6 Tips to Keep Debt Under Control

We often hear rising non-performing assets of the bank which is nothing but businesses or individuals are having difficulty paying their loans or credit card repayments. But why is it becoming more and more difficult to repay your credit? There are various reasons for this. For example, fall in interest rates, encourages households to borrow more.

So how do you get out when debts start to accumulate and the situation gets out of control?

1. List your credits and reduce your expenses

Take stock of your situation to assess your ability to repay on time. Repay credits with high rates first if you can’t pay them all at once.

It is often not easy to reduce spending in a consumer society like ours. List the monthly expenses that you must pay. Example: rent, energy bills….

On the other hand, you can also try to renegotiate with your suppliers: change your car insurance if it is too expensive or your telephone/internet subscription to reduce your costs. You need to limit unnecessary expenses like the latest iPhone 6 or a new TV.

2. Talk to your banker and ask for a lower rate

Bankers are not necessarily the first people you want to talk to about your debts, but they are the only people who can help you and provide solutions. Don’t be afraid to review your situation with them as soon as you feel that debts are starting to accumulate. The sooner you do this, the easier it will be to manage.

If you have been able to repay your loans on time so far and have built a relationship based on trust with your bank, your bank may offer to lower your credit rate. If this is not the case, ask your bank what other solutions are available to help you.

3. Consider taking out insurance

Personal loan insurance is not mandatory, but can be useful to cover death or disability. If you do not have insurance, it is important that you talk to your bank to find a solution to help you.

4. Opt for a credit consolidation or a credit repurchase

A credit repurchase can be a solution to lower the interest rate and to see your situation more clearly. You can take out a new loan with another company to repay all your outstanding loans and reduce your overall monthly payment. On the other hand, a credit consolidation will require you to pay your credit over a much longer period to compensate for the decrease in monthly repayments. Talk to your bank to see if this is the best solution for you. Also consider closing your revolving loans.

5. Use non-judicial debt mediation

If you are facing temporary difficulties that jeopardize your financial situation or if you are facing prolonged over-indebtedness, you can resort to non-judicial debt mediation. It constitutes personalized assistance by persons designated by law or by public or private institutions.

6. Consult the collective debt settlement

Collective debt settlement is a legal procedure to try to remedy situations of over-indebtedness that have become unmanageable. It enables people to regain living conditions consistent with human dignity and to repay all or part of their debts, as far as possible.

It is important to think carefully before taking out a loan so that you will be able to repay it. Pay attention to your expenses and manage your budget well.

Stop Buying These 15 Products, If You Don’t Want to Waste Money

Nobody wants to waste money but still we buy things we don’t always think about or are not always required. These things can be a terrible waste of money.

Here is the list of 15 products you should stop buying and save money.


Many people buy lottery everyday in the hope that they will win the prize, but gambling actually stops you from having more money. You’ll probably lose money if you buy lottery and there’s no guarantee you’ll win. In fact, the winning percentage is almost zero.


A person who smokes one pack of cigarettes a day spends minimum Rs. 250 depending on the brand. Some even costs more than Rs. 300. In addition, the cost of smoking to your health is incalculable because of the health risks involved.

Water Bottles

If you live in a city where tap water is hygienic and drinkable, don’t buy bottles. If you can get access to something for free, why to pay for it?

Brand name drugs

Normally when two products are exactly alike consumers would opt for the cheaper version. This is not the case with brand-name drugs, which consistently outsell their generic counterparts, despite having the same ingredients and effects. Save some money and buy the generic medicines available at low cost.

Food and drink at the movie theatre

Cinemas don’t make a profit only on tickets, but they also make a profit on food sales. The high price of popcorn and candy is a scam, as you can buy the same products in a supermarket for much less.

Coffee to go or in coffee shops

Before they put a Starbucks on every corner, people made their own coffee at home. This is still popular, but the coffee shops have taken over much of the business. With the high prices and long queues it is surprising that people don’t make their own coffee at home.


Libraries are the best way to save money. The libraries are free and hold millions of books, DVDs and other things you can borrow. If required you can also buy second hand books instead of new one, if at all it meets your educational requirement.

CDs and DVDs

CDs and DVDs are becoming obsolete, but still many people still invest money in albums and movies. Like books, you can rent CDs and DVDs in your library. But now most people enjoy entertainment in streaming using apps like Spotify, Amazon Prime and Netflix for a lower monthly cost than the price of a single CD.

