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Recent content by John Since

  1. J

    SA with high interest rates or a bank FD?

    You can open it online. Unity small finance bank is incorporated by taking over a failed bank called PFC bank of maharastra and no physical branch support across the country mostly. In case of account freezes, you will be going through a hassle.
  2. J

    SA with high interest rates or a bank FD?

    With that big an amount, will you face safe parking them with small finance banks which are new? I would trust fund houses like SBI, HDFC, UTI, ICICI, Kotak etc to park such funds with them which is anyday better than parking them with some newly incorporated banks. This is my view.
  3. J

    Kotak Bank Froze My Account Without Notice & Forcing Me to Close It – Need Advice!

    This is true. Happened with my old kotak account. Used to immediately get transaction verification call for fraud monitoring after decline. Had to close the old account and open a new account with kotak.
  4. J

    SA with high interest rates or a bank FD?

    Last 3yr CAGR is around 7% with no TDS hassle. BTW which reputed bank provide 7.75% on savings given you want to park in lakhs? Only above Rs.10 lakhs you get 7.25% which will average out in liquid fund on first 10 lakh slab. One more option is Gilt Funds given the scenario of reducing repo...
  5. J

    SA with high interest rates or a bank FD?

    If you don't want to go thru the hassle of opening multiple bank accounts just to earn some interest according to the slab rates which are lower and some SFB's provide 5% on first slab which is also relatively lower, then I suggest you to park those funds in some liquid fund which can be...
  6. J

    I am Once again looking for a Perfect UPI App - Query & Discussion

    I dont think so.
  7. J

    I am Once again looking for a Perfect UPI App - Query & Discussion

    You can always crop the screenshot right
  8. J

    I am Once again looking for a Perfect UPI App - Query & Discussion

    Bhim app is the best in market right now. No ads. Swift UI and good cashbacks. Customised UPI Id. Can download the transaction history since the beginning of the app.
  9. J

    Kotak Savings Account without Annual Debit Card Charges

    A week back, I got it done.
  10. J

    Kotak Savings Account without Annual Debit Card Charges

    New account can't be opened under solo savings variant. However, you can convert your existing kotak account to solo savings variant after 6 months from the account opening.
  11. J

    HDFC Savings Account - Query & Discussion

    How many bank accounts to be opened in this process? It will be a never ending process if we keep shifting just for the sake of higher interest rates. Best park them in debt funds where there is no risk linked to market and withdraw whenever needed. No headache of TDS. No chik chik of bank...
  12. J

    HDFC Savings Account - Query & Discussion

    Why do you want to keep it in auto sweep? Just park those free funds in some liquid fund or gilt fund.
  13. J

    Indusind Bank Non Mantainence Account Offer

    I have opened 2 add-on accounts and was never charged NMC.
  14. J

    True Zero Balance Accounts

    May be still not available for android 15. I'm using it on 14 and works fine.
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