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Financial management for freelancers and entrepreneurs

Last updated :
March 10, 2024
/

minutes read

Table of Contents

Hey there, awesome freelancers and daring entrepreneurs! Welcome to your ultimate guide on financial management, tailored to your unique needs, and infused with a touch of Indian spice. We know you're busy conquering the world, so we've made this guide engaging and easy to navigate. Let's dive in!

I. Introduction

A. The importance of financial management for freelancers and entrepreneurs

Whether you're a designer, writer, or the next unicorn startup founder, managing your finances is essential for success. It's like ghee on your roti – you can't enjoy it without the right spread. We'll help you create a financial foundation as strong as your favorite superhero.

B. The unique challenges faced by Indian professionals

You're a hustler in a growing economy, facing challenges like irregular income, currency fluctuations, and a complex tax system. But hey, nothing can stop you. We're here to help you navigate these challenges and keep your finances shipshape.

Summary: Financial Management for Freelancers and Entrepreneurs

I. Introduction

  • Freelancers and entrepreneurs face unique financial challenges and require specialized financial management strategies.
  • This article provides tips and advice for managing finances as a freelancer or entrepreneur in India.

II. Understanding Your Finances

  • Know your income sources: regular, passive, and project-based.
  • Choose a budgeting method that suits your needs: traditional, zero-based, or percentage-based.
  • Use technology to make expense tracking easy.

III. Financial Planning

  • Set financial goals: short-term, medium-term, and long-term.
  • Implement savings strategies: automating savings, cutting costs, and increasing income.
  • Understand different investment options: stocks, bonds, mutual funds, and real estate.
  • Plan for retirement: explore Indian retirement schemes like PPF and NPS.

IV. Managing Taxes and Legal Compliance

  • Understand tax basics for freelancers and entrepreneurs in India.
  • Learn about tax-saving instruments like deductions, exemptions, and rebates.
  • Navigate GST registration and filing.
  • Know when to consult a tax expert.

V. Insurance and Risk Management

  • Understand the importance of insurance for financial stability.
  • Explore different types of insurance: health, life, disability, and professional liability.
  • Choose the right insurance policy for your needs.
  • Implement risk management strategies like diversification, emergency funds, and contingency planning.

VI. Debt Management and Financial Freedom

  • Understand the impact of debt on financial well-being.
  • Implement strategies for paying off debt: the snowball and avalanche methods.
  • Avoid and manage credit card debt.
  • Achieve financial freedom by building wealth and living debt-free.

VII. Conclusion

  • Managing finances as a freelancer or entrepreneur can be challenging, but with the right strategies, it can be achievable.
  • By implementing the tips and advice in this article, you can take control of your finances and achieve financial freedom.

II. Understanding Financial Basics

A. Income sources: regular, passive, and project-based

Just like a tasty thali, your income can come from multiple sources. Understand the difference between regular, passive, and project-based income. This will help you plan better and maybe even create some extra cash flow to splurge on those irresistible online sales.

Let's explore the differences between regular, passive, and project-based income sources. Just like a well-rounded thali offers various flavors, having multiple income sources can provide financial stability and growth opportunities.

I**. Regular Income**

Regular income, also known as active or earned income, is the money you receive for the work you do on a consistent basis. This could be a salary from a full-time job or a retainer fee from an ongoing freelance gig. It's the income that you can rely on, as it comes in at regular intervals (weekly, bi-weekly, or monthly) and typically has a predictable amount.

Example: A graphic designer working full-time for a company earns a monthly salary, which is their regular income.

II**. Passive Income**

Passive income is the money you earn without actively working for it. It's generated from investments or assets that require little to no effort on your part once they're set up. Passive income sources can help you build wealth over time and create financial cushions for unforeseen circumstances or future goals.

Examples:

  1. Rental income from a property you own.
  2. Dividends or interest from investments in stocks, bonds, or fixed deposits.
  3. Earnings from a book, app, or online course that you've created and continue to sell without ongoing work.

III**. Project-Based Income**

Project-based income, often associated with freelancers, gig workers, or entrepreneurs, is the money earned from completing specific projects or tasks. Unlike regular income, it's not consistent and can vary in amount and frequency, depending on the number of projects and their respective fees.

This income source requires active work, but it may not be as predictable as regular income.

Example: A freelance web developer gets paid for each website they create for clients. Each project has a different fee and timeline, making their income project-based.

Understanding these income sources helps you identify opportunities for diversification, better financial planning, and creating a more robust financial foundation. Now, you're ready to indulge in the richness of a diverse financial thali!

