India Investments

India Investments is a community to discuss investments, insurance, finance, economy, and markets in India.

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India Investments

India Investments is a community to discuss investments, insurance, finance, economy, and markets in India.

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fundamental-analysis

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Broken Nokia

3/2/2025

Broken Nokia - Accidentally placed an order for...

Accidentally placed an order for a mutual fund. I don't see an option to cancel it, will it be deleted if payment isn't made for a few days?

Solution:

Yup. It will be autocancelled if you don't pay

Ajax

2/19/2025

Ajax - https://www.youtube.com/watch?v=Nv5CiRSC...

https://www.youtube.com/watch?v=Nv5CiRSCVxA Does this apply for the Indian Market too? Tl;dr The video talks about how Index funds are the most sensible option for most investors, going over a lot of research that supports his statement...

hungryMonkey

2/19/2025

labrat - Ive been receiving an email from Zerod...

Ive been receiving an email from Zerodha titled - "Segregation and Monitoring of Collateral". This only started few weeks back. I couldn't understand clearly if there is an action needed. Anyone knows what this means?

Ajax

2/16/2025

Ajax - Looking for a resource where it has ever...

Looking for a resource where it has everything I need to know about when it comes to investing in FDs and it's variants I already know the basics but wanted to see if there's one that puts everything together without any bias...

Solution:

Note that if you are earning you should not have much in any form of fds in the first place (also, it would not be a significant portion of your total investment anyway).

Well my brother's insisting on it despite me showing how Liquid MFs are a much better option for short term investing sooo, since thats what seems to let him sleep at night I don't have an option Thanks!...

Oshkit

2/12/2025

Oshkit - Please guide me on this. Suppose I inv...

Please guide me on this. Suppose I invest a lump sum amount in mutual funds for 1 year. And after completing 1 year I decide not to withdraw the mature amount. What will happen to it ? Will it stay invested along with the interest or will it stay invested without the interest or will the mature amount remain the same without staying invested ? (Ps : investing through kuvera)...

Ajax

2/3/2025

Ajax - Is this fund still worth getting as thei...

Is this fund still worth getting as their fund managers have changed recently (The last this guide was edited was around 2 years ago by the looks of it)? I don't have enough time to cover everything needed to pick a MF atm so I want to pick something and learn about judging them on the way I already have 20k invested in ICICI Liquid fund for context, I'm moving my 20k from PFFAS Flexi Cap to another fund as I'm not ready to wait long enough for it yet...

Ajax

2/1/2025

Ajax - How risky it is to invest in these funds...

How risky it is to invest in these funds even if I might need it in 2-3 years because of the higher returns? I understand that temporary reductions in value or worse (Like covid) can happen but I want to know how bad it'd be. I'm currently investing in Liquids funds too and plan on using it to stash away excess funds and funds I might need in a few years but just wanted to understand the risks of investing in Flexi and Multi asset funds in a shorter period like 2-3y....

Solution:

On second thought, it seems self explainatory. The liquid fund I'm investing in is icici's so im thinking of investing in their banking and psu fund instead or parag's hybrid

Ajax

1/17/2025

Ajax - The main difference between post office ...

The main difference between post office FDs and banks is the extra layer of security the former has and the slightly higher int rate post office offers on average while banks are more convenient right? I looked up a bit on the topic but want to make sure I didn't miss anything else...

Ajax

1/16/2025

Ajax - Why is the XIRR so high here? I only bou...

Why is the XIRR so high here? I only bought these MFs a few days back I looked it up and what I understood was it takes into consideration different purchase prices at different irregular times but still doesn't make sense why it's this high...

Solution:

(X)IRR is typically used to calculate an annualised rate of return for investments at different points; it therefore gives wonky numbers when the entire period is under a year. It becomes more useful as time goes by.

darthvader

12/30/2024

darthvader - Hi, I'm 19 and I've saved 20k from...

Hi, I'm 19 and I've saved 20k from various places and it's just sitting in my student bank account which provides very very low interest rates. I want to invest it somewhere where I get at least some decent returns. Also it'll save it from being spent on unnecessary things. I don't know anything about investing. If someone could guide me what i do with this money it'll be a huge help. I don't have an income and it's just a one time investment. Also I want to invest it somewhere from where I can...

