1. Jeevan labh 936 2. New jeevan anand 915 3. Jeevan lakshya 933 4. Jeevan umang 945 Sir ye 4 top best lic policy me sabse behtar policy kaun si hai maximum 20 years ka premium wo bhi annual ya half annual jinka monthly income maximum 20000 ho usake liye ek video banaiye isake upar kyuki aap bahut achchha se samjhate hai
@@archi.599 Sbi e shield Icici prudential Pnb met lite Max life insurance Hdfc life Tata aia All of the above companies rejected my term insurance application for medical condition and LIC insurance is approved. So which is better?
@@archi.5991) If a peron pay 30% tax & he get 5.5 to 7.5% return from Life insurance policy is similler to 8 to 11% return from any Debt/Equity MF or Bank FD. & along with insurance cover (fr LIC soverign gurantee also). 2) no debt instrument beat inflation( u sud not compare debt product with market link product) 3) it's provide tax free return & life cover 4) u sud allocate ur aasate some % in debt some in equity/MF 5) u will get guaranteed cash flow till ur 100 years but if u want u can redeem ur mony after start ur pay out but it's not recommended bcz 'Some % of Investable mony in your portfolio should be illiquid,it will hlp u to achieve financial goals & avoided financial volatility'.
This year my jeevan umang policy matured . It have 5.5% maturity income per year. It's good but inflation is 8% now and inflation after 20 to 25 year inflation goes high.
😮Mere 2 questions hai 1Q - Aapne btaya ki mutual fund and Rd me investment kar e ke liye mail mutual fund Mai investment karta hai har month 1k lekin RD kya hai 2Q trum plan kya hai aur kaise le Please pic my question and reply ❤
Sir I watch almost all videos of yours you explain so well with examples which is quite easier to understand. Sir I am searching for the Sovereign Gold Bonds but there is no video of yours on that topic, Please Make a video on Sovereign Gold Bond Sir
1st . Is mutual fund return garunteed? 2nd. This plan gives you insurance from day One from policy start 3rd its non linked plan Mean your money won't be use in share market Plus The amount LIc is promising today they will return it garunteed. So don't compare Sip or Stock market(in which you can see UPs and Down) with Bank Fd or Lic policies which will give you fixed returns without any risk.
1) If a peron pay 30% tax & he get 5.5 to 7.5% return from Life insurance policy is similler to 8 to 11% return from any Debt/Equity MF or Bank FD. & along with insurance cover (fr LIC soverign gurantee also). 2) no debt instrument beat inflation( u sud not compare debt product with market link product) 3) it's provide tax free return & life cover 4) u sud allocate ur aasate some % in debt some in equity/MF 5) u will get guaranteed cash flow till ur 100 years but if u want u can redeem ur mony after start ur pay out but it's not recommended bcz 'Some % of Investable mony in your portfolio should be illiquid,it will hlp u to achieve financial goals & avoided financial volatility'.
Sir , I will call it an excellent video from your side. I have also taken Jeevan Umang will around 1 Lakh Premium per year. Now as I switched my job, it is very difficult to pay the premium, but somehow I'm managing. I have paid 2.5 years. I want to surrender the policy now. Kindly tell me when is the best time to surrender the policy as I am no more interested in continuing it..
Sir je......let's take an example......if u invest 100rs/month in LIC for 20y...u will get 50k after 20y...........same if u go in mutual fund u can get 2.5L......lets suppose when u want money the market crashes by 70% (for reference in COVID it crashed by 50%).....then it's equal to 50k.....
Aik baat batao aajkal cardless cash withdrawal ka feature hai par phir bhi banks isse badhava nahi dena chahte aisa kyu joki aik secure way hai atm se withdrawal ka aur rhi baat unke profit ki to wo ishme flat transaction fee ya subscription la sakte, Aaj m ke modern age mai cardless widhtrawal ko badhava milna chaiye Aaj atm widhtrawal old and risky way of atm widhtrawal hai.
@@sagarsahu6959 don't invest is "life insurance"....insted buy a "term life insurance" and invest in "mutual fund".......it is never wise to mix life insurance and investment.....but this is exactly what LIC does....... There is not even a single LIC policy that gives u better return than FD...... U can calculate it yourself.....take any LIC policy and calculate it's XIRR (can do it online).....it is never more than 7% and if accounting for inflammation it's not even 2%.......it for every 100rs u spend on LIC policy u get 2rs....even that 2 rs are also wasted as u have to pay GST over your premium wheneven u pay LIC premium......
