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profitfromai1 · 4 months

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Macquarie warns investors about the serious implications of Paytm shares after RBI ban

In the aftermath of the Reserve Bank of India's (RBI) actions against Paytm Payments Bank Ltd. (PBPL), Macquarie, a leading global research firm, analyzes the potential impact on Paytm's vast customer base and its business operations. The RBI's restrictions on Paytm shares have raised concerns about the company's lending business, technical analysis of its shares, and the strategic importance of PBPL. This article provides key takeaways from the analysis and expert opinions on Paytm's situation.

Key Takeaways

RBI's restrictions on Paytm shares have raised concerns about the company's lending business, technical analysis of its shares, and the strategic importance of PBPL.

The impact on Paytm's lending business is expected to be significant, as it generates around one-fifth of its revenue from this segment.

Paytm's share price faces crucial support at ₹700 and ₹590 apiece levels, with a hurdle at ₹810 and ₹890 apiece levels.

The restrictions on PBPL significantly hamper Paytm's ability to retain customers and sell payment and loan products, leading to potential revenue and profitability implications.

Macquarie has a 'neutral' rating on Paytm stock with a target price of ₹650 apiece, indicating cautious outlook and potential downside.

RBI's Restrictions on Paytm Shares

Impact on Lending Business

The recent RBI restrictions have sent a shockwave through Paytm's lending business, which is a critical revenue stream, accounting for over 20% of the company's revenues. Lending partners may reassess their involvement with Paytm due to heightened operational and governance risks, potentially leading to a significant downturn in business collaboration.

Paytm's ecosystem is vast, with over 330 million wallet accounts and a monthly transacting user base of 100 million. The RBI's ban on new customer onboarding could force Paytm to double down on its existing customer base to maintain its lending operations. However, this comes with its own set of challenges, as customer retention could be at risk due to the inability to offer new payment and loan products effectively.

The implications of the RBI's ban are far-reaching, affecting not just the lending business but also wallet GMV, merchant services, and Fastag GMV. This multi-faceted impact could be a key risk to earnings and valuations, and all eyes are on Paytm's management for their next move.

Technical Analysis of Paytm Shares

Following the RBI's clampdown, Paytm's stock has been on a rollercoaster. Technical analysts are eyeing key support and resistance levels to gauge the stock's next moves. The support levels are pegged at

u20AC700 and

u20AC590, which are critical for the stock to hold to avoid further downside. On the flip side, resistance is forming at

u20AC810 and

u20AC890, levels that the stock must breach to signal any potential recovery.

In light of recent events, investors are advised to closely monitor these technical thresholds as they could dictate the short-term trajectory of Paytm shares.

Here's a quick look at the recent stock performance:

| Date | Closing Price (

u20AC) | Intraday Low (

u20AC) | |------------|-----------------|----------------| | 01 Feb 2024| 761 | 608.8 |

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The stock's plunge to 608.8 from its previous close indicates a significant bearish sentiment among investors. This level is just above the crucial support, hinting at a precarious balance for Paytm's valuation in the market.

Strategic Importance of PBPL

The Paytm Payments Bank Ltd. (PBPL) isn't just another cog in the wheel; it's the engine driving Paytm's expansive financial universe. With a staggering over 330 million wallet accounts, PBPL is a behemoth in Paytm's ecosystem, integral to the company's operations and growth. The bank's services are diverse, ranging from credit and deposits to UPI transactions and FASTag toll payments, where it boasts a significant 17% market share.

The recent RBI restrictions have thrown a spanner in the works, potentially disrupting customer retention and the sale of payment and loan products. This could spell trouble for Paytm's revenue and profitability in the long run. Here's a quick rundown of PBPL's offerings:

Credit and deposit services

Fund transfers

UPI transactions

FASTag toll payments

Bill payments

Wallet usage

The strategic role of PBPL cannot be overstated. Its ability to facilitate a wide array of financial services makes it a cornerstone of Paytm's business model. The current predicament, however, puts its pivotal role at risk, with Macquarie highlighting the challenges ahead.

RBI's Directives to Paytm Payments Bank Ltd.

Halting of Banking Activities

In a move that caught many off guard, the RBI's directive to Paytm Payments Bank Ltd. (PPBL) to cease new credit and deposit operations has sent ripples through the financial sector. This sudden halt in banking activities underscores the severity of the compliance issues faced by PPBL and raises questions about the bank's future operations.

Paytm's ability to onboard new customers and conduct basic banking operations like top-ups and fund transfers has been effectively frozen. This development could have a domino effect on the bank's revenue streams and customer trust.

Immediate suspension of new credit and deposit operations

Prohibition on top-ups and fund transfers

A halt on all other unspecified banking activities

The implications of this suspension are far-reaching, potentially impacting not just Paytm's business model but also the broader digital banking landscape in India.

Governance Issues

The RBI's intervention has cast a spotlight on the governance issues within Paytm Payments Bank Ltd. (PBPL), raising questions about the robustness of its internal controls and compliance frameworks. Investors are now grappling with concerns over management practices and their potential impact on the bank's future operations.

