Friday, November 23, 2018

Broke at month end? Now no more!

Coco Chanel once said, “The best things in life are free, the second best things are very very expensive. For a fashionista, this might be a much coveted pair of Jimmy Choos or for an avid traveller it could be that backpacking trip that all their friends are going on. At some point in life, each and every one of us has sacrificed some of these second best things because of a cash crunch. This is why I want to introduce you to a revolutionary mobile app called EarlySalary that will provide you with financial assistance to live the life of your dreams. 

The company provides an instant credit line which allows you to borrow 50% of your salary. So whether you want to buy the latest smartphone or get out of town for a weekend getaway, you can use the app to take a salary advance and meet your immediate needs. EarlySalary ensures that the money is available to you within the shortest possible amount of time.




How does it work? 

Download the EarlySalary application and create a profile & share basic details details like PAN number etc. Within seconds, EarlySalary calculates your ‘Social Worth score’ to determine if you can receive a loan. Once you're clear, the money is transferred to your bank account within a few minutes. The Social Worth score is generated by combining social media data with user profile and Credit Bureau data. Even users with a no credit history are given loans as long as they fulfil the other criterias. EarlySalary charges an interest costof INR 9 per day per INR 10,000 and simplifies the concept of borrowing. 

What more can you do with EarlySalary Approved Limit? 

What I really liked about EarlySalary was the ability to use the approved limit for shopping, they have a Zero Cost EMI to shop on Amazon &Flipkart for those must have mobile phones on 6 Months EMI using the EarlySalary limit. Also you can buy your groceries on EMI through a special tie-up with Big Bazaar and EarlySalary gives you a 3 months Zero Cost EMI even for grocery shopping. Interestingly the Shopping Limit is much larger & allows you up to 6months as repayment options. 

I spent a few hours with the founders of EarlySalary & the team at their office; what was really interesting is how they are creating AI & Machine Learning in giving instant credit; the ability to give loans without even speaking to a person is really building the future of banking. The start-up already has 7 Million downloads and has disbursed 350000 instant credit & salary advances making it the largest instant credit app in the country. I loved the idea of taking a salary advance rather than a personal loan from a bank and I will recommend friends to use EarlySalary in case of any cash flow issues. 

Interestingly Travel & Weekend Holidays is also one the biggest reasons to borrow from EarlySalary while Shopping is the next largest & settling into a new city is next. The team spoke about the a 100% surge in customer demand on 3 day weekends where users borrows 50% of their salary to travel to short 3 days weekend trips like Goa, Thailand. 


Akshay, the founder of EarlySalary spoke about how youngsters come to a new town to work and how they need to find a place to live and need to fit in. Since, it is not always possible to borrow from family and friendsto pay for a deposit on an apartment or a new office wardrobe instant credit line from EarlySalary really does come to the rescue. 

Key Highlights of EarlySalary: 

Rs.5,000 to Rs.2,00,000 loan 

Instant approved Credit Limit in a matter of seconds 

Get 50% of your salary credited into your Bank Anytime 

Shop now and pay later in EMIs at Amazon, Flipkart & Big Bazaar 


About EarlySalary 
The company is co-founded by Akshay Mehrotra (CEO) and Ashish Goyal (CFO) who have over a decade of experience and have an expertisein the field of marketing, finance and technology. They recognized a recurring need among young professionals due to which they were reaching out to theirfriends and colleagues and even their employers for a salary advance. That is where they came up with the idea of developing this app as traditional banking doesn't cater to short term needs and is very slow to cater to urgent needs. Thus, EarlySalary was found to offer consumers the convenience of availing loans at a short notice with minimum legal formalities involved. 

Tie Ups and Business Partnerships 
EarlySalary has tied up with over 200 large companies in the country to offer instant salary advances to employees with no prior documentation and at a lower interest rate. They also offer interest free EMIs to buy products on major online stores like Amazon, Flipkart and Big Bazaar. 

EarlySalary is now on the list of my must have apps and I suggest that you get it too for all those big purchases and month end cash crunches. 

App 
EarlySalary has achieved over 7 Million app downloads across the country. Download the app here -for iOS and android

Monday, November 12, 2018

Featured - Pune Mirror

So excited to share that I was featured in Pune Mirror last week for a Diwali dressing special. Pune Mirror is one of the city's most widely circulated newspapers and presents city, national, and international news and views through the lens of Pune. The best part is they even put me on the front page!

Wednesday, November 07, 2018

Inaaya by CS Jewellers

Diwali is the perfect time to buy jewelry so yesterday, I visited the Magarpatta store of CS Jewellers with my mom and was amazed to see their newly launched Inaaya collection which is perfect for the new age Indian woman. The best part about his collection is it's contemporary designs that match perfectly with both Indian and western outfits. Let me show you some of my favorite pieces from this collection - 

These sparkly bangles are available in different shades of gold and I absolutely love the one with the rose gold finish!


This rose gold ring is a beautiful statement piece


My mom loved these earrings and they were super sparkly and just perfect for a traditional look


My personal favorite is these big gold jhumkas which are absolutely eye-catching


I also loved this bangle as its nice and chunky and goes well with an ethnic outfit


If gold is not your thing, the Inaaya collection also has dainty diamond jewelry pieces that are subtle yet sparkly. Here are some necklaces I loved - 





It a lovely collection and has something for everyone since both me and mom loved it. So if you're looking out to add some exquisite pieces to your jewelry, make sure to visit CS jewelers. You can visit their website here

Friday, November 02, 2018

Restaurant Review - Ales, Brews and Ciders

Ales is the perfect place for everyone whether you want to go for dinner and drinks, party or host a private or corporate event. The sprawling property boasts of a outdoor seating area as you enter along with a closed section where they host parties and then there is massive outdoor section behind where you can dine or host a private gig. I went there recently for dinner and drinks and tried out a variety of dishes and loved the food and service.

To start with, we had the Belgian wheat beer which is made using magnum hops with notes of coriander and orange peel and had a smooth finish. 


The Bacon nachos were perfect to munch on with the beer and had a generous amount of bacon so it was delicious! I also had watermelon and basil martini which had vodka, fresh watermelon juice and basil and was just perfect for a warm evening.


Being a hardcore lover of red meat, I tried the Asian Stir fried pork with veggies in a mild garlic sauce with a hint of soya. This is amazing. 


We followed this with crispy fried chilli lamb which had thin and crispy lamb pieces in a spicy asian chilli hoison and oyster sauce.


 I washed these down with a cucumber martini which had vodka, fresh cucumber, lemon and sweet and sour syrup. Again delicious and refreshing and just the perfect amount of sweetness.

After this we moved on to seafood and ordered the beer battered calamari which had crispy fried squid in a light batter. This was the best calamari I've had in Pune till date. It was fresh and flavorful. Do not miss this!


Next up I tried Prawn Momos for the first time here on the recommendation of a friend and they were incredible! Do try this if you are a momo lover. I loved these!

We also had the prawns satay which had grilled and minced prawns served on lemongrass skewers. Again really delicious.


 Lastly, I had the kiwi rock which is made with vodka, fresh kiwi, lemon and sweet and sour which is a must for kiwi lovers!

Overall, some great food and awesome drinks coupled with good service and a really nice ambience make Ales an awesome destination to wine and dine!



Address - Mulik Palace, 16/1, Wadgaon Sheri Rd, Opp. Trump Towers, Kalyani Nagar, Pune

Ales, Brews and Ciders Brewing Company Menu, Reviews, Photos, Location and Info - Zomato

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