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
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
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 🙏
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
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.
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 🙏🙏
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.
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.
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
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
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.
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.
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.
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.
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.
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 😂.
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.
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.
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.
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
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.
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.
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.
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 🤔🙂
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.
"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.
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.
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.
Rachana please don't encourage people to get into debt. Debt is like any other trap, easy enough to get into, but hard enough to get out of. Highly disappointed with your video. Pls don't promote these kind of apps for money
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.
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
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.
Please please Rachana Mam !!!! Avoid earning money from such financial institutions... They made you sell their fraudulent product at the cost of your credibility.
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
Everyone is talking about gold investment. What about silver mam can it good investment option?? It would be great . U can explain in marathi n in English both
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.
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
I guess this is the start of your downfall mam. You used to be a great financial teacher but now its all about promotional videos in disguise of learning. Hope you will go back to your previous form.
