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[@Ravisutanjani](/creator/twitter/Ravisutanjani)
"🚨 Jio Mart is Now Live in My Hometown Delivering in 10-30 Minutes From Nearest Store Blinkit Instamart Zepto Aren't Even Close Item Pricing is Cheaper and Very Reasonable Going To Be Tough Competition Against Reliance"  
[X Link](https://x.com/Ravisutanjani/status/1981396498853351499) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-23T16:25Z 173.1K followers, 38.6K engagements


"@narendramodi Thank you so much Hon'ble Sir This made my day ❤🙏 Under your Leadership India has built a Robust Public Digital Infrastructure We Citizens are the Brand Ambassadors of Indias Growth Story"  
[X Link](https://x.com/Ravisutanjani/status/1609939703134064641) [@Ravisutanjani](/creator/x/Ravisutanjani) 2023-01-02T15:48Z 173.1K followers, 2.8M engagements


"SIM in Nepal We bought Nepal Telecom SIM at the Airport for XXX that gives Unlimited Data Refer to this table there are other companies too but with inflated costing"  
[X Link](https://x.com/Ravisutanjani/status/1886460612139426004) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-02-03T17:03Z 173.1K followers, 141.6K engagements


"INR () To NPR ( ) XXX = XXX Nepalese Rupee"  
[X Link](https://x.com/Ravisutanjani/status/1886460624634368258) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-02-03T17:03Z 173.1K followers, 125K engagements


"🚨 Team India's Sponsors in The Past Sahara Micromax Star India Oppo Mobiles BYJUs Dream1 Who Should Be The Next Sponsor"  
[X Link](https://x.com/Ravisutanjani/status/1959994604167873015) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-08-25T15:01Z 173.1K followers, 778.1K engagements


"🚨 Tata Motors Announced To Reduce Prices On Cars By Up To1.45 Lakh After GST Reforms Will Pass On Entire Benefit To The Customers Excellent Move More Companies Should Follow"  
[X Link](https://x.com/Ravisutanjani/status/1964020494606258623) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-09-05T17:39Z 173.1K followers, 300.3K engagements


"🚨 Automobile Companies That Announced To Pass New GST Benefits To Customers Tata Motors Mahindra & Mahindra Hyundai India Nissan Motor Toyota India Audi India Renault India Skoda Kia JSW MG Good Diwali For Customers and Auto Companies"  
[X Link](https://x.com/Ravisutanjani/status/1965034674709020849) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-09-08T12:49Z 173.1K followers, 38.4K engagements


"Been an iPhone Pro Users For Years Switched To Google Pixel X Pro XL Recently Loving The Android Experience More Than iOS Had Got Pixel X Pro XL For Just 65950"  
[X Link](https://x.com/Ravisutanjani/status/1974902839261683868) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-05T18:21Z 173.1K followers, 54.6K engagements


"@timesprime is an incredibly beautiful product one of its kind bundling important OTT lifestyle subscription in a single package The combined value is easily worth more than 10000. Visa Signature Credit Card Users can claim it for free. PS: I've been using it for X years"  
[X Link](https://x.com/Ravisutanjani/status/1977428725232001316) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-12T17:38Z 173K followers, 11.2K engagements


"Here are some working Visa Signature Credit Cards Axis Atlas/ACE /Rewards HDFC Regalia / Millenia / Tata Neu ICICI Sapphiro / Rubyx / Adani One SBI Prime / Pulse / Signature IndusInd Legend/Kotak Royale Signature OneCard / Scapia / IDFC Select / HSBC Live+"  
[X Link](https://x.com/Ravisutanjani/status/1977428730365854101) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-12T17:38Z 173K followers, 9924 engagements


"c) Free Airport Meet & Greet Service This is an incredibly helpful offer running for Visa Infinite Credit Card holders only You'll need to spend over $1000 in order to get this benefit triggered. Official Link :"  
[X Link](https://x.com/Ravisutanjani/status/1977428739429724336) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-12T17:38Z 173.1K followers, 9720 engagements


"I have claimed this benefit on my Axis Bank Olympus HDFC Infinia and ICICI Bank Times Black Credit Cards You'll need to authenticate the card after entering the travel details and VIP concierge service will be booked for you. Valid on International travel to/from India"  
[X Link](https://x.com/Ravisutanjani/status/1977428749256990730) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-12T17:38Z 173.1K followers, 10.3K engagements