Cable Television

Like music and movies, television is moving from more traditional forms to online streaming. Streaming also has the extra advantage of not having ads and being able to consume it whenever you want.

Gift Cards

Gift cards aren’t as good a gift as you think they are. At least one in three gift cards are never used. And those who use them tend to spend 20% more than the amount the card came with, according to Investopedia. Avoid losses and buy something more personalized next time.


Gym memberships can be expensive, so if you don’t visit regularly you’re wasting your money. Fortunately, there are ways to be healthy and exercise outside of a gym, as well.

Premium or Speed Petrol

The basic version is sufficient. For most cars, there’s no need to spend more to get premium gas. The extra cost isn’t worth it, so save money on refueling and fill your car or bike with low cost gas.

Latest Technology Products

When a state-of-the-art device arrives on the market, it lowers the price of previous versions. The old and new versions are probably very similar, and the newer version probably still has some adjustments to make. Save a lot of money by opting for the older product that has almost identical features.

Gaming Integrated Shopping

Those games you’ve got on your smartphone have to get money from somewhere. It turns out that these games are very addictive and are designed with psychological tricks so that you spend whatever money it takes to get to the next level.

Express Shipments

Online stores can make a lot of money by charging their customers high fees for express delivery. Although the basic option may take longer, the savings are worthwhile, if you do not want something on a priority basis.

5 Ways to Save Money When Eating Out

If you want to enjoy quality food and give your palate a treat without your hitting wallet hard, then here are some of the best money saving recommendations when you visit an expensive restaurant.

You don’t have to burn money for a tasty menu and don’t have to go hungry when going out to eat on a special occasion. But it’s important to have a few tips on hand that will be especially useful for saving money in expensive, high or mid range restaurants.

It should be noted that one of the fundamental keys is to consult the price range of the restaurant beforehand. Look for offers on the internet or mobile app and define a maximum and minimum budget that you wish to spend and which you will not allow to exceed. You can also look for digital wallets which give cashback or discounts. Such offers are typically for one time only. So if you are going in a group then use mobile phone of other members to avail the offer.

Once you’re in the restaurant, these are some of the keys to reducing your bill.

5 tips for saving money in restaurants

It is worth opting for a menu in which vegetables predominate. In addition to the environmental reasons, you should bear in mind that good meat or products such as seafood will considerably increase the final price of whatever you order. If you order meat, remember that lean meat and poultry are usually cheaper, while beef and veal are the most expensive.

At noon it’s usually cheaper: The day’s menus served at lunchtime are usually not valid for dinner, so you’ll have this savings option at your disposal if you don’t mind the time to give yourself a treat.

Sharing is the key: Sharing desserts and starters and ordering a main course per person is a way not only to save money, but to enjoy a wider range of flavors and to comment on your culinary opinions about the place. Pay attention to fixed-price menus, useful for saving money or signature dishes with occasional discounts.

Choose the best day of the week: There are certain times – low season – or days of the week, when you can find special offers, especially in those with fewer customers.

Beware of drinks: Along with desserts, drinks such as wine are a expensive products that can greatly increase the final amount of your dinner or lunch. Check prices beforehand and if you need to cut back on expenses, remove the most superfluous items from the menu, share dessert or order wine from home.

7 Bad Habits to Break to Save More Money in FY 2018

If you want to save money this financial year which begins from April 01, 2018; the first thing you should do is stop bad habits that cause you to waste your savings or live beyond your means. Here are some ideas to get you started.

When it comes to saving money, there are many methods and techniques you can use, from installing a personal finance or money management application like Mvelopes/Good Budget/Mint and many others on your smartphone. You can also opt for small changes and set in motion everyday actions that encourage the accumulation of extra money or reduction of expenses, as well as explore techniques, such as the Japanese Kakebo, which allows you to save up to 35% of your salary.

However, in addition to the positive changes, it is also very interesting and important to avoid unwanted habits that can cause your finances to go off track. So today we’re picking up some bad habits that you need to break in order to save more money in financial year 2018.

1. Lack of Savings Goals

Without goals, there is no plan or strategy you can pursue. The money will not come by itself: take a notebook and pen or a specialized application, determine your short, medium and long term financial goals and track the actions you must take to achieve them. You may need to renew your car, want to go on holiday this summer or save for education. Every month you can schedule automatic transfers to a savings account, for example.

