Watch this till the end!! Watch out for this scam going around. You might get a call from someone claiming to be a police officer, saying they’re calling from the station. They’ll tell you either you’ve been in trouble or your family members are in custody. Then, they’ll say you need to pay up to set them free or avoid trouble. Don’t fall for it, it’s a scam! It’s crazy how these scams are becoming so common nowadays. I know many of you are already aware, but it happened to us, and I couldn’t stay silent. Let’s spread the word and protect each other from falling victim to these heartless fraudsters. Stay vigilant and stay safe! [scams, online scams, police scams, financial scams, financial security, Phone scam, CA sakchi jain, technologies scams, cyber security, fraud, Internet scams, fraud prevention] #Scams #OnlineScams #PoliceScams #FinancialScams #FinancialSecurity #PhoneScam #CASakchiJain #TechnologyScams #CyberSecurity #Fraud #InternetScams #FraudPrevention
Share this with someone who is having a tough time making a decision!! Looking back at all the decisions I made till now, I remember how scared I felt each time. Despite the fear and the challenges that came my way, every step was ultimately worth it. [Experience, learning, efforts, motivation, decision, tough time, CA Sakchi Jain] #casakchijain #learning #experience #efforts
From attending student conferences to becoming a speaker at International Conference, Kolkata, the journey has been amazing! Gracing the crowd of 4000 was surreal❤️🤍 With my buddies @ca.sakchijain @kushallodha548 @palanshivam
When I took a leap of faith and decided to leave my stable job to pursue content creation, I wasn’t sure how my parents would react. After I told them, they had some concerns, but my father supported me completely. He proudly shares my achievements with others and explains my work to anyone who doesn’t understand. His support has been constant. During my CA finals, whenever I felt anxious, he would cheer me up and even read my books out loud to help me study, even though he didn’t know the subject. He always finds ways to lift my spirits and make me laugh. His efforts and supportive nature have been a huge part of my success. He helps me be my BEST SELF. Happy Father’s Day to my incredible father and to all the supportive and loving dads out there!❤️ [Happy Father’s Day, Ca Sakchi Jain]
Don’t buy gold without watching this! When purchasing gold, the GST on the gold itself is 3%, and the GST on making charges is 5%. However, if making charges are included at the time of gold purchase, it is considered a composite supply, and the total GST applicable will be 3%. This means that the making charges will not attract an additional 5% GST when they are part of the gold purchase. If you are only giving your gold for repair or replacement, this scenario does not constitute a composite supply. In such cases, the making charges alone will be subject to a 5% GST. This distinction is essential because: 1. Composite Supply Definition: A composite supply involves two or more goods/services supplied together, where one is the principal supply. In the context of gold purchase, gold is the principal supply, and making charges are ancillary. 2. Tax Benefits: When making charges are part of the composite supply, you benefit from a lower GST rate (3% overall) compared to paying 5% on making charges separately. 3. Documentation: Ensure that the invoice clearly reflects whether the making charges are part of the composite supply or a separate service to avoid any confusion and incorrect GST application. 4. Clarity in Transactions: Always clarify with your jeweler whether the making charges are included in the total price of the gold or if they will be billed separately, as this will affect the GST you pay. 5. Repairs and Customization: For services like repairs or customizations where you provide the gold, a 5% GST on making charges is standard since it’s not a composite supply. Understanding these nuances can help you manage costs better and ensure compliance with GST regulations. [GST on gold, composite supply GST, gold making charges, GST rates gold, gold purchase GST, jewelry making GST, repair charges GST, gold tax rates, GST compliance gold, gold invoice GST, GST on repairs, composite supply tax, GST jewelry purchase, gold repair tax, CA Sakchi Jain] #gst #gold #makingcharges #gstratesgold #repairchargesgst #goldtax #gstcompliance #goldinvoice #gstonrepairs #compositesupply#casakchijain
