Sango uncle took a webinar today, where he suggested a couple of properties in Pune and Coimbatore (1 flat and 1 plot). Both are by respected builders (1 by Shapoorji, 1 by Godrej). He is saying that the builder himself would rent out the property. But I don't belong to any of these two states/cities. Should I invest in them? What do you guys suggest about

1. These investments.

2. These cities

3. These builders

Looking forward to hearing from you.

Hi. Joined a US based company under contract. They use Deel platform there. Pay in my contract is in INR, i.e fixed INR and it is < 75L.

Now to save Tax, I have already registered for GST as a sole proprietor and will file LUT.

What I am confused is about the process to get e-FIRA and FIRC. According to the Deel AI, for local transfer, the amount will land in my Indian account through NEFT/RTGS. So from my Indian account POV, it will be like a domestic transfer.

Who would actually generate the FIRA/FIRC? Deel says it will only generate a NOC

I have savings account in SBI and Axis. Will there be any issue to withdraw amount in savings account? If no, Which one should I use to avoid much hassle?

If anyone has any idea, Please help.

Thank you

Ask your investing related queries here!

The members of r/IndiaInvestments are here to answer and educate!

Alternatively, you could [join our Discord](https://indiainvestments.wiki/discord) and seek answers to your queries

If you're looking for reviews on any of these following, follow the links:

- [which bank or brokerage to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20banking%20services%20and%20products&restrict\_sr=1&sort=new)

- [which fund house is more capable and trustworthy](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20mutual%20funds%20and%20asset%20management%20services&restrict\_sr=1&sort=new)

- [which investing platform to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20Brokerage%20products%20and%20services&restrict\_sr=1&sort=new),

- [which insurance company is reliable](https://www.reddit.com/r/IndiaInvestments/search/?q=flair\_name%3A%22Reviews%22%20%22Reviews%20of%20Insurance%20products%20and%20services%22&restrict\_sr=1&sort=new)

Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.

Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.

You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.

**NOTE** If your question is _I got 10k INR, what do I do to get most returns out of it?_, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:

- How old are you?

- Are you employed/making income?

- How much? What are your objectives with this money?

- Do you have any loan or big expenses coming up?

- What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)

- What are your current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)

- Any other assets? House paid off? Cars? Partner pushing you to spend more?

- What is your time horizon? Do you need this money next month? Next 20yrs?

- Any big debts?

- Any other relevant financial information about you, that will be useful to give you an informed response.

Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is **NOT** financial advice, in the legal sense of the term.

You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI and have a registration number.

[Links to previous threads](https://www.reddit.com/r/IndiaInvestments/search/?q=advice%20thread%20personal%20situation&restrict\_sr=1).

Long time reader, first time poster.

I've been thinking about this a lot lately — inheritance planning is one of the most financially important things a family can do, but it almost never comes up in personal finance discussions in India.

Some questions I'm genuinely curious about:

→ Do you have a will? If yes, how did you go about making one?

→ If no — what's stopping you? Cost, complexity, just haven't gotten around to it?

→ Have you ever seen a family go through a property dispute after someone passed away without a will?

I'm asking partly because I'm a student who recently lost a family friend to exactly this situation — a messy inheritance dispute that tore the family apart — and it got me thinking about whether there's a simpler way to fix this.

Would genuinely love to hear how this community thinks about it.

We have recently launched India's first Life Cycle funds. Each Life Cycle fund is structured around a specific maturity year, called the target year and invests across a mix of asset classes including equity, debt and commodities like gold and silver. 

The portfolio follows a pre-defined asset allocation that shifts systematically from a growth-oriented (higher risk) allocation in the early years to a more conservative allocation (lower risk) as the target year approaches. This means an investor in a Life Cycle fund today holds a meaningfully different portfolio from what they will hold after 10 years. The shift happens automatically, based on a pre-defined asset allocation path, without requiring any action from the investor. 

The Zerodha Life Cycle fund series follows the philosophy of simple, rule-based investing. The series comprises two maturity variants - the Zerodha Life Cycle Fund 2036, which matures in 10 years and the Zerodha Life Cycle Fund 2041 which matures in 15 years. Over time, additional schemes with different/varying maturity years will also be launched, ensuring investors at every life stage have a fund built around their timeline.

