विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Ans: जियो फाइनेंशियल सर्विसेज (JFSL) भारत के उभरते वित्तीय पारिस्थितिकी तंत्र में एक मजबूत खिलाड़ी के रूप में उभर रही है। रिलायंस इंडस्ट्रीज द्वारा समर्थित, यह अपने विशाल दूरसंचार और खुदरा उपयोगकर्ता आधार - 450 मिलियन से अधिक ग्राहक - का लाभ उठाकर डिजिटल ऋण, बीमा और म्यूचुअल फंड जैसे वित्तीय उत्पादों को क्रॉस-सेल कर रही है। यहाँ इसकी विकास संभावनाओं का एक स्नैपशॉट है: - रणनीतिक साझेदारी: ब्लैकरॉक के साथ इसका संयुक्त उद्यम म्यूचुअल फंड स्पेस में एक गेम-चेंजर है, जो जियो की पहुंच को ब्लैकरॉक की वैश्विक परिसंपत्ति प्रबंधन विशेषज्ञता के साथ जोड़ता है। - विविध पेशकश: JFSL सुरक्षित ऋण (जैसे म्यूचुअल फंड और संपत्ति के खिलाफ ऋण), बीमा ब्रोकिंग और डिजिटल भुगतान में विस्तार कर रही है। - तकनीक-संचालित बढ़त: रिलायंस के डिजिटल डीएनए के साथ, JFSL से लागत कम करने और ग्राहक अनुभव को बढ़ाने के लिए AI-संचालित क्रेडिट मॉडल और ब्लॉकचेन-आधारित प्लेटफ़ॉर्म तैनात करने की उम्मीद है। - बाजार की स्थिति: हालांकि इसे बजाज फाइनेंस और पेटीएम जैसी कंपनियों से कड़ी प्रतिस्पर्धा का सामना करना पड़ रहा है, लेकिन तेजी से विस्तार करने और कम सेवा वाले बाजारों का लाभ उठाने की इसकी क्षमता इसे एक अनूठी बढ़त देती है। विश्लेषकों का अनुमान है कि इसके शेयर की कीमत 2025 के अंत तक ₹220-₹255 के बीच हो सकती है, जो कि क्रियान्वयन और बाजार की स्थितियों के आधार पर 2026 तक ₹300-₹385 तक पहुंचने की क्षमता रखती है।

Ans: चरण 1: अपनी मासिक ऋण क्षमता जानें
मान लें कि आप अपनी आय का 50–55% ऋण चुकौती के लिए आवंटित कर सकते हैं:
• ₹1.08–1.18 लाख/माह आपका लक्षित EMI बजट है।
चरण 2: पहले उच्च-ब्याज वाले ऋण को प्राथमिकता दें
क्रेडिट कार्ड और व्यक्तिगत ऋण पर आम तौर पर 15–36% ब्याज लगता है, जबकि गृह ऋण पर लगभग 8–9% ब्याज लगता है। इसलिए:
1. क्रेडिट कार्ड (₹11L) - इसे पहले चुकाएँ।
2. व्यक्तिगत ऋण (₹28L) - अगली प्राथमिकता।
3. गृह ऋण (₹46L) - अंतिम, क्योंकि यह कम लागत वाला है और कर लाभ प्रदान करता है।
चरण 3: समेकन पर विचार करें
आप निम्न पर विचार कर सकते हैं:
• ऋण समेकन ऋण क्रेडिट कार्ड + व्यक्तिगत ऋण को एक कम-ब्याज वाली EMI में संयोजित करने के लिए।
• क्रेडिट कार्ड के लिए बैलेंस ट्रांसफर, ताकि ब्याज को अस्थायी रूप से कम किया जा सके।

FRED, SingleDebt या Debt Relief India जैसे प्लेटफ़ॉर्म संरचित ऋण प्रबंधन योजनाएँ प्रदान करते हैं।

चरण 4: 6-वर्षीय पुनर्भुगतान योजना (उदाहरण)

ऋण प्रकार राशि (₹L) लक्ष्य अवधि मासिक EMI (लगभग)

क्रेडिट कार्ड 11 1 वर्ष ₹1.0–1.1 लाख

पर्सनल लोन 28 3 वर्ष ₹0.9–1.0 लाख

होम लोन 46 6 वर्ष ₹0.8–0.9 लाख

आप भुगतानों को बढ़ा-चढ़ाकर बता सकते हैं—एक बार जब एक ऋण चुकता हो जाता है, तो उस EMI को अगले में जोड़ दें।

