u/iim-guys

Feel free to ask any doubts or dm. It can be related to sip, career or general doubts. Would be happy to help!

https://www.instagram.com/productwithrito

Hey I want some followers for my page. I will follow back! I’m basically explaining tech stuffs and consumer rights in an easy way

Please help me out!

Hi everyone!

Currently I am working as a Product Manager after my MBA.

Over the past few years, I've learned a lot through my MBA at IIM Trichy, and my journey into Product Management. I remember how confusing career decisions used to be, and how much even a 15-minute conversation with someone experienced could have helped.

So, I've decided to open up free 15-minute career guidance sessions. This is just a simple way of giving back to the community that helped me a lot during my MBA days and helping students and young professionals who might be feeling stuck.

We can chat about:

• Resume reviews
• MBA guidance
• Product Management careers
• Job switches
• Interview preparation
• Career planning
• Or anything career-related that's on your mind

There's absolutely no obligation. If I can help even a few people make better career decisions or avoid mistakes I made, I'll consider it worthwhile.

If you're interested, feel free to book a slot here:

🔗 https://topmate.io/ritaban_datta

Only reason for keeping a slot booking is that I am busy at work most of the time. This will ensure I am adequately prepared to help you guys out.

Looking forward to meeting some of you. Wishing everyone the very best in their career journey! 🙂

Hi everyone!

Currently I am working as a Product Manager after my MBA.

Over the past few years, I've learned a lot through my MBA at IIM Trichy, and my journey into Product Management. I remember how confusing career decisions used to be, and how much even a 15-minute conversation with someone experienced could have helped.

So, I've decided to open up free 15-minute career guidance sessions. This is just a simple way of giving back to the community that helped me a lot during my MBA days and helping students and young professionals who might be feeling stuck.

We can chat about:

• Resume reviews
• MBA guidance
• Product Management careers
• Job switches
• Interview preparation
• Career planning
• Or anything career-related that's on your mind

There's absolutely no obligation. If I can help even a few people make better career decisions or avoid mistakes I made, I'll consider it worthwhile.

If you're interested, feel free to book a slot here:

🔗 https://topmate.io/ritaban_datta

Only reason for keeping a slot booking is that I am busy at work most of the time. This will ensure I am adequately prepared to help you guys out.

Looking forward to meeting some of you. Wishing everyone the very best in their career journey! 🙂

Hi everyone!

Currently I am working as a Product Manager after my MBA.

Over the past few years, I've learned a lot through my MBA at IIM Trichy, and my journey into Product Management. I remember how confusing career decisions used to be, and how much even a 15-minute conversation with someone experienced could have helped.

So, I've decided to open up free 15-minute career guidance sessions. This is just a simple way of giving back to the community that helped me a lot during my MBA days and helping students and young professionals who might be feeling stuck.

We can chat about:

• Resume reviews
• MBA guidance
• Product Management careers
• Job switches
• Interview preparation
• Career planning
• Or anything career-related that's on your mind

There's absolutely no obligation. If I can help even a few people make better career decisions or avoid mistakes I made, I'll consider it worthwhile.

If you're interested, feel free to book a slot here:

🔗 https://topmate.io/ritaban_datta

Only reason for keeping a slot booking is that I am busy at work most of the time. This will ensure I am adequately prepared to help you guys out.

Looking forward to meeting some of you. Wishing everyone the very best in their career journey! 🙂

Hi everyone!

Currently I am working as a Product Manager after my MBA.

Over the past few years, I've learned a lot through my MBA at IIM Trichy, and my journey into Product Management. I remember how confusing career decisions used to be, and how much even a 15-minute conversation with someone experienced could have helped.

So, I've decided to open up free 15-minute career guidance sessions. This is just a simple way of giving back to the community that helped me a lot during my MBA days and helping students and young professionals who might be feeling stuck.

We can chat about:

• Resume reviews
• MBA guidance
• Product Management careers
• Job switches
• Interview preparation
• Career planning
• Or anything career-related that's on your mind

There's absolutely no obligation. If I can help even a few people make better career decisions or avoid mistakes I made, I'll consider it worthwhile.

If you're interested, feel free to book a slot here:

🔗 https://topmate.io/ritaban_datta

Only reason for keeping a slot booking is that I am busy at work most of the time. This will ensure I am adequately prepared to hel you guys out.

Looking forward to meeting some of you. Wishing everyone the very best in their career journey! 🙂

Hi! I have a YouTube channel called Ritaban Datta "@ritabandatta", which I created over six years ago. Do you have any tips on how I can reach more people and grow my channel?
My channel was monetised. But last 2 years I could not post any video so my monetisation went away. I am again restarting my career

I had withdrawn my entire PF amount (due to no job for 2 years) for which 10% TDS was deducted (i have less than 5 years of total service).

Now I’ll filing ITR 3 and net salary for this year is 16 lakhs. I’m confused how to declare the amount that i have received from PF. Should i show it under Schedule Salary? Or Schedule Income from Other Sources?

