Milind Vadjikar
Insurance, Stocks, MF, PF Expert
1235 Answers | 67 FollowersFollow
Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Answered on May 17, 2025
Asked by Anonymous - May 16, 2025
I am 36 years old and my current in hand salary is around 1.7 lacs per month alongwith some 10% variable pay, I have currently two ongoing home loans, one with SBI for some 24.5 lacs remaining with 25k per month EMI for 25 years, for the home I am currently residing, and another home loan is with HDFC for 14 lacs with 12.5k per month EMI for 20 years, for a 2 BHK flat in an under construction affordable housing project, which I will let out once completed by 2026. Besides this I have around 15 lacs in FD, 1.33 lacs invested in Gold ETF, 5.5 lacs in mutual funds (monthly SIP 23k), 1.5 lacs in PPF, monthly 12k invested in NPS, and every month I target to pay around 15k to pre pay my HDFC home loan, next I would target the SBI home loan similarly. Just wanted to know if my current approach seems ok or do I need to make some changes to my current portfolio like divert funds to close home loan and then target investments?
Ans: Hello;
You have a prudent approach towards managing your finances.
Therefore no change required. Continue with the discipline and focus.
Happy Investing;
(more)
You have a prudent approach towards managing your finances.
Therefore no change required. Continue with the discipline and focus.
Happy Investing;
Answered on May 16, 2025
Asked by Anonymous - May 16, 2025
I'm 35, looking for term insurance for 50L to 1cr. Please suggest which one will better with little affordable premium.. my LIC agent is telling me all good about LIC.. but I'm unable to understand when I do google then in none where LIC comes? Also there so many add on in which add ons insurance one should take while taking term insurance please advise. Thank you
Ans: Hello;
This being a neutral forum it would be inappropriate to name xyz Insurance as better.
But you should look at the following aspects while selecting insurer for life insurance:
1. Claim settlement record for 3-5 years.
2. Capital adequacy and Solvency
3. Listed companies may have edge because disclosures are higher.
4. Strong parentage & group reputation.
5. Minimum exclusions
6. Lower costs
Despite availability of many riders it is better to take following 2 riders:
1. Accident benefit
2. Critical illness
You may do some online comparision on web aggregator platforms and arrive at a suitable decision appropriately.
Fix a timeline for yourself to take that insurance buy decision which will ensure that procrastination doesn't harm you in the research process.
Best wishes;
(more)
This being a neutral forum it would be inappropriate to name xyz Insurance as better.
But you should look at the following aspects while selecting insurer for life insurance:
1. Claim settlement record for 3-5 years.
2. Capital adequacy and Solvency
3. Listed companies may have edge because disclosures are higher.
4. Strong parentage & group reputation.
5. Minimum exclusions
6. Lower costs
Despite availability of many riders it is better to take following 2 riders:
1. Accident benefit
2. Critical illness
You may do some online comparision on web aggregator platforms and arrive at a suitable decision appropriately.
Fix a timeline for yourself to take that insurance buy decision which will ensure that procrastination doesn't harm you in the research process.
Best wishes;
Answered on May 16, 2025
Asked by Anonymous - May 15, 2025
Sir , i am 29 year old male currently earning 1.4 lakh per month in hand salary and 60 thousands per month (side income which is temporary for few more years may be 2 years).
I have 31.5 lakhs home loan with 9.5 % floating interest for 18 years. Personal loan of 1.4 lakh with 11% interest 7 months remaining. Gold loan of 2 lakh with due date in 10 months.
Every month i am paying emis of
31000 home loan
21000 personal loan (7 more months)
23000 chit fund(6 more months)
I have 4.5 lakh mutual/stocks investments. Gold worth 1 lakh and no Fixed deposits.
I have Chit fund ( with friends ) which expires in 6 months with 5 lakhs amount.
I have an Term policy of 1 crore for which i pay premium of 35k annually for 5 more years.
I had planned a wedding in one year with 10 lakh expenditure.
I have zero emergency fund like fd or any other savings
Please guide me best option for better investment ,emergency fund and to have a comfortable corpus till i retire by the year 2040.
Till now i have no savings in whatever form it is Iam unmarried
Ans: Hello;
You need to put aside amount worth 6-8 months regular expense coverage and keep it aside in a liquid fund or a savings account.
Do invest in NPS for your retirement planning. It is the best tool available from cost, returns, tax point of view.
Only thing to be borne in mind is NPS allows very restricted withdrawals over its entire span, subject to T&C, because it's a product meant for retirement.
Except home loan all your loans are getting settled in less than a year so it's okay but never ever use loan as source of funds for personal needs.
Also avoid investing in chit funds because they have a high risk and hence promise of higher returns.
Also start systematic investments in mutual funds through monthly sip's as per your goals and risk appetite.
The MF/stock holding and chit fund money return(5 L) will take care of your marital expenses.
Happy Investing;
(more)
You need to put aside amount worth 6-8 months regular expense coverage and keep it aside in a liquid fund or a savings account.
Do invest in NPS for your retirement planning. It is the best tool available from cost, returns, tax point of view.
Only thing to be borne in mind is NPS allows very restricted withdrawals over its entire span, subject to T&C, because it's a product meant for retirement.
Except home loan all your loans are getting settled in less than a year so it's okay but never ever use loan as source of funds for personal needs.
Also avoid investing in chit funds because they have a high risk and hence promise of higher returns.
Also start systematic investments in mutual funds through monthly sip's as per your goals and risk appetite.
The MF/stock holding and chit fund money return(5 L) will take care of your marital expenses.
Happy Investing;
Answered on May 15, 2025
Asked by Anonymous - May 15, 2025
I am 43 and have approx 5cr invested in real estate into two different properties other than the house I live in (the premium that I have got over years may not be a white money when I will plan to liquidate) , another 17L in stocks (which are heavily beaten down for now and 17L is a beaten down value), along with some 20L in company PF accounts , and some 6L of emergency funds.
I have a child of 5 yrs of age to support and wife also works.
Apart from it, I got no medical or term insurance, I am looking forward for a retirement in another two years max.
I dont have any ongoing loan and live a simple life.
Can I plan it successfully ?
(I draw a salary of not more than 1L per month after tax. )
Ans: Hello;
How much rental per month do you expect from the real-estate properties?
