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[Need Suggestions] Got Govt Job

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Deal Subedar
ViratKohli18
Recently Joined Govt Job.

Wanted To Know Few Things , Please Suggest About These.

1. Which Term Insurance/Health Insurance Should i opt?

2. Planning to Make investments. Where to Invest? (Shares , MF , Bond , index , PPF , Children Specific)

3. Salary Account is Opened with HDFC Bank. Which DC And CC Should i Take?

4. Which Credit Card Should i Take?
( Paying 7-8k Electricity Bill per 2 months , Online Shopping )

5. How can i save income Tax?

6. Should i open NPS account with HDFC? or Should i Go with Govt Portal in Order to Avoid POPs Charges?

7. Any Other Suggestion Please.

Given That in Hand Salary- Around 70k/Month , Married.


Top Comments
Spearhead Spearhead
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Get term insurance with money back guarantee, so that u will get monthly payout after the completion of ur insurance...

Lic me investment karo , sath hi sip chalu kr do According to ur budget, 2-3 sip me alag-2 amount se alag-2 need ke hisab se  krdo...

Agar first credit card h to jis bank account me salary aa rhi h usi ka credit card lo, easily bn jayega, utilities pe cashback ke liye go for axis airtel for 10% cashback upto rs. 250/month , second option is hdfc tata neu/infinity and icici amazon pay or sbi cashback if u can get it...

Income tax saving me FD, mutual fund , lic, health insurance sb ka deduction mil jayega... So u will save on income tax...

Health insurance hdfc ergo ka le lo ya icici prudential ka, jiska bhi premium km aye... Dono sahi h... I'm using hdfc ergo since 6 yrs...




Important suggestion -

Saving ke sath-2 traveling bhi karo jb time mile, saving krte-2 jindagi ghis jayegi but jb waqt nikal jayega to sirf mayusi rhegi...

Spearhead Spearhead
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Get term insurance with money back guarantee, so that u will get monthly payout after the completion of ur insurance...

Lic me investment karo , sath hi sip chalu kr do According to ur budget, 2-3 sip me alag-2 amount se alag-2 need ke hisab se  krdo...

Agar first credit card h to jis bank account me salary aa rhi h usi ka credit card lo, easily bn jayega, utilities pe cashback ke liye go for axis airtel for 10% cashback upto rs. 250/month , second option is hdfc tata neu/infinity and icici amazon pay or sbi cashback if u can get it...

Income tax saving me FD, mutual fund , lic, health insurance sb ka deduction mil jayega... So u will save on income tax...

Health insurance hdfc ergo ka le lo ya icici prudential ka, jiska bhi premium km aye... Dono sahi h... I'm using hdfc ergo since 6 yrs...




Important suggestion -

Saving ke sath-2 traveling bhi karo jb time mile, saving krte-2 jindagi ghis jayegi but jb waqt nikal jayega to sirf mayusi rhegi...

Tech Guru Tech Guru
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Money-back guarantee backed term insurance are bad

Spearhead Spearhead
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Get term insurance with money back guarantee, so that u will get monthly payout after the completion of ur insurance...

Lic me investment karo , sath hi sip chalu kr do According to ur budget, 2-3 sip me alag-2 amount se alag-2 need ke hisab se  krdo...

Agar first credit card h to jis bank account me salary aa rhi h usi ka credit card lo, easily bn jayega, utilities pe cashback ke liye go for axis airtel for 10% cashback upto rs. 250/month , second option is hdfc tata neu/infinity and icici amazon pay or sbi cashback if u can get it...

Income tax saving me FD, mutual fund , lic, health insurance sb ka deduction mil jayega... So u will save on income tax...

Health insurance hdfc ergo ka le lo ya icici prudential ka, jiska bhi premium km aye... Dono sahi h... I'm using hdfc ergo since 6 yrs...




Important suggestion -

Saving ke sath-2 traveling bhi karo jb time mile, saving krte-2 jindagi ghis jayegi but jb waqt nikal jayega to sirf mayusi rhegi...

