Salary before time? | Uni Paychek Explained | CA Rachana Ranade

[@CARachanaRanade]

✔️ Invest in Knowledge: link.rachanaranade.com/CourseStore

[@All_rounder-v3t]

I dont want to FALL in debt trap..so simply i avoided..now a days most of the influencers promoting useless apps..we should be very careful..😊😊

[@abhiorkan]

Very true...

[@rafeeqsaudagar1742]

It's just a 🪤 trap

[@saiprayastha7141]

Knife has two sides a good one and a bad one... if you know how to play with money.... then you will enjoy it...

[@imsharathkumar]

​@@saiprayastha7141very true

[@ajuchacko4246]

Debt trap.. careful 😮

[@GhanYt]

After selling a couple homes in 2022, I'm anticipating a housing crisis in order to buy inexpensively. As a backup plan, I've been thinking about purchasing stocks. What recommendations do you have for the best time to buy? On the one hand, I keep reading and seeing trader earnings of over $500k each week. On the other side, I keep hearing that the market is out of control and experiencing a dead cat bounce. Why does this happen?...

[@bahijarhafiri]

The top experts, however, have access to confidential information and data that is not made available to the broader public. Being knowledgeable enough to use them successfully is quite another. Big returns, not changing stochastics, are the key. Rewards and risks must be balanced. To reach your aim, pick the right size and turn your edge as often as necessary.

[@bahijarhafiri]

I require suggestions on how to restore my portfolio and create more effective strategies in light of the huge declines. Where can I locate this instructor?

[@vaishnavibagayatkar4113]

Uni was launched as a pay 1/3rd card. Due to RBI guidelines they couldn’t continue the same. Understandable! Later they came up with credit card, but rather than fastening up the process of launching it, they started these other products and prompting people to go for it. With this delay in key product and prompting other products they are getting on people’s nerves and surely lose good customers

[@bpm74]

I agree, Financial Influencers promoting debt accumulation .. I used to follow her videos earlier.... but of late less education more promotion.... the CA part is taking over

[@raghav225]

They call themselves as educators of financial planning and then promote products which are debt trap. This unipaychek is in no way anything remotely related to smart financial planning.

[@redditreadit2211]

exactly!

[@redditreadit2211]

For money everything can be sold, even your integrity.

[@BaTiAj]

Ma'am Why are you endorsing such credit schemes rather than highlighting emphasis on efficient budgeting and investing. Not expected of a credible financial expert like you ma'am. Kindly do not indulge in promoting such credit services leading to financial distress 🙏

[@trickyabb]

Yeah, she is getting her cheque and money to promote such loan shark scam

[@rohitsoni9325]

Bhai jab ek video ke 10-15L mil rha ho sponsors se to credibility upar neeche ho hi jaati; Sad Truth

[@dhanrajgaikwad445]

Paisa milta hai bro

[@santanusaha9256]

She is blindly saleing products nothing else sebi should stop this thing, 😢, I khow this comment will be deleted any time

[@subirnaikblog4308]

Save atleast 6 month fund Stay away from debt Well researched before investment share your experiences Do not share your bank details Spend time with your family Learn new techniques everyday Atleast 1hour regular exercise Do not compare yourself with anybody

[@ashanjaliprabhakar]

U r valued person rachana, please avoid such promotional stuffs.

[@vj.thondamanallur]

Spend next month salary now..... Next month you run out of money even earlier. Credit card gives ~30 days flexibility. Keep a card for emergency use - not regular use.

[@fuzzyfuzzy8105]

Thankyou

[@kumarsint2]

Mam please Stop promoting these Bulshit Apps just for little portion of their profit, which will eventually lead many youngsters into debt trap. We trust and love you Mam, Please STOP it 🙏🙏

[@saimuraligandham881]

Yes

[@digitalguy7111]

YOU CAN'T EXPECT LOYALTY FROM PEOPLE WHO WOULD DO ANYTHING FOR MONEY.

[@jobanmathew3081]

Kindly avoid like this type of videos , ur were adding value hope u will continue to do so

[@amrendraoraon]

You have learnt to act as well. Nice!👍🏿

[@pawansmy1844]

This lady is misleading us by saying an additional source of income or additional salary I doubt the people when they add the referral link in the description

[@rohitsoni9325]

Not good for anyone! Read this... For smart investors: Max they can get is 1L, suppose they keep it in high interest savings bank account which gives us 4% interest. Max they can earn is Rs. 1700 in a year pretax. Post tax ~1200 (1L kept for 13 days per month for 12 months) Why to take so much tension for 1200rs in a year. For spenders: It's like a pay day loan which is very prevalent in US, its a very dangerous loan and traps you in loan cycle. See videos of Dave Ramsey and you'll see how many US citizens are suffering because of this.

