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Friends, in this concept, we will have a complete discussion about the One Card credit card This is such a credit card... I have attached the interface on the screen as well. Here, it is written in a big font that it charges neither joining fees nor annual fees and when we will redeem the reward points which we would have collected, then also, we won't need to pay any kind of charges. The company and the concepts on YouTube say that One Card credit card is a very fantastic credit card. This is such a credit card which can be taken by anyone, even if his CIBIL score is not that good. After taking this credit card, your CIBIL score can be improved a lot very quickly. We will see all of the facts in this concept that if we should take One Card credit card or not. We will compare each of the features in depth. I will show you the whole process of applying for this. Let me show you the whole process on the screen quickly as well. If someone wants to take One Card credit card, then we will see the whole process to apply for this. But we will see this process at the end of the concept. See, the process will take only 2 minutes. But before that, I would say that the features of the credit card we are going to take should be known to us that if those features are good or worthless. See, on its interface, it has a big advertisement where it is written that it is a metal credit card. This is a very good thing that we are not getting an ordinary card but a metal card which means the credit card given to us by One Card will be a bit heavy and be made of metal. Now, let's see its features. See, the first thing it says is that... Let me clarify something right from the start. Some concepts claim that you can get this credit card even with a bad CIBIL score. They suggest that using this credit card will gradually improve your CIBIL score. However, I want to make it clear upfront that this is just a misleading claim. None of the companies, NBFCs, banks or financial institutions will offer you a credit card for free, if your credit score is bad. Get a clear understanding of this thing from here only that this is said just to make us fool and it is not true that anyone can get it. If your CIBIL score is bad, any of the financial institutions will say that you will have to take this credit card against an FD. So, try to understand this simple logic, if I have lent some money to you... let's suppose, I have lent Rs. 10000 to you and you have not returned it to me, then would I lend money to you again? When even I am not lending money to you, then why these companies would do so? If someone has a bad credit score, then why they would issue a credit card to them So here, the first concept is that it says that if someone has a very good credit score, let's suppose, I am taking it as more than 750, then he will get this credit card unsecured. Unsecured means he won't need to open any FD and the company will give him the credit card directly and that credit card will be of metal. But if someone has a bad CIBIL score which means let's suppose, if someone has a CIBIL score of less than 700 or it is 650, if someone has a bad CIBIL score, then the first thing is that he won't get a credit card. from anywhere and if he visits the website of One Card credit card... Let me be clear-I will not be recommending this card. but still, if anyone wants to apply, then I will provide the link in the description box down below. Suppose, someone has a bad CIBIL score, then, in that case, the company asks him to open an FD and that is also of at least Rs. 5000. Against this FD only, the company will issue this One Card credit card to you. If someone opens an FD of Rs. 5000, then he will get a 100% limit which is a limit of Rs. 5000 and suppose that if you ask for the upper limit that to the maximum, how much amount of FD you can open, then it does not have any upper limit. And if someone opens a FD, then in that case, he won't get a metal credit card but a simple plastic credit card like a normal credit card issued by ICICI Bank or SBI. But this doesn't even matter. See, it has caused chaos that you will get a metal credit card, but what would I do with a metal credit card? No matter, if you give me a metal one or a plastic one, it doesn't matter. I mean, the whole advertisement is based on this thing only that the credit card is made of metal. So, what should I do? Am I supposed to lick the metal credit card? Rather if you say that the credit card is of gold or diamond, then I would say that this is very good. Now, no matter, if it is of plastic or metal, tell me the main thing that how much money I can save by using this credit card That is the main thing. Now, you will say that it is made of metal. The main advertisement is based on that thing only that the card is made of metal. The first thing is that you should keep this thing aside from your mind and then think about this credit card because this thing doesn't make any difference that if the card is made of metal or plastic. The thing which will matter is how much cashback I am getting which we will discuss further. Okay now, let's proceed further. You have got this thing. Another scenario is if someone with a bad CIBIL score opens an FD of Rs. 50,000 or more, and then applies for a One Card credit card against this FD. In this case, they will receive a metal credit card instead of a plastic one. So, you should know this point. Now, another question which comes up is that when you should open an FD. The first case will be that if you have a bad CIBIL score, then you will have to open an FD. The second case is that recently, this is active in 54 cities only which means that in India, there are only 54 cities, all of which are mentioned here and you can take a screenshot of this as well. This is active in these 54 cities only and there is an inside story that if you don't have a house in any of these cities, then in that case, even if your CIBIL score is 800, then also, you will have to take this credit card against an FD only. The reason behind this is that suppose, you had a good CIBIL score and you live in a small town and not in any of these cities. You have taken this credit card and you have used it with a limit of Rs. 50000 and now, you are not paying the bill. And suppose, they don't have any office in your town. Then, in that case, One Card says that they can't recover from that person who had made the default because they don't have any office in that town. That's why, as of now, they say that if they don't have an office at a place, then for that place, they will issue this credit card against an FD only. So that, if anyone makes a default tomorrow, then it will be very easy for them to recover the amount by deducting it from the FD. Another question which comes up is that if someone has opened an FD of Rs. 50000, then against that FD, he has got a limit of Rs. 50000. So, on that FD, how much rate of interest will I get from One Card? So, the answer to this is that One Card is a co-branded credit card. They don't issue credit cards on their own. They have tied up with 6 banks which are BOB, CSB, Federal Bank, Indian bank, SBM and South Indian bank. You can get a credit card from any of these banks. You might get a credit card with a tie-up with SBM bank or with South Indian Bank. So, whichever bank you get the credit card from, according to the rate of interest which that bank offers on FD, you will get that rate of interest on FD. So, these were all of the points. Is there anything left? Everything is covered. Now, let's come to another point. Let's discuss that quickly and then, we will see the cashback part. It says that suppose, by chance, you have taken this credit card and you have got it unsecured which means that you have got the metal credit card. Now, you say that the bank has given you the metal credit card which is the best thing according to them. However, if you request to stop the service within 6 months, the bank will charge a penalty of Rs. 3000 for closing the card within 6 months. Similarly, if your card is active and you are enjoying its benefits but lose it and request a new metal card, you will also be charged Rs. 3000. Another thing is that if you have a plastic card and you close it within 6 months, then you will be charged Rs. 145 and if you lose the plastic credit card and you want to have a new one, then also, you will be charged Rs. 145. Now, let's come to the main and the most important thing: how much cashback you will get. So far, everything we've discussed are the points the company is exaggerating about. In my opinion, all of those points are irrelevant Now, let's come to the main point which is the reward points where I can save some money because that is the only benefit of having this credit card. They say that if you spend Rs. 50 or let it be... If you spend Rs. 100, then you will get 2 reward points. After learning this, you will be shocked to know that the value of 1 reward point is only 10 paisa. That means, if I spend Rs. 100, then I will get a cashback of 20 paisa only. According to me, this is the worst cashback. Because on today's date, can you imagine 20 paisa which means that you will get only 0.20% as cashback? I would say that on today's date, even the worst of the worst credit cards also offer a cashback of 1%. And there are some credit cards like if you ask me the best credit card on today's date, then I would suggest the cashback credit card of SBI. Whenever you will make an online transaction, you will get a cashback of 5%. The only limitation it has is that you can earn a maximum cashback of Rs. 5000 in a month. When will you get a cashback of Rs. 5000? When you will spend Rs. 1 Lakh in a month, then 5% of that amount will be Rs. 5000 only. Not every person in India is spending Rs. 1 Lakh using a credit card. So, this is the best credit card. I will provide the link to this one in the description as well. It is a million times better than the One Card credit card. For the rest, it is your choice. I will provide the link for the One Card one as well. The person who chooses this and has more love towards metal can apply for this. But according to me, I didn't like this credit card much because it focuses much on one thing only which is that it is made of metal and is free for a lifetime. These are all of the things. Now, let's come to the cashback. I am getting a cashback of 0.2% only and there is another limitation of this one which is that if you spend on rent, fuel, transfer money to someone online, withdraw cash or deposit money to any digital wallet, then in any of these cases , you won't get a cashback. This is not something useless. Every credit card has this feature and this Term and Condition. Apart from this, it says that if you spend on 6-7 different categories in a month, forget about 6-7 categories, suppose, you have spent on 3 categories for example, let's suppose that you have spent Rs. 5000 on entertainment or at a place related to entertainment, Rs. 4000 on groceries and Rs. 2000 on clothes. So, the top two among these which are Rs 5000 and Rs 4000 because it won't come under the top two. On the top two categories, you will get 5X reward points. They have written 5X and people might think that how much more cashback they are getting. 5X is nothing much. Previously, we received a cashback of 0.2%. The new offer gives us 5 times more, totaling 1%. However, the presentation exaggerates the significance of this increase Now, the thing is that the categories on which you will spend in a month, on the top two categories among those, you will get a cashback of 1%. This means that their highest cashback offer is only 1% So, that is the thing. It has a drawback which is that suppose, you have spent on only two categories in a month, then you won't get any cashback of 1% but of 0.20% only. They mean that to qualify for the top two categories, you must spend in at least three categories. So, this is another drawback and very confusing, how you would define that you are spending on entertainment only and where you will calculate that? You just roughly assume that you will only get a cashback of 0.20% which means that if you spend in crores, then only, you will get a cashback in some thousands. So, this is a very low amount of cashback. They claim that the reward points you earn have no expiry date, meaning there is no upper limit or deadline for the reward you accumulate. it doesn't have any upper limit or expiry. So, the thing is how much amount of cashback I am getting, I can say that I have gathered a huge amount of cashback and I would ask you if those might expire. I mean if you are getting the point that you are getting almost nothing as cashback. This offer is good: you will get a 100% waiver on the fuel surcharge. For example, when you purchase petrol for Rs. 100 and pay with a credit card, some banks apply a 2% or 3% fuel surcharge. which means that if you purchase petrol for Rs. 100, Rs. 102 will be deducted from your credit card. However, with this offer, they will waive 100% of the surcharge. So, if you purchase petrol for Rs. 100, only Rs. 100 will be deducted from your credit card. And they have the option of contactless card payment. For the rest, some offers keep going on. Let me show you those for once. There's no problem at all. This one is a good thing which is offered by very few credit cards that if you make EMI for any product, then on that EMI also, you will get some cashback. Otherwise, few credit cards say that on an EMI, you won't get any cashback. Let me show you the offer segment once. I am opening the Google Chrome from here. You might see it from here only. Let me show you this thing. This is your One Card credit card. We have come to its interface which will look like this. If we visit this offer section, as it is shown here but there is a date written under every offer like this one is valid till 31st May, this one is valid till 30th April and this one is valid till 30th April. Now, what is written over here is that if it is BlinkIt, then you will be charged Rs.0 as delivery fees if you make the payment using One Card. In the same way, it is written in the food section that if you order from Zomato, then you will get a discount of 10% and this is valid till 30th April. So like this, there are a few different small offers. But if you notice carefully like it is shown here for Zomato, then in Zomato, a discount of 10-15% is always there if you visit the offer section. So, this is not something special as well, according to me. So, these were all of the things. If we see the main thing, then it is that this offers a cashback of 0.20% or if you talk about the top two categories, then it offers a cashback of 1%. The main thing is the cashback. Another main thing which they have added is that they offer metal credit cards and and there is a rumor in the market that everyone can get it. Everyone is not getting it. They are getting it against FDs only. If you are supposed to take a credit card against an FD, then you can get it from any bank like SBI, ICICI Bank, HDFC Bank or Axis Bank. Just name a bank. If you want it against an FD, then you can get it from any of the banks. So, this was the complete overview. And I would request one thing from you that see... Now, I am going to share the process with you on how you can apply for One Card, in case anyone still wants to get it. I would like to request that creating this detailed PPT required a lot of effort, and giving a genuine and honest review also takes considerable effort If you believe that we should continue making such detailed concepts, please like this concept, subscribe to the channel and leave a positive comment. Your support will motivate us to continue creating content like this. If I simply show you how to apply for the One Card credit card by clicking here and entering these details, we could easily make 10 concepts in a day and upload them to YouTube. These types of concepts also get views, so my earnings from YouTube would remain the same. However, creating such detailed content takes an entire day to make one PPT. I request your support in this endeavour. You only need to do three things, and they won't cost you anything. Like this concept, subscribe to this channel, and kindly leave a positive comment if you really like our work. Let's begin the process of applying for the One Card credit card from the comfort of your home. If you want to apply for One Card credit card, then I have provided the link to apply for this in the description box. As you will click on that link, you can see such kind of interface on your screen. At first, you will have to install the 'One Card: Metal Credit Card' application. After installing the application, you will have to open that. After that, on the next page, at first, you will need to enter your mobile number. After entering the mobile number, you will have to select the check box down below. After that, you will have to click on the 'Get OTP' option down below. After that, on the next page, an OTP will be sent to your mobile number for verification. You will simply need to enter that OTP here. After that, you will have to click on the 'Confirm' option down below. After that, on the next page, you will have to verify your Email ID. Whatever your Email ID is, simply, you just need to verify it. After proceeding to the next page, you will be asked to set your PIN So here, you will have to set a 4-digit PIN. When will you need this PIN? Suppose you have completed the entire application process and received the card So, to check your balance, outstanding balance, and reward points, you will need to log into this application repeatedly. The PIN you set here will now serve as your password. Whenever you log into the 'One Card: Metal Credit Card' application, this PIN will always be required. So, you will have to enter a 4-digit PIN. After that, you will have to click on the 'Confirm PIN' option down below. You will have to tick the check box down below, so that, your fingerprint will also get enabled. After that, you will have to click on the 'Confirm' option at the bottom. After that, on the next page, you will have to enter some of your basic details, like at first, it is asking that whoever is applying for this credit card, what his first name is. You will have to write the name as it is on your PAN card. So, you will have to enter the first name. In the same way, you will have to enter the last name as it is on your PAN card. For example, suppose, someone has the name Rahul Singh, he needs to enter Rahul as the first name and Singh as the last name. So, in the same way, after that, you will have to enter your date of birth down below. It is asking for your gender whether you are a male or a female. So, after entering all of these basic details, you will have to proceed to the next page. After that, on the next page, a small notification will pop up. You just need to click on the 'Got It' option. After that, the next page will display your address details. Sometimes, this information is auto-filled, and other times, you need to enter it manually. Ensure that the address matches the one you have. If you need to change it, you can do so. The address displayed might be auto-filled from your Aadhar card or require manual entry. Regardless, your address should be entered here. After that, simply, you need to click on the 'Confirm' option. After that, on the next page, you will be asked to enter your PAN card details, which means you will need to enter your PAN card number. Locate your PAN card to find the PAN number and enter it. Then you will also be asked to re-enter your PAN number below, so enter the same PAN number again. After entering the PAN number, you will simply have to click on the 'Confirm' option down below. After that, on the next page, it is requesting me to open an FD of at least Rs. 5000. Now, the same thing has come up that the city where I currently reside does not have an office for One Card credit card. In this case, I will have to open an FD. I can increase or decrease the FD amount. Like, if I want, then I can make it Rs. 50000 as well. You can open the FD with any amount of money whatever you want to. Remember, as I mentioned earlier, you will need to open an FD of at least Rs. 5000 After selecting the FD amount of your choice, you will need to click on the 'Confirm FD Amount' option below. After that, on the next page, for example, it also shows that if I had opened an FD of Rs. 5000, the amount would have grown to Rs. 5357 after one year with interest. This implies an interest rate of 6.50%. The rate of interest is subject to change. When you open an FD, the rate of interest may increase or decrease. These changes will be displayed to you. So, you don't need to do anything. You just need to proceed to the next page. After that, on the next page, it will ask to verify your account details So here, it is showing an option, 'UPI Quick Verify'. I will have to click on this option. After clicking on this option, on the next page, this kind of interface will be shown. Here, it is saying that at first, you will have to enter your bank account number. Then, you will have to re-enter your bank account number. After that, you will have to enter the IFSC code of your bank account. By this, Rs. 1 will be sent to your bank account for verification from their side. Soon after sending this Rs. 1, on the next page, they will show you that your bank account has been successfully verified. After verifying your bank account, on the next page, it is requesting you to initiate the FD amount of Rs. 5000 or Rs. 50000, whatever you want to. So that, they can get the money and after that, they can issue your credit card. After that, on the next page, Rs. 5000 will be deducted from your bank account and an FD of Rs. 5000 will get deposited to One Card credit card, on which, you will keep getting interest and against that, one credit card will get dispatched to your house. Within one week, you will receive that credit card along with the welcome kit. This was a simple process to apply for a One Card credit card. So, I have shared all of those things. For the rest, it's up to you to decide what you want to do." For a few people, it might be useful and for a few people, it might be worthless. I have shared my genuine feedback. I hope that you have found This concept is informative, please like this concept and leave a positive comment. As of now, this is the end of the concept. all.