The SEBI has received a significant number of complaints alleging corporate governance violations across various corporations, indicating a broader issue in the industry.

For PBPL, this scrutiny could lead to a reassessment of leadership roles and a possible board reshuffle to regain stakeholder confidence.

The focus on governance is not just about adhering to regulations; it's about ensuring the long-term stability and integrity of the institution.

Market Impact

The RBI's restrictions on Paytm have sent ripples through the market, with investors and analysts closely monitoring the Paytm shares. The immediate aftermath saw a jittery response from the market, anticipating a potential drop in share price on critical financial events such as the upcoming Budget 2024.

Also read :Unlocking the Potential: Artificial Intelligence in Social Media StrategiesImmediate market response: Uncertainty and potential share price volatility

Long-term concerns: Investor confidence and regulatory compliance issues

Sectoral impact: Possible repercussions for the broader fintech and banking sectors

The market's reaction underscores the fragility of investor sentiment in the face of regulatory actions. It's a stark reminder that compliance is not just a legal formality but a cornerstone of market stability.

While it's too early to quantify the exact fallout, the market's unease is palpable. Investors are advised to stay informed and tread cautiously as the situation unfolds.

Macquarie's Analysis of Paytm Shares

Revenue and Profitability Implications

The RBI's ban on Paytm has sent ripples through the financial ecosystem, leading to potential revenue and profitability challenges in the medium to long term. Macquarie's sharp eye on the situation suggests that the implications for Paytm's revenue and profitability could be significant, urging investors to keep a vigilant watch.

Revenue and profitability are the lifeblood of any company, and for Paytm, the current predicament could spell a series of financial setbacks. Here's a snapshot of what's at stake:

A halt in onboarding new customers, impacting future revenue streams.

A comprehensive IT audit by the RBI revealing non-compliance issues.

A historical precedent of a 15-month ban on a major private sector bank, hinting at a potentially prolonged situation for Paytm.

The question on every investor's mind: Is there any end to this ban? With 22 months already lapsed since the first ban in March 2022, the RBI's continued identification of non-compliance issues does not bode well for a swift resolution.

While the exact figures are yet to be crunched, the market is bracing for a substantial revenue reduction, which could, in turn, affect the stock's performance. The longer the ban persists, the more pronounced these effects may become.

Important Levels to Look at

In the wake of the RBI's clampdown, Macquarie's scrutiny of Paytm's stock reveals several critical price levels that investors should monitor. The volatility in Paytm's share price, particularly after hitting a 20% lower circuit, underscores the importance of these markers.

Support Level: This is the price point at which a stock typically receives a high level of buying interest, preventing it from falling further.

Resistance Level: Conversely, this is where a stock often faces selling pressure, making it difficult to rise above.

Paytm's recent price action suggests that the support and resistance levels are more than just theoretical constructs; they are real inflection points that could dictate the stock's short-term trajectory.

While the exact figures are subject to change, investors are keenly watching these levels as they can signal potential entry or exit points. It's essential to stay updated with the latest technical analysis to make informed decisions.

Neutral Rating and Target Price

In the wake of the RBI's recent directives, Macquarie has maintained a neutral stance on Paytm shares, suggesting that investors should neither buy aggressively nor sell off in panic. This cautious approach is reflected in their target price, which aims to balance the current uncertainties with the company's long-term potential.

The target price set by Macquarie is a critical factor for investors to consider, as it encapsulates the brokerage firm's assessment of Paytm's fair value given the prevailing market conditions. It's important to note that this target price is subject to change based on how the situation unfolds and how Paytm addresses the regulatory concerns.

Here's a quick look at Paytm's recent stock performance:

Period

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Performance

1 Day

-0.69%

1 Week

-5.57%

1 Month

18.61%

3 Months

32.93%

6 Months

18.44%

1 Year

78.10%

While the short-term volatility is evident, the long-term trend seems to be more positive, indicating resilience in Paytm's share value over time.

Expert Opinions on Paytm's Situation

Impact on Revenue

The recent RBI restrictions have sent Paytm's revenue streams into a bit of a tailspin. Paytm's lending business, which accounts for a significant chunk of their revenue (over 20%), is now facing the heat. If lending partners start pulling back due to perceived operational or governance risks, we're looking at a major hiccup in the earnings department.

But that's not all, folks. The wallet GMV, which is about 5% of the total, might need to be dialed down. And let's not forget the merchants who rely on Paytm Bank for their transactions - they represent 6% of devices and could be in for a rough ride. Plus, the FASTag GMV, which is a big deal for Paytm, is expected to take a significant hit.

In essence, the RBI's move could be a real party pooper for Paytm's revenue and valuations. We're all on the edge of our seats waiting for the management to chime in with more details.

It's a tough break, especially considering the 330 million+ wallet accounts housed in the payment bank. With a monthly transacting user base of 100 million, Paytm might still have some wiggle room, thanks to PBPL's customer base. But let's be real, it's not looking like smooth sailing ahead.

