RupeeTalks- Andromeda Loan and Wealth Advisor

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06/08/2026

Know the Interest Type:-

Always check whether the loan uses Flat Interest or Reducing Balance Interest.
Flat interest is calculated on the original loan amount throughout the loan tenure.But in others intrest calculated on Reducing Principal.

05/08/2026

Learnings & Promises:-

Remember When You Invest for Wealth

1. Learn Continuously
Learning: The more you learn, the better your financial decisions.
Promise: We commit to provide knowledge that empowers you always.

2. Start with a Plan
Learning: A clear plan today leads to financial freedom tomorrow.
Promise: We promise to help you plan smart and stay on track.

3. Invest Consistently
Learning: Small, consistent steps create massive wealth over time.
Promise: We promise to guide you to build discipline and grow steadily.

4. Manage Risks Wisely
Learning: Smart investors protect their capital and future.
Promise: We promise to help you understand risks and make wise choices.

5. Be Patient
Learning: Wealth is built over time, not overnight.
Promise: We promise to stay with you on your long-term wealth journey.

6. Reinvest & Compound
Learning: Let your money work and grow for you.
Promise: We promise to show you opportunities that multiply your wealth.

7. Think Big, Stay Humble
Learning: Big goals with the right mindset create lasting legacy.
Promise: We promise to support you in achieving your dreams with integrity.

Our Promise
We are committed to empowering you with the right knowledge, tools, and support to help you build, protect, and grow your wealth.

Your success is our mission.

04/08/2026

Big dreams don't need a big start—they need consistent investing.
💰 Start Small: Invest as little as ₹500 every month.

📈 Power of Compounding: Your money earns returns, and those returns earn more returns over time.

⏳ Long-Term Wealth Creation: The longer you stay invested, the greater the growth potential.

🎯 Achieve Financial Goals: Whether it's buying a home, funding education, starting a business, or retiring comfortably, SIP helps you stay on track.

📊 Disciplined Investing: Regular investments help reduce the impact of market volatility through rupee cost averaging.

🚀 Turn Small Steps into Big Success: Consistency today can help create financial freedom tomorrow.

18/07/2026

Why Small SIP make Easy to Meet Your Bigger Dream. Plan For Long term not Short term.
Follow For More Updates and Top SIP plan

RupeeTalks- Andromeda Loan and Wealth Advisor
Sanjeeb Kumar Jha

15/07/2026

किसी भी लोन को अप्रूव करने से पहले क्रेडिट ऑफिसर मुख्यतः इन पहलुओं का मूल्यांकन करता है:
1. Character (चरित्र एवं क्रेडिट हिस्ट्री)
आवेदक का CIBIL/क्रेडिट स्कोर
पिछले लोन की भुगतान आदत
बैंकिंग व्यवहार और वित्तीय अनुशासन

2. Capacity (भुगतान क्षमता)
मासिक आय और खर्च
EMI चुकाने की क्षमता
नौकरी या व्यवसाय की स्थिरता
FOIR (Fixed Obligation to Income Ratio)

3. Capital (पूंजी एवं नेटवर्थ)
स्वयं का निवेश (Margin)
कुल संपत्ति और देनदारियां
नेटवर्थ और वित्तीय मजबूती

4. Collateral (सिक्योरिटी/गारंटी)
गिरवी रखी जाने वाली संपत्ति का मूल्य
दस्तावेजों की वैधता
Loan-to-Value (LTV) अनुपात

5. Conditions (लोन का उद्देश्य एवं बाजार की स्थिति)
लोन का उद्देश्य उचित है या नहीं
उद्योग/व्यवसाय की वर्तमान स्थिति
आर्थिक परिस्थितियां और संभावित जोखिम

6. Documentation & Compliance (दस्तावेज एवं KYC)
KYC दस्तावेज
आय प्रमाण (ITR, Salary Slip, Bank Statement)
व्यवसाय से जुड़े दस्तावेज
कानूनी एवं नियामकीय अनुपालन

7. Risk Assessment (जोखिम मूल्यांकन)
भविष्य में आय पर संभावित प्रभाव
व्यवसाय या नौकरी से जुड़े जोखिम
डिफॉल्ट की संभावना

सारांश:
एक सफल क्रेडिट निर्णय का आधार है – "5 Cs of Credit":
✅ Character
✅ Capacity
✅ Capital
✅ Collateral
✅ Conditions
रुपी टॉक्स संदेश:
"लोन केवल आय देखकर नहीं, बल्कि आपकी साख, भुगतान क्षमता, दस्तावेज, सुरक्षा और उद्देश्य को समझकर स्वीकृत किया जाता है।"

For Detail and Regular Update follow

RupeeTalks- Andromeda Loan and Wealth Advisor

06/07/2026

लोन स्वीकृत करते समय LTV (Loan to Value) और FOIR (Fixed Obligations to Income Ratio) दो सबसे महत्वपूर्ण मानदंडों में से हैं। इनके आधार पर बैंक यह तय करता है कि आपको कितना लोन देना सुरक्षित होगा और क्या आप उसे समय पर चुका पाएंगे।

1. LTV (Loan to Value)
अर्थ: संपत्ति (जैसे घर, जमीन, वाहन आदि) की कीमत के मुकाबले बैंक कितना लोन दे रहा है।
सूत्र:
LTV = (Loan Amount ÷ Property Value) × 100

2. FOIR (Fixed Obligations to Income Ratio)
अर्थ: आपकी मासिक आय का कितना हिस्सा पहले से चल रहे EMI और अन्य निश्चित देनदारियों में जा रहा है।
सूत्र:
FOIR = (कुल मासिक EMI + अन्य निश्चित देनदारियां ÷ मासिक आय) × 100

11/04/2024

May this blessed day bring health and happiness to you and your loved ones.

Eid-Ul-Fitr Mubarak everyone!

10/04/2024

May this Akshaya Tritiya bring abundance of finances and may you experience life in all its fullness.

Happy Akshaya Tritiya one and all!

Address

G-1, SHREY JAGJEET, BEHIND RBI REGIONAL OFFICE, SALEMPUR, EXHIBITION Road, PATNA
Patna
800003

Telephone

+919107049107

Website

http://www.Rupeetalks.in/

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