Suggest a topic

A lot of you reply to the daily emails with suggestions for posts, and I really appreciate that because it gives me post ideas, and I can write about stuff that is most relevant to you.

Normally, I take the gist of your suggestion; create a title of the post, and note it down on a virtual sticky note. But, the issue with this is that it is easy enough to miss an email, and sometimes the titles on the sticky notes don’t make any sense to me when I look at them later on.

So, I am creating a page here that is specifically for your suggestions for posts. You can leave a comment here suggesting an idea for a post, and if I know enough about the topic I will write about it.

That way we won’t lose track of anything you say, and if multiple people suggest the same topic for a post then I know that it should be written prior to moving on to other things.

Thanks for reading – and writing!

{ 1627 comments… read them below or add one }

Yogesh Ingole December 3, 2014 at 11:42 PM

Waiting for your views on the MonteCarlo Ipo?
First day is already over?
Please !


Deepak December 4, 2014 at 7:14 PM

Where have you guys disappeared?


Amitesh Kishore December 4, 2014 at 9:25 PM

Dear all,
Stay away from Monte Carlo IPO. Please read research on Oswal Family business and then decide.
Thank you.


Piyush Agarwal December 5, 2014 at 11:12 AM

Plz share the deatalied analysis of ‘Sukanya Samriddhi Account’
Like MAturity tax amount status , Etc


BABULI December 29, 2014 at 8:50 PM

I want to open a basic service demat account in order to minimise the charges since I am new to this..have been moving from one DP to other almost everyone discouraging ..saying you have to pay exactly same as a nonBSDA ac holder for trading account, some charging brokerage in the highest slab openly saying what the DP will get if you open BSDA..can anyone suggest or comment on this


GANESAN January 10, 2015 at 4:06 PM

I have a DEMAT account in my wife’s name. she has opened the account in her maiden name since the supporting document presented at that time had that name. But most of her MF accounts are in her new name after marriage with the surname added. Our broker has not advised her on this difference .Now the broker firm is refusing to DEMAT her MF accounts citing this anomaly. I am not interested in opening another DEMAT account with the new name since some of the holdings are still in her maiden name. Besides the trouble has come up by broker firm’s callous attitude. there are two broker firms involved, one refusing to do anything with the other MF.
Can anybody suggest a way out.


Rohit April 4, 2015 at 7:30 PM

You can change the name in your wife’s demat account. Check this link too – It will be beneficial.


Pratyush January 11, 2015 at 9:08 PM


I wish to start investing in direct plans of mutual funds. I know I’ll have to apply directly through fundhouse/AMC website and that means a lot of paperwork for a first time investor like me. To make it easier, I’ve come up with a methodology – please let me know if it will work or not.


1. Invest minimum amount (Rs 500) in my shortlisted mutual funds via ICICIdirect (I already have an active icicidirect account). This will give me folio numbers for those mutual funds.

2. I can apply for online login to fundhouses/AMCs (for the mutual funds purchased in step 1) websites using the folio numbers – this will not require any paperwork.

3. Once I have the online login for the AMC website, I can purchase direct plans.

Will this work?


Umesh January 20, 2015 at 1:07 AM

In my opinion do not invest in MF through a broker as high brokerage will add to the cost. Applying online is a better option.


Satyam January 26, 2015 at 6:07 PM


I would like to know why in Indian Currency we have only Mahatma Gandhi ?? Whereas if you compare US dollar, you see various past political leaders of US. Why can’t we have other leaders on our currencies ??

Please let me know.

Thank you ,
Satyam Chawla


Amit January 28, 2015 at 2:53 PM

Hi Shiv, Manshu

Last week PM has launched ‘Sukanya Samridhi Yojana’. This is only for girl child. For current FY, its interest rate is 9.1%. It seems to be good scheme under debt category. Can you please write an article on it. you can cover its tax implications and whether it is better than PPF etc.



santonu February 3, 2015 at 1:29 PM

While announcing the OFS for CIL,Govt said that some part of CIL share will be sold through green shoe method. What is actually green shoe method


trevor February 14, 2015 at 11:59 AM

Being in the highest tax bracket, I’ve been trying to shift my investment from Bank Fixed Deposits to Fixed Maturity Plans which are more tax efficient.
I’ve noticed that most FMP’s don’t go thro’ & are called off. Why is this so?
In the last 2 months, BSL MF,Tata MF & Reliance MF have returned my money saying that they have been unable to raise the amount required to launch the FMP schemes.
Are there other avenues for Sr Citizens like us?


