Your Score Matters!! Check out the whole reel to know why!! For more details continue reading, In our example, we have taken HDFC September rate slabs available on their website. Where if we see they offer home loan in the range of 8.75% to 9.65% So, for example, if you take a 1 Cr home loan @8.75% for 20 years, your total interest outgo will be ₹ 1,12,09,057 /- But if you have a low credit score banks will charge you higher interest rates. In the above case if the interest rate is 9.65% your higher interest outgo will be ₹ 1,26,06,756 /- Even a 7–8-month credit history can help you improve your credit score, so do take advantage of it! Do Note: Home loan interest rate depends not only on your credit score but also on factors like your repo rate, salary, income stability, relationship with the bank, the loan amount, and your employment history. Don’t forget to follow for part 2!! Source: 1. HDFC Interest Rate – HDFC Bank website 2. Grow Home Loan Calculator [Anushka Rathod, finance, home, bank, celebrities] #anushkarathod #finance #home #bank #celebrities
Happy Rakshabandhan ✨✨
Disclaimer: #AD I am a post-graduate in Tax Management with a Bachelor’s in Commerce. The information shared in this reel is based on my personal experience when I was planning to go abroad in 2020. Also, the product mentioned has been advertised after due diligence on my end. Although, please conduct your own research and review the terms and conditions before purchasing any financial products Don’t make this mistake!! If you’re planning to study abroad! Check out the whole reel to know! Studying abroad is an amazing opportunity, but many Indian students miss out on hidden costs like consultation fees, application fees, forex charges, and more. One smart way to cut these expenses is with a Zero Markup fee Forex Card like IndusForex card. @indusind_bank ’s Multicurrency Forex card offers- 1.Secure and cashless way to carry currency abroad 2.Conveniently reload your card and access forex rates anytime 3.Protects against forex fluctuations 4.Load up to 14 currencies on a single card With IndusForex Card you also get a free international e-SIM and a chance to save upto 4% on international flights and hotel bookings. For more details check the Link in Bio!! And share this reel with someone who is planning to go abroad. [Anushka Rathod, finance, abroad, education, Indus Forex card] #collab #anushkarathod #finance #abroad #education #IndusIndBank #indusforexcard #indusforex #studyabroad #foreigntrip
Know the whole truth! When shopping online! Check out the whole reel to know! With this extension you can find all the hidden charges like GST on interest, processing fees etc. It gives you customized response according to the bank you choose. Note: For now, this extension works only on Amazon. [Anushka Rathod, finance, shopping, iPhone, banks] #anushkarathod #finance #shopping #iphone #banks
From a 9-5 Job to my dream coming to life! Check out the whole reel to know why I say this!! Presenting most actionable and interactive book on personal finance – The Money Guide! 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, investments, the money guide, grazia, credit cards] #anushkarathod #finance #book #investment #grazia #moneyguide #cards
Your parents will love this! Check out the whole reel to know! For more details keep reading- 1. Full delegation allows up to ₹15,000 per month and ₹5,000 per transaction. 2. A primary user can delegate to 5 secondary users, while each secondary user can accept delegation from only one primary user. 3. The primary user controls account access for UPI transactions, sets limits, and monitors all activities. Precautions for UPI Users: 1. Regularly educate secondary users about UPI fraud trends, tactics, and prevention to help them recognize and avoid threats. 2. Only give access to trusted individuals and set transaction limits. Note: Amazon Pay, Google Pay, and NPCI’s BHIM are testing UPI Circle in a closed user group, with a public launch expected soon. [Anushka Rathod, finance, UPI, news, India, RBI] #anushkarathod #finance #upi #news #india #rbi
11.86% vs 7.52% From the same investment! How? Check out the whole reel to know! For more details keep reading- 1.We have taken time period of 8 years – 2016 to 2024. 2.For jewellery we took 22k, as delicate ornaments are generally made of 22-carat gold. Assumed making charges – 10% 3.Gold ETF – we have taken expense ratio of SBI Gold ETF i.e. 0.65% 4.Taxation- a.Gold ETF – 12.5% LTCG (more than 1 year), can claim long term capital gains exemption up to 1.25 lakhs. b.SGB – No tax when you redeem sovereign gold bonds (SGBs) at maturity but the interest that you receive is taxed. c. Physical Gold and jewellery – 12.5% LTCG tax applies if you sell gold after two years indexation benefits not available. Disclaimer: This reel is for educational purposes only. Past returns do not guarantee future performance. Gold can be a valuable investment for diversifying your portfolio, but always choose based on your individual needs and goals. [Anushka Rathod, finance, gold, jewellery, SGB] #anushkarathod #finance #gold #jewellery #sgb