"🚨 This is Why States Collect Upto XX% Road Tax Pathetic Crumbling Infrastructure and Potholes And No Accountability If People Lose Lives"  
[X Link](https://x.com/Ravisutanjani/status/1977691940218142840) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T11:04Z 173K followers, 204.5K engagements


"How To Dispute Such Enquiries Official Link : Access Dispute Form Credit Application History I have not applied for these loans / credit cards Find Solution Raise a Dispute"  
[X Link](https://x.com/Ravisutanjani/status/1977738453300191331) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T14:09Z 173.1K followers, 12.4K engagements


"@NikhilA1412 Not at all that's a soft enquiry and doesn't impact credit score. However don't use third-party apps. Only use the official website of CIBIL Experian etc"  
[X Link](https://x.com/Ravisutanjani/status/1977739973202723083) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T14:15Z 173K followers, 1501 engagements


"🚨 Jio Payments Bank Won The Contract For Free-Flow Toll System Rollout at National Highways They are Already Managing XX Toll Plazas New System Will Identify Vehicles Accurately and Deduct Toll Without Need To Slowdown"  
[X Link](https://x.com/Ravisutanjani/status/1977788566572085403) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T17:28Z 173K followers, 45.4K engagements


"🚨 Indian Tourists May Soon Be Able To Pay via UPI in Japan Already Live in X Countries NPCI International Has Partnered With NTT DATA Japan To Enable UPI Payments For Indian Tourists Here's How You Can Activate UPI Global 🧵"  
[X Link](https://x.com/Ravisutanjani/status/1978163196327571707) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-14T18:17Z 173.1K followers, 24.9K engagements


"Open BHIM UPI App Check Payment Method Bank Account Activate UPI Global"  
[X Link](https://x.com/Ravisutanjani/status/1978163208775954589) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-14T18:17Z 173K followers, 1440 engagements


"What Next Select Validity Verify with UPI PIN Voila UPI Global is Activated stilt"  
[X Link](https://x.com/Ravisutanjani/status/1978163221719879878) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-14T18:17Z 173K followers, 1106 engagements


"@realdharm Even I believe that pension contribution should be standalone and independent. What I'm proposing is that let companies as well as employees choose between EPFO LIC ELSS Mutual Fund or NPS. No need to force only EPFO even when people don't want it"  
[X Link](https://x.com/Ravisutanjani/status/1978514973597839383) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-15T17:35Z 173.1K followers, XXX engagements


"🚨 Price of XX Gram Gold (24K) in India 2005 : 7000 2015 : 26343 2025 : 131000 Over 18x Increase in The Last XX Years While NIFTY50 Given 11x Returns in Same Period Indian Moms Have Outperformed Fund Managers"  
[X Link](https://x.com/Ravisutanjani/status/1978523370921533493) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-15T18:08Z 173.1K followers, 162.6K engagements


"Similarly been buying Sovereign Gold Bond (SGBs) till the RBI discontinued them. This one is my first SGB bought XX Grams at 27800 4x Returns in X Years XXX% Internet Annual Tax-Free Gains"  
[X Link](https://x.com/Ravisutanjani/status/1978527862677275133) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-15T18:26Z 173K followers, 7283 engagements


"🚨 Automobile Companies Will Probably See The Best Ever Sales In Their History This Month Almost Every Showroom And Brand I Have Spoken They Are Facing A Huge Inventory Shortage Order And Delivery Books Are Very Healthy GST Cut Is Indeed A Big Boom For The Auto Sector"  
[X Link](https://x.com/Ravisutanjani/status/1978723403981852728) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-16T07:23Z 173.1K followers, 11.6K engagements


"Eternal Financials - Q2-FY26 Read More: @upadhyay_harsh1 @entrackr @jaivardhan88"  
[X Link](https://x.com/Ravisutanjani/status/1978799048921362812) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-16T12:23Z 173K followers, 15.7K engagements


"🚨 Some Remarkably Successful Acquisition Google - Android and YouTube Meta - Instagram and WhatsApp Microsoft - LinkedIn Elon Musk - Twitter Salesforce - Slack Zomato - Blinkit"  
[X Link](https://x.com/Ravisutanjani/status/1978827436314743087) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-16T14:16Z 173.1K followers, 72.7K engagements


