This is Day 9 of 10 Smart tips for your Mehnat ki Kamai! For more details, continue reading A. IDFC First Bank HPCL Power a.Joining fees – ₹ 499 GST. b.You get ₹ 500 cashback on 1st HPCL fuel transaction of ₹500 or above – [Validity: 31st March 2025] c.Reward Points – 30 Reward Points on every 150 spent on HPCL fuel station and groceries (Note: You can earn maximum 2400 RP on fuel per statement cycle and 400 RP on grocery) d.Reward redemption – 1 RP = ₹ 0.25, gets credited in card statement. e.Other benefits – Domestic lounge access, discount on movie ticket and complimentary roadside assistance (conditions applied). f.No fuel surcharge waiver B. BPCL SBI Octane Credit Card a.Joining fee, one time: Rs. 1499 GST b.You get 6000 bonus reward points equivalent to INR 1500 on payment of annual fees. c.Reward points – 25 RP on every 100 spent on BPCL fuel stations and 10 RP on every 100 spent on dining, grocery & movies (capped at 7500 Reward Points per month d.Reward Redemption – 4 Reward Point = 1 Rs, instant redemption at select BPCL petrol pumps. e.No fuel surcharge for transaction of up to 4000. C. HDFC Indian Oil Credit Card a.Joining fees – 500 taxes b.Reward point – 5% of the amount as fuel points at Indian Oil outlets, Groceries and Bill Payments (with Capping) c.Reward redemption – For cashback – 1 Fuel Point = ₹ 0.20, at Indian Oil with the complimentary Indian Oil XTRAREWARDSTM Program (IXRP) membership => 1 Fuel Point = 0.96 d.1 % Fuel surcharge waiver e. Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee Note: Terms and conditions apply for every card, fuel surcharge, eligible transaction, reward redemption etc. so decide accordingly. [Anushka Rathod, finance, petrol, credit card, car] #anushkarathod #finance #petrol #creditcard #car
This is Day 4 of 10 Smart Tips for your Mehnat ki Kamai, Follow along as next reel will be on Investments you must avoid! Check out the whole reel to know!! 1.Arbitrage Funds – a.These funds make profits from price differences in the market. They buy stocks at a lower price in one place and sell them at a higher price elsewhere or take advantage of gaps between current and future prices. b.They are subject to equity taxation. 2.Liquid Funds – a.These funds invest only into highly rated liquid investments with minimal risk of default such as Treasury Bills (T-bills), Commercial Paper (CP) that have residual maturities of up to 91 days to generate optimal returns while maintaining safety and high liquidity. b.They are taxed as per your income slab. Disclaimer: Mutual fund investments are subject to market risks, Read all the related documents carefully. [Anushka Rathod, finance, investment, mutual funds] #anushkarathod #finance #investment #mutualfunds
You can change the game! Presenting – The Money Guide The most actionable and interactive book on personal finance! In this book I’ve covered everything – → Developing the right money mindset with budgeting techniques & tools. → Complex topics like insurance and taxes. → Financial aspects of buying a house, studying abroad, getting a car and selecting a credit card. → Lastly, we’ll cover how to invest your money and build a portfolio. And with all this you’ll find editable tools, excel and worksheets etc So, get your copy today! The link is in my BIO or just Comment ‘The money guide’ and I’ll DM you the link [Anushka Rathod, finance, book, investment, home, insurance, taxes] #anushkarathod #finance #book #investment #home #insurance #taxes
Due to high comment traffic, Instagram has restricted commenting on this post. But if you’d still like to access the retirement calculator, you can easily find it on Google by searching: Wealthcare Retirement Calculator Being a crorepati is not enough!! For your retirement! Check out the whole reel to know how much need for retirement to maintain your current lifestyle. Comment “Mehnat ki kamai” and I’ll DM you the link. This is Day 6 of 10 smart tips for your Mehnat ki kamai Follow along as next reel will be on how rich people save taxes! [Anushka Rathod, finance, retirement, crorepati, investment] #anushkarathod #finance #retirement #crorepati #investment
Don’t make wrong choices!! Check out the whole reel! This is Day 5 of 10 Smart Tips for your Mehnat ki Kamai, Follow along as next reel will be on how much money do you need to retire! Here’s why you should avoid them- 1.Endowment plans & ULIPS – a. These plans combine Investment and insurance. While suitable in some cases, they usually offer inadequate insurance, lower returns and come in long lock in periods. b. Plus, these plans have various charges, like premium allocation, policy administration, fund management, mortality, and surrender charges, which reduce your returns 2.Digital gold – a. There is no regulatory authority for digital gold platforms to secure the interest of consumers plus, they also have charges like storage fees and 3% GST which reduce the returns. b. Also, when buying gold, buyers often pay a higher price than what sellers get. This price difference is called the ‘bid-ask spread,’ usually 2-3% for digital gold. 3.Child Insurance plans – a.They operate similar to either ULIPs or Endowment Plan. b.The difference is, in child plans if the parent dies, future premiums are waived, and the insurer keeps investing. The maturity benefits are paid as planned. c.However, both types often provide low coverage and returns, making them less effective as insurance or investment. So, it’s better to take a separate term insurance for yourself and invest for your child education separately. 4.Risky Stocks and trading a.Unless and until you are a trader or you have professional guidance, it is better to stick to long-term investing in equity mutual funds and good quality stocks. Disclaimer: This video is for education purpose only and should not be a replacement for professional investment advice. [Anushka Rathod, finance, investment, mistakes, mutual funds] #anushkarathod #finance #investment #mistakes #mutualfunds
