I have received foreclosure letter from aditya birla finance after requesting via mail. But, how should I pay that amount. Do I need to transfer amount to that virtual account number given in the letter. Please help.
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HDFC Bank's Anup Bagchi - Compensation at a Glance:
🔹 ₹36 Cr - Total Annual Package
🔹 ₹7.35 Cr - One-time Joining Bonus
In 2026, top private banks are doubling down on leadership continuity. This package places Anup Bagchi among the highest-compensated executives in Indian private banking.
The big picture: Talent retention + strategic stability = premium compensation.
What's your take on executive pay benchmarks in BFSI for FY26?
I have to clear a debt of 2.5L overdue on my edu loan as soon as possible that time I was not having a job and missed emis.
Now I am having a stable job with good salary and I want to clear this debt as soon as possible because its hurting my cibil more and charges
Is there any app or any way I can get a personal loan of 2Lakh something without cibil or this damaged cibil score I can easily pai emi for 2.5L along with my edu loan emi
PS: I do have good salary but I cant pay this amount at once right now and also I live in Bangalore need to manage rent emi and commute but I can afford more emi
Please help with your suggestion or working way to get over with this
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I'm writing this with a heavy heart. I'm 42, a B.Com graduate, and honestly, I've made some terrible decisions in life.
My parents loved me and provided everything I needed, but I never took responsibility seriously. I lied about money, pretended to have a job, and kept hiding my failures instead of facing them. After my parents passed away, things became worse. I fell into online gambling and alcohol addiction, and my life slowly spiralled out of control.
Today, I owe around ₹25 lakh to friends and relatives. My wife's jewellery was sold, my bikes are gone, and I'm struggling to pay rent and basic household bills. I have no stable work experience or special skills, and at 42, I feel lost about where to start.
But I have two daughters. They deserve a father who tries to change, and I want to rebuild my life for them. I'm not looking for shortcuts. I want to work honestly, earn a living, and repay my debts gradually.
I urgently need practical advice:
What jobs can someone like me realistically get?
What skills can I learn from scratch to earn around ₹25,000 per month?
Are there legitimate organisations or platforms that help people facing temporary financial hardship?
If anyone genuinely wishes to offer voluntary financial assistance, it would also help me manage essential expenses while I try to get back on my feet.
UPI: kapilpawar23@upi
I'm willing to share more details privately with anyone who wants to understand my situation. I know I cannot undo my past, but I want to take responsibility and change my future.
Please be honest with me. Even one practical suggestion or job lead could make a real difference.
Thank you for reading.
Currently my parents took a 10L loan as sbi bank manager personally offered us and they took it to use for our house construction..
Can my parents take another 5-10L loan from PNB bank ? ( they do not have account in sbi)
My parents businesses generate around 80k-1.2L monthly..
They took the first loan 5 months ago
Plz let me know if they can, and likelyness to be approved.
I've asked ai but the answers are very indirect
Edit - health insurance
This company is just amazing. They increased my premium in 2024 by over 25%, and after that increase, I reached out to them asking why there was such a high increase in the premium. They responded saying it is inflation, IRDA approves all premium increases, and it is as per regulation.
After that, my new renewal came in 2026. Mind you, over all these years since I started the policy in 2020, I have not filed for a single claim till now. In 2026, just to be careful, I renewed my policy only for 1 year. For all the other years from 2020 till 2024, I renewed my policy every 2 years, so I was paying the premium for 2 years. This year, when I paid a single-year premium, my single-year premium was equal to my 2-year premium in 2024, which means they literally doubled my premium to keep the policy.
It seems just because I've started complaining for the last 2 years that my premium increase has been really more rampant. It is sad, and this is after filing 2 complaints to the grievance cell. Still, they come back with just literature: it is linked to inflation, and it is approved by IRDA. how are you all keeping up with this abuse. I can't imagine my plight if i actually file a claim or actually need to use their service. Frankly, I am at a loss for words for this company. Even after having no claim and just paying premiums, I will share some exact numbers for all of you to get a perspective on why you should not go to such an abusive firm. If somebody is an influencer and wants to take up this cause, I have all the company numbers, etc., because I really want to showcase to our community what such companies are doing. Just because other people are too busy in their lives to take this up
Hey everyone, I am incredibly stressed out right now.
I sent the money to a different UPI id than the one I was intending to, I got confused because both of them had the same name. I know it’s my fault. I took this Uber ride in Bangalore, I have the drivers name, licence plate and UPI ID.
Because it has been over 30 days since the trip, Uber has completely blocked the option to call or message the driver through the app due to their privacy policies. Level 1 customer support has been no help. I am a college student, and losing this amount of money is a massive blow to me.
I have also called my bank and filed a complaint but they mentioned that it was going to take atleast 35 days.
I have already escalated this to the Uber India Grievance Officer today, but I wanted to ask this community:
Has anyone successfully recovered money sent to a driver via UPI after the 30-day window?
