Share This Reel ✅ 👉🏻 New Notification of RBI/2023-24/60 DoR.MCS.REC.38/01.01.001/2023-24 has arrived for all Personal Loans ✅ SUMMARISED BELOW 👇 1️⃣ Giving Back Property Papers – If you take a loan, the bank usually holds onto some property papers as a guarantee. – Once you’ve paid off your loan, the bank should give these papers back to you within 30 days. 2️⃣ Where and When You Get Your Papers – The bank will tell you where (which branch or office) you can pick up your papers from. – This place and the 30-day time frame will be mentioned when you get your loan approved. 3️⃣ If the Borrower Passes Away – If unfortunately, the person who took the loan dies, the bank has clear steps on how the property papers will be returned to the family or the legal heirs. – These steps are available on the bank’s website. 4️⃣ Penalty for Delay – If the bank takes more than 30 days to return your papers, they need to tell you why. – If the delay is the bank’s fault, they will pay you ₹5,000 for every extra day they are late. 5️⃣ Lost or Damaged Papers – If the bank loses or damages your papers, they will help you get duplicate copies and will also pay for any costs involved. – They get an extra 30 days to do this (making 60 days in total). If they take more than 60 days, then they’ll start paying you the ₹5,000 daily penalty. 6️⃣ Starting Date for these Rules – These rules and penalties apply to cases where the return of papers is due on or after December 1, 2023. 7️⃣ Legal Basis – These guidelines are based on certain sections of banking and financial laws in India. ⭐️ In essence, this guideline ensures that banks quickly and efficiently return borrowers’ property papers once loans are paid off and provides penalties for banks if they delay or mishandle the process. 👉🏻 Share & Save the video
They say life begins at 30, but honestly I feel like I’ve lived 5 different lives already My 20s were a mix of chaos and taking risks I started post grad in banking, clueless about what “risk management” even meant but soon found myself consulting for Banks and NBFCs at Deloitte. I did that for around 4 years Stable? Yes. Fulfilling? Not quite. By COVID, I realized it was time to pivot But to what? I loved teaching, so I cleared UGC NET in three months and considered a PhD until I realized the world of academia wasn’t for me Too many rules, too little freedom Boom I got married (2021) So I had to keep pursuing my PhD and job Meanwhile, my Instagram content was picking up That’s when it hit me, teaching doesn’t need to happen in a classroom, why not do it online? So, I shifted gears, and made research my life (it still is btw) Along the way, I became AMFI licensed and NISM certified If you’ll ask me, here’s what I’ve learned by 30: [1] Nothing is permanent. Jobs, careers, even some relationships – they’re just stepping stones [2] Don’t stay stuck just because you chose something years ago. Reinvent yourself [3] Insurance is boring but essential so get it sorted [4] The big 3- accommodation, transportation and food drain most of your money. Optimize these to save big [5] If you don’t understand money, get help. Don’t DIY when it comes to wealth [6] Talk about finances with your partner, it’s awkward now but saves fights later [7] Every little decision, personal or professional should align with your ethics. Short-term gains aren’t worth long-term peace Also ab main badi ho gayi hun, tameez se baat karna, jo mujse chhote hain aur haan, jo bade bolte hain wahi sahi hota hai 😅 Here’s to my next decade 🍾 Happy Birthday to me.
They say life begins at 30, but honestly I feel like I’ve lived 5 different lives already My 20s were a mix of chaos and taking risks I started post grad in banking, clueless about what “risk management” even meant but soon found myself consulting for Banks and NBFCs at Deloitte. I did that for around 4 years Stable? Yes. Fulfilling? Not quite. By COVID, I realized it was time to pivot But to what? I loved teaching, so I cleared UGC NET in three months and considered a PhD until I realized the world of academia wasn’t for me Too many rules, too little freedom Boom I got married (2021) So I had to keep pursuing my PhD and job Meanwhile, my Instagram content was picking up That’s when it hit me, teaching doesn’t need to happen in a classroom, why not do it online? So, I shifted gears, and made research my life (it still is btw) Along the way, I became AMFI licensed and NISM certified If you’ll ask me, here’s what I’ve learned by 30: [1] Nothing is permanent. Jobs, careers, even some relationships – they’re just stepping stones [2] Don’t stay stuck just because you chose something years ago. Reinvent yourself [3] Insurance is boring but essential so get it sorted [4] The big 3- accommodation, transportation and food drain most of your money. Optimize these to save big [5] If you don’t understand money, get help. Don’t DIY when it comes to wealth [6] Talk about finances with your partner, it’s awkward now but saves fights later [7] Every little decision, personal or professional should align with your ethics. Short-term gains aren’t worth long-term peace Also ab main badi ho gayi hun, tameez se baat karna, jo mujse chhote hain aur haan, jo bade bolte hain wahi sahi hota hai 😅 Here’s to my next decade 🍾 Happy Birthday to me.