Ramamurthy February 16, 2015 at 7:23 AM

Invest in Debt Long Term Gilt Funds.Currently giving about 15 to 20% Returns.Market expects a lower interest regime in future.It it happens it is good for such funds.If you can hold them for 3 Years it is tax efficient too.


Nitin February 16, 2015 at 2:10 PM

I find your website very informative. Can you please spare some time to provide your view on mutual fund investment at this state? Some specific things I would look for:

– SIP or lump sum, MF names to invest.
– Outlook for debt MFs

Thank You!


anand February 24, 2015 at 2:15 PM

I invested last year in 1Yr FMP. The fund house sent me a letter asking my option to extend it for another 2 yrs. Is this because of favourable taxation of debt funds if held for 36months?I am told, that I may not get taxation benefit, if the FMP is extended in this manner till 3 yrs, because the original investment in FMP and later its extension will be under 2 different nos.Please clarify.


Deepak February 27, 2015 at 11:37 AM

Please write about how to “Earn real money online” … so that i could get the idea of how to start having ‘passive income streams’


Hemant Ladhe February 28, 2015 at 5:27 PM

Please explain regarding Sukanya Sammriddhi Plan, what is the treatment of tax on interest income for the girl child?


Rohit Chaudhari March 4, 2015 at 3:16 PM

Kindly cover an article about the new CAS report wherein Demat + MF consolidated information will be available for all the clients. This initiative is directed by SEBI to NSDL.


Sanjeev March 5, 2015 at 4:08 PM

Please do let us know your views/commments on SBI Nifty junior NFO.


Deep March 5, 2015 at 8:26 PM

Shiv Kukreja-ji: I find information in One Mint balanced and actionable. Can you please write about investment in forex market. Thanks. Deep


Sunand Sandurkar March 7, 2015 at 8:41 PM


I am a US citizen residing permanently in India. I have an OCI card (Overseas Citizen of India). I have been living in India since the past 5 years and plan to continue.

Can you please advise on the investment avenues available for US citizens living in India with OCI? What type of investments are considered safe from the PFIC and FATCA laws of USA?


NRITK March 8, 2015 at 5:21 PM

Hi manshu,
Lot has been written and discussed for resident Indians but very less is been discussed about the Investment options for NRIs in and outside India.
There is adequate information is available for investment in India but nothing is precise for investment options for outside India.
For eg. what about the retirement corpus for the NRI who is not planning to come back to India? What are options for him to invest outside India.
I know you would like to target the majority of your followers but I understand that you are also keeping your eyes open across the world so thought might be good if you can also target small but promising fans of your blogs.

Thanks for consideration and look forward something for NRIs.

Best Regards,


SELVA UMA March 9, 2015 at 1:27 PM

I need info abt PLI..
I ve an PLI in my native place…
monthly i m paying Rs.440..
Now I need to make the premium amount to be deducted from my Salary..
Is there any provision to do so?
ALso whether online facility is available to pay PLI?????????
Expecting ur reply soon.


Bharat Aher March 10, 2015 at 6:24 PM

Kindly cover FINANCIAL PLANNING for individual who got married and have a child.
Thanks in Advance.


Mohit Agrawal March 18, 2015 at 8:13 PM


I would love to know your views on investing in 401(k) in USA if a NRI plans to remain in USA short term like 5-7 years. Is it still worth it?
Because the tax you save and employee matching comes down to around 40% benefit. But when you cash out your 401k account when you leave for India you have to pay tax on that amount in USA at around 30% and then 10% is penalty. Is is really worth the hassle to invest in 401(k) in USA? or should I be investing that money in India


Vikash Jain March 25, 2015 at 9:38 AM

There are lots of Importers who run either a Proprietorship firm or a small company. It would be great if you can shed some light on options/products they have available to safeguard against currency fluctuations and how they can hedge their risk and lock in a fixed USD-INR rate for a longer term


Darshan More April 3, 2015 at 1:40 PM

Hi, Manshu.

I would like you to post an article on new provisions in NPS in finanical budget 2015-16. Is is advisable to choose NPS over PF contribution at my age, i.e., 36. Also, is it necessary to invest in NPS quota of 1,50,000 for tax saving to be eligible for additional tax exemption of Rs. 50,000 under section 80CCD (1B) as per new budget provisions?