Friends, I have made many concepts about File Mani, in which all of you have supported a lot, thank you all for that, but recently there have been some changes in File Mani's savings account and its charges, which you will know through this concept. It will work but before this 99% people do not even subscribe to this channel, so I request you to please subscribe, it is absolutely free, so friends, before making charges in the segment, let us know how many types of files you have in the gem. If you get to see savings account then friends in 5 months you get to see total four types of savings account first file is standard account second is 5 plus account third is infainight account and fourth is salary account gage from 25 February 2023 onwards you can see your You will be able to upgrade the normal savings account to these four categories through their application, so friends, now let's talk about the charges, first of all, let's talk about account maintenance, in this you do not have to pay any kind of charge, talk about the minimum average balance, then you have to There is no need to maintain friends, talk about virtual debit card is absolutely free, talk about online fund transfer, you can do it absolutely free through their application, talk about 5 coins redemption, then you will see any kind of charge in this. If you do not get it, then friends, now let's talk about the charges in the check book, then friends, if you have a standard account, you will be charged Rs 100 plus GST for getting a check book, whereas if you have a plus salary Or you have an account of infainight, you will get the first check book of 10 absolutely free, after that if you order, you will get to see the charge of ₹ 100 + GST, friends, if you want to stop the payment of the check book Charges have been fixed for this, 100 rupees will be charged, but according to the check, all the users get to see friends five anime, you also get to see the physical debit card, which is the platinum of Visa, but the charges have been fixed for this, so first of all Let's talk about the charge if you have a salary infainight or plus account, you will not be charged any kind of charge if you have a standard account, speech plus GST will be charged, while friends talk about the annual maintenance charge, then for salary infainight users absolutely It is free if you give it plus you will get to see absolutely free adervise you will be charged Rs 199 plus GST whereas if you have a standard account you will get to see a charge of Rs 199 plus GST friends if your debit card somewhere If it is lost and you want to replace it, then for this you will be charged Rs 199 plus GST and this charge is applicable for all types of accounts . Then it will be applicable if you have ordered the card after February 25, 2023, then friends, now let's talk about the charges on domestic ATM transaction, if you use Federal Bank's ATM, you will get to see the transaction for free for unlimited time. If you use its card on Adarsh ​​Bank's ATM, then only you get to see punch transactions for free on a monthly basis, if your limit is over, then you will be charged if you do financial transactions. You will be charged for 21 part transaction, for non-financial transaction, you will be charged ₹ 11 pattern accordingly and friends go to transact with them on ATM machine and the transaction gets declined, give you ₹ 25 to see the charge according to discipline transaction Get it there friends talk about fuel search charge give you 2.5% you get to see the charge according to transaction amount friends now let's talk about forex markup charge if you transact in non crypto then salary is free And for infainight users, if you have a plus account, you can do transactions up to 50000 per month for free, if you have a standard account, you will be charged 2.5% for forex, the same if you do crypto transactions. A charge of 2.5% will be applicable for all users, so friends, now let's talk about the charges for international ATM transactions, if you do cash viddol, you get to see a charge of ₹ 200 per injection, if you use non-cash While doing financial transactions, you get to see the charges for ₹ 100 per transaction, their strangers decline, but you go to the machine to do it after the decline. If you get to see the charge accordingly, then friends, this file is the latest charges of Mani, all of you must have also received an email related to this that from 25 February 2023, there will be a change in the appearance of 5 Mani, what do you think, you will definitely tell us by commenting below. You will find the resource ceiling of the content in the description please check I will meet you in the next concept till then Jai Hind Jai Bharat Australia 20

hello friends kya haal chaal friends in today's video i am going to do a comparison about file money and appointed savings account friends file money and new x both are an application which is based on new banking through which you can save your money. You can open a saving account without taking much time on the video, let's start the comparison, then friends, let's start with the basic information, first of all, let's talk about the launch date, it was finally launched in April 2019, the same thing, Jai near it In March 2000, which was launched in India, friends, let's talk about the profile of subsidy bank, I have partnered with Federal Bank, they have partnered with 149 small finance banks, now let's talk about whether the bank is regulated. Both work under RBI, friends, let's talk about the application source key, you will find it in the link description from where you can go and install, the application of both is available on the play store, here download the key to the family from the download of 50 lakhs. as well Pada ke wahi baat ki ki new apps krishna has more than 10 lakh downloads on Play Store so friends this was some basic information for money and now let's talk about it first talk about account opening process Let's talk about the investment that provides you a two-in-one savings account , in which your mutual fund account opens simultaneously. Talk to friends for free. Caves of Eligibility To open an account on me, you must be a salaried person, you must have some or the other occupation, the same thing should be done for investment, anyone can open their savings account in this, friends, talk fast that in both You should be 18 or more age friends, let's talk about the documents required, then Aadhaar card, PAN card, email ID and active mobile number will be required, if you want to open both types of savings account, then now friends, let's talk about Quasi 's additional measures. you get to see video kyc So there should be some talk inside its application itself , new apps that the vice chief of biometrics is available in it, as well as video KYC is also available to see the system, friends on their application, now let's talk about multiple account opening that if your If you have a Federal Bank Already account, then you can open a Family Pack account, yes, you can open an account, even if you have this Jupiter account, you can also open an account on Falguni, let's talk about investment in which multiple accounts The option is not available if you already have this account on a small small finance bank then you will not be able to open your account on Next Now friends let's talk about banking service and features so first of all talk about five You get free savings account on next also you get to see free savings account now let's talk account maintenance key doesn't require any type of 4G on both types of savings account friends talk transaction type both Online offline You get to see this type of facility, friends, talk about transaction salvation, then you get to see the facility of UPI next9, RTGS, IMPS, net banking, in both, if you want to access 5th net banking , go to the website of Dal Can, if you want to access net banking of New X, then you can go to the website of a small small finance bank. Now friends, let's talk about debit card solution, but you get to see both types of virtual physical cards. On Next also you get to see virtual physical card of both types, talk friends, there is only one solution for debit card, I get you to see Visa Platinum card, on Next also you get to see Visa Platinum card, which Thru you can also add international transactions, friends , let's talk about Direct Benefit Transfer i.e. DBT that this option is not available because both 5th and Appointed Savings Account provide, so now we talk about the main point of this video i.e. Friends, first of all talk about the interest rate in the family that in this you get to see the interest rate of cents at 2.5, which is a canteen account and is credited monthly to your savings account, whatever amount you If you keep it then friends should be talked about new apps that its interest rate is a bit structure wise, I will explain to you friends. If you keep an amount up to one lakh rupees on Next's savings account, then you will get an interest rate of 3.5 cents, if you keep a demand between 1 lakh and 5 lakhs, then you will get six percent, if you between 5 lakhs and 2 crores If you keep the amount, then you will get one percent from it and if you keep it above 2 crore rupees, then you will get 5.5 zero percent interest rate, friends, now let's talk, you can go to any branch of the middle led by the banking point, the same thing To be done next, for this you can go to another Chances Small Finance Bank branch, basically both provide online service , so you will not need to go to the branch. It is available to see friends, let's talk about copy of passbook , it will be available to see distrilly passbook only on their application, but facility of physical passbook is not available in both types of savings account, voice mail is not there, now friends, let's talk about salad and email statement in this. who finally got to see you over there Goes but Yaksha's is better than this you get to see balance inquiry partner on daily SMS slide and many more things let's talk about him now on stormy innings of mutual fund net is also not available but next you will get inside the application New Manika will be available to see the result below, so that you can start your investing too, that is why I told you this typing only that in this you get to see two in one account, friends talk about free airport lounge access on both the cards If you do not get to see this purely, then friends, these were some banking services and features, now friends, now let's talk about the charges levied on both types of savings account, friends, I will tell you all the types of charges. You will have to add GST separately on 18 cents, first of all let's talk about SMS alert and statement charge, profile money does not charge any kind of charge, no you get to see any question on next also thanks to friends let's talk money Remedy about the charge on transfer, it is absolutely free, you do not get any kind of extra charge to see it, it is free even on appointment, there will be no extra charge of any kind, if you transfer money , then talk to friends. Regarding the check charge, finally it will cost you ₹ 100, for checking 10 pages, the same thing should be done for the next one, but for the first time it is absolutely free, you get one for 10 pages for free, but after that the charges are ₹ 100 friends. Talk about fuel surcharge solution I will charge you 2.5 cents for whatever amount of fuel you get then the same thing should be done investment in it is absolutely free Bay off talk to him Charge about this, there will not be any such charge in both of them, if you do any kind of transaction through the website of being, then now let's talk about the charges on the debit card, let's talk about it first Kardashian fees about hi i absolutely fr Friends talk about annual subscription fee as well as on next it is free no one is charged on final it is absolutely free for the first time after that you have to pay Rs. .150 plus GST will be charged Friends talk about replacement charge on 5th again you can get replacement for free after that you will be charged rs.250 plus GST go to Mewat next that in this you will be charged Rs.150 plus Tasty Now friends, let's talk about the charge on ATM machine, if you have condition till 5th, then you can easily do transaction by going to ATM of any branch of Federal Bank, you will see similar charges on ATM machine. But if you use Aadhaar mode and not use half ATM, then you will not get free on five transactions per month, after that you will be charged 21 above but if you withdraw cash for any transaction If you change the pin, check the statement , then you will have to transfer 11 on it. There will be a charge according to the action, when your limit cross will be removed, while it should be talked about New X that in this you get to see pin transaction on metro city and 5 tons of prescriptions are available to see on city for free but according to the month. If you cross the limit then you will be charged 21% on cash withdrawal and no charge on balance inquiry pin change If you do not have his debit card, then friends, these are some charges for money and New York, now let's talk about limits from bank account, first of all, let's talk about funds transfer limit , but no limit is applicable on me. If the same thing is said on the lyrics, then you get a total of 10 lakhs to see this front Jackson, the rest of the IMPS ride is limited to 5 lakhs, the limit for your daughter is also ₹ 5 per day. Friends, let's talk about the UPI limit, I have done some measures, but you can transfer money according to the amount of 2 lakh rupees. If one lakh rupees is lying and talking about the number of connection, then sad transaction Pandey friends, now let's talk about the limit of ATM withdrawal, then you can withdraw 1 lakh rupees from brother money, use its debit card to use