B. Expenses: fixed, variable, and unexpected

Life is full of surprises, and so are your expenses. Learn to categorize your expenses into fixed, variable, and unexpected costs. This way, you'll know when to splurge on that designer lehenga and when to tighten your purse strings.

C. Savings: short-term, long-term, and emergency funds

Remember how your grandparents always emphasized the importance of savings? They were onto something! Start building short-term, long-term, and emergency funds to secure your future and give yourself peace of mind.

III. Budgeting and Expense Tracking

A. The need for a budget: staying in control of your finances

Creating a budget is like having a map to guide you through the wilderness of financial management. It helps you stay on top of your spending, savings, and investments. Trust us; you'll feel more in control than the captain of the Indian cricket team!

B. Budgeting methods: traditional, zero-based, and percentage-based

Different strokes for different folks, am I right? Discover the budgeting method that suits your needs, whether it's traditional, zero-based, or percentage-based.

Let's explore the three budgeting methods – traditional, zero-based, and percentage-based – so you can choose the one that best suits your needs and lifestyle.

1. Traditional Budgeting

Traditional budgeting, also known as incremental budgeting, starts with your income and expenses from the previous month. You'll adjust those figures based on expected changes in income or spending patterns. This method is simple and easy to follow, making it ideal for budgeting beginners.

[data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2738%27%20height=%2738%27/%3e](data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2738%27%20height=%2738%27/%3e)

Example: Last month, a person earned ₹50,000 and spent ₹40,000. This month, they expect a bonus of ₹10,000 and plan to buy a new laptop for ₹30,000. With traditional budgeting, they'll adjust their income and expenses to accommodate the bonus and the laptop purchase, while keeping other expenses relatively constant.

2. Zero-Based Budgeting

Zero-based budgeting requires allocating every rupee of your income to specific expense categories, savings, or investments until you have no money left unassigned. This method encourages mindfulness about where your money is going and ensures that you're in control of your spending. It may require more effort, but it can be helpful for those looking to pay off debt or save aggressively.

Example: A person earns ₹60,000 per month. With zero-based budgeting, they allocate ₹20,000 for rent, ₹10,000 for groceries, ₹5,000 for utilities, ₹10,000 for savings, and ₹15,000 for other expenses (like entertainment, clothing, and transportation). In this case, every rupee is assigned to a specific category, leaving a zero balance.

3. Percentage-Based Budgeting

Percentage-based budgeting involves allocating a fixed percentage of your income to various expense categories, savings, and investments. This method is flexible and can adapt to changes in income levels. The 50/30/20 rule is a popular example of percentage-based budgeting, where you allocate 50% of your income for needs, 30% for wants, and 20% for savings and investments.

Example: A person earns ₹70,000 per month. Using the 50/30/20 rule, they would allocate ₹35,000 (50%) for needs like rent, groceries, and utilities, ₹21,000 (30%) for wants like entertainment, dining out, and shopping, and ₹14,000 (20%) for savings and investments.

Choosing the right budgeting method depends on your financial goals, personal preferences, and how much time and effort you're willing to invest in the process. Experiment with each method to find the one that works best for you and helps you achieve your financial objectives.

C. Expense tracking tools: mobile apps, spreadsheets, and online platforms

Gone are the days of recording expenses in a bulky ledger. We live in a digital era, so let's embrace technology to make expense tracking a breeze. From mobile apps to spreadsheets and online platforms, we've got you covered.

In today's digital era, tracking expenses has become more convenient and efficient than ever. Let's explore the options available for managing your finances with ease.

1. Mobile Apps

Mobile apps allow you to track your expenses on the go, making it easy to stay on top of your spending. Many apps offer features like receipt scanning, automatic categorization, and real-time updates. Some popular expense-tracking apps include:

  • Mint: A comprehensive app for budgeting, tracking expenses, and managing investments.
  • YNAB (You Need A Budget): A popular app that follows the zero-based budgeting method and helps you allocate every rupee of your income.
  • Money Manager: An expense tracker and budget planner app that also supports multiple currencies.

2. Spreadsheets

Spreadsheets like Microsoft Excel or Google Sheets are versatile options for those who prefer a more customizable approach to expense tracking. With formulas and templates, you can create a personalized expense-tracking system that suits your needs. Some advantages of using spreadsheets include:

  • Flexibility to create your own categories and formulas.
  • Ability to analyze and visualize data using charts and graphs.
  • Option to share and collaborate with family members or partners.