Expecting an article covering 360 dg view of the scheme as per new budget provisions from you or Shiv…Thanks in advance


SB April 4, 2015 at 4:09 PM

Hi Shiv,

Can you post an article on equity arbitrage fund like Kotak equity arbitrage fund.



Sanjeev April 5, 2015 at 12:53 PM

Please let us your views/comments on forthcoming NCD issue of SREI Eqpt Finance Ltd…..and also about subscribing to GMR Infra Rights issue closing on 08 April 2015.


siva April 10, 2015 at 9:48 AM

define mudra bank


AR April 26, 2015 at 9:18 AM

Hi Manshu,
Didn’t come across any article about MF Utilities Platform and Common Account Number (CAN) that has been started by AMFI.

To summarize, it’s an initiative by Indian Mutual Fund Industry to allow people to see consolidated view of their investment in ALL the Mutual Funds online and invest in DIRECT plans of any MF without separately creating online account with each one of the AMCs.

CAN is a single point of contact with MF industry. Once CAN is created, and for example. if you add a nominee or change your address – it flows down to ALL your Folios with any of the AMCs.

It’s all free as it’s run by Mutual Fund industry . You can read FAQs on mfuindia(dot)com. It’s just launched so not all MF transactions are online as of now – not sure though.


SANTONU May 7, 2015 at 9:58 PM

Please write about the viability of Pradhan Mantri Surksha Bima Yojana in the long run


Shiv Kukreja May 10, 2015 at 1:18 AM
Shiv Kukreja May 10, 2015 at 1:19 AM

Please let me know if you think there is anything missing in these two posts.


s_shrenik May 15, 2015 at 2:58 PM

Dear sir, An HUF receives a sum of Rs.425000/- in the beginning of this financial year, of 30 yrs. old litigation this year through cheque as settlement amount through court. The basic amount was been shown since 30 yrs. Rs.115000/-in HUF Balance sheet (assets side) in the name of the party. Since 30 yrs. no provision of interest was made on that litigation amount. What would be the tax implications for that as that HUF income is only interest income about 80000/- annually from other sources.. Kindly suggest ways to save income tax . Are there any investment plans to save the entire amount from taxation. kindly guide me.


Rajeshwar Bondade May 19, 2015 at 6:31 PM

Hi ,

Currently we see Mr.Modi ,having all the foreign tours.What has been the real impact of his recent tours ,like the signed pacts between the countries and what have we officially as Indian, gained.Any thoughts ?

P.S I am just an IT developer :)


Bipin Naravane June 6, 2015 at 8:16 PM

what is the IRR for Atal Pension Yojna ?


Shiv Kukreja June 7, 2015 at 12:56 PM
santonu June 10, 2015 at 7:43 AM

I heard that the accumulated amount will be paid to the nominee of the beneficiary in case the the later expires after the age of 60. Is such provision is available in other pension scheme


Kartavi June 10, 2015 at 10:35 PM

Can you please post something on ….Goldilocks Economy ?
Is Indian Economy is that ?
What has happened in past after this phase of economy ?


Satyam June 29, 2015 at 7:35 AM


Could you please let me understand the Greece crisis. How it is impacting the Indian markets.

Thank you,


Biswajit July 9, 2015 at 3:21 AM

I was going through a website called and it talks about the concept of online investment in real estate in India. The concept seems nice, but not sure about the reliability of the service and the process. Would you be able to write a review or analysis on this or any similar services?


Krunal July 14, 2015 at 6:35 AM

Hi Manshu and Shiv,

Can u guys talk on US interest rates and its data on inflation, unemployment, GDP (comparing it with India’s if possible) with some views of Fed chairwoman. And its impact on India (Indian markets and FIIs) if interest rates are hiked in coming months.



Sagar Diwan July 14, 2015 at 6:02 PM

Yes, this would be a great topic as well .. especially when there is one lobby in US with strong belief that FED will not raise rates and QE will continue. They predict the bubble will burst soon with dollar losing value in international markets leading to high inflation and surge in gold price
Source: Youtube channels of Mike Maloney, Peter Schiff , Jim Rickards and Ron Paul


Sagar Diwan July 14, 2015 at 5:47 PM

Tax free bonds in FY 2015-16 , impact on current tfb prices and does it make sense to book profits in 2013-14 bonds and get into new bonds for longer terms (20yr) ?


