Rare whispers of earth, crystallized over billions of years. Uncut magic pressed by nature’s silent intensity, these carbon treasures emerge as timeless, brilliant gems embodying pure, pristine perfection—each stone a unique testament to geological wonder. ✨ Celebrate life’s milestones with a gift as unique and enduring as you and your journey!🧿 . . #timelessdiamonds #jewellery #diamonds #tanishqdiamonds
Why is no one talking about the WEDDING TAX! 😵 Just because it is not official doesn’t mean it is not real! 🫠 No matter the service – from makeup to decor to food, everything becomes 2x-3x the normal price the minute you tell the vendor it’s for a wedding! ⚡️ This frustration comes from the countless negotiations I have had to do over the months leading up to my own wedding!😭 TELL ME WHY MAKEUP IS 51,000 RUPEES!😅 OR SIMPLY GETTING PICTURES CLICKED IS 3L!😕 OR GETTING MEHENDI IS 11,000 MINIMUM!😩 Either I am getting prices in Zimbabwean dollars or the wedding market is over inflated for real!🤯 I have shared some tips to combat it too – hope this helps!🤔 Do share with all brides and grooms to be – or else they are cooked for real. (Obv priced per plate)🫢 . . [wedding season, wedding, personal finance, finance tips, wedding tips, money tips, wedding expenses, bridal makeup, MUA]
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Aunties and Uncles, Boys and Girls – Stop paying hidden charges on your banking needs. 😵 Just open a Savings Account with IDFC FIRST Bank and enjoy Zero Fee Banking on all Savings Account services.🙌🏼 Watch your Savings thrive and get #MoreFromYourBank✨ *T&C Apply. . . #IDFCFIRSTBank #MoreFromYourBank #partnership
Dhanteras is just around the corner! 🫶🏼 This means it’s time to buy gold to honour our traditions but instead of purchasing gold coins that often stay locked away in safes, consider investing in wearable 18K gold jewellery that serves both ritual and practical purposes.🪔 Elegantly designed rings, delicate necklaces, or versatile earrings in 18K gold offer everyday wearability while maintaining the tradition’s essence. ⭐️ 18K gold (75% pure gold) provides an ideal balance between durability and luxury. 🌟 Its lower pure gold content actually makes it better suited for intricate designs and daily wear compared to 22K or 24K gold. ✨ Head to Mia for the best designs for your everyday use!🌸 . . [gold, Dhanteras, jewellery, personal finance, gold jewellery]
Want to save money on your home loan? 🛋️ Here is how you do it! 🌟 – Claim 1.5 lakhs as deduction in principal amount repayment 🌱 – Claim 2 lakhs as deduction for interest amount paid ( can even claim processing fees) ✨ – Take a joint home loan to double the tax benefits as both partners can now claim these deductions! 🫡 You can save ~2 lakhs in taxes if you are in the 30% tax bracket! 🫂 Apart from just the tax benefits – women have other advantages when it comes to a home loan such as lower stamp duty and interest rates!🙌🏼 Share this with your friends getting married soon and help them save taxes! 🌸 . . [tax tips, taxes, taxation, home owner, home loan, loan tips, marriage, wedding hacks, personal finance, finance tips]
First and foremost, this video is not sponsored! ✨ That being said – I recently went to India’s top rated restaurant, and the tasting menu is an experience you should try out at least once! 🌱 I was able to get the same experience for a steal all thanks to my credit card!🌟 Unfortunately, they have ended that scheme, but that doesn’t mean there aren’t still MANY offers you can make use of if you hold Amex cards. 🙏🏼 Which credit card do you want a deep dive on next? Let me know in the comments below!✨ . . [Amex, American Express, credit cards, Indian accent, restaurant, personal finance, finance, credit card tips]
What if I told you, you could actually make you education loan interest free? 🌱 The answer lies in systematic investment plans (SIP). SIPs can be used to repay the education loans. ✅ By investing in mutual funds through SIP mode, you can create a corpus that can be used to repay the education loan early. Let us understand this through an example.🌟 As discussed in the reel – An education loan of Rs. 25 lakh for 10 years at an interest rate of 10 percent per annum (pa). You will be required to pay an EMI of Rs.33,038 monthly. 🪴 If you just start 10 percent of this EMI, in mutual funds through an SIP with an expected return of 12 percent then you can repay the education loan in the 102nd month when the investment amount exceeds the loan balance. 🙌🏼 This will save 18 EMIs valued at Rs. 5,94,678 and interest of Rs. 44,574.🫶🏼 Infact, As the amount of SIP increases to 25 percent, the number of EMIs saved doubles. You can repay the loan early and save more in terms of EMIs and interest as you increase the SIP amount!🫡 Save this for your reference and share it with all your friends who have taken an education loan!🗒️ . . [education loan, loan tips, save money, personal finance, finance tips, abroad education, education loans, EMI, mutual funds]
