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Which is the best car renewal insurance mode?
Online or Offline(from Showroom)
zacobite
zacobite
offline.. you can negotiate hard / edit conditions. not showroom.. through agent.. online is fixed price
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prajaktautekar
Offline is better than online.As in you come to know what all is covered in your car insurance.In case of online they show you less premium initially later they charge you saying these things are not included or if you wish to addon you will have to pay more premium.
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sumitgangvani
Car showroom is just a showroom to purchase a car, it's not an insurance point. All the Insurance companies in india are same as shown in online and offline. if you know A to Z process of insurance buying and claim processing and have extra time to involve in it, you may go through online for better options, but if you trust your agent you may extremely go for offline.
First Profile Post to understand if there is any traction/activity or the forum is on ventilator !!
T
Tintin
I am facing a serious issue regarding revoked account in Paytm money. I am trying to resolve but failed. Can you suggest me how to resolve it ?
wcgxlr8
wcgxlr8
@Tintin do you know it has been revoked? Did they share any emails?
Dark Knight
Dark Knight
Paytm money is facing lot of issues raise with customer care asap
I just wanted to know that what is the cibil report date of NBFC's like Slice, Branch, Zip, One card, etc.
Skylar
Skylar
OneCard - South India Bank - Month end.
I also see pre-qualified credit card option when i login onto net banking can you answer some questions:

1) How was KYC done -vkyc, offline kyc or just simple (selfie upload & ₹1 Credit-Debit like SBI Sprint)
2) Did you submit any documents ?
3) How much time did it take to get it approved and dispatched ?
As I have seen every second person is investing money in Mutual Funds and Stocks. I also want to invest money but with a small amount of Rs. 10k. Please guide me
TaxWiser
TaxWiser
First decide your Risk Appetite, Investment Goals & tenure. Then according to that, DYOR b'coz No one can decide what's best for you except you yourself

If you're a newbie in Investment, my advice would be try considering Smallcase & Ready Made stocks & MF baskets, then with time keep modifying your portfolio as per your experience. 🤗
I am 20 year old student i am looking for credit card, to increase my cibil score, I am using IDFC wow Rupay card, with 10k FD in that, now i requires an unsecured CC also, can anyone please help me how to proceed with my first unsecured CC.
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sumitgangvani
Credit card is not an Initial option to uplevel your credit score, if you're 20 years old then you may also can purchase any small amount of smartphone let's say around Rs. 25,000 on no Cost EMI. HDB financial will be the better option for that and clear the EMI's on time, after closure it will automatically offer you more which will be the signal of increased credit score. (y)
I am 20 year old student i am looking for credit card suitable for my preference is no joining or annual fees & if rupay is available i preferred
TaxWiser
TaxWiser
I suggest to wait until u turn 21 & go with Amazon Pay ICICI LTF CC as you can earn cashbacks
And if you can meet the following Criteria then here are 2 LTF Rupay CC:
1. IDFC WOW Rupay CC: Requires FD​
2. PNB Platinum Rupay CC: Requires ITR i.e. nearly impossible for students, but keep this CC in your bucket list
Hope this helps! 🤗
A
Aizen164
Thanks
Are you going to buy two wheeler bike on finance???
TaxWiser
TaxWiser
Never, unless the finance option provides me the bike at equal or lesser rate compared to full payment option which is very rare 😉
EMIs are mostly traps, so opt for EMI option wisely considering the benefit or else in longer run this EMI habbit will ruin your finances 😑

Hope you will take my thoughts in +ve way 🤗
For transparency in interactions on this platform, I use AI only to provide solutions for resolving queries and do not use AI in general conversations.
zacobite
zacobite
yeah.. i see that however AI many times is not accurate.. so..
TaxWiser
TaxWiser
@zacobite Absolutely Correct, but I always personally verify the content before posting. And even after that, if I miss something, then I can always rely on Community members like you to Correct me without making any mean comments.
Share Knowledge, Grow Together ❤️
Note: I started mentioning Source:AI if used but if not mentioned then it's 100% my thoughts. 🤗
zacobite
zacobite
Cheers..
I have a bank loan going on with the bank of Baroda for 6 months now. I have paid the EMI in access every month on account of reducing my interest expenses. Today when I checked my statement I found that the excess amount which I have been paying has not been deducted in the principal amount but rather has been set aside as over funded amount. Is this so called "overfunded" amount justified ?
Skylar
Skylar
I have observed that PSU banks sometimes handle situations in a peculiar manner. Unlike other banks, where excess payments are typically adjusted in the next month’s EMI, PSU banks tend to allocate the surplus as an ‘overfunded’ amount.
Please visit the bank and get it cleared.
I sold my car so i got 5 Lacs where should i invest so that i can get monthly income for my wife
Mohit64
Mohit64
@BHAVESHKESWANI Can you Tell me About Any MF as shes having SIP of 8K monthly
BHAVESHKESWANI
BHAVESHKESWANI
invest in Mirae Asset, Axis Bluechip, SBI Bluechip
R
raj31
Invest in SBI life annuity plan and there you can choose how much you want per month also select the plan that will return you invested amount after any casualty happens to the person depositing.
Hi, I have 20 years Banking experience in Import Export Department.
You may asked your problem, I will try my best to guide you.
K
karan thakur
Best account knsa rahega foreign people ke liye. And kon se bank fd return good deti hai.
Kisi ko pata ho to batao
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