Smartphone EMI Trap Market For You !

[@GyanTherapy]

No Cost EMI Actually Good option hai Aur isse aapka 'Cibil Score' bhi Imrove hota hai time se EMI Bharne par lakin Sirf iske lalach me Apne Budget ki Boundary Paar karna hi Trap me fasna kahlayega !

[@hemangthakkar]

Exactly, baki no cost emi pe extra koi charges nahi lagta i guess

[@mdsaifansari4704]

Yhi soch rha tha kuki abhi abhi mne emi pe samsung m14 liya hai purana bht bigad gya tha isliye

[@a2zgamerz344]

Bhai kya abhi poco f5 emi par uthana shi rhega Flipkart se ?

[@Ghost83194]

Where is lallan Don we are missing him

[@Arts11234]

​@@gulshankhanna1687Bhaisahab kisis bhi tarah ki smartphone accessories nahi lena local market/Online market se. Always go for showroom. Main bhi thaga gaya tha Note 4 ki battery mein. Usse saste mejn mujhe Samsung Service Centre ne de di. Waise hi S view Cover online dekha 4k-5k ka S23 ultra ka par samsung ke showroom pe last piece bacha that 2.5k mein di diya usne.

[@Mayurd53]

I still don't understand why a regular guy needs a 1 lakh rupees phone

[@rishijamwal2957]

Isse acha iphone 12-13 lelo 50-53000 mai aajyga dono mai se koi⚡

[@pranavsolanki3500]

80 saal ke liye aaye hai pura maja leke jayenge

[@nxp2619]

Everybody has their own desire It's up to your pocket whether you need to spend that much or not

[@reriboken2992]

There is no need just want

[@bullymaguire210]

​@@pranavsolanki3500ha Bhai 1 time ka khana band karke emi bharna nice experience 😂

[@ChotaBheem999]

All is temporary but "JAI HIND DOSTO" is permanent 😊

[@home.lander519]

Fr fr fr fr fr fr rr

[@Laapubabu]

No Jai hind dosto ky haal h😅

[@KR-DOLLARSIGN]

But your grammar is always temporary 😢

[@ChotaBheem999]

@@KR-DOLLARSIGN mai garib huu..

[@rohitpaljr.179]

6000 mahina sallary he hai bhaiya 😅 ham kya karenge

[@shaileshhacker]

1:04 chalo... aaj EMI ki full form toh pata chali😂

[@aniketprasad3327]

The KZbinr who talks about the tech facts 🔥

[@samarp]

you are the only youtuber that i genuinely trust. You think of your viewers and not for just money like most of the youtubers do. Love you bro!❤

[@JwalakYT]

❤

[@arbazkhan8734]

This is called honest KZbin ❤

[@Golu-de6up]

5:35 मेरा कटता रहेगा🤪

[@chaitanyaharshe8479]

No cost EMI is good for those who can pay the full price of the commodity at the time of purchasing. For others EMI is a trap!!!!!

[@GyanTherapy]

Yupp also ye point maine mention kiya hai

[@freegaming9820]

​@@DinurAsYeah, I can understand that. With no cost EMI we can have some money in hand for emergencies.

[@Kenshi-CS]

​@@DinurAs But paying all the amount at once will not add any taxes extra. But on No Cost Emi, you will have to pay not only the amount set by the Flipkart but also all the taxes. And sometimes taxes increase depending upon the market. So you end up paying more.

[@NewstatePlayer100]

​@@Kenshi-CSyup that's the not advantage of no cost emi

[@UnboxingEra]

​@@GyanTherapyinvest other parts of money in value stock 😂😂

[@dushyantdk2642]

One thing that is never clearly mentioned to the customer is that you don't get reward points for EMI transactions. so, if you have a good card that gives you great reward points, you should see that as a loss too when buying a phone on EMI. Great video as always.

[@nikhillakra553]

They won't give reward points as well as no cost emi .

