Chandan Kumar Dash | Saifu 財布

Building Saifu (財布, Japanese for wallet): free credit card and money tools for India. No sign-up, no ads. Also Founder,

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Tired of money websites that ask for your phone number first, then call you about a loan?

So I built one that doesn't.

https://t.co/J7GxQoGqjr

No sign up. No cookies. No ads. No calls.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Passo is live on the App Store: a passport you can stamp.

A private travel journal for iPhone. No account, no analytics. Your details stay on your phone, and a stamp only lands after you confirm an arrival.

Free: https://t.co/5DQ0ADtpHX

#indiedev #iOS #travel

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

@jain_harshit Just IMO as personally switched from Pro plan to Max 5x from last 2 months I am thinking it’s the most valuable investment on my own lol. So, yes if you are really building things then I would suggest it’s better to try Max 5x. This is my usage for this week.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Fusion CX GMP was ₹15 to ₹18 yesterday (unofficial), about 6% on ₹289, down from ₹55 on 9 Oct. I'll put today's actual NSE opening next to it on https://t.co/leakACdJig tonight.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

@moneycontrolcom For anyone bidding today: Jio's retail part was 0.73x after day 1, so it wasn't full yet. One lot is ₹13,428, up to 14 lots, and the UPI mandate has to be approved by 7 pm on 23 Oct.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Yesterday I added a guide to NPS Swasthya, the new NPS account that comes with a family health super top-up.

The details worth knowing before you sign up: it covers you, your spouse and 2 kids. Parents are not covered.

https://t.co/yVklmaOVsk

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Central Bank of India changes 69 service charges from 21 November.

ATM cash after the free limit: ₹23 + GST. Branch cash: 5 free per month, then ₹50 each. Demat: ₹300 to ₹500 a year.

The one that didn't change: still no minimum balance charge.

https://t.co/gm6MX9CwO6

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Bidding for Jio? One lot is 12 shares, ₹13,428 at the band top, and retail can go up to 14 lots.

Bid and approve the UPI mandate by 7 pm tomorrow, 23 Oct. Retail was 0.73x booked after day 1.

Allotment is due on 26 Oct; listing is on 28 Oct.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Jio IPO GMP is around ₹246 to ₹250 on day 2, about 22% over the ₹1,119 band top. It was ₹255 to ₹273 yesterday.

Zetwerk is the one to watch: its GMP slid from ₹30 on 11 Oct to ₹0, a day before it lists.

All live GMPs: https://t.co/zkmtiDcf7y

#IPOGMP #JioIPO

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

GMP is an unofficial grey market number, not a listing price, so I keep score of how close it gets.

HD Fire: GMP said +26%; it opened +24%. Fusion CX lists today, then Tonbo, Zetwerk, Bonfiglioli and Sahajanand tomorrow.

https://t.co/leakACdJig

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

@Paryan_Sharma HD Fire lists tomorrow. Its GMP was ₹61 to ₹65 on 19 Oct, down from ₹91 on 13 Oct, so it will be a good test of how far that number drifts before listing day.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

@ipo_mantra All four allot tomorrow (21 Oct) and list Friday. Zetwerk's retail part closed at 0.73x, so valid retail bids should get shares. Tonbo's retail was 31x, so there one lot is a lottery.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

@livemint For anyone bidding: Jio's lot is 12 shares (₹13,428 at the top), retail can go up to 14 lots, and the UPI mandate has to be approved by 5 pm on Friday 23 Oct. Allotment is expected Monday 26 Oct.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

@ETNOWlive Small but important: 22% is the grey market premium, an unofficial quote, not a listing gain. Only the opening price on 28 Oct tells you that. I'm tracking how close GMP gets for every mainboard IPO: https://t.co/leakACdJig

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Shipped on Saifu in the last two days: guides on the fake scheme ads I4C flagged, Muhurat trading timings, the LTCG review before Budget 2027-28, and Form 141 for TDS on rent.

And the "no open IPOs" message now shows in five Indian languages.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Fake government scheme ads are running on Facebook and Instagram with deepfake videos of the PM and CMs, I4C warned on Monday.

If a "scheme" asks you to pay a fee to get money, it's a scam. Lost money? Call 1930.

https://t.co/wUSYVI2Ewq

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Bidding for Jio? One lot is 12 shares, ₹13,428 at the top. Retail can go up to 14 lots (₹1,87,992).

Approve the UPI mandate by 5 pm Friday 23 Oct. Allotment is expected Monday 26 Oct, listing 28 Oct.

RIL shareholders as of 14 Oct get a separate quota too.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Jio IPO GMP was around ₹245 to ₹249 on Monday in the unofficial grey market, with bids opening Wednesday. Roughly 22% over the ₹1,119 band top.

Paras Healthcare opens the same day. Its GMP fell from ₹95 to ₹78 in a day.

https://t.co/zkmtiDcf7y

#IPOGMP #JioIPO

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

GMP is unofficial and moves daily, so I keep score: last GMP before listing vs the actual NSE open, for every mainboard IPO.

First result tomorrow, when HD Fire Protect lists. Its GMP was ₹61 to ₹65 on 19 Oct, down from ₹91 on 13 Oct.

https://t.co/leakACdJig

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

@EconomicTimes For retail: one lot is 12 shares, ₹13,428 at ₹1,119, and you can go up to 14 lots (₹1,87,992). Approve the UPI mandate by 5 pm on 23 Oct, or the bid won't be counted. Allotment is on 26 Oct.

[Chandan Kumar Dash | Saifu 財布 @ChandankDash]

Yesterday I added subscription status, allotment and listing pages for the big IPOs, in English and Hindi.

Jio's are up before bids open on Wednesday, and Zetwerk's went up this morning since it closes today.

https://t.co/KhtVVte59z