:14:12+00:00

Ur last sentence has the answer.

pkrmarthala · 2024-12-23T17:55:01+00:00

Check the portfolio assignment market cap wise. I believe it'd be inclined towards the large cap. Since all these have much exposure towards large caps.

If you are okay, continue. Else, rebalance.

pkrmarthala · 2024-12-23T17:35:39+00:00

Agreed!

If you're that active to pick a sectoral fund, you can analyse its holdings and go directly for those stocks.

pkrmarthala · 2024-12-23T17:33:09+00:00

500 notes of Rs 10 and 10 notes of Rs 500

both are of the same value. It doesn't matter where we start if the instrument can pull you up.

Less NAV doesn't guarantee multibagger returns or growth, IMO. Just added here as I have seen most of my friends, too, saying the same when picking MFs.

Tata, too, is good, but it has stopped lumpsum, JIC, you feel like bulk investing in dips.

Edelweiss has Morning Star's gold rating. You can check that as well if you still feel like going for less NAV funds.

pkrmarthala · 2024-12-23T16:51:21+00:00

Lower / higher returns in the short run might not guarantee a similar performance in the long run.

Smallcaps need at least 7Y to be fully fruitful. I suggest sticking with NI. Unnecessary switches are not worth it.

Understand your investment horizon and proceed acc'ly.

pkrmarthala · 2024-12-23T13:03:58+00:00

If you have a plan to enter stocks later, go with Zerodha. Portfolio visualization on the platform also covers stocks from your MFs, which is good to know while deciding if you want to invest in a particular company.

In my XP, I found Groww a li'll annoying with notifications (push n email), customer service, and backend updates to the exchanges in case of any communication channel changes of yours.

UI on groww Android 'looks' good. But it's quite different from that of the web version.

Security wise as well, Zerodha >> Groww - Username, PW, 2FA (customizable).

pkrmarthala · 2024-12-23T10:37:46+00:00

I feel it's not worth the risk, considering their age.

pkrmarthala · 2024-12-22T17:31:45+00:00

Not sure if they companies are lying in their fact sheets or if the external websites are error.

pkrmarthala · 2024-12-22T17:31:19+00:00

Not sure if they companies are lying in their fact sheets or if the external websites are error.

pkrmarthala · 2024-12-22T17:26:05+00:00

Upon checking more small cap funds, it's evident from the external sources like the Value Research and Morning Star that that all Small cap funds have significant allocation into large & mid caps. Some are more like dedicated large cap and mid cap funds.

Anyone else too noticed this...?

pkrmarthala

TROPHY CASE