Read this: If you are a low income earner and want to earn extra income.

2. Spend What You Earn

Maybe you’ve taken carpe diem (i.e. enjoy today, don’t trust the future) too seriously and are going through life downhill without any kind of brakes, struggling to make ends meet at the end of the month due to waste, excess, online shopping and too much leisure. Reserve a fixed – or variable percentage of savings – from a minimum of one per month. You can also have specific savings jars for different areas such as leisure, culture, holidays and travel, eating out, training or household expenses.

3. Ignore Offers

In addition to creating a monthly fund to pay for expenses such as bills, receipts or rent, we recommend that you save money or bet on less expensive options when filling your shopping basket, such as private labels. It’s essential that you avoid impulsive spending, last-minute whims and the purchase of things you don’t need.

4. Spending Money from your Savings Account

If you have a savings account exclusively for a future purpose such as your children’s education, your retirement or other purpose, it should be untouchable. Otherwise, you’ll put your financial future at risk. It creates a mental and logistical barrier, such as betting on a high-interest savings account. Except for an urgent emergency, forget about it while your savings get fatter every month.

Additional reading: Start earning money while sleeping.

5. Unaware of Outgoing Money

Whether it’s drinking a few wines every day at the corner bar, bidding on eBay, paying for some bargains on Amazon or buying clothes every week, you should be aware of where your money goes, taking a more conscious approach to spending in 2018 to be more aware of the savings. Try to track spending to reduce waste and encourage your wealth growth at the end of each month.

6. Waiting to Save More to Invest

Contrary to popular belief, you don’t need to be a personal finance expert to make investments based on your ability to save and personal economy.

7. Not Prioritizing High Interest Debt

An effective debt strategy is to rank your debt in order of interest rate, from highest to lowest. It then prioritizes the payment of the debt with the highest interest rate, while still paying the minimum of all. So, your purpose will be to pay less in the long run. Another option, provided by personal finance experts, is to rank the debt in order of size and start with the smallest. This strategy is called the “snowball method” and is about building momentum to address growing debt.

Kakebo – The Japanese Method of Saving Money

Life is uncertain and an individual can face difficult time at any point of the year. That’s why it is always advisable to get tricks from financial experts to overcome any type of uncertainties. However there is one trick, which does not require any detailed financial knowledge but is still the simplest amongst all.

So, if you’re having trouble putting expert advice into practice, then lets learn a hundred-year-old Japanese method called Kakebo, which will help you save up to 35% of your monthly salary.

Wrongly named by many as the Kakeibo method, those who have tried it claim that it is the best way to keep their bills up to date and not to be scared at the end of the month.

So why not put it into practice? Here are the keys to implement the Kakebo method.

Buy a notebook and keep all your bills

The first thing, Kakebo method recommends is to go back to the traditional and write down all your expenses in a notebook. Forget about finance apps or any kind of notes on your mobile phone and save all the item tickets (whether food, clothes or entertainment) you’ve bought. This will help you see what you’re doing to make your money fly. To do this, stand in front of your notebook one day a week and write down your expenses.

Divide by categories

Once you have all your bills in order, divide them into four categories:

  • Survival (housing, transportation, food and medical expenses)
  • Cultural (books, concerts and movies)
  • Optional (clothing, accessories, tobacco, restaurants, discos)
  • Extra (unexpected)


The Kakebo method then recommends you to assign a color to each type of expense.

In this way, you will see at a glance and every week all the waste that, at first, did not seem to affect your personal finance but that can be a big deviation at the end of the month.

Also, by visualizing your finances each week, you can correct all those unnecessary expenses for the next week.
As the Kakebo Method states, with this technique you become more conscious and begin to optimize your salary, saving up to 35% in some cases.

If you want to know more, you can always take a look at the Kakebo for 2018 book that will help you to control your finances in an easier and simpler way.

9 Daily Tricks to Save Money

If you want to save money at the end of each month, the key to achieving it lies in building a solid collection of smaller everyday habits that don’t involve high demands or deprive you of the most important things.

In small steps, these can help you save for retirement, make a dream trip, give you a little treat or make it to the end of the month with more ease, as well as overcome unexpected expenses.

