u/Ok-Pea6655

Risk Appetite – Take Survey: Aggressive. I’m 21 years old with a 20+ year investment horizon and can tolerate market volatility. My primary focus is long-term wealth creation rather than short-term stability.
Goal – What are you investing for?
Financial independence
Long-term wealth creation
Future home purchase
Retirement planning
Building a corpus for future family responsibilities
Horizon – How long you’ll stay invested?
20+ years. I plan to increase my SIP amount every year as my income grows and only rebalance occasionally.
Allocation – SIP amount split into funds
Nifty 50 Index Fund – ₹5,000
Flexi Cap Fund – ₹4,500
Mid Cap Fund – ₹4,000
Small Cap Fund – ₹2,500
International Fund – ₹1,500
Gold ETF/Fund – ₹1,500
REITs – ₹1,000
Liquid Fund (Travel & Opportunity Fund) – ₹5,000
App Used
I haven’t started investing yet, but I’m planning to use Groww (open to suggestions if there’s a better platform like AMC websites, MF Central, Coin, etc.).
Why These Funds?
I’m new to investing, so this allocation is based on my own research and discussions in finance communities. My intention is to diversify across Indian large-cap, flexi-cap, mid-cap, small-cap, international equity, gold, REITs, and maintain a liquid fund for travel/opportunities. I’m not attached to any particular AMC yet and would appreciate recommendations on better funds or whether I’m over-diversifying.

Current CIBIL: 750+
Age: 21
Monthly Income & Employment Status: ₹30–40k/month (in hand), Full-time Software Engineer (AI/Generative AI)
Monthly Expenses & Spending Patterns:
I invest ~₹25k every month.
My monthly expenses are relatively low (~₹7–10k).
No EMIs or loans.
Top 5 Monthly Spend Categories:
Merchant UPI payments
Myntra
Amazon
Flipkart
Swiggy/Zomato
Top 5 Annual Spend Categories:
Online shopping (Myntra, Amazon, Flipkart)
Travel (planning to increase over the next few years)
Clothing & footwear
Dining/Food delivery
Electronics & gadgets
Preferences for Credit Card Features:
Lifetime Free preferred
Good cashback on UPI
Simple reward structure
Low maintenance (don’t want to manage many cards)
Reward Preference: Cashback
Lounge Access Required: Not required currently (nice-to-have, not a priority)
Other Special Needs:
Current cards:
SBM Novio (LTF)
Swiggy HDFC (LTF)
Family already has SBI BPCL Octane for fuel, so I don’t need a fuel card.
I feel online shopping is already well covered by Swiggy HDFC.
Looking for my next card primarily for UPI spends.
Currently considering Kiwi RuPay Credit Card and Punjab & Yes Bank KreditPe RuPay Credit Card , but open to better suggestions.
I prefer to keep my portfolio limited to 2–3 cards and build a strong credit history rather than collecting many cards.

I’m getting digital MK11 for 500 in PS deal.
I am a very casual/offline gamer.
Usually play only on weekends and like to play multiplayer games with my brothers.

I am a 21 year old newly employed corporate person with a in-hand salary of 35000+( cannot disclose exact)
I currently hold SBM novio credit card from around 8 months and have a cibil of 750+
My major expenses are:

1. Online - Myntra, Amazon, Flipkart, etc - 5-7k/month

2. Utilities - 2-3k/month

3. UPI spend - 5k/month

4. SIP of 25k(I know it won't be any better with CC but just mentioning for reference)

Preferably I want low annual charge credit cards or LTF ones so that I build more confidence in credit card usage then with time I want premium cards.

My friend owns a PS5 with deluxe membership and how some good games likes FC26 which i want and I am okay to play offline since I am a casual user.
How do i do it so that he can also play it online and I can play it too offline.
Can it be legit or could cost us termination?

Hi guys,
Can anyone drop me stock availability if anywhere in Indore or on some e-com store with legit sellers