Struggling to get a confirmed train ticket this festive season? Then check out the reel for hacks to get a confirmed ticket! But remember, these hacks come with conditions: 1. Using Charts to locate vacancy Keep in mind that the waiting ticket should be obtained from the ticket window. Online unconfirmed tickets are not eligible for this! If you book online and your ticket isn’t confirmed by the chart preparation time, you can’t board the train. You’ll get a refund instead. And Train Ticket Examiners (TTE) can refuse to give a ticket. If that happens, you’ll need to get off at the next stop. 2. Confirmedtkt App Do note Confirmtkt app charges convenience fees. So, you can use Confirrmtkt to check the availability & book tickets from IRCTC only. Source: Economic Times Article: Traveling by train? Here is how you can travel without a confirmed ticket.
First the government and now RBI has given good news! The RBI MPC has cut the Repo Rate for the first time in 5 years from 6.5% to 6.25% in a bid to stimulate economic activity. This came in the backdrop of a slowing economy, which is estimated to grow at 6.4% in FY2024-25, the slowest in four years. The RBI estimates GDP growth in next fiscal year at about 6.7%. The CPI inflation for 2025-26 is projected at 4.2% which is under the RBI’s tolerance band. What does this mean for you? Lower EMIs, cheaper loans, but also a drop in FD rates [Anushka Rathod, Reserve Bank, Interest Rates, Fixed deposits, Low EMI] #anushkarathod #reservebank #interestrates #Fixed Deposits #lowemi
HIDDEN SALARY ACCOUNT BENEFITS! Is your salary account feeling more like a savings account? But it is not!! Check out the whole reel to know all the salary account perks! Do note that banks have different types of salary accounts depending on your income level. And accordingly, the benefits will vary! Sources: SBI, HDFC Bank, Axis Bank, Kotak Bank
Ready to buy a new phone this sale season? Don’t get caught in the tech trap! Here’s your checklist to ensure you’re not getting duped when buying a new phone! And here are the links to check the Serial Numbers: Apple: https://checkcoverage.apple.com/ Xiaomi: https://www.mi.com/global/verify/#/en/tab/imei Samsung: https://www.samsung.com/us/support/warranty/#Warranty_Checke Oneplus: https://service.oneplus.com/in
With the latest RBI rate cut, banks must pass on the benefit of lower interest to borrowers. However, borrowers get 2 options. Either to keep the EMI same and reduce the tenure, or to reduce their EMI and keep their tenure same. But what should you choose? On a 1 crore loan One option saves you 11 lakhs while one saves you just 4 lakhs, the difference is huge! Watch till the end to make the right decision. Don’t forget to share this with anyone who has a home loan! #anushkarathod #homeloan #reservebank #ratecut #homeloanemi
I have failed a lot & I have made a lot of mistakes. And that is okay. If you want to grow it is rather inevitable. But what is not ok, is not learning from them. So based on a few of my failures, I have documented my observations on how I can improve. For past couple of weeks, I have been thinking about all my missed opportunities and imperfect executions as a creator. But what is done is done. We can’t revisit the past. In hindsight, we all could do things better. So, after dwelling for weeks on my failures, I wrote down my thoughts and am making active changes to not repeat them. I plan to do this exercise every month to keep tabs on my growth and learning. What are some of your mistakes and failure learning?
I have failed a lot & I have made a lot of mistakes. And that is okay. If you want to grow it is rather inevitable. But what is not ok, is not learning from them. So based on a few of my failures, I have documented my observations on how I can improve. For past couple of weeks, I have been thinking about all my missed opportunities and imperfect executions as a creator. But what is done is done. We can’t revisit the past. In hindsight, we all could do things better. So, after dwelling for weeks on my failures, I wrote down my thoughts and am making active changes to not repeat them. I plan to do this exercise every month to keep tabs on my growth and learning. What are some of your mistakes and failure learning?
I have failed a lot & I have made a lot of mistakes. And that is okay. If you want to grow it is rather inevitable. But what is not ok, is not learning from them. So based on a few of my failures, I have documented my observations on how I can improve. For past couple of weeks, I have been thinking about all my missed opportunities and imperfect executions as a creator. But what is done is done. We can’t revisit the past. In hindsight, we all could do things better. So, after dwelling for weeks on my failures, I wrote down my thoughts and am making active changes to not repeat them. I plan to do this exercise every month to keep tabs on my growth and learning. What are some of your mistakes and failure learning?