[@SandeepNayak25]

What I do, I opt for an EMI on my HDFC card and pay the full amount the very next day, so ultimately I get another 3-4K discounts (Interest component) 😊

[@amitmahar7007]

​@@SandeepNayak25go with your card

[@dushyantdk2642]

@@SandeepNayak25 I thought of doing that but somebody said it affects your credit score. can you confirm? also how do you pay full the next day? I didn't find the opiton on HDFC portal. Thanks.

[@souravbarik3261]

​@@SandeepNayak25how bro?

[@supriyasarkar3392]

Thank you for sharing the truth behind No Cost EMIs. Here is a summary I always try to make my friends understand while they plan to buy something in No Cost EMI. Always we need to think "No Cost EMI" as "Extra discount on EMI Purchase" - that will make our understanding better. The "Extra Discount" will give us the illusion of having a "Effective" "No Cost", but the reality is different, as the bank will still charge us the following: 1. Processing fees 2. GST on processing fees 3. Interest (Yes, and this is the same interest which was given as extra upfront discount) 4. GST on said Interest (And this was not included in upfront discount) 5. Foreclose charges if any. 6. *No Reward Points* So we end up bearing some of the cost anyway. Try to get the lowest tenure possible to minimize your costs. And of course, if you don't feel that you cant buy a product in one go, please don't buy in EMIs.

[@nikhilkumardubey2964]

Same is happening with me 😅 thanks for elaborating it.

[@sanchitpahuja1845]

Very well articulated!

[@senaritradutta]

Gst and 199 processing fee r not that much as gst only applicable to interest amount every month but say if u dnt spend the 1 lakh rs upfront u cn gain some interest by keeping the amount in FD or savings

[@supernovaremnants]

Nope, not true.

[@Shikhar17]

I am buying one phone. Can u plz help me? What is 9 months 12 or 6 months of emi options which one is better

[@RohonNag]

Having taken a lot of items on EMI please note : there is a transaction fees per EMI. Usually 199rs. PLUS 18% of that 199. Also the no cost emi amount that is discounted that too has an extra 18% taxes on it. Both these taxes bank collects and pays to the government on your behalf as gst. So donot forget to account for these extra hidden charges as well.

[@VishalKumar-nz2mz]

Yeah no cost is a big fraud , the interest you saves on upfront is more or less gets halved after all these processing fees + GSTs and all and of no use. Most People don't consider it generally untill they fell on the trap , no cost is only good if you're gonna pay full as the discount gets added and it's quite a lot tbh .

[@Soumya_Sagar]

Me studying 5 plus hrs EMI ( electromagnetic induction ) in physics and during rest I am seeing this video and then yahan per bhi EMI ab Mai chala mujhe yahan nhi rahna😅😂😂

[@adityashukla7849]

Bhaiya kaise samjhau apne college ki ladkiyon ko... Naukri nahi confirm ho rahi inki, 14-15K wali internship pe ye iPhone le rahe hain 🙃

[@DivyanshuGarg-bv5ne]

😂😂

[@gauravkamble716]

KZbin is good 👍 But rakesh sir ❤😊 Is the most content full creator in whole tech industry ❤😊

[@GyanTherapy]

Thank You

[@Rutwik94]

@@GyanTherapy sir memechat store pr video banao

[@Mitesh98]

I still think it's not the Bank's or the seller fault for providing No Cost EMI. It's the buyers fault for not being responsible for their financial situation. If someone wants to buy 1 Lakh phone on their salary of 30K then it's not the seller or banks fault for having no cost emi, it's the fault of stupid person who want to buy it.