"The easiest option might seem 👇 Pay full amount via RTGS if one already has cash in the bank account without any stress But regret of not letting that money compound when there are cheaper loans available already. The same amount can be invested for better returns"  
[X Link](https://x.com/Ravisutanjani/status/1979062783598567884) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T05:51Z 173.1K followers, 14.5K engagements


"Similarly redeeming Mutual Funds has its own downside hurting compounding as well as potential capital gains taxes So another Good alternative is to take a loan against Mutual Funds but comes with a higher interest rate (10.5%) as compared with Car Loans (7.85%)"  
[X Link](https://x.com/Ravisutanjani/status/1979062788581658877) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T05:51Z 173.1K followers, 13.6K engagements


"Now car loans are attractive because of rate cuts PNB and many Public Sector Banks are already offering starting XXXX% No processing or foreclosure fees on this. Good one for people with liquidity crunch or want to optimize on investments etc"  
[X Link](https://x.com/Ravisutanjani/status/1979062792188760574) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T05:51Z 173.1K followers, 12.8K engagements


"Another underrated way is to use Credit Cards Comes with additional fee but if one has credit cards like Infinia Diners Black Axis Magnus Axis Atlas etc the net returns can be very rewarding"  
[X Link](https://x.com/Ravisutanjani/status/1979064074081017952) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T05:56Z 173.1K followers, 13.5K engagements


"What would you choose @grok What would be your preference here"  
[X Link](https://x.com/Ravisutanjani/status/1979064196529537073) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T05:57Z 173.1K followers, 13.7K engagements


"On a spend of XXX Lakhs 16800 Regular Points 17500 Milestone Points 22500 Incremental Points 10000 TAJ Gift Cards This is on Amex Platinum Travel Credit Card. You can explore Amex Cards Here: Referral Link:"  
[X Link](https://x.com/Ravisutanjani/status/1979426083213840515) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T05:55Z 173.1K followers, 23.3K engagements


"Now you can convert American Express Membership Rewards points to Virgin Atlantic at 2:1 ratio Delhi-London Economy ticket costs as low as 6000 Points & applicable taxes So around X Tickets and just pay taxes 56800 points can also be redeemed for 2-5 night stays at Marriott"  
[X Link](https://x.com/Ravisutanjani/status/1979426097864315315) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T05:55Z 173.1K followers, 18.5K engagements


"Where do you order Gold From I find Amazon and Myntra most reliable for online gold orders whenever there's a discount on Credit Cards or coupon codes. This one is from Amazon 8500 instant credit card discount during last sale so effective Gold Price is just 11656/g"  
[X Link](https://x.com/Ravisutanjani/status/1979429810410787103) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T06:10Z 173.1K followers, 18.1K engagements


"Indian women hold11% of the world's gold at 24000 metric tons which is several times more than the USA (8133 tons) Germany (3362 tons) Italy (2451 tons) France (2436 tons) and Russia (2298 tons) Read More:"  
[X Link](https://x.com/Ravisutanjani/status/1979443824066977805) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T07:05Z 173K followers, 2524 engagements


"Important to understand 👇 - Only use and buy what you can afford - Use debt with discipline - Always pay on or before the due date Overall age of credit matters a lot"  
[X Link](https://x.com/Ravisutanjani/status/1979464777593426422) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T08:29Z 173.1K followers, 6275 engagements


"🚨 Gifted This Beauty To My Parents ♥ Long Road From a Bicycle To Their Own Car Also Proud To Buy a Beast From an Indian Brand Grateful To Everyone Happy Diwali 🪔"  
[X Link](https://x.com/Ravisutanjani/status/1979970883784671578) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-19T18:00Z 173.1K followers, 104.3K engagements


"This is the XUV XXX RevX A (TGDi). It looks very stunning one of the best in the segment and is totally feature-loaded powertrain Parents absolutely loved it. @anandmahindra"  
[X Link](https://x.com/Ravisutanjani/status/1979981399596941355) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-19T18:42Z 173.1K followers, 4764 engagements


"Other good cars in our consideration were Skoda Kylaq Hyundai Venue Tata Nexon Kia Seltos Honda Amaze MS Brezza/Grand Vitara"  
[X Link](https://x.com/Ravisutanjani/status/1979981405389238469) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-19T18:42Z 173K followers, 4424 engagements


"@twit4rahulk They say: 'Never say Never'"  
[X Link](https://x.com/Ravisutanjani/status/1980700068136251652) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-21T18:17Z 173.1K followers, 2705 engagements