There are numerous pre-built spreadsheet templates available online, which you can modify according to your preferences.

3. Online Platforms

Online platforms combine the convenience of mobile apps with the power of web-based tools. They often offer more advanced features and can be accessed from any device with an internet connection. Some popular online platforms for expense tracking include:

  • Quicken: A well-known personal finance management tool that offers comprehensive expense tracking, budgeting, and investment monitoring features.
  • Toshl Finance: A user-friendly platform that allows you to track expenses, set budgets, and get insights into your spending habits.
  • PocketGuard: An online tool that helps you manage your money, create budgets, and track your expenses in a simple and intuitive manner.

Each of these options offers different features and interfaces, so it's essential to explore and find the one that fits your needs and preferences best. By embracing technology for expense tracking, you can make managing your finances a breeze and focus on achieving your financial goals.

D. Tips for effective budgeting and tracking

Budgeting doesn't have to be a drag when you have the right hacks to make it more enjoyable and effective. Here are some tips to help you Marie Kondo your finances, making budgeting as smooth as your favorite ice cream:

1. Categorize Expenses Thoughtfully

Create categories that resonate with your spending habits and priorities. Instead of using generic categories like "Entertainment" or "Miscellaneous," opt for more specific and personalized ones like "Weekend Getaways" or "Self-Care." This way, you can easily identify areas where you can cut back or reallocate funds.

2. Align Budget with Your Goals

When setting up your budget, consider your short-term and long-term financial goals. By aligning your budget with your objectives, you'll be more motivated to stick to it, knowing that each rupee saved is taking you closer to achieving your dreams.

3. Use Visual Reminders

Create visual reminders of your financial goals, like a vision board or a goal tracker. These visual aids can help you stay focused and motivated to stick to your budget and make smart financial decisions.

4. Automate Savings and Investments

Set up automatic transfers to your savings account or investments as soon as you receive your paycheck. By automating these transfers, you'll be less tempted to spend the money, making it easier to stick to your budget.

5. Embrace the 48-hour Rule

Impulsive spending can wreak havoc on your budget. To curb the urge, follow the 48-hour rule: wait 48 hours before making any non-essential purchase. This cooling-off period can help you make more mindful spending decisions and avoid impulse buys.

6. Use Cash or Prepaid Cards for Discretionary Spending

Using cash or prepaid cards for discretionary spending, like dining out or shopping, can help you stay within your budget. It's easier to track your spending when you see the physical money leaving your wallet, and it also prevents you from overspending.

7. Reward Yourself

Celebrate your budgeting successes by rewarding yourself (within reason, of course!). Set milestones, like paying off a specific debt or reaching a savings goal, and treat yourself to a small reward when you achieve them. This positive reinforcement can make budgeting more enjoyable.

By incorporating these hacks into your budgeting routine, you can make the process more enjoyable and effective, just like Marie Kondo-ing your finances. Give these tips a try and watch your financial life become more organized, efficient, and fulfilling!

IV. Saving and Investing for the Future

A. Setting financial goals: short-term, medium-term, and long-term

Dreaming of that Euro trip or buying your own pad? It's time to set some financial goals! Here are some tips to help you identify short-term, medium-term, and long-term goals:

  1. Short-term goals (within a year): Create a separate savings account or a recurring deposit for specific short-term goals like buying a new smartphone or going on a vacation.
  2. Medium-term goals (1-5 years): Consider low-risk investment options like fixed deposits or debt mutual funds to save for medium-term goals like purchasing a car or funding higher education.
  3. Long-term goals (5+ years): Invest in equity mutual funds, stocks, or real estate for long-term goals like buying a house or saving for retirement.

B. Savings strategies: automating savings, cutting costs, and increasing income

Let's make saving as much fun as an Indian dance number! Here are some savings strategies:

  1. Automate your savings: Set up automatic transfers from your salary account to a savings account or investment plan every month.
  2. Cut costs without sacrificing fun: Look for discounts, use coupons, or share expenses with friends when dining out or traveling. Embrace DIY projects to save money while having fun.
  3. Increase your income with side hustles: Explore freelancing, consulting, or part-time jobs to supplement your income and accelerate your savings.

C. Investment options: stocks, bonds, mutual funds, and real estate

It's time to make your money work for you! Here's an overview of different investment options:

  1. Stocks: Invest in company shares for potential capital appreciation and dividend income.
  2. Bonds: Invest in government or corporate bonds for a fixed rate of interest and relatively lower risk.
  3. Mutual funds: Diversify your investments by pooling your money with other investors in a professionally managed fund.
  4. Real estate: Invest in properties for rental income and capital appreciation.