[@dvsswetan]

Exactly

[@nikhillakra553]

Yes

[@JwalakYT]

Yeah. , Chadar dekh ke pair failane Wale log hai hum 😅

[@shivam2002S]

So true itna 1 lac ki phone ki zarurat hoti nahi actually agar vo koi creater na ho to

[@safedChaadi]

@@shivam2002S creator bhi camera lega , phone sirf dikhave ke liye lete hai log

[@vaibhav24]

"if you cannot buy it twice, you cannot afford it" -Jay Z

[@___aditya_k]

Yaha log ek baar bhi nhi le sakte fir bhi lete hai emi par

[@vaibhav24]

@@___aditya_k real

[@ItzMe.Sandeep]

Bhaiya maine aaj hi redmi note 12pro ( in 18K ) 3 months ke no cost EMI pe liya hai to kya ye sahi decision hai????

[@XYZ06982]

Title mistake- Taking Correct- Talking

[@GyanTherapy]

Edited Thanks

[@altafnaghori6912]

​@@GyanTherapyrakes bhai best camera phone ke liye vivo v29 pro lena kya sahi hoga??? 34k me 12/ 256 milta hai plsss answer dena Love From Gujarat ❤

[@XYZ06982]

@@GyanTherapy Welcome!

[@altafnaghori6912]

Rakes bhai best camera phone ke liye vivo v29 pro lena kya sahi hoga??? 34k me 12/ 256 milta hai plsss answer dena Love From Gujarat ❤

[@nishit6868]

Emi पर लेना आज के टाईम पर सब की मजबूरी है क्युकी खर्चा बहुत होता है एक साथ पैसा देना मुश्किल होता है कोई बुरी बात नही सबको अपना सपना पुरा करने का हक है भाई 👌👍 कम्पनी वाले भी ये बात जानते हैं अच्छी तरह से तभी वो ईएमआई पर चीज देते हैं 😇

[@Mercy789]

Woh expensive phone ke liye hi bol rahe hai. Video dekh ke shayad aap kuchh samjhe nehi. Unhone clearly starting mein bola ki EMI bura nehi per agar aap aukat se jyada costly cheez emi pe lene ki soch rahe ho wohi bewakoofi hai. 20k kamane wale bande Bike, home appliances EMI pe lete hai per woh bura cheez nehi hai. Problem hai dikhawe ke chakkar mein wohi banda agar iPhone 15 pro wagera leta hai ya phir koi bhi expensive cheez.

[@souravbhandari6963]

2 mins silence for those jinki salary hi 20k ke as pas hai and iPhone EMI pe le liye hai 😂

[@49xfprathamjaiswar92]

"Dhere dhere Mera katata rahega" Rakesh sir spitting real life facts😅

[@naveenkumarroy6702]

Jaldi se comment Kar deta hu jisse jyada likes aaye😅

[@arko1692]

Rakesh bhaiya never fails to disappoint us 🙂

[@krishanjeetsingh3800]

Jab jada he faltu paise ho tabhi iPhone lu 😅. Varna maximum saare kaam 20k ke smartphone Mai bhi ache se hojate h. 😅😅

[@dhavaltailor3511]

In 2021 , me n my friend bought mobile phone. I purchased 20k Android phone n he purchased iPhone 13 in around 80k in 18 emi after purchasing phone i started SIP of rps 4000 per month correctly after two years my 20k phone is working well n my SIP portfolio is more than 1 lac. Whereas my friend has iphone 13 with 25000 resale value 😊. Choice is yours.😉

[@sarmawatches]

Your take on refurbished phones?

[@SonyRoy]

In No Cost EMI, firstly, 199 (Processing fee)+35 (GST) = 234/235 total Processing fee. Though, initially the Interest is added as discount, later bank will charge that interest every month at around 14-16% + 18% GST on that interest as well. So, My suggestions to those cardholders, whoever lending his card to any known person to buy a phone or other things on No Cost EMI, please consider those charges and then make the deal with that buying party. Else you'll have to bear those extra interests (which are not even added while showing the EMI amount).

[@sayonkrsadhu6827]

Maturity is when you realised apple is responsible for all this

[@bokinlego]

This is an eye opener for many - including me. Fully justified your name, Gyan Therapy.