"@ssv_blr Agree Jio Platforms Limited is another underrated horse"  
[X Link](https://x.com/Ravisutanjani/status/1980702218723749944) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-21T18:26Z 173.1K followers, 3023 engagements


"What's The Benefit Here are the things you get 👇 Interest Free Credit Period Up to XX Days Reward Points More Interest in Bank/FD Spend Milestone/Annual Fee Waiver etc You miss all of these if used direct payment using UPI or NEFT etc"  
[X Link](https://x.com/Ravisutanjani/status/1981059129822298221) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:04Z 173K followers, 6670 engagements


"@SaffronS0ul Absolutely I used Amazon Pay With the vouchers bought using Credit Cards"  
[X Link](https://x.com/Ravisutanjani/status/1981067613288747222) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:38Z 173.1K followers, 2178 engagements


"🚨 Zomato Acquired Blinkit For 4500 Cr in 2022 Now Blinkit Posted 9891 Cr Revenue in Q2-FY26 That's 4X of Zomato's Food Delivery Business One of The Most Successful Acquisitions Ever"  
[X Link](https://x.com/Ravisutanjani/status/1978792227813093853) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-16T11:56Z 173.1K followers, 337.7K engagements


"🚨 Northern Railways and Western Railways Restricted Platform Ticket Bookings During Festival Railway is Anticipating Massive Number of Passengers Travelling During Diwali and Chhath Pooja Indian Railway Should Also Start Working on Installing Automated Entry Gates For Safety"  
[X Link](https://x.com/Ravisutanjani/status/1978886197914095672) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-16T18:10Z 173.1K followers, 9228 engagements


"🚨 Best Payment Option To Buy Car For XX Lakh Assume You Have Full Amount in Bank/MFs Pay Full Amount via Bank Transfer Take a Car Loan : XXXX% Floating Rate Take Loan Against MFs : XXXX% Interest Pay Using Credit Cards: XXXX% Fee/7% Reward"  
[X Link](https://x.com/Ravisutanjani/status/1979059758603673790) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T05:39Z 173.1K followers, 112K engagements


"🚨 Truly Impressed By Punjab National Bank Car Loan Sanctioned at XXXX% Interest Rate Aadhaar PAN X Year ITR/26AS GSTIN CIBIL XXX X Month Bank Statement Car Selection All Done with OTPs No Physical Documents Much Cheaper and Better Than Private Banks"  
[X Link](https://x.com/Ravisutanjani/status/1979196152609132793) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T14:41Z 173.1K followers, 261.8K engagements


"Once this is done you'll need to enter Vehicle Brand and Model Select City and Listed Dealers Enter Ex-Showroom and Pricing RTO Details Charges Get Auto Populated You'll also need to upload the car quote received from the dealer insurance quote (if own)"  
[X Link](https://x.com/Ravisutanjani/status/1979204507847528652) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T15:15Z 173.1K followers, 14.6K engagements


"🚨 BSNL Launched XX Days Free Plan at X X GB Data / Day Unlimited Voice Calls Complimentary 4G Service This Will Be Valid For New and Porting Users Private Companies Complaining To TRAI Now Excellent Move By BSNL To Challenge Duopoly"  
[X Link](https://x.com/Ravisutanjani/status/1980210795431829558) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-20T09:53Z 173.1K followers, 247.7K engagements


"🚨 Reliance Added XXX Dark Stores Recently JioMart is Already Delivering at Over 1000 Cities Blinkit Instamart Zepto Made Indians Addicted To Quick Commerce and Created Category Now JioMart is All Set To Disrupt This Industry"  
[X Link](https://x.com/Ravisutanjani/status/1980696190724591800) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-21T18:02Z 173.1K followers, 119.8K engagements


"🚨 Zoho To Enter Consumer FinTech Space Launching 'Zoho Pay' App For Payments Users Will Be Able To Send and Receive UPI This Will Also Be Integrated with Arattai App Will Compete with Google Pay and PhonePe"  
[X Link](https://x.com/Ravisutanjani/status/1980927110320628117) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T09:20Z 173.1K followers, 57.5K engagements


"How To Negotiate Card Fee Many automobile dealers in India charge between 1.5-3% of making payments with credit cards. You can't really do much here. But here are few things to help you. 👇"  
[X Link](https://x.com/Ravisutanjani/status/1981059180602724391) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:04Z 173.1K followers, 8713 engagements


