If you are looking to get that latest phone, laptop, headphones or anything else under the sun – hold your horses! 🫡 Tata Neu The Grand sale is now underway, and it’s featuring some fantastic discounts across various categories!🥳 A whopping up to 70% off on Electronics!😌 What’s more, you can earn 5% Neu Coins with every purchase, which you can redeem later for your future shopping needs!🙌🏼 Make sure to follow @tataneuofficial to know more!💻 . . #collab #TataNeu #TataNeuTheGrandSale #Shopping #TheGrandSale #Rewards #NeuCoins
More here👇 👵 Eligibility: – Available to individuals aged 60 and above. – Individuals aged 55-60 who have retired under a voluntary retirement scheme (VRS) or superannuation can also open an account within one month of receiving their retirement benefits. 💵 Investment Limit: – Deposit a minimum of Rs. 1,000 and a maximum of Rs. 30 lakh. 📅 Tenure: – Fixed maturity period of 5 years, extendable for an additional 3 years. 💸 Interest Rate: – The interest rate on SCSS is typically higher than that of regular savings accounts. – The rate is set by the government and is subject to periodic revisions. 💼 Account Type: – Open an SCSS account at designated post offices and authorized banks. 🏦 Tax Benefits: – Eligible for a deduction under Section 80C, with limits. – Taxable interest income, but subject to deductions. 📆 Interest Payout: – Quarterly interest payouts for regular income. 💡 Premature Withdrawal: – Allowed after 1 year, but with a penalty. 💼 Account Transfer – Transfer your SCSS account between authorized banks or post offices. 📊 Investment after Maturity: – Extend for 3 more years at a potentially higher interest rate. #personalfinance #financialliteracy #interestrates #financialeducation #postoffice
You won’t believe how my Navratri went this year! It was already good, but it became the absolute BEST thanks to the Scapia Federal credit card! Why, you ask? Well, by simply paying for everything with Scapia, I earned Scapia Coins back, which I can now redeem on the amazing Scapia App to plan my winter trip! So, don’t let your money just slip away – make your spending work FOR YOU! @shreyaakapoor_ , can’t wait to see your version! 😄 Check out more details about the Scapia Card from the link in my Bio!
YOUR GOLD INVESTMENT IS BLEEDING MONEY (AND YOU DON’T EVEN KNOW IT) 🤨 While gold prices soar to record heights and even the RBI is stockpiling, most people are investing completely wrong! Let me reveal the golden truth! 😅 PHYSICAL GOLD: That necklace isn’t the flex you think it is bleeding 10-30% in making charges. Hemorrhaging another 3% in GST. Constantly paying for security and storage costs. Verdict: Perfect for your wedding photos, terrible for your financial future! 🫠 DIGITAL GOLD: The modern trap Escape physical storage? Yes. Escape fees? ABSOLUTELY NOT. Silent wealth killer: 3% GST upfront plus 2-5% vanishing when you sell. Verdict: Better, but still robbing your returns!🙏🏼 GOLD ETFs: The wealth-builder’s secret Pure gold exposure through mutual funds. Zero GST. Zero making charges. Lightning-fast liquidity. Trade effortlessly through your Demat account. Verdict: THIS is how smart money plays the gold game!🌱 Top gold ETFs to consider (According to ET Money) are: SBI Gold fund Aditya Birla Sun life gold fund Axis Gold Fund Nippon India Gold savings fund Kotak gold fund Share this with a friend who keeps buying “investment jewelry” – they desperately need this!✨ . . [gold, gold investment, RBI, personal finance, finance tips, gold jewellery, money tips, investment tips]
My husband just wrapped up his MBA abroad and here is everything we have learnt about abroad education loan that can help YOU save lakhs!🙌🏼 💡 The moratorium period trap: While you don’t need to make payments during study period 6 months, interest often COMPOUNDS silently. Start repayments early if possible!🌱 💡 Apply for MORE than you need – you’re only charged interest on what you actually use, not the sanctioned amount.☀️ 💡 Initially we were applying directly to banks. Then we came across WeMakeScholars – the Government of India funded initiative. The process was much faster and with a very low rate. 🙏🏼 Over the last 8 years WeMakeScholars has helped 1,00,000 students in arranging their Study Abroad finances. ☀️ For those planning to study abroad in 2025, check out SAFE 2025 – India’s Largest Study Abroad Funding Expo happening in 6 cities. ✨ You can hear to expert seminars on Study Abroad Scholarships from past winners. Also, compare loans from 15 banks in one place. Walk away with instant pre-approval at India’s lowest rates✨ The event is completely FREE and supported by Govt. of India under Digital India Campaign!🌟 Comment ‘Abroad’ to get the link! 🙌🏼 . . [education loan, education abroad, loan tips, abroad education]
