Adhil Shetty

CEO at @BankBazaar. Helping customers access the right financial products. My book on personal finance:

[Adhil Shetty @adhilshetty]

📊India’s GST revamp trims slabs to 5% & 18% (40% on luxury).

🛒 Essentials ease up.
🛡️ Insurance turns GST-free (earlier 18%).
💰 Example: ₹10L cover (~₹15K premium) saves ~₹2.7K/yr if passed on.

A breather for budgets, a push for protection.
#GSTReforms #Insurance

[Adhil Shetty @adhilshetty]

🏡Even the top 5% need 109 years of savings to buy a home in Mumbai.

Homeownership remains a top aspiration, as per the BankBazaar Aspiration Index. Loans help, but interest can nearly double your cost.

✅To cut costs, prepay early and keep your credit score strong. #homeloans

[ET Brand Equity @ETBrandEquity]

🧩 Friction kills funnels.

Arjun Shetty keeps it clean, smooth, and conversion-ready.

🎥 Watch the video

Want to join The Big Leap Collective | Bangalore? Click to register: https://t.co/S5cv1zAFPi

#TheBigLeap #CustomerJourney #FunnelFix #UX #Growth

[Neelanjit @neelanjitdas]

#news SBI Cards, the credit card company of State Bank of India (SBI) has revised its minimum amount due (MAD) formula with effect from July 15, 2025. As per the new formula, those with higher outstanding balances need to pay a higher MAD. But one good aspect about this new MAD formula is your charges and fees will be paid in full, so unlike earlier they will not get compounded with time.

The new MAD calculation includes 100% of GST, 100% of EMI amount, 100% of fees/charges, 100% of finance charges, any overlimit amount, and 2% of the remaining balance outstanding.

The old calculation method for minimum amount due (MAD) includes the total GST, EMI amount, 100% of fees and charges, 5% of the finance charge, retail spends, and cash advance, as well as any overlimit amount.

Read the story to know more about how it impacts SBI Card credit card users.

With excellent inputs from Adhil Shetty

BankBazaar India

https://t.co/yPB0PwwLLP

[Adhil Shetty @adhilshetty]

RBI has kicked off a borrower-friendly cycle:

🔸 Repo rate down 1% since Feb to 5.5%
🔸 CRR cut to release ₹2.5L crore liquidity
🔸 Repo-linked EMIs may drop soon

Even a 1% rate cut adds up. Check the table 👇to see what it means for your loan.
#ratecut #loans

[Adhil Shetty @adhilshetty]

Thrilled to partner with @MuthootIndia @mflone_
to launch digital gold loans!

This collaboration merges Muthoot FinCorp's trusted legacy with @BankBazaar's extensive reach, giving millions of Indians access to faster & more secure credit. #GoldLoan

[Adhil Shetty @adhilshetty]

The power of listening is actually the power of getting heard.

[Adhil Shetty @adhilshetty]

📉 Market fluctuations can test our convictions.
But here’s the thing—bulls and bears come and go. What matters is how you ride it out.

Buy right. Sit tight. Diversify smartly.
Are you sticking to your long-term plan?
#Investing #AssetAllocation

[Adhil Shetty @adhilshetty]

🚨 A new fraud tactic is making the rounds! Someone may claim they “accidentally” sent you an OTP and ask you to share it. But that code could let them take over your WhatsApp. ❌ Never share OTPs—stay safe! #CyberSecurity #ScamAwareness

[Adhil Shetty @adhilshetty]

"How many credit cards should I have?" The answer to that isn't a number, but how you use them. Here's why 👇 #creditcardtips #creditscore

[Adhil Shetty @adhilshetty]

👉Good news, salaried folks! The new tax regime (now default) has been revised and now offers higher tax-free income. Depending on your finances, you could save up to ₹9,533 per month. Are you switching or sticking? #IncomeTax #money

[Adhil Shetty @adhilshetty]

Tough conversations aren’t easy, but how you start them makes all the difference. Instead of blaming, try leading with ‘I’—what I did, how it affected me, & how we move forward. A great takeaway from Difficult Conversations by Patton, Stone & Heen. How do you handle tough talks?

[Adhil Shetty @adhilshetty]

📌 Save this!

With rate cuts on the horizon, the question is: When will my home loan rate drop?

It depends on when and where you took your loan.

For quick, automatic rate cuts at no cost, your loan must be repo-linked from a bank. #HomeLoan #InterestRates

[Adhil Shetty @adhilshetty]

Good news for the middle class!

Starting April 1, higher tax savings + lower loan rates = more money in your pocket.

If you earn ₹10L–₹50L & have a home loan (2x salary), you could save ₹53K–₹1.6L this year.

#TaxSavings #HomeLoan #FinancialYear

[Adhil Shetty @adhilshetty]

Forex fluctuations can hit hard, especially for students abroad with education loans.

One way to tackle this? Pay more than the minimum!

Small extra payments early on can make a huge difference in becoming debt-free faster. 💪

[Adhil Shetty @adhilshetty]

Can someone volunteer and point out what all could go wrong when you avail of this service? 😄

(Pic by kris_hne on r/CreditCardsIndia)

[Adhil Shetty @adhilshetty]

Welcome to the team! Wishing you all the best as you start this exciting journey with us. Looking forward to great things ahead!

[MAHI - Infinity Plus @MahilMass]

Yesterday Is My Happiest Day in My Life

Got Placed in @BankBazaar 🔥✅

Hard Work Never Fails

[Adhil Shetty @adhilshetty]

Credit scores will now be uniform (300-900) across bureaus; data reporting by banks will now happen once in 14 days, and consumers will be paid ₹100 per day after 30 days of unresolved complaints.

[Adhil Shetty @adhilshetty]

Savings of ₹250,000.
Salary of ₹68,000.
EMIs are much higher than the salary.

What advice would you offer OP on managing their sizeable debts?
#PersonalFinance #DebtManagement

(Image: r/CreditCardsIndia)

[Adhil Shetty @adhilshetty]

7/ RBI encourages banks to collaborate on https://t.co/mNIrnpNYzt for broader adoption. This is part of a bigger push, including hackathons, to combat financial fraud across India!

Let’s stay ahead of fraud together!
#Innovation #BankingRevolution

[Adhil Shetty @adhilshetty]

Meet https://t.co/mNIrnpNYzt! RBI’s new AI tool fights mule accounts and financial fraud with faster detection and fewer false alarms. A crucial step for securing India’s booming digital economy!

Thread below! 👇
#AI #FinTech #digitalpayments

[Adhil Shetty @adhilshetty]

6/ Impact

https://t.co/mNIrnpNYzt strengthens cybersecurity & boosts trust in the financial system. It’s helping smaller banks adopt cutting-edge fraud detection, fostering collaboration across the banking and fintech ecosystem.
#FinTech #CyberSecurity