FinLit Guru

Paisa ki baat, aasaan bhasha mein

A finance education channel that explains banking and money topics in simple, memorable language for beginners and Hindi-speaking viewers: KYC, loan application journey, ROI, interest, SIP and core financial terms.

Branding

Profile icon

A golden rupee coin with a glowing lightbulb on deep navy.

Banner

Deep navy with gold and teal line-art of rupee coins, a rising bar chart, a lightbulb and a piggy bank, with the title and tagline in the centre.

Colour palette

#0b1f3f navy

#ffcd46 gold

#6edcd7 teal

Tagline

Paisa ki baat, aasaan bhasha mein

Channel description

FinLit Guru: paisa ki baat, aasaan bhasha mein! 💰 Banking aur finance ko simple kahaniyon, analogies aur yaad rakhne wale mnemonics ke saath samjho. Beginners aur Hindi-English viewers ke liye. Is channel par seekho: ✅ KYC process kya hai aur kyun zaroori hai ✅ Loan application journey, step by step ✅ ROI, interest (simple vs compound) aur EMI ka matlab ✅ SIP ke fayde aur mutual fund basics ✅ Core financial terms, bina jargon ke Har video: ek concept, ek rupee example, ek mnemonic. Naye videos regularly aate hain, toh subscribe karke bell icon dabao! 🔔 Keywords: finance education Hindi, banking basics, KYC, loan kaise milta hai, ROI, SIP, compound interest, EMI, financial literacy India. Disclaimer: Ye channel sirf education ke liye hai. Yahan ki koi bhi jaankari financial advice nahi hai. Koi bhi financial decision lene se pehle qualified advisor se salah lein.

Next video: 0% EMI Ka Sach

Status: Reel draft ready (not published)

Education only, not financial advice. All numbers are an illustrative example, not an offer.

Reel drafts

Draft for review. Education only, not financial advice.

Version 4: female Hindi voice

Download Version 4 (mp4)
Contact sheet (v4)

Version 3: male Hindi voice

Download Version 3 (mp4)
Contact sheet (v3)

Audio: Hindi. On-screen captions: English.

Mnemonic: KHEL

Kul rakam, Hidden fee, EMI miss, Lost discount. Hook: “Zero nahi, KHEL samjho!”

Example assumptions

Phone listed Rs 30,000. Upfront price with Rs 1,500 cash discount = Rs 28,500. 0% EMI = 6 x Rs 5,000 = Rs 30,000. Processing fee Rs 199 + 18% GST = Rs 234.82. Monthly compounding.

Result

about 1.49% per month = about 17.8% a year; with the fee about 20.7% a year. If there is no cash discount and no fee, the 0% EMI can truly cost no extra.

45s reel (480x854)

Time	On-screen text (max 6 words)	Voiceover (Hinglish)	Voiceover (Devanagari for the voice artist/TTS)
0-3s	"0% EMI = FREE?" / small: "Sirf education"	"Zero percent EMI matlab free? Ruko! Ye sirf education hai, financial advice nahi."	"ज़ीरो परसेंट ईएमआई मतलब फ्री? रुको! ये सिर्फ़ एजुकेशन है, फ़ाइनेंशियल एडवाइस नहीं।"
3-10s	"Phone ₹30,000" / "6 × ₹5,000"	"Phone tees hazaar ka. Dukaan bole: chhe mahine, paanch-paanch hazaar, byaaj zero."	"फ़ोन तीस हज़ार का। दुकान बोले: छह महीने, पाँच-पाँच हज़ार, ब्याज ज़ीरो।"
10-18s	"Cash price: ₹28,500"	"Lekin raaz ye hai: ek saath paise do to pandrah sau ka discount. EMI lo to wo discount gaya."	"लेकिन राज़ ये है: एक साथ पैसे दो तो पंद्रह सौ का डिस्काउंट। ईएमआई लो तो वो डिस्काउंट गया।"
18-26s	"Lost discount = hidden cost"	"Matlab aapne athaaees hazaar paanch sau udhaar liye, aur tees hazaar lautaye. Ye lagbhag atthaarah percent saalana ke barabar hai."	"मतलब आपने अट्ठाईस हज़ार पाँच सौ उधार लिए, और तीस हज़ार लौटाए। ये लगभग अठारह परसेंट सालाना के बराबर है।"
26-33s	"+ Fee ₹199 + GST"	"Processing fee aur GST jodo to lagbhag ikkees percent. Aur EMI miss hui to late fee alag."	"प्रोसेसिंग फ़ीस और जीएसटी जोड़ो तो लगभग इक्कीस परसेंट। और ईएमआई मिस हुई तो लेट फ़ीस अलग।"
33-41s	"K · H · E · L"	"Yaad rakho KHEL: Kul rakam, Hidden fee, EMI miss, Lost discount. Lene se pehle chaaron check karo."	"याद रखो खेल: कुल रकम, हिडन फ़ीस, ईएमआई मिस, लॉस्ट डिस्काउंट। लेने से पहले चारों चेक करो।"
41-45s	"0% ≠ FREE. Check KHEL."	"Zero nahi, KHEL samjho! Sirf education, financial advice nahi."	"ज़ीरो नहीं, खेल समझो! सिर्फ़ एजुकेशन, फ़ाइनेंशियल एडवाइस नहीं।"

