Trust me and wait till the end…. Also, do note very minor details are changed to conceal identity. #anushkarathod #india #marriage #destiny #love
GOOD NEWS FOR SALARIED EMPLOYEES! You could save thousands in taxes Check out the full reel to understand the impact For more clarity, here’s a simple breakdown Applicable only under the OLD tax regime 1. How HRA exemption is calculated HRA exemption is the lowest of the following three: 1. Actual rent paid minus 10% of basic salary 2. Actual HRA received from the employer 3. 40% or 50% of basic salary (depending on your city) Example (assuming you live in Bangalore) • Actual HRA received: ₹3,60,000 • 50% of basic salary: ₹3,75,000 (Earlier it was 40% i.e. 300,000 for bangalore) • Rent paid minus 10% of salary: ₹3,45,000 The lowest amount here is ₹3,45,000 So, the HRA exemption will be ₹3,45,000 Earlier, the exemption would have been ₹3,00,000 Now it increases to ₹3,45,000, leading to direct tax savings 2. Other important assumptions 1. 50% basic salary is the minimum as per the new labour code and can be higher 2. PF is calculated at 12% of the basic salary Benefits depend on whether your employer agrees to restructure your salary Please note, tax calculations can be complex Always consult your HR or CA before taking any decision If you have any doubts about this example, let me know in the comments [Anushka Rathod, Finance, Tax, India, Employee] #anushkarathod #finance #tax #india #employee
If you are a retail investor in India, this is good news for you. Check out the full reel to know what changed. For more details, here’s a simple example of goal-based investing: Say you choose a fund with a 30-year maturity. For the first 15 years, your allocation is growth-focused: Equity (high risk, high reward): around 65–95% Debt: 5–25% Plus, a small allocation to gold or silver. As your goal gets closer, like retirement, the fund automatically reduces risk: Equity comes down to around 5–20% Debt increases to around 25–65%. Along with this, the fund can invest up to 10% in Gold or Silver ETFs and InvITs. At the same time, solution-oriented funds like children and retirement funds have been discontinued because of static allocation and not being truly goal-aligned. These new funds are introduced instead. Who should consider this? If you’re investing for long-term goals like retirement or your child’s education, and want discipline without constant tracking, Life Cycle Funds can make sense. Each fund has a defined maturity year like 2045 or 2050, making goal matching easier, more structured, and tax-efficient [Anushka Rathod, Finance, India, SEBI, Investment] #anushkarathod #finance #india #sebi #investment
How do experienced investors make money during war – and how should you approach it? Check out the whole reel to know! When conflict hits, most retail investors react emotionally. 1. Move everything to cash, thinking they’re being safe while inflation quietly eats away their money. 2. Some freeze, staring at a red screen and doing nothing. 3. Others chase whatever just spiked — oil, defense stocks, gold — buying at exactly the wrong time. Experienced investors do the opposite. They don’t panic sell or buy they follow a wait and watch approach. Decades of market data show that selling during the initial shock locks in losses and makes you miss the recovery. They also don’t chase spikes. Instead, they invest in a staggered manner. By spreading investments over weeks or months, you buy more when prices fall and less as they recover, lowering your average cost without trying to time the exact bottom. It also works well with liquid instruments like ETFs, where entry and exit are easier because volumes are usually strong. [Anushka Rathod, Finance, India, War, Investment] #anushkarathod #finance #india #war #investment
Your abroad shopping just got cheaper. Check out the full reel to know how! For more details, keep reading: 1. Basic Customs Duty has been reduced from 20% to 10%. The rate mentioned in the reel is the effective customs rate, which includes social welfare surcharge, etc. This reduction applies only to personal use items, not goods meant for resale. 2. Duty-free import of one laptop (for passengers above 18 years) and pets has now been officially incorporated into the rules. This was allowed earlier as well, but is now formally included. Overall update: Higher duty-free limits, reduced detention, digital and simplified processes, and smoother procedures for passengers. The aim is to improve convenience while making India more globally connected and tourism-friendly with uniform customs implementation. Share this with your friends and family. [Anushka Rathod, Finance, India, Travel, Gold] #anushkarathod #finance #india #travel #gold
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Did you know you can gift mutual funds to your family and friends? Check out the whole post to know. For Groww users, here’s how gifting mutual funds works. Till June 2025, Groww primarily offered mutual funds in the Statement of Account (SOA) format. This means units were held directly with the mutual fund company, which many investors preferred. From June 2025, like other brokerage platforms such as Zerodha, Groww made the Demat format the default option. You can still opt out and continue holding mutual funds in the SOA format if you prefer. For gifting, the SOA route is usually easier and typically takes around 2–3 working days. Things to keep in mind: 1. While gifting through the Demat route, select Gift Code 92 so it is correctly reported as a gift in AIS. 2. Stamp duty of 0.015% applies and is borne by the transferor. It is paid from the registered bank account during the transfer (rounded up to ₹1 if below ₹1). 3. In gifting, the transferee inherits the transferor’s cost price and holding period. 4. The transferee must have a folio with the same AMC and both parties should be KYC validated. If not, a zero balance folio can be opened easily. [Anushka Rathod, Finance, India, Gift, Investment] #anushkatrathod #finance #india #gift #investment
