Personal Finance | AmbitionBox

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friendlyneighbour

4mo

works at

Net worth of Virat Kohli: 1100 crore Net worth of Ajay Jadeja: 1400 crore (after becoming heir to Jamnagar Royal throne) Years of talent vs inheriting generational wealth🥲 However, Ajay Jadeja might not be able spend ... read more

What do you think is better?

Generational Wealth🔥

46%

Talent😏

54%

11 participants

.

poll closed

a sales executive

5mo

How Much Do You Invest?

I'm curious to know how others manage their finances. I used to have a monthly take-home of 1.75 lakhs, but it's now around 2.1 lakhs. Out of that, I allocated 70k to SIPs and 30k to stocks (through a small case). On average, tha... read more

crunchytikka

5mo

works at

Cipla

Did I Avoid Interest on My iPhone EMI?

I recently bought an iPhone 16 Pro on a 6-month no-interest EMI plan using my ICICI Amex Rubyx card. I was able to pay off the entire amount early without any extra charges. I'm curious if I'll still be charged interest each month, even though I've already paid it all o... read more

gemsbond

5mo

works at

Accenture

A Middle-Class Perspective on the Rat Race!

I've been noticing a lot of posts about people making tons of money and having huge net worths. It's made me think about my situation. My parents always told me that having a roof over my h... read more

an assistant manager

4mo (edited)

A Difficult but Necessary Choice!

It's heartbreaking to see a loved one struggle financially. For the past four years, my uncle has increasingly turned to me for loans, and the frequency of his requests has grown steadily. I've always been ge... read more

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a team manager

5mo

Investment Thoughts?

What’s the best way to invest INR 30k as a complete beginner? Stocks vs Mutual Funds vs FDs vs lending to a friend on interest? P.S- If suggesting the last option, then let me know at what interest rate can I lend money?👀

flyingchappal

5mo

A Senior Executive

Saving for the Future: Advice Needed

I'm trying to figure out my retirement finances and how much I'll need to save for my kids' education. I'm 40, the sole breadwinner, and haven't saved much. My post-tax, in-hand salary is around ₹53 lakhs per year. How much would that translate to f... read more

a chat and email support executive

5mo

Is Zomato too overvalued to enter right now?

I bought Zomato when it was in 60s and it has reached 200+. Though I like the money I have made, but I don’t see a sustainable business model here: Food delivery commissions have made me switch to d... read more

biryanienthu

6mo

works at

Infosys

Is the High Salary Worth the Sacrifice?

Hey, for those of you in high-paying roles, is this breakdown of CTC and monthly salary accurate? After taxes and deductions, is all the hustle really worth it? Share your thoughts!

a sales executive

7mo (edited)

Satya Vachan

Once a wiseman said that Health is wealth😌

an operations executive

5mo

Seeking 1-Year Mutual Fund Investment Advice!

Hi folks, I am looking to invest in Mutual funds for a period of 1 year with 1 time amount. Please suggest me some funds in which I should Invest.

awesomesnail

5mo (edited)

works at

Flipkart

How to convert 75 lakh cash into stocks?

My mother is receiving 75 lakhs in cash from her father as her share of the property. We have a decade of investment experience and would like to allocate the entire amount to the stock market. Please advice!

an operations executive

6mo

Drowning in Debt: Need Urgent Help!

Hey everyone, I'm feeling really overwhelmed right now. My family's in a tough spot financially with about ₹6 crores in loans. We're barely making ends meet, and our savings are almost gone. We bring in aroun... read more

an operations executive

5mo

Reducing Debts

Planning to break down my debt into manageable chunks and allocate funds to pay it off. What are your thoughts on this idea, will it work to minimise the financial debts...?

a sales executive

5mo

Given your current financial situation, how long do you think you could comfortably go without a paycheck?

Please Share!

sleekchapati

7mo

A Team Lead

What are the 5 golden rules of personal finance everyone should know?