Implement viral methods of saving like the Japanese Kakebo technique to save up to 35% of your salary – it is a kind of method to record your expenses and income, allowing you to look on your habits, learning to save and improve your financial management skills.

Here are 9 daily tricks to save money:

Set up automatic transfers

Some banks have options to automatically reserve or set aside a fixed amount of money every month (i.e. fixed or recurring deposit). You can have an untouchable account exclusively for saving or make regular transfers to save a percentage of your salary.

Plan your purchases in detail

Make an accurate shopping list with a maximum and minimum budget, evaluate possible offers or discounts, and avoid impulsive expenses, superfluous whims and the purchase of unnecessary items.

Find cheaper alternatives

In areas such as clothing, leisure, or food, try to save money or opt for less expensive options, don’t get fantasized by the private labels for every product. Bigger the private label brand, more expensive would be the product.

Calculate expenses

Create a monthly fund to pay expenses such as bills, receipts, or rent. This way, you can save in a more orderly manner.

The traditional piggy bank

The weekly savings margin can end up in a piggy bank that you will not break until it is full or in a certain period of time. There’s plenty of room for your change, your daily shopping returns, or bargain you do everyday.

Commit to saving the extras

If you’ve had a great month as a freelancer or earned through stocks or you’ve got the annual bonus, or you’ve won lottery, or you’ve been paid for a late project, don’t use everything of it and instead save that money.

Specific saving piggy

You can have different saving piggy banks for different purposes such as leisure, cultural products, holidays and trips, eating out, training or household expenses.

Spend less on a specific category

Instead of saving in all areas, you can bet on doing it in an area where there are redundant costs. For example, if you pay separately to go to the gym, to the pool and have a personal trainer, think about how to combine them in the same service and get discount. Also, if you are constantly throwing out expired food, rethink the way you eat and make changes in your eating habit.

Take the time to track your financial progress

Evaluate your debts, the money you earn, check account or investment performance regularly, and your chances of saving at the end of each month.

And always remember – penny penny makes many.

Save Money on Movies after GST: Amazon Prime & Netflix

Post Goods and Service Tax (GST) implementation 28% tax is levied on entertainment. Which means you will have to pay more money to watch movies in theatres compared to pre-GST era. Remember that the tax varies from state to state in India.

As most people watch movie on weekends during which tickets are priced extremely high, the overall cost of watching movie has further gone up.

For example: A single ticket which was earlier costing Rs. 300 will be now priced at Rs. 380. Assuming minimum two persons watch movies, you will have to shell out minimum Rs. 760. In addition, if you buy food items in the theatre, you will most probably end up spending additional money. Food items purchased in theatres are taxed at 28%.

So how can you save money by watching favorite movie at low cost with your family? Answer is Amazon Prime and Netflix.

Online streaming offered by these two companies let you watch TV shows and movies at a very minimal cost that too paid annually.

The annual membership fee is Rs. 500 for Amazon Prime. Whereas Netflix offers three plans priced at Rs. 500, 650 and 800 respectively.

Benefits of watching movies on Amazon Prime and Netflix:

  1. Both offer one month free trial after joining. And if you don’t like the service, you get full refund. This is not the case when you buy tickets at a theatre.
  2. Unlimited movies and TV shows can be watched anytime, anywhere provided device has internet connection.
  3. Any number of individuals can watch movie at the same time. You can calculate the money saved.
  4. You can save select movies for offline watching.
  5. Moreover when you book movie tickets online, internet handling fee is also charged. This further increases the cost of buying movie.
  6. You can watch on any device – television, desktop, laptop, mobile, tablet.
  7. Multiple formats are available such as Standard Definition (SD), High Definition (HD), Ultra High Definition (4K or UHD) and High Dynamic Range (HDR) giving you ultimate movie experience.
  8. These are the most authenticated and secured options for entertainment buffs. No risk of viruses. You also get advertisement free movie experience.
  9. No more standing in queue to buy movie tickets.

Everything has pros and cons and the same is true when it comes to watching movies online on Amazon Prime and Netflix or any other online service.

Here are the cons:

  1. Movies are available after some delay. So you will have to wait to watch your favorite movie.
  2. Slow internet connection can make movie experience frustrating.
  3. Your internet bill will go up. But if you buy decent plan offering unlimited download, then you do not have to worry about the bills.