"And I keep sharing many such Important Updates and Insights around Credit Cards and Travel on WhatsApp Channel Subscribe so you don't miss out next time:"  
[X Link](https://x.com/Ravisutanjani/status/1981062717101527440) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:18Z 173.1K followers, 4125 engagements


"TLDR: So the entire transaction was done using Credit Cards and Loan from PNB Didn't make a cash payment for a single rupee and the credit card bill payment will be done in full next month before the due date from the reserved FD parked for this purpose already"  
[X Link](https://x.com/Ravisutanjani/status/1981062722134692147) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:18Z 173.1K followers, 5069 engagements


"@Vivek_17m No not a paid promotion at all. I wasn't here for a long time and this is actually a surprise to me. Many tier 3/4 are are yet to discover quick commerce for the first time. Yes the app and UI need a lot of improvement"  
[X Link](https://x.com/Ravisutanjani/status/1981400035603730598) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-23T16:39Z 173.1K followers, 1529 engagements


"🚨 Have You Ever Ordered From Meesho How's The Overall Experience and Service"  
[X Link](https://x.com/Ravisutanjani/status/1981424989946728557) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-23T18:18Z 173.1K followers, 12.8K engagements


"@prakash__sharma Start with digital savvy customers and less risky segments mandatory physical verification for large sums beyond a threshold"  
[X Link](https://x.com/Ravisutanjani/status/1981427229088501874) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-23T18:27Z 173.1K followers, XXX engagements


"🚨 Zoho Should Rename Arattai Messenger App Need To Make It Easy To Catch and Remember Good To See India Focusing on Own Chat App"  
[X Link](https://x.com/Ravisutanjani/status/1971556908592214226) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-09-26T12:46Z 173.1K followers, 2.1M engagements


"🚨 PNB is Offering Car Loans as Low as XXXX% No Processing Fees No Foreclosure Charges Very Competitive Rates From Other Govt Banks Leveraging GST Boost and Festive Car Sales Avoid Private Banks Taking Higher Interest"  
[X Link](https://x.com/Ravisutanjani/status/1975189915819298860) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-06T13:22Z 173.1K followers, 160.5K engagements


"🚨 Excellent Offers For Visa Credit Card Holders PVR Voucher of XXX 5000 Villa Stay Voucher Upto XXX Bill Pay Voucher Free Times Prime Membership Free Airport Meet and Greet Your Credit Card Has Hidden Benefits Here are X Important Links and Details 👇"  
[X Link](https://x.com/Ravisutanjani/status/1977428686887674109) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-12T17:38Z 173.1K followers, 109.8K engagements


"a) Visa Credit Card Rewards Signup on the Visa Rewards Page Link Your Credit Card Check for Activation and Milestone Benefits Official Link :"  
[X Link](https://x.com/Ravisutanjani/status/1977428694357647531) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-12T17:38Z 173.1K followers, 15.9K engagements


"Have claimed these benefits on few cards 👇 XXX Paytm Bill Pay Voucher 1000 PVR Gift Card 5000 Elivaas Stay"  
[X Link](https://x.com/Ravisutanjani/status/1977428704616907219) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-12T17:38Z 173.1K followers, 13.3K engagements


"🚨 Successfully Removed Wrong CIBIL Entry Check Credit Report Periodically For Safety You Can Also Get Free CIBIL Report (Officially) Here's How You Can Dispute CIBIL Enquiry 🧵"  
[X Link](https://x.com/Ravisutanjani/status/1977738433238843755) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T14:09Z 173.1K followers, 193.6K engagements


"Visit the Official CIBIL Website Here - As per the RBI guidelines every credit bureau is required to provide one free credit score refresh every year to individuals"  
[X Link](https://x.com/Ravisutanjani/status/1977738437017956398) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T14:09Z 173.1K followers, 17.5K engagements


"Post successful sign-up/login You can refresh to get the latest data including Credit Score Enquiry Personal Information section etc"  
[X Link](https://x.com/Ravisutanjani/status/1977738441031880791) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T14:09Z 173.1K followers, 15.7K engagements


"This is how the 'Enquiry Information' section looks. Good To Know: Every time you apply for any kind of loan or credit card the financial institution (eg Bank) makes a hard inquiry against your PAN that gets reported to credit bureaus"  
[X Link](https://x.com/Ravisutanjani/status/1977738444999696704) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T14:09Z 173.1K followers, 14.8K engagements