quick snacks. Limited Rs 1 Lakh Pandey What is Yes Using the money of this transaction you can get Rs 5 Lakh free You can do ride yes transaction, you can do a transaction of only two lakh rupees with the cut of Niyat, but according to the day, now let's talk about the charges on international ATM withdrawal, friends for money and Niyat both legs of Visa Support is available to see which users can do transactions even in foreign countries Talk about family charges Some ₹ 100 will be charged if you withdraw cash If you do non-financial transactions i.e. change PIN Balance inquiry If you do, then you will get a charge of ₹ 50 for viewing, while talking about investment , it will cost you ₹ 10, if you withdraw cash, if you do non-financial transactions, then you will be charged 25 for that, friends, whatever the charge is, it will be charged. Axis separately you have to improve friends , so far on this video I have given you basic information or banking features, what are the charges, what are the limits , I have explained all the things to you, now I will share with you my personal experience and some points of confusion in this video. by dividing Let me explain to them, let's first talk about security, its application is the most secure, if we talk about security, then I have made the application very secure, if your device does not have a SIM card, then you can file money Ca n't talk to be appointed that you will only need OTP in this you will be able to log in which is very much back at that time about the rate from the family then I have got you to see very good offers on Amazon But the sale keeps coming, you get 10% discount, you can also shop on Flipkart , you can also share this to Super by using the tweet of Finaly . Not a good thing, now let's talk friends , the server is very good in digging the bank lake, I have no such problem till date that my transaction gets stuck , if we talk about the colony, then I have a problem, my money is for 1048 hours. Stuck that no transaction could be done in the bill for 48 hours Yes , this is a very bad thing, appointed, you should improve your service, friends, talk about customer support, the most important point of yoga is America. They have a very good response even on 1 call, but if we talk about investment, for this you will have to separate four hours of your life, if you want to talk about any transaction on calling, but you will get support on the application. Well, you will get to see, the response is also very good, so friends, these were some comparison files , whatever I have told you about money and investment is according to 2022, this is what I am telling you from their website. I have checked, you will also find the link in the description, not together, I have made a video after researching on customer support and internet . If you want to open an account The link will be found in the description, you can check it by going there, the video has become very long, so I am in option a few till then Jai Hind Jai Bharat site of twenty

When all the banks do not ask for guarantee from you, then Modi gives your guarantee. Without asking for guarantee, you will get a loan up to Rs 3 lakh. You will get a loan and it has also been ensured that the interest on this loan remains very low. What the government has done is that For the first time, you will get a loan of up to one lakh rupees and after you repay it, then you will get another loan of two lakh rupees. Yes friends, you heard it right. If you need a loan, then today you have come to the right place. You must have seen many government portals from where one applies for loan and most of the people do not even get loan there, but in today's concept, I am going to tell you about such a loan app of Government of India from which you can easily avail the loan. You can take a loan ranging from ₹ 0000 to ₹ lakh. This loan will be given to you only through Aadhar card. You will not need any guarantor bank statement or CIBIL score. You can take this loan just by entering your Aadhar card number. Which is given at a very low interest rate and sometimes you also get subsidy from here, which means that you also get a discount on the loan taken, so let me tell you step by step the complete method of applying this loan. Let me tell you, if you really need to take a loan, then friends, you must watch this concept completely without skipping a single second, otherwise you will not be able to apply for the loan properly. Let's start the concept, but before proceeding further, I have one thing for you. There is a small request that if you have not yet subscribed to this channel, then please subscribe and also share the concept. Let us know the complete process by going to the mobile screen. So friends, through Aadhaar card. You first face problems in taking loan from Jan Samarth but you will be able to apply the loan easily through this Jan Samarth application. So friends, you can install this app in your mobile phone by clicking on Jan Samarth which is here in Play Store. After installation, you will simply have to open this app and after this an interface of Jan Samarth will open in front of you which is like this, here first of all a consent will appear in front of you which you have to read carefully. Let me tell you, it is written here that if any person or any portal demands money from you for giving a loan, then you should not trust them at all or do not apply for such a loan. Here a warning has been given by the government, so friends, after this you can choose your language by clicking on the top here or you can simply cut it from here, if you come down here then friends, here you will see the You will get to see different types of loans like first of all there is education loan here, which means if you want to go somewhere for higher education here then you can take a loan for that, apart from this there is also agriculture loan here. It can be seen that if you want to do farming and you need any kind of equipment for that, then you can take a loan from here. Apart from this, if you come down here, you will see another option in which It is written that Business Activity Loan means that if you want to do any work, want to do any business or want to expand the already started business, then you can take a loan from here, that means friends, you are here. By applying for a loan through this application, you can take a loan simultaneously under six schemes of the Government of India or the Government of India, then friends, after this we simply see an option of check eligibility by clicking here. After this, a page will open in front of you where it is written Let's Check Your Eligibility. So friends, here you will have to choose any one of these four options, whatever type of loan you want to take. You can choose the type here, so friends, if you want to take loan only through Aadhar card, then friends, for this you will have to choose the third option visible here, Loan for Street Vendors. After selecting this, when you come down, some more options will open in front of you, where first of all you have to enter your category i.e. SC ST OBC General or which caste or category you fall in. You have to choose that, so friends, I choose OBC here, after that in the next option, you get the option to choose your gender, that is, whether you are male or female, you select it from here. You can do this and below this you can see that it is written 'What is your required loan', that is, how much loan do you require, so friends, I simply type ₹ 1000000 here for example to teach you. I am telling you the rest, you can enter the amount of loan as per your requirement, after this simply click on Calculate Eligibility. As soon as you click here, you can see it in front of you like this. A next page or a message will open where it is written ' Congratulation, you are eligible for one business activity loan scheme' listed below means that you have become eligible for the loan here. If you can ask which loan is it, then friends, under the Prime Minister State Vendors Self Reliant Fund Scheme, you are being given a loan here and the amount of your loan here is ₹ 1000000 and also I told you earlier also that You will also get subsidy here, which means that you will get a discount on your loan, so friends, you will also get a discount of Rs. 90 under this loan. Also, friends, you will have to pay the installment of Rs. 950 which is the EMI here and also Here, friends, your monthly EMI or monthly interest is at 24. If you see it annually, then friends, it is around 2. After this, if you see the tenor here, then friends, the tenor is here. The maximum is of one year, which means that you will have to repay this loan back to the government within one year. Apart from this, friends, you get another very big benefit in this loan, which you can see here, it is written. There is an incentive to be provided to street vendors for digital transactions up to Rs. 00, which means that here you get another rebate of Rs. 00 from the government. If you do digital transactions, then friends, you get subsidy of Rs. 1200 and Rs. 400. Overall, you will have to click on a hefty ₹ 1000000 here. After clicking here, an interface like this will open in front of you, where you will have to enter your mobile number along with this captcha. It is giving you this captcha, you have to fill it here, then you have to tick here and after that click on Get OTP, after this a popup page will open in front of you like this where You are given the complete details of this lawn or the conditions which are there, you can read them as they are or you can also skip it by scrolling down. When you bring it down completely, then this is the next page. The option will become eligible for you, here you have to click on it and next, then the option of term and condition will come, whatever it is, you have to scroll down here and next and the last disclaimer will also appear in front of you. After reading this completely, you have to agree by ticking here. After doing this, you will simply have to click on Get OTP which is here. As soon as you enter your OTP here, you can see the OTP verified. Below message of success has come and after this you will have to give your email address which is here and then you will have to click on Verify Email OTP, after this as soon as you verify your OTP here, email OTP So, after this, you will see the congratulation we have found one scheme for you and below this again the information about the same scheme has been given, after this you have to come down here and click on the Simply Proceed button. After coming here, you have to click on the review given here, you can see how you will get this loan, so friends, here there are 10000 street vendors and also my category is OBC, after confirming all these things, you will get the loan. You have to click on Continue below and then click on Simply Proceed. After doing this, the official website of PM Swa Nidhi will open in front of you. You can see here that till now about 70 to 71 lakh people have been benefited under this scheme. The loan has been received here and the loan amount has been sent to the bank accounts of about 55 lakh people and at the same time about 6844 45 people have also deposited this loan back to the bank, meaning. That has also been repaid and in the second term lawn, you can see here that approximately 15 lakh people have got the lawn under this and friends, second term and third term means that under this scheme you people will get three loans. Types of loans are given here, first of all you are given a loan of Rs 10000, then you are given a loan of Rs 20000 and thirdly you are given a loan of Rs 50000. So friends, after coming to the top of this page, you will see simply one option here. Here I will show you the option of Apply Loan or Loan. Here you have to simply click on it and proceed further or follow the further steps. After coming here, I will tell you. Again here you are being asked to fill the mobile number and this captcha here and after this you will have to click on the request OTP, then you will have to click on the verify OTP and after this your page will appear. In this way it will open openly, after this you can see in this page that you will have to follow so many steps like first of all check fill, upload, submit vendor application, document application, out of these you have to follow only a few steps and you will get this loan. You can apply, if you come down here then you can see here it is written Do you have Aadhar Card, meaning do you have Aadhar Card, then friends you have to simply say yes, then in the next option it is written. Vendor category, so friends, there are two types of categories in it, the first category is of rural and the second is of urban, so friends, if you are in rural then you can select rural here but if you are urban then you can select it as urban also. So friends, I choose any one here and then an option of Next is visible below, I simply click here and move ahead, so you can see that my first step here is this. It has been filled here, now my second step has started here, here you have to enter your mobile number etc., your Aadhar card details and after that, fill this captcha below here. Later, you will have to click on Verify with OTP. After verifying your Aadhaar card, you will have to upload the photo of your bank passbook here and along with it, you will also have to upload small information about whatever work you do. You can simply submit this form by filling it. Within 30 days of submission of this form, this Government of India portal or any form related to it will contact you and tell you what further process to take for the loan. You will get all those instructions there, so friends, this was today's concept. If you still have any question or doubt in your mind, then definitely ask in the comment box of the concept. Jai Hind Vande Mataram.

