u/LatterOne9009

Many people are often confused as to why Samsung Pay or Google Pay wouldn’t let them add their cards for tap & pay. The reason is that not all banks are supported - but it’s not just a bank level filter either. There are also filters based on card network and whether the card is a Debit Card or a Credit Card. Unfortunately in India, people don’t use Tap & Pay too much and hence this list is very sparse. Screenshots as of today and up to date list can be found on Samsung Pay/Google Pay websites if you are seeing this post in the future.

TL;DR - pFinTools.com/iNAV shows you all ETFs in India, category wise along with their iNAV and what premium/discount that ETF is trading at so that you can choose an ETF with the least premium over iNAV. It also shows when the iNAV data was actually last updated by the exchanges so that you know whether the iNAV data (on pFinTools or NSE/BSE website) is relevant or not.

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In February 2022, the markets regulator directed AMCs to stop accepting fresh inflows into international mutual funds because the industry had exhausted the overseas investment limit of $7 billion set by the Reserve Bank of India (RBI). Since then, this limit has not been increased despite massive depreciation of INR, inflation, increased economic capacity etc. This has led to a lot of demand-supply inefficiencies as a result of which seeing 20-40% premiums on International ETFs are common while fresh investments in international MFs either get discontinued or the funds themselves get merged with other funds.

Over the last year or so a similar trend has also been seen in Gold and Silver ETFs where investors are paying noticeable premiums owing to volatility and speculation.

So I made an ETFs iNAV monitor that shows the list of all ETFs in India, category wise along with their iNAV and what premium/discount that ETF is trading at so that you can choose an ETF with the least premium over iNAV. It also shows when the iNAV data was actually last updated by the exchanges so that you know whether the iNAV data (on pFinTools or NSE/BSE website) is relevant or not.

Now here's why it matters in brief -

1. There is no other platform where you can check the whole list of ETFs and decide to invest in the one with the lowest premium. While you can go in and manually check iNAV individually on NSE/BSE website, not only will that be time consuming, it will be outright wrong as I explain in next point.
2. If you rely on NSE/BSE website to check ETF iNAV, I am genuinely sorry to report that in many many case (like 90% cases for BSE and 40% cases for NSE) - the iNAV data is simply wrong. Wrong in the sense that it is not updated, sometimes for weeks, sometimes for months even, that is if the data is not unavailable altogether. My source of data is also the same as NSE/BSE but how I have corrected for this is that pFinTools will show you exactly when the data was last updated. So even though I check for data continuously, if I do not register a change in the data for a long time, I will show the last updated status for that ETF's iNAV as updated "a month ago" or something like that depending on the case. This is also why I have refrained from showing exact time for last updated as it might lead to un-necessary doubts.
3. As a calculated choice, the website does not show any past returns or expense ratio data as we are not trying to sell you any ETF. You can use the rest of the internet to form your judgement of whether you want to invest in gold or silver or any other index and then use pFinTools to make an educated decision while choosing an ETF for the same by looking at the iNAV and corresponding premium/discount data.

I do not want to name names but just know that as of writing this post, this is the only real way to monitor iNAV of ETFs in India. It took a lot of effort to literally go through each and every ETF, one by one and decide on where the data is being reported correctly and how etc before being able to publish it. Even after that, I did not publicly announce it (except for a soft launch) for over 3 months after the website went live. The reason being, I feel this is the first product I have made where it feels like I have provided the problem rather than the solution as most of the ETFs do not have updated data - which is a shortcoming of Indian Financial Systems rather than pFinTools as this data is unavailable/wrong on NSE/BSE.

You can try this at pFinTools.com/iNAV right away and do let me know your thoughts and any feedback you might have. I will encourage you to cross check the data being shown on our website for iNAV with NSE/BSE website before acting on it and if you find any discrepancies, do let me know. If you are want to follow this more closely, feel free to join r/pFinTools

While the Indian Markets have performed less than optimally over the past couple of years, I have sold my investments at all time highs even during the US-Iran war. How? Through funds that invest in stocks from countries like China, US, Taiwan etc.

The underperformance of Indian markets was almost symmetrical with the outperformance of these other international markets as the primary reasons - depreciation of INR and FIIs diverting funds from India to other countries - both worked in the favor of India (INR) based International Mutual Funds.

But after the MF Industry exhausted the overseas investment limit of $7 billion set by the Reserve Bank of India (RBI) in February 2022, investments in these International Mutual Funds have become much more troublesome where Asset Management Companies (AMCs) have to restrict fresh inflows into these funds. Now funds either don't accept any fresh investment or only accept fresh investments through SIP/Lumpsum. The more popular funds aren't even accepting fresh SIP investments on already registered SIPs.