Save for later!👇🏻 Here are some tips to help you travel frugally: 1. Start Saving for Your Trip 📍 Determine Your Savings Goal: Calculate how much you need to save each month to reach your travel budget goal. 📍 Cut Back on Non-Essential Expenses: Reduce daily expenditures, such as dining out less or skipping that daily coffee shop visit. 2. Plan Ahead and Be Flexible 📍 Domestic and international flights are often cheaper when booked months in advance. Use websites like MakeMyTrip, Cleartrip, or Yatra. 📍 Early Bird Discounts and Last-Minute Deals: Booking well in advance can help you snag discounts, but last-minute deals can also save you money if you’re flexible. 3. Find Budget Accommodation 📍 Homestays: Websites like Airbnb offer affordable homestays with a local touch. 4. Save on Flights 📍 Use Flight Comparison Sites: Websites like Skyscanner and Google Flights can help you find the best deals. 📍 Avoid baggage fees by packing light. 5. Use Public Transportation 📍 Indian Railways offers an extensive and affordable network. Buses are also a cheap way to travel. 6. Free and Cheap Activities 📍 Many have nominal entry fees, and some, like the National Museums, offer free entry on certain days. 📍 National parks, local parks, and hiking trails are often very affordable or free. 7. Avoid Roaming Charges 📍 Consider purchasing a local SIM card, using free Wi-Fi spots, or downloading offline maps and guides. 8. Mind Your Money 📍 Use bank cards that don’t charge foreign transaction fees, or use cards from banks that have widespread ATMs like SBI, ICICI, or HDFC. 📍 Track your expenses using apps like Walnut or Moneyview and stick to a daily budget. 9. Use Reward Points and Miles 📍Use travel rewards credit cards like HDFC Regalia, SBI Elite, or Axis Vistara to earn points for flights, hotels, and more. 📍Sign up for loyalty programs with airlines 10. Tools and Apps to Manage 📍 Splitwise: Perfect for group travel, this app simplifies splitting bills and expenses. 📍 Travel Planning Apps: Use Google Flights and Skyscanner for flights, Airbnb and Booking.com for accommodations.
Watch this before taking a education loan!! When choosing a student loan, it’s usually better to go with an Indian lender. This way, you avoid dealing with currency exchange and other issues. Indian lenders offer rates that are similar to US lenders. For example, a 15% interest rate in India is like a 10% rate in the US. Also to get the tax benefits under sec 80E, the loan must be from a recognized Indian institution. You can’t claim the deduction if the loan is from a foreign bank. And when you take a student loan in US dollars and then move back to India, changes in the exchange rate can make your loan more expensive to repay. For example, let’s say you took a loan of $50,000 when 1 USD was equal to ₹75. This means your loan was equivalent to ₹37,50,000 at that time. If you come back to India later and the exchange rate changes to 1 USD = ₹85, you will still owe $50,000, but now it’s equivalent to ₹42,50,000. So, you end up paying ₹5,00,000 more because the rupee has weakened. This is why taking a loan from an Indian lender can be easier, as you avoid the risk of exchange rates going up. [Indian student loans, Education loan benefits, Section 80E tax deduction, Indian lender advantages, Currency exchange risk, USD loan repayment, Foreign loan drawbacks, Education loan interest rates, Tax benefits education loan, Indian vs foreign loans, Rupee vs dollar loan, Student loan tax benefits, Overseas education loan, Loan exchange rate impact, Best student loan options, CA Sakchi Jain] #indianstudentloans #educationloanbenefits #section80e #indianlenderadvantages #currencyexchangerisk #usdloanrepayment #foreignloandrawbacks #educationloaninterestrates #taxbenefits #indianvsforeignloans #rupeevsdollarloan #studentloantaxbenefits #overseaseducationloan #loanexchangerate #beststudentloans #casakchijain
