Answers posted by Ramesh Chandran

7
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best answers
0 votes
Is 1 crore really enough to retire in India in 2026? Feeling very unsure
answered May 6
I'll push back slightly on what Gopal said — not completely wrong, but I think the picture is more m
2 votes
8 lakh CTC offer in hand - how much will I actually get per month?
answered May 5
Honestly, 8 LPA CTC in India is one of the most confusing salary structures people deal with. Let me...
1 vote
HRA exemption if my city is not in metro or Tier-2 approved list?
answered May 5
Honestly, your CA did the right thing using 40%. Let me explain why. The HRA exemption rule under S...
0 votes
Where to park emergency fund in 2026? Liquid fund or just savings account?
answered May 2
Good question Pooja, but I'll push back a little on what others might tell you about liquid funds fo...
0 votes
How do I check if my mutual fund is direct or regular plan?
answered May 2
Honestly, this is one of the most important things to check and most people never bother. Good that ...
0 votes
NPS vs PPF vs ELSS — which one should I actually go with at 30?
answered May 1
Honestly, at 30 with no loans and an emergency fund already sorted, you're in a better position than...
0 votes
Which credit card actually gives best cashback on Amazon Great Indian Festival?
answered Apr 30
Suresh's answer is fine but I'd push back on one thing — don't put all your eggs in the Amazon Pay I