Deal Cadet Deal Cadet
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Don't buy money back term insurance.. just buy simple term insurance and invest remaining premiums which you are paying for money back into mutual fund.. you will get more money

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Spearhead Spearhead
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Get term insurance with money back guarantee, so that u will get monthly payout after the completion of ur insurance...

Lic me investment karo , sath hi sip chalu kr do According to ur budget, 2-3 sip me alag-2 amount se alag-2 need ke hisab se  krdo...

Agar first credit card h to jis bank account me salary aa rhi h usi ka credit card lo, easily bn jayega, utilities pe cashback ke liye go for axis airtel for 10% cashback upto rs. 250/month , second option is hdfc tata neu/infinity and icici amazon pay or sbi cashback if u can get it...

Income tax saving me FD, mutual fund , lic, health insurance sb ka deduction mil jayega... So u will save on income tax...

Health insurance hdfc ergo ka le lo ya icici prudential ka, jiska bhi premium km aye... Dono sahi h... I'm using hdfc ergo since 6 yrs...




Important suggestion -

Saving ke sath-2 traveling bhi karo jb time mile, saving krte-2 jindagi ghis jayegi but jb waqt nikal jayega to sirf mayusi rhegi...

Tech Guru Tech Guru
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Money-back guarantee backed term insurance are bad

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Benevolent Benevolent
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Congrats bro 🥳 🍻

Deal Subedar Deal Subedar
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Thank You Bro heart_eyes_cat

Benevolent Benevolent
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Congrats. Post and department?
Deal Newbie Deal Newbie
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      ⁌ Assistant Interrogation Officer, Directorate of Enforcement

      ⁍ धुनाई- दे दना दन डिपार्टमेंट (Department of Revenue, Ministry of Finance).
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Helpful Helpful
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Why do you want to open Nps account? All govt officials gets their NPS accounts and you get 24% of ur monthly basic plus da in the Nps. 


Deal Subedar Deal Subedar
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Many Said Different Things. Many told that The person who got the job , has to open NPS Account Himself. Some Said About POPs Charges. Kya hai ki na NPS ke Chakkar me Bhut Saaro ki Salary Abhi 2-3 Months phle Hold ki thi.

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Helpful Helpful
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circular pado har cheez ka bus ab yahi life h

30 ko salary aayegi or 1-2 tak happiness rahegi



shadi or govt job same h dono me starting me bahut maza ayega dono long term plan h so

for 2nd - 29th u have to find ur happiness ye finance vinance to sab ho jayega

Deal Subedar Deal Subedar
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Khrcha hai Par Itna bhi nhi bhai smiley

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Deal Captain Deal Captain
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congratulations bro. 

Virat kohli took retirement and get government job.,😜

Deal Subedar Deal Subedar
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Thank You Bhai grinning

Deal's Advocate Deal's Advocate
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If u need any help in hdfc life insurance

Connect with me

Deal Subedar Deal Subedar
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HDFC me Salary Account khola gya hai as Authority has done MoU with HDFC but Starting me Platinum ( in T & C of MoU ) ka Bol ke Ab Millenia DC de diya hai rolleyes

Tech Guru Tech Guru
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 Congratulations bhai

Tech Guru Tech Guru
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Which job bhai? Congratulations. 

Finance Mentor Finance Mentor
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Apna age nahin bataya... kuch govt employees shares/mf se door rehna pasand karte hai it filing ka chakkar thoda alag hai isliye, par kuch mf investment bhi hona chahiye, tax savings even possible in elss funds...

Deal Subedar Deal Subedar
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Age 29

I Wanted to invest in Shares/MF but Want some Guidance.

Post Emperor Post Emperor
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Congratulations bhai tada tada for getting govt. Job. I am still trying disappointed disappointed

Deal Subedar Deal Subedar
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Thank You Bhai blush Ho Jayega Bhai..All The Best trophy

Brand Enthusiast Brand Enthusiast
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Congrats! First thing to erase from mind credit card. Its useful, but not at this time.

