sachin arora

[Akash @ccg33k]

New Offer: Insta Deals by SmartBuy GyFTR!

Since multiplier purchases on GyFTR are capped at ₹22,500 by the new
3,000-point limit, GyFTR has added a new option: buy gift cards at an
extra discount by giving up the multiplier.

The feature is live at https://t.co/Opq4L2LFWJ

For example:

Myntra GVs were 5X + 0% discount, but you can now get them at 4%
discount + base reward rate. (You should never by buying Myntra on multipliers as its a 5x shopping partner via smartbuy)

Flipkart is available at 5% discount + 1X rewards, but there is a
convenience fee of 2.5% (plus GST).

Here is the full list of brands and the discount via Insta Deals over
the 5X.

[Note: the listing below is the extra discount you get if you choose
1X rewards with Insta Deals, over buying at 5X]

Blinkit Gift Card: 1%
Vijay Sales: 1%
Zomato Gift Card: 1%
Amazon Fresh: 1.5%
BigBasket: 1.5%
UBER: 1.5%
Croma.: 2%
FUTURE WORLD - APPLE RESELLER: 2.5%
Points for Good: 2.5%
Swiggy Money Voucher: 2.5%
Zepto: 2.5%
Helios: 3%
Decathlon: 3.5%
Spencer's Retail: 3.5%
Fashion Factory: 4%
Myntra: 4%
AJIO: 4.5%
Ajio Luxe: 4.5%
Reliance Trends Footwear: 4.5%
Skechers: 4.5%
Paul Smith- Luxe Gift Card: 5%
Abraham & Thakore- Luxe Gift Card: 5%
Adidas Kids-Luxe Gift Card: 5%
Air India: 5%
Amazon Shopping Voucher: 5%
American Tourister: 5%
Armani Exchange-Luxe Gift Card: 5%
Bally-Luxe Gift Card: 5%
Barbeque Nation: 5%
Bo TAi: 5%
BOTTEGA VENETA- Luxe Gift Card: 5%
Brooks Brothers -Luxe Gift Card: 5%
Canali- Luxe Gift Card: 5%
CHARLES TYRWHITT- Luxe Gift Card: 5%
Cinepolis: 5%
Cleartrip: 5%
Coach-Luxe Gift Card: 5%
Diesel- Luxe Gift Card: 5%
Dune-Luxe Gift Card: 5%
EA-7- Luxe Gift Card: 5%
Emporio Armani- Luxe Gift Card: 5%
Farzi Cafe: 5%
FERRAGAMO- Luxe Gift Card: 5%
Flipkart Gift Card: 5%
GAS-Luxe Gift Card: 5%
Giorgio Armani- Luxe Gift Card: 5%
H BY HAMLEYS- Luxe Gift Card: 5%
Hamleys-Luxe Gift Card: 5%
Hugo Boss-Luxe Gift Card: 5%
Hunkemoller- Luxe Gift Card: 5%
JIMMY CHOO- Luxe Gift Card: 5%
Kate Spade- Luxe Gift Card: 5%
KFC: 5%
La Martina- Luxe Gift Card: 5%
Levis: 5%
Luxe Gift Card: 5%
Made In Punjab: 5%
MAJE- Luxe Gift Card: 5%
MakeMyTrip e-Pay: 5%
Mango: 5%
Marks & Spencer: 5%
Masala Library: 5%
Michael Kors-Luxe Gift Card: 5%