They say life begins at 30, but honestly I feel like I’ve lived 5 different lives already My 20s were a mix of chaos and taking risks I started post grad in banking, clueless about what “risk management” even meant but soon found myself consulting for Banks and NBFCs at Deloitte. I did that for around 4 years Stable? Yes. Fulfilling? Not quite. By COVID, I realized it was time to pivot But to what? I loved teaching, so I cleared UGC NET in three months and considered a PhD until I realized the world of academia wasn’t for me Too many rules, too little freedom Boom I got married (2021) So I had to keep pursuing my PhD and job Meanwhile, my Instagram content was picking up That’s when it hit me, teaching doesn’t need to happen in a classroom, why not do it online? So, I shifted gears, and made research my life (it still is btw) Along the way, I became AMFI licensed and NISM certified If you’ll ask me, here’s what I’ve learned by 30: [1] Nothing is permanent. Jobs, careers, even some relationships – they’re just stepping stones [2] Don’t stay stuck just because you chose something years ago. Reinvent yourself [3] Insurance is boring but essential so get it sorted [4] The big 3- accommodation, transportation and food drain most of your money. Optimize these to save big [5] If you don’t understand money, get help. Don’t DIY when it comes to wealth [6] Talk about finances with your partner, it’s awkward now but saves fights later [7] Every little decision, personal or professional should align with your ethics. Short-term gains aren’t worth long-term peace Also ab main badi ho gayi hun, tameez se baat karna, jo mujse chhote hain aur haan, jo bade bolte hain wahi sahi hota hai 😅 Here’s to my next decade 🍾 Happy Birthday to me.
🚨 Your Data is not SAFE ‼️ The Income Tax Department might use this technique to find out people who are paying less tax or not paying at all. This raises the big question, if your Data is private or not? Share this with everyone to make them aware
3 Courses for your Finance Career. WHY SHOULD YOU DO THIS? 👉🏻 The only way to get good job and jump the corporate ladder is through UPSKILLING 👉🏻 And certifications from NSE and Govt Universities will give you the extra skills and knowledge to beat the competition in and will solidify your CVs ❌ SO STOP DOING COURSES FROM RANDOM GURUS, TRADERS, COACHES! ❌ There is no value of those courses in reality and neither will it help your CV. ✅ YouTube video is created on all NSE & BSE courses which includes: 📌 Online Certifications 📌 Online Courses 📌 Offline Certifications 📌 Offline Courses SUBJECTS INCLUDE: ⭐️ Stock Market ⭐️ Fintech ⭐️ MBA Finance ⭐️ Financial Advisory ⭐️ Long Term Investment ⭐️ Mutual Funds ⭐️ Analysing Stocks 🙌 CHECKOUT THE LINK IN MY BIO 🔗 ✅ And don’t forget to Invest in yourself ❤️ 🚀 Follow me byeeee #stockmarket #finance #courses #mba #iim #nse #bse
Starting Midnight! ⏰ 🚨 GST LUCKY DRAW! 🚨 👉🏻 Save it and Share it with your Family & Friends! ✅ Starting on a pilot phase in 6 areas ✅ Every Month there will be 810 lucky draws 💡 ✅ Every Quarter 2 bumper lucky draws 🤑🤑 ⭐️ The monthly draws include 800 lucky draws of GST invoices of ₹ 10,000 each 💸 ⭐️ 10 draws with prize of ₹ 10 lakh each 💰 ⭐️ Every quarter the bumper draw would be ₹ 1 crore each. ( lucky draw government of india indian government gst tax taxation india free cash prize)
Culture & Kulcha 🤌 That’s how I would describe my experience in Amritsar 🌸 From the past two months, I was unwell and the last few weeks are like breath of fresh air 🌬️🤍 I had kidney stones which made my life difficult because they weren’t too big to be operated but weren’t too small as well. It took the soul out of me everytime it moved. I couldn’t create content like before and all I could feel was guilt and remorse. ✅ And it was at the event of Festival of Ideas that I could finally go out of my house for work. I felt completely in my element 🩵 1️⃣ Ek cheez samaj li hai ke har samay guzar jata hai chaahe woh achha ho ya bura ⏱️ 🚀 Also got the Vicharjeevi Award 2023 by @uday_533 @newsxonline 👉🏻 In the event I shared my opinion as to how in India, its still difficult to talk about money, especially by Parents who don’t share the financial situation with their children. 