Please confirm.
Thanks;
(more)
How much rental per month do you expect from the real-estate properties?
Please confirm.
Thanks;
Answered on May 15, 2025
hello sir,I worked in Dabur , sahibabad, UP from March 1995 to February 2005 till the age of 34 years. There was monthly deduction of PF from my salary throughout this period and I used to get yearly PF statement. I didn't withdraw my PF till now. After 20 years, this month when I went personally to Meerut EPFO to claim my PF and pension, they said my EPF claim was settled in November 2005 through form 9 without giving any further details and closed the communication. I am absolutely not aware of how and when it was settled. Please let me know whom to approach and why they are saying it was settled in Nov.2005 through form no. 9? What about my pension which also I haven't got till now. I am 54 years of age at present. Please guide. Thanks
Ans: Hello;
Firstly check with your family if some of your family members have withdrawn it on your behalf.
Double check with EPFO if they are referring to the correct EPF account.
If not then please file a grievance with EPFIGMS grievance redressal portal of EPFO.
If you still do not get proper response you need to send legal notice through your lawyer/EPF consultant for claim of EPF and pension and also file Police complaint for fraud.
Best wishes;
(more)
Firstly check with your family if some of your family members have withdrawn it on your behalf.
Double check with EPFO if they are referring to the correct EPF account.
If not then please file a grievance with EPFIGMS grievance redressal portal of EPFO.
If you still do not get proper response you need to send legal notice through your lawyer/EPF consultant for claim of EPF and pension and also file Police complaint for fraud.
Best wishes;
Answered on May 15, 2025
I need your support regarding the higher pension scheme of EPFO. I applied for this scheme, but my application was rejected.
From what I understand, my request was rejected because my previous employer, Mphasis Ltd., is considered an exempted establishment. However, to the best of my knowledge, when I was employed with Mphasis from 2009 to 2012, it was not an exempted establishment for PF.
Could you please assist me in replying to the PF department? Is there any way to get my application approved?
Thank you so much in advance.
Ans: Hello;
You will have to fetch documentary evidence of the fact that your employer was not an exempted establishment while you were working there.
This should help else you need to seek professional support.
Best wishes;
(more)
You will have to fetch documentary evidence of the fact that your employer was not an exempted establishment while you were working there.
This should help else you need to seek professional support.
Best wishes;
Answered on May 15, 2025
I am 54. Was in employment with pvt company for 22 years before losing job last year. Can I try to get the EPS? (I was employed for 6 years in other companies before that as well, but not sure how to check EPS contribution for those).
Ans: Hello;
If you were in continuous service for more then 10 years, and now above 50 so definitely you may be eligible to receive reduced pension under NPS.(Because you are accessing pension before eps retirement age of 58)
If you have EPS scheme certificates from those employers then you may get additional pension since number of working years increases.
Best wishes;
(more)
If you were in continuous service for more then 10 years, and now above 50 so definitely you may be eligible to receive reduced pension under NPS.(Because you are accessing pension before eps retirement age of 58)
If you have EPS scheme certificates from those employers then you may get additional pension since number of working years increases.
Best wishes;
Answered on May 15, 2025
Asked by Anonymous - May 14, 2025
61 lakhs home loan. I am 40 earning 1.1lacs and wife 35 earning 48k. Gold 8lakhs and fd 4lakhs. Please advise how to close home loan 21lacs and 40lakhs top loan ASAP.
Ans: Hello;
Their are no shortcuts for loan repayment.
You will have keep 6-8 month worth of expense coverage amount separately as emergency fund.
Then you may liquidate FD and gold to partially repay the loan.
Obviously EMI burden will get reduced.
Thus you can direct this saving towards your investments meant for retirement and other financial goals.
Hope you both have sufficient term life insurance. Home loan insurance is preferable,if possible.
Explore the option of porting the loan to other lender who may offer better interest rate.
Best wishes;
(more)
Their are no shortcuts for loan repayment.
You will have keep 6-8 month worth of expense coverage amount separately as emergency fund.
Then you may liquidate FD and gold to partially repay the loan.
Obviously EMI burden will get reduced.
Thus you can direct this saving towards your investments meant for retirement and other financial goals.
Hope you both have sufficient term life insurance. Home loan insurance is preferable,if possible.
Explore the option of porting the loan to other lender who may offer better interest rate.
Best wishes;
Answered on May 15, 2025
Answered on May 15, 2025
Asked by Anonymous - May 14, 2025
I have a monthly income of 2.4lakhs and house emi of 1 lakh with possession in 2 years, I have 16lakhs saving for registration and interiors and my monthly expenses including rent comes around to 70k, i have 10lakhs in mf and shares and 5l in savings account, i have physical gold of approximately 15l,please let me know what changes are needed
Ans: Hello;
Request you to kindly be specific about your query and also please specify your age, life insurance, healthcare insurance status.
Best wishes;
(more)
Request you to kindly be specific about your query and also please specify your age, life insurance, healthcare insurance status.
Best wishes;
Answered on May 15, 2025
Helo sir,
I am 60 years old and have been working in a private institution in hyderabad for 9.7 years. Im.also contributing to my epf account since then. I retired on superannuation @ 58 in August 2023 when i had completed just 7.5 years of service. As im 60 now and completed 9.7 years of service this month, am i eligible for monthly pension? I submitted firm10D online few days ago, but it has been rejected by EPFO stating that im not eligble for monthly pension and i was asked to submit form 10C.
Kindly advise.
Ans: Hello;
Eligibility for EPS pension is atleast 10 years of continuous service with continuous contribution towards EPF &EPS during this period.
There is not even one day leniency allowed for this rule so sorry to say but you are not eligible for EPS pension.
Best wishes;
(more)
Eligibility for EPS pension is atleast 10 years of continuous service with continuous contribution towards EPF &EPS during this period.
There is not even one day leniency allowed for this rule so sorry to say but you are not eligible for EPS pension.
Best wishes;
Answered on May 14, 2025
Asked by Anonymous - May 14, 2025
Hi Sir,
Me and my husband together earning 3.5lak per month. Currently we have a car loan for 33laljs for 2.75 years. 1,17,000 emi per month.
Gold savings 20lakh. Own a land worth 10lakh. no personal loan. No other investment.
