I am in a Long-Distance Relationship with… Check out the whole reel to know!! 1.SBI Air India Signature a.Annual Fees – ₹ 4,999 taxes. b.Welcome Benefit – 20,000 Reward Points c.Earn – 4 RP per ₹100 spent on normal spends, 30 RP per ₹ 100 spent on Air India tickets. d.Redeem – 1 RP = 1 Air India Mile. 2.Axis Atlas a.Annual Fees – ₹ 5000 fees b.Welcome benefit – 2500 Edge Miles c.Earn – 5 Edge Miles per ₹ 100 spent on travel related spends (Airlines and Hotel maximum spends up to ₹ 2 lakhs) and 2 Edge Miles per ₹ 100 spent on normal spends. d.Redeem – 1 Edge Mile = ₹ 1, or 1 Edge Mile = 2 partner miles (airlines and hotels) 3.Make My Trip ICICI Bank Credit card a.Annual Fees – ₹ 1000 Fees b.Welcome benefits – MMT voucher of ₹1000 valid for one year and MMTBLACK Gold Membership valid for one year c.Rewards – i.Hotel Bookings on MMT – 12 myCash on every ₹200 ii.Flight, Holiday, cab and bus bookings on MMT – 6 myCash on every ₹200. iii.Other Spends – 2 myCash on every ₹ 200. Redeem – 1 myCash = ₹ 1 can redeem on MMT. 4.American Express Travel Credit card a.Annual fees – 1st year – 3,500 taxes; 2nd year onwards – ₹5,000 taxes. b.Welcome benefits – 10,000 Membership Rewards points c.Reward – 1 RP i.Milestone benefits ii.Spend 1.9 lakhs in 1 year – 15,000 RP iii.Spend 4 lakhs in 1 year – 25000 RP e.Redeem – On Amex travel online pay with points options @ 1 RP = ₹ 0.25 [Anushka Rathod, finance, travel credit cards, long distance relationship] #anushkarathod #finance #travel #creditcards #longdistancerelationship
Free VVIP Treatment in the airport!! How?? Check out the whole reel to know! In June 2024, Home Minister Amit Shah inaugurated this facility at Delhi’s Indira Gandhi International Airport. The facility is being launched at 21 major airports, including 7 key ones: Mumbai, Chennai, Kolkata, Bengaluru, Hyderabad, Kochi, and Ahmedabad. In the first phase, Indian citizens and OCI cardholders will be covered and in the second phase, foreign travellers will be covered. Registration is valid until the passport’s expiry or for five years and can be renewed. For detailed steps on how to register check the pinned comment!! [Anushka Rathod, finance, travel, goi, foreign] #anushkarathod #finance #travel #goi #foreign #news
Bargain Like a Pro! Check out the whole reel to know! For Free Credit Cards- 1.IDFC FIRST Classic Credit Card a.Eligibility – Annual income of ₹ 3 Lacs or more b.Reward Rate – 3 RP on every ₹ 150 spend up to ₹20,000 per month c.10 RP on every ₹ 150 spends above ₹20,000 per month. d.Redeem – 1 RP – ₹ 0.25 2.IndusInd Tiger Credit Card a.1 complimentary movie ticket up to ₹500 on BookMyShow every 6 months in a calendar year. b.Get two domestic lounge accesses every quarter and two international lounge accesses per year with Priority Pass membership c.Reward Rate – Up to 6 RP on ₹ 100 spent (based on incremental spending) d.Redeem – 1 RP = 1.2 (Airmiles), 1 RP = ₹ 0.40 (Cash credit) For FD Based Credit Card – Interest rate on FD Card is the same as offered on standard FD. 1.IDFC FIRST WOW! credit card a.Annual Fees – ₹ 199 Taxes b.3 RP per ₹ 150 spend through UPI c.Redeem – 1 RP = ₹ 0.25 2.AXIS My ZONE Easy Credit Cards a.Annual Fees – ₹ 500 b.25% cashback on Movie tickets c.Rewards – 4 RP on every ₹ 200 spent (domestic) d.Minimum FD required – ₹ 15,000 Disclaimer: Terms and conditions apply for every card, lounge access, spending limit, eligible transaction, criteria, reward redemption etc. so decide accordingly. [Anushka Rathod, finance, credit cards, beginners] #anushkarathod #finance #creditcard #beginners
