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  1. ShavirB

    Credit Card CIBIL/ Experian Reporting Date

    Hi All, To maximise your Credit Score, your Credit Utilization must be kept below 30%. For this we should know on which date your Card Issuer/ Bank sends monthly reports to Credit Bureau (CIBIL, Experian, etc) so that we can clear our CC Outstanding before this date.. Sharing this data for a...
  2. ShavirB

    NRIs - 12 Financial Things to Sort Immediately

    In this article we’ll cover 12 Things which NRIs should sort immediately 1) Bank Accounts In case you didn’t know, as per FEMA laws it is ILLEGAL for NRIs to have an Indian Resident Account and doing so can attract hefty penalties. In case you’re wondering, if you’re found to be holding a...
  3. ShavirB

    Berkshire Hathaway AGM 2024: Key Takeaways

    Here are 30 key takeaways 1. Big tribute to Charlie Munger. The entire 30-minute starting video is about Charlie. It’s amazing what he has done for the investment community 2. Berkshire Hathaway trims its stake in Apple by 13% 3. Insurance is still an excellent business. Ajit is doing an...
  4. ShavirB

    5 Ways to Locate ATM Near Me

    A lot of folks still rely on Cash for their everyday needs and finding an ATM is not always the easiest task. Though we keep hearing stories of how Digital Payments have taken the center stage and have already taken over cash transactions, Cash is still the King with more than 60% share in total...
  5. ShavirB

    Yes Bank Credit Card Status

    Even since RBI's Ban in 2020, Yes Bank has been really trying to get out of the mess it created. Finally it seems that things for Yes Bank are getting stabilized. RBI had even put a lock-in for 3 years in 2020 for reconstruction. This 3 year lock-in finally ended in March 2023. Since then, Yes...
  6. ShavirB

    RBL Credit Card Status

    RBL has been focused on improving their Credit Card Game, and have launched some decent Cards in the recent past. But when it comes to applying for these cards and getting them on time, there seems to be some confusion. Through this post we’ll try to suggest 2 ways (Online and Offline) how you...
  7. ShavirB

    SBI Cash Back Credit Card - Is it Still the Best Beginners Credit Card?

    SBI Cash Back Credit Card was launched in Sep 2022, and soon after its launch it quickly became one of the best beginner credit cards with 5% cashback on online spends. SBI even waived Joining Fees of Rs. 999 + GST making it a no brainer for all credit card enthusiasts.. Looking at the...
  8. ShavirB

    Kotak Credit Card Status

    As per the latest RBI directives, Kotak has been banned from onboarding new customers both for Credit Card and Savings/ Current Account. But in case you had applied for a Credit Card before this Ban, you can still get your Credit Card and can use it normally. RBI has asked the Kotak Bank to...
  9. ShavirB

    IDFC Credit Card Status

    There seems to be some confusion in the tracking of Credit Card Application for IDFC First Bank. Through this Post i’ll list down 2 methods (Online and Offline) to track your IDFC Credit Card Status Online Method Step 1: Visit the official IDFC website and visit Credit Card Status under the...
  10. ShavirB

    How to Link Aadhaar with Ration Card? Offline and Online Methods

    The Ration Card is one of the oldest forms of residence proofs in India. The concept of Ration Cards was started way back in the 1990s. Whereas Aadhar is the newest form of Residence Proofs, not just residence it acts as a Identification Proof for Individuals. Linking Oldest Form of Residence...
  11. ShavirB

    Kotak Banned from Onboarding New Customer and Issuing new Credit Cards

    Apparently RBI found big issues in the Kotak's IT systems. And as per RBI, Kotak Bank did not manage or upgrade their softwares, access updates, and the security for their IT systems was also outdated. RBI has been flagging off this issue to Kotak Bank for 2 years now, but the Bank did not heed...
  12. ShavirB

    Wall Street's SECRET Strategy for Indian Markets?

    Please note that this is purely speculative and should not be taken as financial advice. Also this has been summarised using Copilot in Bing. Have attached the resources at the end.. Jane Street Group, a global investment management firm, has been in the spotlight recently due to a case...
  13. ShavirB

    CIBIL Score Decoded.. Sort of

    Few days back our team was on a mission to DECODE the exact formula for computing CIBIL Score. Although we couldn't crack the exact formula, but we have figured something which is a close estimate. We've tested this formula on 20-25 different people and the results were shocking close...
  14. ShavirB

    Kotak Bank RTGS Form

    Kotak Bank, a prominent player in India provides multiple electronic fund transfer options. Mainly there are 3 ways in which you can make electronic payment with Kotak Bank - RTGS, NEFT, and IMPS. Before moving forward, it's important to understand the differences between the 3 modes Type...
  15. ShavirB

    YES Bank RTGS Form

    Yes Bank, one of the late entrants in the Indian Banking Industry provides 3 options for fund transfer - RTGS, NEFT, and IMPS. Before moving forward, let's understand the differences between the 3 modes; Type of Transfer NEFT IMPS RTGS Speed of settlement Half-Hourly Real-Time...
  16. ShavirB

    ICICI Alumni Offer

    Few days back I got an email from ICICI with a LTF Offer for ICICI Sapphiro. I got interested (didn’t apply though) as ICICI Sapphiro is one of the most Premium Cards offered by ICICI after Emeralde. Sapphiro comes with a Joining Fees of Rs. 6500 + Taxes and Annual Fees of Rs. 3500+ Taxes. I...
  17. ShavirB

    BOB Card Status

    Bank Of Baroda Credit Card Status There's always some uncertainty once you're applied for your Credit Card. Most of the folks don't know that they can actually track their Credit Card application after applying. Thought would pen down few ways in which you can track your application. Also their...
  18. ShavirB

    Punjab National Bank SWIFT Code

    What is SWIFT? SWIFT (Society for Worldwide Interbank Financial Telecommunications) is like an interconnected body for all the Banks globally which ensures quick and accurate transfer of information, funds, etc. For this purpose each Bank has been assigned a unique code (also called BIC or...
  19. ShavirB

    Axis Credit Card Status

    How to Track Axis Credit Card Application Status? Have been observing that a lot of folks are finding it tough to track their Credit Card application after applying. Thought would pen down few ways in which you can track your application Online through official website Here are the steps to...
  20. ShavirB

    Baroda Tabit - New Way of Banking

    Hi All, found a new feature from Bank of Baroda called ‘Baroda Tabit’. It’s not technically new, as it was launched in 2019. Basically it's a tablet based instant account opening and banking solution. After the launch in 2019, it has seen some success. Infact Bank of Baroda foresees 75% of their...
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