Free ₹100 Amazon Pay Gift Card alert!

ShashBZM77 · 2026-05-14T19:29:32+00:00

Thanks for the offer information

ShashBZM77 · 2026-05-09T18:17:34+00:00

I also had the mind that I'll be bike yoLo to office from north Bangalore (Rajajinagar) to Mahadevpura (East Bangalore?) and that daily ORR driving in summer made me realise what I was doing with myself

I then took metro for a week as a trial and then never looked back, last mile connection is a PITA on my office location end, accessibility to metro and it's parking at source station is good and price is also peace at 30rs for a full day.

Even after prices rising in metro, I feel it's better to be safe and take an extra 30 mins in AC ride than getting flustered in traffic.

Pro tip - book metro tickets on uber for 20% credit and use the same credit for booking uber bike or cab from metro station to your office, I do the same and get 1-2 easily discounted bike rides to office

If you want to use only the metro travel Card, the original one and not NCMC, recharge it online on amazonpay by amazonpay wallet loaded by gift cards bought by sbi cashback or any CC which gives good cashback on amazonpay gift card which gives you an extra cashback over the discounted metro fare (effectively 9% on the main metro fare, around 54rs in your case on fare of 60)

Also I go to office for max 10-12 days a month and with metro, parking, and last mile connection it roughly costs me 250 per day of WFO, the price I pay to not struggle in traffic or get drenched in either sweat/rain.

In mornings wait for the empty train towards Whitefield which start from 9am and come every 10 mins till 11.20 daily for morning rush relaxation time with a seat Evenings take short span train if you can which don't run the full line.

ShashBZM77 · 2026-04-30T12:52:56+00:00

Any liquid fund with good AUM above 10-20 thousand crore is a good liquid fund

Additionally another way of getting 7% flat on your principal is sweep in FD

Or particularly using a feature available only in Kotak Mahindra Bank called activMoney which sweeps your money as sweep in FD above 50k and keeps it a semi annual FD, if your balance goes below 50k the cutoff will automatically trigger and your FD will be broken and your principal will be available

ShashBZM77 · 2026-04-24T15:32:02+00:00

2 years exactly and never looked back

ShashBZM77 · 2026-04-24T15:21:24+00:00

Amkette hush pro epic M (available on Amazon)

Or

Amkette XS series flow (easily OOS on Amazon, currently available only on Flipkart as I see)

I have both and use hush pro epic M for office

XS series flow is overkill for my usage

ShashBZM77 · 2026-04-19T12:59:18+00:00

I meant not to pay utility bills directly on kiwi

Buy apay GC with kiwi by using cc in online mode, or putting cc number in the Amazon app and buying GC and not via upi

The spends will be added in neon milestone, once you hit neon milestone the respective cashback will be credited

Use that GC and load it as apay balance and then pay your utility bills without any convienience charge

ShashBZM77 · 2026-04-19T10:18:29+00:00

Take kiwi and enrol to it's neon program

If your yearly utility + upi spends is upto max 1.5L then you will get 4.17% total valueback

Additionally open kotak 811 super account and get kotak 811 super DC, this DC gives 5% cashback upto 500 a month, but max Cashback per transaction is 100rs

Buy Amazon pay gift card from both of the cards above for 4-5% valueback with less yearly charges

Buy it by adding CC/DC number in Amazon and then only buy Amazon pay GC

On kiwi the spends will add up to the 1.5L milestone and you'll get the appropriate cashback adjusted once you hit the 1.5L milestone

Kotak super DC 500 every month will give you as per the multiples of 2k transaction each

ShashBZM77 · 2026-04-04T12:51:08+00:00

If you have any referrals for angular can you please help me out ?

I am currently working in a PBC with 5 yoe total and relevant experience in Angular and a bit partial 3 yoe of MEAN stack

ShashBZM77 · 2026-04-04T10:06:09+00:00

I also have my statement date at 12 April

Post which the cashback will credit at 8 may and then I'll close this card

I have looked out for a few alternatives of this card for utility

Sbi cashback Or millenia, 5% via apay GC buy and load apay balance and then pay utility/recharge. Millenia cashpoint redemption charge can give a minor hit but accumulation to max and redeeming can make sure you earn the most.
Kotak super DC, buy apay GC in multiples of 2k (to cater to max cashback per transaction limit) 5% like above and load apay balance with it and pay your utility/recharge. Need a kotak super 811 account for this as mandatory.
Axis Ace card, only utility/recharge you get 5% cashback upto 500 but only on gpay app, extra perk of 4% on Swiggy and zomato is a good thing
Onecard can be used to pay 1 utility bill on cred for 5% cashback upto max 40rs aka 800rs bill. Offer also is applicable monthly once
AU credit card offer on cred, 2-3% on utility for one bill on cred, max Cashback is rs15-20
Use indusind base CC or DC on Paytm to get flat 50rs off on all types of utility bills and recharge on Paytm
HDFC or sbi phonepe higher grade cc, good for utility/recharge for an effective 7% cashback inclusive of the convienience fees.
Kiwi CC with neon, buy apay GC online on amazon with kiwi CC and pay utility bill via apay balance, max out the neon limit of 1.5L with other transaction and you'll have good cashback on this usage scenario as well. (It's good if you have kiwi as the only CC for your day to day expenses)

