CA Paaras Gangwal

@ThetaVegaCap75k followers

| CA, CS | TechnoFunda |Equity Research I Speaker at WIRC ICAI | Mutual Funds | Personal Finance | #BeWithWinner🏆

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1Jul 26, '24Salary 7 CR Income Tax 3 CR Business Revenue 20 crore Income Tax 50-80L Agriculture Revenue 40 CR Income Tax 00000 Political party revenue 7,000 crore Income Tax 00000 IPL revenue 70.7×2.2M26k6.9k2.3k
2Feb 24, '24A friend bought a flat for 1 crore in Pune A loan of 60 lakhs was taken out, 40 lakhs was paid in cash. Flat for rent. The rent is 30,000 1 lakh per annum for maintenance. So out o47×1.5M4.4k3471k
3Oct 14, '25Middle Class Trap:- A 27 year old got a job of 1.5L per month He bought a home worth 80L with 20 years of EMI Welcome to corporate slavery #EMI #Investing #FinancialPlanning28.4×896k2.7k159295
4Mar 29, '24If you are earning 25-30L in Salary Tax will be approx 7.5L It’s huge 🙄🙄 You are working 3 months for Government only #IncomeTax #Salary28.4×895k8.6k1.1k436
5Oct 7, '25Passport Office is one of the best Govt Office No Corruption No Bribes Everything is Process Driven Staff is polite too Applied for My Son n Mine under Tatkal recently @rpomumbai27.8×877k15k823370
6Aug 1, '24If you invest Rs. 50,000 per month at 12% CAGR Time taken to reach 10 crores - 1st crore – 9 years, 3 months 2nd crore – 4 years, 3 months 3rd crore – 2 years, 10 months 7th crore 24.2×764k4.7k4091.7k
7Aug 22, '24India to have New Income Tax act in Next 6 months - N Sitharaman DTC is coming ☹️ #IncomeTax23.2×733k4.1k231212
8Apr 14, '24BJP Announced Piped Natural Gas to all till 2029 . Who is the biggest beneficiary ?22.7×716k4.8k273245
9May 2, '25Don’t ever give loans to Friends and relatives except in medical emergencies You will regret for sure21.1×664k13k778653
10Mar 24, '25Property Hamesha Maa ke Naam aur loan wife ke naam lena chahiye #FinancialPlanning #Investing #FreeAdvice20.7×653k12k921716
11Mar 17, '25PG occupancy has been dropped by 30% in Bangalore due to mass layoffs in 2025 Recession in IT will hit badly Banglore real estate market #RealEstate20.4×643k8.5k735500
12Jun 26, '25Deadliest Combo Middle Class + Average Student + General Category + Eldest Son + Introvert + Social Anxiety + Bad Communication Skills = 💀The ultimate struggle combo 💀 #Life19.6×620k12k1k1.6k
13Dec 15, '24My father started an LIC policy for my brother in 2003 . It has just matured 2 years back and now we are getting 20K in every 2 years 😭😭😭😭 for next 10 years . And 1L at the end19.5×616k10k730642
14Sep 14, '24My father started an LIC policy for my brother in 2003 . It has just matured 2 years back and now we are getting 20K in every 2 years 😭😭😭😭 for next 10 years . And 1L at the end18.4×582k8.1k581437
15Apr 30, '24The Indian mentality : Get married, (Indian Fat wedding) Buy a house, (Huge EMI and society Maintenance) Buy a car (Status symbol) Raising kids (Fancy school) Show off in society y18.4×581k4k591916
16Jun 24, '24The Indian mentality : Get married, (Indian Fat wedding) Buy a house, (Huge EMI and society Maintenance) Buy a car (Status symbol) Raising kids (Fancy school) Show off in society y16×505k4.4k508801
17Aug 23, '24The Dark Side of CTC 10 Ipa CTC = 68000 per month salary 20 Ipa CTC = 1,20,000 per month salary 30 Ipa CTC = 1,75,000 per month salary 40 Ipa CTC = 2,28,000 per month salary 50 Ipa15.4×485k3.2k3731.1k
