r/INDmoneyApp

▲ 87 r/INDmoneyApp+2 crossposts

New foreign asset disclosure scheme opened today ( Aug 16)

Have you checked your AIS this week for foreign assets?

CBDT's FAST-DS (Foreign Assets of Small Taxpayers Disclosure Scheme) went live today. If you ever had a foreign bank account, RSUs, or overseas assets you didn't report in your ITR:- students, ex-NRIs, people who worked abroad this is a one-time window to fix it.

Two tracks:

  1. Never disclosed, value up to ₹1 crore → 30% tax + equal additional levy = 60% total
  2. Already taxed but missing from your ITR, up to ₹5 crore → flat fee (often nil or ₹1 lakh)

Why now: Your foreign asset data (via CRS/FATCA from 100+ countries) is now showing up in your AIS automatically. The department already knows.

Window: Open till Dec 31, 2026. Valuation date fixed at March 31, 2026. Valid declarations = no prosecution, no extra penalty under the Black Money Act.

Check your AIS on the e-filing portal this week if you've ever had money or investments outside India — even old, forgotten accounts count.

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u/CA_Neha_Gupta — 5 days ago
▲ 8 r/INDmoneyApp+2 crossposts

Lancer container lines price mismatch

INDMoney app shows -92% down while market shows+0.18%.

Chat box is handled by bot and auto answer only.

No real person for chat is available.

Really frustrated.

u/kgp-lone-warrior — 4 days ago
▲ 3 r/INDmoneyApp+1 crossposts

Cashback to add Fund in Zerodha, Groww and INDMoney

Offer available in CRED app

u/Enough_Ad443 — 6 days ago

pathetic app .

made MCX position w indmoney app , despite complaining multiple times, they close the tickets saying its resolved. its not resolved .

u/sunflowerwomenn — 8 days ago

Why is my unrealised gain different when converted from USD to INR? Is it because of USD/INR movement?

My portfolio shows:

USD view:

Invested: $8,306.75

Current value: $11,926

Unrealised gain: +$3,619

If I convert the unrealised gain using the current USD/INR rate (~₹96):

$3,6319 × 96 ≈ ₹3.47 lakh

But the app shows my INR unrealised gain as ₹4.13 lakh.

Why is there a difference of around ₹66,000?

Would appreciate an explanation. Thanks!

u/Primary-Day-8466 — 11 days ago

Need advice on mutual funds for retirement and buying a house in 10 years

  1. Nippon India multi cap
  2. Parag parikh flexi cap
  3. Bandhan small cap
  4. Motilal Oswal gold & silver passive fof
  5. S&P 500 in vanguard

I’m planning these investments mainly for long-term wealth creation and retirement.

Do you think this kind of portfolio is suitable for a retirement/wealth-creation goal, or should I consider making some changes?

I also have another goal , I’m planning to buy a flat/house about 10 years from now.

Should I start a separate investment specifically for this goal? If yes, what type of mutual fund or investment would be more suitable for a 10-year house-buying goal.

u/Thamizh_Kanna — 9 days ago

Why don’t I see Kotak bank to add money?

In the video tutorial, I can see we can add money from Kotak bank but the bank is not shown when trying to add money.

u/Altruistic_Side_4428 — 13 days ago

Transferring USD from Etrade to Indmoney

I see that the method is via a international wire transfer via RBL Bank, situated in Gujarat. How is the currency conversation process managed here ? Also is I see in other threads that the opening of RBL Bank account is optional now and there are other means of operating, can somebody elaborate, if at all this is possible ? I am using from 2024 time frame and opening the RBL Bank account was mandatory then, or atleast I had the impression of that. Is there a local US counterpart where I could transfer the USD here ? As it seems I am putting the money to Indian shores here before being again redirected to US.

u/Few_Finish4962 — 13 days ago

How is a SPAC handled after conversion?

I am considering buying CCXI (Churchill Capital Corp XI) and holding it through the proposed merger with Agility Robotics. If the merger closes, will my CCXI Class A shares automatically be converted into the resulting Agility Robotics/public-company shares in my INDmoney US-stock account? Also, will fractional shares resulting from the corporate action be credited or liquidated for cash?

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u/Ill_Fisherman8352 — 12 days ago

HDFC BANK ACCOUNT doubt ?

If i create an hdfc account through the ind money app is the hdfc bank acc going to be a 0 balance account or what ?

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u/AfraidBell9025 — 11 days ago

Is the USD INR conversion and vice versa competitive?

I want to use Indmoney to do regular US investments. I find the interface simpler than competitive apps. The challenge seems to be the USD INR conversion rate. It could just be the bank spread for IDFC being high I don't know. What do you think? N what is the rate I get post selling USD shares isn't clear. Either way, it's an important factor (for me) if I am losing 1-2% both ways.

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u/impossible__dude — 12 days ago