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Best way to transfer from credit card to savings account / cc limit enhancement trick

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rogerthat
Original Title was : best way to: transfer from credit card to savings account / cc limit enhancement trick / cc rewards points right now i m using nps tier 2 to do so but TURN AROUND TIME is 10+ days https://www.npscra.nsdl.co.in/subscribers...e…
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Deal Subedar Deal Subedar
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I hv query related to voluntary contribution to nps under Section 80CCD(2) (10% of basic salary in addition to 50K/year limit). How can i do it myself because my organization is not doing it and how to claim it ITR?

Deal Cadet Deal Cadet
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Signed the form and attached cancelled cheque, signed kyc documents and sent it to eNps thru speedpost

Deal Subedar Deal Subedar
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Today I applied for both tier 1 and tier 2 account with deposit of 500 in each… verified by adhaar…
PRAN number generated..
Now what to do?

Blogger Blogger
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login to nps application.

search  nps in playstore or.


cra-nsdl.com/CRA/

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Deal Subedar Deal Subedar
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https://cdn0.desidime.com/attachments/photos/592344/original/Screenshot_2019-10-24-07-18-17-462.jpeg?1571881732Its still in freeze state…after how much time i will be able to add money

Deal Subedar Deal Subedar
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Edit: now tier-1 and tier-2 activated for contribution… deposited some amount in tier-1

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Deal Subedar Deal Subedar
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@rogerthat finally opened tier 2 account and downloaded esigned form. Now should i send this document to anywhere or just sit and relax for few days.

Helpful Helpful
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Wait for a week

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Deal Cadet Deal Cadet
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@rogerthat Bro I work in govt sector, I have NPS tier I account. How to open Tier II account

Blogger Blogger
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apply online through cra Portal

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Deal Cadet Deal Cadet
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I have APY account opened through bank? Can i again open these NPS tier 1&2 accnts?
If no, then what to do ???

Blogger Blogger
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close apy account or open nps in mrs name

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Deal Newbie Deal Newbie
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One more interesting think for investment in NPS Tier 2 do you can use your Kotak PVR card when you transact for 15000 rupees in a month you get 2 free PVR tickets worth around 800 rupees so you pay 135 rupees + GST that is around 150 rupees for two tickets PVR if you get some return on your NPS Tier 2 account it will be a Bonanza for you

Deal Newbie Deal Newbie
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First page link not working,
can you please update the same?

Deal Cadet Deal Cadet
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@rogerthat bhai my tier 2 account has been activated now. I chose icici prudential and gave 33, 33 and 34% weightage. what scheme would you suggest to opt for I am planning to ivest Rs 1 Lakh through my cc. and may be after 10-15 days request for withdrawal

Blogger Blogger
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i advised hdfc.

increase your equity portion to 50% or more better results

Tech Guru Tech Guru
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@rogerthat
The first link does not work.
Also if I go to register directly from website (https://npscra.nsdl....n/), I am on step 2 “contact details” tab and I am unable to fill up the Fatca details as I have no TIN. Without filling it up, it does not let me go ahead. sad

Deal Subedar Deal Subedar
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Use your PAN card number (it’s tax identification number)

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Helpful Helpful
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@rogerthat

What is the minimum contribution for tier 1 ?

Helpful Helpful
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I mean , minimum contribution per year.

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Deal Subedar Deal Subedar
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@rogerthat Bhai what do you think of NoBroker app, just charging 99 for 10,000

And how to increase the Citi bank credit card limit, any tips or ideas?

Deal Subedar Deal Subedar
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They might end up asking for rent agreement.

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Deal Subedar Deal Subedar
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@rogerthat
What should be ideal ratio of annual income and collective credit limit of all credit cards a person holds.
Read somewhere, banks consider this ratio before issuing credit card to their new customers.

Deal Subedar Deal Subedar
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what the max contribution for tier 1 ? since contribution to tier 1 is already getting deducted thru bank account, will it be same for tier 2 account also ?