Mothercare-Luxe Gift Card: 5%
MUJI- Luxe Gift Card: 5%
Nautica: 5%
NEXT: 5%
Pa Pa Ya: 5%
PAUL SHARK- Luxe Gift Card: 5%
Pottery Barn- Luxe Gift Card: 5%
Pret A Manger-Luxe Gift Card: 5%
RITU KUMAR- Luxe Gift Card: 5%
ROWAN- Luxe Gift Card: 5%
Sandro-Luxe Gift Card: 5%
Satya Paul Accessories- Luxe Gift Card: 5%
Satya Paul- Luxe Gift Card: 5%
Scotch & Soda -Luxe Gift Card: 5%
Steve Madden-Luxe Gift Card: 5%
STYLE BAAZAR: 5%
Sunglass Hut- Luxe Gift Card: 5%
SUPERDRY SPORT- Luxe Gift Card: 5%
Superdry-Luxe Gift Card: 5%
Swan: 5%
The White Crow-Luxe Gift Card: 5%
Titan Eye Plus: 5%
TODS- Luxe Gift Card: 5%
TORY BURCH- Luxe Gift Card: 5%
TUMI- Luxe Gift Card: 5%
VALENTINO- Luxe Gift Card: 5%
VERSACE- Luxe Gift Card: 5%
VILLEROY AND BOCH- Luxe Gift Card: 5%
WEST ELM- Luxe Gift Card: 5%
What's Up Wellness: 5%
William Penn: 5%
Affinity - Luzo Gift Card: 5.5%
Bblunt - Luzo Gift Card: 5.5%
BIBA: 5.5%
Bounce - Luzo Gift Card: 5.5%
Bubbles - Luzo Gift Card: 5.5%
Costa Coffee: 5.5%
Crossword: 5.5%
Cut & Style - Luzo Gift Card: 5.5%
Enrich - Luzo Gift Card: 5.5%
Fastrack: 5.5%
Fastrack Bags: 5.5%
Fastrack Smartwatches: 5.5%
Geetanjali - Luzo Gift Card: 5.5%
Health & Glow: 5.5%
Ixigo: 5.5%
Jawed Habib - Luzo Gift Card: 5.5%
JCB - Luzo Gift Card: 5.5%
JioHotstar: 5.5%
Klook: 5.5%
Liberty: 5.5%
Liberty Online: 5.5%
LUZO - Salons, Spas, Clinics: 5.5%
OLA CABS: 5.5%
Pizza Hut: 5.5%
Rangriti: 5.5%
Skinn: 5.5%
Snitch: 5.5%
Solara: 5.5%
Taneira: 5.5%
Tim Hortons: 5.5%
Titan: 5.5%
Titan Minimals: 5.5%
Titan Smartwatches: 5.5%
Urban Space: 5.5%
Wildcraft: 5.5%
Allen Solly: 6%
American Eagle: 6%
DPauls Travel & Tours: 6%
HealthKart: 6%
Louis Philippe: 6%
Manyavar: 6%
PANTALOONS: 6%
Peter England: 6%
Samsonite: 6%
Simon Carter: 6%
Tasva: 6%
Van Heusen: 6%
Absolute Barbeque: 6.5%
Apollo Pharmacy: 6.5%
Behrouz Biryani: 6.5%
Cafe Delhi Heights: 6.5%
Cleartrip Hotel: 6.5%
EatSure: 6.5%
Faasos: 6.5%
KALKI: 6.5%
Lunch Box: 6.5%
Mac: 6.5%
Neemans: 6.5%
Oven Story: 6.5%
Philips: 6.5%
Relaxo: 6.5%
Sweet Truth: 6.5%
TATA CLiQ: 6.5%
Tata CliQ Luxury: 6.5%
The Good Bowl: 6.5%
Wellbeing Nutrition: 6.5%
Wendy's: 6.5%
Wow!Chicken: 6.5%
Wow!China: 6.5%
Wow!Momo: 6.5%
DUROFLEX: 7%
Me N Moms: 7%
ORGANIC INDIA: 7%
Pharmeasy: 7%
Pigeon: 7%
