advice

Today, I visited my Bank of Baroda (BOB) home branch to close my existing PMJDY zero-balance savings account and open a BOB Super Savings Account, which offers a platinum RuPay debit card and requires a ₹20,000 MAB. To ensure a smooth process, I carried all original ID proofs, my PMJDY debit...

Hey guys, I need some advice. My CIBIL score dropped from 745 to 709 after a loan closure update. The only change in my report was that Asset Care updated my account from "Settled" to "Closed" on Feb 15, 2025. No other loans, credit card usage, or late payments were added. From what I...

Hello TechnoFino Community, I currently hold a DCB Metal card with 8L CL. Over the next two quarters, I have significant planned expenses, including an international holiday and home renovation, totaling approximately ₹8.5L in spends over six months. I’d like to know what spend threshold...

Hi everyone, I’m looking for advice from financial experts regarding a debt consolidation loan. Here’s my situation: My friend and I started a business that unfortunately went into a total loss. Due to personal reasons, my friend won’t be able to contribute to settling the loan immediately...

Axis Bank credit card is getting rejected again and again. This is the 4th time. Now I will have to wait for 6 months again. CIBIL was also good 770 and no late payment bus utilization was 29%. And when I asked the customer care about the reason they said bank's internal policy. I am...

Hello everyone, I have been tried to apply for an IDFC First Credit Card for the past 2 years and everytime after filling Employment Details and Card2Card Details, the system throws error 'Sorry Unable to Proceed' and at the same time gets SMS as application rejected. Previously when I called...

I need some advice regarding an issue with my Kotak 811 Zero Balance Account, which recently got blocked unexpectedly. Background: I opened my Kotak 811 account around 2 years ago (Full kyc), but I used it only occasionally. For the past 2-3 months, I started using it regularly as my secondary...

Greetings everyone, new member here. A little financial background about myself: -Annual income is about 3.5L, no TDS, I get paid directly to my savings account in SBI. Theres no salary slips/form16 either -I have been using mostly my DC and UPI so far. Recently only I realized I am missing out...

Hi everyone, I’m a complete newbie when it comes to health insurance and need some advice. Four years ago, my mother purchased two health insurance policies ( Star Health)—one for herself and one for me—through a local agent. He also sells LIC and Star Health policies and is a well respected...

Need advice on top credit/debit cards to shop on Dmart Ready app

Need advice, I pay cc bills via Navi using Fi dc, for BPCL card, total bill with annual fee around this time was 693, I cleared 500, then 193. 500 got thru, but somehow 193 failed which I noticed today when I got sms of late payment. Minimum due was same as total due. Now got reported to...

I have been looking for a good Rupay credit card. As my UPI spends are not much I don't want a card with annual fees as I am already paying annual fees for the SBI CB card. Usually all my spends are done by credit cards so I just want a Rupay Card to pay on places which don't accept credit cards...

Hi everyone, I’m sharing my recent experience with applying for the HDFC Tata Neu Credit Card and need some advice on how to proceed. I applied for the card via the Tata Neu app in the first week of December. Unfortunately, I missed entering a part of my address—specifically the post...

Hi everyone, I’m planning to buy the Samsung S24 Plus and could use some advice. Here's the situation: (I have prebooked the S25 series and pre-reserved a display unit, so I have about 48 hours to decide.) At Vijay Sales: A display piece is available for ₹53,999. On Flipkart: Selling for...

Hi everyone, I’m considering opening an IndusInd Pioneer account and wanted your opinions on whether it’s worth it. The account requires maintaining an AMB (Average Monthly Balance) of ₹10L, and here are the main benefits they’re offering: Free Locker Facility Interest Rate of 7% on Savings...

Hi everyone, I'm looking for advice on health insurance for my parents. My dad is 49 with high blood pressure, and my mom is 46 with diabetes. They have government insurance, but for serious medical issues, we prefer private hospital care. I'm searching for a plan covering pre-existing...

I’m planning to take a mortgage loan of ₹45 lakh for 5 years. I’d like to know which bank or financial institution offers the lowest interest rates and the best terms. As I’m new to this process, I would appreciate guidance on what key parameters to consider when comparing offers from two or...

Hello Technofino Community, I currently have a home loan with ICICI Bank that was taken for purchasing an empty plot. The current interest rate on this loan is 9.4%, and I am exploring two options: Top-Up Loan: Is it possible to top up my existing home loan with ICICI Bank for additional...

I’m planning to do a Fixed Deposit at Utkarsh Small Finance Bank, but the bank executive is suggesting I open a savings account first. They mentioned that the minimum average balance required is ₹5000 quarterly, but no charges will be applied. I don’t need a debit card or any additional...

Looking to buy a car-sedan. This would be our first car. My wife would be the primary driver. I am hoping I would be keen to learn car driving in the future. Have driven Activa till now. Mostly will be using in the city for errands and sometimes outstation trips. We are not sure yet how much...