In all this, Edelweiss has recently come to my attention where they seem to be the only AMC still accepting fresh SIP investments across all their International Mutual Funds upto 5k per month per SIP registration. Not just that, they seem to have an amazing range of International Funds exposing your portfolio to US, Europe, China, Taiwan, Singapore, Malaysia etc.

Using some of the less obvious funds as example, the Edelweiss Emerging Markets Opportunities fund, invests in an ETF which in turn has the following top stocks in it's portfolio -

Name	Sector	Weight
TSMC	Information Technology	9.9%
Samsung Electronics	Information Technology	6.5%
Tencent	Communication Services	5.3%
SK Hynix	Information Technology	3.7%
Petroleo Brasileiro	Energy	2.8%
Delta Electronics	Information Technology	2.5%
Credicorp	Financials	2.1%
Grupo Financiero Banorte	Financials	2.0%
Alibaba	Consumer Discretionary	1.9%
Hana Financial	Financials	1.8%

Just to clarify, this is not an ad for Edelweiss in any way or any of the funds mentioned here. This is also not financial advise but rather education about the diversification that your MF distributor is not talking about (evident from the low AUMs in these funds). I have attached the performance of these funds over the last three years and here's what you should note from the graphs -

1. The graphs show performance of the fund (solid blue) vs Nifty 50 (dotted blue line) over the last three years. The % returns mentioned in the top right corner of the graph is the absolute return of the fund for last three years - a positive number for all the funds - when Nifty 50 has given an absolute return of -0.36% in the same period.
2. Note that in many graphs, line denoting Nifty 50 has been on top of the line denoting the fund for the most part. If you were investing via SIP in these funds, the longer it was underperforming than Nifty 50, the more your returns would be in those funds today, compared to SIP investments in Nifty 50.

This earlier underperformance of International funds is probably why many people didn't invest in such funds and might be in a tough situation today if they need to redeem their non-international investments. The current underperformance of Nifty is also the reason why you shouldn't ditch your Nifty/Domestic Investment SIPs.

Edelweiss is of course not the only AMC with International Mutual Funds, but it seems to be the only AMC which is allowing fresh investments into it's funds. But other AMCs like Nippon also open their funds for fresh investments from time to time as you can check in my other post here - https://www.reddit.com/r/pFinTools/comments/1rzncq3/nippon_taiwan_mutual_fund_is_accepting_fresh/

More International Funds accepting fresh Investments:

• Axis Global Innovation FoF
• Axis Global Equity Alpha FoF
• Axis Greater China Equity FoF
• Baroda BNP Paribas Auqa Fund
• Franklin Asian Equity Fund
• Franklin US Opportunities Equity Active FoF
• Invesco Global Consumer Trends
• Invesco Global Equity Income Fund
• Invesco Pan European Equity Fund

If you'd like to stay updated whenever more international mutual funds open for fresh investments, make sure you have joined r/pFinTools

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Pro Tip - ETFs are another convenient way of investing in International Markets through your Indian Broker. Since these ETFs typically invest in foreign indices rather than being actively managed, this should be the choice typically over an actively managed mutual fund covering the same market.

But since February 2022, the 6 international ETFs available in India are also facing massive liquidity crunch. As a result sometimes, these ETFs trade at premiums of up to 30-40% over their intrinsic value (determined by iNAV). But sometimes, we also find these ETFs trading at very low premium/slight discount as you can see in my other post here - https://www.reddit.com/r/pFinTools/comments/1qqzapj/mon100_actually_trading_at_a_discount_compared_to/

If you are able to get these at discount/lower premiums, you can then later sell it at higher premiums + growth of underlying assets. And you can track this iNAV directly on the pFinTools ETF iNAV Monitor here - pFinTools.com/etf-iNAV (this is different than any other tool/source available online because it tells you exactly when the iNAV was last updated by the AMC, so that you can make educated investment decisions. Other platforms just present the iNAV data as-is from the exchange/AMC and many times that data can be unfortunately weeks old)

Amazon Great Summer Sale is Live for Prime Members! Ensure maximum savings with pFinTools -

1. Use the pFinTools Shopping Assistant Browser Extension to instantly check the real cost of Credit Card EMIs including No Cost EMIs (which aren't actually No Cost). Also find the best price of any item on Amazon after considering all coupon discounts and bank offers for your card for both upfront as well as EMI mode of payment. Check out more details of the extension here - https://pFinTools.com/shopping-assistant

2. If you are on mobile device, you can check the real cost of any Credit Card EMI including No Cost EMI directly from our website here - https://pFinTools.com/NCE-Cal

This calculation considers the hidden charges like processing fees, GST etc as well as the discount or credit card reward points that you might miss out on if opting for EMI mode of payment. Spoiler: Many times paying through EMI is cheaper thanks to bank offers that apply only if you opt for EMI and not upfront payment.