Good news for flight travelers! These new airline rules will be effective from 26th March 2026. A few important things to keep in mind: 1. Free look-up period of 48 hours applies only if Domestic flights: departure is at least 7 days away International flights: departure is at least 15 days away Also, the ticket must be booked directly from the airline’s website, not via third-party apps. 2. Refund timelines are now capped at 14 working days. The responsibility of issuing refunds lies entirely with the airline, even if you booked through an agent. 3. Airlines cannot charge for name corrections (same passenger) if the error is reported within 24 hours of a direct booking. 4. Credit shell is now the passenger’s choice. Airlines must first offer a cash or bank refund. They cannot force a credit shell. 5. For medical emergencies, a clear rule now exists. If a passenger or a family member on the same PNR is hospitalized, the airline must offer either a full refund or a credit shell. Share this with someone who loves to travel. [Anushka Rathod, Finance, India, Travel, Flight] #anushkarathod #finance #india #travel #flight
Good news for flight travelers! These new airline rules will be effective from 26th March 2026. A few important things to keep in mind: 1. Free look-up period of 48 hours applies only if Domestic flights: departure is at least 7 days away International flights: departure is at least 15 days away Also, the ticket must be booked directly from the airline’s website, not via third-party apps. 2. Refund timelines are now capped at 14 working days. The responsibility of issuing refunds lies entirely with the airline, even if you booked through an agent. 3. Airlines cannot charge for name corrections (same passenger) if the error is reported within 24 hours of a direct booking. 4. Credit shell is now the passenger’s choice. Airlines must first offer a cash or bank refund. They cannot force a credit shell. 5. For medical emergencies, a clear rule now exists. If a passenger or a family member on the same PNR is hospitalized, the airline must offer either a full refund or a credit shell. Share this with someone who loves to travel. [Anushka Rathod, Finance, India, Travel, Flight] #anushkarathod #finance #india #travel #flight
Good news for flight travelers! These new airline rules will be effective from 26th March 2026. A few important things to keep in mind: 1. Free look-up period of 48 hours applies only if Domestic flights: departure is at least 7 days away International flights: departure is at least 15 days away Also, the ticket must be booked directly from the airline’s website, not via third-party apps. 2. Refund timelines are now capped at 14 working days. The responsibility of issuing refunds lies entirely with the airline, even if you booked through an agent. 3. Airlines cannot charge for name corrections (same passenger) if the error is reported within 24 hours of a direct booking. 4. Credit shell is now the passenger’s choice. Airlines must first offer a cash or bank refund. They cannot force a credit shell. 5. For medical emergencies, a clear rule now exists. If a passenger or a family member on the same PNR is hospitalized, the airline must offer either a full refund or a credit shell. Share this with someone who loves to travel. [Anushka Rathod, Finance, India, Travel, Flight] #anushkarathod #finance #india #travel #flight
Found some gems for this festive week! Read these instead of doom scrolling! Wishing everyone a Happy Diwali 🪔 Take a break, light up your mood, and dive into some good reads. Comment “Weekend” to join my WhatsApp channel where I share all the links! [Anushka Rathod, Reading List, Weekend Reading, Latest, Doom Scrolling, Diwali, Festive Season] #anushkarathod #readinglist #weekendreading #latest #doomscrolling #diwali #festiveseason
Found some gems for this festive week! Read these instead of doom scrolling! Wishing everyone a Happy Diwali 🪔 Take a break, light up your mood, and dive into some good reads. Comment “Weekend” to join my WhatsApp channel where I share all the links! [Anushka Rathod, Reading List, Weekend Reading, Latest, Doom Scrolling, Diwali, Festive Season] #anushkarathod #readinglist #weekendreading #latest #doomscrolling #diwali #festiveseason
Found some gems for this festive week! Read these instead of doom scrolling! Wishing everyone a Happy Diwali 🪔 Take a break, light up your mood, and dive into some good reads. Comment “Weekend” to join my WhatsApp channel where I share all the links! [Anushka Rathod, Reading List, Weekend Reading, Latest, Doom Scrolling, Diwali, Festive Season] #anushkarathod #readinglist #weekendreading #latest #doomscrolling #diwali #festiveseason
Found some gems for this festive week! Read these instead of doom scrolling! Wishing everyone a Happy Diwali 🪔 Take a break, light up your mood, and dive into some good reads. Comment “Weekend” to join my WhatsApp channel where I share all the links! [Anushka Rathod, Reading List, Weekend Reading, Latest, Doom Scrolling, Diwali, Festive Season] #anushkarathod #readinglist #weekendreading #latest #doomscrolling #diwali #festiveseason
The most important thing while choosing a career is demand. A profession whose demand is rising today and is expected to grow even more in the future. And there are clear signs of that already. There’s one such profession. Check out the full reel to know which one. Company Secretaries help companies stay compliant, strengthen governance, and avoid costly legal and regulatory mistakes. Today, their role has expanded into board advisory, strategic planning, and leadership positions. The CS exam has a clear, well-defined structure and is conducted by the prestigious Institute of Company Secretaries of India (ICSI). If you’re looking for a future-proof career with strong demand, respect, and long-term growth, CS is definitely worth exploring. For more details, do check the ICSI website. [Anushka Rathod, Finance, ICSI, CS, Career] #anushkarathod #finance #icsi #cs #career