18Nov 16, '25Food Delivery Players Before 2020 :- 🟢Zomato 🟢Swiggy 🔴FoodPanda 🔴 Uber Eats 🔴 Just East 🔴 Ola Post 2020 🟢Zomato 🟢Swiggy Duopoly here also like Telecom14.7×464k9.6k387276
19Jul 27, '25Most of the IT guys won’t have job security after 40-45 TCS is laying off😨 Infy is not giving raise 😨 Kindly plan your finances accordingly !! #FinancialPlanning #Investing #Mutu14.3×450k6.6k567547
20Apr 15, '24Ideal Income Tax rate Should be No Tax :- Upto 10L 10% :- 10L to 25L 20% :- 25L to 50L 30% :- Above 50L Govt should think about this !! #IncomeTax #TaxPlanning14.1×446k8.1k1.4k146
21Aug 3, '25Why there is all of sudden anger against Ethanol Blending ? What am I missing ?14×443k3.8k202247
22Sep 27, '25RBI skips buying US Dollar in July First time in Decade #USDINR13.9×440k11k939198
23Jul 17, '25Karnataka State GST Department sends notices to massive 13000 street vendors Businessman will shift to Cash 😀 #GST #NoUPI13.7×431k6.6k565146
24Dec 31, '23On an Salary of Around ₹40 Lakh Annually You Pay Income Tax of Over ₹8-₹10 Lakh That’s Roughly ₹75K-80K Monthly in Taxes But Businessman is paying not even 50% Tax on same income �13.1×414k3.4k280247
25Jul 27, '25TCS is laying off 12000 Employees over the course of the year If TCS is laying off then what will be the situation in Other IT Firms ? Looks Horrible #TCS11.4×361k4k368254
26Oct 21, '24Don’t ever give loans to Friends and relatives except in medical emergencies You will regret for sure11.1×351k7.6k468354
27Oct 5, '25How many people are using ur mobile Number from last 10 Years ? I am using from 14 years11.1×351k4.4k14793
28Aug 15, '24Ideal Income Tax rate Should be No Tax :- Upto 10L 10% :- 10L to 25L 20% :- 25L to 50L 30% :- Above 50L Govt should think about this !! This will be big relief to Middle Class #Inc10.8×341k8.4k1.5k162
29May 17, '25If you have Lump-sum amount of 1 Crore , Just Invest in any Balanced Advantage or Aggressive Hybrid Fund Wait for 1-2 Year Then Start SWP :- 50-60K PM Increase Monthly amount by 1010.4×329k2.8k2291.8k
30Jul 4, '24My father started an LIC policy for my brother in 2003 . It has just matured 2 years back and now we are getting 20K in every 2 years 😭😭😭😭 for next 10 years . And 1L at the end10.4×327k3.1k158236
31Sep 20, '25Is it Sunset for India’s IT Sector ? Or SunRise ? #H1B10.2×322k3.9k157143
32Jul 4, '25I am Marwadi Studied in Marathi School Can talk and Understand Marathi very well One should always learn Local language👌 #Maharashtra10×316k7k612100
33Jul 25, '2512L Package is New 3L for IT Professional Everyone is making at least 12L in IT Sector #IT9.7×307k4.9k149322
34Nov 9, '25India’s income ladder (Annual Household Income): 🪙 Poor: < 4L 💼 Lower Middle: 4L–12L 🏠 Middle Class: 12L–30L 🚗 Upper Middle: 30L–70L 💰 Rich: 70L–2Cr 👑 Ultra Rich: 2Cr+ I a9.6×304k3.2k212704
35Oct 30, '25Govt is preparing the next big phase of mergers ✅Indian Overseas → Merge with SBI ✅Central Bank → Merge with PNB ✅Bank of India → Merge with BoB ✅Bank of Maharashtra → Merge with B9.2×290k5.1k506611
36Oct 12, '25Disappeared like never existed #90’sKids #Memories9.1×287k9.6k644448