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Restrictions on Existing Customers

The recent RBI directives have put Paytm's existing customers in a tight spot. Existing PBPL customers are now constrained from conducting essential banking operations such as credit, deposits, fund transfers, UPI transactions, and more. This includes the Paytm FASTag service, which, as per a recent update, will no longer function for toll payments after February 29. Customers can use up their balances but won't be able to recharge starting March 1.

The implications are far-reaching, with Paytm's FASTag holding a 17% market share and serving around 60 million users. Here's a quick rundown of the affected services:

Credit and deposit services

Also read :Unlock Your Potential with Coursera's Artificial Intelligence Courses: Master the Future of TechnologyFund transfers

UPI transactions

FASTag toll payments

Bill payments

Wallet usage

Given the severe restrictions, Paytm's ability to retain customers in its ecosystem is under serious threat, potentially leading to significant revenue and profitability challenges in the medium to long term.

RBI's Decisive Action

The RBI's recent clampdown on Paytm Payments Bank Ltd. (PPBL) is a clear signal of the central bank's commitment to stringent regulatory compliance. The halt on new customer onboarding and banking operations is a wake-up call for the fintech sector, emphasizing the importance of adhering to the regulatory frameworks.

Paytm's situation post-RBI's directive is precarious, with potential long-term effects on its business model. The company's immediate focus will likely shift towards addressing the compliance issues and regaining the trust of both the regulator and its customers.

The immediate suspension of new credit and deposit operations

A thorough audit revealing persistent non-compliance

The strategic need for Paytm to realign with regulatory expectations

This decisive step by the RBI may set a precedent for other fintech companies, prompting a sector-wide introspection on compliance and operational practices.

Conclusion

In conclusion, the recent RBI ban on Paytm shares has raised serious concerns about the company's ability to retain customers and generate revenue. With the lending business being a significant source of revenue for Paytm, the market is expected to react with selling pressure on Paytm shares. The implications of this regulatory action are expected to have a significant impact on Paytm's business operations and profitability in the medium to long term. Investors should closely monitor the developments and exercise caution when considering investments in Paytm shares.

Frequently Asked Questions

What are the implications of RBI's restrictions on Paytm's lending business?

The RBI's restrictions on Paytm's lending business are expected to impact around one-fifth of Paytm's revenue. This could lead to a market discount of Paytm's share price.

How will the RBI's directives affect Paytm Payments Bank Ltd.'s banking activities?

The RBI's directives have led to the halting of new credit and deposit operations, fund transfers, and other banking activities after February 29. This is due to non-compliance and supervisory concerns.

What is the strategic importance of PBPL in the context of Paytm?

PBPL plays a pivotal role in Paytm's ecosystem, hosting over 330 million wallet accounts. The current ban on onboarding new customers could impact Paytm's ability to retain customers and sell payment and loan products.

What are the revenue and profitability implications of RBI's restrictions on Paytm?

The restrictions could have significant revenue and profitability implications in the medium to long term. This is a key area to monitor, according to Macquarie's report.

What are the important levels to look at in relation to Paytm shares?

According to technical analysts, Paytm share price has crucial support at ₹700 and ₹590 apiece levels, while facing a hurdle at ₹810 and ₹890 apiece levels.

What is Macquarie's rating and target price for Paytm stock?

Macquarie has a 'neutral' rating on Paytm stock with a target price of ₹650 apiece.

How will the RBI's restrictions impact Paytm's revenue and existing customers?

The restrictions are expected to impact Paytm's revenue and restrict existing customers from conducting essential banking operations, such as credit, deposits, fund transfers, and UPI transactions.

What are the expert opinions on RBI's decisive action against Paytm?

Experts believe that the RBI's decisive action could have a significant impact on Paytm's lending business, revenue, and profitability. The restrictions are seen as a serious move by the regulator.

regulator.

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mohdshadab · 2 years

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How to Paytm BC Agent Registration sitting at home? घर से पेटीएम एजेंट कैसे बने?

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paisekagyan1 · 7 months

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Paytm Service Agent कैसे बने? प्रति माह ₹30000 तक कमाएं

Paytm Service Agent Kaise Bane - पेटीएम सर्विस एजेंट कैसे बने?भारत में युवाओं का बिना कैश के पाया जाना बहुत आम बात है। सब्जी विक्रेताओं से लेकर लक्जरी रेस्तरां मालिकों तक, हर किसी के पास स्कैन करने के लिए एक क्यूआर कोड होता है। बस कुछ सेकंड, और आपका भुगतान पूरा हो जाएगा। यह डिजिटल पेमेंट ऐप्स का वरदान है। आपने टेलीविजन या यूट्यूब पर "पेटीएम करो" वाक्यांश सुना होगा। यह मोबाइल भुगतान को बढ़ावा देने के लिए पेटीएम द्वारा एक विज्ञापन था। आज, पेटीएम के पास 20 मिलियन से अधिक व्यापारियों और व्यापार मालिकों का समुदाय है। यह भारत के सबसे पुराने डिजिटल पेमेंट ऐप में से एक है। यदि आपने इसका उपयोग केवल भुगतान करने के लिए किया है, तो इससे आपकी कमाई कैसी रहेगी? हां, आप पेटीएम सर्विस एजेंट बन सकते हैं और प्रति माह 30,000 रुपये तक कमा सकते हैं। यदि आपको लगता है कि यह दिलचस्प है, तो आइए गहराई से जानें और जानें कि पेटीएम सर्विस एजेंट कैसे बनें। Paytm Service Agent Kaise Bane - पेटीएम सर्विस एजेंट कैसे बने? Read the full article

