SBI loan closed last year, but CIBIL still says "Active". How to fix?

I got an SBI education loan last year but never disbursed a single rupee. I closed it in August and have an official closure email from SBI.

However, my CIBIL report still lists the account as "Active" (₹0 balance).

What is the best way to fix this?

Raise an online dispute on the CIBIL website using my email screenshot as proof?

Visit my SBI branch to demand a physical No Dues Certificate?

How long does it usually take to get resolved? And should i complain to rbi and expect compensation?

u/StreetRampage — 2 months ago

What are some odd investments which have given more returns to you guys

I am not talking about gold, crypto, bonds, mutual funds, i am asking something odd which not much people know
For me it has been the cs2 market,

have given me a whopping 1500% return over the past 3 years, i have only invested through away money into that, i wish i would have invested more chunk of my money but nvm

Want to know where others have made huge percent return

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u/StreetRampage — 2 months ago

Choice number on Vi postpaid → directly port to Jio prepaid after 90 days?

I want to get a new SIM with a specific 8-digit number of my choice. The exact number I want is available on Vi, but Jio doesn't seem to offer the option to select all 8 digits.

My plan is to pay for the choice number on Vi postpaid, keep it for 90 days, and then port the same number to Jio prepaid.

I initially thought I would have to convert Vi postpaid → Vi prepaid first, but I've seen quite a few posts saying Vi makes the postpaid-to-prepaid conversion difficult and sometimes asks people to wait longer.

So I wanted to confirm:

  1. Can I simply keep the Vi number on postpaid for 90 days and then directly port it to Jio prepaid, without converting it to Vi prepaid first?
  2. Are there any specific restrictions with Vi choice/fancy numbers that I should know about?
  3. If I do need to convert Vi postpaid → prepaid first, is the 90-day rule actually reliable, or can Vi make me wait longer?
  4. Once I port it to Jio, can I immediately choose a basic Jio prepaid plan with just calling/SMS? I don't really need much data.

I basically want to pay for the choice number once and eventually use it as a simple Jio prepaid number. Don't want to get stuck paying for Vi postpaid unnecessarily.

Would appreciate experiences from anyone who has actually done this recently.

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u/StreetRampage — 2 months ago

WazirX holdings — should I move them to CoinSwitch or another wallet?

I still have some crypto holdings on WazirX and want to move everything out and eventually close my WazirX account. I cancelled WazirX ZERO after realizing it was deducting from my crypto balance when my INR balance was insufficient.

I already have a CoinSwitch account with KYC completed. Should I transfer my holdings there, or would you recommend creating an account with another exchange/wallet?

Also, is CoinSwitch free to hold crypto, or are there any ongoing/hidden charges I should know about?
Looking for advice from people who have actually used CoinSwitch or other options in India.

reddit.com
u/StreetRampage — 2 months ago

WazirX holdings — should I move them to CoinSwitch or another wallet?

I still have some crypto holdings on WazirX and want to move everything out and eventually close my WazirX account. I cancelled WazirX ZERO after realizing it was deducting from my crypto balance when my INR balance was insufficient.

I already have a CoinSwitch account with KYC completed. Should I transfer my holdings there, or would you recommend creating an account with another exchange/wallet?

Also, is CoinSwitch free to hold crypto, or are there any ongoing/hidden charges I should know about?
Looking for advice from people who have actually used CoinSwitch or other options in India.

reddit.com
u/StreetRampage — 2 months ago
▲ 2 r/thane

Need help finding an agent in Thane to trace deceased grandfather's investments

I'm looking for someone in Thane who can help trace all the financial investments of my late maternal grandfather, who passed away in 2005.

So far we've found around ₹6 lakh in mutual funds, a few bank accounts, and some other investments, but we're certain there are more (shares, old physical investments, post office schemes, FDs, etc.).

We've already checked the UDGAM portal without much success.

Can anyone recommend a trustworthy agent, CA, lawyer, or financial professional in Thane/Mumbai who specializes in tracing investments of deceased individuals? We're happy to pay a reasonable professional fee if they can genuinely help.