K Srinivasan July 15, 2015 at 12:43 AM

This is not an Answer … I have the same Q too -KS


Avantika Laxman July 15, 2015 at 9:55 AM

Request for Guest Blog

Hi Team,

I happened to stumble upon your blog while surfing and really liked the posts.

I am wondering if you’d be interested in a guest blog post about “5 Ways to Go Green and Save Money”. I have some ideas that I am sure will interest your readers. The post will be about 400-700 words.

Looking forward to hear from you.



santonu August 28, 2015 at 1:02 PM

Very surprised not to find anything about recent economic turmoil in China


Radhe Shyam August 29, 2015 at 11:03 PM

Can you please provide a detailed guide on the following:
1. How to transfer shares held in physical form? (w/o converting to demat)
2. How to fill up Form SH-4?
3. What is Franking?
4. Where to find “share transfer stamp” in Delhi for form SH-4?
5. How to transfer jointly held physical shares in the name of the first holder if the second holder is untraceable/missing?
6. How to claim dividend for physical shares for the past 20 years?


Ramakrishnan September 2, 2015 at 1:20 PM

Can a Bank lower FD rates on the already existing NRE FD that was opened between Mar’01 2014 and july’2014 citing reasons as “tp comply with RBI regulations”. Need suggestions as to how to proceed against the bank for breach of contract so that I can get compensation for the reduction of interest rate This was done by lakshmi Vilas bank for the already opened NRE FDs that was booked during 2014. The email sent by LVB is as follows
“We refer to your NRE deposit(s) opened with our branch listed over leaf, for which the branch had issued deposit receipt, wherein the rate of interest has been erroneously mentioned as # %. It has been noticed that the applicable rate of interest for the deposits as on the said date was $ % as per the following Regulatory instructions issued by RBI.
1. In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, and in modification of the directive issued by Reserve Bank of India vide their circular NO: DBOD.Dir.BC.70/13.03.00/2013-14 dated November 29, 2013 on Deregulation of Interest Rates on Non-Resident (External) Rupee (NRE) Deposits, the Reserve Bank of India having satisfied that it is necessary and expedient in the public interest to do so, has directed that instructions issued vide directive DBOD.Dir.BC.39/13.03.00/ 2013-14 dated August 14, 2013 will continue till February 28, 2014. With effect from March 1, 2014, the interest rate ceiling will revert to the position prior to August 14, 2013, i.e. interest rates offered by banks on NRE deposits cannot be higher than those offered by them on comparable domestic rupee deposits.
2. In terms of the said regulatory instructions, the maximum interest rate applicable on your deposit(s) shall not exceed $%. While expressing our deep regret for the inadvertent error caused in compliance with the said RBI directives, we are compelled to modify the interest from # % to $ % for the said deposits till the date of maturity.
[#-ROI erroneously printed in the TD receipt issued and $ the applicable ROI-Refer overleaf]
3. Accordingly the revised Maturity Value in respect of DCD (Cumulative deposit) is mentioned over leaf, which will be paid at the time of maturity.
4. In respect of fixed deposits with periodical interest pay out option, the already paid excess interest will be adjusted in the ensuing periodical interest pay out, the details of which have been mentioned overleaf.
In the above backdrop, we have made changes in our system to ensure the interest rates offered to you are in conformity with RBI guidelines.

While once again expressing our deep regrets for the inconvenience caused to you in the matter, we hope that you would appreciate the regulatory compulsion for the bank to effect the above modification in the rate of interest. To facilitate the bank to effect necessary corrections in the deposit receipt/s held by you, we request you to tender the said receipt/s at the branch for effecting necessary corrections. If for any reasons, the deposit receipts are not tendered for making necessary corrections, the deposit/s will be continued till the contracted date of maturity with a revised rate of interest at $ . We request you to continue your patronage and support.

In case you need further details pls contact the Branch.”


Kiran September 20, 2015 at 4:54 PM

Dear Sir,

can you please advise me if there is any MF/fund which offers fixed interest higher than our bank deposits?



JODY LEROUX October 15, 2015 at 8:06 AM

Informative comments , I loved the information – Does anyone know where I could possibly find a template 2012 AF IMT 1206 copy to use ?


Jinit Shah October 23, 2015 at 11:22 AM


Please share insights on Indigo Airlines IPO.

Jinit Shah.


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