After 2.75 years or car loan, can I buy a house worth 1.6 crore. With monthly emi around 1.5lakh
Ans: Hello;
Surely you can do so, but please ensure adequate term life insurance and health insurance coverage for both.
Keep investments for retirement separate from this so that it continues to accumulate irrespective of home loan or otherwise.
Maybe you should sell land and part of gold jewellery for down payment towards home purchase.
It is desirable to get a home loan insurance.
Best wishes;
(more)
Surely you can do so, but please ensure adequate term life insurance and health insurance coverage for both.
Keep investments for retirement separate from this so that it continues to accumulate irrespective of home loan or otherwise.
Maybe you should sell land and part of gold jewellery for down payment towards home purchase.
It is desirable to get a home loan insurance.
Best wishes;
Answered on May 14, 2025
Asked by Anonymous - May 14, 2025
Hi Sir, I have recently saved Rs 2 lakh and I would like to invest it for decent returns over the next 3 to 4 years. I am okay with moderate risk. What are my best options? Should I go for mutual funds, debt funds, or something else?
Ans: Hello;
You may invest in multi asset allocation type mutual fund for a horizon of 3-4 years.
You may select any fund from the top quartile in this category.
Best wishes;
(more)
You may invest in multi asset allocation type mutual fund for a horizon of 3-4 years.
You may select any fund from the top quartile in this category.
Best wishes;
Answered on May 14, 2025
Hi Sir,
I'm 42years old. I've a outstanding HL of 32 lakhs with EMI OF 35OOO,12 more years of prepayment left and a car loan of 2 lakhs with 5k emi and 4 years left.I've 10lakhs in MF,14 lakhs in PPF,7 lakhs in FD's and 4 lakhs in stocks.My take home is 1.70 lakhs pm. Should i repay a part of my HL using my savings.Please suggest.
Ans: Hello;
You should repay your car loan fully and part of the home loan by utilising FD amount and direct stocks.
The MF and PPF holding should preferably be kept untouched.
The reduction in EMI should be transferred to more investments for retirement and other financial goals.
Best wishes;
(more)
You should repay your car loan fully and part of the home loan by utilising FD amount and direct stocks.
The MF and PPF holding should preferably be kept untouched.
The reduction in EMI should be transferred to more investments for retirement and other financial goals.
Best wishes;
Answered on May 14, 2025
I have lic jeevan saral policy plan 165 from June 2010 for 15 years with life coverage of Rs50000/- . Age at the time of policy 52 and Yearly premium Rs 24020/
Please inform maturity value at June 2025
Ans: Hello;
Expected to be around 6 L.
Request you to kindly confirm the same with your LIC advisor.
Best wishes
(more)
Expected to be around 6 L.
Request you to kindly confirm the same with your LIC advisor.
Best wishes
Answered on May 13, 2025
Asked by Anonymous - May 13, 2025
I am 43 with a teenage son who will likely go to college in the next 5 to 7 years. I have an outstanding home loan of 80 lakh and 9 lakh personal loan. My monthly income is 2.5L, and I'm currently servicing EMIs of 1.57 lakh. I have accumulated 18L in mutual funds, 5 lakh in FDs, and 2 lakh in gold. Should I use a portion of my investments now to prepay the personal loan? Or should I continue with EMIs so that I preserve these investments for my child's education?
Ans: Hello;
You may use part of your investment to clear the personal loan.
This will reduce your EMI burden and you should divert these savings towards additional investments.
Best wishes;
(more)
You may use part of your investment to clear the personal loan.
This will reduce your EMI burden and you should divert these savings towards additional investments.
Best wishes;
Answered on May 13, 2025
Asked by Anonymous - May 13, 2025
Hello, I am looking for a lumpsum investment option for an amount of about 60lacs. I am looking for long term investment option of about 15 years. I am aged 45 now and willing to use these returns towards my retirement. Thanks
Ans: Hello;
What is your risk profile?
Based on your response we can advise you suitably.
Thanks;
(more)
What is your risk profile?
Based on your response we can advise you suitably.
Thanks;
Answered on May 13, 2025
Asked by Anonymous - May 13, 2025
My wife and I earn Rs 60,000 to 1,25,000 per month. I have a 28 lakh loan taken 2.5 years ago at 9.5%. I plan to prepay it fully in the next 3 years. I have surplus funds I could either use for prepayment or invest in mutual funds or equity markets. Given current equity returns ( approx. 12 to 14 per cent CAGR), would investing be better than loan prepayment (saving approx. 9.5% interest)? Also, is refinancing to another bank at less than 8.5% or a balance transfer advisable now?
Ans: Hello;
This is myth being sold to people by vested interests.
Returns from market linked investments cannot be assured.
Although one can make an approximate guess about market returns based on past performance but please keep in mind that past performance is no guarantee of future results.
Therefore repayment of the outstanding loan should be the preferred choice.
Already you are on the verge of closing your loan therefore transferring balance loan to other lender at this stage doesn't make sense. Because it will have costs
(foreclosure fees, Processing charges etc)involved which may nullify your interest rate savings.
Best wishes;
(more)
This is myth being sold to people by vested interests.
Returns from market linked investments cannot be assured.
Although one can make an approximate guess about market returns based on past performance but please keep in mind that past performance is no guarantee of future results.
Therefore repayment of the outstanding loan should be the preferred choice.
Already you are on the verge of closing your loan therefore transferring balance loan to other lender at this stage doesn't make sense. Because it will have costs
(foreclosure fees, Processing charges etc)involved which may nullify your interest rate savings.
Best wishes;
Answered on May 12, 2025
Hi I am a govt employee with a gross salary 1.25 lakhs per month, I have a 2 home loans 26000EMI with 137 month tenure @8.65 interest rate and 27800EMI with 214 months tenure @8.2 interest rate. And two top-up loans 13LK with 154months tenure @9.7intrest rate and 17LK with 144months @8.5intrest rate and a personal loan of 6LK with 32months tenure @10.25 interest. Have Term insurance policy for 1Cr and Health insurance for 10LK. 12000 per month rental income. Sufficient investment in open plots.Please advise further
Ans: Hello;
Request you to please elaborate exactly on which aspect of personal finance do you need advice.