Porter Packers and Movers: 7%
V Mart: 7%
Adventra: 7.5%
ALDO: 7.5%
Aliste: 7.5%
Amazon Prime Membership: 7.5%
APOLLO DIAGNOSTICS: 7.5%
Archies Gallery: 7.5%
Assembly: 7.5%
Aurelia: 7.5%
Auric: 7.5%
Bakingo: 7.5%
Baskin Robbins: 7.5%
Bata: 7.5%
Bath & Body Works: 7.5%
Beer Cafe: 7.5%
Beyoung: 7.5%
Blissclub: 7.5%
Call it Spring: 7.5%
Campus: 7.5%
Cello: 7.5%
CHARLES & KEITH: 7.5%
Chumbak: 7.5%
Citizen Watches: 7.5%
CLAYCO: 7.5%
ColorPlus: 7.5%
Columbia Sportswear: 7.5%
Cordelia: 7.5%
Daily Objects: 7.5%
Discovery Plus: 7.5%
DOMINO'S: 7.5%
EaseMyTrip Generic: 7.5%
EaseMyTrip Holiday: 7.5%
EasyBuy: 7.5%
Elivaas: 7.5%
Estele: 7.5%
Fab Hotels: 7.5%
Femmella: 7.5%
Ferns N Petals: 7.5%
FITPASS: 7.5%
Flower Aura: 7.5%
Foxtale: 7.5%
Freecultr: 7.5%
French Accent: 7.5%
FRIDO: 7.5%
Gaana: 7.5%
Hammer: 7.5%
Haute Sauce: 7.5%
Healthians: 7.5%
Hidesign: 7.5%
Himalaya Wellness: 7.5%
Hindustan Times Premium: 7.5%
Hoichoi: 7.5%
Home Centre: 7.5%
Home Centre Online: 7.5%
Hoora: 7.5%
Hush Puppies: 7.5%
IGP: 7.5%
Inglot: 7.5%
Instafab Plus: 7.5%
ITC Hotels: 7.5%
ixigo hotel: 7.5%
Jockey: 7.5%
Kama Ayurveda: 7.5%
Kimirica: 7.5%
Lifestyle: 7.5%
Lifestyle Online: 7.5%
Lionsgate Play: 7.5%
Live Hindustan: 7.5%
Live Mint: 7.5%
Lohono Stays: 7.5%
Machaan: 7.5%
Mainland China: 7.5%
MakeMyTrip Holiday e-Pay: 7.5%
MakeMyTrip Hotel e-Pay: 7.5%
Matrix: 7.5%
MAX: 7.5%
Max Fashion Online: 7.5%
Mediwheel: 7.5%
Nat Habit: 7.5%
Nestasia: 7.5%
Netmeds: 7.5%
Nua Woman: 7.5%
Oh! Calcutta: 7.5%
Park Avenue: 7.5%
Parx: 7.5%
Prestige: 7.5%
Pronto: 7.5%
Puma: 7.5%
Pure Home + Living: 7.5%
PVR INOX: 7.5%
R&B: 7.5%
Raymond - Ready to Wear: 7.5%
ShemarooMe: 7.5%
Skullcandy: 7.5%
Smile Foundation: 7.5%
Soch: 7.5%
Soulflower: 7.5%
Speedo: 7.5%
SSUNSU: 7.5%
Starbucks: 7.5%
Subway: 7.5%
Superbottoms: 7.5%
Sweet Bengal: 7.5%
Taj Experiences: 7.5%
Taj Hotels J Wellness Circle: 7.5%
Tattva Spa: 7.5%
TGIF: 7.5%
The Man Company: 7.5%
The Raymond Shop: 7.5%
Timezone: 7.5%
TRUEFITT & HILL: 7.5%
Typsy Beauty: 7.5%
VICTORIA'S SECRET: 7.5%
VICTORIA'S SECRET BEAUTY: 7.5%
Vinzberry: 7.5%
VROTT: 7.5%
W: 7.5%
Westside: 7.5%
Wonderchef: 7.5%
Woodland: 7.5%
https://t.co/xOrD62F9ht: 7.5%
Zee5: 7.5%
Zoomcar: 7.5%
Zouk: 7.5%
Bobbi Brown: 9%
Home Stop: 9%
LENSKART: 9%