1. 5L surplus in FD

2. A plot of your own in your native

3. Gold for your wife whenever you can

4  Term insurance atleast for 2crs.

5. Meanwhile you achieve 4, your investment journey to rest will start and get acquainted with govt. type if investments from colleagues.

6. Never miss group plot buys by colleagues.

7. Plan for your own house at native as you get transfers and HRA as you grow.

8. CG still has pension i believe and good health cover with health cards after service also

For private its different financial journey, remember it.

Now its all conservative plan that will not fail most of times. 

Risk taking, you have many, follow DD daily

Deal Subedar Deal Subedar
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@Stardeals Bhai First Line Pd Lo smiley

Thank You So Much For Valuable Inputs blush 

Deal Cadet Deal Cadet
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1) Take max amount term insurance. do not take any lic ,ulip & stuff

2) if your medical bills paid by government then no need to take medical insurance now.

3) go for new regime and no need for 80c etc

4) do monthly sip of at least 30% of your take home to build a good corpus.

5) emergency funds of 2-3 months salary incase of sudden emergency

6) buy apartment if your job is non transferable else postpone for now. do not invest in property in rural areas as in old age you want to stay near good hospitals,


Deal Subedar Deal Subedar
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STRICTLY FOLLOW THIS

Although everything said in this comment is bang on 💥 
But I am repeating again, only Saral jeevan bima (pure life term insurance till 60-63 years age) 

Rest SIP, FD, GOLD, PPF/SUKANYA

Deal Brigadier Deal Brigadier
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Congratulations Virat Kohli jis company me job mili h uska share listed nhi h ? 

Deal Subedar Deal Subedar
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Thank You Bhai blush

Bhai Company Nhi hai , School Hai smiley

Wingman Wingman
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Congratulations

Deal Lieutenant Deal Lieutenant
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Comment No Longer Exist
Benevolent Benevolent
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अच्छा......

1. SIP करना है या स्टॉक या mutual फंड में पैसा लगाना है। ये एक individual की समझदारी के ऊपर है। हर चीज का अपना फायदा या नुकसान होता है। जो SIP कर रहे हैँ या स्टॉक में निवेश हैं वो सोच समझ कर ही ये निर्णय लेते हैं। जिनको ये सब नहीं करना तो रखे रहो अपना पैसा फिक्स्ड डिपॉज़िट में और रोते रहो। कौन रोका है ?

2. SIP सरकार का propoganda propaganda है इसीलिये financial experts एक secured भविष्य के लिए SIP करने का सुझाव देते हैं? सचिन और धोनी भी सरकार कहने पर SIP करने को बोलते हैं क्या? प्रोपगैंडा किसका है साफ़ दिख रहा है। 🤣

3. carona नहीं Corona 😷 😂 करोना "carona" कहाँ हुआ था ये तो व्हाट्सप्प यूनिवर्सिटी के student ही बता पाएंगे। हाँ कोरोना (Corona) जरूर चीन से फैला था। व्हाट्सप्प यूनिवर्सिटी के students के ज्ञान के स्तर का पता लग जाता है। बड़ी विडंबना है कि ये लोग दूसरों को finance और SIP पर ज्ञान देते फिरते हैं।

4. कोरोना को रोकने के हर संभव इंतेजाम किये गए थे और दुनिया के हर एक देश चाहे भारत हो या अमेरिका, ऑस्ट्रेलिया हो या UK, फ्रांस हो या जर्मनी, सबने इंतजाम किये थे। इन सब देशों की सरकारों ने क्या पैसे की कमाई करने के लिए कोरोना से भरे डिब्बे चीन से import किये थे ? 🤔 कोरोना कोई इंटरपोल नोटिस वाला भगोड़ा नहीं था कि एयरपोर्ट पर arrest कर लिया। ऐसे संक्रामक रोगों की रोकथाम करना बहुत कठिन होता है। कोरोना से पहले भी MERS और SARS जैसी संक्रामक बीमारियां फैल चुकी थीं।