Thanks;
(more)
Request you to please elaborate exactly on which aspect of personal finance do you need advice.
Thanks;
Answered on May 12, 2025
Kya main 1995 main mere pitaji dwara kharide gaye physical share certificate ka dawa kar sakti hu
Ans: Hello;
Yes you can, but make sure that the company whose shares were held by your father is still in existence.
If the company is still in operation then check quantity of shares held in the name of your father.
If the value is above 10 K+ then it will make sense to pursue this because you will also have to spend some money from your pocket to get these shares transferred in your name.
You may approach your broker who would assist you on the same.
Best wishes;
(more)
Yes you can, but make sure that the company whose shares were held by your father is still in existence.
If the company is still in operation then check quantity of shares held in the name of your father.
If the value is above 10 K+ then it will make sense to pursue this because you will also have to spend some money from your pocket to get these shares transferred in your name.
You may approach your broker who would assist you on the same.
Best wishes;
Answered on May 12, 2025
Asked by Anonymous - May 12, 2025
Dear Sir, I am 38 years old with a home loan of 81 lakhs outstanding. My EMI is Rs 1.05 lakhs, and I have 12 years left in the tenure. Additionally, I have a personal loan of 9.5 lakhs with an EMI of Rs 52,000 and 15 months remaining. My monthly income is 2.8 lakhs. I have mutual fund investments worth 18 lakhs, gold worth 4 lakhs, and a fixed deposit of 5 lakh. Should I use some of my savings to prepay these loans or continue paying EMIs and let my investments grow?
Ans: Hello;
You may close the outstanding personal loan entirely and the home loan by ~ 10 L with the help of your FD and MF savings.
The reduction in EMI should be diverted towards additional MF investments for your retirement and other financial goals.
Best wishes;
(more)
You may close the outstanding personal loan entirely and the home loan by ~ 10 L with the help of your FD and MF savings.
The reduction in EMI should be diverted towards additional MF investments for your retirement and other financial goals.
Best wishes;
Answered on May 12, 2025
Asked by Anonymous - May 12, 2025
Dear Sir, I have taken an LIC policy jeevan shree on 31st Jan' 2002 with sum assured of 5 lacs and yearly premium of 24520. What maturity proceed can I expect in 2027. It had a premium paying term of 16 years and maturity of 25 years.
Ans: Hello;
You may expect to receive a sum of 10-12 L at maturity from this endowment policy.
Best wishes;
You may expect to receive a sum of 10-12 L at maturity from this endowment policy.
Best wishes;
Asked on - May 15, 2025 | Answered on May 15, 2025
Sir, Sum assured is 5 lacs and GA is 75 per thousand of SA, it is showing bonus, GA as 9 lacs as of today, Can you recheck your calculation?
Ans: Hello;
Please confirm with your insurance advisor for the exact payout expected.
Thanks;
Please confirm with your insurance advisor for the exact payout expected.
Thanks;
Answered on May 11, 2025
Asked by Anonymous - May 10, 2025
Hi Sir,
If I have some lump sum amount 1lakh. Where should I invest to get good growth in 3-4 years. Could you please advise?
Thanks in advance
Ans: Hello;
Considering the trade war kind of scenario coupled with geopolitical tensions it is advisable to invest in a Multi asset allocation type mutual fund for a horizon of 3-4 years.
You may select any fund from the top quartile in this category.
Best wishes;
Considering the trade war kind of scenario coupled with geopolitical tensions it is advisable to invest in a Multi asset allocation type mutual fund for a horizon of 3-4 years.
You may select any fund from the top quartile in this category.
Best wishes;
Asked on - May 11, 2025 | Answered on May 12, 2025
Thank you for your reply sir. I will plan it accordingly.
Ans: Welcome!
Answered on May 08, 2025
HOW TO CHOOSE HEALTH INSURANCE
Ans: Hello;
You may shortlist health insurers based on following factors:
1. Incurred claims settlement ratio for 3 years atleast, preferable if available for 5 years.
2. List of network hospitals across the country and around the places that you generally operate. The more the better.
3. List of black listed hospitals so as to avoid them.
4. Low waiting period for pre-existing illnesses.
5. Claim settlement through TPA or directly the insurer(better). Also cashless claim settlement feature is desirable.
6. Reputation in the market.(Capital adequacy)
7. List of permanent exclusions
8. No sub limit on daily room rent.
9. Alternative therapies covered(Ayurveda, homeopathy etc).
10. Psychiatric treatments coverage.
Key is to disclose all existing conditions and conduct medical tests as requested by the insurer.
This way the chances of claim rejection are reduced.
You may also consult an insurance advisor if required, for further clarity.
Best wishes
(more)
You may shortlist health insurers based on following factors:
1. Incurred claims settlement ratio for 3 years atleast, preferable if available for 5 years.
2. List of network hospitals across the country and around the places that you generally operate. The more the better.
3. List of black listed hospitals so as to avoid them.
4. Low waiting period for pre-existing illnesses.
5. Claim settlement through TPA or directly the insurer(better). Also cashless claim settlement feature is desirable.
6. Reputation in the market.(Capital adequacy)
7. List of permanent exclusions
8. No sub limit on daily room rent.
9. Alternative therapies covered(Ayurveda, homeopathy etc).
10. Psychiatric treatments coverage.
Key is to disclose all existing conditions and conduct medical tests as requested by the insurer.
This way the chances of claim rejection are reduced.
You may also consult an insurance advisor if required, for further clarity.
Best wishes
Answered on May 08, 2025
Asked by Anonymous - May 08, 2025
Dear Guru's, I didn't renew my co-operate health insurance for my mom this year, thinking I'll get a private health insurance and my research kept on dragging till now to find one private health insurance..I did find...but suddenly now we have a situation for varicose vein treatment for my mom..now I'm without insurance in the hand....is there anything I can do...my co-operate insurance covers with no waiting period (can only purchase next year apr-2026)..but if I take a private health insurance now after 3 yr the treatment will be covered. I'm stuck now.. wether i should pay out of my own pocket or wait until next year...?
Ans: Hello;
It is entirely your mistake therefore no point in your Mother bearing brunt for the same by suffering with the disease till health cover is back.
Pay it from your pocket. If she is above 70 then Ayushman Bharat Yojana is applicable. If she is above 60 some state govt schemes are there but you need to check with state of her domicile.