Wow, if you read till here, What do you guys think about this feature?

[IPO Investor Academy @IPO_ACADEMY]

📢 Augmont Enterprises Ltd MainBoard IPO

👉 Allotment Link :
https://t.co/AvUr7fJhmq

Latest GMP : +40%

Allotment will be out tomorrow...

Best of luck 💥💥

[sachin arora @sarora04]

@ProfessorCardz Benifit Sir - pls

[sachin arora @sarora04]

@YourCardJourney Simply wow

[sachin arora @sarora04]

@YuvrajShah02 Jhakkas ❤️

[Vaibhav Joshi @InvestWithJoshi]

I was looking at the heavy volumes and price movement in PC Jeweller lately.

Stock rallied 10%+ today to ₹11 with strong volumes.

Up from its 52-week low of ₹7.47. So I thought let me study what's actually happening here.

The turnaround looks legit. In September 2024, they owed ₹3,466 Cr to 14 banks.

Default status. CRISIL D rating.

Today?

8 banks fully settled. 96% of remaining debt discharged. Management guiding 100% debt-free by September 2026.

Let's talk about how the deal is actually looking.

━━━━━━━━━━━━━━━━━━━━

The descent was brutal.

→ SEBI insider trading charges on MD Balram Garg (2018). Market barred. Institutional trust destroyed.

→ Export business turned toxic. ₹1,512 Cr stuck in foreign receivables. ₹265 Cr provisioned as ECL. Auditor qualifications every year.

→ ₹3,466 Cr debt to 14 banks. Default status. No working capital. Showrooms couldn't stock inventory.

Stock crashed from ₹500+ (2018) to under ₹10. Market cap from ₹25,000 Cr to under ₹1,000 Cr at the bottom.

━━━━━━━━━━━━━━━━━━━━

Then the tide turned.

April 2022: Supreme Court set aside the insider trading order. Ruled SEBI failed to produce foundational facts. Governance overhang lifted.

September 2024: Joint Settlement Agreement signed with all 14 banks.

The execution velocity shocked everyone:
→ July 2026: 5 banks cleared
→ August 2026: 8 banks done
→ Remaining 6: 96% already discharged

CFO guidance: 100% debt-free by end of Q2 FY27.

━━━━━━━━━━━━━━━━━━━━

How did they fund this?

₹2,702 Cr raised through preferential warrants. 93% collection. Promoter-led Balram Garg and family converted warrants into equity multiple times. Stake now at 28.62%.

₹1,000 Cr QIP just approved by shareholders for post-debt working capital.

━━━━━━━━━━━━━━━━━━━━

FY25 was the turnaround year.

→ FY25 Net Profit: ₹577.70 Cr (vs loss of ₹629 Cr in FY24)
→ Q1 FY27 Revenue: ₹877 Cr (+21% YoY)
→ Q1 FY27 Net Profit: ₹222 Cr (+37% YoY)
→ Operating Profit (ex other income): ₹213 Cr (+168% YoY)

That 168% jump? What happens when finance costs go from ₹505 Cr (FY24) to near-zero.

60 showrooms. 4 manufacturing units. Once debt-free, normal Gold Metal Loans resume. Inventory gets restocked.

━━━━━━━━━━━━━━━━━━━━

The risks are real.

→ Auditor qualifications persist. ₹183 Cr export discounts unapproved. ₹265 Cr ECL on receivables. Mutual funds hold just 0.10%.

→ Brand damaged during distress years. Competitors gained ground.

→ Stock down 26% over past year even with turnaround news. Market still skeptical.

━━━━━━━━━━━━━━━━━━━━

PC Jeweller vs P N Gadgil: The Verdict

Both trade at similar market caps (~₹9,000-10,000 Cr). But the profiles are completely different.

P N Gadgil is the cleaner bet. And I lean toward PNG.

→ 46% same-store sales growth in Q1 FY27. Not normal. That is active market share theft from unorganized jewellers.

→ Q1 FY27 Net Profit: ₹105 Cr (+52% YoY). Clean, consistent compounding.