37Feb 15, '25Big Relief to Middle Class No need to pay STCG on Equity for this FY 😄 Master Stroke 🔥🔥🔥 #Investing #IncomeTax9.1×287k3.6k201156
38Aug 13, '24GST on Jewellery is 3% GST on Health Insurance is 18% Ye Kya Logic he ? #GST9.0×285k4.7k67964
39Jan 30, '25Ideal Income Tax rate Should be No Tax :- Upto 10L 10% :- 10L to 25L 20% :- 25L to 50L 30% :- Above 50L Govt should think about this !! This will be big relief to Middle Class #Inc9.0×283k3.1k44379
40Feb 25, '25PVR Inox No return in last 9 Years OTT killed theatre business completely #PVRInox8.9×280k4.3k163109
41Oct 3, '24The Middle Class is in a trap👇 25 Lakhs for wedding 50-60 Lakhs on a Home loan 10 Lakhs on a Car Loan Too many expenses on Birthdays and Anniversaries to show it off Just because 8.6×271k3.7k452406
42Oct 4, '25Come out of Show Off MindSet #GoodMorning8.3×263k9.3k1.9k2.3k
43Nov 14, '24Parag Parikh Flexi Cap 52 Week High NAV :- 89.60 13th Nov NAV :- 85.59 Cash Call by @PPFAS is truly commendable . Personally invested in this fund . #PPFAS #Investing8.2×260k3.5k155503
44May 29, '25There are 2 types of people in the world: 1. Salary 25K, Using iPhone 2. Salary 1L, Using Oppo What kind of person you are 😄 #PersonalFinance8.1×255k4.3k191213
45Feb 10, '25INR is near 88 😨😨😨 It was 83-84 few months back #USDINR8.1×254k5.6k40053
46Sep 4, '25Cement was under 28% GST Slab earlier But now reduced to 18% 10% Cut in Cement is huge boost for Infra #Cement #GST8.0×251k9.1k68467
47Jan 28, '25One client of mine Age is 55 Investing in Mutual Funds from 2006 ( I was in School in 2006 😂) He saw 2008 , 2013 , 2018 , 2020 and now 2025🥲 He is keep adding in MF in every Fall7.6×240k3.3k120132
48Oct 21, '25Gold is down by 4% Silver is down by 7% Nifty is making 52 Week High Understand the sign of market Both are at Weekly Low now #Gold #Silver7.4×235k5.2k205242
49Sep 28, '25The Dark Side of CTC 10 Ipa CTC = 68000 per month salary 20 Ipa CTC = 1,20,000 per month salary 30 Ipa CTC = 1,75,000 per month salary 40 Ipa CTC = 2,28,000 per month salary 50 Ipa7.2×228k3.7k245996
50Jun 1, '25Govt is prioritising lower denomination notes Soon 500 rs notes will vanish from market like 2000 . Objective is to promote Digital Transaction and to prevent Black money👍7.0×220k3.7k287118
51Sep 14, '24The Reality Behind CTC: 10 LPA CTC: ₹68,000 per month 20 LPA CTC: ₹1,20,000 per month 30 LPA CTC: ₹1,75,000 per month 40 LPA CTC: ₹2,28,000 per month 50 LPA CTC: ₹2,82,000 per mont7.0×220k3k322703
52Jan 3, '25Now , Panipuri wala getting notice on the basis of UPI Payments . Govt is tracking everyone 👍 #GST #PaniPuri6.9×219k5k323112
53Jul 24, '25Karnataka withdraws GST notices to milk sellers, vegetable vendors Why But ? If they are above threshold , then let them register under GST Why only Salaried class pay taxes honest6.7×211k5.2k94071
54Aug 8, '24The Middle Class is in a trap👇 25 Lakhs for wedding 50-60 Lakhs on a Home loan 10 Lakhs on a Car Loan Too many expenses on Birthdays and Anniversaries to show it off Just because 6.3×200k2.7k276302
55Oct 12, '25Centre is going to privatise Power Distribution Going to amend Electricity act 2003 It will allow multiple distributor in one City , Just like Telecom #Power6.3×198k4.7k388182
56Oct 21, '24If your taxable Salary is 25-30L Tax will be approx 5-6L It’s huge 🙄🙄 You are working 2-3 months for Government only #IncomeTax #Salary #TaxPlanning6.2×196k3.3k362115
