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

ask-anything

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?

neutrino

9/17/2024

neutrino - @KillerX you really need to starting...

@Killer_X you really need to start using the threading feature in this channel. 😅

Abhinav

9/17/2024

Abhinav - I am currently in class 12th in India...

I am currently in class 12th in India and will be joining a college for Engineering next year. my family conditions are somewhat ok but i want to be self sufficient during and after my college so that i can pay for my own miscellaneous needs and can sustain myself before getting a job .I am interested in investing and finance but have zero knowledge about it. I need help regarding these points. 1)What are the ways to earn money as a college student in India....

Solution:

Go through Zerodha Varsity to get an idea on what investing in the markets is about.

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