👉🏻 Honest conversations within a home, between siblings, married partners and colleagues should be done, but we all need to take that first step and somewhere I am guilty of that too. 👉🏻 Coming to Amritsar, it was hella cool to see the entry prepared by the students of @gnauniversity. It’s something that I have never seen and because of this I will always remember my experience in Amritsar. 👉🏻 And ofcourse a video that I had to share @uditnarayanmusic sir. It was a magical feeling to hear his voice (no auto tune like we have these days 😅) ⭐️ All in all, last 3 months taught me a lot about life and how you can’t control everything that happens. Let it go because it will eventually go 🙌
Culture & Kulcha 🤌 That’s how I would describe my experience in Amritsar 🌸 From the past two months, I was unwell and the last few weeks are like breath of fresh air 🌬️🤍 I had kidney stones which made my life difficult because they weren’t too big to be operated but weren’t too small as well. It took the soul out of me everytime it moved. I couldn’t create content like before and all I could feel was guilt and remorse. ✅ And it was at the event of Festival of Ideas that I could finally go out of my house for work. I felt completely in my element 🩵 1️⃣ Ek cheez samaj li hai ke har samay guzar jata hai chaahe woh achha ho ya bura ⏱️ 🚀 Also got the Vicharjeevi Award 2023 by @uday_533 @newsxonline 👉🏻 In the event I shared my opinion as to how in India, its still difficult to talk about money, especially by Parents who don’t share the financial situation with their children. 👉🏻 Honest conversations within a home, between siblings, married partners and colleagues should be done, but we all need to take that first step and somewhere I am guilty of that too. 👉🏻 Coming to Amritsar, it was hella cool to see the entry prepared by the students of @gnauniversity. It’s something that I have never seen and because of this I will always remember my experience in Amritsar. 👉🏻 And ofcourse a video that I had to share @uditnarayanmusic sir. It was a magical feeling to hear his voice (no auto tune like we have these days 😅) ⭐️ All in all, last 3 months taught me a lot about life and how you can’t control everything that happens. Let it go because it will eventually go 🙌
Culture & Kulcha 🤌 That’s how I would describe my experience in Amritsar 🌸 From the past two months, I was unwell and the last few weeks are like breath of fresh air 🌬️🤍 I had kidney stones which made my life difficult because they weren’t too big to be operated but weren’t too small as well. It took the soul out of me everytime it moved. I couldn’t create content like before and all I could feel was guilt and remorse. ✅ And it was at the event of Festival of Ideas that I could finally go out of my house for work. I felt completely in my element 🩵 1️⃣ Ek cheez samaj li hai ke har samay guzar jata hai chaahe woh achha ho ya bura ⏱️ 🚀 Also got the Vicharjeevi Award 2023 by @uday_533 @newsxonline 👉🏻 In the event I shared my opinion as to how in India, its still difficult to talk about money, especially by Parents who don’t share the financial situation with their children. 👉🏻 Honest conversations within a home, between siblings, married partners and colleagues should be done, but we all need to take that first step and somewhere I am guilty of that too. 👉🏻 Coming to Amritsar, it was hella cool to see the entry prepared by the students of @gnauniversity. It’s something that I have never seen and because of this I will always remember my experience in Amritsar. 👉🏻 And ofcourse a video that I had to share @uditnarayanmusic sir. It was a magical feeling to hear his voice (no auto tune like we have these days 😅) ⭐️ All in all, last 3 months taught me a lot about life and how you can’t control everything that happens. Let it go because it will eventually go 🙌