3. pFinTools can also help you get the cards which have exclusive discounts during the sales with fast approvals and minimum documentation. You can apply for the card of your choice here - pFinTools.com/get-cc

For this sale season, the HDFC Pixel Play Credit Card is poised to get high approvals and it also makes you eligible for extra discount offers of the sale. You can apply for it through pFinTools directly here - https://bitli.in/20x0pqG

If you want to check some old testaments of people who got Credit Cards from pFinTools.com/get-cc, refer to these posts here, here, here, here and here.

4. Finally, of course keep an eye out for the top deals of the sale on amazon here - https://amzn.to/4whfNxG

Let me know in the comments if you have any questions about the sale, from specific Shopping Help to Credit Card No Cost EMI analysis!

While the value of 1 jewel has gone down from being Re0.20 to Re0.14 for bill payments, it still remains 20 paise for digital gold.

If you redeem for digital gold, you get around 9.5% worth of digital gold (after charges) for the merchants advertised as 10% cashback, but that gold will eventually go up in value too. Considering any other redemption method than cash back always has a hidden margin (forgoing discounts on flights/hotels etc), even the 9.5% is basically 10% equivalent.

This is definitely better than 7% (10% earlier) that you will get if you decide to redeem for bill payments.

Read my detailed review of this card here (only thing that has changed since this post is that instead of Rs 5000 per merchant, the cap is Rs 6000 but divided across three transactions of 2000 each) or apply for the card directly here.

Btw, in general, if you want to invest in Gold in gold, Gold ETFs are way better instrument than Digital Gold - which is subject to a lot of extra hidden charges and higher margin. And if you are going to invest in a Gold ETF check pFinTools.com/ETFs-iNAV to check which ETF is trading at the maximum discount!

Candle climbs above 200EMA. 20EMA crossed over 50EMA 2 days back.

RSI at 75, MACD and ADX both aggressively positioned with bullish indication.

Result highlight - Tanla reported 15% YoY Q4 revenue growth, driven by OTT channels and Wisely Ai deployments. FY26 revenue reached ₹44,177 Mn with strong 94% PAT-to-FCF conversion. The board announced a second ₹6 interim dividend. Management maintains a focus on AI-native platforms but explicitly provides no quantitative forward guidance.

Price is hiked from 87,100 to 89,500 but still being termed as introductory prices.

You can still buy it for cheaper using Credit Card Offers from amazon - https://amzn.to/4bVEW9i

Check the best price for your credit card with the pFinTools Browser Extension. Read how I bought this scooter for under 80k (ex-showroom) here: https://www.reddit.com/r/pFinTools/comments/1rz2zcx/

Edit: The PM E-Drive subsidy has been extended till July 31, 2026

If you are someone who needs a vehicle simply to get from point A to point B within a city fast, an electric two wheeler is arguably the best option for the task. Unfortunately for far too long, the space was filled with options which were overkill (Ather) for most folks or options which simply did not work (Ola). In addition there were budget vehicles that simply weren't all that convincingly reliable (Ampere, Revolt, Bounce and bunch of even more random companies) or there were reliable vehicles (TVS iQube, Ather Rizta S, Bajaj Chetak 35 series etc) but they came at a considerable premium to ICE alternatives.

But that's old news, as of 2026, we now have at least three options where the On-Road Price is around 1 lakh or less. The fact that these vehicles are manufactured by companies that rank within top four in overall sales of two wheelers in India is just an evidence of the electric future that we are headed towards.

Before I get into my analysis and comparison of the models, I recently bought the Bajaj Chetak C2501 from Amazon (https://amzn.to/4snfCi1) and saved over 10k, thanks to the pFinTools Shopping Assistant, Acko and bit of strategic diplomacy. You can read about my complete purchase experience here.

For context, this was my third EV after two electric cars and I have worked professionally in the EV space in addition to being deeply involved with the community over the last 5 years. So if you have any questions, do feel free to ask them in the comments below.