Long-form chapters (about 8:00)

Time	Chapter	On-screen text
0:00	Hook + disclaimer	"0% EMI: FREE?" / "Education only"
0:40	Story: Rohan's Diwali phone	"Rohan ka Diwali phone" / "₹30,000"
1:30	0% EMI ka matlab	"EMI = Equated Monthly Installment" / "Byaaj = interest"
2:45	Kharcha kahan chhupta hai	"3 chhupne ki jagah" / "1. Discount 2. Fee 3. Price"
4:15	Rupee example	"₹28,500 vs 6 × ₹5,000" / "≈ 17.8% saalana"
5:30	EMI miss ho jaye to	"Late fee + interest?" / "Credit score pe asar"
6:30	Asli cost kaise check karein: KHEL	"K · H · E · L"
7:30	Recap + mnemonic	"Zero nahi, KHEL samjho!"
7:50	Closing disclaimer	"Education only"

Image prompts (thumbnail, reel frames, long-form chapters)

(ready to generate)

Style block (append to every prompt): "FinLit Guru visual style: deep navy blue background (#0b1f3f), gold (#ffcd46) and teal (#6edcd7) accents, clean modern flat vector finance-education look, soft glow, high contrast, uncluttered, Indian context. NO text, no letters or numbers inside the image (text is added in editing)."

Brand icon for reference: golden rupee coin with a glowing lightbulb above it on navy.

Thumbnail (16:9, 480p export, keep center-left clear for text "0%" + "?"):

T1. "A giant glowing golden 0% coin on the left, cracked slightly, a golden question mark hovering above it, small price tag and phone silhouette on the right, dramatic gold rim light on navy."
T2 (alternate). "Split composition: left a shining gold gift box labelled by a tag, right the same box with a hidden compartment revealing small coins and a receipt, navy background."

Reel frames (9:16, 480x854):

R1 (0-3s hook). "Vertical frame: large golden coin with a zero mark in the center and a golden question mark above it, glowing lightbulb icon in the top corner, navy background, space at bottom for captions."
R2 (3-10s). "Vertical frame: a modern smartphone floating in the center, six small gold coins arranged in a row beneath it like installments, soft teal glow, navy background."
R3 (10-18s). "Vertical frame: two price tags side by side, one gold tag (cash price, glowing), one grey tag (EMI price), a small scissors cutting away a gold discount ribbon, navy background."
R4 (18-26s). "Vertical frame: a steep gold line-art rising arrow behind a stack of rupee coins with a small magnifying glass over the top coin, teal highlights, navy background."
R5 (26-33s). "Vertical frame: a paper bill receipt with several small tag icons peeking out of its folds (fee, tax), gold coin dropping onto it, navy background."
R6 (33-41s). "Vertical frame: four large glowing icon tiles in a 2x2 grid: a calculator, a hidden-fee magnifier, a calendar with a red marker, a discount ribbon; gold outlines, navy background, no text."
R7 (41-45s). "Vertical frame: the FinLit Guru golden rupee coin with lightbulb centered and glowing, soft teal waves at the bottom, calm trustworthy mood, navy background."