[@surajitndayahoocoin]

Its an intetest free loan for a fixed period based on a payment of subscription. Its not additional salary. Salary is not repaid loan is.

[@AHVR85]

I like your previous learning videos but now a days most of your free videos are regarding some promotion explained as a learning videos.

[@naeemagbani920]

This is a good option in case of emergency. Be sure to repay it on time.. Why wait for 15 days. Pay it on the 11th or 12th day..

[@trickyabb]

This is because an average Indian is underpaid and over worked so he has to resort to gimmicks. A decent salaried person should first fullfill his hand to mouth needs and then with a disposable saving start investing till he doesn't have much responsibilities. And grow his wealth.

[@soumsgaming238]

Well said

[@snigdhakondati9349]

Lot of followers respect you for your financial acumen. Please do not make such misleading videos, promoting spiralling credit debts as income. Just place them as ads in your videos

[@mobitrix9148]

Wow!!! What an advertisement. We reject Credit Card call from banks yet watching you sell Uni in youtube. Oh the irony....

[@saswatab79]

This is another way to make people take loan and spend more. If I spend wisely and plan your finances well I will never need this 15 days credit line. Anyways I always have bank overdraft which is more than sufficient for unforeseen expenses and money requirement at end of month.

[@fuzzyfuzzy8105]

Thankyou dear, it's new info for me

[@priyamroy2032]

I have unsubscribed this channel the day she started supporting adani long back😂😂😂. Just came to see what's going on in this channel and I don't regret the decision. People like Ankur and Rachana doesn't have good content these days. I think they are currently going through writer's block.

[@CAKevalMota]

Clickbait thumbnail in name of additional salary. Thumbnail and video expected from you was "Avoid debt trap by avoiding additional loan"

[@1979arijitpaul]

It is more destructive than Credit card. People should avoid it.

[@ankitagarwal405]

Sponsered by UNI ?

[@subhampaul5762]

Fake account. Dont respond.

[@prathameshbirajdar8778]

Why promote such scams?

[@tsnpr08]

Thanks madam for this video, but you know what money has a will of its own. It wants to change hands. And is very influential. It changes the mindset of a man just like that. Its very risky in my opinion to carry somebody elses property with yourself.

[@superlyx903]

Remember vo paise vaapis Dene hote hai

[@talashganvir4144]

Why not directly tell subscription charges?

[@sandeepshete8866]

Financial disciplined person doesn't need such paycheck ( debt trap)

[@nikilmaggavi6261]

This is a promotional video and not an informational one. You mentioned about small % interest but didn't go a live demo about it. You also didn't mention about charge on late payment. Kindly avoid such promotions. You never know when they will start scamming people.

[@kartik-agarwal]

I think it's time to unsubscribe

[@samirkavade7855]

Already lots of articles on Google with screenshots of WhatsApp how uni paycheck is looting with hidden charges. Worst part is these charges are declared once you avail the product and not before signing the e agreement. RBI needs to step in and stop such shady practices. I mean how could a company ask to sign and submit your product application before declaring terms conditions and charges. All charges on financial products need to be declared publicly so borrowers are aware what they are supposed to pay.

[@csriram76]

If you do not follow the discipline of returing within 15 days you are getting in to a new trap. But if you are a disciplined person and know to manage expenses in a more discipline manner with your salary you don't need this at all. Emergency situations like medical is not considered while posting this comment beuase it is a exception.

[@bodhisatwasaha9122]

Not expected this type of promotion from you ma'am

[@shashanksrivastava9145]

Disappointed to see how you introduced this ‘personal loan’ product as a ‘extra salary’ in the thumbnail and start of the video. This is a typical example of misleading and mis-selling loan products to naive audience who blindly trust your advice. People can burn their hands by enrolling into a long term credit line like this one, thinking its an on demand free cash. If you are promoting a ‘personal loan’ then please call it a personal loan.

[@a_myth_sin]

If you don't have money to host your relatives, stop attending their phones.

[@soumsgaming238]

Also in social media

[@channakeshavab]

Or offer whtever u have, be authentic. taking debt and showing off to impress whom ? being simple in life is the only way to achieve financial freedom.

[@soumsgaming238]

@@channakeshavab Absolutely

[@alljobnotification2313]

well explained 🎉

[@pritamkadam1145]

This additional salary effect on income tax

[@Vishnu12227]

They have increased the subscription fee to 2999

[@Dreamer_247]

Everyone here is smart enough to smell the Trap... 😂

[@nsvenkatachalaiyengar4940]

Madam, Before releasing video please check sound level. Please make it MAXIMUM.