I have failed a lot & I have made a lot of mistakes. And that is okay. If you want to grow it is rather inevitable. But what is not ok, is not learning from them. So based on a few of my failures, I have documented my observations on how I can improve. For past couple of weeks, I have been thinking about all my missed opportunities and imperfect executions as a creator. But what is done is done. We can’t revisit the past. In hindsight, we all could do things better. So, after dwelling for weeks on my failures, I wrote down my thoughts and am making active changes to not repeat them. I plan to do this exercise every month to keep tabs on my growth and learning. What are some of your mistakes and failure learning?
I have failed a lot & I have made a lot of mistakes. And that is okay. If you want to grow it is rather inevitable. But what is not ok, is not learning from them. So based on a few of my failures, I have documented my observations on how I can improve. For past couple of weeks, I have been thinking about all my missed opportunities and imperfect executions as a creator. But what is done is done. We can’t revisit the past. In hindsight, we all could do things better. So, after dwelling for weeks on my failures, I wrote down my thoughts and am making active changes to not repeat them. I plan to do this exercise every month to keep tabs on my growth and learning. What are some of your mistakes and failure learning?
I have failed a lot & I have made a lot of mistakes. And that is okay. If you want to grow it is rather inevitable. But what is not ok, is not learning from them. So based on a few of my failures, I have documented my observations on how I can improve. For past couple of weeks, I have been thinking about all my missed opportunities and imperfect executions as a creator. But what is done is done. We can’t revisit the past. In hindsight, we all could do things better. So, after dwelling for weeks on my failures, I wrote down my thoughts and am making active changes to not repeat them. I plan to do this exercise every month to keep tabs on my growth and learning. What are some of your mistakes and failure learning?
Your bank may not reduce your home loan interest immediately after a rate cut! But being proactive here can save you lots on interest! Banks may take upto 3 months to pass on rate cut benefits. However, some simple actions on your end can help you lower the interest rates earlier. Watch the video to know what steps to follow! Don’t forget to share it with anyone who has a home loan! #homeloans #homeloanemi #rbiratecut #bank #nextsteps
Do you forget your wallet frequently? Well, worry not! Watch this reel to discover a lifesaver for those wallet-less moments – Cashless ATM Withdrawals. It’s very easy, but there are a few things to keep in mind. → Depending on your bank, there might be a small fee for using the cashless withdrawal service. For instance, HDFC Bank charges just ₹25 plus taxes for each transaction. → Keep in mind that the process can vary from one bank to another, so it’s a good idea to check with your bank. It is available with most leading banks but not with all banks. → Each bank sets its own minimum and maximum withdrawal limits. In HDFC Bank’s case, you can withdraw as little as ₹100 or as much as ₹10,000 in a single transaction. So, if you’re a fellow forgetful soul like me, keep this trick up your sleeve for those unexpected moments!! I was not allowed to shoot at the ATM hence took the ATM layovers from TechnoBanking’s YT channel.
Exciting news! UPI has just introduced Pre-sanctioned Credit Lines to make your financial life easier. Basically, this is like a “Buy Now, Pay Later” service through UPI! With this, you can use a credit line from your bank to pay for things with UPI even when you don’t have enough money in your account or wallet. This new feature can be handy for when you need money quickly for your working capital needs and unexpected emergencies. But, it’s important to know that it’s not entirely free. there are processing fees involved and the interest rates can be on the higher side. So, before diving in, make sure to carefully review all the details to make an informed decision about using this feature.
Your grandparents, great great parents might have left money that you don’t know about! For such unclaimed money, Reserve Bank of India (RBI) has launched a new centralized web portal, UDGAM (Unclaimed Deposits – Gateway to Access Information). You can get access to information about unclaimed deposits pertaining to 30 banks. Here’s a step-by-step guide to registering on UDGAM and checking the status of your unclaimed deposits: Step 1: Visit the UDGAM website and log in with your credentials, mobile number, password, and captcha code. Step 2: Receive a one-time password (OTP) on your phone. Enter it and log in. Step 3: Enter your name and choose your bank from the list. Step 4: Provide identification details like PAN, Voter ID, Driver’s License, Passport, or Date of Birth. If you don’t have these, fill in address and state details. Step 5: Click the search button. Any unclaimed deposits in your name will appear on the screen. If you don’t know the bank, select ‘ALL’ for a comprehensive search in under a minute. If some banks couldn’t be searched, you’ll be notified with the option to explore them separately. Do note the claim process differs from Bank to Bank! So, go ahead and reclaim your forgotten funds hassle-free with UDGAM!
