At the age of 25 year one should focus more on upskilling not on investing more. Invest more in upskilling first and try to increase your salary level. After age 30 yrs only one should focus more of investing. And remember money is made for your living good life. its not like one should chase for any number and live as frugal lifestyle.
I am impressed with your update with these stocks, I am looking for tax efficient way to rebalance my $800k portfolio without triggering capital gain tax. what asset location strategies should i use?
The best strategy depends on your financial situation, account types, tax bracket, and investment goals. Consult a financial advisor or tax professional to tailor these strategies for maximum tax efficiency.
My advisor helped me rebalance my $2M portfolio without triggering capital gains taxes by using tax-advantaged accounts and reallocating dividends and new contributions. They also recommended tax-loss harvesting and strategies to stay within my tax bracket. Thanks to their guidance, I maintained my desired asset allocation while minimizing taxes.
I work with the popular Sophia Nadene Morgan, Who happens to be a is a hot topic among financial elitist in NYC. All the information you need to set up an appointment is on her web page.
Increasing tax payers will only help if you are still investing in 80C. If you are investing in equity then best way is create a trust or LLP and add your family members as directors and pay a monthly non taxable sum.
They are forbidden to ask them Modi ne bola ta, 'koi hotel wala tumhe kitchen nhi dikayega' Dhoni was asked a question 'what is his secret of successful captaincy' he replied, 'if i tell that CSK won't be needing me in the next IPL' I hope its clear now
We're at a time where people do not want to even reveal their Salary figure to others. This guy has told his journey right from his modest upbringing to till today's Job. What a genuine guest. The host could've asked more about diversification aspects of investment. Anyway Thanks for the interview.
Am man earning 1 cr annually has saved 4 cr corpus in his lifetime - is same as man earning 5 lakhs annually saved 20 lakhs corpus. Sorry bt Meaningless interview.
Exactly!!! Kaun sa tir mar liya. These podcasts are useless. Because the bottom line of every big corpus is to have a high primary income source, managing the expense smartly and investing for a longer period of time patiently. Ei koi rocket science Nehi hain. In log scientist bhi Nehi hain. Chaye khane ke liye chaye ki patti joruri hain. Or Corpus banane ke liye primary income high ho na joruri hain
You are saying we can increase the number of tax paying entities in the family. However, the IT dept can add the family income under your name and say it as clubbing of income. and tax it as per your tax slab
he must be getting some stock option from his company which is making his salary to touch 1 CR , in city like Pune to get 1 cr as fixed salary is not possible.
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.
I stopped listening and taking financial advise from these TH-camrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I lost my interest from the point he mentioned his investment in Money- Back scheme for his daughter. Any financially sound person wouldn't ever suggest in investing in Insurance period.
Earning 1 Cr and total work life 14 years, gone 30X in 14 years but portfolio only 5 Cr. Not too good to interview. Aaps mai hi ek doosre ka interview kerte raho, koi kaayede ka banda to घास भी नही डालेगा
Based on his salary, He is under invested. Somewhere his story doesn't add up. If he is investing 70 out of his 100., then 2lakh per month is not 70% of 1cr - Incometax and then divide by 12 months. There are some mismatches in his numbers
can you suggest me your opinion between Motilal Oswal midcap fund vs Edelweiss mid cap fund .. Planing to add one fund in my portfolio.. what should I add
Hi sir plz review my portfolio. Icici Elss-1500, Aditiya birls PSU-1700, JM FLEXI-1400, motilal oswal midcap-1500, quant small cap-1300, tata small cap-1200, uti nifty 200 momentum 30-1000 for 15 to 20 years
It makes sense to move closer to the office in a rented apartment, but I am wondering how does it affect children. Since they will have to get adjusted to new env, new friends in the community, new school, etc.