[@0sunny_]

Maine to 15k wala phone bhi no cost emi prr liya hoon 😢😢 bss 199 rupees jyada lga hai processing fee

[@whyyounoob]

Sir if you could make a topic on why phone companies make their phone slow after 1-2 years of usage. I am currently using iqoo Z5 5g. It is not as fast as it used to be. Please Highlight this topic and bring the darker side of the phone industries

[@kaifahmed3399]

Camera quality bhi kam ho jati bhai

[@Rage0091]

My z3 works just fine though, maybe try resetting

[@kaushikdamor938]

if you dont update i think performance stays the same

[@kashyapmehta7659]

Unpopular opinion:- Buy a good Android device and never update it other than security patches. I have realme X2, updated 2 times in 3.5 years now battery, camera is below average. My father has realme 7. Never updated in last 3 years. Good battery & camera even with daily more usage than X2.

[@whyyounoob]

@@kashyapmehta7659 what to do now I updated my phone and it was my mistake

[@prabhanshusingh9719]

If we pay around 45k for a phone which is around 60k and then make a emi of15 month around 1k per month . Is it good

[@anandkumarseth8315]

All in all financial discipline is something I see a lot of close friends of mine don't have. Sad state of affairs.

[@kavyakhushlani03]

3Million gang soon lallan don 😂❤️

[@avishekgarai1250]

No cost emi includes a Rs 200 one time processing fee and then 18% gst on the interest that is being paid( even if seller gives the interest amount as an upfront discount, you are still paying the interest to the bank and hence the gst). Even then you should opt for no cost emi provided you have that money or more than that in your bank account. The monthly interest earned on the remaining amount will be more than the processing fee+ gst you're paying, even if the money is lying in your savings account. Additionally, you can fix the installment amount as multiple fixed deposit and earn even more. Sometimes, there's additional discount on opting no cost emi over non-emi which is just a cherry on the top.

[@TrilochanSatapathy]

This is 100% accurate.

[@promaster6999]

I think he didn't put forth his point accurately. He was trying to tell that people often extend their budget just because a costlier phone is available on EMI. Initially they would've planned to buy within their budget. So he's trying to tell people to stick to the budget if a phone they want is already fulfilling their necessities and not extend simply just because it can be easily purchased on EMI

[@avishekgarai1250]

@@promaster6999 I understood what he wanted to say and he's absolutely right about it. However, if one can truly afford a certain product and there is an option for no cost emi then that option should be taken over down payment in most instances.

[@rahulnb.]

Bhai ko 40k-50k salary kam lag rahi hai, 6:00

[@willynotwonka.541]

Simple math is to understand, if you can afford at least half the price upfront from your saving, it's OK to take an EMI for the full price. If not, you're spending more than you should. Great video that highlights this! I feel another reason why people WANT a phone and not NEED a phone is because of unnecessary hype done by most KZbinrs for expensive and top end phones. (Not you, specifically but most)

[@bonfire1527]

​@@infinite-techThat's only in theory. Most of the people don't buy it after thinking that I can afford it twice. Also a normal consumer doesn't spend his money by thinking rationally, he goes by the whims of the excitement like in sale.

[@radhamanohar2307]

Naah. If you are capable of buying a product twice okay then go with that purchase

[@manuTrue]

Under 30k best phone konsa hain ..jiska camera processer acha ho ..long time ke liye

[@Sudhanshukumar999]

Sir you are the only tech youtuber whom I watch❤️. Because you are very honest.