Are there any benefits of using RuPay Cards? Yes there are!! Check out the whole reel to know! Do note: 1. Banks may reject applications for transferring to RuPay Cards. 2.Reward points when using a credit card through RuPay may differ from using the credit card directly. 3.We confirmed with SBI that their new cards have NCMC features by visiting their branch, but other banks may not have rolled out this feature yet. * Rupay Credit Card linked to UPI has no MDR charges on transactions upto ₹2000. MDR is levied on the merchant Sources: MoneyControl Article: Why has RuPay rattled Visa and MasterCard? EconomicTimes Article: Government asks banks to issue mobility-enabled cards
Do you have jewelry at home? If so, consider watching this entire reel to ensure their safety! And here are some important points to keep in mind: 1. The insurance premiums will vary depending on your specific situation. 2. The bank will not be responsible for any loss or damage to the contents of your locker caused by natural disasters or acts of God, such as earthquakes, floods, lightning, thunderstorms, or any actions solely due to customer negligence. 3. In the event of fire, theft, burglary, dacoity, robbery, building collapse, or fraud committed by bank employees, the bank’s liability is limited to 100 times the annual rent. So, check out our jewelry insurance or Valuable Contents Cover to protect your treasures! #finance #anushkarathod #jewellery #insurance #valuables
Looking for a Mumbai home? Explore @simana_bhoomi in Lalbaug, Parel! Under-construction by Bhoomi Group, it offers 2, 3, 4 & 5 BHK luxury homes with amenities like a pool, gym, club house, garden, amphitheatre and more. It is being build on freehold property with Less density structure! Plus it is Centrally Located & Possession is expected in coming time Check their website for details ! Bhoomi SIMANA Rera no: P51900033361, P51900033360 www.simana-bhoomi.com
Did you know your upskilling can save you taxes? Don’t believe us? Watch the entire reel to know!
Investing Game Plan for 2025 [Anushka Rathod, Financial planning, Investing 2025, 2025 ready] #anushkarathod #financialplanning #investing2025 #2025ready
Markets are volatile, hence you need to allocate better! If you’re starting a SIP in 2025, Hybrid Mutual Funds could be a smart choice! They balance equity & debt, adjusting with market conditions to reduce risk while maximizing returns. Want to know why they perform better during market crashes? Check out the post & start investing wisely! [Anushka Rathod, Hybrid Mutual Funds, Mutual Funds, Equity, Debt, Market Crash] #anushkarathod #hybridmutualfunds #mutualfunds #equity #debt #marketcrash
FD rates might be going down, but you can act now to lock in a good rate @stable_money_official , registered under RBI, can help. They have done massive innovation in FDs where you: Say goodbye to premature withdrawal penalties with numerous banks. 1. Start investing for as less as ₹1000 2. Bid farewell to juggling multiple bank accounts. 3. Get access rates from a whopping 200 banks, spanning various tenures, all in one place! 4. Can compare and pick the FD option tailored to your financial aspirations. Plus, RBI insures deposits up to ₹5 Lakhs in commercial banks! And here’s the icing on the financial cake! Refer a friend, and you’ll earn a 1% cashback on their FD amount!! (PLEASE NOTE: The referral is only for FDs in Bajaj Finance and Shriram Finance) But do note there’s no guarantee that FD rates are on a downward trend– they might even climb higher! It all hinges on what the future holds and how the economy shapes up. So, don’t miss out on this opportunity to lock-in FD Rates! Checkout the Stable Money app today with the Link in my Bio! #ad
2024 taught me where my money really goes. In 2025, it’s time to spend smarter, save bigger, and plan better. #AnushkaRathod #FinanceGoals #MoneyManagement #2025Planning #BudgetBetter #Personalfinance
Here’s how the 4% formula works to set a reasonable spending limit: The “4% of net worth” rule is based on the idea that you can safely withdraw 4% of your investments annually without running out of money. So this gives a realistic idea of how much your savings can support each year and helps balance your current spending with your long-term goals. For example, if your net worth is ₹1 crore and your annual income is ₹25 lakh, your spending limit should be ₹14.5 lakh. Even though ₹1 crore sounds like a lot, you’d need around ₹3.7 crore invested to fully support this spending if you lost your income. So, ₹1 crore is still far from financial independence. On the other hand, if your income is ₹25 lakh and your net worth is ₹5 crore, you can afford to spend most of your income since you’re closer to financial independence. This formula keeps spending tied to your net worth, not just income, and helps avoid lifestyle inflation. It ensures you enjoy life now while staying on track for long-term financial security. [Anushka rathod, finance, investment, finding balance, savings, lifestyle creep] #anushkarathod #finance #investment #findingbalance #savings #lifestylecreep