Ya bhai US ki salary bol raha hai per month 2. Lacs, idr toh YTD hota hai sirji. Phir toh SIP hona hai he itna , kuch bhi interview questions hai madam strategy toh pucha he nahi aapne
Covid was one of the most unique time and once in a life time. So those who switched jobs made money. Now the tech industry is tough in US as well as other counties
High tax....high education cost....high property rate....high expenses on Medical....how to build corpus....no one will help to innocent investors.... innocent investors get loss only....if you can suggest strategy and help innocent investors....it will be helpful....
Hi, Thank you for watching the video! We understand your frustration, however, due to regulations, we're unable to disclose specific fund names. That said, we have plenty of informational content that can guide you. Feel free to reach out with any questions! - Team INDmoney
He claims to invest 70%, which is 2 Lakhs per month in SIP, meaning his take-home is around 3 Lakhs. With a salary close to 1 crore, it should be more than 4.5 Lakhs. It doesn't seem logical.
Didn't watch the video, just saw the thumbnail and straight away comment section. So pardon me for misunderstanding the thumbnail. The guy knows what's he doing its a no brainer if you buy own residence in tier 1 cities if you are a migrant and probably move to your origin place after retirement. Everyone's can't relate to above scenario. Not enjoying(it doesn't mean you waste money on bad things) present and saving a bit more for future is of no use in my view. What will you do with that extra money when you are 70 or 80 book a luxurious room in hospital?
There were no followup questions on strategies he mentioned. Also questions were thrown randomly and that close knitted conversation was not maintained. Interviewer should be smart enough to discuss on secrets the interviewee bought out.
Oh man this guy is coming on every other podcast now. Wint, indmoney & even The tenant on moneycontrol. So he is definitely coming with either a course or a channel 😂
4:29 60 lakh per month salary and 1.25 lakh savings per month..wah! Another proof that these videos are useless. Interviewer blindly nodding head and editors and directors ignoring mistakes!
Jiski salary itni high usne agar financial freedom achieve nahi kiya to usse bada chu kaun hoga .. ar isme achieve kar liya to kn sa bada kaam kar liya .. itni salary me to koi bhi kar lega.. nothing inspiring in this interview .. it's just a showpiece
Kya fek raha hai. Bolta hai mein 70% invest karta hu. 1cr ka package hai aur 2lakh ki SIP kar raha hai matlab 24L sip kar raha hai Aur sip bhi 2010 se kar raha hai. All video misguiding.
As per him, 70% goes into investment, with 1cr package post tax 70L. There shouldn't be around 5L per month of investment instead 2L as quoted. Something not correct here 😊
Pehle samjh toh lo ki kaise kaam karta h ..... 1 CR means 30% tax on 80L which is 24L and 20 % tax on initial taxable 10L which is another 2L ... So 1 cr m se 26L only for tax After that PF after that health insurance also we don't even know if there is a variable component
If he chooses new tax regime and as per pre budget slab rates Out of 1 crore , one need not to pay any tax on first 300000 Now the amount remaining is 9700000 On next 3 lacs tax will be charged @ 5 percnet Which comes out 15000 Out of rest 9400000 another next 3 lacs will be taxed as per next slab And entire income is not taxable
If the distance is more than 50km (btw offc and owned house) then u can claim. Generally this works in NCR. If the case is selected for scrutiny AO can reject ur claim if u are claiming both and don’t have legitimate reasons to justify
Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.
I don't think the Fed actions will cause collapse, but I do know abrupt and irreversible climate change certainly can. And it's already begun. And not to add to your misery fear, but the impacts are accelerating and will get worse.
Consider shifting from real estate to stocks during severe recessions. While market volatility presents short-term trading opportunities, it's crucial to approach with caution. This isn't financial advice, but investing during such times may be a strategic move, consider adopting the services of a financial expert.
Consider shifting from real estate to stocks during severe recessions. While market volatility presents short-term trading opportunities, it's crucial to approach with caution. This isn't financial advice, but investing during such times may be a strategic move, consider adopting the services of a financial expert.