Ever considered leveraging your gold assets for financial flexibility? 🫡 Well now there is an easy answer – Gold loans! It’s a straightforward process: you provide your gold as collateral, and you get a loan based on its assessed value.🌱 One of the most unique features of a gold loan is that it offers flexible repayment option. 🙌🏼 You can choose to manage your loan by paying interest on a monthly basis, or if it suits your financial planning better, you have the option to settle both the interest and principal amount together at the time of loan closure.🌟 🗒️ For business owners, there’s an additional benefit to consider. If you operate as a sole proprietorship, you may be eligible for certain tax advantages when opting for a gold loan!🙏🏼 So, whether you’re looking to fuel your business, seize a time-sensitive opportunity, or address unexpected expenses, a gold loan can be an efficient solution. ✅ What’s more is that for the first time in India you can book your Gold Loan simply with a missed call to 80869 80869 with @muthootfincorpone . #collab Check out more details of getting a gold loan, using the link in my Story 🪴 @muthootpappachangroup . . #WhatIsSRKUpto #BookMyGoldLoan #MuthootFinCorp #muthootpappachangroup #MuthootBlue #MuthootFinCorpONE #shahrukhkhan #srk
IG LIVE FOR JUNE: Random House questions about investing, taxes, freelancing and life! 🌱
Ever wondered what it costs to be a full-time freelancer in the bustling city of Delhi? 🌟 Join me as I break down my daily expenses at my favorite WeWork in Gurgaon!🪴 🚗 Commute: ₹400 (round trip) or ₹40 (metro) 🏢 WeWork Day Pass: ₹700 (cheaper with myHQ app) 🥪 Lunch: ₹100 (free coffee!) 🎥 Videographer: ₹3,000 per session (shoot 2-3 videos) 📞 Client Calls: 3-4 hours, free Wi-Fi Total: ₹4,200 (varies daily)🌱 But here’s the secret sauce: I use the myHQ app to snag amazing deals on coworking spaces! 🤫 It’s a game-changer for freelancers and self-employed folks like us. Want to optimize your work life and save some 💰? Use code “FORYOU50” for up to 50% off your first booking on the myHQ app! Comment “myHQ” and I’ll DM you a link to the app. Let’s make work, work for us! 💪 . . #WeWork #FreelanceLife #DelhiCreator #CoworkingSpaces #myHQ #WorkSmarter #weworkindia #thisiswhereIwork
Did you know you can claim up to INR 10 Lakhs as deduction if you JUST have a Home Loan? 🪴 Apart from the obvious 80C and 24(B) benefits – did you know that if you are a first time home buyer you can also claim deductions under section 80EEA.🙌🏼 Here are the conditions you should know about: -The loan should be sanctioned during the period 1st April 2019 and 31st March 2022. -Stamp duty value of the house property should be Rs 45 lakh or less. Now all these benefits will potentially double if you apply for a joint home loan!🌱 Also a lot of people question if they can claim HRA and home loan deductions together – the answer is yes! 🫡Provided there is atleast a 35 kms distance between your own house and your rented place! 🌟 Check the link in my bio for more details on Home Loan. . . #homeloan #tatacapital #collab #countonus
Loan-To-Value Ratio (LTV Ratio) or Loan-To-Cost Ratio (LTC Ratio) simply tells the loan applicant the maximum percentage of the value of the pledged asset that shehe can borrow. 🙌🏼 According to the guidelines issued by the Reserve Bank of India (RBI), the LTV ratio for home loans can go up to 90% of the property value for loan amounts of Rs.30 lakh and below. ⬇️ For loan amounts that are above Rs.30 lakh and up to Rs.75 lakh, the LTV ratio limit has been set to up to 80% while for loan amounts above Rs.75 lakh, the LTV ratio can go up to 75%.🌟 The final amount of borrowing is determined on multiple factors including but not limited to the value of the security, eligibility of the borrower, a good CIBIL Score, etc. 🌱 To determine the maximum amount that can be lent, the financial institution shall use this LTV ratio to cap the maximum amount of loan depending on the value of the security.🙌🏼 This is also helps determine the down payment amount you need when taking a home loan 🌱 Share this with your friends taking a home loan soon! 🙌🏼 . . [home loan, home loan tips, personal finance, finance tips, money tips, money hacks, loan]
My dad, is the OG freelancer and a CA – so his money advise I would take seriously. 🫶🏼 A few days ago, a bunch of you sent your money questions for my dad to answer and here is one that was by far the most asked – how do I build passive income in my 20s?🌟 In simple words (of my dad) – you can’t have significant possessive income without significant active income!🫠 How do you increase your income then?😅 Well, simply build a brand for yourself and start a side hustle!💰 And now with tools like Odoo you can do that in just a few steps by building your own website! 🫡 It is so easy to use – my dad with no coding experience, built a website in under 10 mins for his own firm!💯 Get started using the link in my bio!🙌🏼 . . [personal finance, finance tips, passive income, income, personal branding]