@@sagarsahu6959 DO NOT invest for LIFE INSURANCE..... instead buy a TERM LIFE INSURANCE and invest in MUTUAL FUND........... Never mix life insurance and investment.....but this is was LIC does
Hello sir Me bank of baroda me home loan le raha hu but vo bol rahe Hai pahile apko property registration krana padega without approval home loan sir me kaise kr lu property registration sir agar age jake bank ne loan apporoved nhi kaiya to me problem me ha jaunga me bank me 10 bar ja chuka hu fir be vo he hi bol rahehai Isme me kya kru plzz help
Bhai muje bajaj ki taraf se phone aaya thha bajaj finserv rbl bank credit card k liye 500+gst waale ke liye aprove ho gya h vo phir uske 3 din baad call aaya ki aap credit card upgrade kra lijiye maine haa kr diya ab unn logo ne 2000+gst laga diya maine card ko down grade kr diya hai toh muje ab dusra card millega yaa vahi card chalega jo muje pehle hi 500+gst wala thha jo upgrade kra diya thha vahi down grade ho jayega yaa dusra card millega.....
Bhai, sabhi rishtedaro ne milke iss plan mein mereko fasaya, this month will be 3rd annual policy term, and the policy term is set 15 years, any possible way i opt out from this? and get my money back
Hello Sir Please Help Me 🙏 Maine Koi Loan Nehi Liya He Lekin 147 Din Ka Overdue Show Hora He Aur Mera Credit Score Bhi 763 Se 560 Ho Chuka He Please Help Me 🙏
tumhe koi jankari nahi hai insurance ki tum bank or credit card k bare Mai he batawo better hai ...or jb puri jankari na ho tho youtube par galat jankari na do
Is policy me profit he lekin tab jab aap 15 saalo ke liye le. Jisse jo pension he wo jaldi milni shuru ho jaye. Waise mutual fund sahi toh hai lekin sabhi log ke liye nahi he.
What will be the value of Rs. 2626 in the subsequent years. That will also depreciate. More over the term plan will cover till you pay the premium. If you want whole life cover in Term plan the premium is very very high. Consider the Long Term Capital Gain Tax and also the expenses ratio the Mutual Fund companies will charge between .5% to 1.5% on the corpus. This is a biased review. As someone should not put all the eggs in a single basket, in the same way one should not keep all his/her investments only in mutual funds. It seems you are not aware of US-64 (UTI) Case. Ultimately Govt. had to bailed out when Ketan Parekh scam hit the market.
1) If a peron pay 30% tax & he get 5.5 to 7.5% return from Life insurance policy is similler to 8 to 11% return from any Debt/Equity MF or Bank FD. & along with insurance cover (fr LIC soverign gurantee also). 2) no debt instrument beat inflation( u sud not compare debt product with market link product) 3) it's provide tax free return & life cover 4) u sud allocate ur aasate some % in debt some in equity/MF 5) u will get guaranteed cash flow till ur 100 years but if u want u can redeem ur mony after start ur pay out but it's not recommended bcz 'Some % of Investable mony in your portfolio should be illiquid,it will hlp u to achieve financial goals & avoided financial volatility'.
@@shouvikroy2320 @shouvikroy2320 Why are you taking 30% tax slab in your calculation? Even you don't earn that much, so stop considering 30% tax slab. If I want insurance, why shouldn't I take Term or health insurance separately which could be way more cheaper than these ULIPs. Why would I lock my money in a policy which I don't even know how much I actually gonna receive? (No transparent method of calculation) If I want illiquid investment why shouldn't I invest in NPS, which also ensures lock-in till age of 60. Investing in NPS and PPF is already EXEMPT EXEMPT EXEMPT. That guaranteed cash flow of 7k doesn't make any sense after even 20 years.
@@pulkitjain44 1) some of my client give prem 4 to 6lacs prem/year 2) Aasate allocation is important, endowment give 6-7 % tax free return till ur 100 years ,along with insurance cover + sovereign gurantee ( this is not ulip, even ulip can give good return(8-20%) 3) u can check how much u get from ur policy through customer portal LIC 4)we have kind of Nps product ( after age of 60 NPS's 40% amount invest in Life insurance annuity plan) 5) some % of ur investable mony sud be illiquid it will hlp u to avoid volatility, & achive ur financial goals in ur golden years & make u deciplin.(95% of MF investor redeem their mony within 5 yer, ) 6) 1st u sud take a term plan must. 7) in child plan PWB can hlp. If parents die, total premium will wave but child can get his benifit. 8) i am not against Equity,MF,SGB etc...
Bhai paisa bhi toh tu kodiyo ke bhav bhar rha hoga Jab paise ki value ghategi toh jo tu bhar rha hoga uski bhi toh value ghategi Har saal premium thodi badha rhi hai lic Paise toh utne hi legi
Please check all exceptions that are there in the 700 rupees term insurance policy. What is the guarantee that you will get your amount. I had a very bad experience with low premium term insurance, never take term insurance from a private insurance company.