Can my bank or the UPI app (GPay/PhonePe/Paytm) forcefully reverse the transaction if I file a dispute, or am I entirely dependent on the driver being honest and picking up Uber’s calls?
Since I have the vehicle registration number, is there any legal or official way to trace the driver's contact info safely to request the money back?
Any advice, legal steps, or bank dispute tips would mean the world to me right now. Thank you so much.
I also messaged the driver on gpay but he is not responding.
Hi everyone,
I’m 25F, currently earning around ₹1.6 lakh/month, and I’m looking for some honest advice on whether I’m managing/investing my money correctly.
I have a goal of reaching ₹1 crore by the age of 30, but I’m honestly not sure whether my current strategy is efficient enough or if I’m missing something.
My current monthly allocation:
₹32,000 → Mutual funds/SIPs
₹20,000 → Gold
₹10,000 → RD
₹16,000 → FD
₹20,000 → Send to family
₹30,000–35,000 → Monthly expenses (rent, food, travel, shopping, etc.)
After all of this, I still have some amount left each month, but I’m not sure where I should put it or how I should structure my overall portfolio.
My main goal
I want to reach ₹1 crore by age 30.
I have roughly 5 years, so I’d really like to understand:
Am I investing too conservatively?
How much should ideally be invested every month to reach ₹1 Cr in 5 years?
What would you change if you were in my situation?
My current investments
As of now, I have roughly:
₹6 lakh → Mutual funds
₹40,000 → Direct stocks
₹1.5 lakh → Gold
₹1.7 lakh → RD
₹2 lakh → FD
₹1.3 lakh/year → LIC policy
Short-term requirement
I’m also planning to make a few big purchases in the near future , around ₹1.5 lakh total for a phone/watch and other things.
So I’m also looking for suggestions for short-term investments (6–18 months) where I can park money without taking too much risk.
I’m open to changing my current strategy completely if it makes sense.
Would really appreciate practical advice from people who have experience with investing in India. Please feel free to point out where I’m going wrong rather than just recommending products.
Thanks!
Earning (42 LPA NETT) 3.5 lakh INR pm
Have own house (small) in tier 1 (not apartment)
Only have saved little - bit flashy lifestyle
Have latest phone and all gadgets from apple
Have a car no loan.
Can save 50% easily 66% if I calm down a lot
I know it’s a bit insane - but I thought my first 2 million ill save by sending to parents so I can’t touch it.. there are weekends when I spend 50k it’s really bad .. has anyone does this before?
A little about me:
- Salary - after recent hike 17LPA, monthly around 1.1LPM (post Tax, ESPP and PF deductions)
- Started earning in 2018 with 1.80LPA
- Currently in a non-technical role but in a big company, limited growth, tough competition for promotions
- Frugal lifestyle
- Dependent parents in hometown staying in a 25 year old flat, which I bought on loan as a poor decision 5 years back and it’s still worth the same around 20 lakhs.
- Father earns a modest amount 12k per month and it’s mostly used in my parents expenses for now, I contribute to their expenses irregularly, around 5k monthly.
- Father might retire anytime so I would take their expenses on me for calculations. There are no saving on their part.
- No other property - Major worry
- Started from scratch, no family assets or properties
- No emergency fund or insurance yet apart from my health insurance from the office, invested most of the idle money in the equity during the current market fall
Monthly commitments:
- EMI for the above home loan 20k, thinking to close it by the year end.
- I stay alone in Tier 1 city - 18k rent
- Approximate expenditure of both the household - 25k
- Mutual fund SIPs 35k (recently increased from 15k)
- 10k ESPP (outside of in hand salary)
- Random Indian stocks purchase
Current assets worth:
- Indian Stocks - current worth 20 lakhs, started the portfolio post covid and currently shows only 25 percent returns due to the market
- Mutual funds (Midcap, Smallcap, flexicap, index funds - current worth 20 lakhs
- US Stocks (ESPP & RSU) - current worth 20 lakhs
- PF- 11 lakhs
Questions:
- Need honest review on my financial situation and what can I so better?
- Is the salary enough, low or average? I understand it’s never enough but I just want to know if I just keep going with this salary with 5-7% annual hike, is it enough for life?
- What should I do about property? It’s a big decision which I am not able to take. Whether I should I buy a plot or a flat or just stay on rent. But then I am scared how the rents could be inflated in future. If I should get into it, how much should I first have for downpayment, I believe the downpayment will mostly be possible after selling all my stocks and mutual funds. But then also scared of taking any loans due to layoffs everywhere
- Considering my current financial condition, when do you think I can retire comfortably. I haven’t thought of a figure but seems like I should aim for 10 crores considering the inflation in future. Is this enough and attainable?
- Not sure if I want to or if I will be able to marry again
- Any other advices or opinions are also welcome
Thank you for reading and your time :)
I’ve seen like 5 Emi posts in the past month or so I was thinking of putting some general doc or guide to help. I was thinking of covering rates and refinancing maybe prepaying but if there’s anything I’m missing feel free to add or tell me and I’ll cover it.