“Stacy Lynn Staples ” is the licensed adviser I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Poor interview. You should ask him his strategy, where and how much he invested. Almost 90% question u asked are useless.
Bro thanks for saving my 19.03 mins❤
🤣🤣🤣🤣🤣🤣🤣
Investing strategy har logo ke liye alag alag hai..... Copy karoge toh wealth nahi bana paoge
Shandar
mf mai kya strategy hogi…just do sip across the market
At the age of 25 year one should focus more on upskilling not on investing more. Invest more in upskilling first and try to increase your salary level. After age 30 yrs only one should focus more of investing. And remember money is made for your living good life. its not like one should chase for any number and live as frugal lifestyle.
you loose 5 years of your time in market ....you could do both at same time at 25
I didn’t say not to start investing at age 25 but more focus should be on investing money to increasing skills to reach at higher level.
@@awesomekj5812 - you barely have any money at the time.
@@ajeetgupta2229very true, you need to be very financially strong for investing it's not easy for middle class to invest. They hardly earn 25k pm
Absolutely correct 👍
I am impressed with your update with these stocks, I am looking for tax efficient way to rebalance my $800k portfolio without triggering capital gain tax. what asset location strategies should i use?
The best strategy depends on your financial situation, account types, tax bracket, and investment goals. Consult a financial advisor or tax professional to tailor these strategies for maximum tax efficiency.
My advisor helped me rebalance my $2M portfolio without triggering capital gains taxes by using tax-advantaged accounts and reallocating dividends and new contributions. They also recommended tax-loss harvesting and strategies to stay within my tax bracket. Thanks to their guidance, I maintained my desired asset allocation while minimizing taxes.
Hey friend, can I work with your Fiduciary?
I work with the popular Sophia Nadene Morgan, Who happens to be a is a hot topic among financial elitist in NYC. All the information you need to set up an appointment is on her web page.
I’ve just looked up her full name on my browser and found her webpage, very much appreciate this!
Increasing tax payers will only help if you are still investing in 80C. If you are investing in equity then best way is create a trust or LLP and add your family members as directors and pay a monthly non taxable sum.
If you mean HUF then ok, if not please read indian tax code carefully.
What about clubbing of income. You need to be sure of these before coming on TV and asking people to invest in the family’s name
Mam you are not asking the right questions, please check with sharvan and wint wealth how they ask questions related to finance and assets allocation
Sharvan??? Do you mean Sharan...that annoying fool
They are forbidden to ask them
Modi ne bola ta, 'koi hotel wala tumhe kitchen nhi dikayega'
Dhoni was asked a question 'what is his secret of successful captaincy' he replied, 'if i tell that CSK won't be needing me in the next IPL'
I hope its clear now
Nothing special,
th-cam.com/video/Nsg6PjBaE_A/w-d-xo.htmlfeature=shared
Wint
We're at a time where people do not want to even reveal their Salary figure to others. This guy has told his journey right from his modest upbringing to till today's Job. What a genuine guest. The host could've asked more about diversification aspects of investment. Anyway Thanks for the interview.
freedom is much important than lifestyle.👍
Am man earning 1 cr annually has saved 4 cr corpus in his lifetime - is same as man earning 5 lakhs annually saved 20 lakhs corpus.
Sorry bt Meaningless interview.
I totally agree after 14 years of experience and earning big numbers, his corpus is too low for that. Stupid Interview
Exactly!!! Kaun sa tir mar liya. These podcasts are useless. Because the bottom line of every big corpus is to have a high primary income source, managing the expense smartly and investing for a longer period of time patiently. Ei koi rocket science Nehi hain. In log scientist bhi Nehi hain. Chaye khane ke liye chaye ki patti joruri hain. Or Corpus banane ke liye primary income high ho na joruri hain
2lakh per month sip for 14 years and corpus only 5cr...he is getting less than 8 percnt...whats the point in this....😢
Exactly
You are saying we can increase the number of tax paying entities in the family. However, the IT dept can add the family income under your name and say it as clubbing of income. and tax it as per your tax slab
Exactly
clubbing of income
he must be getting some stock option from his company which is making his salary to touch 1 CR , in city like Pune to get 1 cr as fixed salary is not possible.