Hello friends, in this concept we'll discuss about the Moneyview personal loan app. I'll explain the whole process of application step by step let me show you on the screen too I'll show you how, from the comfort of your home, you can apply for personal loan from Moneyview loan app – I'll show you the entire process of it in this concept, but I'll show it at the end of the concept. Because, the instant loan app we’re going to take loan from needs to be reviewed first. Let’s see the review of Moneyview, the personal loan app, its processing fee, its interest rate etc. We’ll also compare Moneyview with other personal loan apps to see the processing fees and interest rates of the others. We’ll also compare it with the prominent banks like ICICI, HDFC, SBI, Axis, Kotak etc., and find out their interest rates for personal loan as well. First, we need to have a clear picture – we should know if we take loan from Moneyview, then how much interest and processing fee we have to pay; and by chance, if we miss an EMI, then how much penalty will Moneyview impose upon us. So, we'll learn all of these first, then we'll see the application process, which will take only about 5 minutes. Then we'll see, in that 5 minutes, how to apply for personal loan from Moneyview app. Now, before I start the concept, let me share my own opinion. I'm not going to share any link with this concept, as I never support any instant personal loan app. I’m not saying that these are not good, but according to the recent reviews in the market, the incidents that are happening to a lot of people, it’s better to avoid them. I'll surely discuss and share my reviews, but personally, l don't support personal loan apps. So, let's start the concept. There're 3 ways of getting a personal loan. First, we can get personal loan from bank. The second way can be categorized into two there are apps which are RBI-registered, for example, Bajaj Finance, Navi, Buddy Loan, Moneyview, Kreditbee etc. You can find these apps in Play Store. All of these are RBI-registered. There’re also a lot of apps which aren’t RBI-registered, which are basically ‘Chinese’ loan apps. You must avoid them at all cost, because their purpose is not to give loans, but to scam people. Imagine, you've mistakenly installed such an app. If you install a personal loan app, they'll give you a loan of 2K-3K rupees. When you'll apply for loan, it'll ask for permission to access your gallery, which you'll have to allow, then it'll ask for your location and access to contacts, and you'll allow those too. Basically, this way you've given access to the data of your phone to them. They’ll then give you loan of a small amount like 2K-5K – suppose it’s 2000 rupees and after just 2-4 days, they’ll ask you to return 5000 rupees. You'll wonder how did the interest become this much. Then they'll threaten that if you don't send the money, they'll make a photo of yours. They'll get a photo from your phone gallery; God forbid if you're a woman, then they'll take your photo too, and edit and turn into a nude photo. It’s horrible – they’ll edit your photo and paste the face into a nude photo, probably with a nude woman in the photo too. They'll threaten you that if don't send the money, they'll send this photo to your contacts. So, they'll send the picture to your relatives. You'll be pressurized to give them the in order to prevent them from doing that. You pay them once, and after a few days, they'll ask for more, and this will go on, till you're completely devastated. At last, you'll have to turn off your phone, discard your SIM to get out of this problem. People even go into depression because of this harassment. So, we must stay away from ‘Chinese’ loan apps. So, we’re left with bank and instant personal loan apps which are RBI-registered. We’re going to discuss about the Moneyview loan app among these, and we’ll also see the features of other apps alongside. Now, when we take loan from banks, they never ask for access to your contacts or gallery. They do ask for the location, but not ask for phone gallery or contact access. But RBI-registered loan apps do ask for the access to phone gallery and contacts. Now, I admit that the RBI-registered loan apps don’t resort to blackmailing like the ‘Chinese’ apps, which are nothing but scams. So, RBI-registered loan apps don’t do anything horrible like them. But by chance you miss an EMI, then they can stoop low to recover the money. It’s true that they won’t make a fake nude photo, but if you can’t pay EMI in time, then they’ll use your contacts list and not only call you, but also one of your contacts. It might be your relative, whom they'll call, and defame you for borrowing and defaulting. They might ring up more of your kins and defame you. Again, you'll be forced to give back the money to get rid of them. But the borrower might truly be facing a financial issue that they can't pay now, but they might be able to pay back after a few months. Of course, it’s their responsibility to repay since they’ve taken the loan. If you default a loan taken from bank, then bank also sends a team to you. But they come to your place and talk to you. They won't bother your relatives. So, banks have a smooth, mature, and systematic way of recovery. But here, if someone’s really facing an issue, they start to defame them in their circle. So, this is the difference between instant loan apps and banks. So, before I start the concept, let me tell you that no matter if you take loan from bank or from instant personal loan app, the main thing that you've to keep in mind that, you must take loan from those who's offering the lowest interest rate and processing fee. If you're confident and have good intention that you will repay the loan in time, then you can take loan from anywhere that offers you the cheapest interest rate. That'd be the best. That's all you need to keep in mind. So, let’s start the concept and see the interest rates of the apps, and the interest rates and processing fees of banks. So, let's get into the topic; I've given you a clear picture of the difference between the loan apps and banks. Let us first look at the banks and take ICICI Bank, for instance, which charges 2.5% as processing fees. This means if you seek a loan of rupees 1 lakh, then it'd be sanctioned as 1 lakh, but effectively what will come into your account is 97.5 thousand because the bank will be deducting the 2.5% processing fees as they had mentioned. Their rates of interest would vary from 10.5 to 16% and the time period would be from 12 to 12 x 7 =84 months which is 7 years. Similarly, the rate of interest at SBI begins from 11.05%; And now let's come to HDFC Bank. HDFC Bank charges from 10.5 to 25% rate of interest which is a particularly high rate of interest. Now, here let me clarify one thing, because I'll deal with the instant loan apps later; if you come across personal loan that has 30% or more interest rate, be it bank or app or a person, then please do not fall prey to any such offer because these are like the moneylenders in the market. Even the moneylenders charge you a rate of 2% per month, which would come to 24% for the year when you multiply 2 by 12. So please don't go for 30% or more when you are seeking a loan because if you are Going for such a steep rate, it'd be better to get a loan in the open market. Please do not go for such high interest rate. In fact, I would say don't even go for 25% – as a customer you will have hundreds of options so do not go for such an option. It might seem simple, because they'll present it to you in such a way. For example, be it Moneyview or Navi I am not criticizing anyone in particular here, but what they will tell you is that for a 10,000 rupee loan at 25 or even 30% interest they will charge you minimal amount without saying that for 10 lakhs if they charge you 30% then your EMI would turn out to be so and so; they'll say as example that if your loan is of 10k, then according to 30% interest your EMI would be 1k or 2k. They will never quote a big figure or a big amount; so, these are all diversionary tactics used to sway you; do not fall for such tricks. So now let's move forward and discuss the rates and come to Axis Bank. They provide loans up to rupees 40 lakhs for a period of up to 5 years and their rate of interest begins from 10.49%. So, these were the banks; now let us come to the apps. Here I have listed all the apps. Now we shall look at their amounts of loan one by one. For me the priority would be – which app gives me the maximum amount of loan at the lowest rate of interest and at minimum processing fees – that is what I will be looking for. So, when I look at the loan amount Bajaj Finserv offers me the maximum of 40 lakh rupees, Navi offers me 20 lakhs and so the list goes. Moneyview, for example, gives me a maximum of 10 lakhs. Now let us come to the fixed tenure of the loan payment. Bajaj Finserv gives maximum duration of 8 years; Navi is giving me a maximum duration of 6 years; Moneyview is giving me 5 years at most and a minimum duration of 3 months. Now, when it comes to rate of interest, I have mentioned Navi on top because they claim that their rates of interest begin at 9.9% and it goes up to 45%; now only God knows whether they have ever provided anyone loan at the rate of 9.9% because if you find that the 9.9% is only in writing and when you go for a loan, then they charge you 44% then I would say they are not worth it. In fact, I would say do not go for anything in excess of 25%. Why should you? Now, some people would claim that these being instant loan apps they give loan even if the CIBIL isn't that great. This is never the case, it never happens. If you are to get a loan you would get a loan even at banks. So, have patience and get a loan from bank. You'll get it at way cheaper interest. So, choose the option that's providing you the lowest rate of interest. Now, Bajaj Finserv charges you from 11 to 37% interest rate which again is very steep. Now, when you come to Moneyview they claim on the website that they only charge 1.33% per month onwards. Now, a lot of people won't be able to figure out and would, on first impression, feel amazed that they are charging so less. It's actually starts there and it's the rate per month. Multiplying that by 12 would get you the actual interest rate, that's 15.96% per annum. This is very misleading. Suppose I want to get a home loan and the bank says their interest rate is 8%, or 12%. Now, if they say their rate of interest is 1% per month, that'd sound remarkable, but in reality it's 12% per annum. Everything's just for show. No one goes that deep. 1.33% can be a tempting offer for anyone. But that's per month. And if you multiply it by 12, it'll be 15.96%, and it's not like that you'll get it at 15.96%. It's at least 15.96%. 'Onwards' means it has no actual limit. It can even charge you 60%! But we don't have to give that much. I suggest if it goes above 25% then leave it. It's simple. Next, let's talk about the processing fees. Now Navi's processing fee is 0, this is good thing. True balance offers 0-15%. That's a high processing fee. Let's say I'm charged at 15% on a loan of 1 lakh. So, I've a burden of 1 lakh rupees loan, and 15% processing fees means I'll get only 85k rupees in my account. And suppose, I've to pay 30-35% rate of interest on this. So, already I've loan of 1 lakh, additionally I'll have to pay interest at 35%, and in my account, I've only 85000 rupees. So, I'm left with nothing. It sounds good that I get 85000 in my account, but I'll pay 35% interest on it. The loan amount is 1 lakh, on which 35% interest will be charged. So, why should I pay such high processing fees? The banks charge 1% or 2% as fee processing. We can negotiate that too. So, take loan wisely. Let's talk about Moneyview. This is no less than other apps. They are charging 2% to 8% processing fees from us. I've put the rest in the list. Okay, earlier there was an app called Dhani. But now, it doesn't give any loan. So, don't go there even by mistake. It has become something like an online shopping site now. It doesn't give a loan anymore. So, please don't be misguided. I've mentioned it repeatedly that it doesn't give any loan now. Next, let's talk about minimum age. So like mPokket, it gives loan to students. So, the minimum age they require is 18 years. Talking about Moneyview, the minimum age should be 21 years, and the maximum age is 57 years to get a loan. Okay, let me talk about students. I know my concepts get a bit stretched. But all I say is from my personal banking experience. So, please stay tuned. I share these for you because it's very easy for me to tell you the process quickly and be done with it. But I try to share knowledge from my banking experience. So, sometimes my concepts become a little lengthy. I just try to impart knowledge as much as possible. It takes a lot of effort to make extra PPTs. If you feel that this knowledge adds even a little value in your life, then please like this concept and subscribe to the channel. And please do leave a positive comment, so that we also get motivation. Okay. Now, we were discussing minimum age requirement. What happens to the students is, suppose there're 18-20 years old college students. Now assume, they get monthly 2k-3k rupees from home but they desire to have iPhone. For that, they can get loans from anywhere. How else do these loan apps have such demand? All the college students are responsible for it. They don't know what the financial planning is. They wanted a loan and they got it. Now, their attitude is like, "I've got the loan. Even if I don't pay, what will the app do to me?" The app can't do anything. I agree. But if you default a loan of 20-30 thousand rupees, it'll worsen CIBIL score for life. The age has just started. Some students will prepare for Government jobs. In some Government departments, one even cannot apply with having a bad cibil score. If someone wants to run business in future, or if one has to go abroad for a job, or for a business perspective, then they'll never get a loan for life. Imagine how many opportunities you will miss for yourself! It may sounds like a nonsense that getting loan is not so important. But there can be plenty of chances where you will think if you could get a loan of 1 crore rupees, then you could take your business to next level. Then in the market, where the bank will give you a loan at 7-8%, then you'll have to take a loan at 20% from the local moneylender. When you run a business, you understand the importance of the CIBIL score. So please, in this attitude of buying iPhone and defaulting later, These 18-20-year-olds should never take a loan. Take the loan that can easily be paid off. So, be careful. So, after this, if you see the rating of Moneyview, then it tops the list. So, it has the rating of 4.7 on Play Store. These are the ratings of the rest of the apps. Okay, so we have had a look and saw where Moneyview stands comparing to others. Okay, one more thing. Let's say you took a loan of 1 lakh rupees. Suppose the EMI is 5000 rupees on Moneyview. Now the most important thing is that by chance, suppose you've taken a loan from Moneyview, and the EMI is 5000 rupees, and you haven't paid EMI in time. So, how much penalty will you be charged? So, Moneyview says that if you miss any installment, then, there'll be a penalty of flat 500 rupees. Now, suppose you've not paid the money even in the next month, then every day you will be charged 10 rupees as penalty, i.e., 300 rupees per month, plus 2% of the defaulted amount i.e. 100 rupees. So, you'll have to pay total 900 rupees as penalty next month. Now, in the next month, you've to pay 5900 rupees plus installment of next month i.e. 5000 rupees, so it'll amount to 10900 rupees, which has to be paid now. Suppose you don't pay again, so flat 500 rupees again, plus 10 rupees per day i.e. 300 rupees and it will keep increasing, plus 2% of defaulted amount, that is 2% of 10000. That will be charged as well. This way the loan amount will keep rising. If you take loan, then pay it on time, otherwise, don't go for it. Okay, so we did the whole discussion. Now let's see how to apply for personal loan from Moneyview Personal Loan app. To apply Moneyview Personal Loan, first you've to go to the Play Store and install the Moneyview Personal Loan app. After that, you've to open this app and you'll see this interface. Now here, it asks for some basic permissions, as I told you at the beginning of the concept that you've to give the location access, contacts, and whatever information it asks for. You can't skip this. So, scroll it down and simply click on the 'I Agree' option below. After that, it asks for some permissions 3-4 times, so you have to allow a couple of times. You're helpless here. You've to give all the permission it asks for. This is the problem of Instant Loan Apps. So, you've to give these permissions and click on 'allow' for all these notifications. After that, it'll show all the email IDs that are logged in to your phone. You've to select any one of them which you want to register with Moneyview. After selecting that, click on OK option below. Then on the next page, it shows your email ID. Then it asks for your mobile number that you want to register with Moneyview. Then, you've to simply click on 'Continue' below. Then on the next page, it'll automatically fetch your OTP, and then it'll take you to the next page. Now here on the next page, it asks for some basic details like your first name, last name, your education qualification etc., and you've to enter all these basic details. After that, move to the next page. On the next page, you've to put the monthly income that you mentioned before, like, I've mentioned 10000 rupees in the monthly income for the one I'm applying. So, according to that, it shows that he's eligible for a loan of maximum 1.10 lakh rupees. The calculation of the EMIs will be shown below, that if you take a loan for 18 months, then you pay this much on every instalment, or if you take a loan for 15 months, then you pay this much. So, select the tenure you want the loan for. After that, click on the 'Confirm and Proceed' option below. On the next page, it asks some additional details like education qualification, father's name, mother's name, the house where you live, whether it's your own house or rented. So, all these're the basic details which you've to enter. After that, you move to the next page. Then it asks you to verify your KYC. There're two ways to verify KYC. Either you can do it paperless or with DigiLocker. So, the easiest way is to do KYC with DigiLocker. You need to know the PIN that you set when you used DigiLocker. Even if you don't know the PIN, you can put any number and you'll be logged in. So, I'm simply selecting DigiLocker here. Then on the next page it asks you to enter your Aadhaar card number. Then enter this capture code as it is. Then, click on the 'next' option. Then, you'll receive an OTP on mobile for verification. Enter that OTP. Then it takes you to the next page. Here it asks the same PIN that you've set for the DigiLocker. If you remember, then put it in. If you don't remember, then set your another PIN here. Then, you've to click on the 'Done' option below. Then on the next page, it'll fetch your details from your Aadhaar card. You simply have to click on the 'Allow' option here. Then on the next page, it asks you to upload a selfie here for verification. It'll have your photo as a proof. So, here you've to simply upload the selfie. Then you have to click on the 'Done' option. Then on the next page it asks you that in which bank you want the loan amount to be credited. So, select the bank in which you've your account. E.g., the person for whom I'm applying for loan, has account in Axis bank. So, here I select the Axis Bank option. Now after that, it asks on the next page to verify your bank account. So, there're 3 ways to verify. I'll verify my Axis bank account through Net Banking. So, here I click on the second option, Net Banking. Then on the next page, it asks me to select my bank and enter the username and password of the bank and then click on the 'next' option. After that, it takes you to the next page after verification. After verification, it asks in which account you want to receive your money. So, automatically it shows the name of Axis bank. Here, I'll enter my account number, confirm the account number and after entering my IFSC code, click on the 'verify' option below. Next, it shows this interface on the next page. Here, it has reduced the loan amount, because it validates again later that how much loan you're exactly eligible for. So, you can check the exact and final loan amount here. If you think that the rate of interest is correct, everything seems to be correct, then below you have to click on the 'confirm' option. Then, it takes you to the next page. It asks to set auto-setup here. Auto-setup means that, after getting the loan in your account, from which account you want the EMIs to get deducted, so, that it deducts automatically every month, that is called the auto-debit. So, select that account here. Now, simply you've to select the account for auto-debit of the instalments, and verify the account. So, we can verify this through Net banking that from which account you want the money to be deducted every month. After that, the same verification process is repeated on the next page. It asks to select your bank, enter your customer ID, password and click on the 'next' option below, so that it can verify your auto-debit account. After that, it takes you to the next page. Here it asks you to confirm your address. You've to enter your PIN code, complete address, all the details of your address etc. After that, click on the 'confirm' option below. After that, on the next page, it asks some other details, such as, it asks you here to select anyone in the family. For example, if you select your father, then you've to enter his number. If you want to add friend's number in relative's section. This is just for their backup. If you default tomorrow, then it'll approach them. Anyway, they've already taken a lot of data already, but you've to do this. So, after doing all this, you move to the next page. Then, finally, you'll be shown a review page at the end, stating your loan amount, rate of interest, EMI, and all. If you still think that the interest rate is high or anything that you find unsuitable, then you can exit from here too. If you think everything's fine, then you've to click on the 'Continue' option below. And in about 1-2 hours or 3-4 hours, loan amount will get credited in your account. So, this was the complete review of Moneyview Loan App. I hope you found this concept informative. If you found this concept to be informative even a little bit, then please like this concept and subscribe to the channel. See you in the next concept. For now, this is the end of the concept. Thanks for listening and thank you all.