Many charitable hospitals may offer treatment/surgery discount to senior citizens above 60 age.
And please do take adequate health care cover for you parents at the earliest.
Best wishes;
(more)
It is entirely your mistake therefore no point in your Mother bearing brunt for the same by suffering with the disease till health cover is back.
Pay it from your pocket. If she is above 70 then Ayushman Bharat Yojana is applicable. If she is above 60 some state govt schemes are there but you need to check with state of her domicile.
Many charitable hospitals may offer treatment/surgery discount to senior citizens above 60 age.
And please do take adequate health care cover for you parents at the earliest.
Best wishes;
Answered on May 07, 2025
Namste sir mera naam badshah hai
Me aditya birla sun life psu me nivesh karna chahta hu har mahine 1000 rupye ke hisab se 15 saal ke liye kya ye sahi rahega?
Ans: Hello;
I would recommend you to avoid thematic fund and instead invest in a flexicap type mutual fund for 15 year horizon.
But make sure to step up your monthly sip for example say by 10% each year to enhance the possibility of building a decent corpus.
Best wishes;
(more)
I would recommend you to avoid thematic fund and instead invest in a flexicap type mutual fund for 15 year horizon.
But make sure to step up your monthly sip for example say by 10% each year to enhance the possibility of building a decent corpus.
Best wishes;
Answered on May 06, 2025
Sir, I am 38 years old and presently investing in MF through monthly SIPs of Rs. 30,000. Presently my Corpus is Rs. 35 lacs. Apart from that I have Corpus of Rs. 30 lacs in NPS and monthly contribution including me employer contribution to NPS is 27000 per month. Now I have availed a Housing loan and as such I will be reducing my SIP from existing 30000 per month to 10000 per month. Kindly let me know with existing portfolio as I will not withdraw the Mf Corpus and NPS for the next 20 years, can I accumulate 3 crores in next 20 years. My monthly NPS contribution will continue till I attain 60 years. Also assuming the present Corpus and future SIP of 10000 per month, what will be my Corpus when I attain 60 years.
Ans: Hello;
With present MF corpus of 35 L and new monthly sip of 10 K for 20 years will lead you to a corpus of 3.11 Cr assuming modest return of 10%.
Further the present NPS corpus of 30 L and monthly investment of 27 K for 22 years will lead you to a corpus of 3.58 Cr at the age of 60 assuming modest return of 8%.
Key is discipline and performance review of funds as well as asset allocation.
Best wishes;
(more)
With present MF corpus of 35 L and new monthly sip of 10 K for 20 years will lead you to a corpus of 3.11 Cr assuming modest return of 10%.
Further the present NPS corpus of 30 L and monthly investment of 27 K for 22 years will lead you to a corpus of 3.58 Cr at the age of 60 assuming modest return of 8%.
Key is discipline and performance review of funds as well as asset allocation.
Best wishes;
Answered on May 04, 2025
Asked by Anonymous - May 03, 2025
Dear Sir,
I am 40 years old. I have a home loan with an outstanding amount of 98 lakhs, an EMI of 1.32 lakhs, and a remaining tenure of 102 months. I also have a personal loan with an outstanding amount of 11.3 lakhs, an EMI of 65,000, and a remaining tenure of 19 months. My current salary is 6.5 lakhs per month.
I have investments in stocks and mutual funds worth 66 lakhs, gold worth 9 lakhs, fixed deposits worth 10 lakhs, and a PPF account worth 8 lakhs.
Please advise whether I should make a prepayment towards my loans or continue with my EMIs and allow my investments to grow.
Ans: Hello;
You must definitely prepay your outstanding loans as much as possible.
With the current corpus you can repay personal loan entirely and more then 50% of the outstanding home loan.
You may reduce the EMI on home loan by keeping the tenure same.
This will ensure more investible surplus available for investments into MFs, NPS, PPF, Gold and Bank FDs for your financial goals.
Best wishes;
(more)
You must definitely prepay your outstanding loans as much as possible.
With the current corpus you can repay personal loan entirely and more then 50% of the outstanding home loan.
You may reduce the EMI on home loan by keeping the tenure same.
This will ensure more investible surplus available for investments into MFs, NPS, PPF, Gold and Bank FDs for your financial goals.
Best wishes;
Answered on May 03, 2025
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SATISH Asked on - Apr 29, 2025
I have 10 L lump sum. I want to park it and then do STP. I have two debt funds Nippon liquid and Axis Short term fund, which one will be better to park for stp? How much time should be given to move this to equity by STP. I have Nippon and ICICI large cap, hdfc mid cap,Nippon multi cap and hdfc hybrid equity. Which would be better and how much stp every month? Or do I need to open one more fund for STP? Please guide me for horizon of 6 years
Ans: Hello;
Your query is very specific. I recommend you to consult an MFD or an investment advisor to get a bespoke solution to your query.
Best wishes;
(more)
Your query is very specific. I recommend you to consult an MFD or an investment advisor to get a bespoke solution to your query.
Best wishes;
Answered on May 02, 2025
Asked by Anonymous - May 02, 2025
Im 32yo married working women. These are my monthly investments in different instruments, kindly suggest if I'm going in the right direction:
Monthly sip amount Rs 15000
Monthly rd amount Rs 12300
& Im planning to contribute in the range of 120000 to 150000 annually on ppf
My monthly NPS contribution from both employer n me combined is Rs 9500
My goal is retirement planning & to meet long term financial needs of family. Please evaluate.
Ans: Hello;
Firstly you need to confirm the corpus you are targeting to fund your retired life and the time available to accumulate the same.
Also you need to specify long term financial needs of family in terms of amount and time required to achieve it.
Please confirm.
Thanks;
(more)
Firstly you need to confirm the corpus you are targeting to fund your retired life and the time available to accumulate the same.
Also you need to specify long term financial needs of family in terms of amount and time required to achieve it.
Please confirm.
Thanks;
Answered on May 02, 2025
Answered on May 02, 2025
Asked by Anonymous - Apr 30, 2025
Dear Sir, What is wise decision to invest whether in Flat purchasing Mumbai or Pune for about 85 lacs-2 BHK ( 70% should be loan ). Or go for Plot Purchase of around 2000 sq,ft in Nagpur of around 40 lacs with minimal loan amount. Which investment will provide good returns after 10 yrs. However, I have already two flat in two different city . If you ask about the invest in Market or SIP that slowly i am doing and already planned very well . Specifically I want suggestion on the two alternatives for investment .
