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Ravisutanjani Profile picture
@Ravisutanjani
Aug 8, 2021 • 27 tweets • 7 min read • Read on X
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I write about Credit Card, Personal Finance, Travel, and sometimes Startups! 💳💰✈️

The thought is to spread awareness among such subjects without any hidden agenda, with community-driven & collective insights.

Thread of Thread (s) 🧵| RT for Karma 🙏
Here's an overview of the tracker and what we will read,

It takes time to write good content, I'm more than passionate to make at least 10Mn people financially aware, Thanks to Social Media/Twitter.

Also do let me know if any posts have helped you, I appreciate feedback, Image
• LIC Thread | Personal Finance (1)

• BYJU's Mis-selling | Awareness (2)

• Credit Cards (Part-1) | (3)

• Credit Cards (Part-2) | (4)

• Fintech App Experience | Personal Finance (5)

• Neobanks | Personal Finance (6)

• Mutual Fund Apps | Personal Finance (7)

• My 10 Favourite Fintech Apps | Personal Finance (8)

• How to choose a Debit Card | Personal Finance (9)

• Credit Score & Credit Report | Credit Cards (10)

• Trading Journey | Personal Finance (11)

• Basics of Personal Finance | Personal Finance (12)

• IPO | Personal Finance (13)

• Sovereign Gold Bonds | Personal Finance (14)

• CC Hacks, Tips | Credit Cards (15)

• Mother’s Day Thread| Personal Finance (16)

• SIP in Stocks | Personal Finance (17)

• Aadhar OTP - Security | Awareness (18)

• Learnings #1 | Startups (19)

• Learnings #2 | Startups (20)

• Learnings #3 | Startups (21)

• Solo Travelling | Travel (22)

• Train Journey | Travel (23)

• Twitter Growth | Awareness (24)

• Personal Finance 101 ft Memes | Personal Finance (25)

• • •

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More from @Ravisutanjani

Ravisutanjani Profile picture
Oct 17, 2025
🚨 Truly Impressed By Punjab National Bank

Car Loan Sanctioned at 7.85% Interest Rate

• Aadhaar, PAN
• 2 Year ITR/26AS
• GSTIN
• CIBIL > 775
• 6 Month Bank Statement
• Car Selection

All Done with OTPs, No Physical Documents

Much Cheaper and Better Than Private Banks
Here's the Link For Official Portal :

They Have Integrated Multiple APIs

• IT Department : Tax Returns and 26AS
• Account Aggregator : Bank Statements
• CIBIL : Credit Score and Employment
• GSTIN : Business Details / Turnover etc digivl.pnb.bank.in/#/vehicle-homeImage
Once this is done, you'll need to enter

• Vehicle Brand and Model
• Select City and Listed Dealers
• Enter Ex-Showroom and Pricing
• RTO Details, Charges Get Auto Populated

You'll also need to upload the car quote received from the dealer, insurance quote (if own)
Read 6 tweets
Ravisutanjani Profile picture
Oct 13, 2025
🚨 Successfully Removed Wrong CIBIL Entry

Check Credit Report Periodically For Safety

You Can Also Get Free CIBIL Report (Officially)

Here's How You Can Dispute CIBIL Enquiry 🧵
Visit the Official CIBIL Website Here -

As per the RBI guidelines, every credit bureau is required to provide one free credit score refresh every year to individuals myscore.cibil.com/CreditView/log…Image
Post successful sign-up/login

You can refresh to get the latest data, including Credit Score, Enquiry, Personal Information section, etc Image
Read 10 tweets
Ravisutanjani Profile picture
Aug 13, 2025
🚨 There's a Lot of Talk About India's E20 Fuel, Which is a Blend of 20% Ethanol and 80% Petrol

Here’s What You Should Know About It 🧵
• Is E20 made from food crops?

No. India’s ethanol comes from a variety of sources, including sugarcane molasses, maize, rice, and wheat.

Over 30% of it is made from waste products, so it doesn’t risk the country’s food or water supply.
• How does it benefit India?

This is a long-term plan for India' growth, not a short-term experiment. It enhances India's energy security, improves air quality, and boosts the economy.
Read 7 tweets
Ravisutanjani Profile picture
Jul 20, 2025
🚨 Had a Divine Darshan at Rameshwaram

One of The 12 Jyotirlingas and Char Dham

You Can Feel The Cosmic Energies Around

Here are Things You Should Know Before Visit
• How To Reach? ✈️

You can take a direct flight to Madurai or Chennai

I booked an Air India Premium Economy from Delhi to Chennai

Metro from Chennai Airport To Egmore Station

From Egmore, there are few overnight direct trains To Rameshwaram Image
Image
I avoid Cabs for long journey so prefer trains

Otherwise you can take a direct flight to Madurai from Delhi, Mumbai, Bengaluru, Hyderabad etc and take a cab/bus from Madurai to Rameshwaram (this is better option)

Travel should take 3-5 hours only Image
Read 14 tweets
Ravisutanjani Profile picture
Jul 10, 2025
🚨 Adani Entering Airport Lounge Business

Recently Launched ‘Lounge One’ Platform

You Can Check and Redeem Lounge Access

This is a Direct Competitor To Dreamfolks

No Need To Wait, Here’s How You Can Use It
Official Website: Book Your Airport Lounges Online in Advance | Lounge One

• Add Your Credit/Debit Card Details

• Verity with ₹2 Transaction

Card will be added to the Lounge One loungeone.aiImage
Image
I added @TimesBlackCard

Unlimited Access is being shown

You may try with your credit cards Image
Read 6 tweets
Ravisutanjani Profile picture
Jun 19, 2025
🚨 Build a Personal Finance Tracker on Sheets

• Bank Accounts
• Mutual Funds/SIP
• Stock Holdings
• FDs / Gold
• Loans and Credit Cards

Automate Data Using Google Finance

Simple Monthly Exercise That Can Improve Overall Personal Finance and Net Worth
Once the individual line items are sorted, you can build a simple dashboard

This one is from the very own sheet of yours truly, maintaining this for over 8-9 years now Image
Fields that can be helpful for tabs

• Bank Accounts

- Name of the Bank
- Available Balance
- Account Number
- Customer ID
- IFSC Code
- SWIFT Code
- Debit Card Details (Encrypt)
- MAB Requirements
Read 8 tweets

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