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skillsandtech · 3 years

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PAYTM KYC Agent Kaise Bane | Skillsandtech

PAYTM ek ee-volet hai jisaka upayog upabhoktaon aur vyaapaariyon dvaara dijital tareeke se paise ke lenaden ke lie kiya jaata hai. rbi ke niyamon ke anusaar, maudrik lenaden mein kaam karane vaale sabhee bainkon aur ee-pletaform sevaon ko apane graahak ke kevaeesee dastaavejon ke saath apane detaabes ko apadet karane kee aavashyakata hotee hai. lekin choonki sabhee graahak aur vyaapaaree is baat…

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#How to become PAYTM KYC Agent #PAYTM KYC Agent Kaise Bane

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therealpchellper · 3 years

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Paytm Service Agent कैसे बने? | How to Become Paytm Service Agent Job

Paytm Service Agent कैसे बने? - इस लेख के माध्यम से आज हम आपको बताने वाले है कि आप पेटीएम सर्विस एजेंट कैसे बन सकते हैं (paytm kyc agent kaise bane) इसमें आपको क्या काम करना होता है और इससे आप कितने पैसे कमा सकते हैं पेटीएम सर्विस एजेंट बनकर कर आप हर महीने ₹30000 तक की कमाई कर सकते हैं यह काम आप फुल टाइम या पार्ट टाइम भी कर सकते हैं अगर आप एक स्टूडेंट है या कोई जॉब करते हैं और आपके पास फुल टाइम नहीं है तो आप पार्ट टाइम में भी यह काम कर सकते हैं तो चलिए बताते है आपको की कैसे आप paytm service agent job करके Mobile se paise kaise kamaye.

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> Paytm Service Agent की Official Website पर जाने के बाद आपको Apply Now का बटन दिखेगा उस पर आ क्लिक करेंगे। > आपके सामने एक फॉर्म (Paytm Agent Form) आ जायेगा जिसको आपको Fill कर कर देना है paytm ka agent kaise bane. - Name - Gender - State - Pincode - Email ID - Contact No. - Education Qualification. - Date of Birth - Choose Webinar Session - How did You Hear About Us?

> सारी Details भरने के बाद आप Submit बटन पर क्लिक करेंगे। तो आपका फॉर्म Successfully Submit हो जायेगा, इसके बाद Paytm की तरफ से आपको Contact किया जायेगा और बाकि की Formalities को पूरा किया जायेगा।