Ans: Hello;
I would recommend purchasing flat in Pune/Mumbai over land in Nagpur.
Because flat would provide you monthly rental towards EMI repayment plus property value appreciation.
Whereas in land property only asset value appreciation is possible without any monthly income.
Ultimately location, time to hold, and ease of liquidity also play major role in real estate investment.
Best wishes;
(more)
I would recommend purchasing flat in Pune/Mumbai over land in Nagpur.
Because flat would provide you monthly rental towards EMI repayment plus property value appreciation.
Whereas in land property only asset value appreciation is possible without any monthly income.
Ultimately location, time to hold, and ease of liquidity also play major role in real estate investment.
Best wishes;
Answered on May 02, 2025
Asked by Anonymous - May 01, 2025
I want to buy a commercial space in Pune somewhere in the year 2028.
How should I plan my finances? I am freelancer with no fixed mo thly income
Ans: Hello;
If you do not have a fixed monthly income then chances of getting a loan are remote.
Also it is not assured to generate a corpus within 3 years through MF investments.
You may consider gold loan or loan against residential property for financing your commercial property purchase.
Best wishes;
(more)
If you do not have a fixed monthly income then chances of getting a loan are remote.
Also it is not assured to generate a corpus within 3 years through MF investments.
You may consider gold loan or loan against residential property for financing your commercial property purchase.
Best wishes;
Answered on Apr 29, 2025
I am 41 years old male working in a private firm and investing from 2017 in MFs and accumulated around 20 lakhs. My target is to achieve 3 crores in 15 years ( from 2025 ) . My portfolio is given below , Apart from MF investing NPS & PPF and some times in Direct equity.
Question :
1) Is my fund selection ok , With this current Portfolio along with 10 % Stepup can i achieve my goal.
2) Is SBI blue chip & HSBC small cap funds ok or do I switch to other funds ?
3) Want to invest 5000 more, in which fund should I allocate ?
4) Shall I stop PPF and that money I divert to a mutual fund?
5) Some other funds are also there in my portfolio which I stopped SIP but did not withdraw the amount. What is the best strategy in this case? Mutual Funds
S/no Fund name Amount (RS) /month
1 SBI Blue Chip fund 5000
2 Parag Parikh Flexi Cap fund 10000
3 Kotak Multicap Fund 5000
4 Motilal Oswal Mid Cap fund 10000
5 HDFC Mid Cap opportunities 5000
7 HSBC Small Cap fund 5000
8 Nippon India Small Cap fund 5000
Total 45000
S/no NPS Amount (RS) /month
1 Tier -1 7000
2 Tier -2 3000
PPF Amount (RS) / year
1 ICICI PPF 60000
Ans: Hello;
Please find pointwise reply to your queries:
1. You already have allocation to small and mid caps through Flexi cap and multicap funds. Despite that you may have additional allocation to One dedicated mid and small cap fund but not two!
The monthly sip's into second small cap and midcap fund may instead be moved to an aggressive hybrid type mutual fund and multi asset allocation type mutual fund.
You may achieve your target with the proposed step up(10%) planned even considering 10% modest returns from MF investments.
2. Funds are okay however you need to review risk-adjusted performance every year with reference to the benchmark and category average and then decide suitably.
3. You may invest additional 5 K in gold mutual fund.
4. Keep contributing to PPF. It's a social security scheme and goes towards sovereign debt in your overall asset allocation.
5. Review past MF holding in line with your overall asset allocation, portfolio overlap, risk adjusted performance and decide as appropriate.
You may select and avoid funds from suggested categories based on risk adjusted performance criteria.
This being a neutral forum we are prohibited to recommend xyz fund.
Happy Investing;
(more)
Please find pointwise reply to your queries:
1. You already have allocation to small and mid caps through Flexi cap and multicap funds. Despite that you may have additional allocation to One dedicated mid and small cap fund but not two!
The monthly sip's into second small cap and midcap fund may instead be moved to an aggressive hybrid type mutual fund and multi asset allocation type mutual fund.
You may achieve your target with the proposed step up(10%) planned even considering 10% modest returns from MF investments.
2. Funds are okay however you need to review risk-adjusted performance every year with reference to the benchmark and category average and then decide suitably.
3. You may invest additional 5 K in gold mutual fund.
4. Keep contributing to PPF. It's a social security scheme and goes towards sovereign debt in your overall asset allocation.
5. Review past MF holding in line with your overall asset allocation, portfolio overlap, risk adjusted performance and decide as appropriate.
You may select and avoid funds from suggested categories based on risk adjusted performance criteria.
This being a neutral forum we are prohibited to recommend xyz fund.
Happy Investing;
Answered on Apr 28, 2025
We are a Private Limited Company with an employee strength of 60, and we strictly follow all PF rules. As per the applicable salary criteria, we contribute to the Provident Fund wherever required.
Recently, we discovered that an employee who joined our company two years ago has an existing UAN linked to their Aadhaar. However, at the time of joining, the employee declared in Form 11 that they did not have a PF account. Based on this declaration, we did not contribute to their PF account.
Now, the employee states that they were unaware of their PF account, and the UAN linked to their Aadhaar is currently inactive. Furthermore, they do not wish to activate their PF account.
Given this situation, should we present Form 11 as valid proof for non-contribution, or are there any corrective actions required to comply with PF regulations? Kindly guide us on the appropriate steps to take in this matter.
Ans: Hello;
If the organisation is such that EPFO laws are applicable and if employee 's salary is as per the threshold given by EPFO (15 K basic +DA) then you don't have an option to avoid EPF.
The EPFO commissioner may issue your organisation a show cause notice as to why the form-11 submitted by the employee was not scrutinized thoroughly when it was submitted.
You may furnish joint declaration in the prescribed format to correct the mistake in form 11 and deposit all employer employee contributions till date with penalty as decided by the EPF Commissioner.
Actually such willful suppression of facts by the employee, which bring the employer into legal issues, deserves termination.
Seek advice from a lawyer specializing in labour and EPF laws, if required.
