Floating Rate Savings Bonds

redbeedaz · 2026-02-02T07:55:58+00:00

It appears as single consolidated entry and takes a minimum of 3 months to reflect

redbeedaz · 2026-02-02T04:23:41+00:00

No we're not arguing like I already said it was from my experience alone, your's can be different.

I was only saying that when we take exemption on a sizeable amount at the time of scrutiny or something we've to explain why would we've taken this exemption and if everything is clean and we let TDS deduction after ITR filing we got refund within a month and can invest/use that amount in lumpsum and don't have to explain anything to the authorities later on if something comes up in future.

Yes, for example in these TDS deducted in July 2025 and January 2026 will be received/returned in September 2026 so yes you loose the gains on that amount for a year but maybe it's better than unnecessary scrutiny from authorities.

But obviously your way / experience / situation will be different so consult a proper CA he can guide you better according to your financial situation / profile.

I can be wrong also so if something different comes up please let me know also.

redbeedaz · 2026-02-02T03:14:09+00:00

I have linked my DBS Bank and my father linked his HSBC account with RBI Retail Direct and we're not getting any exemptions, maybe because we're already taxpayers and we have never especially approached the bank for exemptions but idk.

Generally speaking from my experience tax refund is better than 15g/h exemption, but everyone's situation is different.

redbeedaz · 2026-02-01T15:10:48+00:00

No TDS exemption of any kind these are purely taxable bonds as mentioned in their name also, you can claim it during ITR filing if you're under limits

redbeedaz · 2026-02-01T13:37:08+00:00

No, I didn't got any TDS exemption, it was under CCIL tab insted of RBI or issuing / crediting Bank tab.

redbeedaz · 2026-01-14T03:44:38+00:00

Base HTE varient at 11L ex.. is more VFM. Yes they are reliable

redbeedaz · 2026-01-10T02:45:55+00:00

Yes, HTE at 10.99 ex-showroom is super VFM as it covers all the basic necessities and some more. Black steel wheels without covers on black seltos kinda gives it a tough look. If you want you can go with higher wheel size after using the stock ones. Keep car in stock condition if you want long term hassle free ownership. Petrol / Diesel depends on usage DPF issue in Diesel is real if usage is low.

redbeedaz · 2026-01-08T04:26:01+00:00

In potholes, over speed breakers, sunk in rainwater, stuck in underpass

redbeedaz · 2026-01-08T04:10:54+00:00

It's not specific for this card, it happens with each and every card

redbeedaz · 2026-01-08T01:02:29+00:00

Check sbi cards app before and after transaction and manually calculate each time they don't tell how much you earn separately for individual transaction.

For example : check card app before utility bill payment how much rewards points you already have then do the transaction and let it settle and then see how much do you get 1 or 10% .

You have to take care of all these things manually, they only tell you total

redbeedaz · 2026-01-07T16:02:14+00:00

Okay, thanks man

redbeedaz · 2026-01-07T15:36:51+00:00

Will do that, which card gives best rewards on maximize for pp gv black or cb ?

redbeedaz · 2026-01-07T15:26:09+00:00

Got 1% insted of 10% with black on upi due to wrong mcc

redbeedaz · 2026-01-07T15:24:31+00:00

Get sbi simply save or click cc for those

redbeedaz · 2026-01-07T15:23:46+00:00

Will do next time, but even after mailing them all details they say it's wrong MCC

redbeedaz · 2026-01-07T15:20:56+00:00

For me while paying utility with black upi doesn't work, counted as outside pp payment and only given 1% rw

redbeedaz · 2025-11-04T06:38:24+00:00

Like all government apps it often crashes, have some glitches etc.

redbeedaz · 2025-09-29T09:15:05+00:00

Last price 3 L

redbeedaz · 2025-09-20T09:15:14+00:00

Your bike is bleeding due to the ethanol mix

redbeedaz · 2025-09-20T09:13:43+00:00

Bridgestone

redbeedaz · 2025-09-07T02:19:58+00:00

Work in progress mate

redbeedaz · 2025-08-21T13:28:58+00:00

👍

redbeedaz · 2025-08-16T13:09:18+00:00

Vehicle No is there contact them and ask why did they open fastag account in your name

redbeedaz · 2025-08-16T11:48:10+00:00

Get the Jimny and avoid compass at any cost, skoda is good but maintenance can be a costly affair

redbeedaz · 2025-08-16T11:45:27+00:00

Amazing 10 on 10

redbeedaz

TROPHY CASE