> इसके बाद Paytm की तरफ से आपको एक Kit मिल जायेगा जिससे आप अपना काम शुरू कर सकते है Kit के साथ ही आपको Commission Structure भी मिल जायेगा कि किस Service/Product पर आपको कितना Commission मिलेंगा। > Upstox से पैसे कैसे कमाए. काम क्या होता है Paytm Service Agent का इस JOB में पेटीएम साउंड बॉक्स (Paytm Sound Box) आप सेल (Sale) कर सकते हैं पेटीएम पर जब भी कोई पेमेंट रिसीव (Payment Receipt) होता है तो उसकी कंफर्मेशन (Confirmation) साउंड (Sound) में आती है तो उसके लिए यही पेटीएम साउंड बॉक्स उपयोग करना होता है इसके अलावा एटीएम कार्ड मशीन (Paytm ATMMachine) सेल कर सकते हैं पेटी��म फास्टैग (Paytm Fastag) सेल कर सकते हैं लोगों के लिए मूवीस टिकट (Movies Ticket) बुक कर सकते हैं मोबाइल रिचार्ज (Mobile Recharge) कर सकते हैं ट्रेन टिकट (Train Ticket) बुक कर सकते हैं लैंडलाइन का बिल, बिजली का बिल पे (Pay) कर सकते हैं बस की टिकट बुक कर सकते हैं इंश्योरेंस कर सकते हैं, और प्रिंटिंग सर्विसेज भी दे सकते हैं इन सभी पर आपको कमीशन मिलता है paytm service agent work. Paytm Service Agent Job के फायदे अगर आप भी Paytm Agent बनना चाहते है और Part Time Work करके मोबाइल से पैसे कमाना चाहते है, तो यह Paytm Service Agent Job आपके लिए Perfect है तो चलिए बताते है आपको Paytm Service Agent Job Benefits. - Paytm Agent Job करके आप घर बैठे पैसे कम सकते है। - आप Part Time Job करके भी पैसे कमा सकते है। - आप कभी भी कही भी आपका काम कर सकते है। - Paytm Agent Job में आपको KYC Account पर अच्छा खासा Commssion मिलता है। - PSA Job करके आप एक Month में 20,000 हजार रुपए से ज्यादा पैसे कम सकते है। paytm kyc agent job. - यह Paytm Agent Job आप 0 Investment में पा सकते है और तुरंत कमाई करना शुरू कर सकते है। Paytm Service Helpline Paytm Service Agent Helpline Number ----- Bank, Wallet & Payments 0120-4456-456 Paytm Mall Shopping Orders 0120-4606060 Travel and Hotels 0120-4880-880 अन्य पढ़े - - Facebook Business Page क्या है इसे कैसे बनाये - फ्री में पैन कार्ड ऐसे बनाये. - विवाह पंजीकरण ऑनलाइन आवेदन ऐसे करे. -: FAQ :- Q1 - Paytm Service Agent Job कैसे करे? Ans - पेटीएम सर्विस एजेंट जॉब (Paytm Service Agent Job) करने के लिए आप ऑनलाइन Paytm की ऑफिसियल वेबसाइट पर जाकर Apply कर सकते है। Q2 - Paytm UPI Agent Job कैसे करे? Ans - Paytm Agent Job करने के लिए आपको Paytm Agent Form Fill करना होता है जिसके लिए आप ऑनलाइन Paytm की ऑफिसियल वेबसाइट पर जाकर Apply कर सकते है। Q3 - Paytm में Job कैसे करे? Ans - अगर आपके पास मोबाइल है और आपको थोड़ी बहुत नेटवर्किंग आती है तो आप Paytm में सर्विस एजेंट की जॉब कर सकते है। Q4 - मोबाइल से पैसे कैसे कमाए (Mobile se paise kaise kamaye)? Ans - मोबाइल से पैसे कमाने के बहुत सारे तरीके है उन्ही में से एक है Paytm Servce Agent बनकर भी आप Part Time Workकरके ऑनलाइन घर बैठे पैसे कमा सकते है Paytm Agent work में आपको Paytm Company की Services लोगो तक पहुचानी होती है। Q5 - Part Time Job क्या है? Ans - Part Time Job का मतलब है आप जो वर्क कर रहे है उसे आप कभी भी और कही भी अपने समय के हिसाब से कर सकते है। Q6 - Part Time Work करके पैसे कैसे कमाए? Ans - बहुत सी जॉब है जिनमे आपको Part Time Work करना होता है और आप महिने के अच्छे खासे पैसे कमा सकते है उन्ही में से एक है Paytm Service Agent का वर्क आप Part Time करके भी पैसे कमा सकते है। Q7 - Paytm KYC Agent कैसे बने? Ans - Paytm KYC Agent बनने के लिए आपको Paytm की ऑफिसियल वेबसाइट पर जाना है और Paytm Service Agent बनने के लिए फॉर्म भर देना है उसके बाद Paytm कंपनी खुद आपसे Contact करेंगी और आप Paytm KYC Agent बन जायेंगे। Q8 - Paytm Service Agent Job Online Registration कैसे करे? Ans - Paytm Sevice Agent Job Registration करने के लिए आपको Paytm की ऑफिसियल वेबसाइट पर जाना है और Paytm Service Agent बनने के लिए फॉर्म भर देना है। Q9 - Agent बनकर पैसे कैसे कमाए? Ans - आप Agent बनकर भी बहुत पैसा कम सकते है क्योंकी Per/ Transaction पर आपको Commission दिया जाता है। Q10 - Paytm Service Agent app link. Ans - Paytm Service Agent App Link - Click Here Read the full article

#howtobecomepaytmserviceagent #jobsforstudentsonlineathome #parttimeworkfromhome #Paytmagentjobvaccancy #paytmsepaisekaisekamaye #PaytmServiceAgent #Paytmserviceagentkaisebane

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mynameisdealicopter · 3 years

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Drones – A boon or bane for the Indian Market?

Founded in 2021 in mid of the pandemic Dealicopter is headquartered in New Delhi with a tech office in Gurgaon. Dealicopter receives about 1 million monthly visits, lists coupons from 50+ online brands including top stores like Flipkart, Amazon, PayTM and BookMyShow. Dealicopter has been launched to minimise the gap between notorious sellers and potential buyers. Our Mobile App is also available…

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#Dealicopter #tech #thebestdeals #thebestsite

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jailyatra · 3 years

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Part 2

Jail Yatra...

Me kaise aaya jail me ??

Kaise pakda gya Mera scam??

As per media I'm harshad Mehta 2..

To shuru krt hai jail aane ki story..

Waise first of all Ek baat batao dost se bada koi rista ?? Nhi na..

Me bhi hu ..oops sorry tha ek yaarbaz ..

Mera bhi Ek dost tha Bhai ki jaise rakha usko aur usne Kya Kiya malum hai dagabazi..

Tha Ek matalabi dost jisko mene Pala posa usko padhya usko job thi.. naam diya .. Meri phachan di aur usne Kya Kiya dagabazi..