Best wishes;
(more)
If the organisation is such that EPFO laws are applicable and if employee 's salary is as per the threshold given by EPFO (15 K basic +DA) then you don't have an option to avoid EPF.
The EPFO commissioner may issue your organisation a show cause notice as to why the form-11 submitted by the employee was not scrutinized thoroughly when it was submitted.
You may furnish joint declaration in the prescribed format to correct the mistake in form 11 and deposit all employer employee contributions till date with penalty as decided by the EPF Commissioner.
Actually such willful suppression of facts by the employee, which bring the employer into legal issues, deserves termination.
Seek advice from a lawyer specializing in labour and EPF laws, if required.
Best wishes;
Answered on Apr 28, 2025
Hi Sir, I had worked in a Pharma company since 1990 till 2004 with all the PF and Pension fund contributions paid. However I subsequently changed the organisation and a new PF no was allocated alongwith UAN No which I left in the year 2013. I do have a Scheme Certificate from the previous company but no UAN No (as the UAN nos came subsequently) and the older PF account has an erroneous DOB for which Y am persuing the previous employer.
Now I wish to club the two PF accounts together. How to go about. Please guide and enlighten.
Thanks and Regards
Kanwaljit Singh
Ans: Hello;
You first need to correct your DOB in previous pf account by submitting a joint declaration(in the prescribed format) with your previous employer to the assigned EPFO office.
After clearing this you need to activate your UAN online on EPFO portal.
Once your UAN is activated you can merge all your previous pf accounts under the same UAN online through the EPFO member portal.
Best wishes;
(more)
You first need to correct your DOB in previous pf account by submitting a joint declaration(in the prescribed format) with your previous employer to the assigned EPFO office.
After clearing this you need to activate your UAN online on EPFO portal.
Once your UAN is activated you can merge all your previous pf accounts under the same UAN online through the EPFO member portal.
Best wishes;
Answered on Apr 28, 2025
I am 43 years old and an aggressive investor and I started investing 1 lac per month in SIP in 2019. These are my current funds of 20k each per month :
1. CANARA ROBECO EMERGING EQUITIES
2. HDFC MID-CAP OPPORTUNITIES FUND
3. SBI FLEXICAP FUND
4. ICICI PRUDENTIAL BLUECHIP FUND
5. NIPPON INDIA SMALL CAP FUND
In 2024, i started to invest another 1.8 lacs per month split in the following funds :
6. Quant Small Cap Fund
7. Motilal Oswal Midcap Fund
8. Canara Robeco Infrastructure
9. Quant Large and Mid Cap Fund
10. Bandhan Small cap Fund
11. Quant Commodities Fund
12. LIC MF Manufacturing Fund
13. Quant Dynamic Asset Allocation Fund
14. INVESCO INDIA LARGE AND MID CAP FUND
15. SBI Automotive Opportunities Fund
16. Motilal Oswal Large and Midcap Fund
Could you share your views on my overall portfolio please, and if I should change any of them ?
Ans: Hello;
Please clarify your time horizon for these investments.
Thanks;
(more)
Please clarify your time horizon for these investments.
Thanks;
Answered on Apr 28, 2025
I retired at an age of 58 from a private company and my PF contribution stopped. After 3 months I applied for Pension and I am getting it regularly. I shall be of 59 shortly in May 2025. I want to know till what time I keep getting interest . I am seeing confusing statements that account becomes inoperative at 58 as EPF takes age of retirement as 55. - Deepak Patwardhan
Ans: Hello;
If you have contributed to EPF till the age of 58, your epf account will earn interest till 61 age, without contribution.
Best wishes;
If you have contributed to EPF till the age of 58, your epf account will earn interest till 61 age, without contribution.
Best wishes;
Asked on - Apr 28, 2025 | Answered on Apr 28, 2025
CAn you comment on Taxation for interest earned? I want to know if my interest earned would be tax free till 61 or not?
Ans: Hello;
Interest earned on EPF corpus during phases of non contribution is fully taxable.
Best wishes;
Interest earned on EPF corpus during phases of non contribution is fully taxable.
Best wishes;
Answered on Apr 27, 2025
Please advise, shares of ril be purchased for dividend and adding more shares for long term
Ans: Hello;
Reliance doesn't have a great dividend payout record.
Each of Reliance's business has innovative disruption knocking at their door.
Jio has threat from starlink, oneweb and other such innovations.
Retail has strong threat from E-Com and now Q-Com.
Worldwide EVs are fast replacing vehicles run on petrol/diesel.
We are not sure how Reliance will adapt to this intensely competitive landscape.
Therefore our view is to stay away from direct stocks be it Reliance or any other and invest in mutual funds for long term.
Best wishes;
Reliance doesn't have a great dividend payout record.
Each of Reliance's business has innovative disruption knocking at their door.
Jio has threat from starlink, oneweb and other such innovations.
Retail has strong threat from E-Com and now Q-Com.
Worldwide EVs are fast replacing vehicles run on petrol/diesel.
We are not sure how Reliance will adapt to this intensely competitive landscape.
Therefore our view is to stay away from direct stocks be it Reliance or any other and invest in mutual funds for long term.
Best wishes;
Asked on - Apr 28, 2025 | Answered on Apr 28, 2025
Thanks
Ans: Welcome!
Answered on Apr 23, 2025
Answered on Apr 22, 2025
Should I invest in SBI Future Build Lock-in Period Life Insurance with yearly premium of 40000?
Ans: Hello;
I would honestly recommend you to avoid ULIPs under all circumstances because they are inefficient both for insurance as well as investment returns.
It is better to buy adequate term life cover and invest in NPS and mutual funds for retirement and other financial goals.
Best wishes;
(more)
I would honestly recommend you to avoid ULIPs under all circumstances because they are inefficient both for insurance as well as investment returns.
It is better to buy adequate term life cover and invest in NPS and mutual funds for retirement and other financial goals.
Best wishes;
Answered on Apr 22, 2025
Asked by Anonymous - Apr 22, 2025Hindi
Should I Even Bother Trying to Rebuild My Retirement at 38 After Withdrawing from My EPF?
Ans: Hello;
No need to panic. That was your need at that point of time so it's okay.
First and foremost open an NPS account for retirement planning. It allows very limited withdrawals.