→ 20%+ ROE. Zero legacy baggage. No auditor qualifications. No regulatory clouds.

→ 192-year brand dominance in Maharashtra. Trust is earned over generations, not rebuilt overnight.

→ Asset-light FOCO model scaling into Tier 2/3 cities. 78 stores today, 25 more this year.

→ Just approved acquisition of Silvostyle Jewellers for silver segment expansion.

→ Stock at ₹610, trading at ~19x P/E for 30%+ growth. Classic GARP with room for re-rating.

PC Jeweller is the turnaround gamble.

→ Debt going from ₹3,466 Cr to zero is impressive execution.

→ ~13x P/E with operating leverage ahead.

→ But legacy issues linger. Auditor qualifications. Brand rehabilitation needed. Institutional investors staying away.

→ Higher reward if thesis plays out. Higher risk if execution stumbles.

━━━━━━━━━━━━━━━━━━━━

My take: PNG has no baggage. Growth is already firing. QIP capital funds the expansion playbook . The compounding machine is running clean.

PCJ is interesting if you want asymmetric upside on a turnaround where 90% of the hard work is done. But the legacy overhang means you're taking execution risk that PNG investors simply don't face.

For most portfolios, PNG is the answer. PCJ is for those with higher risk appetite and conviction that the final 10% gets done cleanly.

Save this. Come back after Q2 FY27 results.

Not advice. Do your own work.

Disc: Tracking both.

[Kartik | Travel & Finance Writer @KartikDiscovers]

Either PNB is high, or Accor Gold + Club Marriott memberships are coming to RuPay EKAA Credit Cards. 👀

[sachin arora @sarora04]

@the_avid_trader Once u get the points - put both the card in drawer :)

[Card Buzz @cardzbuzz]

🚨 PNB RuPay Select Imperial Debit Card - hidden value monster? 👀💳

💰 ~ ₹52,500 per year (17.5k per card)

Calculation per card/year below:
Shopping/Health & Lifestyle Vouchers 💰

🛒 Bigbasket: ₹250 × 4 = ₹1,000
🛒 Decathlon: ₹500 × 4 = ₹2,000
🛒 Myntra: ₹500 × 4 = ₹2,000
🛒 Reliance Digital (Offline): ₹500 × 4 = ₹2,000
💍 Kalyan Jewellers: ₹2,000 × 2 = ₹4,000

🎬 OTT (Annual – choose 1)
• Amazon Prime OR JioHotstar (~₹1,499 value)

💆‍♀️ SPA / Salon
• 1 session per half-year (2/year) ₹1,500 × 2 = ₹3,000

🧬 Medical Check-up
• Once/year (SRL Diagnostics / Thyrocare)
• Assumed value: ₹1,000
💊 Apollo Pharmacy
• ₹250 × 4 = ₹1,000/year

📌 Excludes lounge access, gym, BookMyShow value in the above calculation 👀
📌 Based on current T&Cs DYOR

Check 🧵or DM for more details.

[Luxe Indian Point Explorer @luxe_explorer]

🚨 READY RECKONER: How to Pay Your Credit Card Bill Directly via UPI 💵

For some issuers, you can simply enter the card-specific UPI ID and pay directly from any UPI app.
💡Very Useful when BBPS is down/ not working 👇

1️⃣ Axis Bank
---

cc.91<10-digit registered mobile><last 4 CC digits>@axisbank

Example:
cc.9198123456781234@axisbank

⏱️ Clearance can take up to 2 working days.

2️⃣ ICICI Bank
---

ccpay.<10-digit registered mobile><last 4 CC digits>@icici

Example:
ccpay.98123456781234@icici

Can be paid using any UPI-enabled app, including from a non-ICICI bank account.

3️⃣ American Express
---

AEBC<15-digit Amex Card Number>@SC

⚠️ Use the complete 15-digit card number starting with 34 or 37.

Amex says payments should be initiated before 5 PM for next-day credit, excluding Sundays & banking holidays.