Unknown Tax Saving Strategy! Check out the whole reel to know! This is Day 1 of Money Secrets of the rich follow along as next reel will be on how rich people get higher returns than normal FD! Here’s how you can do cost benefit analysis- 1. Check the reward rate In my card, it is 25 points for ₹150, and 1 point = ₹1 2. Now take your average monthly GST/Income tax payment you are planning to make. Say it is ₹1,00,000 then you are paying ₹1180 as charges on it (1.18%) 3. Compare this with your rewards. 4. Your card might have a max reward points limit so do check that. For me, it is 7500 points on GST. So the maximum I can get is ₹7500. 5. So net-net I am getting ₹5700 benefit – so it makes sense to get it! 6. Lastly, also consider the annual fees once. In my card, it is ₹10,000 but it gets waived off at ₹1.5L spending in 3 months which in my example will easily be waived off! Note: Terms and conditions apply for every card, lounge access, spending limit, eligible transaction, criteria, reward redemption etc. so decide accordingly. [Anushka Rathod, finance, tax payments, credit cards, money secrets of the rich] #anushkarathod #finance #taxpayments #creditcards #moneysecrets
Make a Smart decision! Check out the whole reel to know! Electric cars cost more upfront but are cheaper to run than petrol or diesel cars. To help you decide which is more economical based on your usage, I’ve created a calculator. Which you can find in my book – 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, EV, Petrol, car, celebrity, The Money guide] #anushkarathod #finance #investments #ev #celebrity #moneyguide
I have automated my grocery shopping… Check out the whole reel to know! With Amazon’s Subscribe and Save feature you get- Additional Discounts – 10% off if you subscribe 2 or more items in one month! Timely deliveries – Never worry about running out of essentials again. Flexible Subscriptions – Adjust delivery frequency, quantities as per your needs. Plus, new subscribers can grab an extra ₹50 cashback each on next 3 deliveries! Just select your favorites, subscribe, and let Amazon handle the rest. It’s that simple So, if you want to save ₹₹₹ on your daily essentials then subscribe now!! The Link is in my Bio!! [AD, Anushka Rathod, finance, shopping, save and subscribe, ab savings pakki] AD #anushkarathod #finance #shopping #save #subscribe #absavingspakki
This is soo exciting! So most people don’t know about these vouchers with which they can get extra discounts!! Check out the whole reel to know how!! Flipkart’s Big Billion Days sale is on, and you can get added discounts on mobile phones, TVs, refrigerators, air fryers, washing machines, ACs, and more, with this app! With this app, you can grab additional vouchers for Nothing phone, Sony 65” TV, Samsung A14 5G and a lot more brands! To get the app check the link in my Bio!! And don’t forget to share this hack with your friends and family who love to shop! [AD, Anushka Rathod, finance, Flipkart, CheQ, BBD] #AD #anushkarathod #finance #flipkart #CheQ #bbd
Is UPI getting banned? Will the stock market crash? Social media is flooded with misleading headlines and fake news, making it hard to distinguish fact from fiction. These false narratives can be harmful, causing unnecessary panic. That’s why it’s crucial to rely on trusted news sources like The Times of India. With the ‘In with the News, out with the Noise’ initiative, they help you cut through the clutter and stay informed with accurate information. Stay updated and make informed decisions. For more details, check the link in our bio! [Anushka Rathod, finance, news, TOI, NewsVsNoise] #anushkarathod #finance #news #InWithTheNews #FactCheckFirst #TOI #NewsVsNoise #StayInformed
Those working to enable financial inclusion and spreading financial literacy are doing an incredible job! 👏
₹ 36,000 cashback on UPI!! Check out the whole reel to know how! Introducing the 3-in-1 Switch RuPay Credit Card! It gives you 2% cashback on UPI & credit card spends and it’s a lifetime free credit card that means no joining or annual fees. With this you can save up to ₹3,000 per month, i.e. ₹ 36,000 a year. And the best part? It lets you switch between 3 categories for 2% cashback: shopping, dining, and travel. 1. Shopping – Amazon, Myntra, BlinkIt, Croma, etc. 2. Dining – Swiggy, Zomato, Dominos, etc. 3. Travel – Ixigo, Airbnb, IRCTC, Yatra, etc. Say if you select Shopping then you will get 2% cashback on all your shopping related spends and assured cashback on all other spends. You can switch categories after every 3 billing cycles. But what if you already have a RuPay card? Then just link your card to Jupiter UPI and get up to 2% cashback on your UPI spends above your RuPay rewards. For more details check the link in bio! The 3-in-1 Switch RuPay Credit Card is issued by CSB, exclusively on Jupiter. [Anushka Rathod, finance, UPI, Rupay, Jupiter] AD #anushkarathod #finance #upi #rupay #jupiter
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
The Untold Story of India’s Middle Class. Check out the whole post! Sources: 1.PRICE Survey – The Rise of India’s Middle Class: A Force to Reckon With. 2.Economic Times – Middle-income households buy 56% of India’s gold 3.Live mint – gold vs Bank FD: Which asset class attracted more money from Indian middle class? World Gold Council reports. [Anushka Rathod, finance, middle class, economy, India] #anushkarathod #finance #middleclass #economy #india
