Twinkle Jain

Cracking CA in your 1st attempt is next to impossible.


I have heard so many people say this, yet several people have made this a reality. This does not mean they were studious or got lucky but they followed the right way to get through it.

When you get through the exams on your first go, you don’t just save time and resources but also increase your credibility and chances of securing senior roles.

This is what most of these students get right:

—> They understand the syllabus, exam format and marking scheme well in advance because knowing what to expect from each subject helps you plan your studies and timeline.

—> Studying with commitment is important but regularly practicing past papers, mock tests and sample question papers is crucial to assess your preparation and identify areas for improvement.

—> Don’t compromise on the schedule you create for yourself. Create a detailed, structured plan that covers all subjects. Set time blocks for each topic and regularly revise to solidify concepts.

—> They connect with seniors and mentors to find techniques and tips that can make the entire process smooth and quick. This also helps them with motivation and new insights.

—> While preparing for your exams, stay consistent at it from the very 1st day. Avoid last-minute cramming, take breaks when needed and prioritize both your mental and physical well-being.

Clearing your CA exams in the first attempt builds your confidence, helps you improve your skills and saves you from the loop of giving your exams again and again.

What do you think can simplify the exam preparation?

#CA #preparation

Trump's win will mean a lot to Indian startups.


For India, with its growing startup ecosystem expected to grow at 12-15% annually, the stakes are high.

This is because US investors contribute 60% of the funding for Indian startups, with 30% of Indian startup transactions involving American participation in 2020.

The outcome of the elections and the administration’s approach to trade, regulation, and investment will be important for Indian startups. This is what it could mean to them:

—> There could be a focus on traditional sectors like manufacturing and infrastructure. Indian startups in these areas could gain from increased investments and collaborative trade policies.

—> Startups building in industrial, infrastructure or manufacturing tech could see stronger US-India collaboration. It can lead to growth in some areas but risk downfall in others.

—> The Indian youth in the US is a bridge between cultures and workforce innovation. Stricter immigration policies could be a challenge for those looking to travel abroad for studies or work.

The impact of US elections on Indian startups will mean differently for all sectors. While traditional sectors may grow, tech and sustainability initiatives can face issues but India’s startup culture will still be seeing a difference.

Do you think Trump's win could make a difference for us?

#startup #finances

No one tells you this about being a CA.


The day you clear your CA final exams, you feel like everyone should celebrate.

But no one prepares you for what happens after you’ve earned the two letters that carry so much weight - CA.

— Clearing CA is a huge achievement, but in the professional world, it’s only the beginning. You’ll face clients, deadlines, audits and problems that no textbook could ever prepare you for. The ability to think on your feet and apply your knowledge practically becomes your real superpower.

— As a CA, you’re often seen as the “go-to“ person for every financial or tax-related question. Whether it’s family members asking for free advice or clients expecting anything to happen, you’ll need to balance high expectations with your own boundaries.

— The world of finance is changing and new regulations, technologies and market trends come up every single day. This means that your learning doesn’t stop with the final exam. Continuous professional development becomes a common part of your career.

Being a CA has a lot of trust involved in it. People will depend on you to help them in some of their most critical decisions. But that’s also what makes it so fulfilling because you have the power to create real change for businesses and individuals.

As a CA, what was your biggest surprise after qualifying?

#CA #preparation

The demand for gold loans increased by 51% in September.


That is even more than the 11.4% growth in personal loans. However the goal loan market remains a fraction of the personal loan market, Rs 1.47 lakh crore compared to Rs 14.27 lakh crore.

But why is there a sudden rise in gold loans?

—> Global uncertainty has driven up gold prices, making it a more attractive asset for both investment and collateral.

—> Post-Covid, the Reserve Bank of India raised risk weights on unsecured loans like credit cards and personal loans, pushing lenders to hold more capital against them. This has made unsecured credit less accessible, pushing borrowers toward secured options like gold loans.

—> Many younger borrowers are using gold to fund experiences, such as travel, showing a shift from traditional savings to lifestyle-based financial decisions.

Gold loans are also quick to process, require minimal documentation and provide repayment flexibility, making them a good choice in uncertain economic times.

But before you take one, analyse the loan-to-value ratio and compare rates and fees across lenders. You need to balance the convenience and flexibility to avoid high interest rates and the risk of losing your gold.

Have you also been considering gold loans?

#gold #investment

Don’t use your credit card


Without knowing your ideal credit limit.

This is because spending more than your ideal credit limit can not only affect your financial plan but also negatively affect your credit score.

The ideal credit utilisation ratio (CUR) is 30% of your available credit. This means if your credit limit is ₹7 lakh, the ideal spend should not exceed ₹2.10 lakh (30% of ₹7 lakh).

In case you didn’t know, your credit utilisation ratio represents the percentage of your available credit that you are currently using. It plays an important role in determining your credit score.

Lenders use this to study how much of your credit limit you are utilizing and whether you’re managing credit responsibly. This is how you can manage it:

- Always aim to pay off your balance before the statement closing date. This ensures that your reported balance is low, improving your CUR.

- A higher credit limit can help reduce your CUR, assuming your spending remains the same. More available credit means your usage ratio will be lower.

- If you have more than one credit card, you can distribute your spending across them. This prevents any one card from exceeding the 30% CUR threshold.

- Closing a credit card reduces your available credit, which can inadvertently raise your CUR. Instead, keep your older cards open to maintain a lower ratio.