If you are moving abroad for your education, know that the job market is only as good as how prepared you are in advance. ✨ Here are some tips that have helped my friends/ family with the same and I know will def be of immense use: 1. Talk to your current employer: About transfer opportunities to their international offices or partner organizations or just an internship during your education period. Literally all MNCs have this avenue so don’t be too afraid to ask your HR to connect you to your target country’s office. Many companies prefer internal transfers over external hires, and your manager might connect you with valuable contacts abroad.🙌🏼 2. Create a professional resume website: Do this to showcase your skills and make yourself discoverable to international recruiters. Include a portfolio of your work, testimonials etc. Doing it over a website is better than a CV as a website is more dynamic and separates you from the sea of CVs. 🌟 You can easily build a customised website with a tool like Odoo! 🌱 3. Learn AI skills: Do this to significantly boost your marketability, as AI expertise is in high demand globally across industries. Consider specialised certifications in machine learning, data analysis, or AI tools that are relevant to your field.☀️ Share this with someone who is moving abroad for their education or work! 🙏🏼 . . [personal finance, personal branding, work abroad, international students, MBA, job tips, money tips]
Wedding expenses are always a shocker and if you need a breathing room I found a genius way to manage wedding jewellery expenses! 🙌🏼 With CaratLane, split payments into monthly installments and after 9 on-time payments, they cover the 10th, making your budget a lot easier to handle.💍 Visit a store near you or shop on their app for more information and to shop the trendiest designs! ✨ . . #CaratLane #KhulKeKaroExpress #MyCaratLaneStory #GiftACaratLane
Airline stopovers transform mundane travel connections into exciting mini-adventures. ❤️ By intentionally scheduling stops longer than 24 hours, travelers can explore new cities without significant additional cost. 🌟 These programs essentially allow you to experience multiple destinations within a single trip itinerary.🌱 Something to be mindful of is the potential additional taxes and fees, and always compare stopover pricing against traditional ticket purchases. ✨ I recently availed this feature in Abu Dhabi with Etihad and it was truly wonderful! So give it a try next time you are flying international! ☀️ . . [stopover program, airline hacks, travel hacks, travel tips, Abu Dhabi, etihad airways, Ferrari world, personal finance]
Ever thought a “lower” rate might actually cost you more? 😅 Watch to know how a 12% flat rate can drain more from your wallet than a 20% reducing balance rate. 🙌🏼 Many borrowers get trapped by seemingly attractive low-percentage flat rates, not realizing they’re actually paying more in the long run. ✨ A flat rate calculates interest on the entire principal amount throughout the loan tenure, while a reducing balance rate charges interest only on the remaining outstanding amount. 🙏🏼 Don’t just look at the percentage – understand how it works! @finnabletech gives you personal loans in a simple transparent process. 🌱 Check out the app using the link in my bio!📱 . . [loans, loan tips, personal finance, finance tips, money tips, personal loan, home loan]