Research and consult a financial advisor to find investment options that suit your risk appetite and goals.

D. Retirement planning: Public Provident Fund (PPF), National Pension System (NPS), and other schemes

Retirement may seem like a distant dream, but it's never too early to start planning. Here are some Indian retirement schemes and investment options to consider:

  1. PPF: A long-term, government-backed savings scheme with tax benefits and a fixed interest rate.
  2. NPS: A voluntary, government-backed pension system that allows you to invest in a mix of equity and debt instruments.
  3. Other schemes: Consider Employee Provident Fund (EPF), if applicable, and explore other investment options like equity mutual funds, stocks, or annuities to build a diversified retirement portfolio.

By following these strategies, you'll be well on your way to achieving your financial goals and enjoying a secure future.

V. Managing Taxes and Legal Compliance

A. Tax basics for freelancers and entrepreneurs in India

Taxes are a part of life, and as a freelancer or entrepreneur, it's important to understand how they work. Let's break it down in simple terms:

  1. Income tax slabs: Basically, the more you earn, the more taxes you pay. It's like a sliding scale.
  2. Deductions: You can save some money on taxes by deducting certain expenses from your taxable income. For example, if you invest in a tax-saving scheme or pay for health insurance, you can deduct that from your income and pay less tax.
  3. Filing: You'll need to file your taxes on time to avoid penalties. Luckily, you can do it online these days, so it's not as complicated as it used to be!

B. Tax-saving instruments: deductions, exemptions, and rebates

Who doesn't love saving money? Here are some ways you can lower your tax bill:

  1. Deductions: You can invest in certain schemes or make certain payments (like life insurance premiums) to claim deductions from your taxable income.
  2. Exemptions: Some expenses are exempt from taxes, like rent paid towards your accommodation or expenses incurred while traveling.
  3. Rebates: If you're earning less than a certain amount, you might be eligible for a rebate that can lower your tax bill.

C. Legal requirements: Goods and Services Tax (GST) registration and filing

GST can be a bit confusing, but we're here to simplify it for you:

  1. Registration: If you're running a business and your turnover exceeds a certain amount, you'll need to register for GST. We'll help you figure out if you need to register or not.
  2. Filing: You'll need to file your GST returns on time to avoid penalties. We'll show you how to do it step-by-step.
  3. Invoicing: Making sure your invoices are GST-compliant can be a bit of a headache, but we'll give you some tips to make it easier.

D. Seeking professional help: when and why to consult a tax expert

Don't worry if taxes and GST still seem like a foreign language to you - sometimes it's best to leave things to the experts. Here are some situations when you might want to consult a tax expert:

  1. You're earning income from multiple sources and aren't sure how to file your taxes.
  2. You want to make sure you're taking advantage of all available tax-saving options.
  3. You're not familiar with GST requirements and need help with registration, filing, or compliance.

VI. Insurance and Risk Management

A. The importance of insurance for financial stability

Insurance might not be the most exciting topic, but it's crucial for your financial stability. It can give you peace of mind and protect you from unexpected events.

B. Types of insurance: health, life, disability, and professional liability

There are different types of insurance policies to choose from, depending on your needs:

  1. Health insurance: It covers medical expenses and can be a lifesaver in case of an unexpected illness or injury.
  2. Life insurance: It provides financial support to your loved ones in case of your untimely death.
  3. Disability insurance: It helps you maintain your lifestyle and cover your expenses if you're unable to work due to a disability.
  4. Professional liability insurance: It protects you from legal claims arising from errors or omissions in your professional work.

C. How to choose the right insurance policy for your needs

Choosing the right insurance policy can be a bit overwhelming, but don't worry - we've got your back. Here are some things to consider when choosing an insurance policy:

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  1. Your needs: Think about your current and future financial obligations, like mortgage payments or college fees for your children. This will help you determine how much coverage you need.
  2. Budget: Insurance premiums can add up, so it's important to choose a policy that fits within your budget.
  3. Coverage: Make sure you understand what's covered (and what's not) by the policy you're considering. For example, some health insurance policies have exclusions for pre-existing conditions.
  4. Customer service: It's important to choose an insurance company that has good customer service and is responsive to your needs.