5. कोरोना की वजह से पूरी दुनिया में आर्थिक संकट आ गया था। GDP को नुकसान हुआ था। विभिन्न देशों की सरकारों को दिन रात काम करना पड़ा था। कई डॉक्टर्स और नर्सिंग स्टाफ ,दिन रात मरीजों का इलाज करते करते खुद संक्रमित होकर मर गए। लेकिन षड्यंत्र करने वाले और propaganda फैलाने वालों को लगता है कि ये सब कमाई के लिए हो रहा था। उनको व्हाट्सप्प यूनिवर्सिटी का जमाल घोटा पीकर उगलने के अलावा कुछ नहीं आता। अगर आप उनसे पूछो कि कैसे हुआ? तो वो "ये सिर्फ सरकार को पता है केसे " बोलकर भाग जाते हैं। 😆

6. अब असली मुद्दे पर आते है की SIP में पैसा क्यों लगाना चाइए चाहिए। Power of compounding, SIP को एक बहुत अच्छा निवेश बनाती है। यही नहीं SIP महंगाई दर से भी निपट सकती है।

https://economictimes.indiatimes.com/mf/analysi...

कोशिश करो की कि investment प्लान कर सको और financially independent बन सको ताकि किसी व्हाट्सअप यूनिवर्सिटी में पढ़कर किसी मनरेगा (MGNREGA) के भरोसे न बैठे रहो और सुबह गड्ढा खोद के शाम को उसी गड्ढे को भरने की पल्लेदारी न करो। 🤧

https://www.valueresearchonline.com/stories/typ...
#SIPSahiHai

Helpful Helpful
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Waise tumhara job karne ka kya zarurat tha? Cricket khelke Paisa nhi kamai ho raha hai kya? 🤔

Deal Major Deal Major
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Retirement ke baad ka job hai time pass ke liye anushka aunty ko bhi sambhalna hai kissing_heart

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Helpful Helpful
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When you got Govt. job, why do you need health insurance?

through which exam you got the job?

Deal Subedar Deal Subedar
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Being Central Govt Job , Health Related facility is Included in this Job. Just wanted to know that if i need apart from it or somehow more beneficial to me than CGHS.

Exam Was For Central Govt Teacher Recruitment.

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Generous Generous
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Hi, I have a question for you. Hope you don't mind 🙏

For govt job interview, what is considered job experience proof?

Like should I show "by salary" transactions on my bank account for those private jobs that I did as fresher? As the firm's never shared joining letter or experience letter. Only one former boss shared one with me.

Another one I left after 4 months due to workplace bullying and 3rd class management so I don't even bother counting that.

The current employer/my manager told me he would also write the experience letter when the time comes.

Deal Subedar Deal Subedar
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Hey Bro..For Govt Jobs , They Consider Someone Experienced if You have Worked with Govt. Sector Institutions and Experience Certificate has Some Pre-Decided Format As well on which you have to Show your Experience Details Along with Counter Sign of Competent Authority Because It is easy to Make Fake Experience certificate in Private Sector. [ My Answer is More Oriented Towards Education institutions]

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Deal Subedar Deal Subedar
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Hi All , Thank You All of You For Response and For Well Wishes.

Regarding My Job Profile Selected as School Lecturer in Central Govt. School.

Some More Points I want Add which i missed earlier-

1. My Age 29 Years

2. The Job Which i Get , Has Quarter/Residence Facility.

3. I have Agricultural Land [ on My Name ] , On Which Different Crops Are Grown and Good Income [~12-13L/Year After all deductions ] Comes from This Source But I'm not considering it as of now as whole income is Consumed by my family Members. Will it affect ITR filing in Future? i have heard that Agricultural Income doesn't falls under ITR[I'm Not Sure]

4. Having Some Plots as well but All are in Rural Areas.

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