BNPL- Buy Now Pay Later : सुविधा या जाल? / BNPL: good facility or a trap?

[@rahulsoni-vo3ld]

धन्यवाद दीदी। सभी कंपनियां "ऋणम कृत्वा, घृतम पित्वा" के सिद्धान्त पर काम कर रही हैं

[@schn120311]

Much needed video. Most of the financial apps are pushing this feature very hard.

[@khurramkhayal7988]

Aaj maine aapki baat sun k 3 bahu raniyan dekha is film me bahut hi seekhne ki baaten hain shukriya aapka

[@surindergupta]

बहुत ग्यान वर्धक वीडियो।

[@neeleshjain3175]

BNPL के बारे आपने अच्छे से सी धन्यवाद🙏🏻🙏🏻

[@kailashchandrapandey3053]

Mam चारवाक् दर्शन का आगमन है लेकिन ये service provider china की तरह debt trap मे फंसा लेंगे

[@anilshenoy5859]

Warren Buffett famous quote. If you buy things which you do not need, soon you will have to sell things you need. Slight modification is " If you buy things which you cannot afford, soon you will have to sell things which you need".

[@CeeBeeThakur]

Yup definately someone might fall in debt trap but if it is used smartly then its handy, convenient & provide 5-10% cashback. I am using Amazon pay later and loving it. Earlier I was also against such credit line so I have never applied for credit card but after using Amazon pay later I funds it useful. Only thing is it should be used smartly and not unnecessarily.

[@BWealthy]

Thank you for watching the video and sharing your experience. Stay Blessed, Healthy and B Wealthy.

[@panwardeepak79]

गंगाधर ही शक्तिमान है-बीएनपीएल कर्ज का ही एक वेरिएंट है😶😶🤔🤔🤔🤔🤔,क्रेडिट कार्ड मेरे पास भी नहीं स्वाति जी😎😎💪💪,नो कर्ज😄😄😄,nicee वीडियो 🙂🙂👌🏻👌🏻🇮🇳🇮🇳🇮🇳🙏

[@ashokgarg7017]

Swati ji, Very very good nd useful video for youngsters for taking care of uses of cr Card or BNPL facilities. Nice. Thanks.

[@AbhishekRoy-no7br]

People who manages their money really well, can use these BNPL cards intelligently as well

[@BWealthy]

To a certain extent you are right, but again, if you can manage your money well, why would you need BNPL?

[@AbhishekRoy-no7br]

@@BWealthy what I meant is, in case of certain high expenses rather than using credit cards which will be billed once at a time, can split their bills in 3 parts with Uni or Slice cards..

[@AnilSharma-ry7hc]

Spreading always valuable information to save us.

[@Ambrishwagh1980]

Super video Swati 👍👌 dhanyawad ❤️ From Mumbai 🙏

[@varunparikh1780]

Swatiji, Congratulations for 4.68 lakh subscribers. Stay B Healthy forever.

[@karanpuri4298]

Offcourse, its a trap. Valuable informatoin Madam

[@shraddhabora1056]

It is very good eye opener and wonderful information. Thanks Mam for good analytics. For youth it is really the thing to be thought over.

[@drjagdishjain1279]

Mam all your videos are really useful & very educative you are doing a great service I appreciate your efforts &good intentions

[@BWealthy]

Thank you for the kind words Dr Jagdish. Stay Blessed, Healthy and B wealthy

[@biswanathchattopadhyay4631]

Very helpful information as always u are doing. It is a clear gamble.God bless u

[@roopkumarborudkar7136]

Eye opener video.

[@surekhanabar2587]

Ur advise is excellent Madam,thanks.

[@mainakchakraborty5894]

Swati mam It is a very good video, my point is teenage should learn about finance, and they should not take bnpl. PS. I use credit card for cashback for 30%.

[@BWealthy]

Mainak Jee, shukriya for watching the video. I totally agree with your comment. Stay Blessed, Healthy and B Wealthy.