Why rich people do this? Check out the whole reel to find out! So, Capital gains from sale of assets like shares, mutual funds, jewelry etc. is taxable. But if you reinvest the sale proceeds in buying or building a house, then under section 54F, capital gains can be exempted. This is day 7 of 10 smart tips for your Mehnat ki Kamai! 1.To get full exemption, invest all sale proceeds. If not, exemption is partial. Formula: Exemption = (Cost of new house × Capital Gains) / Sale Receipts. 2.To claim the exemption, you must buy a house within a year before or two years after selling the asset. If constructing, finish within three years from the sale. 3.New house should be held for at least three years. 4.The new residential house should be in India. You can’t claim the deduction if. 1.You already own more than one house (excluding the new one) when you sell the original asset. 2.You buy another house (not the new one) within a year of selling the original asset. 3.You build another house (not the new one) within three years of selling the original asset. Disclaimer: These are just general guidelines; tax rules are complex with a lot of terms and conditions and individual situations may vary. Consult your CA for personalized advice. [Anushka Rathod, finance, taxes, rich, home, money, investment]
Recently a US-based cybersecurity firm Resecurity has claimed that personal data of around 81.5 crore Indians has been leaked on the dark web. This is Day 8 of 10 smart tips for your Mehnat ki Kamai! Follow along as next reel will be on how you can get free fuel at petrol pumps. Now this leaked data can be misused for fraudulent financial transactions, obtaining mobile and internet connections, and identity theft etc. Here are 3 things that you can do to protect it- A. Lock your Aadhaar biometric- 1. Your Aadhaar contains biometric data, such as iris scans and fingerprints, which fraudsters could use to make unauthorized transactions from your account. 2. To prevent such scams, UIDAI offers a feature that lets you lock your biometric details. 3. Biometric locking prevents the use of fingerprints, iris, or face for Aadhaar authentication, ensuring safety from biometric misuse. B. Use Masked Aadhaar card 1. From hotels, hospitals, to sim operator all request Aadhaar copies for ID proof. Many people unknowingly hand out Aadhaar photocopies but what if there is data leak then your identity can be easily misused. 2. Now to protect your data you can just use masked Aadhaar card where the first 8 digits of your Aadhaar number will be hidden. 3. As per UIDAI it is completely valid document, just that it cannot be used for government schemes and subsidies. C. Check Aadhaar Authentication History 1. UIDAI on twitter said “You can see your Aadhaar authentication history for last six months on UIDAI website or mAadhaar app. Do check the same periodically. 2. The Aadhaar Authentication History service on the UIDAI website provides information on a user’s past authentications. 3. Here you can check where all you have used Aadhaar based biometric, OTP or demographic authentication for availing various services, and ensure that it has not been misused. To access all these, read the pinned comments [Anushka Rathod, finance, Aadhaar, goi, scam, data] #anushkarathod #finance #aadhaar #goi #scams #data
Whatttt just happened!!!!! 🥹🥹 We crossed 1Mn on Instagram and my book The Money Guide crossed Rs10 Lakh in sales on launch and became a bestseller on Amazon! This was unexpected because I have only been promoting links of my books’ own website and not Amazon, so that is mostly organic sales! Now we are even more confident and have started aggressively promoting it 🙌 I can’t thank you all enough! Definitely planning something to give back to you all soon!! Also, wanted to share this one story, so my book was lying around at one of my readers house and their dad saw my face and said, “Arey ye toh vahi Mehnat ki Kamai wali ladki hai na”. So adorable!!!! 🥹🥹🥹 Mandatory 🧿🪬
Whatttt just happened!!!!! 🥹🥹 We crossed 1Mn on Instagram and my book The Money Guide crossed Rs10 Lakh in sales on launch and became a bestseller on Amazon! This was unexpected because I have only been promoting links of my books’ own website and not Amazon, so that is mostly organic sales! Now we are even more confident and have started aggressively promoting it 🙌 I can’t thank you all enough! Definitely planning something to give back to you all soon!! Also, wanted to share this one story, so my book was lying around at one of my readers house and their dad saw my face and said, “Arey ye toh vahi Mehnat ki Kamai wali ladki hai na”. So adorable!!!! 🥹🥹🥹 Mandatory 🧿🪬