Are you also losing money? In this example, the interest rate has increased after three years of loan repayment. When the interest rate goes up, banks usually increase the tenure of the loan to shield borrowers from rising EMIs. But tenure extension has its own cost as you end up paying a lot of money towards interest payments. Now in a notification released on August 18,2023, RBI has asked lenders to provide borrowers the options to either increase the EMI or extend the loan tenure, or use both options together at the time of resetting interest rates on home loans. Source : ET- New RBI rules can help you save Rs 33lakh in interest in a Rs 50-lakh loan [Home loan rate hike, RBI loan options, Repayment strategies, EMI vs. tenure, Rising interest management, Borrower rate reset, Hike impact on repayment, RBI loan terms, Interest hike strategies, Loan repayment options, Home loan, Banking, Bank loans, Loan repayment, CA Sakchi Jain] #HomeLoan #InterestRate #RBI #LoanOptions #RepaymentStrategies #EMIvsTenure #InterestHike #BorrowerChoices #Banking #LoanManagement #FinanceTips #LoanRepayment #FinancialStrategy #casakchijain
Watch this till the end!! Want to get name changed on physical certificate? Do this 👇 Contact Registrar and Transfer Agent of Company in which you hold the certificate with following documents: 1. Physical Share Certificates 2. Death Certificate of the Deceased 3. PAN Card of the Successor 4. Transmission Request Form 5. Attested Signatures by Banker of the Successor 6. Proof of Address of the Successor 7. Any other document as required by the Company But how to find RTA of the Company? Go to Company Website 👉 Then Investor section 👉 There you can find RTA Contact and Address. But what if there is No Nominee registered in physical certificate? Then Additionally you need to submit a probate of the will or a succession certificate [physical share certificate, deceased person, share transfer, transmission of shared, dematerialisation of shares, shares in the name of deceased person, CA Sakchi Jain] #casakchijain #transmissionofshares #physicalshares #will #probate
Watch till the end!! Powers of Tax Authorities During a Raid 1. Enter and search any building or place if they believe hidden income, such as money, valuable items, or important documents, might be there. 2. Break locks if keys are not available. 3. Search a person if they suspect the person is hiding items related to undisclosed income. 4. Seize items like money, valuables, and important documents found during the search. 5. Mark and take copies of books, accounts, and other documents. 6. List and note down valuable items found during the search. The assets that the tax officers can seize: 1. Undeclared cash and jewelry. 2. Books of accounts, diaries, and financial documents. 3. Computer chips and other data storage devices. 4. Property documents and deeds. The assets that the tax officers cannot seize: 1. Business stock-in-trade (except cash). 2. Assets or cash already declared to the Income Tax and Wealth Tax Department. 3. Assets recorded in official books of account. 4. Cash with proper explanation. 5. Jewelry declared in a wealth tax return. 6. Gold up to 500 grams for each married woman, 250 grams for each unmarried woman, and 100 grams per male family member. [ Raid, Seizure, Assets, Search, Tax raid, Undeclared assets, Seized items, Income tax, Tax raid powers, Tax authority search, Assets seized tax, Tax raid rights, CA Sakchi Jain ] #taxraid #taxauthority #assetseizure #incometax #undisclosedincome #taxsearch #taxlaws #financialregulations #incometaxraid #taxcompliance #taxofficers #wealthtax #casakchijain
Don’t pay extra hospital bills! We often face long waits for cashless insurance clearances during hospital discharge, making an already tough situation even more stressful. But now, the IRDAI has stepped in to help. Here’s how: • Quick Discharge Mandate: Policyholders should not be kept waiting beyond three hours for discharge. If there is a delay beyond three hours, the insurer will cover the additional hospital charges. • Financial Relief: If the delay causes the patient to stay another day, the cost of that additional night’s stay will be borne by the insurer from the shareholder’s fund. • In Case of Death: If the policyholder passes away during treatment, the insurer must immediately process the claim request and ensure the body is released from the hospital without any delay. These new regulations promise to make the discharge process smoother and more compassionate for everyone involved. [insurance claim delays, hospital discharge issues, IRDAI regulations, health insurance processing, hospital stay costs, insurance claim settlement, discharge wait time, insurer responsibilities, hospital billing, policyholder rights, health insurance guidelines, patient discharge process, additional hospital charges, insurance company policies, CA Sakchi Jain] #InsuranceClaims #HospitalDischarge #IRDAIRegulations #HealthInsurance #HospitalStay #ClaimSettlement #DischargeProcess #PatientRights #HospitalBilling #InsurancePolicies #HealthcareReform #MedicalCoverage #InsuranceGuidelines #PatientCare #CASakchiJain