तेजी लाने के लिए सुझाव

बोनस या प्रोत्साहन? ऋण के लिए 70–80% का उपयोग करें।

लाइफ़स्टाइल मुद्रास्फीति में कटौती करें—खर्चों पर बेरहमी से नज़र रखें।

• जब तक कि यह रणनीतिक न हो (जैसे, पुनर्वित्तपोषण) नया ऋण लेने से बचें। विलंब शुल्क से बचने और क्रेडिट स्कोर में सुधार करने के लिए EMI को स्वचालित करें।

Ans: कृपया सही उत्तर के लिए Kfintech से संपर्क करें क्योंकि सीमित/कोई डेटा उपलब्ध नहीं है

Ans: कृपया सही उत्तर के लिए Kfintech से संपर्क करें क्योंकि सीमित/कोई डेटा उपलब्ध नहीं है

Ans: ऐसा कुछ करने के बारे में कभी मत सोचिए, पैसा ही सब कुछ नहीं है, आप अपने रिश्तेदारों को बता सकते हैं कि आपके साथ धोखाधड़ी हुई है और वे समझ जाएंगे, आप यह पैसा कमा सकते हैं और उन्हें वापस लौटा सकते हैं और घोटालेबाजों के खिलाफ पुलिस में शिकायत भी दर्ज करा सकते हैं।

Ans: ?

Ans: कौन सा?

Ans: - If the final call money on your shares wasn’t paid, the company may have forfeited those shares. This was a common practice, especially in the 1990s, when companies issued partly paid shares. Forfeiture typically means the shareholder loses rights to the shares unless the company offers a reissue or revival scheme.

Ans: then thats the right number, plz follow the process.

Ans: plz connect with their RTA Purva Sharegistry (India) Pvt. Ltd, No 9, Shiv Shakti Industrial Estate, Ground Floor, J R Boricha Marg, Opp Kasturba Hospital, Lower Parel,Mumbai,Maharashtra,400011

Ans: plz connect with the registrar Kfintech for the right answer as there is limited/no data available

Ans: When you inherit shares, the cost of acquisition for tax purposes is determined based on the price at which your father originally purchased them. Here’s how you can approach it:
- Use the Original Purchase Price: The cost of acquisition is the price at which your father bought the shares. If you don’t have records, try checking old brokerage statements, demat account records, or consulting the broker he used.
- Fair Market Value (FMV) Method:
- If the shares were acquired before April 1, 2001, you can take the FMV as of April 1, 2001 as the cost of acquisition.
- If the shares were listed on a stock exchange and held on January 31, 2018, and sold after March 31, 2018, the FMV as of January 31, 2018, can be considered as the cost of acquisition.
- Bonus Shares: If your father received bonus shares, their cost is considered zero for capital gains calculation.
- Holding Period: The holding period includes the time your father held the shares, which helps determine whether the gains are short-term (held for ≤12 months) or long-term (held for >12 months).
- Tax Treatment:
- Long-term capital gains (LTCG) on listed shares exceeding ?1 lakh are taxed at 10% without indexation.
- Short-term capital gains (STCG) are taxed at 15%.
If you don’t have access to purchase records, you may need to estimate the FMV based on historical stock prices or consult a tax expert for guidance.

Ans: you need to hold for 3yrs more atleast.

Ans: this is a fraud, plz file a complaint to police. there is no such concept of QIB allocation for retail.

Ans: please convey the source of this calculation as there is no/little information available. only Kfintech who is the registrar can give the right information.

Ans: plz contact Kfintech and get a fresh certificate of JSW Steel and then contact your broker and convert the same in dmat

Ans: plz connect Kfintech for the right answer as there is limited/no data available

Ans: contact kfintech for the right answer as there is limited data available

Ans: first contact kfintech and get a fresh certificate of JSW steel as this is converted and then approach your broker who will help you to dematerialise the shares

Ans: first contact kfintech and get a fresh certificate of JSW steel as this is converted and then approach your broker who will help you to dematerialise the shares

Ans: Let’s approach this in phases, like a strategy to reclaim your peace and your finances:

Phase 1: Stabilize and Stop the Bleeding
- Stop any further trading or taking on new loans — this may already be clear to you now, but your awareness and admission show that you’ve learned from it.
- Prioritize debts by urgency and interest rates:
- Credit card (15L) – likely highest interest, needs urgent attention.
- Gold loan (5L) – usually short-term, with moderate rates. Negotiate rollover if needed.
- Personal loan (20L) – medium-term priority.
- Home loan (20L) – lowest priority; keep EMIs running if possible.
- Talk to lenders now. Many offer restructuring under RBI guidelines:
- Convert CC or PL into longer-term loans with lower EMIs.
- Ask about moratorium or partial payments.
- Use the term "financial hardship due to medical emergency"—many lenders will respond better when it’s health-related.