Long-form chapter visuals (16:9):

L1 Hook. "Wide frame: a bright shop window with a glowing 0% sign made of gold light, a smartphone on a pedestal, festival diyas along the edge, navy night background."
L2 Story. "Wide frame: a friendly young Indian man in a casual shirt looking at a smartphone in a shop, warm Diwali lights and diyas in the background, gold and navy tones, cinematic flat illustration."
L3 Meaning. "Wide frame: a bar of chocolate split into six equal pieces on a navy table, each piece with a small gold coin, soft teal glow."
L4 Hiding places. "Wide frame: a gold thali with three covered dishes, one lid lifting to reveal a coin, a receipt, and a price tag, navy background."
L5 Rupee example. "Wide frame: two balance scales, left side with one gold coin pile (28,500 idea), right side with six equal coin stacks, subtle gold line-art rising arrow, navy background."
L6 EMI miss. "Wide frame: a calendar page with one date circled in warm orange, a small warning triangle icon and a downward credit gauge, gold and teal accents on navy."
L7 KHEL checklist. "Wide frame: a clean checklist board with four glowing check circles in a vertical list and a magnifying glass, gold and teal on navy, space on the right."
L8 Recap. "Wide frame: the golden rupee coin with lightbulb at center, four small gold icons orbiting it, soft teal waves, navy background."

Next reel draft: Diwali Budget, the 5-3-2 Thali

Status: Reel draft ready (not published)

Education only, not financial advice. The ₹20,000 example is illustrative.

Female Hindi voice (45 s, 480x854)

Download Diwali reel (mp4)
Contact sheet

Audio: Hindi. On-screen captions: English. Analogy: a thali cut into 10 slices. 5 = needs, 3 = wants (Diwali spending), 2 = savings. Mnemonic: “Paanch, teen, do.”

Time	On-screen text	Voiceover (Hindi)
0:00	DIWALI GONE, MONEY GONE? / Try 5-3-2	दिवाली गई, पैसे भी गए? अगली बार ये फ़ॉर्मूला आज़माओ।
0:05	₹20,000 / month = 10 slices of a thali	मान लो महीने के बीस हज़ार। एक थाली सोचो, दस हिस्सों की।
0:11	50% NEEDS = ₹10,000	पाँच हिस्से ज़रूरतें: किराया, राशन, बिल, फ़ीस, कुल दस हज़ार।
0:17	30% WANTS = ₹6,000	तीन हिस्से चाहतें: मिठाई, कपड़े, सजावट, गिफ़्ट। कुल छह हज़ार। दिवाली का खर्चा यहीं से।
0:25	20% SAVINGS = ₹4,000 / set aside FIRST	दो हिस्से बचत: चार हज़ार। इन्हें पहले ही अलग रखो।
0:30	Fix the Diwali limit first / Over ₹6,000 = savings or needs get cut / 5 · 3 · 2	दिवाली का बजट पहले तय करो। छह हज़ार से ऊपर, तो बचत कटेगी। याद रखो: पाँच, तीन, दो।
0:39	Education only, not financial advice	बस एक आसान नियम। सिर्फ़ एजुकेशन, फ़ाइनेंशियल एडवाइस नहीं।

Trending in finance education, 3 Nov 2026

‘Trending’ means heavy news and X coverage in the last ~7 days, not measured search volume (Google Trends/YouTube Trending were not checked).