Friends, in this concept, we will discuss about the best credit cards. In this concept, we will discuss about 6 credit cards in total which means that all of these 6 credit cards are the best ones on today's date. If someone were to ask me today to recommend the six best credit cards issued by banks in India, this concept will focus solely on those six cards. At the beginning, I would like to request you to watch this concept till the end. Among these six credit cards, one card might be the best for someone, while another card might be the best for someone else. Additionally, I will be comparing these six credit cards. After discussing the first and second cards, I will highlight how they differ from the others. That means we will keep comparing all of these 6 cards every time. So that, you can clearly understand that which credit card is the best one for you. We won't discuss all six credit cards in great depth. Otherwise, as I've noticed before, the concept ends up being around 40 minutes long. I will share only the main features with you, so that, everything becomes clear to you. By the way, I have already made different concepts on all of these credit cards. I will share the links to all of those concepts in the description. I have already made 6 different concepts on these 6 credit cards. This is kind of a comparison concept, so that, you can understand that which credit card is the best one for you. So, let's start with the first one. The first one which comes in the list of these 6 credit cards is the Amazon credit card of ICICI Bank. Let's suppose, a customer has this Amazon credit card from ICICI Bank. It says that if the customer spends money on Amazon using this credit card, then he will get a cashback of 5%. No matter, if he purchases products worth Rs. 1 Lakh or Rs. 1 crore, it doesn't matter. If he purchases products worth Rs. 1 Lakh, then he will get a cashback of Rs. 5000. If he purchases products worth Rs. 1 crore, then he will get a cashback of Rs. 5 Lakhs. It means that there is no upper limit to getting this cashback. But the condition is that you will get a cashback of 5% only when you are a Prime member of Amazon. Now, what is this Amazon Prime? As you may have seen, Amazon Prime is an OTT platform where you can watch concepts. In the same way, if you are a Prime member of Amazon and you order a product, then it gets delivered very fast. If you are not a Prime member of Amazon, then if you place an order of any product on Amazon, then it might take 3-4 days or 2 days but if you are a Prime member of Amazon, then that product gets delivered to your home within 1 day. So, there are many facilities available. This Prime membership costs Rs. 1499 annually. Now, if someone is not a Prime member of Amazon and does not want to purchase the Amazon Prime membership for Rs. 1499 annually, then, if that customer purchases any product on Amazon using this credit card, they will receive a cashback of 3% instead of 5%. This is the only difference. Okay? So, the main thing is that if I talk about its joining fees, then also, it is Rs. 0 and if I talk about its annual fees, then it is also Rs. 0. If he doesn't want to become a Prime member and doesn't want to pay a single penny from his pocket, then if he purchases any product on Amazon, then he will get a cashback of 3%. If he purchases the Prime membership of Amazon, then in that case, he will get a cashback of 5%. Except that, there is another thing called Amazon Pay. It is just like Google Pay and all that you can scan any QR code, you can purchase gift cards, there are flights, hotels and other different things. It says that if you spend money on Amazon Pay using this credit card, then in that case, you will get a cashback of 2%. But there is a thing that if you make a flight or hotel booking on Amazon pay using this credit card only, then in that case, you won't get a cashback of 2% but of 5%. For the rest, it says that if you spend on any other platform, then you will get a cashback of 1%. If you opt for EMI on a product or make a one-time payment followed by EMI, you won't be eligible for any cashback. So overall, these are the features of this Amazon credit card. Now, let's compare this to another one. The second one is the Flipkart credit card of Axis Bank. As ICICI Bank has a tie-up with Amazon, Axis Bank has a tie-up with Flipkart. In this case, if a customer spends money on Flipkart using this credit card, then in that case, he will get a cashback of 5%. In this case, as well, there is no upper limit of the cashback. If he purchases a product worth Rs. 1 Lakh, then he will get a cashback of Rs. 5000. If he purchases a product worth Rs. 1 crore, then he will get a cashback of Rs. 5 Lakhs. But this credit card has a better feature as compared to Amazon which is that along with offering a cashback of 5% on Flipkart, it says that it has other partner brands like ClearTrip, cult.fit, PVR, Swiggy, earlier Tata Play was also there but it is not there any more and Uber which means that there are 5 brands. If a customer spends money on these 5 brands, then in that case, he will get a cashback of 4% which means that in the case of the Amazon credit card of ICICI Bank, there was a tie-up between Amazon and ICICI Bank only. and there was no special cashback on any other brand. In this case, there are 5 other brands as well. Along with getting a cashback of 5% on Flipkart, you can get a cashback of 4% on these 5 brands as well. Besides that, if you spend on any other platform, then earlier, you used to get a cashback of 1.5%, but now, because of the devaluation in Axis Bank, they have reduced it to 1% if you spend on any other platform except these. Here, I have attached a screenshot of devaluation as well. Another downside is that if you book a flight or hotel, or purchase any health-related product on Flipkart, you won't get any cashback, let alone the 5%. But in the case of the Amazon one, on any flight or hotel booking, you were getting a cashback of 5%. Now, there are a few exceptions where you won't earn cashback, such as fuel purchases or EMI payments. Here's a screenshot listing all these instances. If I go much deeper into it, then the concept will become long. I have attached the MCC code as well. You can take this screenshot. You won't get any cashback on these. With this credit card, you'll receive a welcome benefit: a Rs. 500 Flipkart voucher and a Rs. 100 Swiggy voucher upon card activation. Okay? Let's proceed further. You will get 4 accesses to airport lounges in a year. Earlier, you used to get these 4 accesses for sure but now, they have issued a condition that in the first quarter which includes January, February and March, if you spend Rs. 50000, then in the next quarter which includes April, May and June, you will get complimentary access to the lounge. But suppose, if you have spent Rs. 49000 using your credit card in the last quarter, then in the next quarter, you are not going to get that one access to the lounge. All of these things have been added when the devaluation happened. But before that, everyone used to get it. Let's proceed further. This was the eligibility criteria. The joining fees and the annual fees for this one are Rs. Rs 500 each. It can be waived off if you spend Rs. 3.5 lakhs annually. So, we have compared the Amazon credit card of ICICI Bank on one side and the Flipkart Credit card of Axis Bank on the other side. Now after that, the extract we get from these two which is that ICICI Bank was saying that you will get the cashback on Amazon and the Flipkart Credit card of Axis Bank was saying that you will get the cashback on Flipkart and another thing was that it was offering a cashback of 4% on 4-5 other brands. This is the main thing. The extract we have got from these two is the Cashback Credit Card of SBI. It says that you will get cashback on Amazon and Flipkart both. It says that forget about all of these if you spend on any online platform, no matter, if it is Amazon, Flipkart, Myntra, Swiggy or Zomato or you can even spend on any website, it doesn't matter. It will offer you a cashback of 5% on each of the online transactions. I mean that it has left both of these behind. However, these two credit cards are very good on their own. These are still in high demand. Sometimes, what happens is that if someone doesn't get the Cashback credit card of SBI, then he might get one of these two. These two are very good credit cards. If someone is eligible for all three credit cards, I would suggest they go for the SBI Cashback Credit Card. For the rest, you don't worry. I will provide the links of all of those 6 credit cards in the description which I will discuss in this concept. You won't face any problems. You can apply for any of these credit cards according to your choice. However, among the credit cards I am going to discuss, there are no better options We will discuss in detail how each card compares to the others. The first thing about this Cashback credit card is that you will get a cashback of 5% but it has a condition that monthly, you can get a cashback of up to Rs. 5000 only. This is not a worthless condition. There's no problem. If you spend Rs 1 lakh in a month, you will earn a cashback of Rs 5000 at 5%. However, if your expenditure exceeds Rs 1 lakh and you know it will be spent on Amazon, I suggest considering the Amazon credit card from ICICI Bank, as it has no upper limit. If you anticipate spending more than Rs. 1 lakh in a month, particularly on Flipkart, consider the Flipkart credit card from Axis Bank. If you think that where you are going to spend Rs. 1 Lakh in a month and that is also by using a credit card, then blindly, you can take this Cashback credit card of SBI. I have attached this screenshot. These are some of the things on which you won't get any cashback and another screenshot is attached here. on rent payments, fuel, wallet, and merchant EMI there will be no cashback. When it comes to fees, the ICICI Bank Amazon card has no fee. However, to avail of the 5% cashback benefit with this card, you need to invest 1499 rupees. Axis Flipkart card's fee was 500 rupees, and the SBI Cashback card cost 999 rupees. So, you must compare that too. This can be waived off if you spend 2 lacs in a year. Otherwise, you've to pay 999 rupees as it's joining and annual fees. But I'll say that SBI's Cashback credit card is the best so far if your annual expense online is less than 1 lac a year. So, the three credit cards we discussed, were best for spending online. The next credit card that we'll discuss is best if you want to save on fuel. I'd like to make a request. Creating these PPTs involves a lot of hard work and in-depth research. By now, I've covered so many credit cards that I can pick, choose, and compare them blindfolded when necessary. However, it still requires a significant effort. If you feel that this content adds value to your knowledge and you're enjoying the concept, please consider liking this concept, subscribing to the channel, and leaving a positive comment. You can just comment 'this is the best concept on the best credit cards'. That's all you have to comment and it'll be enough to motivate me to keep up the work. That's my request; it won't cost you a penny, but it will motivate me greatly. Let's move on. The best card for fuel is SBI's BPCL credit card. Its fee is 1499 rupees. No need to worry – this is the joining fee, but it says here that you'll get 6000 reward points as a welcome benefit. Suppose I get the credit card, and upon activating it, I receive 6000 reward points. Since 4 reward points equal 1 rupee, the 6000 reward points amount to 1500 rupees. This way, my joining fee gets waived off. I still have to pay 1499 as the annual fee every year, but its features are truly great. The first feature is the fuel waiver at Bharat Petroleum How much would that be? While the website mentions a 7.25% cashback, it's not exactly 7.25% because of the 1% fuel surcharge waiver. That's nothing significant For example, if you buy fuel worth 100 rupees and pay with a credit card, you're usually charged 101 rupees. With the 1% waiver, you'll be charged 100 rupees for fuel worth 100 rupees. This surcharge waiver is standard across credit cards. Therefore, we should consider it as a 6.25% cashback, meaning on fuel worth 100 rupees, we'll get 6 rupees and 25 paise as cashback. The condition is that you can receive a maximum of 625 rupees as cashback per month That means when you purchase fuel with 10k in a month, it's 6.25% would be 625 rupees. Now, if your expense on fuel is more than 10k a month, then I'd say that there's no other credit card that's better than this one in that case, you can get another card for your family No other credit card currently offers as much cashback and fuel savings. So, if your monthly expenditure on fuel is 20k, then you can make another SBI BPCL credit card for your family member. No other card will give this much benefit in fuel. So, that's that. Apart from that, you've to download their app – Bharat Gas app, from which you can order lubricants, gas cylinders etc. So, you can switch your gas connection to Bharat gas. Here, you'll also get 6.25% cashback. But you can get a maximum of Rs 125 as cashback per month. So, we can easily save 125 rupees a month here as well. Apart from that, on dining, departmental stores, movies and groceries, you'll get flat 2.5% cashback, and you can get up to 1875 rupees cashback per month. 1875 rupees as cashback is quite a lot, and this is only 2.5% of total expenses, which would be around 70k-75k. On any expenses other than these, you'll get a cashback of 0.25%. Now, you'll also get access to the airport lounge once per quarter another additional feature of it. Then it also says that if you spend 3 lacs a year, then you can choose a coupon from Aditya Birla, Yatra, or Bata worth 2000 rupees, and you can redeem it easily. You can ignore these liabilities – they're not that important. So, to sum up, you've to 1499 for it, and speaking of advantages, we'll get 1500 rupees as a welcome benefit, which waived off the fee; we can save 625 rupees on fuel each month; the fuel surcharge waiver is given by all; we can save 125 rupees using the app; and 1875 rupees can be saved per month on departmental stores, dining, movies, and groceries. Now, grocery is a basic need for all, so we can easily save a lot from here. So, it's a great credit card, which not only saves on fuel, but also gives great cashback on other things. The next credit card that we will discuss is best if you want a RuPay card. Suppose, you don't want a Visa or Mastercard, rather looking for the best RuPay card, then there are two types here. One is the Tata NEU Plus credit card, and the other is the Tata NEU Infinity credit card. Both of these have a tie-up with the HDFC Bank. The fee for the first one is 499 and the other costs 1499. Let me tell you all about it. There is this app called Tata Neu – I will spell it out for you – N-E-U. You will have to download it from the Play Store. You will have to install this Tata Neu app on your phone. you will find all items ranging from groceries, undergarments, clothing, electronics basically, everything that you get on Amazon and Flipkart 90% of all such items will be available here. You will get all the TATA products here – like Tanishq, which is a Tata brand; You'll also get groceries and everything else you need, like t-shirts, blazers, and other garments, or electronics like refrigerators, AC, and everything, from here. So, this app is kind of a rival app of Flipkart or Amazon. Suppose you don't have a card, but you make a purchase through the app. In this scenario, you'll receive a 5% cashback. For instance, if you buy a product worth 100 rupees, you'll get a cashback of 5 rupees. But if you have HDFC bank's Tata NEU Plus credit card, then while you were already getting 5% cashback from the Tata Neu app, but if you pay with this credit card, then you'll get an additional 2% cashback, which means, you'll get a total of 7% cashback by using the credit card. If you get the Infinity one, which costs 1499, instead of 499 If you're choosing between the two, I'd suggest getting the Infinity card. While you get 5% cashback normally, with this credit card, you'll get an extra 5% cashback. So, if