4️⃣ IDFC First Bank
---

Format:
<16-digit CC Number>.cc@idfcbank

Example: 1234567890123456.cc@idfcbank

⏱️ TAT: Up to 2 working days

5️⃣ AU Bank
---

Format:
AUCC.<Mobile Number><Last 4 Digits>@AUBANK

Example: AUCC.99999999994444@AUBANK

⚠️ Mobile Number should be same as registered with the Bank/Card.

⏱️ TAT: Instant payment as per AU's payment page, however, allow time for the payment to reflect on the card account.

6️⃣ SBI Card
---

The old format:
sbicard.<CC Number>@sbi
❌ Doesn't work anymore for direct UPI bill payment.

What about the others?
---

🏦 HDFC / IndusInd / Bank of Baroda / Kotak

➡️ UPI is supported, but no current official card-specific CC VPA verified.

⚡ Quick Tip
---

Before hitting Pay, ALWAYS verify the recipient/cardholder name shown by the UPI app.

Save this Credit Card × UPI cheat sheet - it can come in handy when you need to make a direct payment quickly. 🔖

#CreditCards #UPI #CreditCardHacks

[Abhishek Mehta | AMFI REG @imAbhishek9596]

All Tonight IPO allotment Links :

Behari Lal Engineering Ltd (MAINBOARD) Allotment

Link 🔗
https://t.co/XiY3okoQ3m

Shiprocket Ltd (MAINBOARD) Allotment Expected Tonight

Link 🔗
https://t.co/xmdkvTHCCm

Pramodini Medicare Ltd. (NSE SME) Allotment Expected Tonight

Link 🔗
https://t.co/BYzs1nEl8n

[sachin arora @sarora04]

@YuvrajShah02 Guide

[Satish Kumar Agarwal @iSatishAgarwal]

🚨How to know Email of your SBI Branch 😎

📨"PVB" is just an Email away 🤩

✨If your branch IFSC code is: SBIN0017313

📩[email protected]
i.e.
📨Email ID will be--
sbi.last 5 digits of [email protected]

Like ❤️ n Repost ♻️ if useful
#DebitCard #DCgeeks #SBI #PVB

[Satish Kumar Agarwal @iSatishAgarwal]

🏨👑Taj Palace New Delhi 🪄

🪵Mughal inspired accents (e.g. Jali woodwork)
🛤️Main entrance like an elevated Lobby level
🕯️Chandeliers graciously Welcome YOU as you walk along stepped Stairways to Reception

📍🏨Near Chankyapuri Diplomatic Enclave

➕Upgraded to "TAJ Club Room" 🤩
➕Used "AMEX TAJ Voucher" flawlessly 💥
➕Pros & Cons ⚖️

Let's read the TAJness👇

[sachin arora @sarora04]

@iSatishAgarwal Another learning would be that you redeem all ur milestone benefits even before raising upgrade request…as after an upgrade smartbuy portal will not accessible with old card (upgraded card is inbuilt active card)

[sachin arora @sarora04]

@HDFCBank_Cares How can i change my RM…escalation done to RM bosses but they are the same too…

[sachin arora @sarora04]

@jatinsapra @SartanparaYash Pls share details

[Professor Cardz @ProfessorCardz]

💩Let me call out HSBC a bit here. I don't have 40000 HSBC Points for my Travel One Card because I cannot use this card with its poor reward rate.
Video https://t.co/HLl2hZFp9x

👉40000 HSBC RP with Travel One will take 2L Spends Normally and with 4x partners it will be 10L spends.

👉Maximise provides better transfer ratio with Accor as of now over and above the Card RP's.

👉You cannot use its rewards multiplier because its inflated prices are 30-50% more than direct offers.

👉Planning to close this card as soon as I have Live+

👉However the video about it is live and my thoughts with it...

#hsbc #accor #bonus

[sachin arora @sarora04]

@EvryPaisaMatter Any idea for NPS MCC?

[sachin arora @sarora04]

@CreditCruze sir pls chk dm