Mai bhi vahi soch raha . Bhai TCS k baad aisa kya jump mara isne 1 cr
Bro he has 14 years of exp. 1 crore base is very common at this experience
he works in snowflake, he has RSUs
@@Its.abhi.. it's not common
@@mohammedghouse9088 apko kIse pata ? Does he mentioned in interview?
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.
I stopped listening and taking financial advise from these TH-camrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
I lost my interest from the point he mentioned his investment in Money- Back scheme for his daughter. Any financially sound person wouldn't ever suggest in investing in Insurance period.
Which skillset helped him tojump 3x salary?
Earning 1 Cr and total work life 14 years, gone 30X in 14 years but portfolio only 5 Cr. Not too good to interview.
Aaps mai hi ek doosre ka interview kerte raho, koi kaayede ka banda to घास भी नही डालेगा
Very Eye-opener.. Big Thanks Sir
Very interesting & inspiring for the youngsters in particular.
I just want to say, this is one of the best, smartest, interesting, and sweetest podcasts I have ever watched. Thanks a lot. It is superb.
Based on his salary, He is under invested. Somewhere his story doesn't add up. If he is investing 70 out of his 100., then 2lakh per month is not 70% of 1cr - Incometax and then divide by 12 months. There are some mismatches in his numbers
Paisa pachaane k liye jigar chahiye... Har koi paisa nahi pachaa sakta... Jo pachaa sakta hai wohi wealthy banta hai
can you suggest me your opinion between Motilal Oswal midcap fund vs Edelweiss mid cap fund .. Planing to add one fund in my portfolio.. what should I add
Bahut hi shandar video tha ❤❤
Is there a point having a pan card for kids? All the income will still be taxable in your name, right?
No I guess because the sip will be withdrawn only after the kids turn 18, so it's basically the tax slab of the kids.
Great going...nice video!
Minor ka demat kul sakta hai kya. Maine abtak suna ki 18 sal nahi hone tak nahi kul sakta. Please koi bataye🙏
Khul skta hai sir.. Only thing ki aap stock buy kar skte ho sell nahi.. and minor ka guardian manage karenge sab kuch
Mam ind money does not have any customer care number
Please do that in order to increase your customer base
4:29 is a mistake, his salary cannot be 60 lakhs / month
Per annum, it would have been 90000 to 100000 dollars
YOU Are Correct
Mera abhi salary 18k hai, mere liye to yeh video nahi hai
Most important thing was mentioned at @14.30
Hi sir plz review my portfolio. Icici Elss-1500, Aditiya birls PSU-1700, JM FLEXI-1400, motilal oswal midcap-1500, quant small cap-1300, tata small cap-1200, uti nifty 200 momentum 30-1000 for 15 to 20 years
Will be starting from dec ,, duration 10-15 years
Great honest y. God bless you
Income from rent is taxable unless you receive it via cash and do not file in itr
3:30 bhai log sir ki salary hai 1CR mat dekho yaar Bhai 😂 yeh pehle se hi rich hai
Our soch Rent se rehne wali 😂😂😂 gazab Gazab Gazab 😂
It makes sense to move closer to the office in a rented apartment, but I am wondering how does it affect children. Since they will have to get adjusted to new env, new friends in the community, new school, etc.
Ya bhai US ki salary bol raha hai per month 2. Lacs, idr toh YTD hota hai sirji.