Phase 2: Budget Like a Warrior
You earn ?13L per year (~?80K/month in hand post-tax & PF). The goal is to reduce EMIs to ~?40-45K/month if possible, leaving you enough to survive and breathe.
- Draft a no-frills survival budget—cut down discretionary expenses to zero for 12 months.
- Consider staying with extended family (if possible) to reduce rent or utility pressure.
- Free apps like Walnut or Cube Wealth can help you track and trim with precision.

Phase 3: Explore Boosters
- Secondary Income: With your skill set and dedication, explore freelance remote projects. Just 5–10K/month can be a massive psychological win and financial relief.
- Government Schemes: If your parents are now senior citizens, explore Ayushman Bharat or state-level health subsidies to avoid future shocks.

And finally—your mindset
This situation is brutal, yes. But temporary. You’ve survived the worst—health emergencies, emotional betrayal by social media influencers, and financial collapse. You’ve already paid the cost of those mistakes. You don’t owe them another ounce of your peace or self-worth.
You’re not the guy who failed with F&O trades.
You’re the guy who fought cancer and heart attacks and won.

Ans: Let’s approach this in phases, like a strategy to reclaim your peace and your finances:

Phase 1: Stabilize and Stop the Bleeding
- Stop any further trading or taking on new loans — this may already be clear to you now, but your awareness and admission show that you’ve learned from it.
- Prioritize debts by urgency and interest rates:
- Credit card (15L) – likely highest interest, needs urgent attention.
- Gold loan (5L) – usually short-term, with moderate rates. Negotiate rollover if needed.
- Personal loan (20L) – medium-term priority.
- Home loan (20L) – lowest priority; keep EMIs running if possible.
- Talk to lenders now. Many offer restructuring under RBI guidelines:
- Convert CC or PL into longer-term loans with lower EMIs.
- Ask about moratorium or partial payments.
- Use the term "financial hardship due to medical emergency"—many lenders will respond better when it’s health-related.

Phase 2: Budget Like a Warrior
You earn ?13L per year (~?80K/month in hand post-tax & PF). The goal is to reduce EMIs to ~?40-45K/month if possible, leaving you enough to survive and breathe.
- Draft a no-frills survival budget—cut down discretionary expenses to zero for 12 months.
- Consider staying with extended family (if possible) to reduce rent or utility pressure.
- Free apps like Walnut or Cube Wealth can help you track and trim with precision.

Phase 3: Explore Boosters
- Secondary Income: With your skill set and dedication, explore freelance remote projects. Just 5–10K/month can be a massive psychological win and financial relief.
- Government Schemes: If your parents are now senior citizens, explore Ayushman Bharat or state-level health subsidies to avoid future shocks.

And finally—your mindset
This situation is brutal, yes. But temporary. You’ve survived the worst—health emergencies, emotional betrayal by social media influencers, and financial collapse. You’ve already paid the cost of those mistakes. You don’t owe them another ounce of your peace or self-worth.
You’re not the guy who failed with F&O trades.
You’re the guy who fought cancer and heart attacks and won.

Ans: contact https://www.kfintech.com/contact-us/

Ans: contact https://www.kfintech.com/contact-us/

Ans: https://www.kfintech.com/contact-us/

Ans: https://www.kfintech.com/contact-us/

Ans: plz connect Kfintech for your answer

Ans: if it is from the registrar then it has to be right.

Ans: trading will never fetch you a stable income, about changing your house is a sole your decision. I can only tell you that plz stay away from trading.