Onto the vehicles, the contenders are the Bajaj Chetak C2501, Hero Vida VX2 Go 2.2 and the TVS Orbiter V1. Before we dive deeper, do note that these are all meant primarily for use within the city only, so any and all judgements will be keeping that in mind. If you are completely new to EVs, remember that you should buy EVs not for the savings (which will be substantial) but because EVs in general are better, more capable vehicles than their ICE counterparts. Although this statement is more true for electric cars than 2-wheelers, these scooters will still zip through traffic much faster than the petrol alternatives while keeping you comfortable. The fuel and service cost savings from EVs are just an added benefit.

1. Bajaj Chetak C2501 - Keeping up with the legacy of the brand, the Chetak is the only option of the bunch with a metal body and carries a classic look. Unlike other options in this comparison, the Chetak C2501 is not a striped down version of any other model but rather an all new vehicle designed on a new chassis and has unique design elements compared to the older more expensive Chetaks. This is also the only option that gets a disk brake in the front, that increases your riding confidence exponentially!

The Chetak also has the biggest battery (2.5kWh) and consequently boasts the highest range of the bunch. In my experience, it is giving a real world range of 90-100 kms in eco mode, which is more than enough for use in a tier 3 city. If you want more punch, you can always switch to the sports mode.

But compared to the other two, Chetak has the smallest seat which is barely enough for two people. So neither is it suitable to be a family scooter nor will tall people like it a lot. Storage space is also the most limited here whether you consider the under-seat storage or the frunk or the footboard. The suspension also feels a bit stiff although it's not necessarily a deal breaker. Like the TVS, the Chetak also sports a hub motor which is mostly fine but makes it less tough than the Vida that has a PMSM motor.

All in all the Chetak is a premium option for upto two medium to short height riders. Although it has the least top speed, it feels zippiest of the three thanks to a compact sturdy build. Most importantly, there's not enough than can be said against it once that OG Chetak nostalgia strikes for the older buyers and yet it's looks will also somehow attract the youth most out of the three!

BTW, you can get a bunch of discounts on the Chetak on top of the ex-showroom price as this is the only model out of three that is consistently available to buy through Amazon (https://amzn.to/4snfCi1). I was able to save INR 7,585 on the ex-showroom price alone, thanks to card offers on amazon. You can check the best price of any item on Amazon considering all the card offers for upfront payment or EMI mode for your card using the pFinTools Shopping Assistant browser extension. This extension also shows the hidden cost of No Cost EMIs and helps you make an informed purchase decision.

2. Hero Vida VX2 Go 2.2 - The Vida is undoubtedly the toughest and most versatile option of the bunch thanks to the following reasons: Removable Battery, PMSM motor, support for Fast Charging (20-80 in under an hour) at the extensive Ather + Vida DC Charging network, decent top speed of 70kmph, longest seat + decent storage space etc etc.

But it's not all roses and sunshine. The removable battery that makes the Vida the only option for someone who cannot charge their vehicle in the parking is also the reason that I would not recommend this to anyone who has the option to charge the vehicle in their parking. To enable the battery to be removable, the whole package can never be as reliable as vehicles with built in batteries in general.

Other than that, the Vida is the only vehicle of the bunch on which you can attempt inter city travel thanks to DC fast charging support at any Vida or Ather charger - the widest charging network for two wheelers in India. The top speed of 70 kmph also doesn't hurt.

3. TVS Orbiter V1 - The TVS is the weirdest one of the bunch. While it promises a lot on paper, it almost feels fake considering that it is mostly unavailable at most retail locations across the country. While you can "reserve" it through their website, even the website does not have complete information on the specs of the V1 model. It is almost like the V1 exists only to lure you into the showroom with its price so that you buy the much more expensive and capable Orbiter V2 which also has a much better range. But considering you are able to somehow find the V1 in the future (highly improbable considering their track record with iQube variants), here is my take.

The USP of the orbiter is the 14 inch front wheel which can get over bumps and cracks on our Indian with way more ease than anything else in this list or most of the other scooters. Smaller wheels on scooters is the primary reason that so many motorcycles are still sold in India and the Orbiter does a decent job of trying to bridge that gap. It also boasts the maximum amount of space under the seat, on the footboard and it also has a more spacious frunk than the other options. The flat footboard design particularly helps carry more in the area. TVS also claims that it is the most aero-dynamic scooter in its class.