"Many times agents and banks conduct enquiries without the explicit consent of the customers. Note that hard enquiries affect your credit score negatively so it's important to review your credit report once a quarter and dispute any account or enquiry you don't recognise"  
[X Link](https://x.com/Ravisutanjani/status/1977738448954916933) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-13T14:09Z 173.1K followers, 13.9K engagements


"🚨 Govt Engineers and Contractors Should Be Held Responsible For Such Negligence and Corruption No One or Their Family Deserve To Face This This is Nothing But Attempt To Murder By System"  
[X Link](https://x.com/Ravisutanjani/status/1978025202442555532) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-14T09:08Z 173.1K followers, 254.3K engagements


"And there you get an option to select between Floating RoI (Repo Rate Linked) or Fixed Rate Now You'll see 👇 Eligible Loan Amount Offered Interest Rate Select Tenure and EMI Note that there's no processing fee or foreclosure fees currently"  
[X Link](https://x.com/Ravisutanjani/status/1979206331488678064) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T15:22Z 173.1K followers, 13.3K engagements


"🚨 Zepto Laid-off XXX Employees Last Month Over XXX Staff Have Been Laid-off Since April Zepto Built In-House Software To Automate Many Operational Work For Cost Savings Reducing Jobs"  
[X Link](https://x.com/Ravisutanjani/status/1979234093905629191) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T17:12Z 173.1K followers, 44.1K engagements


"🚨 Govt Should Reform Municipal Councils Let Private Players Handle Cleanliness and Civic Issues Compete For Quality and Improvements Airports Electricity Telecom are Good Example Most Municipalities are Incapable and Corrupt"  
[X Link](https://x.com/Ravisutanjani/status/1979250043438928269) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-17T18:15Z 173.1K followers, 46.4K engagements


"🚨 Bought Gold Coins Online Using Credit Cards XX Grams For Approx XXX Lakh (12000/G) 56800 American Express Points 10000 TAJ Hotel Stay Gift Card Easy Enough For X Delhi-London Tickets Gold is Already Up By XX% From Buying Date"  
[X Link](https://x.com/Ravisutanjani/status/1979421708059840886) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T05:38Z 173.1K followers, 221K engagements


"🚨 Get a Credit Card Early in Your Career Use It Like a Debit Card or Even Once a Year This Will Help Build an Excellent Credit Score You Become Eligible For Easy and Cheaper Interest Rate For Car Home Loan Better Cards etc While Your Friend Pays Higher Interest Rates"  
[X Link](https://x.com/Ravisutanjani/status/1979461910849597834) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T08:17Z 173.1K followers, 68.5K engagements


"Here's a few Life Time Free Credit Cards HSBC Visa Platinum : Scapia Federal : IndusInd Tiger : AU Bank Lit : Disc : Referral links always do your research"  
[X Link](https://x.com/Ravisutanjani/status/1979464782035194115) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T08:29Z 173.1K followers, 5989 engagements


"🚨 RBI Should Make Digital Transactions Safe Launch a Missed Call or WhatsApp Number Bank Should Block All Digital Channels (UPI Credit Cards Debit Cards) Immediately After Call Can Be Unblocked After Customer Verification This Can Save Lakhs of People From Cyberfrauds"  
[X Link](https://x.com/Ravisutanjani/status/1979612012834607141) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T18:14Z 173.1K followers, 17.4K engagements


"Getting this done via Mobile Banking or Internet Banking is difficult Many people either don't have Mobile Banking activated or they don't remember the password because of inactivity or expiry. This is the best approach to safeguard citizens and their hard earned money @RBI"  
[X Link](https://x.com/Ravisutanjani/status/1979612676730106096) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-18T18:16Z 173.1K followers, 3628 engagements


"I'll share a couple of threads in the next few days Why we chose 3XO RevX A Things to know before and after booking Things to do before delivery How we did PDI and Quality Check How we saved over 60000 Benefits of Loans/Credit Cards over cash"  
[X Link](https://x.com/Ravisutanjani/status/1979981409696768003) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-19T18:42Z 173.1K followers, 6432 engagements


"🚨 Supreme Court Should Act For Road Safety What's The Point of High Road Taxes and Tolls When Govt Can't Ensure Safe and Pothole Free Roads They are Life Threatening To Citizens Everyday Also Need To Prosecute Corrupt Contractors"  
[X Link](https://x.com/Ravisutanjani/status/1980611110249341189) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-21T12:24Z 173.1K followers, 19K engagements