[@adityakhandal9253]

Mere sath bhi yahi hua tha 29.999 OnePlus ka pkone 30.000 ka pad gaya thanks for recommending Love you Bhai ❤️❤️ Thank you ❤

[@krunaldudhwala6814]

Nice concept 👌🏾.. In reality your content is really good gyan therapist...😂

[@prateek._.prakash]

I just bought a laptop on no cost emi and got the discount of 8500 and applied gst of my relative and got 99990 laptop just for 74500😂😂😂

[@soumik231]

U r correct Rakesh. but one thing u should've also mentioned that is the EMI thing isn't bad in fact is very good option if one person is willing to make a purchase only to increase his/her CIBIL Score. A lot of people do follow this trick to increase their C.Score. I did this. But people, keep in mind that I cleared my dues each month on times without any delay. Had I delayed or missed any of the dues, my CIBIL Score would've taken a toll. I'm telling u. Make sure u r confident enough before choosing EMI option.

[@GyanTherapy]

You are right but motive tha video ka jinke pass budget nahi hai But aapka point Cibil wala sahi hai so maine pin comment me mention kar diya hai

[@Kenshi-CS]

It's not bad but it will be a bad deal since you end up paying more than the actual amount.

[@jayantmishraES]

Samsung One UI 🥰🥰💯💯💯💯 is the best ever existed among all UI skins even Apple doesn't offer Excellent features nor OxygenOS neither MIUI

[@sandipghosh4080]

Love your content bro ❤

[@Maverick99651]

Lol I have seen people travelling in rickshaw & holding an iPhone 😂😂 (didn't mean anything to anyone just a reference instead of buying a costly phone buy something that you really need)

[@maniojha4389]

Awesome video Absolutely mind-boggling ❤

[@Manimanitalukdar]

Boult crown watch ka unboxing koro And boult crown vs boat lunar mirage watch ka comparison koro jo jo ea... comparison dekhna chata haa like koro

[@heeralalbind3519]

Bahut hi achchha video bhaiya Thanks a lot mai no cast emi pr phone lene ja Raha tha Bacha liya aapne to mere ko

[@NavrajRajLostSouls]

Pehle BHONK BHONK ke Ye phone le lo, vo le lo, NEW GOOD HAI, BETTER CAMERA HAI etc etc. Abb Insaniyat JAAG GAYI

[@Avg_Wanderer]

no cost emi has hidden charges like processing fee 199+ 18% gst and upfront discount should be payable ex 2000 + 18% gst are divided for the no of months selected. basically u ll be paying an extra like around 500 to 600 depends upon emi for selected term. recently bought OnePlus 11r solar red edition for 45999 currently i am paying extra of 600rs for 6 month emi. i am satisfied with the purchase and as rakesh bhai said choose emi only when u r having stable job. i don't think to spend 1lakh to 2lakh for a phone on emi is waste. 40k smartphone is value for money flagship which last more than 4 to 5 years. even my existing realme xt is working fine for day to day task.

[@GyanTherapy]

Hmm but ye ye extra cost bahut zyada nahi hai No cost EMI par Lakin use hi lena hai jiski earning achhi ho Lalach me nahi aana

[@prashantg1736]

Even I hv real me XT .. working absolutely fine.. kya din the vo 15-20k me badhiya phone mil jata tha 🥺

[@singhrohit2240]

Jarure nahi ki 4 5 saal chale phone kharab ho jaye phone lo max 25k ka baki sip kar do

[@abhishek_beniwal]

@@GyanTherapy This extra cost is mandated by the government. In India a bank can't lend money without incurring an interest. And if a bank is earning interest, then it has levy GST (SGST+CGST or IGST).

[@amiteshbaghel]

Ye Sab Baad Mai Aaya Hai 199 vala uske pehle bhi maine liya hai 1 rupees bhi extra nahi lagata tha sirf amount hi dena padta tha jo tha vo bas or kuch gst

[@Ramyadav1433k]

5:45 Aap ka hi nhi sir hamara bhi kat ta hai 😂

[@RAVIKUMAR-go1jv]

Bahut acha btaya mere bhai ne maza aa gaya

[@joatmon0087]

My salary is 20k. I got a iPhone 15 pro max for 36 month emi. Smart choice 😎

[@mohdkamranmansoori310]