Globally, target-date funds have assets of over $4 trillion and serve as the default retirement investment vehicle for millions of investors. A similar concept is now available in India in a simple, transparent, goal-based structure designed as Life Cycle funds.
 
Feel free to ask me anything about these funds or any other questions you have about Zerodha Fund House.

For more information about the Zerodha Life Cycle fund series, check out this link.

The Information provided during this Ask me Anything (AMA) session is for general knowledge and informational purposes only and does not constitute financial advice. 

Investing in mutual funds and other financial products involves risk, including the potential loss of principal. Past performance is not indicative of future results. Before making any investment decisions, investors should conduct their own research and seek advice from qualified financial advisors to ensure that the respective products and strategies are suitable for their specific financial situation and objectives.

https://preview.redd.it/3gmgia4fbr9h1.png?width=2160&format=png&auto=webp&s=fd7523dabf3c627c1a9cff0dc5220829527569f7

https://preview.redd.it/5o37du0ibr9h1.png?width=2160&format=png&auto=webp&s=d52cc7cc70f88d8241946111008584ea6207766b

>Thanks everyone for the participation. Really enjoyed the discussion today.

Ask your investing related queries here!

The members of r/IndiaInvestments are here to answer and educate!

Alternatively, you could [join our Discord](https://indiainvestments.wiki/discord) and seek answers to your queries

If you're looking for reviews on any of these following, follow the links:

- [which bank or brokerage to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20banking%20services%20and%20products&restrict\_sr=1&sort=new)

- [which fund house is more capable and trustworthy](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20mutual%20funds%20and%20asset%20management%20services&restrict\_sr=1&sort=new)

- [which investing platform to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20Brokerage%20products%20and%20services&restrict\_sr=1&sort=new),

- [which insurance company is reliable](https://www.reddit.com/r/IndiaInvestments/search/?q=flair\_name%3A%22Reviews%22%20%22Reviews%20of%20Insurance%20products%20and%20services%22&restrict\_sr=1&sort=new)

Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.

Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.

You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.

**NOTE** If your question is _I got 10k INR, what do I do to get most returns out of it?_, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:

- How old are you?

- Are you employed/making income?

- How much? What are your objectives with this money?

- Do you have any loan or big expenses coming up?

- What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)

- What are your current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)

- Any other assets? House paid off? Cars? Partner pushing you to spend more?

- What is your time horizon? Do you need this money next month? Next 20yrs?

- Any big debts?

- Any other relevant financial information about you, that will be useful to give you an informed response.

Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is **NOT** financial advice, in the legal sense of the term.

You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI and have a registration number.

[Links to previous threads](https://www.reddit.com/r/IndiaInvestments/search/?q=advice%20thread%20personal%20situation&restrict\_sr=1).

One of the biggest misconceptions in financial markets is that crises are always caused by bad assets or excessive leverage.

More often than not, they start with liquidity.

SEBI's June 19 circular allowing mutual funds to use intraday borrowing is an interesting step in addressing exactly that problem. On the surface, it looks like a technical operational change. But from a market structure perspective, it has broader implications.

What's the issue?

Imagine a debt fund has redemption requests to honour today, while cash from maturing TREPS, T-Bills, or G-Secs is only credited later the same day.

The fund isn't insolvent.
The assets exist.
The cash is simply arriving later.

Without a temporary liquidity bridge, the fund could be forced to sell securities purely because of timing—not because the portfolio is under stress.

What changes now?

SEBI now allows AMCs to borrow intraday to bridge these temporary cash mismatches.

SEBI has built-in key structural safeguards:

1. Zero Leverage: This cannot be utilised as a tool to increase a scheme's investment exposure or take on extra portfolio risk.
2. Strict Deadlines: The facility is purely intraday; positions must generally be extinguished by the end of the trading day...
3. AMC Absorbs Costs: The cost of setting up and utilising these borrowing lines cannot be charged to the scheme's Expense Ratio. The AMC pays for it out of its own pocket.