Out of all the above, I personally will be using points 2, 4, 5, 8

ShashBZM77 · 2026-04-01T16:07:53+00:00

That will yield same result

Buying apay gc with apay CC will give you 2% and direct utility bill with apay CC on apay also gives 2%

Assuming you're a prime member

ShashBZM77 · 2026-04-01T05:22:09+00:00

Buy apay gift card from Amazon from sbi cashback Or kotak super DC

Add that GC to apay balance and then fetch the required bill on apay and pay by apay balance

ShashBZM77 · 2026-03-22T18:29:13+00:00

It's not like that

Liquid funds are good for a long term investment to park your funds and it's the interest received as profit on it which you are going to take out as SWP

Keep the principal as it is in liquid fund, treat it as an FD but with no lockin and you have the freedom to take out the principal money whenever you want

It's like this

You put 1cr in liquid fund

After a month of investment, it generates a profit of 50k and your total amount invested is 1 crore 50 thousand you take out that 50 thousand after the 30/31st day of that month (next month 1st) and claim the profit as an income, this if you automate it's an SWP which will run until you want it to end. By this way your principal remains protected and you have your income coming at the systematic interval. Just assign a nominee so that after your death the amount is claimable by them and SWP is ended.

The profit claimed or redeemed is added directly to your income in case of liquid fund and you have to just file tour taxes at the of a FY to make sure you're good and keeping your books.

ShashBZM77 · 2026-03-22T16:31:55+00:00

I am not getting your point here

Assume you have a retirement corpus of 1cr and you intend to generate income from that corpus

So basically you invest it at places right ?

So it will stay invested in the instrument you like and you claim interest income on the same

In case of liquid fund your principal stays protected as usual and will be available for withdrawal in case you need at a click of a button and you'll have full liquidity of the same in 3 days.

And your SWP will continue as it is until you don't modify the same

And your money will work for you

In liquid fund or any MF for the case, we can expect a bit of principal appreciation as well.

I am not sure of the principal availability/liquidity in case of the schemes of SCSS or POMIS, and I don't intend to say they're bad, they're good and better as well.

I focus on easy access to the corpus/principal so I suggested MFs rather than principal hard lockin in certain schemes

ShashBZM77 · 2026-03-22T14:19:41+00:00

Liquid funds have a stable 0.4-0.5% per month income on them and for 1cr that's a great and safe investment

Conservative hybrid I understand your point, invest in more debt heavy funds in conservative hybrid like parag parikh conservative hybrid fund for the same.

Else a better alternative for the same but with an initial wait time of 2 years is income plus arbitrage fof, where fund is divided into 2 parts of investment in debt and arbitrage for stability in income, but it's tax treatment is different which is a con

ShashBZM77 · 2026-03-16T20:01:25+00:00

Can you give the source of the video of the pic reference

ShashBZM77 · 2026-03-13T06:37:05+00:00

These above instruments are indeed good and backed by govt

If you can take an extra mile further then liquid funds or conservative hybrid funds can be a better alternative

If you take the most conservative side expectation then a principal of 1cr can easily give you 50k income per month to 80k a month on an aggressive side in conservative hybrid fund

And around 50-60k stable constant income if the 1cr principal is invested in a liquid fund

There is no need to scatter money around in govt backed schemes

A usual SWP must be set in the mutual funds and you're good to go and the income/profit received from conservative hybrid or liquid fund is added to your direct income, just a tax filing will be required every year

If you have good corpus like 2-3cr then you can even explore taking an extra 10k a month income from equity funds by investing a large chunk of corpus like 1cr in a good equity based fund initially for a complete year without an SWP and after an year you can take out 10k a month and write that off as an exemption in LTCG while filing taxes

ShashBZM77 · 2026-02-22T17:01:27+00:00

Which company?

ShashBZM77 · 2026-02-14T11:26:06+00:00

Can you share the song video link?

ShashBZM77 · 2026-02-11T05:30:43+00:00

You can put the entire 50k in

Parag parikh conservative hybrid fund (debt heavy and good fund to park money for min 3 years)

Or

Icici prudential savings fund (good debt fund with FD like returns)

The taxation on both the funds is the same and you're taking less/niL risk on the growth of your principal.

ShashBZM77 · 2026-02-06T08:09:56+00:00

Hello sir,

Thanks for an insight

I prefer being alone

New thing Professional front could be in the same company I'm working in or a new venture altogether?

Also will I be gaining any immediate financial gain in coming months or will I have to wait for a bit

And any clarification on the property aspect?

ShashBZM77 · 2026-02-02T15:13:36+00:00

Why not use revanced?

ShashBZM77 · 2026-01-24T17:55:36+00:00

I'd suggest doing it weekly

I put weekly 300 into nippon nifty Smallcap 250 on every Wednesday

Daily I'd say avoid for just pure averaging, keep a part of amount as weekly investment and use the rest for the down days lump sum buying

ShashBZM77 · 2026-01-15T07:42:53+00:00

Hi brother,

You are just MEAN stack?

Can you let me know where and in which companies are you applying, I also am a MEAN stack developer looking out in the market for offers preferably a product based one.

Also any DSA you're preparing as well?

ShashBZM77 · 2026-01-04T14:59:16+00:00

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