Phir toh SIP hona hai he itna , kuch bhi interview questions hai madam strategy toh pucha he nahi aapne
He was about to tell how SIP helps in saving taxes but you interrupted him and moved to another topic.
below 18 years how can u start a sip for ur daughter name or open a demat account
Your questions are not connected
Bring a good interviewer Ind Money..She was just throwing questions...
There videos are like that they have cut it out
In 2010 his salary is 22000 and in 2024 he is saying 1cr 😂 of I m right @3.29
12.43...great question
Sir , what is this on the indmoney instantly unlock free balance, please tell me a bit
Covid was one of the most unique time and once in a life time. So those who switched jobs made money. Now the tech industry is tough in US as well as other counties
At age 32 touched 1 crore corpus and now at age 36 Mr. Rahul has 5 crore corpus. How?🤔
Corona
High tax....high education cost....high property rate....high expenses on Medical....how to build corpus....no one will help to innocent investors.... innocent investors get loss only....if you can suggest strategy and help innocent investors....it will be helpful....
The gentleman has spoken a lot without saying anything of note. SIP in what? How much in each scheme? Not a word.😢
Hi,
Thank you for watching the video! We understand your frustration, however, due to regulations, we're unable to disclose specific fund names. That said, we have plenty of informational content that can guide you.
Feel free to reach out with any questions!
- Team INDmoney
She is not asking value added questions, she should have asked sip strategy
I love his mindset, i have exactly same mindset.
Nice
wrong information at 4:29 (60 Lac per month) it should be 60 L annual.
He claims to invest 70%, which is 2 Lakhs per month in SIP, meaning his take-home is around 3 Lakhs. With a salary close to 1 crore, it should be more than 4.5 Lakhs. It doesn't seem logical.
Bhai ye jhoot bol raha hai 😂😂to
ये सब झूठ बोलते है, इनके लिए भी कानून बना के लाल कर देनी चाहिए
Didn't watch the video, just saw the thumbnail and straight away comment section. So pardon me for misunderstanding the thumbnail.
The guy knows what's he doing its a no brainer if you buy own residence in tier 1 cities if you are a migrant and probably move to your origin place after retirement.
Everyone's can't relate to above scenario.
Not enjoying(it doesn't mean you waste money on bad things) present and saving a bit more for future is of no use in my view. What will you do with that extra money when you are 70 or 80 book a luxurious room in hospital?
10000 me aisa 1 hota hai wahi dekhte hai ye sab baaki 9999 ka nahi batate hai . Invest only on own strategy
There were no followup questions on strategies he mentioned. Also questions were thrown randomly and that close knitted conversation was not maintained. Interviewer should be smart enough to discuss on secrets the interviewee bought out.
Oh man this guy is coming on every other podcast now. Wint, indmoney & even The tenant on moneycontrol.
So he is definitely coming with either a course or a channel 😂
or maybe with a product; maybe launches his new startup within few months
Need to get new video editor ... Bgm is louder that voice in biggining
lOVELY PODCAST
4:29 60 lakh per month salary and 1.25 lakh savings per month..wah! Another proof that these videos are useless. Interviewer blindly nodding head and editors and directors ignoring mistakes!
60 lakh wala 😂😂😂
Poor bro didn't know about clubbing of income
India me kon si tech company 1 cr deti hai bhai .
The income generated against gifted money to wife comes under income tax clubbing where husband still needs to pay the same tax.
You can give the money to family members as a gift. Make a gift deed. Any interest earned from gift paid, is tax free in the hand of gifter.
Atleast add subtitles na
Money back scheme?
Jiski salary itni high usne agar financial freedom achieve nahi kiya to usse bada chu kaun hoga .. ar isme achieve kar liya to kn sa bada kaam kar liya .. itni salary me to koi bhi kar lega.. nothing inspiring in this interview .. it's just a showpiece
Kya fek raha hai. Bolta hai mein 70% invest karta hu. 1cr ka package hai aur 2lakh ki SIP kar raha hai matlab 24L sip kar raha hai Aur sip bhi 2010 se kar raha hai. All video misguiding.