If i show under Salary, then i need to pay extra tax on the pf amount
If i show under Income from Other Sources, then I’m eligible for refund of the entire tds deducted

What is the correct way to declare it?

I am looking to go for a Trek towards June end. I have 4 to 5 days in hand for doing the trek. Suggest me places which I can do. I would prefer treks which would take me to snowy areas or high altitudes. But I am open to all. What are the best treks?

You can ask any doubts or queries you have related to Product Manager or MBA life in general.
Feel free to dm if you just want to discuss more
Or if you just want any random guidance

I want to visit somewhere in Sikkim or Northeast India towards June end. Is it a good time considering the monsoon season? Which would be the best state to visit during this time? Also which places can i visit
Any tentative itinerary would also be helpful for 3-4 days
I’m from Kolkata

Link to previous post : https://www.reddit.com/r/personalfinanceindia/comments/1tn5jaa/cancel_my_cc_foreclose_request_hdfc/

In my previous post I have mentioned how I had inadvertently preclosed my previous insta loan on my credit card. I raised my grievance with PNO. They have decided to reinstate my loan to as it was. However the preclosure charges and gst on that is being charged. It is coming to around 25000. They are offering me a discount of 4500. So I need to pay 20500 as the preclosure amount.

But I cannot pay that amount as I do not have extra funds. How to deal with this situation? I have already mailed them regarding my inability to pay. Should I go to RBI Ombudsman if they are not willing to remove the charges? Will they cancel the reinstatement of the insta loan?

Also since they cancelled the preclosure, isn't it contradictory to charge me preclosure fees?

Timeline:
May 23 - I raise preclosure request. I get a mail that in 24 hours I need to cancel it
May 23 - I call customer number and ask them to close it. But I mentioned loan instead of insta loan so they advised me accordingly that if I do not pay the preclosure request will get cancelled. But I did not realize that process is different for personal loan and insta loan
May 25 - I get a call from HDFC bank asking them if I had raised request. They say I need to cancel it within 48 hours (officially it is 24hours, i dont know why they said 48)
May 25 - i start calling customer care and ultimately the pno

Link to previous post : https://www.reddit.com/r/personalfinanceindia/comments/1tn5jaa/cancel_my_cc_foreclose_request_hdfc/

In my previous post I have mentioned how I had inadvertently preclosed my previous loan. I raised my grievance with PNO. They have decided to reinstate my loan to as it was. However the preclosure charges and gst on that is being charged. It is coming to around 25000. They are offering me a discount of 4500. So I need to pay 20500 as the preclosure amount.

But I cannot pay that amount as I do not have extra funds. How to deal with this situation? I have already mailed them regarding my inability to pay. Should I go to RBI Ombudsman if they are not willing to remove the charges? Will they cancel the reinstatement of the insta loan?

Timeline:
May 23 - I raise preclosure request. I get a mail that in 24 hours I need to cancel it
May 23 - I call customer number and ask them to close it. But I mentioned loan instead of insta loan so they advised me accordingly that if I do not pay the preclosure request will get cancelled. But I did not realize that process is different for personal loan and insta loan
May 25 - I get a call from HDFC bank asking them if I had raised request. They say I need to cancel it within 48 hours (officially it is 24hours, i dont know why they said 48)
May 25 - i start calling customer care and ultimately the pno

Link to previous post : https://www.reddit.com/r/personalfinanceindia/comments/1tn5jaa/cancel_my_cc_foreclose_request_hdfc/

In my previous post I have mentioned how I had inadvertently preclosed my previous loan. I raised my grievance with PNO. They have decided to reinstate my loan to as it was. However the preclosure charges and gst on that is being charged. It is coming to around 25000. They are offering me a discount of 4500. So I need to pay 20500 as the preclosure amount.

But I cannot pay that amount as I do not have extra funds. How to deal with this situation? I have already mailed them regarding my inability to pay. Should I go to RBI Ombudsman if they are not willing to remove the charges? Will they cancel the reinstatement of the insta loan?

Timeline:
May 23 - I raise preclosure request. I get a mail that in 24 hours I need to cancel it
May 23 - I call customer number and ask them to close it. But I mentioned loan instead of insta loan so they advised me accordingly that if I do not pay the preclosure request will get cancelled. But I did not realize that process is different for personal loan and insta loan
May 25 - I get a call from HDFC bank asking them if I had raised request. They say I need to cancel it within 48 hours (officially it is 24hours, i dont know why they said 48)
May 25 - i start calling customer care and ultimately the pno

I want to go for boating and then ganga aarati. Are boating available only at princep ghat? Or can it be done at babughat also? Since ganga aarati is in babughat, i want to know where to go for boating

Also what is the rate

I was exploring my HDFC CC Insta Loan foreclose request and by mistake I foreclosed it. I wanted to cancel the foreclose request. But it cannot be done after 24 hours.
What is the next step? Because i cannot pay the 7 lakh outstanding amount currently. I am trying to escalate it but they say they cannot do anything now. What is the alternative option?

PLEASE GUIDE ME URGENTLY

IIM Trichy, 2025, Product Manager at a Big MNC,
AMA related to any doubts

Or feel free to DM