Wedding pro tip: Put those big day expenses to work! 🌟 By charging wedding costs (venue, catering, flowers etc.) to a travel rewards card, you can rack up serious points. 🙌🏼 Wedding is probably the only time in your life where you are spending lakhs on outfits, gifts, decor, food and more so put them on a damn credit card!✨ That is exactly how I covered the cost of our business class airfare from Delhi all the way to Toronto!🍁 Just remember: only charge what you can pay off to avoid interest eating up those rewards. Smart spending = sweet travel perks!🫶🏼 An argument that I get against this – “We are paying in cash”. And that’s okay but a philosophy I had during my wedding was if I’m spending my money on something I am putting that on a credit card so that I get some ROI out of it! 🙏🏼 Share this with someone you want to take your next business class flight with! ❤️ . . [business class, flight, points, miles and points, credit card points, Etihad, Personal finance, wedding tips]
Some say time is money and when it comes to wedding planning – it could not be more true! 🫠 Juggling vendors, venues, and your sanity? Meet your new wedding planning bestie: Odoo’s project management. 🙌🏼 Track every detail, from cake tastings to flower arrangements, all in one place.🌱 Say goodbye to scattered spreadsheets and stress-induced headaches. With Odoo, you’ll save both time AND money by keeping your budget in check and deadlines on track.🫶🏼 Save this for your reference and share this with brides and grooms to be! ✨ . . [wedding tips, wedding hacks, money tips, personal finance, marriage hacks]
An airline alliance is when different airlines team up and work together. Think of it like they become friends who help each other’s passengers. 🙌🏼 The three big alliances are Star Alliance, OneWorld, and SkyTeam.🌟 Here’s how you can save money with airline alliances: Using miles: If you have miles with one airline, you can use them to book flights on their partner airlines too. For example, if you have United Airlines miles, you can use them to fly on Lufthansa because they’re both in Star Alliance.🌱 Earning miles: When you fly on any airline in an alliance, you can earn miles for your favorite airline’s program. So if you love collecting American Airlines miles, you can earn them even when flying on British Airways.🖇️ Better connections: You can book one trip using different partner airlines, often for less money than booking separate tickets. For example, you might fly United to Europe, then switch to Lufthansa for your next flight, all on one ticket.✨ Shared perks: If you have special status (like Gold or Platinum) with one airline, you usually get similar benefits when flying with their partner airlines, like lounge access or free bags.☀️ We have made an entire list with all airline alliances – just comment the work “Airline” and we will DM it to you.❤️ Save this video for future reference and share this with your travel buddies! 🙌🏼 . . [travel tips, airline hacks, airline tips, personal finance hacks, finance tips, travel hacks]
“I’ll be okay, I have got my girls” ❤️ The wedding week was chaotic, to put it mildly. I couldn’t find a matching duppata to my mehendi outfit, my engagement outfit didn’t come in till the last day and well the wedding was a whole other story. My girlfriends stepped up and how! ❤️ I could not be more grateful for this group of girls. I genuinely couldn’t have done it without them. ❤️ Thank you so much ❤️
Ready to make your wedding budget work harder? 💍✨ As a recent bride, I discovered the perfect financial companion – Kotak 811Super savings account! 🌟 From venue bookings to decor payments, this premium account is a game-changer: * No minimum balance commitment – keeps my funds flexible * Complimentary Platinum Debit Card with 5% cashback up to ₹500/month That’s how I’m turning my regular savings account into a wedding planning powerhouse! This is truly what they mean by “Khaate ka Promotion”! Hit the link in bio to learn more!🙌🏼 . . #Kotak811 #Kotak811SuperApp #KhaateKaPromotion #811Super