you buy something worth 100 rupees you get a cashback of 10 rupees. So, you'll get a total cashback of 10%. It's a great RuPay credit card. So, those were the overall features, and here's a list of all the TATA brands available there. The best part is, being a RuPay credit card, if you opt for the Rs. 499 variant and make any UPI transaction, you'll receive a 1% cashback on that transaction. You will get a 1.5% cashback if you do a UPI transaction from the other card. It's a great credit card which also gives you airport lounge access. You get four times on the Neu Plus card and 8 times on the Neu Infinity card, along with 4 international lounge access as well. So, you get four domestic on this card and eight domestic on this one, along with 4 international as well. So, these are the features of these cards. The next credit card is from Axis Bank. This is also a great card. This is called the Airtel Axis Bank credit card. This is giving you a 25% cashback. What you have to do is download the Airtel Thanks app. If you use this credit card on Airtel Thanks app well, the fee for this card is 500 rupees only. So, you install this Airtel Thanks app. If you use this app for mobile recharge, broadband or wi-fi recharge, or DTH recharge, you will get a flat 25% cashback on that. Well, if I want to get this card and I don't have an Airtel SIM, then I'll port my number to Airtel. Whether it's Vodafone, Airtel or Jio it's almost the same but what matters here is that if I do a recharge, I get a 25% cashback even if it's Wi-Fi or anything else. But here the limitation is that, every month, I can only get a cashback of up to 250 rupees. So, they're giving 25% cashback, but only up to 250 rupees. This implies that you will receive the maximum cashback benefits by spending Rs 1000 per month. Secondly, If you make any utility bill payments through the Airtel thanks app like electricity, water or gas bills you get a 10% cashback. That's great, but again the monthly limit for cashback is 250 rupees. And you can spend a maximum of 2500 rupees in order to get a cashback of 250 rupees. Thirdly, you get a 10% cashback on orders from Swiggy, Zomato, or Big Basket. This is great too. Considering that it has a joining fee of only Rs 500, I have not seen so many features on any other credit card. Again, a limitation is that all these discounts put together you can get a maximum of 500 rupees cashback every month. So, to avail the maximum benefit, the maximum you can spend in the month is 5000. Apart from that, if you spend anywhere else, you'll get a 1% cashback. Now, its joining fee is 500 rupees. So, as the welcome benefit after receiving the card, if you make a transaction within the first 30 days you will get a gift voucher of 500 rupees from Amazon. So you can use this on Amazon easily, and your joining fee is in a way redeemed right away. So, these are all the basic stuff – fees and all. So, the joining fee is 500; no annual fee is applicable in the first year; after that, you've to pay Rs 500 annually. So, these were all the features. I will share the links to all the credit cards in the description box below. My only request is, if you found this concept informative, please like, subscribe, and leave a positive comment. Even a simple comment like 'this is the best concept on the best credit cards' would motivate me to create more content. So, for now, this is the end of the concept. Thanks for listening and thank you all.

in this concept i want to show you how  to sign up and get the referral bonus   from crypto.com successfully as simple as  it might seem i failed to get the 25 bonus   and my friend who referred me also failed to do so  and that's because somehow their system failed to   track the referral between us and i don't want  that to happen to you and so i'm going to tell   you the safer way of making sure that you can get  that bonus by using the copy and paste approach so in this webpage let me enlarge for you there  are four steps and they are easy first step you   download the app go to app store search for  crypto.com and you'll find it the second step   is crucial during signup you have to enter my  referral code which is this you have to copy this   code you have to either control c or if you're on  a mobile phone select and hold and then copy it   as stated in their knowledge based there's this  button invited at referral code tap on it and then   paste the referral code there so continue sign up  and step three it is part of your signup you have   to do your kyc verification this is necessary  because financial apps require all the strict   identity verification so bear with it and then  go through it but once you pass the verification   you will see the 25 usd but it will be locked  how to unlock that you have to go to step four   the final step which is to stake for visa card  or more precisely the metal visa card which is   actually quite nice so there are different card  tiers so you have to get ruby steel and above   which means taking 400 usd and more just don't get  a midnight blue which doesn't require any staking   but this will not give you the bonus so don't  apply this so let me show you the process of   signing up for this card so in their knowledge  base they have all the screenshots let me just go   through with you so that i get a few it's actually  very easy no in the app there's this card tab tap   on it and just follow to follow the steps to to  select your card and then and then sign up in   this stage they will ask you to purchase and hold  cro for six months this is the 180 days staking so one of the thing that i want to  point out in their screenshots is that   you see that you can unlock 50 usd one  year ago actually their sign up bonus is 50   usd but now it's half and we only get 25  but it's better than nothing so when you   purchase they'll use the current rate of cro  to usd in fact one year ago the price of cro is   much much lesser so if the same things happens if  cro value continues to grow if you stake it today   six months later cro might be higher price and if  you then sell that cro you actually make a profit   of course it comes with a risk it can go up it  can also go down but i will say that you should   continue sticking it six months and after it ends  you can restrict it and that's necessary because   when you're sticking for the card you do get  additional benefit and i highly recommend that you   do so and in the next concept i'll talk about how  to invest with crypto.com by sticking other tokens   so lastly let me share with you the issue  i had with getting my referral bonus   i was using the option a which is to use a  referral link so my friend sent me the link i   opened it up but because i was using brief browser  and it has ad locker and i believe that caused   the referral code to be dropped it wasn't  prefilled in and i didn't know that so this is the   current track the code i actually raise it up with  their cs their customer support is actually pretty   good that in the app you can message them and  they'll reply you maybe maybe around a day so they   helped to check for my case and their reply was  simply that their system didn't capture the code   so the app is fantastic everything about them is  good accept this screw up with the referral bonus   but i think um an exceptional case i don't  think this will happen to you is you if you   use the option b which is to copy and paste the  referral code that should be fine so do still sign   up for it and i highly recommend it as i said  in the next concepts i will tell you more about   investments on other tokens staking it and getting  some yield of ten percent so till then bye bye

Hello friends, in this concept, we'll discuss how can we take a personal loan from Buddy Loan. In this concept, I'll show the step-by-step process of acquiring a personal loan from Buddy Loan from home. Let me quickly show the whole process on the screen. All these, including how to enter your details, and the rest of the process will be explored, but we'll see them at the end of the concept. Well, the process takes only 2 minutes, which we'll go through at the end, but first the platform, i.e., Buddy Loan, from which we're going to get a personal loan, which is quite the talk in the market nowadays. – so, first, we should know all about Buddy Loan, the instant app. So, the main interface of it looks as such, and it's written here that their approval rate is 80%. So, out of 100 applicants, it's expected that 80 will be able to get loans easily from Buddy Loan according to them. But let me tell you something before we begin that you'll only get a loan if your CIBIL score is all right. But if your CIBIL score is in bad shape, then you might get a loan of a very small amount, around 5k or so, but the rate of interest will be outrageous. Well, we'll talk about these later on. Here's another screenshot of Buddy Loan. They say that they give loans of up to 15 lacs and 10k is their lower limit. Then it says that your minimum tenure has to be 1 year and a maximum of 5 years for the loan taken from Buddy Loan. So, this is written there. The rate of interest starts from 11.99% and a lot of people will say that you'll get the loan at an 11.99% interest rate, but it's not like that. The interest rate begins from 11.99%, but it can reach 36% or 40%, and you may also get it at 12%. So, that's that. The interest rates of instant loan apps are usually much higher than that of the banks. The last thing is that Buddy Loan is India's biggest aggregator app. We'll discuss this later – this is perhaps the most important point here. Well, let's come back to its main interface. So, when you visit Buddy Loan's website, of course, you'll see the mention of personal loans; but along with that, they also claim to provide car loans, two-wheeler loans, medical loan, education loan; then, there's home loan, gold loan – so, they're claiming to provide different types of loans. Well, when I clicked on the option of Home Loan, to check whether they really provide home loans or not. So, I clicked on Home loan, then it asked me to enter my mobile number, then I received an OTP, then it asked me to enter the loan amount, so I entered 10 lacs. Then it asked for my email address and I entered it, and clicked on 'Next'. Then on the next page, it asked what type of loan I was looking for – whether it's a personal loan or a business loan. Well, when I'm seeking a home loan, why am I given options of personal loan and business loan? What it means is that no matter what option you click on car loan, medical loan, education loan – whatever you click on, you'll be directed to this page, with only the option of personal and business loans. While the interest on personal loans is expensive, home loan interest rates are usually 8-9%. So, if want to buy a house, then why should I opt for a personal loan? Similarly, when I clicked on gold loan, I had to fill in all the details again, only to be directed to select one between a personal loan and a business loan. So, clearly, it's nothing but a facade – whether you click on travel loan, medical loan, two-wheeler loan, car loan, home loan, or gold loan, you'll be redirected to the personal loan page So, you must have knowledge of these Don't assume that clicking on 'home loan' will actually provide a home loan; instead, you'll find yourself redirected to a personal loan offer. If you're getting a home loan at 36%, then what's the point of getting that? You can easily get a home loan at an 8-9% interest rate nowadays So, keep in mind that they only offer personal loans Next, I had entered a random birth date as 2023 to check the minimum age requirement, So, it showed that the minimum age to apply for a loan at Buddy Loan should be 18 years. So, we're done with these. Now, let's come to the main point, that is, it's the biggest loan aggregator app. Buddy Loan doesn't give you loans directly. It's not that a customer shows up and comes to Buddy Loan, and Buddy Loan gives the customer a loan – suppose, you need a 1 lac-rupee loan; so, you come to Buddy Loan, enter all your details, and Buddy Loan grants you your loan – it doesn't work like that. Buddy Loan is nothing but a middleman; customers come to Buddy Loan, and Buddy Loan redirects them to different personal loan apps. and secure some commission in the process. This is what Buddy Loan does they don't give you the loan directly. Let me show you a screenshot here when I applied for a loan from Buddy Loan, I entered all my details, and it showed here that my loan request had been submitted. I got this message after entering all my details. As soon as I clicked on the 'submit' option, it took me to the next page, where it showed that I'm eligible for the loan from Aditya Birla, Branch – it's an instant loan app, Moneyview – another instant loan app, and there was Yes Bank and many other instant loan apps. So, what it means is that when a customer comes to Buddy Loan, Buddy Loan sends the customer elsewhere. So, suppose I applied for a loan in Buddy Loan, have done all the process, and at the end, it shows a list of other loan apps from where I can get a loan. So, when I click on one of those, I have to download that app from the Play Store. So, what's the point of Buddy Loan then? If I wanted to take a loan from Moneyview, I'd have gone to Moneyview directly. Why should I go to Buddy Loan then? Let me clarify something this is a customer who goes to Buddy Loan, and Buddy Loan sends them to Moneyview. So, the customer goes there and hence it's obvious that they'll get some commission. They're certainly not providing charity. Nothing comes free of cost today, so it's quite simple that well, if I wish to get a loan, then I could simply visit Moneyview directly. And it's not that Buddy Loan is the only app that's acting as an intermediary, there are so many apps which do the same. I've gathered some more examples as well, like PhonePe personal loan, which I have discussed in another concept. If you come to its interface, you'll see it's clearly written there that it's a sponsored link, which is great. And here, it's saying that if you want a loan, then go to Buddy Loan. Well, this is even worse. So, here's the customer and he applies on PhonePe, then PhonePe sends him to Buddy Loan and secures its commission, then Buddy Loan sends him to Moneyview for example well, that's enough to make customers go mad. It's got the commission too, indirectly from the customer. The customer's paying both these two. So, why should not the customer go to Moneyview directly then? It's quite simple. Let me give you another example. There's Google Pay. Google Pay also gives loans. So, how does that work? Google Pay has tied up with an NBFC called DMI Finance and it gives loans through them. So, the customer goes to Google Pay, and Google Pay sends him to DMI Finance in exchange for a commission. Another example – I'd put some screenshots of Google Pay's interface with rate of interest and all – well, let's leave it now I've already discussed it in another concept. Similarly, there's Bajaj Finserv, which has tied up with Moneyview. Bajaj itself gives loans but has tied up with Zype, Kissht etc. too. It has clearly mentioned that it has more than 15 partners. In the same way, customers come to Bajaj and Bajaj sends them elsewhere in exchange for a commission. There's Paytm too – Paytm has partners as well Hero, Tata Capital, Aditya Birla, Poonawala etc. Again, the same, customers come to Paytm and Paytm sends them to other apps. Well, the matter is that, in India, there's a significant lack of financial literacy. People think that if they're applying to Paytm, then it must be some other app by Paytm that they're being sent to for a loan. Many of you watching might find this quite basic and perhaps too simple But you must understand- you might be able to avoid all these, but there are a lot of people out there who don't know about these. Why should we pay so much commission? I always suggest that if you want a loan, then go to the bank. Why opt for instant loan apps where nothing is straightforward? Anyway, leave it There's Flipkart too. A good thing about Flipkart is that it has a tie-up with Axis Bank. At least it has a tie-up with a bank. But still, I'd say that instead of