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Ravisutanjani Kumar Profile picture
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15 Jul, 4 tweets, 2 min read
Build and Monetise like PhonePe 🔥🚀
21 Brand Vouchers (Part 1) ImageImageImageImage
Another 21 Brand Vouchers (Part 2) ImageImageImageImage
Almost every section has 5-6 banner ads running.

I’m a heavy PhonePe user and the way they’ve evolved the product and built monetisation avenues.

Highly commendable stuff, UX/Design is also good. With the kind of market share they’ve in UPI, they must be making good. 💰💴

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More from @Ravisutanjani

Ravisutanjani Kumar Profile picture
17 Jul
All about Credit Cards 💳

Only 🧵 you will need to understand the effectiveness and unparalleled benefits of a credit card.

Learn how to avoid the debt traps, use them smartly to maximize the returns!

Long Read (Part-2) ⬇️ (Don’t miss 6️⃣)
If you haven’t attended the previous thread, consider reading it for a better context.

Let’s start now!

https://t.co/mvlwKd4v2E
1️⃣ Fraud Protection

The credit card offers better fraud protection as compared to debit cards, most of them come with a fraud liability cover that saves you from any fraudulent event.

Just dispute the transaction immediately and the bank will do the job further.
Read 24 tweets
Ravisutanjani Kumar Profile picture
15 Jul
From Underwears to Room Fresheners and pencil to electronics, groceries, and apparel. Amazon is selling almost everything on their own just by rebranding,

Thanks to our regulators for giving them an opportunity to eat the business of our Indian Sellers.

Don’t trust me? ⬇️🧵
Just go through this Wiki, Many Amazon brands are already available in India.

en.wikipedia.org/wiki/List_of_A…
Amazon Brand - Symbol Image
Read 9 tweets
Ravisutanjani Kumar Profile picture
10 Jul
It’s absolutely fine to learn from people who are younger than you, experience does play a significant role but it’s not a bar anymore.

I keep writing on personal finance, credit cards, my startup exp, etc and surprisingly I got some bad wishes and hate today. Here’s a note.⬇️
Some day to day commentary I come across:

I'm older so I probably know better.

How you can earn 3-4x of me?

How you can be a good leader with just 4-5 years of work ex, I’ve 15 so....

You shouldn’t talk about Personal Finance without spending 10 yr in the market... etc etc.
Just a bit of an Introduction. I started earning from part-time gigs when I was just 16-17. Proudly funded my 10+2 education and coaching fee, took admission in engineering, got my first credit card, made mutual fund investments, did solo traveling to almost 15 states in India.
Read 10 tweets
Ravisutanjani Kumar Profile picture
10 Jul
Credit Score tells a lot about one’s discipline with finance and credit management.

Unlike the US, we’ve only a few firms checking CIBIL scores for employment. I highly believe it should be part of the recruitment and background check function.

Any startups doing this practice?
Okay so this is blowing, Thanks to trollers.

First of all Credit Card and Credit Score is not at all related to any privileges or elite class.

If you believe it is, stop reading this thread right here!
Now anyone can get credit cards regardless of your credit score, profession, and salary amount.

Just make a fixed deposit of a minimum of ₹10/20k and you will be assigned a 90% credit limit of your FD amount.

SBI, HDFC Bank, Axis, ICICI, BoB, all leading issuers support this.
Read 10 tweets
Ravisutanjani Kumar Profile picture
10 Jul
Papa has a suitcase full of LIC bonds, I wanted to dig around returns so went LIC office yesterday to get the surrender value quotes. 📈

Read this Mini Thread 🧵 before your family LIC uncle tries to sell you the next policy!

‘Don’t mis insurance with an Investment.’
So LIC Agents earn the commission for the policies they sale. LIC offers 25% to 35% commission on the policy premium for the first year, then 7.5% for 2nd & 3rd Year + 5% till the policy maturity.
Now, I wouldn’t call this a SCAM but for sure it’s the biggest MLM (Multi-Level Marketing) scheme ever, well marketed/sponsored by authorities.

You can sell anything in India if you can play around emotion and trust, LIC has built a robust network of branch, distributors/agents.
Read 13 tweets
Ravisutanjani Kumar Profile picture
4 Jul
Neobank(s) - Old wine in a new bottle? 🏦🍷

• FI Money
• Jupiter
• NiyoX.

We've 3 Neo-banks in India, They’re basically Fintech companies promising to provide 100% cutting edge digital banking services.

But are they really good? What’s new?

Sunday Special Thread 🧵⬇️
Let’s check the basics first,

Almost similar benefits. Same zero balance account with free debit card etc. I will be pretty straightforward with my review so get your popcorn handy. 🍿💰
First of all the concept of waiting list these Fintech(s) are using is a marketing gimmick to create hype, some introductory offers, and BS. Same as a Flash sale on an e-commerce website for newly launched electronics.

If your product is so good, just open it for everyone. 👎
Read 16 tweets

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