Invest directly in government securities!!💰 Do you know that now you can invest directly in Government Securities? The RBI has launched a new Retail Direct Mobile App just for you! With this app, you can easily buy central and state government bonds, as well as Treasury bills, all from the comfort of your home. You can open and manage your Retail Direct Gilt Account, participate in primary auctions, and trade in the secondary market, all in one place. Your investments are not only safe but also offer decent returns and capital protection. The payment process is also easy with internet banking or UPI, and the best part is, there are no fees for the various investor services. This app is a fantastic way to enhance your investment portfolio with government securities and secure your financial future. [RBI Retail Direct, Government Securities investment, Retail Direct Mobile App, Investing in G-Secs, RBI app for bonds, Retail investors government bonds, RBI Gilt Account, government securities trading, Indian retail investments, CA Sakchi Jain] #rbiretaildirect #governmentsecurities #investinginGSecs #rbibondsapp #retailinvestors #rbigiltaccount #securitiesmarket #financialinvestments #investmentstrategy #capitalprotection #financialsecurity #indianinvestors #bondtrading #secureinvestments #casakchijain
Lets help each other out!! Here are some Budgeting Rules to Live By: 1. Track every rupee: Know where your money goes by noting down every expense, big or small. 2. Set a budget: Allocate specific amounts for essentials like bills, groceries, and savings. 3. Save first, spend later: Prioritize saving a portion of your income before you start spending. 4. Mindful spending: Enjoy your luxuries, but keep them within limits. 5. Review regularly: Check your budget and expenses weekly to stay on track. Managing your money doesn’t mean cutting out all the fun. It’s about being aware of your expenses and making informed choices. Spend wisely, save diligently, and invest smartly. Follow me for more tips on mastering your money management! [Budgeting basics, Track your expenses, Financial planning tips, Money saving strategies, Personal finance advice, Smart spending habits, Budgeting rules, Saving money tips, Investment strategies, Financial literacy tips, Money management tips, How to budget effectively, Mindful spending tips, Financial discipline techniques, Weekly budget review, Setting financial goals, Saving for emergencies, Planning for the future, Managing personal finances, CA Sakchi Jain] #budgetingbasics #trackyourexpenses #financialplanning #moneysaving #personalfinance #smartspending #budgetingrules #savingtips #investmentstrategies #financialliteracy #moneymanagement #financialdiscipline #budgetreview #financialgoals #emergencysavings #futureplanning #manageyourmoney #casakchijain
You need to know this!! You might think you don’t need a personal health insurance if you have a corporate Group health insurance, but this might not always be true because once you leave the job that health insurance is gone. Yes, some companies do offer the policy of transferring your Group health insurance from one company to another but incase they don’t then the new policy would also have a waiting period of some days and in case you face any health issue during that time, you’ll have to pay for the expenses from your own packet. After retirement, in case you need a personal health insurance , buying a personal health insurance at that time will be very costly for you. Plus, personal health insurance is more customized to your needs, providing tailored coverage that suits you best. With personal health insurance, you have the flexibility to choose your doctors and hospitals, ensuring you receive the care you deserve. Additionally, personal health insurance often offers broader coverage options and additional benefits, such as wellness programs and preventive care services. So, while Group health insurance may seem convenient, investing in personal health insurance ensures you have comprehensive coverage and peace of mind for the long term. Corporate Health Insurance, Personal [Health Insurance, Group vs. Individual Insurance, Health Insurance Transfer, Employee Benefits, Insurance Portability, Comprehensive Coverage, Health Insurance Comparison, Customized Health Plans, Long-Term Insurance Benefits, CA Sakchi Jain] #corporatehealthinsurance #personalhealthinsurance #groupinsurance #individualinsurance #insuranceportability #employeebenefits #comprehensivecoverage #healthinsurancecomparison #customizedhealthplans #longterminsurance #casakchijain