RBI repo hike to 5.50% (7 Oct), stance changed to "calibrated tightening". It was the first hike in about 4 years, and floating-rate EMIs are now in focus. Source: The Hindu, "RBI MPC meeting highlights: Repo rate hiked to 5.5%": https://www.thehindu.com/business/rbi-monetary-policy-meeting-decision-on-repo-rate-live-updates-october-7-2026/article71554262.ece. Angle: "Repo badha, EMI kyon badhi?" in 4 steps from RBI to your EMI.
UPI MDR of 0.4% on merchant payments above ₹2,000, delayed to "post-Diwali". The date is still not announced, there is a Supreme Court hearing, and Diwali is 8 Nov. Sources: NPCI FAQ (updated 15 Oct): https://www.npci.org.in/uploads/FA_Qs_Merchant_Discount_Rate_MDR_on_Select_UPI_P2_M_Transactions_Updated_15_October_2026_a1f433513f.pdf ; BusinessLine: https://www.thehindubusinessline.com/money-and-banking/upi-mdr-rollout-postponed-until-after-diwali-new-date-to-be-announced/article71579088.ece. Angle: "Kya UPI ab free nahi?" Who pays (the merchant, not the person paying), and the ₹2,000 line.
Digital arrest scams: the Supreme Court says banks may have to compensate victims, and RBI KYC Amendment Directions 2026 are expected by 30 Nov. About ₹800 cr was lost in 2026. Sources: IBC Global Times: https://ibcglobaltimes.com/news/supreme-court-banks-must-compensate-digital-arrest-fraud-victims-rbi-kyc-rules/ ; X News "India's Top Court Slams Digital Arrest Scams" (30 Oct): https://x.com/i/trending/2115779495546228947. Angle: "Digital arrest naam ki koi cheez nahi", plus 1930 and cybercrime.gov.in.
SEBI: direct plans are the default on AMC platforms from 1 Nov. Source: X News (29 Oct): https://x.com/i/trending/2115683942192021584. Angle: direct vs regular plans and expense ratio, with ₹ math.
SEBI "Samajh Se Investing Simple" / Project Jagrook: broker apps must show awareness messages from 1 Nov, plus the MUST student programme and a SEBI WhatsApp channel. Sources: SEBI release: https://www.sebi.gov.in/sebi_data/attachdocs/oct-2026/1791210984403.pdf ; Outlook Money (1 Nov) on the SEBI chief's warning about social-media tips: https://www.outlookmoney.com/invest/sebi-tuhin-kanta-pandey-investor-awareness-digital-investment-frauds. Angle: "Finfluencer tip vs SEBI Check: payment kaise verify karein."
SIP inflows at a record ₹32,490 cr (Sep 2026), with 10.06 cr contributing accounts. October data is not out yet; it is likely around 10–12 Nov. Sources: AMFI: https://www.amfiindia.com/mutual-fund ; Mint: https://www.livemint.com/mutual-fund/mf-news/mutual-funds-new-sip-registrations-outnumber-discontinued-plans-inflows-hit-record-32-490-crore-11791887723937.html. Angle: "10 crore log SIP kar rahe hain, SIP hai kya?" and ₹250 Chhoti SIP.
Diwali loan/EMI offers ("zero interest", fee waivers). Source: India Today, "Diwali loan offers look tempting…" (26 Oct): https://www.indiatoday.in/business/personal-finance/story/diwali-loan-offers-zero-interest-loans-hidden-charges-3024948-2026-10-26. Angle: "0% EMI ka sach": processing fee, APR and total repayment.
Dhanteras gold: digital gold vs gold ETF, and SEBI's caution on digital gold. Sources: BusinessToday (3 Nov): https://www.businesstoday.in/personal-finance/story/why-wait-for-dhanteras-to-buy-gold-expert-explains-sip-advantage-amid-digital-golds-growing-popularity-565363-2026-11-03 ; SEBI caution (Nov 2025): https://www.sebi.gov.in/sebi_data/attachdocs/nov-2025/1762580259409.pdf. Angle: the 4 forms of gold and which ones are regulated. Seasonal.
Credit bureau reporting is now 4 times a month (since 1 Jul 2026). This is not a weekly score refresh. Source: RBI notification: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13180&Mode=0. Angle: "CIBIL kab update hota hai?" Myth vs fact. Evergreen; recent coverage was not verified.
EPFO wage ceiling raised to ₹25,000, plus faster auto-claims (EPFO Foundation Day, 1 Nov). Source: X News: https://x.com/i/trending/2116140158562996237. Angle: "PF ab kisko milega?" A salary-slip explainer.

Also seen, lower fit: RBI FEMA EDF relief for freelancers and YouTubers (Mint, 2 Nov: https://www.livemint.com/money/personal-finance/rbi-amends-edf-rules-for-service-exporters-freelancers-under-fema-10-lakh-threshold-relief-for-resident-individuals-11793665732487.html). The IDBI sale and FII flows are political or market news, so skip them.

Topic lists

(a) Banking basics

Repo Rate Badha: Aapki EMI Kitni Badhegi? [T1]
Floating vs Fixed Loan: Rate Badhe To Kya Ho? [T1]
UPI Charge Kis Par? ₹2,000 Wala Sach [T2]
KYC Kyun Zaroori? Digital Arrest Se Bachne Ka Raaz [T3]
0% EMI Offer: Free Hai Ya Chhupa Kharcha? [T7]
Loan Kaise Milta Hai? 5 Steps Mein Samjho
CIBIL Score Kab Update Hota Hai? Myth vs Fact [T9]
UPI vs NEFT vs RTGS vs IMPS: Kab Kaunsa?
Flat vs Reducing Rate: Loan Ka Asli Interest