D. Risk management strategies: diversification, emergency funds, and contingency planning

Life is unpredictable, but there are things you can do to prepare for the unexpected. Here are some risk management strategies to consider:

  1. Diversification: Don't put all your eggs in one basket. Invest in a variety of assets (like stocks, bonds, and real estate) to spread your risk.
  2. Emergency funds: Having a rainy-day fund can help you weather unexpected expenses (like a sudden medical bill or car repair).
  3. Contingency planning: Think about what you would do in case of an emergency or unexpected event, and make a plan. For example, if you're a freelancer and your computer crashes, do you have a backup plan to ensure you can still meet your deadlines?

By following these risk management strategies, you can help protect your financial future and sleep soundly at night.

VII. Debt Management and Financial Freedom

A. The impact of debt on financial well-being

Debt can feel like a burden that weighs you down, preventing you from achieving your financial goals. Let's talk about the impact of debt on your financial well-being:

  1. Stress: Debt can cause anxiety and stress, affecting your mental and emotional health.
  2. Interest payments: The longer you carry debt, the more you'll pay in interest charges, eating into your income.
  3. Credit score: High levels of debt can lower your credit score, making it harder to get loans or credit in the future.

B. Strategies for paying off debt: the snowball and avalanche methods

Paying off debt can seem daunting, but with the right strategy, you can make progress and eventually become debt-free. Here are two popular methods for paying off debt:

  1. Snowball method: Start by paying off your smallest debt first, then use that momentum to tackle the next smallest debt. This method can be motivating since you'll see progress quickly.
  2. Avalanche method: Start by paying off the debt with the highest interest rate, then move on to the next-highest interest rate debt. This method can save you more money in interest charges in the long run.

C. Avoiding and managing credit card debt

Credit cards can be a useful tool, but they can also lead to debt if not used wisely. Here are some tips to help you avoid and manage credit card debt:

  1. Pay your balance in full: Try to pay off your credit card balance in full every month to avoid interest charges.
  2. Use it sparingly: Only use your credit card for purchases you can afford to pay off right away.
  3. Don't carry a balance: If you do have credit card debt, make a plan to pay it off as soon as possible.

D. Achieving financial freedom: building wealth and living debt-free

The ultimate goal is financial freedom - the ability to live life on your own terms and pursue your dreams without worrying about money. Here are some ways to achieve financial freedom:

  1. Build wealth: Invest in assets that appreciate over time, like stocks, real estate, or a business.
  2. Live debt-free: Avoid taking on debt for unnecessary expenses, and pay off any debt you currently have as soon as possible.
  3. Increase your income: Consider taking on a side hustle or starting a business to increase your income and build wealth faster.

By implementing these strategies, you can achieve financial freedom and live the life you've always dreamed of.

VIII. Conclusion

A. Recap of the key financial management principles

Before we wrap up, let's quickly recap the key financial management principles you've learned. With these in hand, you'll be well-equipped to tackle your financial challenges like a pro.

B. The importance of discipline, consistency, and adaptability

We know it takes effort, but remember: discipline, consistency, and adaptability are your secret weapons in achieving financial success. Keep them close and you'll be unstoppable.

C. Encouragement to take action and embark on the journey toward financial independence

You've got this! Now it's time to take action and embark on your journey towards financial independence. We're cheering you on as you conquer the world and achieve your dreams, one rupee at a time!

And that's a wrap! We hope this guide has inspired and empowered you to take control of your finances. Remember, you're not alone in this journey. Keep a light-hearted attitude and stay motivated – your financial success is just around the corner!