Invest in it as much as possible. You can also set-up monthly regular investment into NPS through D-remit feature.
Even if you invest 25 K per month in NPS you may expect a corpus of 1.8 Cr at the age of 60 assuming modest return of 8%.
Best wishes;
(more)
No need to panic. That was your need at that point of time so it's okay.
First and foremost open an NPS account for retirement planning. It allows very limited withdrawals.
Invest in it as much as possible. You can also set-up monthly regular investment into NPS through D-remit feature.
Even if you invest 25 K per month in NPS you may expect a corpus of 1.8 Cr at the age of 60 assuming modest return of 8%.
Best wishes;
Answered on Apr 22, 2025
Financial Expert's SWP Advice: Can I Expect Better Returns?
Ans: Hello;
Managing your personal finance by watching YouTube videos of finfluencers can be injurious to your financial health.
Do not fall for it ever because their are vested interests. Keep in mind that if something is available for free then you are the product.
It would be better to consult an investment advisor or a certified financial planner.
Best wishes;
Managing your personal finance by watching YouTube videos of finfluencers can be injurious to your financial health.
Do not fall for it ever because their are vested interests. Keep in mind that if something is available for free then you are the product.
It would be better to consult an investment advisor or a certified financial planner.
Best wishes;
Asked on - Apr 24, 2025 | Answered on Apr 24, 2025
Thankyou millind sir for your valuable suggestion...and yes you are correct sir but I have already consulted to two persons one is a fund manager in IIFL and another is financial planner in motilal Oswal...wanted to be more clear on SWP concept.....as I want to invest a big amount from my hard earning for my future
Ans: Hello;
What is your current age?
Please confirm.
Thanks
What is your current age?
Please confirm.
Thanks
Answered on Apr 21, 2025
Should I Prepay My Home Loan or Invest My Rs. 30 Lacs Elsewhere?
Ans: Hello;
From financial prudence stand point as well as tax point of view it makes sense to repay the home loan.
Capital gain from the sell of old property can be set off against new property loan repayment thereby avoiding capital gain tax payment completely.
However considering new Incom tax bill recently passed by the parliament it would be better to consult a CA specializing in personal income tax, on this topic.
You may keep the tenure same and reduce EMI thereby getting more investible surplus income that could be moved to NPS/monthly sip's towards your long term goals.
Best wishes;
(more)
From financial prudence stand point as well as tax point of view it makes sense to repay the home loan.
Capital gain from the sell of old property can be set off against new property loan repayment thereby avoiding capital gain tax payment completely.
However considering new Incom tax bill recently passed by the parliament it would be better to consult a CA specializing in personal income tax, on this topic.
You may keep the tenure same and reduce EMI thereby getting more investible surplus income that could be moved to NPS/monthly sip's towards your long term goals.
Best wishes;
Answered on Apr 19, 2025
Should I withdraw my PF funds at 59? | Reader Question
Ans: Hello;
You may try online withdrawal again under para 68NN but my view is that it is cumbersome, non user friendly and hence can be frustrating.
You may also approach the EPFO office where your PF account is held physically and submit your withdrawal request under para 68NN by enclosing all supporting documents.
If all documents are in order, you may expect to receive funds in 2-3 weeks.
Best wishes;
(more)
You may try online withdrawal again under para 68NN but my view is that it is cumbersome, non user friendly and hence can be frustrating.
You may also approach the EPFO office where your PF account is held physically and submit your withdrawal request under para 68NN by enclosing all supporting documents.
If all documents are in order, you may expect to receive funds in 2-3 weeks.
Best wishes;
Answered on Apr 19, 2025
How much will I receive at maturity for my son's Jeevan Shree policy?
Ans: Hello;
Your son may expect a maturity amount of around 6-6.5 L.
Your son may receive the maturity proceeds in his account, tax free and then he can gift it to you without need to pay any tax being gift from blood relative.
Check with a practising CA if you want more clarity on the matter.
Best wishes;
(more)
Your son may expect a maturity amount of around 6-6.5 L.
Your son may receive the maturity proceeds in his account, tax free and then he can gift it to you without need to pay any tax being gift from blood relative.
Check with a practising CA if you want more clarity on the matter.
Best wishes;
Answered on Apr 19, 2025
Asked by Anonymous - Apr 19, 2025Hindi
Answered on Apr 18, 2025
Asked by Anonymous - Apr 17, 2025Hindi
Answered on Apr 16, 2025
Asked by Anonymous - Apr 16, 2025Hindi
Jobless and in Debt: Can I Pause My Education Loan EMIs?
Ans: Hello;
Talk to your lender and explore possibility of temporary moratorium or restructuring of the loan.
If you assure the lender about your intent to repay the loan they may go soft on your cibil score, if you make a polite request about it.
If this works well and good.
If no, then talk to your parents and see if you can sell some asset to repay the loan.
Always ensure to keep 8-10 months worth of regular expense coverage as emergency funds when you have overdue loans.
It helps during such situations.
Best wishes;
(more)
Talk to your lender and explore possibility of temporary moratorium or restructuring of the loan.
If you assure the lender about your intent to repay the loan they may go soft on your cibil score, if you make a polite request about it.
If this works well and good.
If no, then talk to your parents and see if you can sell some asset to repay the loan.
Always ensure to keep 8-10 months worth of regular expense coverage as emergency funds when you have overdue loans.
It helps during such situations.
Best wishes;
Answered on Apr 16, 2025
Asked by Anonymous - Apr 16, 2025Hindi
Should I Hold or Sell Mutual Funds I Was Pressured Into Buying?
Ans: Hello;
Buying a financial product from a bank employee is the worst thing to do!
Because the issue is they have their own self interest in mind(push a product without any due diligence for higher incentives) rather than your suitability, preference and choice.
Which MF scheme did he sell you?
Based on your response I will be able to comment on next steps.
Be very cautious next time you visit a bank.
Best wishes;
(more)
Buying a financial product from a bank employee is the worst thing to do!
Because the issue is they have their own self interest in mind(push a product without any due diligence for higher incentives) rather than your suitability, preference and choice.
Which MF scheme did he sell you?
Based on your response I will be able to comment on next steps.
Be very cautious next time you visit a bank.
Best wishes;
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