Deal Subedar Deal Subedar
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upper limit for self contribution is 2L, Tax benefit is 1.5L under 80CCD + 50k under 80CCD(1b)
For max benefit,
10% of basic salary (for salaried) + 50k for 80ccd + upto 1.5L for 80c (depending on other 80c contribution)

Reference :

https://cleartax.in/s/section-80-...1b

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Blogger Blogger
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for govt employee contribution is now 14%.

and they can claim deduction on tier 2 investment also if locked in for 3 years.

Deal Subedar Deal Subedar
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Hame kab milega 14%

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Beacon Beacon
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Do we need to pay initially to activate Tier-2 account? Whether I have to send documents to anywhere for activation?

Blogger Blogger
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yes for Payment.


yes/no depends on your luck

Deal Subedar Deal Subedar
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@rogerthat Bhai how is the airtel payments bank to airtel merchant account trick?

Cool Cool
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Charges for this process?

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Deal Cadet Deal Cadet
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currently i am getting amex card not supported for nps contribution.. is it same for everyone? looking to complete 6 transactions of this month rage

Blogger Blogger
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on nps app ?

i tried once it went upto OTP stage

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Deal Cadet Deal Cadet
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Yes, I am using SBI Gateway, yesterday night it was working but now it is giving error pensive

Deal Subedar Deal Subedar
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where to use credit card for investment

Helpful Helpful
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@rogerthat currently . i have a ppf for rs 1,50,000 , also i get epf at rs 1800pm .
now company has given option to contribute 12% of salalry. +eps also and they were asking for pran no also. what should i do?

Blogger Blogger
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don’t opt for nps

its market linked and risky.


you can open nps account on your own and contribute 50k yearly for additional tax benefit.


i repeat do not switch from your existing pension scheme.

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Generous Generous
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Registered on monday early morning. Still showing PRAN no not found on status page.
How long before I call them?

Blogger Blogger
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7 days

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Generous Generous
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fund is hdfc based
bank acc with yes bank
which one you asking?

Blogger Blogger
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yew bank is pop in your case.

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Deal Subedar Deal Subedar
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https://enps.nsdl.com/eNPS/OnlineSubscriberRegi...

I am trying to open a new NPS account using above Link as you recommended.

Can you please help clarifying below queries?

1. Do I need to pay any extra charges if I open this NPS account from onlinesbi directly..?
2. Do we need to submit cancelled cheque mandatorily..? My sbi account doesn’t have any cheque facility.
3. My aadhaar address and sbi address is the same, but I don’t have cheque for this sbi.. Will it be a problem if I want to open Tier 2 account as I see cancelled cheque is mandatory for tier2
4. I do have SCB salary account with cheque book, but address with it is not updated. Is it okay if I give scb bank account for ekyc details as it is also linked with aadhaar…?

@rogerthat

Blogger Blogger
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yes
no
no
no

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Deal Newbie Deal Newbie
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@rogerthat i am old nps user but i started using this trick recently since i got axis Flipkart cc. For me tire2 withdrawal is taking more than T+7 working days. when i raised grivience got to know that my SBH ifsc code needs to be updated after it merged into SBI. Do you have idea how can i update my bank details

Deal Subedar Deal Subedar
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You need to submit UOS S2 form along with required document proof. It’s available on NSDL website..

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Deal Newbie Deal Newbie
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Is it worthed do so?

Deal Subedar Deal Subedar
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hello
my Pran got delivered but KYC was rejected by POP
Now they are asking send registration form TO CRA,my question is which registration form ????

Blogger Blogger
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which u would have downloaded before e sign

Deal Subedar Deal Subedar
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Thank you

Deal Subedar Deal Subedar
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@rogerthat want to start investment in tier 2 nps account but this is for saving not for cc to bank purpose. what r ur suggestions?

Deal Subedar Deal Subedar
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NPS is a good product.. its basically as mutual funds product with less loading charges ..

Since investment is automatically spread in instruments of variable risks, Risks are lower and so are returns ..

If you have the knowledge for MFs and invest directly, then do that but if are not doing MFs then NPS is good option

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