Vineeth

@Riddh4 @DealsDhamaka @vini546 @yskanth Yes i completed around 20 months out of 60 months

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth Depends on tenure and how many months already paid. If you already gone past 12 months EMI then you might have already paid 40 to 50% of actual interest. So do that math and take decision.

I have an exisiting personal loan with outstanding principal amount of ₹15,00,000. Should i clear that loan with existing investments(Mutual funds) or continue repaying the loan. Pls advise @DealsDhamaka @vini546 @yskanth

What a stunning show at Dharamshala. Loved it 👌🏻😍 #RCBvsGT #IPL2026 #Qualifier1 @RCBTweets @gujarat_titans @IPL @BCCI

@imAbhishek9596 @vini546 @DealsDhamaka @yskanth Home loan should be fine if roi is less. Ideally home loan roi would be around 7-8% that should be okay. If income permits try to pay one or two additional EMI’s every year apart from regular monthly installments.

@vini546 @Vineeth_Babloo @DealsDhamaka @yskanth If loan is home loan then?

@jnaresh1985 @DealsDhamaka @vini546 @yskanth Couldn’t agree more. Absolute returns are 16% and Xirr is 9% as of today for my portfolio

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth If you want to defer closing your loan,then your 15L investment should be able to generate atleast 15% ROI to see good profits. since your personal loan intrest would be around 11% . I dont think even mutual funds are giving 15% returns in current times. Better to clear the loan.

@InvestingTFD @DealsDhamaka @vini546 @yskanth Took it two years ago while mf sip was going in parallel. But at that time sip amount was half of what it’s today.

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth Interesting. Did you take this PL before you made a decent corpus? Or Took it while mutual funds were still there?

@GV999999 @DealsDhamaka @vini546 @yskanth No bro i’m never going to do F&O. I don’t believe in easy money. F&O is not my cup of tea.

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth If you have 15L in MF or in any asset, redeem & clear PL. Loans are unnecessary pain. Other option to work with some guide who can help you to make extra income via FnO to clear your loan outstanding & get your investment back

@eyNIKHIL @DealsDhamaka @vini546 @yskanth Makes sense. Thank you

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth There is one strategy. You can gift shares to immediate non-spouse adult family (parents/ elder siblings) through CDSL/NDSL off market transfer. Now you both can claim 1.25 lacs LTCG limits. You your gains are more, more such demats should work. Consult CA.

@jpjaypatel0024 @DealsDhamaka @vini546 @yskanth Home loan is not a bad loan IMO bro. 7.45% is decent roi but try to pay one or two additional emi’s every year apart from regular monthly installments. Also if i can ask loan is from which bank ? Even i too have home loan but i’m paying 8% roi

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth What if it was a Home loan, I have a home loan with 7.45% rate? Outstanding amoung 43 lakh, jist started the loan last year and I am 30 years old

@MoneyBuddy_ @DealsDhamaka @vini546 @yskanth Thanks for your inputs. Will count this in

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth Just stop over optimising your decisions. Don’t try to take exemptions on LTCG, rather just focus on closing the personal loan. Because the delay on closing personal loan is more costly than paying 12.5% tax on LTCG that too over 1.25 lakh.

@eyNIKHIL @DealsDhamaka @vini546 @yskanth I completely agree with you. LTCG gains are more than 1.25L, is there any other way to get tax exemption on remaining gains ?

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth If I'm in your place, I would prioritize closing PL first. Your loan interest is at 11%, its very difficult to beat those interests from MFs considering the current market uncertainty. If ur MFs profit is <1.25Lacs and under LTCG, then its a no brainer to close PL.

@MoneyBuddy_ @DealsDhamaka @vini546 @yskanth Tbh that’s a wise decision according to me as well but somehow got into Personal loan trap and couldn’t come out of it. Even to close now i’m in fomo. Also how can i get tax exemption if my ltcg gains are more than 1.25L

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth I always prefer ending debt over any kind of investing.

@vini546 Today’s Xirr is 9.77%. Better compared to last few months.

Let’s come back to our core topic. How’s your mutual fund portfolio doing. ?

@heynoobie @DealsDhamaka @vini546 @yskanth Completely agree. That’s one of the main reasons i’m unable to decide

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth The diff is once you withdraw sip ,you loose the compounding benifit

@Madhuramaryan @DealsDhamaka @vini546 @yskanth I second you hence the confusion

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth No one can predict markets.

What’s the ideal home loan roi these days if cibil is good(775+) ? And how can one transfer loan from nbfc to public sector or private banks like ICICI or HDFC?

@DealsDhamaka @satish0782 @vini546 @yskanth Wow. Good to know that bro. I just wish to be successful in my investment journey like you do. Ik the amount i invest is very less but gradually i want it to increase over the years.

@Vineeth_Babloo @satish0782 @vini546 @yskanth Thank you much ! Another trivia. Not only my name is Vineeth, my nickname is Babloo too ! :)

@heynoobie @DealsDhamaka @vini546 @yskanth I’m already investing through sip but incase if I’m closing personal loan by withdrawing amount from mf i would be routing personal loan EMI amount also to SIP’s

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth Don't stop sip entirely, but save some amount in an liquid funds every month and close the loan when it reaches

@muneerbasha38 @DealsDhamaka @vini546 @yskanth Not till now sadly. My active xirr is hopping between 8-9% lately. It’s not even near to loan roi which is 11%.

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth If you are able to generate some actual profits more than the ROI you are paying it is ok to continue the loan the moment you find it is not helpful or not generating desired returns, better clear it and get rid off

@DealsDhamaka @satish0782 @vini546 @yskanth Thanks for your inputs bro. Btw you played an important role in my investment journey. I follow your tweets on regular basis. Keep spreading knowledge

@Vineeth_Babloo @satish0782 @vini546 @yskanth Hope is not a strategy Vineeth. If I were in your shoes, I would focus on closing the personal loan before investing. 11% is a big number, you will need your investments to make 14-15% to beat the 11% + taxes you pay on returns.

@Madhuramaryan @DealsDhamaka @vini546 @yskanth SIP is already in progress bro. My question is what if markets are doing well from now and gives me good returns by yearend

@Vineeth_Babloo @DealsDhamaka @vini546 @yskanth If Indian markets stays in range bound for couple of years are more then it will he huge burden to you. Past returns does not guarantee future returns. Pay the Loan. Start sip if you want to with monthly savings