There are more such services such as Hulu which are not very famous in India. This shift from watching a movie in a theatre to online is certainly worth trying. And definitely they are big money savers (provided you are piracy hater:). and you need to have patience to wait for your favorite movie to come on these two websites.

Discounts, High Interest, Schemes for Senior Citizens in India

When someone retires especially private salaried individuals with no pension as a backup, the most worrying factor is sudden stop of monthly income. With no monthly salary, there is always a tension on how to manage funds during medical emergency, meet day to day expenses, and many others.

However to protect the life of seniors during the old age; Indian government and few private bankers & companies offer special discounts/offers or run various schemes especially for seniors typically in the age bracket of 60 years and above.

In this article we’ll explore important benefits or discounts for seniors in India:

Income tax: Let’s start with income tax, which is a certain pre-fixed percentage of income paid by every earning person (depending on the income slab) in India to the government. Depending on the income earned, individuals are offered tax benefits which are better than normal individuals. Shown in the table below is the income tax for seniors:

Annual Income SlabIncome Tax
Upto Rs. 3 LakhsNo Tax
Rs. 3 Lakhs to 5 Lakhs5%
Rs. 5 Lakhs to 10 Lakhs20%
Rs. 10 Lakhs & above30%

Railway Ticket: Male senior citizens get 40% and women get 50% concession on all classes for passengers of Indian Railway. However remember that, misuse of this quote or concession by mentioning incorrect age, will result in traveler being considered as non-ticket traveler and will be charged accordingly.

Flight ticket: Few airlines offer discounts to seniors aged between 55 to 65 years. For e.g. Air India offers 50% discount on economy “M” RBD basic fare to individuals who’ve crossed 63 years as on the travel date. Indigo, GoAir & SpiceJet, offers 8% discount on basic fare.

Check out how to earn money after retirement.

Assured pension: For the coming financial year 2017-2018, government of India has approved pension scheme – Varishtha Pension Bima Yojana 2017. Under this scheme, individual would be offered 8% guaranteed pension for 10 years. Applicant will have 4 options to choose pension which can be as follows:

  • Every month
  • Every quarter
  • Half yearly
  • Annually

Investment of up to Rs. 7.5 Lakh is possible in this scheme.

26 authentic ways to earn extra income in India from home.

Higher interest on SCSS: Most of the Indian banks offer special discounts to senior citizens holding savings account with them in the form of higher interest rates. These rates are slightly higher than the ones offered to other account holders. Listed below in the table are the rates offered by various banks:

Name of BankInterest Rate per Annum
State Bank of India9.3%
ICICI Bank8.5%
HDFC Bank8.6%
Canara Bank9.2%
Bank of Baroda8.5%
Andhra Bank8.5%
Bank of India9.3%
Allahabad Bank9.2%
Punjab National Bank8.5%
Corporation Bank9.2%

Higher interest on Fixed Deposit: In comparison to FD rates offered to individuals not falling under the category of seniors, banks offer interest rate which is higher than 0.5% over and above normal rate. Here’s the table showing leading banks and rates offer to the seniors:

Name of BankFD Interest Rate
State Bank of India7%
ICICI Bank7%
HDFC Bank7%
State Bank of Mysore7%
Indian Bank6.5%
YES Bank7.6%
Punjab National Bank7.4%
Karnataka Bank7.65%
Kotak Mahindra 6.6%

Senior Privilege Savings Account: Axis bank has launched this product especially for individuals with age 60 years and above. The benefits offered under the account are:

  • 25% discount on safe deposit locker
  • 50% off on diagnosts tests done at pre-fixed 200 centers
  • Up to 15% discount on purchasing medicines at Apollo pharmacies in over 1400 locations
  • 0.5% preferential rate on FD/RD account

OLA Cab: Recently cab aggregator OLA announced special offers for senior people residing in Pune with an additional discount of 50% on 10 rides every month. Although this discount was only till 28th Feb 2017, a 30% discount was also announced in January 2017. So stay updated on any new offers for seniors on OLA

Save Money on Electricity Bill – Refrigerator, AC, Geyser

We often end up spending more on stuffs or unknowingly waste money on utilities which could be controlled. However if you start saving money through following listed ways, it will surely guarantee in making you rich. Some of these options will help in saving you small amount of money or some will help in saving thousand of rupees in a year.