Culture & Kulcha 🤌 That’s how I would describe my experience in Amritsar 🌸 From the past two months, I was unwell and the last few weeks are like breath of fresh air 🌬️🤍 I had kidney stones which made my life difficult because they weren’t too big to be operated but weren’t too small as well. It took the soul out of me everytime it moved. I couldn’t create content like before and all I could feel was guilt and remorse. ✅ And it was at the event of Festival of Ideas that I could finally go out of my house for work. I felt completely in my element 🩵 1️⃣ Ek cheez samaj li hai ke har samay guzar jata hai chaahe woh achha ho ya bura ⏱️ 🚀 Also got the Vicharjeevi Award 2023 by @uday_533 @newsxonline 👉🏻 In the event I shared my opinion as to how in India, its still difficult to talk about money, especially by Parents who don’t share the financial situation with their children. 👉🏻 Honest conversations within a home, between siblings, married partners and colleagues should be done, but we all need to take that first step and somewhere I am guilty of that too. 👉🏻 Coming to Amritsar, it was hella cool to see the entry prepared by the students of @gnauniversity. It’s something that I have never seen and because of this I will always remember my experience in Amritsar. 👉🏻 And ofcourse a video that I had to share @uditnarayanmusic sir. It was a magical feeling to hear his voice (no auto tune like we have these days 😅) ⭐️ All in all, last 3 months taught me a lot about life and how you can’t control everything that happens. Let it go because it will eventually go 🙌
Culture & Kulcha 🤌 That’s how I would describe my experience in Amritsar 🌸 From the past two months, I was unwell and the last few weeks are like breath of fresh air 🌬️🤍 I had kidney stones which made my life difficult because they weren’t too big to be operated but weren’t too small as well. It took the soul out of me everytime it moved. I couldn’t create content like before and all I could feel was guilt and remorse. ✅ And it was at the event of Festival of Ideas that I could finally go out of my house for work. I felt completely in my element 🩵 1️⃣ Ek cheez samaj li hai ke har samay guzar jata hai chaahe woh achha ho ya bura ⏱️ 🚀 Also got the Vicharjeevi Award 2023 by @uday_533 @newsxonline 👉🏻 In the event I shared my opinion as to how in India, its still difficult to talk about money, especially by Parents who don’t share the financial situation with their children. 👉🏻 Honest conversations within a home, between siblings, married partners and colleagues should be done, but we all need to take that first step and somewhere I am guilty of that too. 👉🏻 Coming to Amritsar, it was hella cool to see the entry prepared by the students of @gnauniversity. It’s something that I have never seen and because of this I will always remember my experience in Amritsar. 👉🏻 And ofcourse a video that I had to share @uditnarayanmusic sir. It was a magical feeling to hear his voice (no auto tune like we have these days 😅) ⭐️ All in all, last 3 months taught me a lot about life and how you can’t control everything that happens. Let it go because it will eventually go 🙌
Culture & Kulcha 🤌 That’s how I would describe my experience in Amritsar 🌸 From the past two months, I was unwell and the last few weeks are like breath of fresh air 🌬️🤍 I had kidney stones which made my life difficult because they weren’t too big to be operated but weren’t too small as well. It took the soul out of me everytime it moved. I couldn’t create content like before and all I could feel was guilt and remorse. ✅ And it was at the event of Festival of Ideas that I could finally go out of my house for work. I felt completely in my element 🩵 1️⃣ Ek cheez samaj li hai ke har samay guzar jata hai chaahe woh achha ho ya bura ⏱️ 🚀 Also got the Vicharjeevi Award 2023 by @uday_533 @newsxonline 👉🏻 In the event I shared my opinion as to how in India, its still difficult to talk about money, especially by Parents who don’t share the financial situation with their children. 