Story shuru hoti hai 2 dost Jo ki cricket ke ground me bane Bhai jaise dost..

To Bhai mene ek firm banai aur uske naam se transaction Kiya as per his consent aur usne Kiya mere pe FIR 420 ki..

Aisa Kya ho gya tha ki dost ne ki dagabazi..

201# I got married with a typical girl ..

Thoda tension Wala situation chal rha tha aur Meri life me Shaadi ke 2 saal baad Ek girl aayi aur mhuje usse ho gya pyar...

From beginning I never told her ki I'm married after some time she got know ki m already married..

Bhut roi wo ladki bcz I hurt so much her..

But I promised ki me within time divorce leke uske sath settle ho jaunga...

Aap soch rhe honge dagabazi me ye pyar kaise aaya.. (smaj aa jayega don't worry)..

Wo bhi CA me bhi CA... to start Kar diye sath me kaam krna aur yha se shuru huaa GST scam..

Bus yhi se hum dono ne start kiya gst scam ka kaam..

Aur is kaam me sath me tha wo dagabaz dost..

He know each and every thing about our game..

Sab acha chal rha tha ki suddenly Meri wife ko malum chal gya mere external affair ke bare me aur wo Ghar chod ke Chali gyi..

Rest story next part me..

Jail ki aaj ki update-- Corona ke Karan jail me halat bade kharab hai..

Kisi bhi type ka koi bhi safety nhi na koi mask na koi other precautions..

Jail ke log-- is central jail ajib log milenge.. koi tiger se Jana jata hai to koi bhabha...

Jail me two types ke log bade kharab hote hai chori (loot) and chori (girl) rape ke cases..

Inki yha koi value nhi hai..

Jail me smoke ke naam pe biri ka packet milega wo bhi aaj ki rate hai 3500 ka bundle and zarda pouch 2500 ka (10 rs Mrp).

Ek biri me daily kaam krne wale ladko ki kami nhi hai.. kapde wash Kar dega,nahane ka Pani la dega.. roti sabzi la dega.. aur bhi bhut kaam ho jayega Ek biri me ..

Jail me transaction paytm and Google pay se hota hai.. (no currency)..

Kaise aate hai ye biri and zarda..??

Dikki me. Lol yes dikki me .. (asshole me)

Hahah... believe me ..

Kon arrange karta hai??

Factory me gye huye kedi and police wale..

Lol...

Kal 2 interesting story batunga inside of jail and mine..

Good night take care..

#Jailayatra

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appsguruji2019 · 3 years

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PayTM सर्विस एजेंट कैसे बने Urgent जाने और कमाए 50000 महिना https://www.appsguruji.com/paytm-service-agent-kaise-bane/?feed_id=3308&_unique_id=6033937b99898

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grinich1987 · 4 years

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Self Business In Hindi | Small Business Ideas | Profitable Business

Self business in hindi : Chota Business hamesha kamayee karke deta hai. Kya aap bhi khudka business karna pasand karte hai. Agar aap normal job ko chodkar business me nasib aajmana chahte hai. To ham aapke liye laye hai aise behtarin business ideas jo aapko kam wakt me bada munafa dila sakta hai. Agar koi kahe ki business me safalta pane ke liye kadi mehnat ki jarurat padti hai. Par sirf isse kuch nahi hota. Agar koi business start karna hai to uske liye pehle proper business planning karne ki jarurat padti hai. Naya business chalu karte waqt hamare pass koi experience nahi hota isliye thodi business knowledge honi jaruri hai. Business kaise karte hai aur new business ko bada kaise banate hai uske liye pure business model ko samajna padega. Business models ko samajne ke liye choti se choti chijo par dhyan dena aavasyak hai. Jaise school ki exam ke liye hame tayari karne ki jarurat hai uspar reserch karni padti hai. Isi tarah naya vyapar chalu karne me upar se lekar niche tak ki sabhi business movement ko parakhna aur uspar practical research karna anivary hai. Is waqt aapke mann me kai sawal honge ki agar chote se business ko open karke paise kamane hai to sabse atchha business konsa hai. Aisa konsa business hai jo koi bhi kar sakta hai. Kya me business ki suruat karunga to safal ho pavunga. Aise kai swal hote hai jo new business men ke liye pareshaniya peda karte hai.

Yebhi padhe ⇓ > Online transaction kya hai in hindi > Online video editing ke liye best software