Ans: you need to contact your broker and fill a DRF (dematerialization requisition form) with your certificate attached to it. Your broker will help you to send it to the registrar and get it dmat

Ans: no data available, connect with kfintech for the right answer

Ans: Jio BlackRock Mutual Fund, a joint venture between Jio Financial Services and BlackRock, recently received SEBI approval to begin operations. While the fund house is new, BlackRock brings global expertise in asset management, and Jio Financial Services offers strong digital distribution capabilities.
Is It a Smart Move for Beginners?
Investing in a New Fund Offer (NFO) can be risky since there is no historical performance data to evaluate. Established mutual fund houses like HDFC AMC, SBI Mutual Fund, and ICICI Prudential have a track record of managing funds across market cycles. However, Jio BlackRock aims to democratize investing with low-cost, tech-driven solutions, which could be attractive for first-time investors

Ans: Please decide from the following data, from my perspective it's not worth.
Inefficient use of assets to generate profits - ROA declining in the last 2 years
Poor cash generated from core business - Declining Cash Flow from Operations for last 2 years
Degrowth in Revenue, Profits and Operating Profit Margin in recent results (QoQ)

Ans: Fall in Quarterly Revenue and Net Profit (YoY) and Declining profitability. Not a good company to Invest

Ans: NISM is the right place to study. you can find more details here https://www.nism.ac.in/long-term-programs/

Ans: your question is ambiguous.
To be able to sell life insurance products, it is mandatory to have a IRDA licence.

Ans: Since Jet Airways has been ordered into liquidation, its shares have been delisted, meaning they are no longer traded on stock exchanges. Unfortunately, in most liquidation cases, equity shareholders are the last in line to receive any funds, and often, there’s nothing left for them after creditors are paid off.
At this point, your options are limited:
- Monitor the liquidation process – If any residual value remains after settling debts, there might be a payout, but this is rare.
- Check with your broker – Some brokers allow off-market transactions, though finding a buyer for delisted shares is difficult.
- Write it off as a loss – If you held these shares in a taxable account, you might be able to claim a capital loss to offset gains elsewhere.

Ans: Since Jet Airways has been ordered into liquidation, its shares have been delisted, meaning they are no longer traded on stock exchanges. Unfortunately, in most liquidation cases, equity shareholders are the last in line to receive any funds, and often, there’s nothing left for them after creditors are paid off.
At this point, your options are limited:
- Monitor the liquidation process – If any residual value remains after settling debts, there might be a payout, but this is rare.
- Check with your broker – Some brokers allow off-market transactions, though finding a buyer for delisted shares is difficult.
- Write it off as a loss – If you held these shares in a taxable account, you might be able to claim a capital loss to offset gains elsewhere.

Ans: this is a scam sir, plz file police complaint. There is no such concept of QIB for individual people

Ans: this is fraud and you have been scammed. Plz complaint to local police station. There is no such concept of QIB allotment to individual, QIB stands for Qualified Institutional Buyers.

Ans: Managing debt can feel overwhelming, but with a structured approach, you can work towards financial stability. Here are some steps to consider:

1. Assess Your Financial Situation
- List all your debts, including interest rates and repayment terms.
- Identify essential expenses and areas where you can cut costs.

2. Prioritize Debt Repayment
- Focus on high-interest debts first (like credit cards and personal loans).
- Consider the snowball method (paying off smaller debts first) or the avalanche method (paying off high-interest debts first).

3. Negotiate with Lenders
- Contact banks and financial institutions to discuss restructuring options.
- Request lower interest rates or extended repayment periods.

4. Debt Consolidation
- Explore options to consolidate multiple loans into a single lower-interest loan.
- This can simplify payments and reduce overall interest costs.

5. Increase Income Streams
- Consider freelancing, consulting, or passive income sources.
- Upskill to improve job prospects and salary growth.

6. Avoid Further Debt
- Pause options trading until financial stability is achieved.
- Limit unnecessary expenses and avoid new loans.
7. Seek Professional Help
- Financial advisors or debt management firms can provide tailored strategies.
- Organizations like SingleDebt offer expert debt management services in India

Ans: if its 10yrs plus and you have done your research you can.

Ans: kfintech

Ans: yes, looks good

Ans: Reliance
HDFC Bank
LT
SBIN
INFY

Ans: any balanced fund with 35% allocation to equity will work

Ans: no

Ans: this is scam, there is no such company named BFSL MAX registered with SEBI, please file a police complaint.

Ans: Both funds have a very high risk level, but SBI Bluechip Fund tends to be more stable due to its large-cap focus, while SBI Contra Fund may offer higher returns in the long run but with greater fluctuations.
Before investing please have a vision of atleast 10yrs in mutual funds

Ans: this is a scam, plz verify the broker from SEBI site else file a police compliant