Whatttt just happened!!!!! 🥹🥹 We crossed 1Mn on Instagram and my book The Money Guide crossed Rs10 Lakh in sales on launch and became a bestseller on Amazon! This was unexpected because I have only been promoting links of my books’ own website and not Amazon, so that is mostly organic sales! Now we are even more confident and have started aggressively promoting it 🙌 I can’t thank you all enough! Definitely planning something to give back to you all soon!! Also, wanted to share this one story, so my book was lying around at one of my readers house and their dad saw my face and said, “Arey ye toh vahi Mehnat ki Kamai wali ladki hai na”. So adorable!!!! 🥹🥹🥹 Mandatory 🧿🪬
Whatttt just happened!!!!! 🥹🥹 We crossed 1Mn on Instagram and my book The Money Guide crossed Rs10 Lakh in sales on launch and became a bestseller on Amazon! This was unexpected because I have only been promoting links of my books’ own website and not Amazon, so that is mostly organic sales! Now we are even more confident and have started aggressively promoting it 🙌 I can’t thank you all enough! Definitely planning something to give back to you all soon!! Also, wanted to share this one story, so my book was lying around at one of my readers house and their dad saw my face and said, “Arey ye toh vahi Mehnat ki Kamai wali ladki hai na”. So adorable!!!! 🥹🥹🥹 Mandatory 🧿🪬
Presenting – The Money Guide The most actionable and interactive book on personal finance is here! Get your copy today, First 500 books will have 15% off! (Use code Launch15) The link is in my BIO or just Comment ‘The money guide’ and I’ll DM you the link Happy learning!! [Anushka Rathod, finance, book, investment, home, insurance, taxes, personal finance, credit cards, lifestyle, budgeting, excel, education loan, study abroad, debt] #anushkarathod #finance #book #investment #home #insurance #taxes
Brace yourself, tax season is here! If you’re not yet ready to navigate the intricacies of tax filing Worry not! With @clearfromcleartax , you’ll be able to file your taxes with ease and maximize your savings! Just link your PAN & upload Form 16, that’s it. All your, personal details, income details and deductions, will be prefilled automatically. No need to choose the ITR form or regime — ClearTax selects the best option to maximize your tax savings. You can manually add any undeclared deductions. And guess what? I’ve got an exclusive code for you. Use CTANUSHKA to get an additional 10% off. So, if you want to simplify your taxes then check the link my Bio! [Anushka Rathod, finance, tax, clear tax, investments] #AD #anushkarathod #finance #tax #cleartax #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
India’s fastest-growing mutual fund is currently under investigation by the SEBI for suspected front-running. Let’s see what happened in detail- 1.During routine inspection, SEBI’s surveillance flagged suspicious transactions by unknown individuals mirroring Quant MF’s trades. 2.They suspect an internal leak at Quant or their brokerage, giving “suspected beneficiaries” an unfair edge by trading on confidential information. 3.After which, SEBI raided Quant’s Mumbai headquarters and suspected beneficiaries’ site in Hyderabad, seizing digital devices for scrutinizing communications and detecting possible misconduct. 4.As of now, SEBI is targeting Quant MF executives and suspected Beneficiaries. But as an investor should you do something? There could be short term redemption pressure but since front running involves misuse of information and not funds, any violations are unlikely to affect the NAV and ownership of any schemes of the AMC. [Anushka Rathod, finance, SEBI, news, mutual funds, investments] #anushkarathod #finance #sebi #news #mutualfunds #investments
#HerVoiceMatters “Ladies, prioritise paying yourself first and securing medical insurance! There’s significant disparity in financial decision-making at home. Typically, men handle major financial decisions even in dual-income households. Women often struggle to maintain their lifestyle and financial stability due to entrenched gender roles,” says Anushka Rathod @anushkarathod98 , advocating for financial independence and fostering a community of financially savvy, empowered women. From the first moment you speak with Anushka Rathod, it’s evident she means business! She simplifies every response, just like in her videos. As a financial influencer, she breaks down personal finance, providing valuable insights to the younger generation. With a postgraduate degree in taxation and experience in investment banking and wealth management, Anushka began by clarifying basic industry strategies. Each post refined her approach, and today, her social media channels have millions of followers. Her newsletter, ‘Crore Club,’ attracts thousands of subscribers, and her new book, “The Money Guide,” is a pioneering, hands-on interactive personal finance guide. This #WorldSocialMediaDay, we spotlight India’s trailblazing finfluencer, Anushka Rathod! ———————————————————— CEO & Editor-in-Chief: Tanya Chaitanya @tanyachaitanya27 Assistant Editor: Karishma Sen @soulkari Art Director: Sameer More @sambeingg Photographer: Harish Iyer @whatashotharish Stylist: Sonali Valecha @sonalivalecha Style Asst: Asmi Gupta @asmi.jpeg HMU: Riddhima @ridz_makeup On-location Support: Alkesh Kadam Outfit: Co-ord set- OSHIN; @oshinsarin Earrings, neckpiece and rings- Avyaktaa; @avyaktaajewels Heels- CAI; @thecaistore ———————————————————— Artist management- Finnet Media @finnetmedia Artist Publicity – Bhavika Valecha @bhavika.1207 ———————————————————— #HerCircle #HerCircleCommunity #HerCircleHasNoLimit #AnushkaRathod #Finfluencer #PayYourselfFirst #FinancialEmpowerment #GenderEqualityInFinance #WomenInFinance #FinancialIndependence #EmpoweredWomen #PersonalFinanceTips #GenderRolesInFinance #CommunityBuilding