[@shail4207]

If u r good investor then in mind u should able to read RR. One JantaRR where she really wants others to learn & other is CARR where she wants to do business.. Nothing wrong as she also needs to run her office & family. Pick wht really matters to u & wht to leave 🤔🙂

[@Bnrar55]

Blindly promoting products n scams

[@shashankmithagri4120]

Who will tell subscription charges? 😂

[@adityapanoriya3552]

You didn't mentioned Any persentage or charge amount

[@sandeepgs6852]

Video created to put Aam Aadmi into a debt trap by which the RR and team can generate some revenue and have the last laugh. RR has also cleverly omitted the monthly subscription part and the subscription amount, convience fees and GST which needs to be paid by the subscriber. Further the penalty interest has also been convinently omitted. Please do not promote this type of products. Else Karma will hit so bad that it will be difficult to understand what got hit 😂.

[@pranayturankar09]

Mam maine aaj hi zerodha me naya account open kiya hai. Lekin zerodha ne merese account opening fees nahi li hai. isaka karan kya ho sakta hai. please reply me.

[@laxminarasimhasrinivas]

Stop promotion financial trap apps mam

[@simar2155]

Plz avoid making such videos.. U look to be a genuine person.

[@sharathbaligar237]

This is actually a good app. Are there any more apps like this

[@AnamEjaz]

very well explained

[@ManojKumarDesai]

Such a misleading thumbnail 😅 as you said, if we dont watch full video, we wont know that it is a form of loan and not a source of additional income.

[@nagarjunab.n3571]

Late payment charges are far too high than credit cards, also it has carry forward charges. By chance if you forget or make late payment then it will eat your money.

[@pratikagarwal1902]

Don't fall in this type of debt trap. content quality of this channel is dropped drastically in the last 1 year. Promoting this type of trap, can led many folk in huge debt. You should be promoting others to avoid this unnecessary burdens. Shame on you guys.

[@kishorekb30]

Yes this is a ridiculous promotion, people should never use this and actually this is not an additional salary.. just promotion to borrow money which is not actually owned

[@satyamsubramaniam6909]

15 days help once is okay without subscription or deposit. Big No to uni pay check. Should alot who has good credit score and interest free and no deposit or subscription.

[@AnkitOutOfOffice]

I'm slowly lossing respect for this woman because of her selection of product to promote !

[@preranpjm1]

Why don't you mention this content is promoted? Disgusting to see so called Finfluencers giving wrong guidance

[@SipakJena-z7e]

This is disaster ,, Those who can not manage , salary how can they manage type of loan every month

[@praveenapattnaik2157]

Quite informative. Thanks!

[@gowrishankarc8612]

Pls Stop like this promoting the app.. lot of people will lock to replay the amount..

[@jagrut10]

Can you please have some vedio for peer to peer landing apps ? Like mobikwik, cred, 12%

[@ConceptCanvas]

In thumbnail it is mentioned "want an additional salary?" In the video you are talking about credit. There is a big difference in additional salary and credit. As a financial influencer you have too much of responsibility but these days your most of the contents are promotional. Doing promotion is not bad but it should be in limits. I have started watching your channel 3-4 years back, and really loved your content. But nowadays I fear clicking your videos. I request you to not promote any such products if you would not ever use it. I am expecting much more responsable content from you.

[@vineetsarraf534]

Mam, uni pay check se recv money kya tax slab me aata h

[@anildhanawade9896]

I think बिचारे need a salary hike instead of card 😂

[@deepaksjadhav1]

Hi, Will this act tax since it will be treated as salary or amount deposited in salary account?

[@DesiCarnival]

First You have to clear it's not Salary it's Loan like Credit cards, so please don't spread loan schemes of useless apps for get just chillers

[@samirkavade7855]

Am really surprised that a qualified CA youtuber is promoting the product with zero interest. Please check genuine reviews at Google and don't fall for the trap. There are hidden charges which are not mentioned anywhere. The worst part is that terms conditions are visible once your application is done for getting money. This company follows such shady practices. Better stay away. A personal loan on your credit card is much cheaper than this. You have to pay convenience fees which are declared after the loan is disbursed. I have been a subscriber of this channel for a long time but these promotional shorts with limited facts are misleading and the CA fraternity should take care morally before promoting such products with hidden charges.

[@amarnathnookaraju875]

After transferring money to account will they charge any fees for the transferred amount

[@swattikaivigilance]

Shameful to see popular youtubers suggesting debt-traps & financially harmful products to their followers who are the primary reason they earn from this platform. It shows they care little about their subscribers and are easily ready to mislead them for personal gains.

