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advice

  1. rajgopalsinghal1

    Is IndusInd Pioneer Account Worth It? Need Advice!

    Hi everyone, I’m considering opening an IndusInd Pioneer account and wanted your opinions on whether it’s worth it. The account requires maintaining an AMB (Average Monthly Balance) of ₹10L, and here are the main benefits they’re offering: Free Locker Facility Interest Rate of 7% on Savings...
  2. lokii

    Need Health Insurance Advice for Parents (Pre-existing Conditions)

    Hi everyone, I'm looking for advice on health insurance for my parents. My dad is 49 with high blood pressure, and my mom is 46 with diabetes. They have government insurance, but for serious medical issues, we prefer private hospital care. I'm searching for a plan covering pre-existing...
  3. M

    Need Advice on Choosing the Best Mortgage Loan for ₹45 Lakh (5-Year Tenure)

    I’m planning to take a mortgage loan of ₹45 lakh for 5 years. I’d like to know which bank or financial institution offers the lowest interest rates and the best terms. As I’m new to this process, I would appreciate guidance on what key parameters to consider when comparing offers from two or...
  4. mohitkamboj007

    Home Loan Top-Up and Balance Transfer Advice Needed

    Hello Technofino Community, I currently have a home loan with ICICI Bank that was taken for purchasing an empty plot. The current interest rate on this loan is 9.4%, and I am exploring two options: Top-Up Loan: Is it possible to top up my existing home loan with ICICI Bank for additional...
  5. M

    Seeking Advice: Should I Open a Savings Account at Utkarsh Small Finance Bank Before FD?

    I’m planning to do a Fixed Deposit at Utkarsh Small Finance Bank, but the bank executive is suggesting I open a savings account first. They mentioned that the minimum average balance required is ₹5000 quarterly, but no charges will be applied. I don’t need a debit card or any additional...
  6. M

    Need advice: buy a car-sedan
    Threadmarks: car

    Looking to buy a car-sedan. This would be our first car. My wife would be the primary driver. I am hoping I would be keen to learn car driving in the future. Have driven Activa till now. Mostly will be using in the city for errands and sometimes outstation trips. We are not sure yet how much...
  7. yuvi004

    Seeking Advice: Using RBL Super Card Reward Points for Bajaj EMI Down Payment?

    I recently discovered something interesting about the RBL Bajaj Finserv Super Card and wanted to check if anyone here has experience with it. My dad has accumulated over 50,000 reward points on his RBL Super Card, which are worth approximately ₹10,000. I came across information that these...
  8. CorporateMajdoor

    Optimizing My Credit Card Portfolio: Seeking Advice for 2025 Expenses

    Hi everyone, It’s been a year since I started using credit cards, and I’ve learned a lot along the way through this forum and reddit channels. I’ve been trying to optimize my spending and recently calculated a year-end consolidated report based on insights from a previous post here. (I assumed...
  9. M

    JioMart Late Delivery Issue: Need Advice

    I ordered milk from JioMart today at 6 PM, and the app showed it would be delivered on the same day, January 4th. However, it's still not delivered, and the status shows it will be delivered "by January 4th." The chat support is only virtual with no real-time agent assistance, and call support...
  10. S

    Solo Budget Trip to Abu Dhabi

    Hi, I will be visiting Abu Dhabi for 6 days soon. I will be travelling alone and trying to create a budget friendly itinerary. Flight tickets and stay in Abu Dhabi for all days is booked. I can use only one day for visiting Dubai. Among other days, I have two entire days to roam in/around Abu...
  11. yuvi004

    Need advice on getting the HDFC Millennia Credit Card (LTF Offer)

    Hi all, This is my first post here, after being a silent reader for almost a year. I want to take a moment to thank the Technofino community for all the valuable guidance shared over time – it has been incredibly helpful! I’m seeking some advice regarding getting the HDFC Millennia Credit Card...
  12. A

    Need Advice: Refund from Hotel and Tax Implications

    TL;DR: During my trip to Malaysia, a hotel overcharged me 50 MYR (~1000 INR) for a lost room key when the card mentioned only 20 MYR. Despite multiple discussions, the manager later agreed to refund 30 MYR but insisted on needing my bank details for the refund. I’m concerned about tax...
  13. Nishan11

    Need advice for upcoming Dubai trip with family

    Hi, I am planning for a family trip to Dubai on April-May 2024. Will fly from Mumbai. Plan as of now :- 1) Flight :- Raipur-> Mumbai by Indigo Mumbai -> Dubai ->Mumbai by Emirates Mumbai -> Raipur by Indigo 2) Hotel :- In Dubai :- Taj or any luxurious Accor hotel nearby Dubai Mall Stay...
  14. azura

    Financial Guidance Request

    Hi TF community, I lost my only parent and have no clue on how to handle the finances he left behind. I need some ideas/help to guide me on what to do with his wealth (mostly in bank FD's). Totally lost and need some guidance on how to go forward from here. His assets/stocks/insurances etc...
  15. Sriky

    Need advice: Reversal of Core CL Split - Millennia, TN Inf & Pixel Play

    Hi Folks, I need help to recover my HDFC Core card (Millennia) credit limit which I had unintentionally assigned to Pixel Play. I'll explain more about on the cards I hold and the relation I have with HDFC followed by the issue I'm facing. I'm an Imperia Customer and hold Millennia and TN...
  16. T

    Advice for Icici account opening

    I wanted to open just a regular savings account in ICICI after being frustrated with SBI. So I went through videos and their website, and found they have regular savings account with 10k and 25k mab, so I just wanted to open the 10k MAB account and applied on their site. But the representative...
  17. Ekavya

    Guidance Needed on Credit Card Choices and HDFC Account Strategy

    I currently hold a Tata Neu Plus Credit Card with a 50k limit (FYF) and have met the annual fee waiver criteria. My goal was to get an HDFC credit card for their 10% offers, but since Tata Neu is co-branded, it doesn’t provide that benefit. HDFC is offering LTF cards currently, but Tata Neu...
  18. Alex292929

    Need Advice: How to negotiate on new car loan

    We’re buying a new car and need advice: -Loan Amount: ₹7L -Down Payment: ₹1.5L -Offer Details (Kotak): 9.3% p.a. (Fixed), ₹7,500 processing fee, 24-month tenure. Looking for: 1.Tips to negotiate better terms. 2.Suggestions for other bank to apply to (can consider one more- Should I apply...
  19. M

    Need credit card application advice

    Hello guys, Need small suggestion my story as follows Yesterday I have applied for cashback credit card application number was generated, today customer care guy called me and asked me to upload documents I did(initially my netbanking was failing but second time it went success this is...
  20. Brijesh Ghosh

    Need advice regarding HDFC Credit card

    Hello, I need some advice. Last month I applied through an agent for HDFC Millennia card but the agent instead applied Swiggy card without informing me. I received the card but didn't activate it and subsequently closed it as I heard it is hard to get a core card if one already has co-branded...
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