57Sep 4, '2575K Salary in Tier II and III :- You are Rich 150K Salary in Tier I :- You are Broken Tier II and III have more peaceful life than Tier I What u think ? #Life6.1×193k4.5k239194
58Jan 26, '25If you are earning 25-30L in Salary Tax will be approx 5-7.5L It’s huge 🙄🙄 You are working 3 months for Government only #IncomeTax #Salary5.9×186k4.2k636113
59Oct 5, '24I am ready to spend 10L on Vacations But Not ready to pay 5L on Kid’s First Birthday 😄 I am earning for my family ♥️, not for society #FinancialPlanning5.7×179k3.5k180145
60Sep 20, '25#H1B #USVisa 🟥 Old Fee - $995 PER VISA 🟩 New Fee - $100,000 "PER YEAR Big blow to Indian IT Companies5.6×177k4.7k368187
61Mar 5, '25RBI injects ₹1 LAKH CRORE liquidity! 🚨 RBI is in Full Action Mode #RBI5.3×168k2.8k12679
62Sep 11, '25Big reforms coming in EPFO Proposals for allowing partial withdrawal from EPFO through Banks and UPI Easy withdrawal is not good at all What u think ? #EPFO5.2×166k2.8k150109
63Sep 22, '24Blessed with Baby Boy🥳🥳🥳5.2×163k4.4k3315
64Jan 16, '25Owning House on own Land in Tier II or III City is much peaceful than holding Flat in Tier I Life is Simple in small cities #Home5.1×162k4.5k242157
65Feb 9, '25My definition of middle class is simple, If your sofa is touching the wall with no space in between, you are definitely middle class. 👍 #MiddleClass5.1×162k3.2k139160
66Aug 30, '25Deadliest Combo Middle Class + Average Student + General Category + Eldest Son + Introvert + Social Anxiety + Bad Communication Skills = 💀The ultimate struggle combo 💀 #Life5.1×160k4.7k504553
67Jan 13, '25Retailers Trapped Madamji Master stroke 🔥🔥🔥 No LTCG STCG for this year 😂 #IncomeTax #CapitalGain5.0×159k2.9k22142
68Jan 28, '25BJP have 5400 Crore FD only 😨😨😨 So Party is Financial Independent now 😂 #BJP4.9×156k3.4k30858
69Mar 15, '25Basic Finance Rule Never Ever lend money to Your Friends and Relatives You will thank me later 😄 #FinancialPlanning4.9×155k2.8k179154
70Jul 21, '25If TCS, Infosys, Tech Mahindra didn’t exist . Millions of Tier II & Tier III college graduates would be jobless. Do u agree ? #TCS #Infosys #TechM4.8×152k2.9k16757
71Nov 30, '24Salaried Class are Real Soldier of India They are running the country by paying 30-35% Income Tax You guys are working 3 month for Government 🫡 Thank You 😄 #IncomeTax #Investing4.5×143k3.7k51468
72Sep 29, '24What is Life ? Life is all about : 1 to 10 : Age Kitna 10 to 20 : Marks Kitna 20 to 30 : Salary Kitna 30 to 40 : Kids and SIP Kitna 40 to 50 : Wealth Kitna 50 to 60 : BP & Suga4.5×141k3.2k438393
73May 11, '24There are no handsome or ugly men after 30s It's either you're rich or poor😀4.4×139k3k197133
74Aug 25, '24What is Life ? Life is all about : 1 to 10 : Age Kitna 10 to 20 : Marks Kitna 20 to 30 : Salary Kitna 30 to 40 : Kids and SIP Kitna 40 to 50 : Wealth Kitna 50 to 60 : BP & Suga4.3×137k3.2k467328
75Nov 2, '24Dear All Without Money , Only Mother will love u 🙁 #Whatsapp4.3×136k3.5k217104
76Aug 12, '25Jio Finance is offering Income Tax Filing for just 24🤭 They developed in partnership with Tax Buddy Reliance is known for Disruption #JioFinance4.3×135k3.1k169172
