HDFC . They have good credit cards and loans..

Product Owner

What advantage does it have compared to HDFC ?

Software Engineer

Engineering Manager

ICICI - App is amazing, you won’t lose your mind everytime you use that pathetic HDFC app. 
  
 Customer service is decent. Offers are also good if you get their credit card.

Product Manager

Axis, if they're offering you a Burgundy account. They have the best credit card in Magnus, and Burgundy itself offers a lot.

Normally 3 lpm, but depends on your company. I know people who have got Burgundy at 1 lpm as well.

Is Standard Chartered good? Planning to open one.. confused between SCB or HDFC?

Software Developer

Business Development Manager

Can't go wrong with either HDFC or SBI, in terms of reach and safety (both are D-SIBs). 
  
 However, both have atrocious UX (both digital and physical). 
  
 If you want a nice and easy experience, try IDFC.

Founder

Which bank should I choose as my salary account ? Give your  insights.

Welcome to Personal Finance's Private Community

Fresher here ! Which salary account to start ?

Fresher here ! Which salary account to start ?- Grapevine

I am starting my first job and have no clue how to select a bank for my salary account. We have been given the following options : HDFC Axis ICICI and SBI. 

What are the factors and which I can decide? Any help or personal experiences appreciated!

How to select a bank for a salary account ?

Management Consultant

Thread to discuss bank accounts , type of the account and what do you use it for ?

Bank account Mega Thread: Which bank accounts do you have and what do you use it for?

What account did you choose to get your salary in and why?

Salary accounts?

Hi, I'm a fresher. I want to know, are there any benefits of having a salaried account in a particular bank?
If so, which ones do you suggest would be the best one.
My office has a tie-up with HDFC bank.

Which bank for salaried account?

Welcome to Software Engineers's Private Community

What salary account you are using and what are the benefits?
I would like to change my salary account looking forward to what's the best out there.
I have citi bank salary account currently

Best salary account

Which bank is offering best service in corporate salary account ? 

I have HDFC currently but looking to switch to IDFC as IDFC have better transaction limit then HDFC for ATM and also online !

Comments the best Bank with some special features too !

Salary Account ¿

Account Executive

Hi, I have recently graduated and now I'm going to start my career as a software developer. Can you suggest me with resources  for managing finances along with taxes and how to do investments or guide me how I can manage my expenses by giving some tips?
 
My base is around 14Lpa. 
My rent is around 25kpm. And monthly necessary expenditure of around 15kpm.
I am not that well-versed with taxes also. I'm learning about them. Currently I invest 3k in MF every month.
I would like to your suggestions and advises for the same.

Personal Finance Tips for fresher

Congratulations - you're off to a great start! Thats a tidy income to start off with. 
  
 My advise, cut out all the noise and random friendly advise from all and sundry and keep it really really simple till you hit a 50L investment corpus. 
  
 0. Buy a Term Insurance (vanilla, no riders) for 2 Cr. Annual Premium. Till 65 years of age.  
 0. Buy a Health Insurance cover for 10L.  Annual Premium. 
 0. If your parents aren't insured, buy a family floater cover for them now.  15L. Annual Premium.  This may become impossible as they age. 
 1. Start a monthly SIP in a single Nifty50 Index Fund (UTI : HDFC / ICICI / Nippon / doesn't matter).  From your data I'd say put in ~40K per month. 
 2. Start a PPF account and maximise annual investment - 1.5L pa.  
 3.  Invest all bonuses / increase in salary in the same Index Fund.   
  
 Watch the magic of compounding begin.  You'll see the impact of laying this foundation only post 20 yrs.  
  
 If your salary (and as a result your SIP) doesn't change, you should hit 50L in ~7 years.  Faster if you get good salary hikes and appraisals. 
  
 When you hit 50L, diversify into other asset classes (SGB + Flexicap MF + Real Estate for own use).  Do not create clutter by adding MFs and complicate life.  Keep investments simple as you scale: 
  
 30% - Index Fund 
 30% - Flexicap 
 20% - Gold (demat) 
 20% - Debt (EPF/PPF) 
  
 Rebalance asset allocation annually. 
  
 Never invest or choose instruments for tax planning. Tax optimisation leads to suboptimal instrument choices with your money (Insurance / Debt / etc). 
  
 Suggested Reading: Let's Talk Money, Monika Halan.  Easiest book to understand and follow.  
  
 Good luck!

Sales Manager

Hi everyone,
I am a fresher software engineer working in a top MNC with 14LPA(base pay) and 22LPA(ctc). I want to know what would be the best credit card for me to start with. I have no experience in credit card.

Thanks

Best Credit Card for Beginners

Welcome to IT Company Discussion's Private Community

Can anyone suggest a good job for freshers graduate with more salary.

Welcome to Business Roles's Private Community

Hi guys,

I have a tier - II MBA, 5 years of work-ex post MBA. I currently work in marketing and the pay is good. However, I struggle with my mental health in this role, especially because I am an introvert who deals with ADHD. I have figured out that IC roles with minimal dependency on other people is where I thrive. I also like working with data in my role, whenever I get the chance to do so.

 I figured that Data Analytics/Science could be one of the fields that I could work well in. 

How do I pivot to this field? Where do I start? What kind of salary structure can I look at? What would be the growth? Is it even worth it?

How do I pivot to Data Analytics/Data Science?

Brand Marketing Manager

Hi everyone, I recently got a job at Accolite as a Software Engineer fresher. My salary details are below with my per month expenses. I would like to know how I can save most of it?  I would also like to know about your personal investment strategy.

CTC - 8 LPA

Retention bonus - 2 lakhs (Will be given over a period of 2 years, 50k on March 24, 50k on September 24 similarly for year 25.)

Per month salary ~ 55k.
Per month expenses ~ 25k

Fresher in tech, Need guidance on saving money.

Which industry is best for a Fresher CA to join with good growth potential and good starting salary?

Hi, which account is opened for salary purposes 
And which bank is better ICICI or HDFC
In terms of services and credit cards

Salary acc vs Savings acc| ICICI or HDFC

Is ₹25k p/m salary is ok for a fresher? It is WFH so basically all my money goes to savings.

Welcome to Banking & Finance's Private Community

1.Just graduated from BBA finance in April  2024 and I am unable to find a job in the finance sector and generally want to post like a financial analyst , I want to go into the investment banking sector.Any tips. 
2.I also am preparing for an MBA but I want to do a job for 2 years before perceiving my MBA, I am living in Kalyan and unable to find a job for a financial analyst post as a fresher can anybody give me some tips or referral 
3. My family is also telling me to prepare for the banking exam as I am not unable to get a job
4. My plan was to do a job for 2 years and then pursue an MBA in Norway can you please give me some tips for what I should do in this situation 
5. My education qualification is that I just completed my BBA (finance) with 8.35 Cgpa
6. I am also not interested in accounts job because my account is weak I was in scinence student and did not have much interest in accounts in college I recently gave an interview for a financial analyst position in Eclerx in Navi Mumbai but was unable to crack the aptitude test 

Can you guys give me some tips for what I should pursue and what action I should take now, can you guys give me a referral I am willing to work in any company or startup

Fresher here ! Which salary account to start ?

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