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Ravisutanjani Kumar Profile picture
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14 May, 6 tweets, 3 min read
Ever explored quite underrated but yet powerful platform DigiLocker?

Have been using it for around 4 years and would really urge all of you to pay a visit this weekend and get your most important documents updated.

Really helps in an emergency! 🧵 ⬇️
You can sign-up on @digilocker_ind Mobile App or at accounts.digitallocker.gov.in/signup by just using basic details and Aadhar Number

Post-sign-up, you will see a dashboard like this. ⬇️

You can pull your documents from the issuer, can also upload your important documents by scanning them Image
Like currently, I've fetched around 20 documents like-

Aadhar Card
Birth Certificate
Class X/XII Mark-sheets
Domicile Certified
Driving License
Income Certificate
LIC Policy
Life & Term Insurance
PAN Card
Vehicle Registration
UAN (EPF)

It's pretty to use actually. Image
The idea is to have consolidated access to important documents in case of immediate need or emergency by us our family members,

Other alternate options are Google Drive etc but that would be time-consuming.
With 240 Issuers and around 65 requesters, DigiLocker gives you complete flexibility to get your important docs just by entering Name, DOB, Document ID etc.

Register yourself, This can be a good step towards Digital Governance and Empowerment to citizens,

RT for Visibility.🙏
Let’s also not forget the visionary team and DigiLocker's Architect, Sir @amitranjan and Team @NICMeity 🙏

Have a Wiki Read at - en.wikipedia.org/wiki/DigiLocker

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More from @Ravisutanjani

Ravisutanjani Kumar Profile picture
17 May
Gold is one of the most favoured investment options for Indians and it works as a hedge against inflation.

Sovereign Gold Bond 2021-22 Series I is open for subscription from May 17, 2021, to May 21, 2021

Date of Issuance-May 25, 2021

SGB Price-₹4727/g
Gold Price-₹4979/g Image
SGBs are government securities in grams of gold, issued by the RBI on behalf of the Government of India.

Official information is on the RBI webpage - rbi.org.in/Scripts/FAQVie…

If you have an 8-year horizon, SGBs are the best choice as you can save LTCG tax.
Where can you buy SGBs?

You can buy it from your bank, post offices, NSE/BSE, either directly or through agents.

You can apply for Sovereign Gold Bonds through your Net Banking or Demat accounts, like Zerodha, Upstox etc.

zerodha.com/gold/
Read 11 tweets
Ravisutanjani Kumar Profile picture
15 May
5 Years and 21 Credit Cards, ⬇️

Never paid a single ₹ as int, charges or penalty, using high-end cards that includes 3 American Express, 2 HDFC Diners, Citi etc.

Churned around 3 Lakhs till date in the form of Airline, Hotel Voucher, Cashback etc. (I maintain a tracker!)
I can certainly understand if someone uses a CC without any discipline they’re bound to fall into the debt trap,

As I said, it’s a pure blessing for people who know how to use them effectively, my TL is full of information about CCs and their amazing benefits.
You can conveniently pay via your bank accounts like UPI or Debit Cards, but technically you're funding the MDR which merchants pays to Bank/PG and they spends money on marketing,

That benefits aware CC holders, obviously banks doesn’t like us who pays before or on-time.
Read 6 tweets
Ravisutanjani Kumar Profile picture
15 May
When I started my professional career, I took some time and designed a spreadsheet to track cash inflows, investment and spends.

Planned my taxes, read, researched, when salary increased my SIP multiplied but one thing remains constant -

‘Consistency and Patience’ ⬇️💰
Couple of my friends at college and office colleagues used to criticise me for planning everything so early.

I could have chilled and enjoyed things in the flow instead of investing etc.

But rather I chose to ‘spend everything I earn on the name of investments in equity’
In the last 5 years I took around 7-8 international trips and covered more than 130 cities in India,

Bought so much so-called materialistic stuff for myself and my family, Did party and cherish every moment of life.

I don’t have any regrets nor I feel that I missed anything.
Read 5 tweets
Ravisutanjani Kumar Profile picture
12 May
I’m thinking about millions of dormant bank accounts and billions of idle cash of people who died,

In many cases, families don’t even know that there might be wealth, how many banks send out the communication to find legal heirs?

Bank(s) enjoying money or what?
What I as a citizen need/want is a common portal where I can see the list of my active and closed bank account against my PAN and Aadhar,

Similarly how CIBIL reports loan and credit card data.

I don’t see any difficulty in implantation when bank works under CBS/Finacle.
Found this 12 year old circular on RBI website, my concern is what does bank(s) do with such money?

Who exactly gets unclaimed funds? This needs to be answered

Please RT for visibility and tag if you know any banker or finance professional who can help!

rbi.org.in/commonperson/E…
Read 8 tweets
Ravisutanjani Kumar Profile picture
12 May
Probably one of the biggest days of my professional career, Feeling grateful to everyone who crossed and helped me reach here,

I still remember the moment when I ditched a job offer from Indian Railways and a leading Public Sector Bank.

I went to my father and asked him! ⬇️🧵
Papa, Am I doing right?

He said - Yes if this makes you happy, I believe you. But do think about stability and your future.

He has been a teacher for around 25 years, have respected my opinions. In our society, not everyone has the luxury of taking independent decisions!
The high school kid was passionately curious about two ‘S’ - #StockMarket and #Startups.

Decided to go via the Engg+Management route like many others.

Travelled alone, made and learnt from mistakes, part-time gigs, celebrated every small and big milestone and what not?
Read 8 tweets
Ravisutanjani Kumar Profile picture
10 May
Indian Weddings (esp Arranged Marriage) is a fucking agreement in small towns,

I know a family ready to gift ₹15-20L cash in dowry so asked them why they are doing this? The girl is an engineer itself

They said because the guy is a government teacher and that’s how it works!😣
Forget advice, they don’t give a shit about anything. You’re giving them your daughter, what kind of greediness is this?

How to stop someone who’s doing all this willingly?
I know many father(s) who took large amount in loans against their property/shops, ended up their lifetime savings, PPF, FD etc just to finance the marriage of their daughters,

We’re living in 2021, are we at a loss of self-respect and dignity?
Read 5 tweets

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