A free flight ticket without using a credit or debit card? Challenge accepted! As someone who travels a lot for work, I’m always looking for ways to save on flights. Recently, I discovered Indigo’s Blue Chip loyalty program, and it’s a total game changer. Here’s how I’m using it to book a free flight! Let’s say I fly from Mumbai to Delhi for work (I checked for Surat to Bengaluru and it costs similar amount), a round trip costing around ₹12,000. If I take this trip once a month for a year, my total spend is ₹1,44,000. With Blue Chip, this would give me 11,520 points. That’s enough to book a one-way flight from Delhi to Mumbai (7,622 points) or even a round trip from Mumbai to Goa (10,000 points). Even if I don’t redeem for a free flight, these points are great for discounts. [Anushka Rathod, Work Trips Made Easy, Free Flights, Travel Hacks] #AnushkaRathod #FreeFlights #TravelHacks
Had a Blast at the Launch of @moniifybusiness! I know late post 😛 I wanted to gift the billionaire chairman something which symbolised Indian Culture hence got a silver coin inscribed as silver is considered auspicious for new beginnings! Hope to see Moniify reach great heights 💫💫
Had a Blast at the Launch of @moniifybusiness! I know late post 😛 I wanted to gift the billionaire chairman something which symbolised Indian Culture hence got a silver coin inscribed as silver is considered auspicious for new beginnings! Hope to see Moniify reach great heights 💫💫
Just getting started though! ☘️ Thankyou for honour @forbesindia @brianc_ed @nainithaker95 and Rucha ♥️ Outfit: @labelparshya HMU: @makeoverbyshivanimehta
If you buy a car in December, the manufacturing year will be 2024. This can slightly impact its resale value since buyers often prefer newer models. But if you’re planning to keep the car for 6-7 years or more, this impact is minimal. Because at that point, the condition of the car matters more than its year. But there’s a hack, register it in January 2025 so that on paper, it shows as a 2025 model. However, this doesn’t always work depends on the buyer. But anyway see if you can take advantage of the big discounts, but keep your long-term plans and resale value in mind! Now, share this reel with your car enthusiast friend and blow their mind! [Anushka Rathod, Car Buying Tips, December Discounts, Resale Value, Finance Tips] #AnushkaRathod #CarBuyingTips #DecemberDiscounts #ResaleValue #FinanceTips
SOME MORE TIPS: 1. Emergency Funds: Keep your main balance and emergency funds in 1-2 accounts for easy access. 2. Change Your UPI ID: Use a random Virtual Payment Address (VPA) for safety (e.g., Happygolucky@paytm instead of XXXXXXX234@paytm). 3. Use RuPay Credit Cards: A safer option for UPI payments; easy to apply and manage online. 4. Implement UPI Lite: Use for low-value transactions. 5. Avoid Strange Transfers: Don’t accept UPI payments from unknown individuals. Stay informed and protect your finances! [AnushkaRathod, UPIfraud, BankSafety, StaySecure, FinancialSafety] #AnushkaRathod #UPIfraud #BankSafety #StaySecure #FinancialSafety
Note: Last 1 Year Return! In India 20,000-30,000 Kg gold is sold every Dhanteras!! Some buy it for daily-use jewelry, while others see it as an investment. So, depending on your use case — here’s a complete analysis to guide your purchase. 1.Gold Jewlery a.Good for daily personal use, physical possession b.Investment returns: Low due to high costs (making charges 10-30%, wastage 5-10%, GST 3%). c.Taxation (Short-term): If sold within 2 years, taxed as per your slab rate (short-term capital gains). d.Taxation (Long-term): If held for over 2 years, long-term capital gains @ 12.5%. 2.Gold Coins a.Now if you are looking from investment point of view but still want physical possession then gold coins are the best option b.It has lower making charges 1 – 3% and is available in 24K but yeah GST @ 3% will still be charged. c.Taxation – Same as gold jewellery 3.Gold ETF a.Now if you want gold solely as investment then gold ETF are better option as you can invest with as low as ₹50 – ₹60. b.It has no making charge or GST thus giving you higher returns, but expense ratio and brokerage fees will be there. c.Taxation – Within 1-year STCG will be applied – as per your slab rate, After 1 year LTCG @ 12.5% 4.Sovereign Gold Bond a.Hands down this is the best gold investment, issued by RBI these bonds reflect the returns of physical 24K gold over an 8-year period. b.The RBI typically announces new SGB tranches every 3-4 months, but none have been issued since February. c.But you can still buy SGBs in the secondary market. d.Since 2015, 67 tranches have been launched, issuing 14.7 crore units listed on the BSE and NSE. 5.Digital Gold a.Regulatory oversight, and consumers face platform fees commission of 2-3% 3% GST, which lower returns. A b.Additionally, buyers often pay more than sellers receive due to the ‘bid-ask spread,’ typically 4-6% for digital gold. 