Comment “New” to get the complete breakdown of the taxes! 🫶🏼 If you have opted for the new tax regime, then you would know that your income upto 7.5L is tax free.🙌🏼 This is possible because you can claim 50,000 as standard deduction and then bring your taxable income down to 7L. 🫡 But what happens if your income grows marginally? Say only by Rs. 10,000 – What are the implications then.🫠 Well then if tax slabs are to be followed – your tax liability becomes Rs.26,000.😅 But this is where the marginal relief comes in. 🫡 As per the marginal tax relief, the amount of tax one needs to pay on income between Rs. 7,50,001 and Rs. 7,77,778 is the additional income above Rs 7.5 lakh and not the tax liability as per the slabs. 🙌🏼 This helps in avoiding a situation where a marginal increase in taxable income leads to a much higher increase in tax outgo. 🙏🏼 Comment “New” to get the excel sheet with complete breakdown!🌟 . . [tax, new tax regime, tax tips, taxes, personal finance, save tax, taxation, finance tips, tax saving, money, new regime]
If you have a home loan, this information could potentially make you money! 😌 It is extremely common for banks to not give back property documents even when the home loan is fully paid off! 🤌🏼 After numerous complains to the RBI – here is the silver lining: The Reserve Bank of India (RBI) has ordered banks and NBFCs to release all original property documents which have been kept as collateral, within 30 days of full payment of loans failing which the bank will face financial penalty.🙌🏼 This penalty is as high as INR 5,000 a day for the delay! So if you are planning to pay back you loan anytime after 1st Dec, 2023 – this rule applies to you! 🌱 Know your rights and share this information with all the future home owners in your group!✨ . . {home loan, property, loan, RBI, Home loan tips}
If you are planning a baby anytime soon, then this information is vital! 🙌🏼 You office provided health insurance will most likely not cover your maternity costs which can be over 2 lakhs, especially in metro cities! 🏥 Maternity insurance is an absolute necessity not just to cover delivery related costs but also infertility and its treatments. 🙏🏼 If you are planning on starting a family anytime soon – it is impotant that you opt for maternity insurance NOW and here is why: Most maternity insurances have a waiting period of 1-3 years. This means that if you are pregnant today and take insurance now – your delivery will not be covered in most cases!❌ Buy maternity insurance at least 12-24 months before you begin family planning! I have also provided a list of maternity insurance options available in India – make sure you take a screenshot!📱 Don’t forget to share this video with someone who is planning for a baby! 🍀 . . [Pregnancy, maternity insurance, maternity, baby, insurance, delivery costs]
In general, while taking a home loan there are multiple benefits you get if you have a co-borrower. To name some: – Better eligibility: The income of both borrowers is considered while processing the application. – Higher chances of loan approval: Having a co-borrower with a strong credit profile and stable income can increase the chances of loan approval as lenders may consider the co-borrower’s financial stability. – Higher loan amount: Banks may sanction loan amounts ranging from just a few lakhs to a substantial percentage of the total cost of an upscale property in a prime location if you have a co-borrower. – Increased repayment flexibility: Your repayment schedule may be more flexible with a co-borrower. This enables both borrowers to utilize their income to repay the loan. – Tax benefits: Both borrowers can claim a tax benefit from the repayment of the Home Loan, as long as they’re co-owners of the property. Under given conditions and limits, both parties are eligible to claim tax benefits to an extent. But these benefits get even better with a woman co-borrower as: As the interest rates of home loans are directly based on the risk profile of the applicant, women tend to enjoy a concession on home loans. ✨ Many banks and NBFCs have introduced exclusive home loan packages for women. 🙏🏼 Some states offer an additional benefit for women where they can avail a home loan at lower house registration charges than men applicants.🍀 Share this with someone who is planning on taking a home loan! 🙌🏼 Concept inspired by: @gauravmotivegroom . . Home loan, loan, loan tips, personal finance, bank loan, finance tips, women borrower.