[@varadshastri682]

Not a good advice Mam.. I can understand they provide sponsership but please be responsible while suggesting such debt trap products.

[@pavankumar-zf9vg]

Will this amount which is credited into savings account considered as income to be taxes?

[@soumsgaming238]

Repayment time??

[@loksapps5455]

Mam kindly share link for mobile stand you are using in video

[@balarajyam5647]

How does Uni run their business and what is their source of funds

[@samirkavade7855]

You will be surprised to know that the source of funds for uni in major is retail customers like us. Just see the list of lending partners on their site. One of them is lendbox a P2P lending platform where retailers / small investors like us out money as a lender for getting 8 the 12% return and this money is routed here to provide credit. See the debt trap. We invest money as a lender in the p2p platform and take credit from uni. Practically we are lending money to ourselves and paying interest to others. 😂 For those who invest in p2p and later take such short term loans to fulfill cash requirements.

[@vpavangips]

I think every month amount is credited one extra loan account is created please check once...

[@raghu_vamsi]

Is 50K maximum amount that can be available through paycheck?

[@Swatabhau_youtube]

Rachana Mam : How to manage your money so you don't need to worry at the month end Also Rachana Mam : Wish I could have extra salary 😅

[@basavarajfakirapur816]

U should have mentioned loan without internet not paycheck.. Paycheck once received can't be repaid. Don't miss guide innocent people who has beliefs in you.

[@cricketbeats5495]

"Income", "another salary", "interest free" .... this lady use all these buzz words to promote a app. Live with what you have ...don't live life with credit or loan.

[@rakeshmithra6199]

How it will become additional salary 😅

[@adithyabhandari1986]

Sir, please make video regarding newly introduced midcap nifty expiry.

[@sethu5782]

Tks for providing very imp.infn.👍🙏

[@CARachanaRanade]

Thank you

[@SibadattaNayakKING]

Hence proved that paise ke agge saab jhukte he bas jhukane wale promotion chahiye

[@ramangarg9990]

What an abusrud video and product,,this channel turning into completely sponsored & scam recommendations

[@DK14678]

Wasn’t this video was sponsored by UNI

[@NikhilChhatrapatiPatil]

In my location which is near to Mumbai, there service is not available.

[@shrij458]

What is interest and penalty if doesn't pay in time Or what is the deadline these points has missed hence cldnt able to share with anyone

[@chinmaybapat289]

Please please Rachana Mam !!!! Avoid earning money from such financial institutions... They made you sell their fraudulent product at the cost of your credibility.

[@PranavBhatChannel]

now no use of this video please delete this video as in future it will increase consequences ... or misleading .... UNI is discontinuing this Paycheck service (Unfortunate)

[@bhavi3190]

Hello ma'am Ek video hyavar pan banava..ek women la baby zaal ki career thambte Mg ase astana financial independancy Kashi aanaychi?? Gharche boltat mg baalala kon sambhalnar? Job la gel tar..pls hyavar pan ek video banava na

[@dini_gouriyan_official5579]

Bhai mere se 2999 anual fees le li bill generate m dikhate h or paise Lene se pehle kahin nhi btate ki hum apse 2999 annual fees lenge bill generate hone ke baad apko pta chalegaa fraud kr rahi hai yeh company Meri aap sbse request Hain koi uni paycheck se paise mat lo or due date btate 7 lakin bill generate hota hai jab due date aati Hain 5 or agar Aap 5 taarikh ko payment nhi kar paaye toh apka late payment charge lagegaa agar company ne apko 10 se 15 hazaar ke pass paise diye h Toh late payment charges lagenge 1770 rupye or 15 se 20 hazar ke beech paise diye hain Toh late payment charges lagenge 2350 somthing Meri aap sabse kindly request Hain Issey bacho aap sab yeh meetha zaharrrr Hain Fraud karte Hain yeh payment Dene se phle Aisa kuchh nahi batate payment Lene ke baad bill generate hota Hain jab pta chalta hain hamein

[@namratasharma199]

Maam i wanna start investing in stock market but I am a minor and every brokerage app is asking for pan information

[@namratasharma199]

I checked many videos about this but can't find a satisfactory answer

[@ashishtanwar9748]

Wrong, wasting so much time just to get profit of 1k 😕

[@Nk-qs2qe]

Within what much duration are we supposed to pay dues

[@ElumalaiSenthil-l2j]

missed to say the yearly charges

[@anandagrawal1440]

Does it affect my income tax?

[@robinkela8542]

Any other similar app?

[@venkyiyer7443]

This video is a classic example of all that is wrong about the financial influencer community and Rachana Ranade is flag bearer of this mess...just promoting any financial platform and landing gullible investors into a trap....absolute lack of credibility