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]
What did they do? Anushka Sharma, Ranbir Kapoor and Shahrukh Khan They were all stopped by the custom department at the airport But why? Check out the whole reel to know! As per the CBIC, passenger arriving from countries other than Nepal, Bhutan or Myanmar can bring- 1.Used personal effects and travel souvenirs. 2.Articles up to the value of Rs.50,000 carried on person or accompanied baggage Excluding the following- 1.Gold or silver in any form other than ornaments. 2.Cigarettes exceeding 100 sticks or cigars exceeding 25 or tobacco exceeding 125 gms etc. For passenger arriving from Nepal, Bhutan or Myanmar the limit is ₹ 15,000. Please do note that the people mentioned in the video were just stopped to check we don’t have confirmation that they were following the rules or not. [Anushka Rathod, finance, custom duty, Travel, abroad] #anushkarathod #finance #customduty #travel #abroad
My friend’s dad made a costly mistake… Check out the whole reel to know! For more details keep reading- Previously, if you surrendered the policy within the 2-3 years, you wouldn’t receive any refund of the premiums paid. Even after the 4th year, you’d only get 30-40% of the total premiums. But now thanks to IRDAI, your surrender value will almost be doubled!! Surrender value will be calculated as present value of (a) paid-up sum assured on all contingencies covered and (b) paid-up future benefits (such as income benefits), if any, and (c) accrued/vested benefits, duly allowing for survival benefits already paid (whatsoever name called), if any Paid-up value is calculated as per a formula: number of premiums paid X sum assured/total number of premiums payable. To arrive at the expected present value of the paid-up sum assured and paid-up future benefits, Irdai has specified a maximum spread of 50 basis points (bps) over 10-year G-Sec. [Anushka Rathod, finance, insurance, news, India] #anushkarathod #finance #insurance #news #india
Daal Batti is not for the weak 😛
Are You Making These Child Investment Mistakes? Check out the whole reel to know!! This is Day 12 of Mehnat ki Kamai, follow along as next reel will be on how to get free food – grocery, ordering & dining! For more details keep reading- A circular released last month explained new rules for fixing irregular accounts in schemes like PPF and SSY, effective October 1, 2024. Irregular accounts are accounts that do not follow the rules set by a financial scheme. There are several ways an account can become irregular—one of them is exceeding the deposit limit. If deposits in both the parent’s and child’s PPF accounts exceed ₹1.5 lakh in a year, the child’s account becomes irregular, and the excess amount earns only 4% interest. This scheme was recently launched in Budget 2024, It allows partial withdrawals of up to 25% of your contributions after a three-year lock-in period. Three such withdrawals allowed until the child turns 18. Once the child becomes a major, 20% can be withdrawn as a lump sum, with the rest used to buy annuities or converted into a regular NPS Tier-I account for retirement. Disclaimer: This video is for education purpose only and should not be a replacement for professional investment advice. [Anushka Rathod, Finance, kids, investment, education] #anushkarathod #finance #kids #investment #education