This is the reason I subscribed to you 3 Years ago and watching till now there feels no change, ofcourse except the video quality 😅 Really love these knowledgeable videos❤

[@MOON-Hkr]

Thankfully Maine apne sense lagakar smartphones kharide hain aajtak .. I was never influenced by any KZbinr when it comes to buying gadgets. Bas entertainment ke liye dekhta hun. 😂😂

[@bhaveshparmar323]

I bought a laptop with a no-cost EMI (for the first time) option for 3 months because there was an additional discount on credit card EMIs. The extra charges included a processing fee of 200 Rs and GST on the EMI (Amazon waived off EMI, but you still need to pay GST on it). In total, there were around 1300 Rs in extra charges for a 5000 Rs extra discount on 85000 Rs laptop.

[@GyanTherapy]

Yes aise hi extra charge liya jaata hai

[@aariv134]

​@@GyanTherapyyou have copied content from techpedia why???? I was not expecting this 😭😢

[@GyanTherapy]

@@aariv134Are Dost ye kya baat hui ? Information diya kuki aajkal flipkart notification bhej raha hai aisa EMI kam price ka so idea aaya aur Aaj aadhe se zyada log mere pichle 3 saal ke kai content idea ko repeat karne lage hai like service centre, offline vs Online , s22 ya 23 ko chotu phone name dena , ikall Brand jaise kai Brand ki reality bahar lana aise aur kai example hain Wo GT old viewers jaante hain Aur information ke liye agar koi khud se ya idea leke video to bhi achha hai information ke liye aap sabke thoda samjhdaari se sochiye dost

[@Alokkudas]

Sir ap video banao hm logo dekhenge aur like bhi thokenge...in sb logo ko ignore kari

[@lifeon4legs]

​@@GyanTherapyinformation is information. Copied or not doesn't matter. Jiska reach zyada hai, uska information pehle pauchega.

[@Utkarsh_Baranwal]

Please suggest any smartphone under 12-14k for parents for long term and durable.

[@LifeisgoodSpace25]

Really appreciate you for making such a reality check video..I m one of the resent victim..but again I have save more than 10k for my emi tablet deal.

[@LifeisgoodSpace25]

I m residing out of India..were the item I purchased is 10k higher side in my present stay country..so I purchase from Indian Amazon..also I can pay full cash easily one time but I opted for EMI as it makes my civil banking score strong.

[@sarada634]

No cost EMI is very good... When u r buying a device above 50k then no cost EMI is the best...

[@arpanscreations6954]

Not only the processing charge. Bank charges 18% gst on the interest component also. Lets say you have bought a phone worth 30k on no cost emi. You have to pay 2k as interest. So total you will be paying 199₹+18% = 235₹ as processing charge (this can vary bank2bank) + 2k as interest +18% gst . Total 235+2000+360 = 2595 ₹ For no cost emi, this extra amount will be 235+360 = 595₹ extra.

[@gulzarahmed2321]

A valid point made. The first time this happened to me, I was really surprised.

[@808MELOW]

3rd world country 😂😂

[@freegaming9820]

Yes, they charge a processing fee.

[@RohonNag]

Exactly. But this is not a scam or a fraud. Amazon sends an email clearly breaking down all extra charges. Flipkart doesn't.

[@abdulkhujliwal786]

​@@808MELOWBhikaristan 😂😂😂

[@Akhileshkhajuria]

Trick: Buy on no cost EMI>Get EMI discount>Call bank to cancel EMI. Congratulations you just saved extra 16%

[@detromacghost]

the topic of the video is good,being 26yrs i saw many of my frnds buying iphones on emi,i didn't know how it works by my parents told me not to buy phones on emi being from middle class family so i followed it,i was always against buying phones on emi but now it is clear to me why i shouldn't buy,thank u gyan therapy make such more informative videos

[@NITROGAMINGS]

I've purchased Xiaomi 12 pro on 27th oct n on 30 I've given for service center replacement due to foggy lens issue...now its been 6 days and service center person told me that this phone probably won't be in stock anymore and I'll get voucher worth invoice amount than i can purchase another phone...and customer support told me that there is no that kind of service in the company like giving voucher n all...and we'll provide replacement within 10 days or Max it'll take more 2 days after 10 days now i am confused what to do... already facing problems due to not having my phone as its the only device i was having facing problems at work also...can someone suggest what to do?