Solution:

If you are a college student, then spending the money on courses, trips, and books will not be a waste. Instead of trying to optimize the investment strategy for Rs 20k, I would suggest to use it as a leverage to increase your earnings in the future. Spend on things that will help you learn, help you grow and get a good job/start a business. ...

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Oshkit

12/26/2024

Oshkit - Need Help regarding kuvera app keyword...

Need Help regarding kuvera app keywords. What is the meaning of this "All" in the screenshot....

Solution:

Since inception of the fund -- "all time"

Wrichik Basu

12/6/2024

Wrichik Basu (ping on reply pls) - I have a que...

I have a question regarding this IRDAI circular (no. IRDAI/HLT/REG/CIR/176/ 09/2019): https://irdai.gov.in/document-detail?documentId=392476 In annexure I, the circular says the following:

1. On a review of the list of items it is decided to classify the existing ‘Optional Items’ into the following categories. - LIST– I:: Items that may be retained ‘as it is’ as optional items – Items specified in the list are the Optional Items to which Insurers may offer coverage. - LIST– II:: Costs that are to be subsumed into the Room Charges – Items specified in the list shall form part of room charges...

Solution:

Hi, If you didn't take an addon that covers these items listed in various lists then you have to pay for it. Otherwise insurers pay for it if the addons are taken. Let me know which policy you got so I can help you better ...

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Ajax

11/30/2024

Ajax - Are these funds still okay to invest in ...

Are these funds still okay to invest in as a complete beginner till I get a better knowledge of MFs or is there better options? Since the "Zero to investing" section stated that it is in need for an overhaul

WilfredAlmeida

11/19/2024

GujjuRider - Which bank has lowest SWIFT charge...

Which bank has lowest SWIFT charges and good conversation rate for current accounts? I get paid in USD and have registered a GST number and now need to open a current account. Which bank would you recommend based on your experience?...

_kneeshaw

11/19/2024

_kneeshaw - Hey everyone! A rookie here , need ...

Hey everyone! A rookie here , need some tips regarding investment For context I am 17 M studying in clg , I get a fixed money from my parents and monthly I save around 1500 or more after my expenses , I want to start investing early, ik it may sound funny of just investing 1.5k monthly but I would invest rather than wasting money on unnecessary things cuz I have a bad habit of wasting money , so the question is should I start my SIP or buy stocks in different sectors monthly ??...

Solution:

Don't buy stocks in different sectors. Buy an index mutual fund (like Nifty 50). These are cheap and track the largest companies on the market. The issue w/ investing in different sectors is that you're not a sector expert and different sectors may move up and down wildly compared to a large-cap index which represents multiple sectors and is much more stable (since loss in 1 sector might be cancelled out by growth in some other sector). Also, you'll need to waste time with analysis which isn't worth it for such small amounts. Note that all equity investments should ideally be held for 7-10years. Don't just sell things off if they're down a bit....

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WilfredAlmeida

10/21/2024

GujjuRider - Is it possible to increase the lim...

Is it possible to increase the limit of IDFC WoW Credit Card beyond 1L? I'm ready to put in the FD.

Saketh

10/20/2024

Will there be any charges in Groww App?

Solution:

Hello, I am new to everything here. I just started learning investments and mutual funds. I don't even fully know yet how they work. Alot of people said Groww is a good app. So downloaded it and it asked for so many details and I completed everything like an idiot including bank verification and PAN. But I stopped at aadhar KYC. Will they charge me anything now or in future? I am not planning to do any investment as of now as I am still student.

WilfredAlmeida

10/8/2024

GujjuRider - Every platform is denying me a cre...

Every platform is denying me a credit card I'm trying to get a forex free card. I've filled my ITR for the past 3 years and the income last year in ITR is over 6L I have a Niyo Global debit card. It's credit card partner bank is denying me an account...

Wrichik Basu

10/8/2024

Wrichik Basu (ping on reply pls) - Need some ad...

Need some advice. When I am sticking a revenue stamp to an invoice, do I have to cross sign over it, or just sign above and paste the revenue stamp below the signature?

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