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u/code_crafter07

r/delhirentals r/IndiaFinance r/mutualfunds r/FinancialAdviceIndia r/RoyalEnfieldHunter350 r/IndianPersonalFinance r/IndianStocks r/indiahealthinsurance r/CreditCardsIndia r/PuneClassifieds r/pune r/punebikers r/personalfinanceindia r/FinancialPlanning_Ind
▲ 1 r/FinancialAdviceIndia+2 crossposts

Recommendation on SIP

I'm 24 and I've just started investing(too late), and my goal is to invest around 20k per month.

Could you please provide some suggestions on how to invest?

My risk profile is moderate.

I've started some SIPs but kept the amount low as I'm not sure how much to allocate to which fund.

u/code_crafter07 — 6 days ago
▲ 1 r/mutualfunds

Nippon Small Cap Vs ITI

I want to invest in small cap which one is better. You can suggest something else if there is any. What % of amount should I invest monthly in small cap if I'm investing 20k per month.

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u/code_crafter07 — 6 days ago
▲ 4 r/indiahealthinsurance

Policy Bazaar Vs Ditto

I'm planning health insurance for my parents, aged 45 (mother) and 54 (father). I'm considering HDFC Optima Secure+ or Care Infinity. Should I use Policy Bazaar or Ditto? Any personal experiences or recommendations would be appreciated.

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u/code_crafter07 — 12 days ago
▲ 5 r/FinancialAdviceIndia+2 crossposts

Suggestion on Personal Finance

Hello, I'm 26 and earning around 1L per month in hand. I want to plan my finance but I'm unable to do it for whatever reason. Let's take a quick look on my finance.

====== Mandatory Expenses =====

Rent: 9400

Maid: 2000

Grocery and Vegetables : 2500

Utilities Bill: 1000 ( approx)

Office Commute: 2200

Mobile Recharge : 1000

Personal Expenses: 10000 (I'm assuming as I never tracked this)

=== Now Let's talk about debt ( please refer attached image) =======

So In short

Total earning : 98,000 ₹

Expenses : 39,056 ₹ ( apart from Credit card bill payment)

I used to pay minimum amount for Credit card. I don't have any emergency fund. I only have one Term insurance.

I want to be debt free and build emergency fund and start investing but I'm not sure how to do it and where my money goes. I've responsibility of My mother, father and sister so each month some money goes into it and little bit in my relationship still I should be able to save 30k but I'm not. Could you guys please help or let me know if you know any financial advisor with whom I can connect.

PS::

  1. I pay 12,264 for term insurance annually.
  2. I have health insurance coverage from my company. I need to get it for my parents from an outside provider as I switched companies.
  3. I want to pay the full credit card amount, but I don't have any emergency funds, which is causing me stress.
u/code_crafter07 — 18 days ago
▲ 2 r/pune

Places to visit

My partner will be in Pune for a week. Could you please suggest places we can visit? Please don't suggest clubs or bars. I stay near Wakad.

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u/code_crafter07 — 2 months ago
▲ 4 r/CreditCardsIndia

Cons of increasing Credit card limit

I got call from HDFC that they will double my credit card limit from 60000 to 1,20,000 rupees. Should I go for it and will it impact my credit score?

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u/code_crafter07 — 2 months ago
▲ 1 r/punebikers

What's your views on Ethnol blending

I'm planning for new bike but I'm scared of this ethenol bleeding and all. What's your opinion on this?

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u/code_crafter07 — 2 months ago
▲ 1 r/personalfinanceindia

Need Financial Advice on debt management, Emergency fund and investment

I am 24 and started working in 2024 with a salary of 3.5L. By mid-2025, my CTC was around 8 LPA, and I recently received an offer from a FinTech company with a CTC of around 13 LPA (I will join in July). I made a blunder with my finances, and I take full responsibility for it.

I have about 1.5 Lakhs in debt, which includes a personal loan and outstanding credit card balances. My monthly EMIs are around 15k, which I am managing without any issues. I have zero savings and no emergency funds.

I need advice on how to clear this loan as soon as possible and how to start investing and build an emergency fund.

I am also financially supporting my family (mother, sister, and father).

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u/code_crafter07 — 3 months ago
▲ 6 r/RoyalEnfieldHunter350

Hunter 350 vs Honda CB 350RS

I'm about to purchase bike but I'm confused between these two. People says Honda engine is refined and is better in every aspect. My heart always says go for hunter. What's your opinion?

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u/code_crafter07 — 3 months ago