[@jagadishbhatta9562]

Ask for a full refund as there are no better phones from Xiaomi at the same price so that you can buy a phone from a different brand.

[@sagardatta2199]

My father always used to buy products using no cost emi...Also he lend money to others at 60% interest rate means per 100₹ he earn 5₹ as a rule in my village...So, every product cost nothing to him in that period 😅..

[@NewstatePlayer100]

😂😂😂

[@Korosensei5891]

60% interest mai konsa chutiya loan leta hai ? 🤨😐

[@Shubham_12344]

@@Korosensei5891 bahot log lete hai bhai.....

[@sangharramesh]

Me iphone 14 lene vala tha emi pe for use and for ios app testing but ye video dekhne ke bad ab me iphone 12 second me ya iphone 11 le lunga

[@vishalbarua1988]

Thats why I always prefer any suggestion from this channel rather than other channel since over the period they have proved their credibility through working towards spreading awareness across the public at large without any interest...so good job sir..❤❤

[@karanmadan1048]

Ek dailogue "Do u know the famous brand mobile cost 1L overall.!" Kya baatein kar raha hai.

[@NowThatsCool]

Thanks you Rakesh for such videos. This will help the new generation to understand and take financial and practical decisions with the right mind. This was not a tech video. This was Gyaan Therapy.❤

[@gaurav2k2ali]

Flipkart has just started a down payment plus emi.

[@arsemo07]

I bought a refrigerator online through No Cost EMI. Through direct payment it would have cost me 22000 (including 1250 card discount). In no cost emi it costed me 22500 approximately (including 1500 card discount on emi). First month one time processing fee plus gst and gst on interest, I was aware of this before buying and I chose it. It shows 15.99% but it's reducing interest so if we calculate interest on principal amount it'd be 8-9%. It's true, during check out it should be mentioned about gst on interest rate for better transparency, only processing fee+gst is mentioned.

[@ashishgamarsort4352]

06 08 2023 10:20 AM abhi puja path 🛕🌺🌅 kar ke ab makai ka roti or baigan 🍆🥔 allu ka subjee kha raha hu ❤️❤️❤️

[@tiwari3006]

I think middle class family never likes, EMI , because he gives unnecessary pressure on mind, overall very informative video, so thanks. 👌

[@100rv__01]

Please make video on headphones under 1000 for calling and online classes 🙏🙏🙏🙏

[@Musafirhoonyaron]

I myself got indulged in this trap last year and spended 420000 on tech products. And currently I'm a student.... I found myself in tears while watching this video... Wish I could have mentor like you at that time who could have guided me at that time.

[@gulzarahmed2321]

What did you buy for 4.2 lakhs bro?

[@VishalKumar-nz2mz]

@@gulzarahmed2321 high end custom pc or smartphones I guess but he's got a job tho ig

[@parasss.__]

​@@gulzarahmed2321Bhai kuch jyada hi spend kar diya itne mai Goan Mai Ghar band deta😂😂

[@gulzarahmed2321]

@@parasss.__ 😂😂😂😂 sahi bola bhai. Maine zero ginti kiye hai 3 baar

[@NewstatePlayer100]

Pc ban waya tha ?

