Answers posted by Rajan Krishnamurthy

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best answers
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Lifetime free credit card but still getting charged? What's going on?
answered May 11
Honestly, you're not overreacting at all. This is one of the most common traps people fall into with...
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Old vs new tax regime after Budget 2025 — which one actually saves more?
answered May 10
Honestly, for your salary range this is actually not as clear-cut as people are making it sound on T...
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ITR-3 / ITR-4 deadline extended to August 2026 — what exactly should I do now?
answered May 9
Honestly, the extension announcement is a relief but I totally get why it's confusing — the governme
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How do ULIP surrender charges work? Can't figure out how much I'll actually get back
answered May 4
Deepa, Vijay's explanation on the mechanics is correct but I'd push back slightly on one thing — don
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Which super top-up health insurance is actually worth it in 2026?
answered May 3
Honestly, super top-up was one of the best financial decisions I made for my family and I wish someo...
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Can I actually start SIP with just ₹500 on Groww or Zerodha? Is it worth it?
answered May 1
Meena, first — yes, ₹500 SIP is completely real and it's not a gimmick. I started my first SIP with
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Lifetime free credit card but still getting charged? What's going on?
answered May 1
Pooja, Usha's covered the charges well but I want to push back slightly on one thing — I don't think
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My credit card reward points just expired without warning — is this normal?
answered Apr 30
Karthik I feel your pain but I'm going to slightly push back on the 'it's a scam' framing — though I
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Can I get a credit card with ₹25k salary? Which bank will approve?
answered Apr 30
Honestly, ₹25k salary is not a dealbreaker at all. Banks are just being cautious because you have ze