Hi everyone, Let's get financial! 💸 Share your top 5 personal finance tips. Whether it's saving, investing, budgeting, or anything in between, let's learn from each other. Your advice could be a game-changer for someone! 💡

a chat and email support executive

4mo

How to change my mindset about spending?🤷‍♂️

So I wanted to buy a couple of things for which I saved up the money, but once I reached that amount I didn't feel like buying it. E.g. I wanted to buy a watch that costs around 13-15k i have 36k( disposable income apart from sav... read more

crunchytikka

6mo

works at

Cipla

The Financial Impact of a New Car

I'm 28, working in Bangalore, and my parents live about 300 km away. I've been thinking about upgrading from my 8-year-old bike to a car. I've recently bought a house for my parents and am paying the EMI, so I ... read more

a sales executive

6mo

How to Handle Debt and Investments?

I have a 15-lakh education loan with a 7.2% interest rate, spread over 15 years. I'm currently paying a monthly EMI of ₹20,000. My outstanding loan balance is ₹13 lakhs. My monthly take-home salary is ₹1.1 lakhs. I invest ₹20,000... read more

a sales executive

5mo

How to Break Free from Credit Card Debt and Save Money?

I'm 33 years old and making ₹50,000 per month after deductions. My wife is currently not working to care for our young child, but she's looking for a ... read more

goldenfire

5mo

student at

Babu Banarasi Das National Institute of Technology and Management, Lucknow

Best Investment Options for ₹20,000 Monthly

Hey everyone, My dad is offering to give me ₹20,000 every month to invest. I’m thinking about putting it into a SIP or SWP, but I’m not sure which is better. Where do you think I should invest this money? I want to make the most... read more

an operations executive

5mo

Looking at buying a term insurance policy, was curious how much cover are folks buying.

What's your term insurance cover?

1-3 crores

80%

3-5 crores

0%

5-7 crores

0%

7-10 crores

20%

15 participants

.

poll closed

a content writer

6mo

What's your biggest financial dream for 2025?

Is there something you've been saving up for, or maybe a debt you want to finally shake off? Let's talk about financial goals!

a software developer

6mo

Turning Free Time into Fortune

Hey everyone, I am making a decent living but feeling like I'm wasting too much free time. Thinking about turning that spare time into extra cash something like 30-40% of my current income. Any ideas for a good side hustle? 🤔

an educator

7mo

Frustrated after paying 80L tax

I have recently lost my job due to layoffs. I have paid over 80 lakhs as tax to the government over my career of 5 years. Tax equivalence to a house! Now, I have 0 social security. What is the govern... read more

zombition

6mo

student at

Government College of engineering nagpur

In which company should I open my salary account(and also get its credit card)

I am a fresher graduate and received a job offer from tcs . I'll be asked to choose a bank in which my salary account should be opened. Which bank credit card would be the most beneficial to me as a beginner? Please share your insights.

an executive

5mo

Investing for the Future!

Hey everyone, I’m 20 and just started working. I’m able to save about ₹60,000 a month after covering my expenses, and I have no outstanding loans. I’ve already invested ₹20,000 in stocks, but I’m still new to investing. I’m think... read more

biryanienthu

6mo

works at

Infosys

What are some good investment options for beginners?

I'm a 29-year-old male working in IT. I've made some financial mistakes and want to build an emergency fund. I can invest up to ₹80,000 per month. What are some good investment options for me?

widemermaid

5mo

A Senior Software Engineer

I’m thinking about canceling a credit card. How will this affect my credit score?

Please Suggest!

exoticdaffodil

5mo

works at

AmbitionBox

Building For Emergency

I always felt the everyone of us should set aside a portion of your income each month to build an emergency amount. It could be in any form like an RD, MF or an SIP.

an operations executive

6mo

Salary Account Confusion

Hey everyone, I'm pretty new to the whole salary account thing. My company just sprung this on me, saying I need to open a salary account with Jupiter. I'm confused because I already have a savings account tha... read more

an assistant manager

6mo

Rethinking My Investment Strategy

I'm 29 and currently investing in a PPF to get the tax benefits. I'm wondering if it would be a good idea to close it and invest the money in a small-cap fund instead. I already have some money invested in a UTI index fund and a few individual stock... read more

an equity trader

6mo

Kis kis ke paas ZOMATO ke shares hain?