[@deepakamin2179]

Nice & eye opening video madam👌

[@parthachattopadhyay]

Good suggestion Thanks

[@AmitRoy-bf3ep]

Good one. Thanks for your continuous effort to help the society. Request to make videos on financial literacy regularly.

[@sanjibkumarmishra5364]

I have applied in Zest money, I do have three credit cards, just wanted to take the benefit from one of the travel site. Interestingly they have rejected my application and was unable to answer why rejected? It's clear, if u have enough money to repay, they will not open ur account also. So very clear intention to put u in debt trap.

[@BWealthy]

Interesting! Thank you for watching the video and sharing your experience Sanjib jee. Stay Blessed, Healthy and B Wealthy

[@shantanusapru]

BNPL loans are similar to the Payday Loans in the USA, with the same 'advantages' and same predatory tactics, inflationary interest rates & repo tactics...

[@BWealthy]

Thank you for watching the video and sharing your views Shantanu Jee. Stay Blessed, Healthy and B Wealthy

[@shantanusapru]

@@BWealthy Thank you! I like your channel! You give very balanced, sensible & practical advice, and not just going by the latest trend/fad...and have a focus on investor safety. Kudos on building one of the best Indian finance-related channels on YT! Take care! And you too stay healthy & blessed!

[@omprakashpaliwal2532]

Thanks

[@hnx1079]

Great Inputs as usual

[@ravikumar20062002]

आप आज खूबसूरत दिख रही है और उससे कँही ज्यादा आपकी टॉपिक. लेकिन राइटिंग स्टिल्स जल्दी जल्दी निकल रहे है जिसे पूरे तरह से पड़ने नही बन पड़ता है

[@BWealthy]

बहुत शुक्रिया रवि जी। आप विडियो pause कर के पढ़ सकते हैं । Stay Blessed, Healthy and B Wealthy

[@masudahemadkazi7065]

Very nice information...

[@debasishnayak9266]

But it will impact your CIBIL score...by adding one more loan history. Be cautious!!!

[@minakshikar621]

Cibil score doesn't get affected by number of loans. There are number of factors which is responsible for score

[@kanubhaijogadiya6138]

Thank you madam.🙏

[@manoranjanmahapatra5451]

Thank you ma'am

[@JarvisInvest]

Insightful but there are more cons than pros for BNPL: - May tempt you to splurge or make impulse purchases. - Missing a payment or not having sufficient funds in your account could trigger fees and penalties. You may also have to pay interest for the rest of the payment period. - Can harm your credit score because on-time payments aren't reported to the credit bureaus but missed payments and defaults are reported. - Can be hard to receive a refund if the product didn't arrive or was defective since you have to work with both the retailer and the BNPL service. - Interest rates are high and can be higher than credit card interest rates. - BNPL services lack the oversight that credit cards and other types of loans have. If you are still planning on using a BNPL service, take the time to read the FAQs, terms, conditions, and fine print. Hope this helps!

[@rameshchudasama314]

Very good👍

[@Daya.Shankar.Kushwah]

good swati

[@Push1234]

Too good mam जी🙏

[@R.K_Sharma4649]

Right information mam 👍❤️

[@मनीष_सिसोदिया]

Mam, Stock market me PSU units k ,high dividend Wale share k video bnaiye n, plzz ....ham students ko kaafi help hoga investment k liye ...

[@hiteshnagar7847]

Mem me tax payer nahin hun Muje term plans lena to me kya do lag lag company se 50lac 50lac ke term plans le sakta hu kya? Kyu ki 1 carod ka term plans ke liye 5lac income ka hona jaruri h trusted companiyon mein

[@studywithvibhu5013]

Ma'am, mai aapke videos ki starting Intro tune bahut pasand hai, Vo aapne kaise banaya hai? Mujhe bhi aise banana hai Intro tune, please mujhe bhi suggest kariye

[@avnishjha2918]

👍

[@rohitaswalvlogs420]

Thanks 💞

[@nagarajubandi3131]

Thank you🙏🙏 very much madam. Please tell the performance of motilal oswal nifty bank index fund since launch. How the return s this motilal oswal nifty bank index fund given madam this fund invest s in banking stocks is this good for long term investment

[@yogeshmetaliya5287]

Pricotion is better than quar...