Do you have your emergency fund? It’s crucial to have an emergency fund that covers at least 6 months of your expenses. This should include everything from: – Rent or mortgage payments – Utility payments (gas, electric, water, garbage) – Telecom payments (phone, cable, internet) – Insurance payments (car, health, home) – Transportation costs (car payment, gas, public transit) – Debt payments (credit cards and all loans except mortgage) – Grocery expenses For instance, if your monthly expenses total ₹1,00,000, aim to have ₹6,00,000 set aside for those unexpected financial emergencies. Keep 1-2 months of expenses (₹1,00,000 to ₹2,00,000) in a high-yield savings account and cash. This ensures immediate access when you need it most. For the remaining 4 months of expenses (₹4,00,000), consider short-term mutual funds or a fixed deposit (FD). FDs are a safer option, but always check for any premature withdrawal penalties. [Emergency Fund, Financial Safety, Wealth Protection, Savings Strategy, Emergency Savings, Budget Planning, Financial Security, Expense Management, Emergency Money, Savings Tips, Money Management, Financial Planning, Emergency Preparedness, Cash Reserve, Personal Finance, CA Sakchi Jain] #emergencyfunds #securefinances #wealthmanagement #savingtips #emergencyplanning #budgetingtips #financialwellness #manageexpenses #rainydayfund #savemoney #moneytips #financegoals #financialpreparedness #cashcushion #personalbudget #casakchijain
Here👇🏻 Do you want me to share a calculator for this? Considering refinancing your loan? Here’s a scenario to help you decide: Imagine you’ve been diligently paying off your home loan for a few years. Suddenly, you notice that other banks are offering lower interest rates than your current one. Should you switch? Here’s where some financial considerations come into play. 1. Assessing the Situation: Firstly, consider the interest rates offered by other banks. If they are significantly lower than what you’re currently paying, it might be worth exploring the option of refinancing. 2. Understanding Costs Involved: Remember, refinancing involves processing fees, typically ranging from 0.5% to 1% of your loan amount. Let’s say, for this example, we consider the processing fees to be ₹15,000. 3. Calculating Savings: To determine if refinancing makes financial sense, compare the potential interest savings with the processing fees and any penalties involved. If the savings outweigh the costs, it might be a wise move. 4. Timing Matters: Keep an eye on the market. Interest rates fluctuate, and there might come a time when switching to a lower rate becomes even more beneficial. By carefully considering these factors, you can determine if refinancing is the right move for you. It’s all about ensuring that the savings outweigh the costs in the long run. [home loan refinancing, switching banks for loan, refinancing calculator, lower interest rates, loan processing fees, assessing refinancing options, comparing loan offers, financial considerations refinancing, savings vs. costs refinancing, CA Sakchi Jain] #homeloanrefinancing #loancomparison #refinancingcalculator #savings #costs #bankswitching #interestrates #financialplanning #loancosts #loanassessment #casakchijain #explorepage #homeloan #transfer
Don’t take a insurance without watching this!! The Insurance Regulatory and Development Authority of India (IRDAI) has released a significant update to motor insurance policies, effective from June 11, 2024. Here are the key changes: 📍Quick Claim Settlements: Insurers are now required to settle motor insurance claims within a stricter timeline, ensuring faster payouts. 📍No Arbitrary Claim Rejections: The new rules specify clear grounds for claim acceptance or denial, reducing the chances of arbitrary rejections. 📍Pay As You Drive: Insurers must offer “Pay As You Drive” options, allowing policyholders to pay premiums based on their actual driving usage. 📍Revised Cancellation Policy: Updated guidelines for policy cancellation provide clearer and possibly more flexible terms. 