If you sell any capital asset such as stocks, mutual funds, property – taxes come along with it! 🫠 But there are ways using which you can avoid paying any taxes on the sale of shares and mutual funds! 🫡 Under section 54F of the Income tax Act – if you sell the stocks and mutual funds to reinvest the sale amount in property – you will have to pay 0 taxes on long term capital gains made in the stock market!❤️ But this has to be done within 2 years of selling your old house – where do you keep your sale amount till you find the house?😅 Here – CAPITAL GAINS ACCOUNT SCHEME. 🫶🏼 The Capital Gains Account Scheme (CGAS) of 1988 is a scheme introduced by the Government of India under the Income Tax Act, 1961. It provides taxpayers with a means to save on capital gains tax by depositing the proceeds from the sale of certain assets into designated accounts. These accounts are maintained with authorized banks or financial institutions.🙌🏼 Follow the below-mentioned steps to open a Capital Gains Savings Scheme account – 1) Fill out form A and submit it along with necessary attachments like address proof, photo, and a copy of your PAN card. 2) Now make the deposit using a cheque, cash, or demand draft. If you are depositing the amount through cash or cheque, the date of deposit will be the date on which the draft is received. 3) You can deposit lump sum money or in installments. 4) You need to open separate accounts if you wish to invest in various types of assets under different sections.🌟 Found this helpful? Share this with your friends to help them save taxes!🙏🏼 . . [capital gains, mutual funds, shares, personal finance, taxes, tax tips, tax saving, share market, taxation, capital gains tax, finance tips]
I am the stupidest person alive! 🫠 I believed that for a long time. I was in a job where my unique skill sets were not valued. 🫡 For those 2 years, I genuinely thought I was an imposter. Somehow got into a top DU college and then a top consulting firm – only to be exposed as the most ludicrous analyst in the history of consulting. 😅 It took me another year to get to this realisation – Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.😅 We’re all unique, with our own distinct talents and skills. If we keep comparing our unique being to a yardstick which isn’t meant for us, we will spend our whole lives in mediocrity. 🫶🏼 June’20 was when I landed my first international client for my freelancing work, and June’21 was when I got my first brand partnership on this page. It’s a special month in a lot of ways.❤️ Hence, I thought it would be a perfect reminder to embrace the genius within us — the fish that swim brilliantly, the monkeys that climb exceptionally, and the birds that soar high. After all, the world needs all kinds of minds and talents to truly thrive!🌟 I know this is a finance page but IF money were no object what would you truly want to do?🌱 PS: Sharing some BTS from shoot days, off late! 📸 Sorry for breaking character in the last one 🫠
I am the stupidest person alive! 🫠 I believed that for a long time. I was in a job where my unique skill sets were not valued. 🫡 For those 2 years, I genuinely thought I was an imposter. Somehow got into a top DU college and then a top consulting firm – only to be exposed as the most ludicrous analyst in the history of consulting. 😅 It took me another year to get to this realisation – Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.😅 We’re all unique, with our own distinct talents and skills. If we keep comparing our unique being to a yardstick which isn’t meant for us, we will spend our whole lives in mediocrity. 🫶🏼 June’20 was when I landed my first international client for my freelancing work, and June’21 was when I got my first brand partnership on this page. It’s a special month in a lot of ways.❤️ Hence, I thought it would be a perfect reminder to embrace the genius within us — the fish that swim brilliantly, the monkeys that climb exceptionally, and the birds that soar high. After all, the world needs all kinds of minds and talents to truly thrive!🌟 I know this is a finance page but IF money were no object what would you truly want to do?🌱 PS: Sharing some BTS from shoot days, off late! 📸 Sorry for breaking character in the last one 🫠
I am the stupidest person alive! 🫠 I believed that for a long time. I was in a job where my unique skill sets were not valued. 🫡 For those 2 years, I genuinely thought I was an imposter. Somehow got into a top DU college and then a top consulting firm – only to be exposed as the most ludicrous analyst in the history of consulting. 😅 It took me another year to get to this realisation – Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.😅 We’re all unique, with our own distinct talents and skills. If we keep comparing our unique being to a yardstick which isn’t meant for us, we will spend our whole lives in mediocrity. 🫶🏼 June’20 was when I landed my first international client for my freelancing work, and June’21 was when I got my first brand partnership on this page. It’s a special month in a lot of ways.❤️ Hence, I thought it would be a perfect reminder to embrace the genius within us — the fish that swim brilliantly, the monkeys that climb exceptionally, and the birds that soar high. After all, the world needs all kinds of minds and talents to truly thrive!🌟 I know this is a finance page but IF money were no object what would you truly want to do?🌱 PS: Sharing some BTS from shoot days, off late! 📸 Sorry for breaking character in the last one 🫠