Any recommendations or personal experiences would be greatly appreciated. Thank you

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u/StreetRampage — 2 months ago

How can I trace all investments of a deceased family member in India?

My maternal grandfather passed away in 2005. Before he passed away, he mentioned that he had investments in multiple places. So far, we've been able to find around ₹6 lakh in mutual funds,only two mutual funds transferred in his sons name, a few bank accounts, and some other investments, but we're sure there are more that we haven't located.

I've already checked the UDGAM portal, but it didn't help much since not all banks are covered.

Is there any way to trace all investments of a deceased person, such as mutual funds, shares (physical/demat), bank accounts, FDs, Post Office investments, etc.? Are there any legitimate agents or professionals who specialize in this? We're willing to pay a reasonable fee if needed.

Also, what documents would generally be required to start this process? Any advice or personal experiences would be greatly appreciated.

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u/StreetRampage — 2 months ago

Need phone for father under 50-55K INR

Requirements:

Great battery life
At least 256GB storage (512GB preferred)
Smooth performance, no lag
Camera doesn’t matter

He currently has an iPhone Pro, but it’s honestly overkill since he only uses WhatsApp, calls, and YouTube.

I’m considering:
Google Pixel 10
Samsung S25 FE
Motorola Edge Signature

Please don’t suggest Vivo or OPPO. Any other recommendations are welcome. Looking for something that’ll last 2-4 years.

reddit.com
u/StreetRampage — 2 months ago

1 year after my disc bulge. How do you survive 90-minute lectures or a desk job without making it worse?

It's been almost 1 year since I injured my back in the gym, which resulted in lumbar disc bulges. Thankfully, I'm much better now than I was initially. My pain is usually around 1–2/10, but after sitting for 1–2 hours, I start getting mild pain, tingling, or discomfort.

The problem is that my university starts in a month, and I'll have 4 lectures a day, each lasting 90 minutes, with only a 15-minute break in between. I already postponed my studies by a year because of this injury, so taking another year off isn't an option.

For those of you who are studying or have a desk job with a disc bulge/herniation:

  • How do you get through a 90-minute lecture without flaring up?
  • Is there anything you do while sitting that helps? (I can't stand up during lectures.)
  • Do you keep changing positions, use a lumbar support, or have any other tricks?
  • What do you do during short breaks?
  • Were you able to get through years of college or a full-time desk job and still continue recovering?

My goal isn't just to survive the next 2 years—I want to keep recovering with physiotherapy while living as normally as possible instead of putting my life on hold again.

I'd really appreciate hearing from people who've been in a similar situation.

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u/StreetRampage — 2 months ago
▲ 0 r/Bullion+1 crossposts

Best app for accumulating Digital Gold & Silver and later redeeming as physical coins? (MMTC-PAMP vs Augmont vs CRED?)

I'm looking to start accumulating **digital gold and silver** over the long term by investing around **₹1,000–2,000 whenever I have spare money**. I don't plan to trade or sell it—my goal is to slowly build up my holdings and eventually redeem them as **physical coins/bars**.

I'm currently considering:

* MMTC-PAMP
* Augmont
* CRED Gold
* Any other better options

A few questions:

* Which platform has the **lowest overall costs** (buy spread, redemption, delivery, etc.)?
* Do any of them offer **free or discounted coin/bar redemption**, or do all charge making, packaging and shipping fees?
* Is it better to buy directly from MMTC-PAMP/Augmont instead of through apps like CRED or PhonePe?
* Which platform has the **best live pricing** and the least hidden charges?
* If you've actually redeemed your digital gold/silver into physical coins, how was your experience?

I'm mainly looking for a platform that I can keep using for years with minimal fees and eventually convert my accumulated holdings into physical gold/silver without unnecessary costs.

reddit.com
u/StreetRampage — 3 months ago

Best app for accumulating Digital Gold & Silver and later redeeming as physical coins? (MMTC-PAMP vs Augmont vs CRED?)

I'm looking to start accumulating digital gold and silver over the long term by investing around ₹1,000–2,000 whenever I have spare money. I don't plan to trade or sell it—my goal is to slowly build up my holdings and eventually redeem them as physical coins/bars.