"🚨 Public Should Also Have a Role in Selecting The Contractors For Roads and Highways Current Tender Process and Unreal Power at The Hand of Bureaucrats Have Made It Corrupt Even Countries Like Thailand Vietnam Sri Lanka Have Better and Potholes Free Roads"  
[X Link](https://x.com/Ravisutanjani/status/1981021070066151484) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T15:33Z 173.1K followers, 20.4K engagements


"🚨 Made Payment For Our Car with Credit Cards Negotiated Card Fee with Extra Accessories Earned Free Flighs/Hotel Stays Worth 80000 Wouldn't Have Saved Anything with Cash Here are Things You Should Know 🧵"  
[X Link](https://x.com/Ravisutanjani/status/1981059104090313155) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:04Z 173.1K followers, 131.1K engagements


"Which Credit Card I Used I used the Axis Bank Atlas Credit Card On a spend of XXX Lakh You can get 20000 EDGE Miles or 40000 Airline or Hotel miles. If you transfer to Accor the INR value would easily be worth over 80000"  
[X Link](https://x.com/Ravisutanjani/status/1981059142556274961) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:04Z 173.1K followers, 12.6K engagements


"Good To Know Always make a small test transaction of 10000 or less to understand the MCC (Merchant code that is used to determine category) Many times dealers have the wrong MCC you won't get rewards if excluded by your bank. I checked with SBI Cards 👇"  
[X Link](https://x.com/Ravisutanjani/status/1981059155436982380) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:04Z 173.1K followers, 11.6K engagements


"What are the other Good Cards to Consider You may check this excellent infographics made by @RewardMatrix"  
[X Link](https://x.com/Ravisutanjani/status/1981059172847538414) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:04Z 173.1K followers, 9576 engagements


"Important To Know 👇 This approach and thread is the most suitable for people who are already going to make the payment in full or part using Cash/UPI/NEFT"  
[X Link](https://x.com/Ravisutanjani/status/1981062689167491278) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:18Z 173.1K followers, 6074 engagements


"This shouldn't be taken as an alternative to Car Loan note that Credit Card Loan/EMIs comes at significantly higher interest so avoid that. If you don't have cash taking a car loan is any day better option for you"  
[X Link](https://x.com/Ravisutanjani/status/1981062694666195445) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:18Z 173.1K followers, 5703 engagements


"What if I Have Mutual Funds I don't recommend redeeming Mutual Funds if you have means to pay EMIs You can either get a car loan (7.85%) or get a loan against Mutual Funds at (10.5%) without triggering LTCG/STCG"  
[X Link](https://x.com/Ravisutanjani/status/1981062698751406345) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:18Z 173.1K followers, 5310 engagements


"Precisely why I have also taken a small Car Loan from Punjab National Bank at XXXX% floating interest rate for the remaining amount I shared the details here earlier 👇"  
[X Link](https://x.com/Ravisutanjani/status/1981062704317288609) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:18Z 173.1K followers, 6469 engagements


"Disclaimer : Use debt responsibly always pay all credit card dues in full. This thread is for educational purposes or shouldn't be taken as financial advice. Always do your research and consult with a certified financial advisor before making any financial decisions"  
[X Link](https://x.com/Ravisutanjani/status/1981062726358355997) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-22T18:18Z 173.1K followers, 4497 engagements


"🚨 Govt Should Make It Mandatory For Travel Apps To Show Fare Inclusive of Convenience Fee Some Platforms Add as High as XXX Convenience Fee on Domestic Flight Tickets Same Goes For e-Commerce Companies These Dark Patterns Need To Be Stopped"  
[X Link](https://x.com/Ravisutanjani/status/1981342455900336289) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-23T12:50Z 173.1K followers, 19.5K engagements


"🚨 High Time All Banks Should Launch Online Video KYC For Dormant Accounts and Account Closing Also Need To Eliminate So Much Paperwork Use Digi Locker and Documents on Emails It's Time Waste To Make People Visit Branch"  
[X Link](https://x.com/Ravisutanjani/status/1981421065894248688) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-23T18:02Z 173.1K followers, 6944 engagements


"@ivaibhavkr I guess one needs to have more than 10L coins for this one"  
[X Link](https://x.com/Ravisutanjani/status/1981435692120178800) [@Ravisutanjani](/creator/x/Ravisutanjani) 2025-10-23T19:00Z 173.1K followers, XXX engagements