👉🏻 Honest conversations within a home, between siblings, married partners and colleagues should be done, but we all need to take that first step and somewhere I am guilty of that too. 👉🏻 Coming to Amritsar, it was hella cool to see the entry prepared by the students of @gnauniversity. It’s something that I have never seen and because of this I will always remember my experience in Amritsar. 👉🏻 And ofcourse a video that I had to share @uditnarayanmusic sir. It was a magical feeling to hear his voice (no auto tune like we have these days 😅) ⭐️ All in all, last 3 months taught me a lot about life and how you can’t control everything that happens. Let it go because it will eventually go 🙌
Suggest more ✌️ My fav was the 3rd one because it was relatable and funny 😆 Tag/Share w your homies and enjoy the weekend ❤️✅ #bollywood #series #movie
Share & Save ✌️ $100 Billion Destroyed 💥 👀 Watch the video to know about an illegal practice in India in which even movie stars and ministers are involved 🎞️ 🤯 This financial series on @disneyplushotstar blew my mind when I watched it. At every moment I was hooked to my seat. So, if you like thrillers and financial crime, do watch it 💁🏻♀️💁🏻♀️ AD #HotstarSpecials #Kaala @disneyplushotstar #hawala
Part- 1 of Save Income Tax Series Share this scheme with everyone and save it 📌 There will be total 10 parts in this series. The only objective of this series is to make you aware of the tax saving options in India and how you can utilise them to save as much tax as you can while earning above average returns. Follow to see all parts. Hope it helps 😊 #save #tax #personalfinance
Get HIGH Paying Job ‼️ ✨ Transform your career and make a difference by doing these Secret Finance Certifications. Join Aditya Birla Sun Life Insurance as a Life Insurance Advisor and enjoy a flexible career with unlimited earning potential while helping secure brighter futures. @abclifein LINK IN BIO!🔗 #ABSLI #CareerOpportunities #JoinABSLI #LifeWithPurpose#Finance #LifeInsurance #InsuranceAgent #ad
Share this video ✅ GET FREE CALCULATOR ‼️ Watch this video to checkout the free Excel calculator I have created which will help you in taking a decision buying a house or renting one. So use this excel to clear any doubts that you have because of social media. I have merged the Home Affordability Calculator in this so you can first if you afford a house. #home #rent #personalfinance #homeloans #realestateinvesting
Share this Reel ✅ 👉 RBI Notification RBI/2018-19/206 DBR.LEG.BC.No.47/09.07.005/2018-19 https://www.rbi.org.in/commonperson/English/Scripts/Notification.aspx?Id=2979 ⭐️ Let’s understand what is BSBDA ⭐️ 1️⃣ What is a Basic Savings Bank Deposit Account (BSBDA)? 📌 A BSBDA is a special type of savings account that is designed for people with low incomes. It has no minimum balance requirement and low fees. 2️⃣ What are the benefits of having a BSBDA account? 📌 There are a number of benefits to having a BSBDA account, including: * No minimum balance requirements * Access to a variety of banking services for free such as ATM withdrawals, online banking, and mobile banking * You will get a passbook and Debit Card for Free * No joining fee 3️⃣ Can I have more than one BSBDA account? 📌 No, you can only have one BSBDA account. 4️⃣What are the KYC norms for BSBDA accounts? 📌 To open a BSBDA account, you will need to provide the following KYC documents: * An Aadhaar card * A valid address proof, such as a electricity bill or bank statement 👉 So if you are a student or someone who can’t maintain minimum balance then get it opened from any bank in India. 👉 You can also convert your Regular Savings Account into BSBDA. 👉 Please check the exact features from the respective bank as it might vary from one bank to another and you might have to pay extra for some.