📍Increased Transparency: Insurers need to provide detailed and transparent information about their policies and processes. 📍Digital Processes: There’s a push for digital policy issuance and claim processing to improve efficiency and customer experience. 📍Consumer Education: Insurers are expected to actively educate policyholders about these changes and their benefits. [Motor insurance update, IRDAI new rules, Quick claim settlements, No claim rejections, Pay as you drive, Insurance cancellation policy, Increased transparency insurance, Digital insurance processes, Consumer education insurance, Motor insurance policy 2024, IRDAI motor insurance, Depreciation coverage insurance, Insurance policy changes, Auto insurance updates, CA Sakchi Jain] #MotorInsuranceUpdate2024 #IRDAIRules #AutoInsuranceChanges #PayAsYouDrive #explorepage #casakchijain
Don’t let the bank scam you!!😱 Recently the Reserve Bank of India (RBI) has introduced immediate guidelines to ensure fairness and transparency in how banks charge interest. These measures address several unfair practices, including: 1. Charging interest from the loan sanction date rather than the actual disbursement date. 2. Charging interest for the entire month regardless of the actual loan period. 3. Collecting instalments in advance but charging interest on the full loan amount. The RBI has mandated that all regulated entities review and rectify these practices, ensuring interest is charged fairly and accurately. The RBI has also advised lenders to refund any excess interest collected and to use online transfers instead of cheques for disbursements. These steps are essential to protect customers and uphold transparent banking practices. [Fair Practices Code, RBI, Reserve Bank Of India, Loan Interest, Transparent Banking, Banking Regulations, Interest Rates, Loan Disbursement, Customer Protection, Financial Transparency, Banking Guidelines, Lender Practices, Interest Charges, Loan Policies, RBI Guidelines, Banks, Home loans, CA sakchi Jain] #FairPracticesCode #RBI #LoanInterest #TransparentBanking #BankingRegulations #CustomerProtection #FinancialTransparency #LoanDisbursement #BankingGuidelines #LenderPractices #banks #casakchijain
Get refund on cancellation of policy! Previously, if policyholders wanted to cancel their health insurance policy, they faced fixed refund percentages and often didn’t get their money back based on how much of the policy they used. For example, they would get back 75% of the premium if canceled within one month, 50% if within three months, and 25% if within six months after the free-look period ended. This often led to financial losses. Now, the Insurance Regulatory and Development Authority of India (IRDAI) has introduced new rules to make the process fairer: 1. Pro-Rata Refunds: Policyholders can now get a refund based on the unused portion of their premium. If the policy term is up to one year and no claims have been made, the insurer must refund the proportionate premium for the unexpired policy period. For example, if a policyholder paid Rs 10,000 for an annual health insurance policy and cancels it after six months without any claims, they will now get a Rs 5,000 refund. Previously, they would not have received any refund. 2. Refunds After a Year: When policies are canceled after a year, insurers must refund the premium for the unexpired policy period, provided the risk coverage for future policy years has not commenced. 3. Shorter Notice Period: The notice period for policy cancellation has been reduced from 15 days to just seven days, making the process quicker and easier for policyholders. 4. No Additional Fees: The circular does not mention any additional administrative fees or penalties for cancellation, simplifying the process and making it more favorable for policyholders. 5. Reduced Cancellation Charges: Cancellation charges on health insurance policies have been reduced, providing more flexibility and clarity to policyholders. [health insurance cancellation, pro-rata refund, flexible refund policy, insurance premium refund, health policy changes, IRDAI new rules, health insurance updates, fair refund structure, policyholder rights, CA Sakchi Jain] #healthinsurance #cancellation #prorata #refundpolicy #insurancepremiumrefund #healthpolicychanges #notice #irdai #healthinsurance #casakchijain