If yes, please share average buy price, and PnL ;)

kaamchor

8mo

works at

TCS

The trading craze in India is really driving me crazy!

Everyone... I mean EVERYONE, from teachers to students to Uber drivers to Corporate employees... everyone seems to be funneling their money into the market. Most are not there for the long term. I remember when the stock market was literally consid... read more

kyachahiye

7mo

A Software Developer

Sharan saved 10 lakh with 28733 per month salary in 3.5 years😂😂

I recently came across a reel by Finance with Sharan where he was yelling that he started at 28733 per month in Bangalore and after 3.5 yrs. he saved 10 lakhs.. My concern is that he earned 11 lakh approx. For 3 yrs he lived in 1 lakh and s... read more

a software developer

5mo

Please participate

How much earning is enough for a couple and kid to live a decent life in Bangalore?

Less than 30 LPA

43%

30-40 LPA

39%

40-50 LPA

8%

More than 50 LPA

10%

46 participants

.

poll closed

an equity trader

6mo

Kis kis ke paas NAUKRI ke shares hain?

If yes, please share average buy price, and PnL ;)

widemermaid

8mo

A Senior Software Engineer

Anyone else out there struggling with the rising cost of living?

My spouse and I bring in a combined pre-tax salary of 4.5 lakhs a month, but it feels like everything just disappears! Between housing costs, school fees, EMIs, and groceries, there's barely anything left at the end. We are barely scraping by with 1 ... read more

fastandcurious

8mo

works at

Zomato

Which is the cheapest city in India to settle for a retired life?

Please comment!

crunchytikka

6mo

works at

Cipla

Feeling the Pinch

It seems like the government's decision to reinstate pensions for central government employees has made private companies a little more stingy when it comes to offering employee benefits. Is anyone else noticing this trend? It's kind of frustrating, don't you think?

a team lead

6mo

Hindenburg Alert!

Which stock and how much dip? Predict in comments�🤔

tiddey

7mo

An Analyst

Entertainment fund

People I’m 26, and I’m doing a part-time job as a teacher which could give me around 10-30k every month and I’d like to keep it for entertainment fund (For buying things for my parents and siblings). I am not a high-maintenance person and don’t buy e... read more

sastasuperhero

8mo

A Chief Engineer

India's Largest IPO (apparently)! Are you guys ready for Hyundai's IPO? 💹

Read on Friday that Hyundai Motor India has approached SEBI to raise Rs 25,000 crore! I am literally shaking anticipating the impact it will have on the stock market! How many of you guys are excited about this crazzyyyyyy IPO? 🤯🤯🤯

theshark

7mo

A Process Associate

Tell me what you earn without telling me what you earn!

Just tell me kitna tax bharne wale ho....

sleekchapati

6mo

A Team Lead

Why is personal finance management so often overlooked in India? 🤔

I believe it's a crucial life skill that can help you achieve your financial goals, reduce stress, and build a secure future. 💰 Yet, many of us still neglect budgeting, saving, and investing. Why is that so?

an equity trader

6mo

NS

Codename for ? ;)

an assistant manager

7mo

How much money do I actually need to live comfortably in Mumbai with a family of four?

I am talking a nice 4BHK apartment, a decent car like a Volkswagen, being able to afford good schools for the kids, and also have some fun! Local outings every few months, an annual international trip, and of course, good clothes and electronics! Do... read more

hvacx

7mo

works at

leipole

What the stock market crash has done to you

an equity trader

6mo

Kis kis ke paas RVNL ke shares hain?

If yes, please share average buy price, and PnL ;)

importantscorpion

7mo

works at

Info Edge

Savings for My Daughter: How Much is Enough?

Elated new dad here! My beautiful baby girl arrived a few months ago and I'm already over the moon thinking about her future. One thing that's come up is saving for her education and other goals. Any experienced parents out there have advice on ... read more

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