Thank FM
You will now have to split it for no reason
Ind money mai withdraw thoda difficult hai😅
As per him, 70% goes into investment, with 1cr package post tax 70L.
There shouldn't be around 5L per month of investment instead 2L as quoted.
Something not correct here 😊
Just telling one or other thing to get views
Pehle samjh toh lo ki kaise kaam karta h .....
1 CR means 30% tax on 80L which is 24L and 20 % tax on initial taxable 10L which is another 2L ... So 1 cr m se 26L only for tax
After that PF after that health insurance also we don't even know if there is a variable component
@@subm2455
Tax is not charged at a flat rate of 30 percent
Kindly have some basic idea about income tax
It's charged slap wise
If he chooses new tax regime and as per pre budget slab rates
Out of 1 crore , one need not to pay any tax on first 300000
Now the amount remaining is 9700000
On next 3 lacs tax will be charged @ 5 percnet
Which comes out 15000
Out of rest 9400000 another next 3 lacs will be taxed as per next slab
And entire income is not taxable
Under age daughter ka pan card kaise bana wahi complete puchleti
Expected good amount of info but disappointed ! Worst questions set, Feels like just for name sake conducted the interview 🤐
Kya kya bda hai kya hi bolu…..sip corpus intrest rate bahut kuch hai 😂😂😂😂
Can't take HRA claim if you have/own a house!
You are wrong, you can take Claim even if you own house. I am claiming from 6 years
@@Animeshparab brother he is having same rented as well as owned property in same town!
I do bro
If the distance is more than 50km (btw offc and owned house) then u can claim. Generally this works in NCR. If the case is selected for scrutiny AO can reject ur claim if u are claiming both and don’t have legitimate reasons to justify
@@rajdandia4816 doesn’t matter
Anchor resembles Divya khosla kumar
Mera agar 3lac per annum hi lag jata to 2lach invest kar deta
1 CR ki salary leke koi bi 5 CR bana skta h.
Bhai ne show mei Aakar galti kar di..
2 saal me pan card kaise ban gaya
14:32 waaah spelling
One thing i observed with his body language story is fake 😂😂
What about income clubbing ???
Most is not true
Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.
I don't think the Fed actions will cause collapse, but I do know abrupt and irreversible climate change certainly can. And it's already begun. And not to add to your misery fear, but the impacts are accelerating and will get worse.
Consider shifting from real estate to stocks during severe recessions. While market volatility presents short-term trading opportunities, it's crucial to approach with caution. This isn't financial advice, but investing during such times may be a strategic move, consider adopting the services of a financial expert.
Consider shifting from real estate to stocks during severe recessions. While market volatility presents short-term trading opportunities, it's crucial to approach with caution. This isn't financial advice, but investing during such times may be a strategic move, consider adopting the services of a financial expert.
“Stacy Lynn Staples ” is the licensed adviser I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
There host is dam preety but not good host.
1 crore salary ..5 saal aur kkae lo 3cr aur jud jaega
Faltu ka interview time waste..SIP kisme kiya kuch bi nahi pucha..
70 percent invest 💀
I do the same
He is 2010 passout but looks like a 50 year kid.
Dude purchased moneyback plan which shows his finacial awareness as these plans are shit
Do he know clubbing of income , i think No.
Waste of time....useless talks....mandatory questions r not asked.....all is planned..
To zindagi kya ghanta ji raha ho, khali saving, six saal ki purani car, ek new car lelo minimum 1cr ki
Scripted interviews
Isko ghanta finance ke bare me kuch pta hai...bol raha hai Bank ka money back plan best hai. Portfolio dikhao iska😂😂
😂😂 my sip is 5L per month
😂😂😂
Very poor interview
❤❤❤
Hi
He is lying 1 Cr 😂
sab majak chal raha h
Clubbing of income m tax dena hoga