Watch this till the end!! Powers of Tax Authorities During a Raid 1. Enter and search any building or place if they believe hidden income, such as money, valuable items, or important documents, might be there. 2. Break locks if keys are not available. 3. Search a person if they suspect the person is hiding items related to undisclosed income. 4. Seize items like money, valuables, and important documents found during the search. 5. Mark and take copies of books, accounts, and other documents. 6. List and note down valuable items found during the search. The assets that the tax officers can seize: 1. Undeclared cash and jewelry. 2. Books of accounts, diaries, and financial documents. 3. Computer chips and other data storage devices. 4. Property documents and deeds. The assets that the tax officers cannot seize: 1. Business stock-in-trade (except cash). 2. Assets or cash already declared to the Income Tax and Wealth Tax Department. 3. Assets recorded in official books of account. 4. Cash with proper explanation. 5. Jewelry declared in a wealth tax return. 6. Gold up to 500 grams for each married woman, 250 grams for each unmarried woman, and 100 grams per male family member. [ Raid, Seizure, Assets, Search, Tax raid, Undeclared assets, Seized items, Income tax, Tax raid powers, Tax authority search, Assets seized tax, Tax raid rights, CA Sakchi Jain ] #taxraid #taxauthority #assetseizure #incometax #undisclosedincome #taxsearch #taxlaws #financialregulations #incometaxraid #taxcompliance #taxofficers #wealthtax #casakchijain
Afraid of dark and payment getting stuck? Switch to Amazon Pay, UPI payments ka smarter way! It scans in low light with torch feature and works with any and all QR codes, offers instant refunds*, 24×7 Customer care and rewards from top brands! @amazondotin #AmazonPay #PayKarneKaSmarterWay #ad #collab
What are your thoughts on this? Big changes might come for F&O traders! 🚨 The government is considering reclassifying F&O income as speculative, with a flat 30% tax rate. 📊 This aims to discourage retail participation due to the high risks, as many investors dive in without adequate research. Currently, F&O income is taxed as business income, allowing offsets against other business losses. The new proposal would limit offsets to other speculative activities like crypto. Additionally, TDS might be introduced for F&O trades, helping the government monitor trading more closely. 👀 Do you think this will reduce retail participation in the F&O market? 🧐 Let’s discuss in the comments! 💬👇 [Government of India, future option, trading, retail traders, tax, direct tax, speculative income, Business income, changes for F&O Traders, future and options, CA Sakchi Jain] #StockMarket #FuturesAndOptions #Investing #TaxChanges #RetailInvestors #FinancialPlanning #casakchijain
Don’t take a home loan without watching this!! If you’re planning to take a home loan, it’s crucial to first check whether you’re financially in a position to take that loan. You can do this by following the 20-30-40 rule: – 20-Year Tenure: Opt for a home loan tenure of 20 years. – 30% EMI Payments: Keep your EMI payments below 30% of your salary. – 40% Down Payment: Be prepared to make a down payment of 40% on the property. This rule helps you maintain financial stability while achieving your home ownership goals. However, the process of securing a home loan often involves a lot of paperwork and is a very tedious process, which can be overwhelming. Many people feel stuck in their current living situation, dreaming of a better home but dreading the hassle of the loan process. That’s where @lntfinance Complete Home Loan comes in. You can complete the process online, from application to disbursement, making it incredibly convenient and hassle-free. If buying a home is on your list, let L&T Finance make the journey smooth and stress-free for you. Visit LTFS.com to apply! #LTF #CompleteHomeLoan #KumNahiComplete #DigitizedProcess #quickloan #EasyLoan #HomeLoan #collab #ad
If you’re interested in business and entrepreneurship, I’ve found the perfect college for you! 🎓 Rishihood University is launching a 4-year makers undergraduate program that gives you a startup-ready vibe from Day 1. Click the link in my bio to learn more and use the code RUCSJ50 for a discount on the application fees. 🌟 [university, college, entrepreneurship, student, college life, CA Sakchi Jain] #Entrepreneurship #BusinessSchool #StartupLife #RishihoodUniversity #Innovation #StudyAbroad #MacBookAir #FutureLeaders #CollegeLife #InvestInYourFuture #casakchijain #ad #collab