I'm currently considering:

  • MMTC-PAMP
  • Augmont
  • CRED Gold
  • Any other better options

A few questions:

  • Which platform has the lowest overall costs (buy spread, redemption, delivery, etc.)?
  • Do any of them offer free or discounted coin/bar redemption, or do all charge making, packaging and shipping fees?
  • Is it better to buy directly from MMTC-PAMP/Augmont instead of through apps like CRED or PhonePe?
  • Which platform has the best live pricing and the least hidden charges?
  • If you've actually redeemed your digital gold/silver into physical coins, how was your experience?

I'm mainly looking for a platform that I can keep using for years with minimal fees and eventually convert my accumulated holdings into physical gold/silver without unnecessary costs.

reddit.com
u/StreetRampage — 3 months ago

Best app for accumulating Digital Gold & Silver and later redeeming as physical coins? (MMTC-PAMP vs Augmont vs CRED?)

I'm looking to start accumulating digital gold and silver over the long term by investing around ₹1,000–2,000 whenever I have spare money. I don't plan to trade or sell it—my goal is to slowly build up my holdings and eventually redeem them as physical coins/bars.

I'm currently considering:

  • MMTC-PAMP
  • Augmont
  • CRED Gold
  • Any other better options

A few questions:

  • Which platform has the lowest overall costs (buy spread, redemption, delivery, etc.)?
  • Do any of them offer free or discounted coin/bar redemption, or do all charge making, packaging and shipping fees?
  • Is it better to buy directly from MMTC-PAMP/Augmont instead of through apps like CRED or PhonePe?
  • Which platform has the best live pricing and the least hidden charges?
  • If you've actually redeemed your digital gold/silver into physical coins, how was your experience?

I'm mainly looking for a platform that I can keep using for years with minimal fees and eventually convert my accumulated holdings into physical gold/silver without unnecessary costs.

reddit.com
u/StreetRampage — 3 months ago

Upper trap pain only when my arms are unsupported. Anyone fixed this?

I’m a 25M dealing with upper trap pain for the past 8–10 months. I’ve seen multiple doctors and physios, had a cervical MRI, and tried gabapentin, muscle relaxants, and exercises, but nothing has resolved it.

The weird part is that my pain isn’t triggered by moving my neck. I can look down at my phone without any pain.

It only starts when my arms are unsupported, like:
Typing or using a mouse
Holding an umbrella
Talking on the phone
Riding a scooter
Holding my phone in front of me

If I lower my arms or support my elbows, the pain eases. I also tried a posture correction belt that pulled my shoulders back, and I rode my scooter for 30 minutes pain-free, whereas I usually get pain within 10 minutes.

Has anyone had something similar? Was it scapular dyskinesis, muscle imbalance, or something else? What actually helped you recover? I’m looking for people who’ve dealt with this themselves.

I am genuinely tired and might end it, as i lost job, my education and relationship

u/StreetRampage — 3 months ago
▲ 29 r/sidehustleIndia+1 crossposts

Best option to withdraw funds from this survey app?

Was able to get about 4$ last night, might complete few more surveys and get till the minimum amount

So should I withdraw from paypal or amazon to get as much amount after tax

App - Hey cash

u/StreetRampage — 3 months ago

[q] Indian CS2 players – where are you buying skins now?

I’m coming back to buying CS2 skins after about 3 years, and it looks like a lot has changed.

Back then, I used to buy BUFF balance and purchase skins from there. Now I’d rather buy directly from a third-party marketplace if it’s cheaper and easier.

For Indian players:
Which site are you using now? (CSFloat, Skinport, etc.)
Where do you usually get the lowest final price after all fees?
Or are most people still buying from trusted Facebook/Discord sellers?

Would love to know what the current best option is. Thanks!

reddit.com
u/StreetRampage — 3 months ago
▲ 3 r/MbaCet

Mumbai university CGPA Issue

In the Merit list i can see several students have added their Percentage as 92,95,97 whereas at max MU gives 82% which is equal to 10 CGPA, then how were they able to verify 95% percentage from Mumbai university, this pushes the rank quite low even if you have 10 CGPA

reddit.com
u/StreetRampage — 3 months ago