[@shrikantshete3550]

Hi, please mention the name of the book...that you suggested to read for planning retirement.

[@munnaansari4571]

BNPL ka use apne income ke hisab se karna cahiye,,agar limit 50 hajar hai income 20 hai to apne income se kam ka use karna chahiye jyada karne se fas jate hai log,,aur mere liye achha hai,,kisi se 5hajar mango 10 din ke liye to na mile to pata chalta hai,,thodi si amount dekar problem solve ho jata hai,,bas hisab se chalna chahiye.paytm post paid user 3 sal se.

[@saketsuhane3510]

Mam mere paas 2 fund h 1st AXIS BLUECHIP and 2nd AXIS MIDCAP or me 20-25 saal ke liye sip investment karna chahta hu, kya me in dono fund ke sath ja sakta hu, ya fir mujhe kuch change karne ki jaroorat hai

[@Dpggc23369]

BNPL यानि सुविधा किसके लिए ? आपके लिए या देने वाले के लिए।

[@artoftreding]

Namskar ji 🙏🙏🙏🙏 aap bohot achhe subject par video banate ho ji Please aapse vinti hai ki aap stock par bhi video banaye konse konse stock me long time par investment kar sakte hai

[@ananddhamecha9710]

superb 😊

[@syedshadabmysabubakar621]

True

[@karshyamal1969]

👌👌👌👌👌

[@maheshbamane9767]

Hello Ma'am, I am 25 and invested 60k lumpsum in (Tata Digital Tech fund), speculating bright future of IT, but now I am worried as day to day the index is drowning down, what should I do, please advise. 🙏

[@007_Sun_Tzu]

Relax man....IT is not closing...just you caught the wave when it started waning...if is long term investment...then keep adding and you will get good returns

[@rohanshinde4327]

You should've spread your investment over at least a year. Now keep adding as market falls. Also, avoid sectoral funds, invest in diversified funds like flexi cap. I personally prefer only index funds.

[@maheshbamane9767]

@@rohanshinde4327 any flexi cap fund you prefer to invest in.

[@5BEERSINGH]

🙏.👌right

[@topx1674]

So i need extra 4-5 thousand at end of month or emergency money i am student cant get credit card , using slice its working fine for me . Just pay bill on time 👍🏻

[@sureshhirpara8941]

🙏👌

[@kuldeepsinghchauhan5957]

First viewer.

[@yogeshmetaliya5287]

Swatiji logo ko samaj me na aaye asi co.ki bate se shambhal ke rahne chahiye.....

[@rohanchetry1]

Maine ye galti se order kar Diya aab kya karna hai iska?? Koi help karo😢

[@sangamp6292]

Avail discounts , Use Wisely and leave service

[@sandhyaverma1484]

Mujhe ghar karch ke leyt swp sahi hoga kya

[@navneetprakash1298]

Paytm Postpaid looted Rs 500 from me. Then I closed 🔒 postpaid service of all that includes Flipkart Pay Later, Ola Money Postpaid, Paytm Postpaid and all.

[@bhaskarmukherjee7518]

Sahukars are back.

[@ravinder380]

Paytm is charging convenience fee about 2%

[@sandhyaverma1484]

Mumsom kaha karu

[@youtubefun3438]

Koi fayada nahi in card ka Inhe tabhi use Karo jab bahut bahut jayada jarurat ho better hai jitna aapke paas hai usi se shopping karo

[@ajitroy7672]

I know that I have to pay later so why not income first pay later...sleep will be good

[@sandhyaverma1484]

Ma'am please bataye Mujhe SWP karney ke leye investment karna hai One year ke baad wedrowel karna hai

[@rohanshinde4327]

Aditya Birla floating rate fund.