But all that goodness gets utterly limited when you see that this has the smallest battery and consequentially the smallest range amongst the three options. So the orbiter V1 despite being the most utilitarian, does little to make it's case over super budget EVs made specifically for transporting goods. In most cases, all it does is push you to take a look at the Orbiter V2 which is a great scooter, but at a price bracket 15-20k more than the V1, which pushes it out of this competition.

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The electric 2 wheeler space in India is very confusing with cut-throat competition due to some bad players (Ola) but thankfully the whole space seems to be stabilizing with time. Hopefully this comparison gave you a decent idea of what's what and some clarity to make a decision.

Price indicated in the infographic above consist of a subsidy of upto INR 5,000 under the PM E-Drive scheme of the Govt of India. This subsidy is only applicable till March 31st of this year post which your effective price will most likely go up. So if you have been looking to buy an electric 2-wheeler, I'd say act now and make the most of it.

Do note that there is a meek possibility that the government might extend the deadline. Also note that the prices quoted above do not consider the various state govt. subsidies which will obviously vary from state to state. Contact your nearest dealer to find out if your state has any such subsidies available which will further alleviate the burden of making the purchase. (You can typically also find this information online)

If you have any questions related to the models in this comparison or EVs in general, just drop them in the comments below and I will do my best to answer the same. Please also let me know if you spot any mistakes.

Join r/pFinTools for more such insightful personal finance conversations

I was in the market for an electric 2-wheeler for my parents for city usage in a small town, where vehicles rarely touch 40kmph. The Bajaj Chetak C2501 with a claimed range of 113km and an ex showroom price of just 87,100 fit the bill perfectly. Now many would rightly argue that the Vida VX2 Go or the TVS Orbiter V1 are probably better VFM but the Bajaj Chetak name really sparked nostalgia for my dad so there was no going back.

The scooter was listed on Amazon for 87,100 (https://amzn.to/4snfCi1) but there were a bunch of card offers too (35 to be precise). Of course I used the pFinTools Browser Extension to quickly figure out that Amazon Pay ICICI Credit Card was the best option after considering the 5% cashback. So price to me was 87100 - discount of 3,500 + 100 (card offer fee) - cashback of 4185 = 79,515 only!

I placed the order on 18th March. On 19th, I got a message from the amazon seller (a local bajaj dealer) to call a number to connect for further process. On 20th, I called them and since they had the vehicle in stock, he invited me to come and finish the paperwork same day if I was willing.

Before reaching the dealership, I bought an insurance for new vehicle from Acko. A comprehensive zero depth insurance with a couple of add ons was 4,290.

Reached the dealer and informed them I already also have insurance. At this point they tried to add a handling fee of 1062 which I strategically and diplomatically denied. Paid 10,293 for registration and waited at the showroom for a couple of hours while they processed things and I was out.

Total cost to me = 79,515 + 4,290 + 10,293 = 94,098!

Total savings on ex-showroom = 7,585

Total savings on Acko was around 2k at least compared to what the dealer insurance would have costed me even after discounts. PS - I am really confident about Acko, and have a great experience with them over the past 5 years or so, multiple vehicles and multiple claims in multiple cities. As a fintech person, I understand and truly appreciate their model.

Total savings on handling charges = 1,062

That equates to a net savings of over 10.5k at least!

About PM E-Drive subsidy - if I had bought the vehicle from the showroom, I would have had to pay 5k extra. After a few days, the dealership would have got the process for subsidy and after which they would have refunded my 5k to me. But buying through Amazon, I was able to get a straight up discount included in the advertised ex showroom price of 87.1k which puts the risk of the subsidy completely on the dealer. Given that this subsidy is ending on 31st March, 2026 and that I might not be in my hometown for long, this was a great relief as well.

In this entire process, the most important thing is to handle things carefully. Dealers don't like it when you buy vehicles from Amazon, and then take your own insurance as well. Those two things combined, leaves almost nothing for the dealer as margin. This is where they try to tack on things like dealer handling charges etc. Now the thing is that you have to deal very delicately here as the dealer might in some cases upright deny the sale and cancel the amazon order. In this case, you'd still be able to fight with amazon/vehicle brand and maybe get a favorable outcome but it would entirely ruin your purchase experience for sure. So be very aware about this and go in with some sort of strategy!

So that was my entire purchase experience. This was not the first time, I have bought a vehicle online. In the past I have used a similar channel to buy an Apache RTR 160 on a 6 months no cost EMI and couple years back I bought a Punch.ev entirely using Credit Card. Let me know if you'd like me to share those experiences as well.

For more such insightful Personal Finance conversations, join r/pFinTools