Let’s look at tips on how to save money on electricity bills:

Refrigerators, air conditioners, geysers are the amongst the most power consuming electrical appliances. However you are unknowingly burning money on using them incorrectly which is resulting in higher electricity bills. Let’s consider ways to save money on each of these one by one.


  • Never keep refrigerator in a place where it doesn’t get sufficient air. Atleast keep it in a position where it gets sufficient air from atleast two sides.
  • Also make sure there is no direct sunlight hitting the refrigerator. This results in refrigerator utilizing more power and hence more bill.
  • Never overload fridge. Over crowded space result in insufficient circulation, leading to more energy consumption. Moreover, it will also cause food spoilage.
  • Do not make defrosting a regular practice.
  • Do not keep hard plastic sheet at the base of any object. For e.g. to keep refrigerator away from dust or spills, we often make use of plastic sheets or mats. However if the sheets are very thick, the fridge will consume more energy for cooling the product. So make use of very thin mat.

Air conditioner:

  • Another pocket burner as it consumes highest energy, yet it cannot be avoided. However there are small tips which can help in saving money by reducing electricity bill due to AC.
  • Do not let direct sunlight to directly fall on the outer part of the air conditioner.
  • Regularly clean AC filters.
  • When AC is switched ON, keep doors and windows closed.
  • Many people use blankets or thick bedsheets to prevent themselves from cold temperature due to AC. Such people should switch the AC off for certain time and use fan. The room will continue to give a feeling of coolness. Another option is to set a timer.
  • Another way to reduce electricity bill caused to heavy usage of air conditioner is to increase the temperature from 22 degree to 25 degree. Not everytime you will need cool temperature. This will save good amount of energy.

Health Tip: Remember that prolonged use of AC results in dry and flaky skin problem. This is because AC removes humidity from the room resulting in skin to loose moisture and making it dry. This cause itchiness. And in the long run, lack of skin elasticity due to moisture loss causes wrinkles, giving it an aging appearance. Skin problem is one of the health hazard AC poses besides fatigued body, breathing problems, joint issues such as arthritis, and intolerant to heat.

Interesting read: How to save money on medicines in India.

Water heater or Geyser:

  • We often keep geysers ON until the bucket becomes full or till you bath if if taking shower bath. This results in higher energy consumption and also loss of water. If you have a habit of using bucket full of hot water, then switch the geyser OFF once the bucket is 60%-70% full. The hot water will continue to flow despite of it being OFF. This will definitely save electricity.
  • There are also auto off feature geysers in the market whose main purpose is to automatically switch the appliance OFF when someone forgets to do it.

All the above listed tips will definitely help in decent amount of money every month. And the same can be invested to grow your wealth.

Cheapest Hair Trimmer @ Rs. 149, Low Cost Trimmers

When it comes to trimming your beard hair, relying on a salon is always time consuming and expensive too. In addition to this salons are not available at all the time. So the best solution is to buy a hair trimmer. You can either buy a low cost hair trimmer/shaver or the ones which are priced higher either in-store or online. But buying online has many benefits such as discount deals, products from multiple brands can be compared, get reviews and most importantly it saves time and many other benefits which ideally is not possible while purchasing at a retail store.

Here are the low cost hair trimmers available on Flipkart (Rs. 149) and Amazon (Rs. 169):

What to look for in a hair trimmer?

With range of options available online, it is very difficult to choose the best hair trimmer. So here are the basic and important points to be considered while choosing a hair trimmer irrespective of whether you choose cheapest or high price:

  • Blades should be of a very high quality and it should not pull off hair while in use
  • Cutting of thick hair should be smooth
  • Light weight, so that it is easy to handle and carry
  • It should not get very hot when used continuously
  • Blade changing and adjusting should be easy
  • It should fit perfectly in the user’s hand. Length too should be good enough
  • Should be less noisy
  • Run time should be long. Preferably 30 minutes and more
  • Fast recharge time
  • Cordless and corded both should be available
  • Cleaning brush should be provided
  • Easy to wash and clean

Which companies sell hair trimmers?

There are many companies which manufacture hair trimmers and the products from following brands are highly recommended:

  • Nova
  • Brite
  • Philips
  • Braun
  • Panasonic
  • Wahl

You can see the extensive range of trimmers available on Flipkart and Amazon

Things to keep in mind while buying online:

  • Always buy from a seller which offers original products
  • 100% return guarantee
  • Seller rating is high
  • Customer reviews are good