[@SportsUpdates365]

Mam mai to credit card bhe use nhi karta...... jitna hai utna he kharcha karna chahiye wo bhe bachat nikalne k baad 😇

[@BWealthy]

Phir toh aap aur hum ek jaisa sochte hain Amit Jee. Stay Blessed, Healthy and B Wealthy

[@007_Sun_Tzu]

Har credit card wala jeb me jo paise nahi wo kharch kar raha h...ye assumption galat h...mai apne need n wants se pehle save karta hu har month ..kabhi 40% se upar credit card limit k upar nahi jata....i enjoy great benefits...6 saal se credit card user 🙏 never late in payment ever

[@SportsUpdates365]

Good for you, enjoy the benefits. 👍🏼

[@dadakedarnath6878]

🙏Didi iifl BNPL stocks kardeto tike

[@rajmaderna5407]

Mam maine kabi apply nahi kiya lekin aaj bnpl ka kuch article send hone ka sms aaya h meri toh kuch samaj nahi aa raha kya h ye

[@SAURABHatYT]

Aaj mujhe bhi SMS recieve huaa hai Kya aap ab bataa sakte hai ki jo aap ko mila kya tha vo

[@SunilSingh-kp2xj]

Bhai mere paas bhi aaya hai mene to koi apply nahi Kiya Fir bi speed post k treking number ka msg aaya hai

[@neerajgurjar2069]

Hello Bhai mere pass bhi aaya hai kya kere iska ​@@SunilSingh-kp2xj

[@neerajgurjar2069]

​@@SunilSingh-kp2xj bhai pls mujhe bataiye mere pass bhi message aaya hai

[@neerajgurjar2069]

​@@SAURABHatYTpls bhai mujhe bataye ye message mere pass aaya hai

[@muneshbabukashyap416]

Medam मैं भी फंस गया हूं । मुझसे पहले 5700 प्रोसेसिंग फीस ली फिर 30150 रुपए सर्विस टैक्स लिया फिर बीमा के नाम पर 28275 रुपए लिए अब मैडम वो जीएसटी के नामपर 53000 रुपए मांग रहे है । जो मेरे पास नहीं है अब मैं क्या करू , कृपया मार्ग दर्शन करे मैं नहीं लेना चाहता हूं लोन मुझे फ्रॉड लग रहा है । नाम बजाज Finserve Ltd के नाम की फर्म है ।

[@BWealthy]

Aap Humein apna contact number email karein - [e-mail] par. Aapse baat karke ye masla samajhne ki zaroorat hai. Stay Blessed, Healthy and B Wealthy

[@sandeshsingh6026]

Mam mere ghar pe ishka kit aya hai

[@neerajgurjar2069]

Hello Bhai

[@ANILKUMAR-yc9bs]

नही postal bnpl मे आप जो कह रहे वह आपके कहने से अलग है

[@SunShine-ge3yj]

Bnpl is like langar (credit langar). This line is apt 😄

[@Revanced23]

Credit card is dangerous never buy this Buy now pay later is good

[@ramjiyawano7529]

Ye Sirf jaal hai sabko fasane ka

[@harshkirti6840]

buy now pain later😁

[@sandhyaverma1484]

Payse mujhe husband ke death ke baad mela hai

[@ksawale3250]

After pay in Australia was sold to Square for $39 billion dollars..only promoters have made money. Last half year company has made $350 mill losses. After defaults have gone up. It’s BUY NOW PRAY LATER’ for these BNPL companies. Do not buy any shares of listed on BSE..

[@ProudlyINDIAN360]

Unipay band karva du

[@sandeep6883]

If anyone ever asks me about BNPL, I ask them to stay away. I fear this is promoting a very bad money practice and can ruin the present generation.

[@BWealthy]

Thank you for watching the video Sandeep Jee. Stay Blessed, Healthy and B Wealthy

[@ajitroy7672]

Thanku,like taking steroids every day