(b) Investing

SIP Kya Hai? 10 Crore Log Kyun Kar Rahe? [T6]
Direct vs Regular Plan: Fark Sirf Commission? [T4]
Expense Ratio: 1% Ka Fark, 20 Saal Baad [T4]
₹250 SIP Se Shuru? Chhoti SIP Samjho [T6]
Finfluencer Tip vs SEBI Check: Kaise Verify Karein [T5]
Gold ETF vs Digital Gold: Regulated Kaun? [T8]
ROI Kya Hota Hai? ₹1,000 Ka Example
Index Fund = Thali? Basket Investing Samjho
Demat Account Kya Hai? 5 Steps Mein
Risk Pehle, Return Baad: Market Kyun Girta Hai?

(c) Everyday money skills

Digital Arrest Scam: 1930 Pe Call Kab Karein? [T3]
Diwali Budget: 50-30-20 Rule Desi Style [T7]
Emergency Fund: Kitne Mahine Ka Rakhein?
FD vs RD: Kaunsa Kab Kaam Aata Hai?
Inflation: ₹100 Ki Value 10 Saal Baad?
PF Ceiling ₹25,000: Salary Slip Pe Kya Badla? [T10]
Tax Saving Basics: Old vs New Regime Kya?
Loan App Scam: 5 Red Flags Pehchano [X: Chinese loan apps story]
Credit Card Minimum Due Ka Jaal

Do first this week

Digital Arrest Scam: 1930 Pe Call Kab Karein? Peak news, SC/RBI deadline on 30 Nov, and it is evergreen.
UPI Charge Kis Par? ₹2,000 Wala Sach. The date could be announced right after Diwali (8 Nov).
0% EMI Offer: Free Hai Ya Chhupa Kharcha? Must go out before Diwali.
Repo Rate Badha: Aapki EMI Kitni Badhegi? Reuses the 4-step eval from our banking skill.
Direct vs Regular Plan: Fark Sirf Commission? SEBI change effective 1 Nov.

What’s working and how to do it our way

(a) What gets the most views (counts are vidIQ figures, checked 2 Nov 2026):

Pranjal Kamra (6.5M subs, 409.8M total views): "How to be Rich with a Salaried Job?" 2.36M; "Picking Good Stocks for Yourself" 2.17M; "Complete Zerodha Kite tutorial for Beginners" 2.06M; "Smart Steps to increase your wealth by 40%" 1.96M. https://vidiq.com/youtube-stats/channel/@pranjalkamra/
CA Rachana Ranade (5.41M subs, 348.7M views): "Lumpsum or SIP, which is better?" 1.89M; "How to Smartly Save Taxes on Stock Market Gains?" 1.73M; "When Should You Buy Your First House?" 1.13M. https://vidiq.com/youtube-stats/channel/@carachanaranade/
Topic pattern from these: salaried-person wealth, SIP vs lumpsum comparisons, tax saving, first-time "how-to" tutorials, and big life decisions (house). Note that some top videos are stock-picking or "best fund" videos, which we will not make.

(b) How it's made (inferred from titles and channel descriptions, because the videos were not watched): long-form talking-head or whiteboard explainers. Titles are a question ("which is better?", "When should you…?") or a relatable persona ("salaried job") or a number promise ("40%"). Delivery is in Hindi/English. Lessons are structured like a teacher's, with comparisons and step-by-step tutorials. Thumbnail style was not verified.

(c) Our original, better version (no copying):

Comparisons as a story, not a lecture: for example, "Ramesh vs Suresh: one does SIP, one does lumpsum", with a ₹ worked example and the risk stated first.
A mnemonic in every video (for example "MAANGO-DIKHAO-PARKHO-MANZOOR-PAAO"), repeated 3 times and used in a pinned recall comment. The big channels don't make mnemonics their signature.
Desi analogies (thali = mutual fund, dukaan order = loan application) and Hinglish VO, kept to short reels plus 5–8 minute long-form.
5-step breakdowns tied to the week's news (repo, UPI MDR, SEBI direct plans), so we're timely where the big channels lean evergreen.
No-picks trust angle: no "best fund" titles, and use "historically/on average". Make the safety niche (scams, KYC, 0% EMI traps) ours.
Graphic presenter-free style (navy/gold system) at 480p, with a bold ₹ number or one visual metaphor in each thumbnail.