HK

[HK @KarmaWaala]

@KiaInd @KiaInd is there any update, I have shared my details already in DM.

[HK @KarmaWaala]

@KiaInd I have booked my Kia Seltos on 16th April with Automotive Kia, Hyderabad. It has been almost 10 weeks now & still there is no clarity on the vehicle. First they gave me dented vehicle when raised during PDI they said they will get other vehicle.
But no update since then.

[HK @KarmaWaala]

@KiaInd I have shared the details. Kindly update at the earliest.

[HK @KarmaWaala]

@volklub paaji please help highlighting this issue.
Many folks are waiting and suffering these long waits and random price hikes.

[HK @KarmaWaala]

@moneyworks4u_fa I have tried.
Kerala chips, eggs & few other things. They are decent.

[Sandeep Kulkarni @moneyworks4u_fa]

What happens when you stop your SIP during a bear market just because the portfolio XIRR is looking low.

We analysed real SIP data from October 2017 to November 2025 — eight years, three equity funds, ₹10,000 SIP each month.
And when you look at this period, you see one clear truth: markets will keep testing you, but SIPs reward those who stay consistent.

2018 had LTCG tax, the NBFC crisis, and global tensions — the first dip.
2019 was a slow, grinding year where confidence fell.
2020 brought the Covid crash — the steepest fall on the chart.
2021 had another wobble with the second Covid wave.
2022 came with inflation, rate hikes, and the Russia–Ukraine war.
2023 saw volatility from global yields, corporate news, and FII selling.
2024 had healthy corrections because valuations were high.
2025 faced growth worries and foreign selling, leading to a long drawdown.

Through all this, XIRR jumped up and down in the early years.
This is where most people panic and doubt their SIPs.

But SIPs were never meant to perform in 6–12 months.
As more instalments go in and more cycles get absorbed, the impact of any single crash reduces.
When you zoom out, the long-term returns become strong and stable.

Short-term noise means nothing.
Long-term compounding means everything.
Stay consistent — that’s how wealth is built.

[HK @KarmaWaala]

@moneyworks4u_fa Ok. Thanks for confirming.

[HK @KarmaWaala]

@DoBaniye I have hsbc T1, can I book using that?
Also is it good idea to book via airline site or via travel portals like cleartrip makemytrip? As I will get some off on HSBCT1

[HK @KarmaWaala]

@MagnifyClub @DoBaniye I have travel one hsbc, how can I maximize my rewards if i want to book?

[HK @KarmaWaala]

@manmathamn57 @Prakashplutus Sir mentioned that Last 13 months return is Zero. What else do you call a sideways market?

[Abid Hassan 🇮🇳 @abidsensibull]

10 Crore is a huge number. 20 Crore is an even bigger life-changing number that one can only be grateful for. In a country like ours, it is not a normal or baseline expectation - even for the upper middle class. It’s great if you hit it, but it’s alright if you have not figured out how, yet.

I despise many things about the new age crop of influencers that mushroomed after COVID. But my number 1 problem is that they talk about these huge numbers like it is nothing - casually - like it is a 500 Rs note. And why do they do that? To make you feel bad, insecure, and inadequate. Why? Because they have their courses to sell, peddling greed and insecurity, promising you that you can achieve financial freedom like they did. Most of them did not achieve financial independence - that is a different story. Because, let us face it, why would people who achieved financial independence sell 5000 Rs courses, or keep DM open for crypto, and other fraudulent pump and dump collabs? Why not just retire and live a good life?

Anyway, why do I hate it?
- For starters, like I said, it is playing on insecurities. It’s great if you have your 10 crores, or 20 crores, or figured out how to get there. Most people don’t, and it is alright. But making people feel inadequate or ashamed of hitting these overwhelmingly huge numbers is outright wrong
- Life is a long game. A very young person is better off deep diving into his or her competence, and upskilling, and doing some world-changing shit. Not doing this 10-hour masterclass worth 1 Lakh rupees for putting some 20,000 Rs SIP in some flexicap fund. Or selling some stupid time-based option strategy. And definitely not this credit card optimization bullshit. No one got rich doing that. By obsessing about this madness, many people lose track of their main career
- Finally, it is scammy. They are making you feel insecure and anxious about future, inadequate, and bad about yourself to sell their stuff.

So if you have not hit the number or figured out the way how to, do not worry. Do not compare yourself with others who have - it will only affect your mental health and make you anxious and worse off. Focus on learning, upskilling, living in the present, making the best of it, and most importantly, having a good life.

Because, as cliched as it sounds, it is about the journey, and not the destination.

[HK @KarmaWaala]

@Finance_Weights @realhyderabad86 Hi there
Could you please share the details with me as well?
I really need some help on this.
Appreciate it.

[HK @KarmaWaala]

@Savesage_club I seriously dont understand why team is not able to reply. Or you do pick n choose while responding?
I registered to the app thought to utilize other offerings late. But definitely not doing that now.

[HK @KarmaWaala]

@Savesage_club Do I still earn cashback on HSBC Debit card if I pay live+ credit card bill through it using save sage app?

[HK @KarmaWaala]

Could you please confirm if the MCC is still same and is it still working? @Savesage_club

[HK @KarmaWaala]

Hi bro @ccg33k is it still working for Hsbc, if you could please confirm.

[HK @KarmaWaala]

Is hsbc one still working?

[Akash @ccg33k]

🚨SaveSage app now supports CC bill payments with MCC that gives returns on DCs but...!

🎁SaveSage app has added feature to pay CC bills with Debit Card and they've a MCC which is not excluded on DC BUT the convenience fees is 1% ++ - It works out best for those who're not able to use their DCs with 3%-5% returns like HSBC/Kotak/ex-Citi, Axis DCs/ RBL Enterprise DCs - who don't have any other option as of now! The MCC code is 7392. (UPI is also available and is free)

💎 Bonus: Pay your first credit card bill via the SaveSage app and enjoy one month of Premium features free!

Get App here 🔗 : https://t.co/9jlIvK5ZVq

Also, the founder @ashishlath has promised to bring down convenience fees if they get volume so they're able to negotiate lower MDR with the Payment Gateway🤞

Looking forward to use it with my HSBC DC, couldn't make any payments last month due to lack of platforms, happy to get something to use those juicy HSBC DC cashbacks! 💰

Do you guys have an alternate strategy ? Let us know in comments or DM 😉

#CCGeek #DCGeek #CreditCardBillPayment @Savesage_club

[HK @KarmaWaala]

@moneyworks4u_fa Sir, Your calls reflect how good you must be shaping your clients portfolio. I wish I had good liquid cash in hand to take your services. :(
Hats off.