77Oct 31, '25There is more demand of Plumber , Electrician , Carpenter than any White Collar Jobs Youth consider them as lower class job, but trust me , You will make more in it 😄 #Jobs4.3×134k3.1k264143
78Sep 23, '25Salary: ₹70K EMI on Royal Enfield: ₹6,500 iPhone EMI: ₹6,000 No Saving No health cover. Don’t be like This !! #MiddleClassTrap4.2×132k3k139139
79Oct 8, '25Many Govt Officials are Switching to Zoho What’s coming 🤔🤔 #zohomail4.2×132k4.8k32136
80Nov 15, '25Life of Elder Son !! #Life4.1×130k4.5k9042k
81Oct 29, '25Don’t ever give loans to Friends and relatives except in medical emergencies You will regret for sure #FreeAdvice4.1×130k4.3k292136
82Jul 12, '25Govt may scrap the 12% GST slab to simplify tax structure. Term insurance may move from 18% ➡️ 0% GST - Much Needed Reform #GST #TaxReforms4.1×130k2.9k20241
83Oct 25, '25Life was simple in 90’s #HappyLife @memorable_90s4.0×128k4.4k7901.2k
84Jun 18, '24Person earning 1 lakh per month and purchasing 20k mobile. He is poor. But Person earning 50k per month and purchasing 1 lakh mobile using EMI He is Rich. This mindset needs to be 3.8×119k2.7k21499
85Nov 12, '24Basic Finance Rule Never Ever lend money to Your Friends and Relatives You will thank me later 😄 #FinancialPlanning3.7×117k2.8k188144
86Oct 13, '25School Fees , HealthCare is increasing 10% per Year But , Inflation is increasing at 1.8% only Bolo Kaise ? #Inflation3.5×111k3.2k49454
87Nov 22, '2480C limit in 2014: 1,50,000 80C limit in 2024: 1.50,000 Technically , Govt reduce the limit to half 😄 by considering 7% inflation Our economy is shifting from Saving based to cons3.5×109k3.2k59693
88Feb 13, '25SIP Stoppage at Peak People are losing interest in Market This is good for markets 😂 The less people talk , Good for all #Nifty #Investing3.4×109k2.7k11563
89Jun 6, '2530 years ago Parents wanted good men for their daughters. Now: They want good women for their sons. Times have changed. 😊❤️3.2×102k4k324176
90Jul 20, '25Fake goals: ❌1st iPhone ❌1st Maldives trip ❌1st Louis Vuitton bag Real goals: ✅10L Emergency Fund ✅Debt Free ✅5Cr Financial Freedom #WealthBuilding #FinancialGoals #PersonalFinance3.1×98k3.1k251248
91Mar 10, '25New demat account openings at a 21-month low People are losing interest in market . Very Good for Market😂 #Nifty3.1×98k2.9k11465
92Nov 5, '2512L is still dream salary for many people in India No income tax till 12L is big boost for Middle Class #IncomeTax3.1×97k2.9k9068
93Aug 19, '25Yesterday Jio and Today Airtel Remove their 1GB Plan Welcome to Duopoly #Jio #Airtel3.0×94k3.7k32735
94Nov 1, '25At 21 , Your Face Matters At 31 , Your wallet does #Life3.0×94k3.4k202158
95Oct 4, '25Money is not everything But it helps to buy everything 😁 #Life2.9×90k4k5541.5k
96Nov 16, '25Fake goals: ❌1st iPhone ❌1st Maldives trip ❌1st Louis Vuitton bag Real goals: ✅10L Emergency Fund ✅Debt Free ✅5Cr Financial Freedom #WealthBuilding #FinancialGoals #PersonalFinance2.8×87k3.5k255360
97Oct 3, '25Zoho is going Crazy #Zoho2.7×86k2.7k16220
98May 17, '2512L is still dream salary for many people in India No income tax till 12L is big boost for Middle Class #IncomeTax2.4×74k2.7k12455
99Jun 9, '25Finance Minister Received 8000 Crore Dividend from SBI Govt is now Financially Independent 😂 #SBI2.2×70k2.9k12332
100Oct 3, '25Marwadi’s♥️1.9×59k3.3k5351.7k

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