It is the most magical time of the year – Diwali is just around the corner! ❤️ Come along as I take you around some of the most iconic spots in Delhi, afterall Delhi is more than just the high AQI city!🫠 We start off our day with some delish food in paranthe wali gali and then make our way to get some lights! Next on the agenda – Jewellery! Especially with Dhanteras around the corner – what could be a better opportunity than to buy some gold to mark the auspicious occasion! Net up – clothes! For this we make our way to the iconic connaught place in central Delhi! Here we also make a stop at Deapuls for their famous coffee and momos! We possibly can’t end the day without getting a few gifts for friends! And my choice this time around is books! I got these at the Oxford book store in CP! Ended the day walking around the beautiful Lodhi art district! 🫶🏼 Couldn’t have done it without my @getscapiacard which lets me tap away and collect coins which I can later redeem to book flights or hotel stays! 🙌🏼 You can check it out using the link in my bio! . . #delhi #ad #traveltips #delhitravel #olddelhi
Have you thought about the most valuable heirloom you can leave for your loved ones?🤔 It’s financial security.💰 Term insurance is the key to ensuring that your family’s future remains secure even in your absence. It safeguards their standard of living, covers daily expenses, and helps meet long-term financial goals. One such term plan is the Sampoorna Raksha Supreme policy by Tata AIA that offers some amazing benefits like – 15% lower premium rates for women, 4 hour claim settlement and 105% premium payback. 🍀 To learn more about securing your family’s future with term insurance, visit link in my bio or call 91 22 6984 9300 to speak to a Tata AIA expert NOW! @tataaialifeofficial . . #TataAIA #LifeInsurance #TataAIALifeInsurance #TataAIAkaBharosa #WhatElseWillYouLeaveBehind #TakeCharge #WomenEmpowerment #FinancialFreedom #FamilySecurity #Ad
Business owners are liable to pay income tax on the revenues generated by their venture. This can be a considerable sum! 🙌🏼 One way to significantly reduce taxes is by hiring family members. They can be paid salaries like the way other employees are paid. 🌱 If the family members who get hired by the company have no other income, then the company can pay them just Rs 2,50,000 a year. This will ensure that they don’t become liable to pay taxes. 🍀 Since the salaries paid to the employees is a cost to the company, it can be setoff against the company’s taxable income, thereby reducing the overall tax outgo of the company.🙏🏼 . . #taxtips #taxation #personalfinance #business #businesstax
Even in the 21st century it is hard for people to accept that women now are financially independent making their own money decisions. 🌱 Traditionally – men were seen as the finance heads of the family but now I know so many women who are even sole bread earners of their families! 🙌🏼 To celebrate this ongoing change – even banks are taking part! One such example is @aubankindia which made Kiara Advani their brand ambassador!🍀 Let’s also change with these changing times so soch badlo kyunki badlav humse hai!🙌🏼 Go and watch the ad film in the link in my bio! 😌 . . #ad #SochBadlo #AUSmallFinanceBank
You might hear insane dividends being announced and wonder if you buy the share today will you still be eligible for the same? 😅 Let’s break it down – When a company declares a dividend, it sets a record date when you must be on the company’s books as a shareholder to receive the dividend. 🙌🏼 The ex-dividend date for stocks is usually set one business day before the record date. If you purchase a stock on its ex-dividend date or after, you will not receive the dividend payment. 🫡 In India we follow the T 2 day settlement system which means it takes 2 trading days to show the transaction. Hence, buy the share a day before the ex-dividend date to get the dividend. 😌 Please note- I have had Coal India in my portfolio for over 1.5 years and it is not a stock recommendation by any means.🍀 . . #coalindia #stockmarketindia #dividends #personalfinance #personalfinancetips
If exotic destinations like Bali, Maldives, or Dubai are on your bucket list, then you should know that the govt has increased the TCS from 5% to 20%!🙃 This means that from October, if you spend 4 Lakh on an overseas tour, you will be charged Rs.4,80,000 in total instead Rs. 4,20,000. 😅 While Tax experts have claimed the TCS to be “excessively high,” the govt has clarified that the 20% TCS is to target high-value discretionary spending. 🙌🏼 However, you can collect a TCS certificate from your bank and claim a refund when filing an ITR using form 26AS!🌱 Also note that while remittance for education (that exceeds 7Lakh) will only attract a TCS of 0.5%. But living/maintenance expenses, the source of which is not the education loan & sent by a parent to their child living abroad will attract a TCS of 20%. I have covered this already in a previous reel!🫡 What do you think about this decision? Comment below! 🙌🏼 . . #traveltips #personalfinance #personalfinancetips #travelgram #taxtips