Self Business Ideas In Hindi - Kam Paise Me Business start Kaise Kare

Me yaha par best business ke bare me bata ne ja raha hu. Ye sabhi business me koi bhi risk nahi nahi hai aur koi bhi vyakti ise aasani se kar sakta hai. Kuch logo ke mann me yah sawal bhi hote hai ki kya bina koi investment ke naye business ki suruat kar sakte hai ya nahi. Par iske bare me jyada sochne ki jarurat nahi hai. Aap kam invest karke koi bhi business start kar sakte hai. New business chalu kar karne se pehle kuch batei aap samaz lijiye taki badme aapko koi problem na aaye. Koi bhi naye kaam ki suruat karne se pehle us business ke bareme puri jankari pa lijiye. Naya work kitna bhi aasan kyo na ho lekin sabhi business me ricks factor hote hai. Aap ke pass naya kaam chalu karne ke liye business experiment nahi hoga. Is liye sabse pehla kaam kare business ko samazna suru kare. Kya business hai, Business kaise kare ya hota hai, Aap kar payenge ya nahi, busiiness ke fayde aur nukshan kya hai. Is tarah behtar tarike se vyapar/business ke bareme jankari pa sakte hai. So..business karne ka tarika samaz kar puri jankari le. Iske baad hi business karne ka plan kare. Baki aapki mehnat ke upar hai aap kaisa business karte hai. Kis tarah business ko chalate hai. Business management system kya hai. In sabhi batoy ka dhyaan rakhenge to aapko success business man banne se koi nahi rok payega. > 50 Small business ideas New Business Start Karne Ke Liye Best Self Business Ideas Business ki starting ke liye yaha par business idea list di hai. Is business ko chalu karne me bahut hi kam investment ki jarurat padti hai aur kamaye jyada hoti hai. Chaliye jante hai kam kharch me aapke liye konsa business sabse atchha rahega. Taki aap bhi paisa kama sake. 1. Beauty parlour Beauty parlour jeans ka ho ya ladies ka. Yaha itni kamai hoti hai jo aur koi bhi business me nahi hoti. Is dhandhe me investment bahot ki kam hai aur kamay sabse jyada hai. Aapke pass paise nahi hai to bank se chota sa loan leke bhi ye kam suru kar sakte hai. 2. Vegetable business Vegetable business me jyada faida hota hai. Aap kam se kam invest kiye gaye paise ke 50% tak ka munafa harroj kama sakte hai. Aap holesell market me kam dam me leke badi hotel, restorent me vegetable supply ka contract pa sakte hai. 3. Tyre punctures and spare part Aaye din ye dhandha bhi ful phal raha hai. Aapne car ya bike ka puncture to karvaya hi hoga 50 rs se kam me to hota hi nahi hai. Kam kharch me jyada munafa pane ke liye ye best work hai. Puncture ke sath sath tube aur tyre bhi sell kar sakte hai. 4. Online business kaise kare Online business to bahot sare hai. Lekin kuch aise self business hai jinke bareme aapko batana chahta hu. Amazon, flipkart, paytm ka name aapne suna hoga. In shopping website pe online product bechke naya kam suru kar sakte hai. Basically aap jo bhi shopping site pe product bechna chahte hai. Vo site pe aapko selling account banana padega. Badme jo bhi product bechni hai vo list karni padti hai. Jab bhi aapki product koi purchase karta hai. Tab aapko munafa hota hai. Is tarah se aap online product sell karke paise kamaye ja sakte hai. 5. Xerox and typing shop Xerox and typing shop pure saal chalne vala business hai. Kisi bhi sarkari offices ya private offices ke aas pass xerox copy aur typing service ki shop aap khol sakte hai. Iske liye jyada invest karne ki jarurat nahi padegi. 6. Snacks and coffee shop Ye business kisi bhi collages ya school ke samne lagado 100% chalega. Vaise bhi collage ke ladke class room me kam canting me jyada hote hai. :) 7. Home made snack business Aapko cooking ke diwane hai. Aur atche snacks bana sate hai. To ye kaam aapke liye jyada faidemand rahega. Aap ghar baithe hi snack ki packing banakar dusri shop pe becha ja sakta hai. 8. Mobile repair ka kam Mobile repairing ka shop khol sakte hai. Sath me new mobile sell kar sakte hai. Mobile repairing me jyada kamaye hoti hai aap other country ke purane mobile ko thick karke bechenge to atchi kimit bhi milti hai. 9. Lic agents kaise bane Lic agents ki commission atchi hoti hai. Lic ke agent bankar ghar se hi sara kaam kar sakte hai. Agents banne ke liye aapko bas exam pass karni hoti hai. Badme aap kaam suru kar sakte hai. 10. Tuition classes Tuition classes kai tarah ke hote hai study, computer ya fir koi aur technical work ka tuition suru kar sakte hai. Iske liye koi alag se jagah dekhne ki jarurat hi nahi hai aapke ghar se hi vo manage kar sakte hai. 11. Electrical work Electric saman repairing workshop khol sakte hai. Repairing ke sath electrical saman sell (bech) kar sakte hai. Life style ke is zamane me tv, freeze, ac, water cooler, ki bikri hamesha rehti hi hai 12. Kirana dukan 13. Building material 14. plastic home item 15. Cold drink and ice cream shop 16. Water supply business 17. Game zone 18. Gym 20. furniture work 21. Website development 22. freelancing work 23. garment shop 24. Vehicle service station 25. Sweet shop 26. Mobile food van 27. Travel ageny business Self business open karne ke liye yaha par badhiya business tips mojud hai. Jo ki kam paise me start kar sakte hai. Ab to aap bhi self business karne ki tips jan chuke hai. Hamare business ideas ke bareme aap kya fill karte hai vo commet jariye bataye. Is post me kuch bhi interesting laga ho to social media pe sher karna na bhule. Read more : > Online paise kamane ke tarike hindi me > Credit card kya hai janiye hindi me Read the full article