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Swiggy Inhouse Only
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Flying Machine
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5
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Indian Terrain
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10
% OFF
Gas
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10
% OFF
IKEA B2B
IKEA B2B
5
% OFF
Nykaa Man
Nykaa Man
6
% OFF
EazyDiner
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10
% OFF
White Crow
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10
% OFF
SonyLiv 6 Months
SonyLiv 6 Months
35
% OFF
VMart
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5
% OFF
Wrangler
Wrangler
6
% OFF
Only
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8
% OFF
Discovery+
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12
% OFF
Apple Airpods
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2
% OFF
Skinn
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6
% OFF
Jockey
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10
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10
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Unlimited
Unlimited
6
% OFF
Norton Antivirus Plus
Norton Antivirus Plus
60
% OFF
Blaupunkt
Blaupunkt
8
% OFF
Mia
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3
% OFF
Third Wave Coffee
Third Wave Coffee
8
% OFF
US Polo Assn
US Polo Assn
7
% OFF
Hyatt India
Hyatt India
10
% OFF
ZEE5 3 Months
ZEE5 3 Months
15
% OFF
Net Protector Pro 1 User
Net Protector Pro 1 User
70
% OFF
Giorgio Armani
Giorgio Armani
10
% OFF
PeeSafe
PeeSafe
15
% OFF
Blackberrys
Blackberrys
8
% OFF
Veridicus
Veridicus
12
% OFF
Simon Carter
Simon Carter
4
% OFF
Sigree
Sigree
8
% OFF
Linen Club
Linen Club
8
% OFF
Spotify 1 Year
Spotify 1 Year
5
% OFF
Tumi
Tumi
10
% OFF
Taneira
Taneira
6
% OFF
EA Sports FC Mobile
EA Sports FC Mobile
3
% OFF
Apple MacBook
Apple MacBook
2
% OFF
Home Center (Online)
Home Center (Online)
7
% OFF
Amazon Prime 3 months
Amazon Prime 3 months
13
% OFF
CultFit
CultFit
7
% OFF
Freecultr
Freecultr
15
% OFF
Relaxo
Relaxo
6
% OFF
Fabindia
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6
% OFF
Polar bear
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4
% OFF
SpiceJet
SpiceJet
2
% OFF
Docubay - deprecate
Docubay - deprecate
25
% OFF
The Collective
The Collective
2.5
% OFF
Appreciate Subscription
Appreciate Subscription
35
% OFF
Ferns N Petals
Ferns N Petals
10
% OFF
Mainland China
Mainland China
8
% OFF
YouMee-deleted
YouMee-deleted
2.5
% OFF
Helios
Helios
8
% OFF
Tata Play HD
Tata Play HD
12
% OFF
Villeroy & Boch
Villeroy & Boch
10
% OFF
Kate Spade
Kate Spade
10
% OFF
Brooks Brothers
Brooks Brothers
10
% OFF
Mothercare
Mothercare
10
% OFF
Himalaya
Himalaya
5
% OFF
Watcho Dish TV
Watcho Dish TV
2.5
% OFF
American Eagle - to be deleted
American Eagle - to be deleted
2
% OFF
Replay
Replay
10
% OFF
Bally
Bally
10
% OFF
Forever New
Forever New
7
% OFF
Birkenstock
Birkenstock
8.5
% OFF
Michael Kors
Michael Kors
10
% OFF
Urban Ladder
Urban Ladder
8
% OFF
Behrouz Biryani
Behrouz Biryani
8
% OFF
Speedo
Speedo
10
% OFF
PhonePe
PhonePe
2.5
% OFF
Planet Fashion
Planet Fashion
2.5
% OFF
Indian Gifts portal
Indian Gifts portal
16
% OFF
Cleartrip
Cleartrip
5
% OFF
Ornaz
Ornaz
10
% OFF
Tata Cliq
Tata Cliq
6
% OFF
Microsoft 365 Personal
Microsoft 365 Personal
20
% OFF
Jimmy Choo
Jimmy Choo
10
% OFF
Hush Puppies
Hush Puppies
8
% OFF
Avast AVG
Avast AVG
2.5
% OFF
DeVagabond
DeVagabond
10
% OFF
Paul Smith
Paul Smith
10
% OFF
Unipin E-Gift
Unipin E-Gift
3
% OFF
Borosil
Borosil
7
% OFF
Ray-Ban
Ray-Ban
8
% OFF
Cafe Delhi Heights
Cafe Delhi Heights
8
% OFF
Trends Women
Trends Women
12
% OFF
Blissclub
Blissclub
9
% OFF
Apple iPhone 14
Apple iPhone 14
2
% OFF
Netmeds
Netmeds
8
% OFF
iPhone 15 Pro
iPhone 15 Pro
2
% OFF
Spencer
Spencer
3
% OFF
Imagine Apple Premium_Delete
Imagine Apple Premium_Delete
2
% OFF
BB Now
BB Now
3
% OFF
Titan Eye+
Titan Eye+
9
% OFF
Lifestyle (Online)
Lifestyle (Online)
7
% OFF
Daily Objects
Daily Objects
10
% OFF
Reliance Trends
Reliance Trends
12
% OFF
Swiggy Inhouse Only
Swiggy Inhouse Only
4
% OFF
Bata
Bata
7
% OFF
Flying Machine
Flying Machine
7
% OFF
Spar Hypermart
Spar Hypermart
4.5
% OFF
Kalyan Diamond
Kalyan Diamond
5
% OFF
Indian Terrain
Indian Terrain
10
% OFF
Gas
Gas
10
% OFF
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