[@prathameshhole8735]

Rakesh bhai didn't tell that he even gets tax benefit if he purchase car on emi 😜 (bcoz he would have registered this youtube stuff as business 🤔)

[@VishalKumar-nz2mz]

Indeed,aisi baatein batayi nahi jaati vmro😗

[@capturesoflife]

5:34 Bro killed it.. Nice Video ❤❤ BTW once I purchased an electronic item worth 30k and on the time of purchase I opted for No Cost EMI but after the purchase I changed my mind and I called the bank regarding the one shot payment of the EMI and they said that I can do that without any pre-closure or any other charges .. I saved around 2.5 - 3k extra (that the merchant has given as No Cost EMI Discount .... Just want to share this fun fact....

[@Innocent_Gamer025]

Hello sir ji help kardo thodisi Wings ke earbuds replacement ke liye diya tha but almost 18 days ho Gaye hai abhi tak koi update nhi mila Please help me 🙏🙏

[@ytuser1985]

Very good video, today’s youth must watch before falling into emi trap. EMI is not bad, but as explained in this video, it can be if you over stretch your spend vs income ratio.

[@shubhkumar1445]

plz make a viedo on most hyped or legendry mid range phone yadeeeeeeeeeeeeeeeeeeeeeee..........2020

[@LifeGeneralist]

Most people buy iPhone we don't need with money we don't have to impress people we don't like

[@LifeGeneralist]

Great video

[@nkvlogs-yk5gm]

Bhaiya maine ek tab kharida motorola g70 LTE. usko unboxing kiya par wo tab on nhi ho raha hai. Kya kru 😢😢😢

[@shawadalhassan4620]

Pehli bat vai agar mere pas pura cash nehi hain ek phone lene ka to main kharidunga hi nehi aur vai mane to ashe bhi log dekhe ki salary 15000rupees hain aur 13 pro max,14 pro max kharid lete hain iss emi pe😅

[@TheGame123]

Bro I'm trying to buy Samsung S20 FE 5g in 2024 should i go for it or not 🧐 price is 20999 ka hai 🧐 offers ke sat 18999 ka mill raha hai

[@ritoshnayak6837]

do not buy samsung s20fe, its a very old phone. yes it will work very well but do you really want to be with a 4 years old phone?

[@lakshay0003]

Sir Samsung tab a series m tablet bta dijiye productive under 30,000 - 35,000

[@rajkarankumawat5911]

Mere mohhle me ik teacher h 28k salary h or s22 ultra le liye unke Ghar me sometimes khane ko nhi rahta financial issues ho jate fir bhi s22 ultra le liye emi pe , just sharing example bhai vo hi kam 25k ka phone bhi kar deta

[@gowreshbabu5532]

Bhai which which mobile phone prices can drop after this 2023🤔 To buy an best price phone In 2024 😅

[@kingfishar1876]

Thankyou sir ❤

[@FlexyKurosaki]

Basically tenage and adults jo hai unko min 10 se 30 ke bich me phone Lena chiye agar parents se le rahe .apne money pe chahe vo iPhone gold hi kyu naa le

[@Sam-bw6rq]

6:22 Irony of the video is, customer k pas phone kharidne k paise nhi hai lekin iphone pehle hi kharid chuka hai

[@saarthakgarg7877]

This video came after 2 30 of Techpideas Video on the same TOPIC

[@happyunboxing6257]

Bhai apke video ki wait hamesha rahti hai kucha nai jankari jarur milti hai bhai thankyou ❤

[@The_AniVolt_786]

Sir please make video about Samsung a13

[@NikhilMali0001]

जय हिंद दोस्तों 5:36 Mera कटता रहेगा😢 😂❤

[@moran6664]

Really true ❤ thanks for Saying

[@legendarykeyboardwarrior8364]

Think 10 times before buying anything that you can't buy twice. For normal user: spend upto 1% income of total phone use period. Heavy user: upto 1.5% if you not going to earn from that mobile like via making youtuve videos etc. Fior earners via mobile: as extra differential income justifies.

[@amitkumar-iq6vk]

Bhaiya please guide me I'm confused in 15 plus or 15 pro.... I have budget for both.... My preference is good battery, good performance and camera too