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Ajit

Ajit Mishra  | Answer  |Ask -

Answered on Sep 21, 2020

Saji Question by Saji on Sep 21, 2020Hindi
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Following is my current portfolio which are presently in the loss. Kindly advise. Also, suggest me some Scripts in which I can invest considering the investment period of 2 to 3 years.

Date of Purchases Script No. of Share Net Rate Inv. Amount
05-04-2017 PTC India Finance Ltd. 800 42.48  33,984.00
18-12-2017 Cochin Shipyard Ltd 150 537.18  80,577.00
18-12-2017 BHEL Ltd 200 90.21  18,042.00
22-02-2018 Aster DM HC Ltd 129 190.00  24,510.00
Total 157,113.00

Ans: Exit all the stocks

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Asked by Anonymous - Nov 26, 2024Hindi
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I took home loan from HDFC of 10 years duration in May 2023. I told them that i will be able repay the loan in few months as i was planning to sell one plot of mine. Bank employee offered insurance on home loan with return of premium scheme telling me that as soon as you repay the loan all of the premium will be returned. I was old customer so i trusted her and took insurance. Later i came to know that no refund on that policy if you surrender in one year and 60 percent deduction after 02 years. My mistake that i overlooked freelook peroid and rate of return of premium in the documents. I have repaid my whole loan and woll be completing my policy tenure of 02 years in Apr 2025. What should i do to get maximum return of the premium and should i appeal to the higher authorities about the lie told by the employee or i accept the return and sit and regret my decision? Need your valuable advice
Ans: Hello;

You may register a grievance with ombudsman of the lender stating the facts of the matter clearly.

It is upto the discretion of lender's grievance management leadership to take appropriate view of this matter and decide suitably.

Because legally it will always boil down to, you have signed up for the policy after going through all the terms and conditions and also didn't reckon that anything is wrong during the free look up period so no discussion unless you manage to get a video clip of your conversation with the bank employee, which I believe is almost impossible.

Best wishes;

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