My Mutual Funds portfolio isn’t built on SIPs—it’s built on my reality. Being a Content Creator means unpredictable income and delayed payments. Relatable much? Industry Insider – some brands delay payments by 3-6 months, so managing cash flow gets tricky. That’s why I don’t follow the SIP route. Instead, on the 2nd Sunday of every month, I account for GST, salaries, and other bills. Whatever surplus is left, I manually transfer it into mutual funds. It’s all about balancing long-term growth with short-term stability. My funds are split smartly, and I’ve got a safety net for emergencies. This way, I stay in control even when my cash flow isn’t. So, how do you manage your investments? Drop your thoughts below! [Anushka Rathod, Investments, Freelancer, Financial Planning, Money Talks] #AnushkaRathod #Investments #Freelancer #FinancialPlanning #MoneyTalks
What does Diwali mean to you?? Let me know in the comments! This festive season, @indusind_bank is celebrating with you by offering up to 7.75%* interest on Fixed Deposits and up to 8.25%* for Senior Citizens. Visit your nearest branch, or book your fixed deposits online to secure your future with IndusInd Bank! Link in bio! [Anushka Rathod, finance, Diwali, FD, festival, IndusInd bank] AD #anushkarathod #finance #diwali #fd #festival #indusindbank #Diwali2024 #CelebrationZarooriHai
#ad Why settle for less?? When you can higher returns on your FD! How? Check out the whole reel to know!! Now anyone can book an FD with @airtelindia Airtel Finance – without opening a bank account. Get interest rates up to 9.2% with their RBI-backed banking partners and AAA CRISIL-rated NBFCs. Manage your fixed deposits seamlessly on the Airtel Thanks App with fully digital process: 1. Compare and select your FD. 2. Enter your details and complete KYC. 3. Make payment using your existing bank account. Also, up to Rs 5 lakh, the total deposits—including both principal and interest— is insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) So, download Airtel thanks app now to get started! Disclaimer: The interest rates on fixed deposits (FDs) are subject to change based on the selected time period and prevailing market conditions. [Anushka Rathod, finance, FD, Airtel, Investment] #anushkarathod #finance #fd #airtel #investment #FDMeinInterestBadhega ,#AirtelFinance , #FixedDepositsByAirtelFinance #collab
Pro Tip: Always keep your UAN, Aadhaar, and bank details updated to avoid delays. PF Advance withdrawal guide: 1.Purchase of house/flat/construction: For purchase of site: 24 month’s basic wages and DA. For purchase of house/flat/construction: 36 month’s basic wages and DA OR Total of employee employer share with interest OR Total cost (Whichever is least) 2.For construction of house: One or more installments.membership required: 5 years (Para 68B). 3.Home Renovations (owned by member/spouse or jointly with spouse) – 12 month’s basic wages and DA OR Employee Share with interest OR Cost Whichever is least 4.Loan repayment: Least of 36 months’ wages contribution, or total loan membership required: 10 years (Para 68BB). 5.Medical emergencies (Self or Dependent): 6 months’ wages or employee share plus interest. no membership requirements (Para 68J). 6.For marriage (self or family) or post-matric education of children: 50% of employee share. membership required: 7 years (Para 68K). 7.Pre-retirement withdrawal: Up to 90% of PF balance. membership required: within 1 year of retirement/superannuation or after 54 years of age, whichever is later. (Para 68NN). 8.Employee has not received wages for more than 2 months continuously (for reasons other than strike): Employee share with Interest 9.Handicap equipment purchase: Least of 6 months’ wages, contribution, or equipment cost (Para 68N). Read the detailed document here on EPFO: https://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/EPFScheme.pdf [Anushka Rathod, EPF Withdrawal, Finance Tips, Money Matters, Financial Planning] #AnushkaRathod #EPFWithdrawal #FinanceTips #MoneyMatters #FinancialPlanning