✅ THE ONLY GOVT. SCHEME FOR RETIREMENT 👴🏼NPS (National Pension System) 👉 Toh kya aapko bhi darr hai kahi paise budhhape tak kum na padd jaye? 👉 And are you between 18-50 years old? 🙏 Then don’t miss out on this and share this reel with you Family & Friends ❤️ ⭐️ Do checkout the Youtube video to know all its pros and cons before investing (Link in Bio) ⭐️ The video includes these aspects: – What is NPS about? – Tax Benefits – Where is your money invested? – How much money you need to invest? – Past Returns of the Scheme – How to open an account? – Partial Withdrawal Rules – What to do after Retirement? ✅ Basically everything that you need to know about this scheme is covered extensively.
✅ Share it w your family ⭐️ Get Senior Citizens’ Savings Scheme (SCSS) with a minimum deposit starting at just ₹1000. ⭐️ Suitable for those 60 or early retirees at 55, and our defense heroes at 50! 💪 ⭐️ Grow together with an individual or joint account with your spouse ✌️ 👉🏻 Enjoy Quarterly interests and Tax deductions u/s 80C ✅ 👉🏻 Extend or close after 5 years based on your plan 👉🏻 Current Interest Rate 8.2% 📌 Account can be opened in Bank Branch and Post Office 📌 After one year of opening the account, premature withdrawal is allowed. But a 1.5% charge and a 1% charge of the total amount deposited will be charged in case of premature withdrawals after one year and two years. 🚨The amount should be deposited within one month from the date of receiving the retirement benefit from the employer 🚀 Save this information and follow @thehimanichaudhary 💸 [ Senior citizen savings scheme government scheme scss invest fixed deposit indian government]
🤫 HOW LANDLORDS LIE TO YOU 🚨(Share & Save ✅) You landlord can make things difficult for you. But Government has made certain laws to protect YOU. So be aware of your rights as a Tenant, find them below 👇 🔷 Acc to Rent Control Act 1948, your Rent Agreement should mention how much rent can be increased and give notice of 3 months before increasing it. 🔷 As per Model Tenancy Act, Landlord cannot ask for more than 3 months of Rent as Deposit. It is fully functional in these states- Uttar Pradesh, Tamil Nadu, Andra Pradesh, Assam 🔷 If there is a disagreement, landlord cannot withhold basic necessities like water supply, electricity etc. 🔷 Landlord cannot enter the flat without your permission. 🚨 But landlord can evict you, if you are not paying rent or paying it late. So its better to pay the rent through your Credit Card on 1st of every month. ✅ You can do that through @housingindia Pay on Credit feature and repay anytime till 45 days of payment (Link in Bio 🔗) ✅ SKIP CONVENIENCE FEE FOR FIRST TIME USAGE, USE MY CODE HIMANI123 LINK IN BIO 🔗 {pay rent with credit card for house}
🚨 SCAM ALERT 🚨 👉🏻 SEBI has penalised more than 44 registered investment advisors in 2023 owing to non compliance of regulations 👉🏻 This company did these things 1️⃣ False Promises: Money Market Manthan made false promises on its website, saying you’d definitely make big profits by following their advice. This is not allowed because it’s impossible to guarantee profits in the stock market. 2️⃣ Tricking Clients: The company manipulated how they assessed clients’ willingness to take risks when investing. If a client didn’t initially want to take high risks, they would ask them questions in a way that made them seem like they did. 3️⃣ Overcharging: Money Market Manthan charged its clients too much money. They started with low fees but then suddenly increased them after gaining the client’s trust. Collected 3x money as fees for small investment amount. 4️⃣ Weak Penalty: Despite these wrongdoings, the company and its founder were fined a relatively small amount compared to the money they made. 👉🏻 They earned 1.4 cr. in 2018-19 and paid a penalty of 8 lacs plus refund
❌ Don’t miss this Secret Hack! 👉🏻 Starting from 1st April 2023, the tax will be levied on proceed of life insurance which will include: 📌 Sum Received including Bonuses in between the policy 👉🏻 However, no tax will be applied if the sum is released on death of the individual ❌ And no tax is levied on ULIPs because it already has a tax structure in place (if premium > 2.5 lacs) ❌ Even Term Insurance proceeds won’t be taxed since the payment is done on death of the individual ✅ Follow @thehimanichaudhary for financial world updates and knowledge (life insurance tax term insurance ulips)