I am the stupidest person alive! 🫠 I believed that for a long time. I was in a job where my unique skill sets were not valued. 🫡 For those 2 years, I genuinely thought I was an imposter. Somehow got into a top DU college and then a top consulting firm – only to be exposed as the most ludicrous analyst in the history of consulting. 😅 It took me another year to get to this realisation – Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.😅 We’re all unique, with our own distinct talents and skills. If we keep comparing our unique being to a yardstick which isn’t meant for us, we will spend our whole lives in mediocrity. 🫶🏼 June’20 was when I landed my first international client for my freelancing work, and June’21 was when I got my first brand partnership on this page. It’s a special month in a lot of ways.❤️ Hence, I thought it would be a perfect reminder to embrace the genius within us — the fish that swim brilliantly, the monkeys that climb exceptionally, and the birds that soar high. After all, the world needs all kinds of minds and talents to truly thrive!🌟 I know this is a finance page but IF money were no object what would you truly want to do?🌱 PS: Sharing some BTS from shoot days, off late! 📸 Sorry for breaking character in the last one 🫠
I am the stupidest person alive! 🫠 I believed that for a long time. I was in a job where my unique skill sets were not valued. 🫡 For those 2 years, I genuinely thought I was an imposter. Somehow got into a top DU college and then a top consulting firm – only to be exposed as the most ludicrous analyst in the history of consulting. 😅 It took me another year to get to this realisation – Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.😅 We’re all unique, with our own distinct talents and skills. If we keep comparing our unique being to a yardstick which isn’t meant for us, we will spend our whole lives in mediocrity. 🫶🏼 June’20 was when I landed my first international client for my freelancing work, and June’21 was when I got my first brand partnership on this page. It’s a special month in a lot of ways.❤️ Hence, I thought it would be a perfect reminder to embrace the genius within us — the fish that swim brilliantly, the monkeys that climb exceptionally, and the birds that soar high. After all, the world needs all kinds of minds and talents to truly thrive!🌟 I know this is a finance page but IF money were no object what would you truly want to do?🌱 PS: Sharing some BTS from shoot days, off late! 📸 Sorry for breaking character in the last one 🫠
I am the stupidest person alive! 🫠 I believed that for a long time. I was in a job where my unique skill sets were not valued. 🫡 For those 2 years, I genuinely thought I was an imposter. Somehow got into a top DU college and then a top consulting firm – only to be exposed as the most ludicrous analyst in the history of consulting. 😅 It took me another year to get to this realisation – Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.😅 We’re all unique, with our own distinct talents and skills. If we keep comparing our unique being to a yardstick which isn’t meant for us, we will spend our whole lives in mediocrity. 🫶🏼 June’20 was when I landed my first international client for my freelancing work, and June’21 was when I got my first brand partnership on this page. It’s a special month in a lot of ways.❤️ Hence, I thought it would be a perfect reminder to embrace the genius within us — the fish that swim brilliantly, the monkeys that climb exceptionally, and the birds that soar high. After all, the world needs all kinds of minds and talents to truly thrive!🌟 I know this is a finance page but IF money were no object what would you truly want to do?🌱 PS: Sharing some BTS from shoot days, off late! 📸 Sorry for breaking character in the last one 🫠
Owning a house is a dream for many – what often stops us from from fulfilling it is the insane high interest that comes with it. 🫠 Consider this: A 1 Cr home loan taken at 9% interest will amount to 1.15cr in just interest amount. 😅 So what do you do?🫡 Something that can help reduce the burden is starting an SIP of 0.10% of the house value in mutual fund to recover the interest, just as discussed in the video!🙌🏼 You can use any SIP calculator available online to do this calculation for your specific loan amount. 🙌🏼 This calculation assumes that you will never increase your monthly SIP which is obv not true becuase as your income increases – so will your invested amount!🌟 Share this with all your friends who are planning on buying a house soon! 🎉 . . [home loan, loan tips, loan, home, personal finance, finance tips, money matters, money tips, finance, mutual fund, SIP, investing]
IG Live: All about careers and consulting 🙌🏼
If you have been using a credit card for a while, you know – it is frustrating to choose the right one.🫠 Do you optimize for travel, shopping, or dining?😅 Well, now you just need one card for all this and more: Lifetime free 3-in-1 Switch RuPay Credit Card. 🙌🏼 You can switch the spend category of your choice and get 2% cashback on the selected category. 🙏🏼 The best part – you get assured cashback on UPI and credit card spends. 💯 Apply for the credit card exclusively on Jupiter. Link in bio! 🙌🏼 . . #collab #creditcard #personalfinance #finance #upipayments #upi #financetips