#Bestbusinessideasinhindi #businesskaisekare #BusinessTips #jyadakamayeekarnevalebusiness #konsabusinesskare #Tips&trick

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omkarmalewar · 4 years

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youtube

#earn paytm cash 2020 | ludo game | Ludo king game | ludo se paise kamaye | ludo King kaise bane | ludo khelkar malamal ho jayo | ludo game paytm transfer| ludo se bank account me transfer kaise kare | To dosto es video ko last tak dekhiye jara sa bhi skip mat karna kyoki Aap badme ese smj nAhi paoge To last tak dekho.. Hyiko ludo King App link https://ift.tt/32BHUuk Ludo King Updated App link https://ift.tt/2o9DgBx #trendgame_inindia #ludogame

#IFTTT #YouTube

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elegantcrave · 4 years

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Traveling in a taxi in Bangalore: Is it a boon or a bane?

Taxis are in a surge and fulfilling all our commuting needs. Commuting in a city taxi to the airport, locally or to make an outstation trip, it can be odious or can turn out to be a benison. If you are hustled by a cab driver or any untoward situation happens to you then definitely your journey becomes a bane. In contrast, if the prices are fairly low and accompanied by a good service then it turns out to be boon for us.

App-Based Aggregators have kicked off the roads in Bangalore in an aggressive manner. In an attempt to increase their customer base in the market, they are offering us jaw-dropping discounts and offers. Premier cabs that are well air-conditioned, well -maintained in a mint condition are more prominent on the roads.

Their drivers are professional and passionate individuals. They are highly aboveboard and always carry license, insurance papers and other registration papers. They know various routes and effectively make use of Google Maps.

A Lot of local taxi in Bangalore have sprung up with their prices already pegged in their Mobile Apps. There is no haggling involved when it comes to charges and no incidents of surge pricing. Also, there are no toll charges and cancellation charges. They are the lowest fare Local taxi in Bangalore. They help us to explore the peripherals of Bangalore city.

A Lot of contemporary taxis have come up in the market with touchscreen-based Infotainment systems, Free Wi-Fi/Internet facility, wireless charging in the car, automatic climate control systems, large boot space, etc. are taking the taxi industry by storm. Multiple cabs of varying seating capacities are up and running on the roads.

Apart from this, sharing the ride with some other passengers, booking a sumptuous meal in the cab and multiple modes of payment like Cash, Debit and Credit Cards, Paytm, Google Pay, Phonepay, etc. are making the taxi industry a high-profiling industry and people are going gaga over the same. A lot many clients from across the world are taking taxi rides and are banking on their services.

Best Airport Cabs in Bangalore are getting booked with a few clicks of a button. A user has to just enter the pick-up and drop location and select the cab of their choice. Cabs will appear right at your doorsteps in a moment. This reduces the waiting time for the users.

Rides can also be scheduled well in advance by entering the date and time of the trip. On the desired date and time, a cab is waiting for you. Various economical, as well as stylish models, are available these days. Cabs have undergone a humongous amount of facelift in terms of their design and overall make-up to cater to the increasing needs of customers.

With the increase of traffic snarls and commuting woes, under construction /repaired roads and the non-availability of sufficient parking space making the people switch to the cabs.

Even by attaching our cars to the cabs, one can have additional earning. Cheapest Outstation cabs in Bangalore can make you steer your way to favorite hill stations, scenic hotspots and enjoy the vistas. They have the provision to stop the ride anywhere and anytime in case you need to hop out for taking food, to throw up, to piss off.

With these inclusive benefits and services, Taxi services are appearing to be a Boon.

However, several other factors make them appear as a bane. Many cabs with a poor customer rating actually rip-off the customers. They charge “Surge Pricing”, toll charges and cancellation charges. They do not accept all modes of payment and there is a tiff with them in terms of non-availability of change.

If it is a metered taxi then meters are not up and running and are almost damaged. Drivers are not well-acquainted with the major routes of the city and they take roundabout routes and which results in an increase of travel time along with extra charges.

Their cabs are not well -maintained and when it comes to women’s safety, they cannot be bank upon. Molestation cases against them, rash driving and drunk driving are also common occurrences in the cabs. They do not pass muster and have long waiting times. They often drop you in a location that is far from your exact destination.

Companies have compromised in terms of background checks for drivers which is alarming. These factors are leading to make us believe that riding in taxis is a bane.

Hence, it is required to read online blogs and customer ratings of taxis which will help in making our journey a memorable one and definitely it will be a boon for us.

SRSCabs offers the best cabs in Bangalore which are a class apart in their services. They are airtight in terms of their services. They can be contacted on their toll-free number (+91 9986 833339) or you may visit their website www.srscabs.com

#Airport taxi in bangalore #local cabs in bangalore #outstation cabs in bangalore

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