going to Flipkart, go to Axis Bank directly. So, these are all the things I wanted to tell and you should have knowledge about these too. Secondly, I've already told you everything about Buddy Loan, and since you're here, I'll show you the process as well. So, let's see if you still wish to take a loan from Buddy Loan, then let's go through the process. Otherwise, I've already clarified that if you are to take a loan from somewhere, go there directly. And I also want to say that the rate of interest and fee processing of the instant loan apps are extremely high as compared to banks. That's why I always prefer banks. But I get questions that if one doesn't file an ITR or doesn't have a proper salary slip, then how do they get a loan from the bank? In such cases, they say, the only option is instant personal loan apps. So, if that's the case, select an instant loan app with the lowest interest rate and ensure that the app provides the loan directly, not as an intermediary. This is my personal opinion; the rest is your choice. Let me tell you the process of Buddy Loan now and show you how can you apply for a personal loan from Buddy Loan from home. To apply for the loan from Buddy Loan, first, you've to go to Play Store, and install the Buddy Loan app. After that, it asks you for your mobile number and as you enter the mobile number, you'll receive an OTP for verification, which you've to enter. Then, you're asked to put the loan amount, so select an amount from here, and then you've to click on this 'Next' arrow. Then on the next page, you've to enter your PAN card number, then click on the 'Next' arrow. After that, you've to enter your email ID on the next page, and click on the 'Next' arrow option once again. Then, on the next page, you've to select your employment type select 'salaried' if you have a job, and 'self-employed' if you've your own business. Whatever option you select, you then have to click on the arrow adjacent to it. On the next page, it asks your workplace type – if it's public sector, private sector, or government sector – so, you've to select your employment type and move on to the next page. Then on the next page, you've to enter the company name, and then click on the 'Next' option. Then you're asked to enter your designation or fresher, or the role you play in the company you've to enter that and click on the 'Next' option. Then, on the next page, you've to enter the PIN code and the city of your company, and the state it's located in– all the basic details – and then click on the 'Next' option. Then you're asked how long you've been working in that company, so select the years and then click on 'Next'. Then, you're asked what's your monthly income, so you've to enter your monthly income here, and click on 'Next'. Then you're asked to select the mode of salary whether it's cash or bank credit. So, you have to select one and click on the adjacent arrow to move on to the next page. Then, on the next page, you have to select the bank where your salary gets credited. After selecting the bank, you simply have to move on to the next page. Then, on the next page, you've to enter your name as it is which is typed on the PAN card. After entering your first and last name, you've to click on the 'Next' option. Then on the next page, you're asked to verify your current address. So, verify the PIN code, city, and state of your current address. So, after confirming these basic details, you've to click on the 'Next' option. Then, on the next page, you're asked to enter your residential status, whether it's your own home, a rental property, or under your parent's name, etc. so, select your home type and click on the adjacent arrow. Next, you're asked to enter your date of birth, so select that and click on 'Next'. On the next page, you've to select your gender and click on 'Next'. Next, you're asked about your qualifications, whether you're an undergraduate, graduate, or post-graduate. Select your qualification and click on the adjacent arrow. On the next page, you've to select your marital status. Then, on the next page, you've to enter your father's and mother's name and click on 'Next' to move on to the next page. Then, on the next page, you're asked whether you're currently repaying another loan or not, and if so, what the EMI amount is So, whatever the amount is – if you're paying off another loan, then what's the EMI amount of this loan So, if there isn't any other ongoing loan, then select 0 here, and click on 'Next'. Then, it asks whether you're interested in getting a credit card or not. Select 'yes' if you're interested; if not, then select 'no'. Select an option that you prefer and then move on to the next page. Then on the next page, you'll see the final 'Submit loan request' option, and all you've to do is click on the 'submit' option below. Then it'll take a little loading time. Then it says here that there are two lenders – CASHe and KreditBee who are interested in giving you a loan. So, as I mentioned earlier, it'll show different apps again, they're not giving the loan directly, so if I select KreditBee, then you'll have to go to Play Store to install KreditBee and follow the process of KreditBee. Buddy Loan will just enjoy the commission. So, simply speaking, this is the process. If you select KreditBee, then I've made a separate concept on that. If I show the process of KreditBee, then this concept will become way too long. So, all you've to do is, type 'KreditBee instant loan' and put the channel's name in brackets, that is, XY-Axis Education. So, you can check out the detailed concept on KreditBee too. I hope you found this concept on Buddy Loan informative. For now, this is the end of the concept. Thanks for listening and thank you all.

Friends, in this concept we will discuss that in today's date, if someone wants to take a personal loan from any instant personal loan application, then which application will be the best In this concept, we will discuss three applications that have zero chances of fraud If we talk about the processing fees or the rates of interest for those applications, then also, it is very low, if we compare these three applications with other instant personal loan applications. Okay, before this, I have made two concepts on the best instant personal loan applications. In those, I have made everyone understand with very much love that we should always take loans from the banks only and not from these instant personal loan applications. That has some reason as well. See, I will definitely share three applications in total. I will share the process of application as well with you. But the things I am telling you right now are the most important things which we will discuss at the start of the concept. After that, at the end, I will make everything clear in this concept. Except this, you don't need to go anywhere else. This is the reason I explained in that concept why you should take loans from banks. See, no matter even if the instant personal application is registered with the RBI or not, those have very high rates of interest. For a few, it starts from 12% and which percentage it will reach to the maximum is still unknown. Some have a starting rate of 29% or 36%, and even go up to 48%. In the same way, if we talk about processing fees, it's 15%. This is a significant amount compared to banks, where the processing fee for personal loans is only 1-2%. So, these were a few reasons. I mean that I had shared some examples there as well like I had an active personal loan in the ICICI Bank. So, the interest rate I was paying them for that loan was 13.4%. So, we can get personal loans from banks at an interest rate of 13.4%. Why do we then opt for instant personal loan applications where we need to pay rates of 28%, 30%, 35%, 40%, 45%, which is very common? except that, I have taken examples of other banks as well like ICICI Bank has a starting rate of 10.50%, SBI has a starting rate of interest of 11% for personal loans. So, we had discussed a lot of things. But in that concept, I mean that we have talked about many things very deeply. So, I requested all of my audience to comment 'I agree' if they agreed with my words. You can check the concept right now to verify that 99% of the audience commented 'I agree'. The remaining 1% of the audience didn't express disagreement. but they said that this is absolutely correct that these instant personal loan applications are taking advantage of someone's compulsion and the second thing is that their rates of interest are also very high and they charge a high amount of processing fees. When we apply for a loan, they take access to our gallery, contacts, and other important applications. In case anyone defaults then they have all of the contacts. So, their way of recovering is also very bad. What they will do is that they will call your relatives like your uncles and aunts up and will tell them that their relative has taken a loan. I mean if someone faces any compulsion and makes any default, then they will defame that person among his relatives. So, many people have commented that my words were absolutely correct and they completely agree with me but they have asked me... I have found this comment very genuine and on behalf of this comment only, I am making this concept for you. Okay? Many people have commented that you work in a bank and you have a proper salary slip. You file ITR properly. So, it is very easy for you to suggest to take loans from banks. You will apply for a loan to the bank and you will get it. But there are many such people in the country who don't even know that how they should file ITR. They have a job but they get payment in cash like someone who works as a laborer gets Rs. 12000 or Rs. 15000 in cash. The banks offer nothing to these people in the name of loans. They will never get loans from banks. This is a compulsion of these people that they need to take loans from the instant personal loan applications. Then it occurred to me that the topic is absolutely genuine. I mean that I was thinking about this for a very long time that what kind of wonder these instant personal loan applications have done that many people are taking loans from these. If you notice, then you can see that in the last 2-3 years, the finance sector has got a huge boost. So, after seeing this only, I become like no. It is right that many people in India need loans. Banks don't offer loans to them. The thing is that this is their compulsion that they can get loans from instant personal loan applications only. But in that case, this is our responsibility that at least... See, the first thing is that if the compulsion is very serious, then only, we should take loans from the instant personal loan applications. After that, we need to make sure that we should not touch any Chinese loan application even by mistake. We should not blindly install applications and take loans from them. I will share three applications with you in this concept which are registered with the RBI. Okay? See, the rate of interest is high for each of those. But yes, those are good applications and are running well. You will have to pay more rate of interest. Let me make this thing clear. If you default on a loan, then the way of recovering is also not good. But yes, if you are taking the loan and repaying it with honesty, then it is fine. We can use these applications in compulsion. Now, there's one more thing we should be aware of... We will talk about that thing now and then, we will discuss about those three instant loan applications. Now, let's see how these instant loan applications work. See, let's suppose that I have applied for a personal loan to ICICI Bank. So, ICICI Bank already have the money and they will give you the money from there only. But if I talk about any instant personal loan application, then they don't have their own money. What they do is, suppose they need to lend money to a customer. They either borrow money from banks and lend it to you, or they borrow money from an NBFC and lend it to you. But today, what some of the instant loan applications are doing is that they are only cross-selling. For example, you must have heard about BuddyLoan a lot. Now see, what Buddyloan is doing is that... This is Buddyloan, okay? When you will visit the Buddyloan application, then it is properly written that this is a loan aggregator only. See, I am making this thing more clear to you. After completing the entire process on BuddyLoan as a trial, in the end, when it accepted my request, it stated that I was eligible for the loan and could take a personal loan from these applications. It has more applications down below like KreditBee and 3 to 4 more applications. There was an application named Five as well. So, it was saying that you can take a loan from these applications. That means, it has taken my data and it is referring to me that I should install these branch applications. I can take a loan from MoneyView, Yes Bank, KreditBee or Five. Tell me one thing that I have come to BuddyLoan to take a loan. Suppose, this is the customer and he had visited BuddyLoan. BuddyLoan has referred any other application to him further. I would have taken a loan directly from this application only, right? See, notice one thing if there is any instant loan application, as an example, let's take KreditBee. Kreditbee won't refer to any other application further. Suppose, a customer has visited. KreditBee has four partners like one which I can remember is Aditya Birla. Then you should either refer to Aditya Birla. Then it is fine because it is a NBFC company that it has to give the money. If the application, KreditBee asks me to install the application, MoneyView, so that, you can get the loan. Then, I could visit MoneyView directly, right? So, this is very important to understand that if any application is referring any other instant loan application to you, then you should be aware of that application. Let me give you another example which is PhonePe. If you visit PhonePe to take a loan, then it asks you to take the loan from BuddyLoan. A customer has visited PhonePe. PhonePe has sent him to BuddyLoan. Now, this BuddyLoan will send him to MoneyView and then MoneyView will take the loan from any NBFC and will give it to him. Then, I should take the loan directly from MoneyView, This is a very simple thing. There will be a question that you can take the loan directly from NBFC only. Now, the thing is that NBFC works in the same way the banks do. Then, they reject your loan. So, you will have to take any of the instant loan applications, if you have a bad CIBIL score. If you have a good CIBIL score, then completely ignore this thing. You will have to take loans from the banks only. Let's take another example. We will come to those three loan applications and will share the whole process with you. But this is a very important thing. You know, what I don't like is that I prepare the PPTs deeply. But some people get bored with this and ask to come to the point directly. It would be better for me to come to the point directly. I will get the same number of views and income from YouTube. If I come to the main point directly, then I can easily make 10 concepts per day, if I only need to share the process of clicking here and there. Sometimes, it takes one to one and a half days to prepare one PPT. So, I would request that if you think I am providing valuable knowledge, please like this concept, subscribe to this channel and leave a positive comment. Kindly give the same positive comment which is 'I agree and I am with you'. This much comment is enough for me. These comments make me very happy, and I feel motivated to continue making detailed concepts by researching deeply. Now, let's see this thing once again. Let's take Bajaj Markets as an example. They also have partners. What will it do? It will take all of your details and then, it will refer you to MoneyView or other such applications or to some banks. So, there is no profit to take loans from these as this one has 15 partner brands. There are more examples, like Tata Neu, which offers loans up to Rs. 10 lakhs. Here, it also has some partners like KreditBee, CashE, MoneyView. So, we can take loans from them directly, right? You need to understand this concept a bit. Now, let's discuss the three best