Your credit score shows your financial habits and can affect everything from loan approvals to the interest rates you’re offered.

You should be very conscious about how much credit you use, to keep your score high and make smarter financial decisions.

What steps do you take to maintain a healthy credit score?

#creditscore #moneymanagement #finances

You should never ignore your finances.


You might be saving to build your dream house or make a huge investment, but no matter what stage you are in, you should never take any part lightly.

Personal finance is honestly simpler than you think but is very important to grow and sustain. From how you save to where you invest, everything matters even if you don’t find them important.

These should be your non-negotiables:

—> Assets are everything that can be turned into money when needed. Your savings account, jewelry, stocks or bonds. The more assets you own, the more financially stable you become.

—> Liabilities are the debts that take money out of your pocket. Home loans, car loans, student loans, or even the money you borrowed from a friend. So try to reduce your debt to zero to avoid high interest rates and negative impacts on your credit score.

—> Your income will make your plans and dreams come true. Be it your salary, dividends from investments, or side hustle earnings, it all counts. So you need to know how to manage your daily expenses while enjoying little luxuries guilt-free.

—> Expenses are everything you spend on, be groceries, rent, bills and more. You should track each one of them so that they don’t out of your control. You can use tracking apps or spreadsheets and notion to see where your money is going and keep your expenses in check.

Managing your own finances is not as complicated as you think. If you keep track of all of these and stay in control of how you manage it, then you can easily sustain and live a decent lifestyle.

Which part of your finances do you take care of the most?

#finances #moneymanagement

Growing up in a privileged family is not the best!


You have access to the best education and connections with a comfortable life and it looks like the perfect lifestyle you need.

But unfortunately, you end up growing in a safety bubble which does no good. It sometimes makes you so comfortable that you fail to have that motivation and dedication to work harder.

But on the other hand, people who come from a mediocre lifestyle have to hustle for every little thing. Nothing comes easy to them. Every decision they make has its risks and that is what motivates them to do even more.

I’ve met people from both backgrounds and have been a part of their conversations.

Those with less privilege carry themselves differently and they understand the weight of every opportunity that comes to them. They can't afford to waste anything and so they go to any extent to make it happen.

So, do you think, being born privileged is a curse or does it push you to dream bigger?

#lifestyle #dreams

Do this if you’re a CA student:

1. Learn section numbers :
10s of thousands of section numbers of various laws may be overwhelming for you to learn . But you should know the section numbers too in every subject because it helps you remember the content of section better and when you mention sections in the exam, it gives checker an impression that you’re well versed with laws. In some topics like professional ethics you get marks to mention whole section number and schedule.

2. Be sincere in your articleship: Articleship is the time when you figure out what you have to do after clearing CA exams. Take up as much work as you can because that’s how you’ll learn. Try your hands on finance, audit, tax and everything that you wish to do as you’ll figure out where your interest lies in.

3. Become deaf to unsolicited advice:
In your CA journey , while you may have supporters, there may be a lot of people who’ll try to put you down. “CA me bohot mehnat hai , tumse nai hoga”, “kitne attempt huye?” and a lot more . Such statements are daunting and can lead to self doubt and pressure. Keep your head high, ears shut and Just keep working towards your goal.

Don’t discuss issues with anyone who has a negative attitude toward this exam.

4. Revise and Give mock tests : You should analyse and try to get better at writing answers. Give mocks for all subjects for learning better time management and know where you stand. Revise regularly to remember the syllabus. Follow the 1-3-7-21 rule.

5. Don’t be overconfident.


Cheers to becoming a future CA and For more insightful content, follow Twinkle Jain for more.


#ca #finance #management

The Hindu Undivided Family structure is a favorite for most Indian families.


It is a separate legal entity and allows families to enjoy tax benefits unavailable to individual members, particularly in mutual fund investments.

It consists of all members of a Hindu family, governed by a “Karta“ (typically the senior-most male or female member). The entity enjoys the same tax slabs as individual taxpayers, helping with tax planning and wealth management.

Here are some of its benefits:

— Income earned under the HUF is taxed separately from the individual incomes of its members. This prevents income from being clubbed with individual earnings, helping avoid higher tax brackets.

— The HUF enjoys its own ₹3,00,000 basic exemption limit (under the old tax regime), allowing tax-free income up to this amount.

— HUFs can claim deductions for investments like mutual funds, PPF and insurance premiums, reducing taxable income. Long-term and short-term capital gains earned through mutual fund investments can be effectively offset using the HUF’s tax slabs and exemptions, reducing tax liability.

So if are a part of HUF, this is how it could look:

Consider this scenario:

Income for a family (taxable individually):
- Gross Salary - ₹5,00,000 (₹4,25,000 post-standard deductions)
- Short-Term Capital Gains - ₹2,00,000 (taxed at 20%)
- Long-Term Capital Gains - ₹8,00,000 (taxed at 12.5%)
- Interest Income - ₹50,000

Tax Liability for Individual Taxation - ₹1,29,350
Tax Liability for HUF Taxation - ₹74,750
Savings through HUF Structure - ₹54,600

These savings show the advantage of mutual fund investments through a HUF. With the HUF taxed separately, individual members have a lower likelihood of moving into higher tax brackets due to clubbing of income.

What do you think about HUF as a tax-planning system?

#taxplanning #HUF