Why does this matter?

During periods of heavy institutional redemptions or volatile markets, forced selling can amplify price moves and reduce liquidity for everyone.

This framework reduces the likelihood that an operational cash-flow mismatch leads to unnecessary market selling.

Will it prevent every liquidity event? Of course not.

But it does improve the plumbing of India's mutual fund ecosystem by giving AMCs a controlled way to manage temporary cash shortages instead of immediately selling assets.

To me, this is one of those regulatory changes that probably won't make headlines but could quietly make the system more resilient over time.

Curious to hear what others think. Do you see this as a meaningful improvement in market infrastructure, or is its impact likely to be limited to day-to-day fund operations?

Hi everyone, I am considering allocating a portion of my portfolio to Portfolio Management Service (PMS) for equity investing. I have a few questions for those who have used or evaluated them:

How do you evaluate whether a PMS manager can consistently beat benchmarks like the Nifty after accounting for management fees, profit-sharing, and capital gains taxes?

At what corpus size do you think PMS fees become justifiable over standard Direct Equity or Mutual Funds?

For those who have invested in a PMS, has the outperformance (alpha) been worth the higher risks and administrative complexity?
Thanks for your insights!

&#x200B;

Is there any international fund available to play AI theme across regions?

Essentially a fund that has good weightage to stocks like

NVIDIA

TSMC

..and similar stocks

I know most funds are region specific...so not sure if there are any fund which are across region e.g. both covering US, SouthKorea, Taiwan markets, etc

Hey everyone,

I got tired of seeing people panic about tax notices that are completely routine, or worse — ignore serious ones because they didn't understand what was happening.

So I built Tax Notice Shield on SalaryBit: https://salarybit.in/notice-shield.html

What it does:

If you already have a notice → pick the section number → get:

• Plain English explanation of what it means
• Your exact deadline
• Step-by-step action list
• Draft response letter for the e-Proceedings portal

If you're worried you might get one → answer 8 questions about your return → get a green/amber/red risk score with specific tips.

Sections covered: 143(1), 139(9), 143(2), 148, 156, 245, 131, 133(6)

It's free, no login, no BS.

Also has a paid ₹149 deep analysis if you want to upload your Form 16 + AIS for a line-by-line mismatch check.

Happy to answer questions about any notice type in the comments. I've been dealing with tax notices professionally for a while and most of them are far less scary than they look.

We have a big AMA session lined up for you! On June 27th, we are hosting Vishal Jain, CEO of Zerodha Fund House.

Zerodha Fund House just announced something that could completely change how Indians plan for long-term goals: India's first-ever Life Cycle (Target-Date) Funds. While target-date funds are a $4 trillion cornerstone of retirement planning globally, the concept is brand new to the Indian mutual fund ecosystem.

The fund starts with higher allocation to equity and systematically shifts to conservative assets as your target year approaches. The entire asset allocation shift happens automatically based on a pre-defined path. No manual intervention required. The Zerodha Life Cycle funds are also structured to retain equity taxation throughout their entire lifecycle.

Whether you're investing for retirement, a child's higher education, or buying a home, this AMA is your chance to get your questions answered directly by the team building it.

You can ask anything around:

1. What life cycle funds are and how they work

2. How the glide path is designed and what it means for your returns

3. Why this structure makes sense for long-term Indian investors

4. Who this is (and isn't) for

5. Anything else you want to ask on Zerodha Life Cycle Funds

Drop your questions in the comments below and Vishal will answer them on June 27th.

Ask your investing related queries here!

The members of r/IndiaInvestments are here to answer and educate!

Alternatively, you could [join our Discord](https://indiainvestments.wiki/discord) and seek answers to your queries

If you're looking for reviews on any of these following, follow the links:

- [which bank or brokerage to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20banking%20services%20and%20products&restrict\_sr=1&sort=new)

- [which fund house is more capable and trustworthy](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20mutual%20funds%20and%20asset%20management%20services&restrict\_sr=1&sort=new)

- [which investing platform to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20Brokerage%20products%20and%20services&restrict\_sr=1&sort=new),

- [which insurance company is reliable](https://www.reddit.com/r/IndiaInvestments/search/?q=flair\_name%3A%22Reviews%22%20%22Reviews%20of%20Insurance%20products%20and%20services%22&restrict\_sr=1&sort=new)

Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.

Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.

You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.

**NOTE** If your question is _I got 10k INR, what do I do to get most returns out of it?_, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:

- How old are you?

- Are you employed/making income?

- How much? What are your objectives with this money?

- Do you have any loan or big expenses coming up?

- What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)

- What are your current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)

- Any other assets? House paid off? Cars? Partner pushing you to spend more?

- What is your time horizon? Do you need this money next month? Next 20yrs?

- Any big debts?

- Any other relevant financial information about you, that will be useful to give you an informed response.

Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is **NOT** financial advice, in the legal sense of the term.

You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI and have a registration number.

[Links to previous threads](https://www.reddit.com/r/IndiaInvestments/search/?q=advice%20thread%20personal%20situation&restrict\_sr=1).

Ask your investing related queries here!

The members of r/IndiaInvestments are here to answer and educate!

Alternatively, you could [join our Discord](https://indiainvestments.wiki/discord) and seek answers to your queries

If you're looking for reviews on any of these following, follow the links:

- [which bank or brokerage to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20banking%20services%20and%20products&restrict\_sr=1&sort=new)

- [which fund house is more capable and trustworthy](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20mutual%20funds%20and%20asset%20management%20services&restrict\_sr=1&sort=new)

- [which investing platform to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair\_name%3A%22Reviews%22%20Reviews%20of%20Brokerage%20products%20and%20services&restrict\_sr=1&sort=new),

- [which insurance company is reliable](https://www.reddit.com/r/IndiaInvestments/search/?q=flair\_name%3A%22Reviews%22%20%22Reviews%20of%20Insurance%20products%20and%20services%22&restrict\_sr=1&sort=new)

Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.

Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.

You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.

**NOTE** If your question is _I got 10k INR, what do I do to get most returns out of it?_, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:

- How old are you?

- Are you employed/making income?

- How much? What are your objectives with this money?

- Do you have any loan or big expenses coming up?

- What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)

- What are your current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)

- Any other assets? House paid off? Cars? Partner pushing you to spend more?

- What is your time horizon? Do you need this money next month? Next 20yrs?

- Any big debts?

- Any other relevant financial information about you, that will be useful to give you an informed response.

Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is **NOT** financial advice, in the legal sense of the term.

You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI and have a registration number.

[Links to previous threads](https://www.reddit.com/r/IndiaInvestments/search/?q=advice%20thread%20personal%20situation&restrict\_sr=1).

This is the promotional content thread for this month. This will be a recurring thread where we waive the "no self promotion" rule that we enforce so strictly.

So if you have a blog, feel free to share a recent article that you feel is interesting and applicable. If you've made some tools / products, tell us about it. If you updated something you'd made give us some details.

Please, if you share something, be engaged, and answer queries from the community. Don't just post something and disappear.

Rules:

- Post about your own 'thing' on a top level comment.
Don't respond to another top-level comment with your own 'thing'. Link only comments will be removed - you must provide a summary about what you are linking.

- No mailing list signup comments

We will allow links to a webpage that contains a mailing list sign-up form, but only if the page you are sharing contains meaningful content and you don't highlight the existence of a mailing list in your comment on Reddit.

We don't want our subscribers to be spammed.

- Paywalled features and content

There may be paid features locked or some articles maybe available on payment, but if the entire article cannot be viewed for free or the results of a tool are blocked without payment then such a submission may be removed.

If collection of user data is required to use the thing you are sharing we STRONGLY encourage you to contact the moderation team first. If the moderation team has concerns about data you collect, the comment may be removed and may not be reinstated in a timely manner.

- No 'special deals' for Reddit. We're not looking to make a sale and deals thread.

- No referrals

- No investment opportunities.

---

Please upvote what you like, but focus on providing respectful feedback for what you don't like. Many people who make something would love to hear from you, so be a community, and be kind.

Wondering whether you should post here? Take a look at the previous promotional threads.