Salary before time? | Uni Paychek Explained | CA Rachana Ranade
HTML-код
- Опубликовано: 1 июл 2024
- Not having enough money towards the end of the month is an issue faced by many households. Uni has come up with an innovative solution to tackle the issue in the form of Uni Paychek. In this video, we will discuss the pros and cons of the Uni Paychek.
Get Paychek here: app.uni.club/yuBA/6u663rpr
Still curious? Know more about the product here - paychek.uni.club/?...
----------------------------------------------------------------------------------------------------------------
✔️ Invest in Knowledge: social.rachanaranade.com/Courses
✔️ All Social Media Handles: linktr.ee/RachanaRanade
----------------------------------------------------------------------------------------------------------------
What is covered?
00:00 - Start
00:16 - Introduction
01:07 - Basics about Uni Paychek
02:00 - How you can get an additional Salary with Uni Paychek
02:34 - Pros and Cons of Uni Paychek
06:07 - Closing thoughts
#rachanaranade #sharemarket #personalfinance
✔️ Invest in Knowledge: link.rachanaranade.com/CourseStore
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..😊😊
Very true...
It's just a 🪤 trap
Knife has two sides a good one and a bad one... if you know how to play with money.... then you will enjoy it...
@@saiprayastha7141very true
Debt trap.. careful 😮
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 🙏
Yeah, she is getting her cheque and money to promote such loan shark scam
Bhai jab ek video ke 10-15L mil rha ho sponsors se to credibility upar neeche ho hi jaati; Sad Truth
Paisa milta hai bro
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.
exactly!
For money everything can be sold, even your integrity.
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
I like your previous learning videos but now a days most of your free videos are regarding some promotion explained as a learning videos.
She is blindly saleing products nothing else sebi should stop this thing, 😢,
I khow this comment will be deleted any time
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.
Thankyou
U r valued person rachana, please avoid such promotional stuffs.
Kindly avoid like this type of videos , ur were adding value hope u will continue to do so
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.
You have learnt to act as well. Nice!👍🏿
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..
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.
Thankyou dear, it's new info for me
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.
Well said
Wow!!! What an advertisement. We reject Credit Card call from banks yet watching you sell Uni in youtube. Oh the irony....
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.
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.
It is more destructive than Credit card. People should avoid it.
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
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 🙏🙏
Yes
YOU CAN'T EXPECT LOYALTY FROM PEOPLE WHO WOULD DO ANYTHING FOR MONEY.
Financial disciplined person doesn't need such paycheck ( debt trap)
Hi, Will this act tax since it will be treated as salary or amount deposited in salary account?
Why not directly tell subscription charges?
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
Why promote such scams?
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.
Not expected this type of promotion from you ma'am
Clickbait thumbnail in name of additional salary. Thumbnail and video expected from you was "Avoid debt trap by avoiding additional loan"
Will this amount which is credited into savings account considered as income to be taxes?
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.
Mam kindly share link for mobile stand you are using in video
Is 50K maximum amount that can be available through paycheck?
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.
Remember vo paise vaapis Dene hote hai
You didn't mentioned Any persentage or charge amount
After transferring money to account will they charge any fees for the transferred amount
Sponsered by UNI ?
Fake account. Dont respond.
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
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
This additional salary effect on income tax
Within what much duration are we supposed to pay dues
Madam, Before releasing video please check sound level. Please make it MAXIMUM.
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 Rachana for the wonderful insight on UNI Paycheck. Can it be used instead of availing personal loan as one need not has to pay interest unlike in personal loans?
Yes but validity is less 15 days
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
🤔🙂
What is long term tax time period for plot sale?
Can you please have some vedio for peer to peer landing apps ? Like mobikwik, cred, 12%
I think every month amount is credited one extra loan account is created please check once...
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.
I think it's time to unsubscribe
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.
Can you make a video on the upcoming TATA TECHNOLOGIES IPO
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.
They have increased the subscription fee to 2999
Everyone here is smart enough to smell the Trap... 😂
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
Quite informative. Thanks!
How to calculate capital gain in Redevelopment of property?
If you don't have money to host your relatives, stop attending their phones.
Also in social media
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.
@@channakeshavab Absolutely
This is actually a good app. Are there any more apps like this
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.
Can it possible in hindi language or gujarati language
I like 5o join u but some language problem I can't do cause I can't understand properly
Blindly promoting products n scams
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
Not a good advice Mam.. I can understand they provide sponsership but please be responsible while suggesting such debt trap products.
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 😅
In my location which is near to Mumbai, there service is not available.
Sir, please make video regarding newly introduced midcap nifty expiry.
How does Uni run their business and what is their source of funds
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.
This is disaster ,,
Those who can not manage , salary how can they manage type of loan every month
Pls Stop like this promoting the app.. lot of people will lock to replay the amount..
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.
Why don't you mention this content is promoted? Disgusting to see so called Finfluencers giving wrong guidance
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.
Didi give some idea for students to earn part time income.
Plz avoid making such videos.. U look to be a genuine person.
Any other similar app?
Stop promotion financial trap apps mam
I think बिचारे need a salary hike instead of card 😂
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
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
Repayment time??
Who will tell subscription charges? 😂
Tks for providing very imp.infn.👍🙏
Thank you
Mam Please Market wolf app par beginners ke liye video banaye koie aisa strategy batao Jo roz follow ya apply kar sakte hai
I think Jupiter provides similar feature for 1 month at 0% interest rate.
No. They have a processing fees of 2% absolute
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.
Request for make some videos relating to UTI Mutual index fund..
I'm slowly lossing respect for this woman because of her selection of product to promote !
What is annual fee?
Please make video on UNI Power Up product
Wasn’t this video was sponsored by UNI
"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.
Maam i wanna start investing in stock market but I am a minor and every brokerage app is asking for pan information
I checked many videos about this but can't find a satisfactory answer
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.
I am very much inspired by your videos. Now I am getting a little disappointment 'cause of your app's and brand promotions.
very well explained
How it will become additional salary 😅