instant loan applications available to date. I will share four applications instead of three, Now, at first... Okay, this was the last one left which is CreditLinks. It is the same thing only which has partners like MoneyView and all. Okay? Now, we will discuss about 3-4 best instant loan applications. See, on today's date, the best one is MoneyView. See now, here, don't take this thing like this that it is MoneyView, so it is the best one. I never feel inclined to promote these apps. I am making this concept for those who are not able to get a loan. What is the scene with MoneyView? See, the first thing is that the rate of interest... Now, let me show you another thing. They have written here that the rate of interest is 1.33% per month. They present this as their rate of interest: 1.33% per month. Now, many people think that it's only 1.33%. When you will multiply this with 12, then only, you will get the annual one. So, the rate of interest is 15.96% which is approximately 16%. Their rate of interest starts from 16%. Don't think you will get it at 16%. I have seen many people who say that they can get loans at 16%. Banks offer loans at 16%. If these applications could offer loans at 16%, then it would be perfect. Then why would these applications be worthless? So, that is the thing that it starts from 16%. If your CIBIL score is bad, then it can be 20% or 25% or it can reach 30% as well. This thing works depending on your CIBIL score only. But yes, this one is a trusted application and is registered with the RBI and no such fraud will happen to you that you have not got the money and it is recovering the money. Nothing like that will happen but yes if you make a default... Whenever you pick up an instant personal loan application, 90% of them will request access to your gallery, contacts, location, and other phone features. If you default on their loan even by mistake, then their way of recovering the money is absolutely third-class. They will call your relatives up. Let's suppose, you default on a loan from the bank. Then the banker will visit your house and pressure you to return the money. Bank representatives will also come to your home but they will not go to your uncle or aunt's house to curse you. They will only visit your house. Their way of recovering is like that they will defame you among your relatives. So, the only thing I dislike is their worthless way of recovering the money. okay, let it be. If we talk about MoneyView, you can get loans of up to Rs. 10 lakhs. The age should be 21 years. Now, let's discuss other topics, such as the need for loans among 18-year-old students. Which applications are available for them? For the rest, the minimum age for this one is 21 years and the maximum age is 57 years and these are some of their lending partners. So, this one is not sending you to any other application but to the NBFC companies or to some banks for the loan. I mean that they will not send you somewhere. I will share this process with you. You just need to follow the application process, and you will get the loan from here. It has tied up with them for its own benefit. MoneyView will borrow money from any of these sources and lend it to you. So, it is obvious that MoneyView doesn't have its own money. It borrows money from another company. It has simply created its own app to sell loans. It's a straightforward story. The second one is TrueBalance. On the first number, it is MoneyView and on the second number, it is TrueBalance. Now, the rate of interest and processing fees of TrueBalance are very high. If you are over 21, then cross it off the list. This is just for those who are 18 years old because the minimum age to apply for this is 18 years. So, if any student needs a loan, then it is fine. Because see, in the case of MoneyView, I was getting a maximum loan of up to Rs. 10 Lakhs at a 16% rate of interest but here, the rate of interest starts from 28.8% which is around 29%. It directly has a 13% more rate of interest than the previous one. Let's suppose that in the case of MoneyView if the processing fee is 2-3%, then it has a processing fee of 0-15%. What is 15%? If the processing fee is of 15% and the loan amount is of Rs. 1 Lakh, then only Rs. 85000 will get credited to the account and the loan amount to be repaid is Rs. 1 Lakh and let's suppose that their rate of interest is 30-35%. So, what did I get? Only Rs. 85,000 has been credited to the account, and the loan amount to be repaid is Rs. 1 lakh, also at an interest rate of 30-35%. That means that this is for only those who are very much in need and if he is 18 years old. For that reason only, I have kept it on the list. And yes, another thing is that it is registered with the RBI and a bit trusted. For the rest, the rate of interest is hilarious. I don't know but I am sharing this with you in compulsion. I mean, I don't want to do this. If someone has a good CIBIL score, then I would request him to avoid this one. The third one is KreditBee. This application is also okay. It has tied up with 4 NBFCs. As you can see here, the minimum age is 21 years. Sometimes, they limit the amount to Rs. 4 lakhs, and sometimes up to Rs. 5 lakhs. This information gets updated on the application, so you need to check that out The maximum tenure for a personal loan is 48 months, which is 4 years. and the rate of interest starts from 15% and can reach up to 29%. So, from the perspective of interest rates, it is good. whereas MoneyView offers 16%. Both offer almost the same rate of interest but KreditBee offers loans up to Rs. 4 Lakhs whereas MoneyView offers loans up to Rs. 10 Lakhs. For the rest, both applications are good. I will share another application with you for the fourth spot, which I had not included here. It also has good feedback. Its name is Navi personal loan application. It has a processing fee of 0% which is a very good thing and you can trust this as well. Okay? So, these are the four applications which... See, every application has some cons. If you compare those with banks, then according to me, all of these four have some cons. Okay? But yes, that comment comes to my mind again and again which is that the person who doesn't have any CIBIL score and is taking income in cash needs to put this while applying that he is from a salaried class and is getting income because these people don't understand in most of the cases and ask to upload the bank statement. In a few cases, you get a loan without even uploading the bank statement. So, in that case, let's suppose that someone is getting a salary credited into his account. He doesn't have proper ITR and all. Okay? In that case, as well, he will upload his bank statement. So, there are chances that he will get a loan from here. Okay? If someone gets into an emergency, he will get the loan. So, in that context, these four applications are all good choices. Now here, I am sharing the process for one application and it is the same for the rest of the applications as well. As a demo, I will quickly show you the process for MoneyView. I will demonstrate how you can get a loan from MoneyView. For the rest, on YouTube, everyone has made concepts. The main point was to share the 4 applications with you. You can get loans from whichever application you want. Okay, let's do one thing. I am sharing the process for MoneyView, and it is the same for all of those applications. I will share all the links in the description box below. You can easily apply through those links. I am sharing the process for one application, and it is the same for others as well. I would like to request one thing from you: if you find this concept nice and informative, please like the concept and subscribe to the channel Now, let's see the process for MoneyView quickly. To apply for the MoneyView personal loan, at first, you will have to visit the PlayStore and will have to install the MoneyView: Personal Loan App. After that, you will have to open this application and such kind of interface will be seen on your screen. Now here, it is asking for some basic permissions as I had told you at the starting of the concept that you will have to give the access to your location, contacts and all as it's your compulsion. So, you will have to scroll it down and then simply, you will have to click on the 'I agree' option. After that, for 3-4 times, it will ask to allow to take permission. So, you will have to click on 'Allow' again and again. The thing is that it is your compulsion. You will have to give many permissions mandatorily. This is the thing about these instant loan applications. So, you will definitely have to give the permissions. So, on the notification showing 'Allow', you will need to click on 'Allow' again and again. After that, on your phone, all the Email IDs which are logged in will be shown in front of you. Among these, you will have to select one Gmail ID which you want to register with MoneyView. After selecting that, you will have to click on the 'OK' option down below. After that, on the next page, it will show your Gmail ID and will ask for your mobile number which you want to register with MoneyView. After entering that, you will simply need to click on the 'Continue' option. After that, on the next page, it will automatically fetch your OTP and then, it will take you to the next page. Here, on the next page, it will ask for some of your basic details like your first name, last name, educational qualification and you will have to enter all of these basic details. After that, you will have to proceed to the next page. After that, on the next page, the amount of monthly income you had entered previously like for whom I am applying to, I have entered his monthly income as Rs. 10000. So, according to that, it is showing that he is eligible for the maximum loan amount of Rs. 1.10 Lakhs. It is showing the interest down below as well. Suppose, you take the loan for 18 months, then the amount of interest will be this much and if you take the loan for 15 months, then the amount of interest will be this much. So, the tenure you want the loan for, you will have to select that. After that, you will have to click on the 'Confirm and proceed' option down below. After that, on the next page, it is asking for some of your additional details like your educational qualification, father's name, mother's name, if the house where you live is owned by you or is rented. So these are all of the basic details which you need to enter again. After that, you will have to proceed to the next page. After that, on the next page, it is asking you to verify your KYC. There are two ways to verify KYC. Either, you can do it paperless or via DigiLocker. So, the easiest option is that you get the KYC done via DigiLocker. When you had set the DigiLocker, then you must have set a PIN. You just need to remember the PIN. If you don't even remember the PIN, then also, you can enter any number and you will get logged in. So simply, I am selecting the DigiLocker option here. After that, on the next page, it asks you to enter your Aadhar Card number. After that, you need to enter the Captcha code you can see below as it is. After that, you will have to click on the 'Next' option down below. After that, on the next page, you will receive an OTP for verification. You will have to enter that OTP. After that, it will take you to the next page. Here, it is asking for the same PIN which you had set for DigiLocker someday. If you remember that, then enter it. If you don't remember it, then you will have to set a PIN on your own. After that, you will have to click on the 'Done' option down below. After that, on the next page, it will fetch your details from your Aadhar card. Simply, you will have to click on the 'Allow' option here. After that, on the next page, for your verification, it is asking you to upload your selfie, so that, they can get your photo as a proof. So simply, you will have to upload your selfie here. After that, you will have to click on the 'Done' option down below. After that, on the next page, it is asking that in which bank you want to receive the loan amount. You will have to select the bank in which you have an account like for whom, I am applying for the loan, he has an account in Axis Bank. So, I will select the 'Axis Bank' option. Now, after selecting Axis Bank, On the next page, it is asking you to verify if that is your bank account. So, I can verify it in three ways. Here, through net banking, I can verify that my account is in Axis Bank only. So, I will click on the second option which is the Net banking one. After that, on the next page, it is asking me to select the name of my bank, to enter my username and password and then, you will have to click on the 'Next' option down below. After verification, it will take you to the next page. Here, it is saying that after verifying Axis Bank, in which account you want to receive your loan amount. So automatically, it is already showing Axis under the bank section. Here, I will enter my account number and will confirm the account number and after entering the IFSC code, I will click on the 'Verify' option down below. After that, on the next page, it will show this kind of interface on your screen. It has reduced the loan amount a bit here because later, it again validates the loan amount you are exactly eligible for. So, whatever exactly the final loan amount it will show here, you will have to check it from here. If you think that the rate of interest and all are absolutely perfect, then you will have to click on the 'Confirm' option down below. After that, it will take you to the next page if you confirm it. Then here, it is asking you to set the auto-setup. It is fine that the amount has got credited to your account. Now, auto-setup means that the amount of EMI which will get deducted every month should get deducted from which account. So, every month, it will be done automatically which is called auto-debit. Here, you will have to select that account. So simply, you will have to select the account from which you want the amount of EMI to get deducted and will have to select and verify that account. So, let us get it verified through Net Banking only that from which account, I want the amount to get deducted every month. After selecting Net Banking, on the next page, it will again ask for the same kind of verification process as it was earlier. It is asking to select the bank first, to enter the customer ID and password and then click on the 'Next' option down below. So that, it can verify that from this account only, the amount of EMI should be deducted every month. After that, it will take you to the next page. Here, it is asking you to confirm your address wherever you belong to. So, you will have to enter your Pincode and complete address. After entering all of the details regarding your address, you will have to click on the 'Confirm' option down below. After that, on the next page, it is asking for more of your details like here, it is asking you to select any of your family members. For example, if you select father, then you will have to enter your father's number and your friend's or relative's number down below. This is for their backup only, so that, if you make a default tomorrow, then they can approach them. By the way, they have already taken many data but you will have to do it. So, after doing all of these, you will have to go to the next page. After that, finally, it will show a preview page to you at last that the loan amount is this much, the EMI is this much, the rate of interest is this much and all. If you still think that the rate of interest is high or if you find anything less or more, then from here also, you can exit. If you find everything okay, then you will have to click on the 'Continue' option down below. And sometimes within 1-2 hours or sometimes, within 3-4 hours, the loan amount gets credited into your bank account. So, this is the complete review about the MoneyView loan application. I hope that you have found this concept informative. If you have found this concept even a bit informative, then kindly like this concept and subscribe to this channel. Let's meet on the next concept. As of now, this is the end of the concept. Thanks for listening and thank you all.

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