1. Jeevan labh 936
2. New jeevan anand 915
3. Jeevan lakshya 933
4. Jeevan umang 945
Sir ye 4 top best lic policy me sabse behtar policy kaun si hai maximum 20 years ka premium wo bhi annual ya half annual jinka monthly income maximum 20000 ho usake liye ek video banaiye isake upar kyuki aap bahut achchha se samjhate hai
jeevan labh mein sabse jada return hai
Jevan Umang is better option for 1. Life Cover (when no one given you term insurance)
2. No tax on maturity ammount
3. When any medical health problem
Kya bakwaas logic hai, LIC is not a better option
@@archi.599 Sbi e shield
Icici prudential
Pnb met lite
Max life insurance
Hdfc life
Tata aia
All of the above companies rejected my term insurance application for medical condition and LIC insurance is approved.
So which is better?
@@archi.5991) If a peron pay 30% tax & he get 5.5 to 7.5% return from Life insurance policy is similler to 8 to 11% return from any Debt/Equity MF or Bank FD. & along with insurance cover (fr LIC soverign gurantee also).
2) no debt instrument beat inflation( u sud not compare debt product with market link product)
3) it's provide tax free return & life cover
4) u sud allocate ur aasate some % in debt some in equity/MF
5) u will get guaranteed cash flow till ur 100 years but if u want u can redeem ur mony after start ur pay out but it's not recommended bcz 'Some % of Investable mony in your portfolio should be illiquid,it will hlp u to achieve financial goals & avoided financial volatility'.
Sir Kya toh Patkha Shabd ka Istemal Kiya hain! Hasi Aa Gyi
30 saal ke bad month may 7000 may kuch nahi hone wala
bhai aap cover amount jyada le sakte ho iske liye, aapko jyada amount milega installment me
paise tu dega?@@hstiwari567
बिल्कुल सही
🤣🤣🤣
Ek khamba ajayga mehenga wala pike duniya chor denge
Lic is for beginners its that simple
कुछ न होने से कुछ होना better है ❤
This year my jeevan umang policy matured . It have 5.5% maturity income per year. It's good but inflation is 8% now and inflation after 20 to 25 year inflation goes high.
Hope that was Jeevan Tarang Not Jeevan Umang. which will give you a maturity benefits too.
@@grpinsureinvest155 Tarag wil only give bonus and end of PPT, rest is just a whole life cover
Aankhein khol di bhaiya. Thank you. ❤❤❤
😮Mere 2 questions hai
1Q - Aapne btaya ki mutual fund and Rd me investment kar e ke liye mail mutual fund Mai investment karta hai har month 1k lekin RD kya hai
2Q trum plan kya hai aur kaise le
Please pic my question and reply ❤
Very valuable information,thanks for your time
Love the way you explain brother
₹6400 in 2054 is today's ₹1050 only, right explanation, koi inflation ke bare mein nahi bataya
Sir I watch almost all videos of yours you explain so well with examples which is quite easier to understand. Sir I am searching for the Sovereign Gold Bonds but there is no video of yours on that topic, Please Make a video on Sovereign Gold Bond Sir
Very nice speach.
1st . Is mutual fund return garunteed?
2nd. This plan gives you insurance from day One from policy start
3rd its non linked plan
Mean your money won't be use in share market
Plus
The amount LIc is promising today they will return it garunteed.
So don't compare Sip or Stock market(in which you can see UPs and Down) with Bank Fd or Lic policies which will give you fixed returns without any risk.
Even if you put in fd you will get better return than this policy
Bihar to Muzaffarpur
Big fan 🎉🎉🎉🎉🎉❤❤❤
Information to solid hai boss❤
Bilkul sahi bole mere piche bhi ek agent pada tha lic wala me bhav nai diya
1) If a peron pay 30% tax & he get 5.5 to 7.5% return from Life insurance policy is similler to 8 to 11% return from any Debt/Equity MF or Bank FD. & along with insurance cover (fr LIC soverign gurantee also).
2) no debt instrument beat inflation( u sud not compare debt product with market link product)
3) it's provide tax free return & life cover
4) u sud allocate ur aasate some % in debt some in equity/MF
5) u will get guaranteed cash flow till ur 100 years but if u want u can redeem ur mony after start ur pay out but it's not recommended bcz 'Some % of Investable mony in your portfolio should be illiquid,it will hlp u to achieve financial goals & avoided financial volatility'.
Great job sir
Keep it up
I have learned a lot from you
Sir , I will call it an excellent video from your side.
I have also taken Jeevan Umang will around 1 Lakh Premium per year. Now as I switched my job, it is very difficult to pay the premium, but somehow I'm managing. I have paid 2.5 years.
I want to surrender the policy now. Kindly tell me when is the best time to surrender the policy as I am no more interested in continuing it..
dont surrender. Keep it as Paid up. If in 5 years you are in better financial condition revive the policy.
Sir ji lekin sip mf ki guarantee nahi hai. Lic safe hai.
😂😂
Sir je......let's take an example......if u invest 100rs/month in LIC for 20y...u will get 50k after 20y...........same if u go in mutual fund u can get 2.5L......lets suppose when u want money the market crashes by 70% (for reference in COVID it crashed by 50%).....then it's equal to 50k.....
Good analysis.
Aik baat batao aajkal cardless cash withdrawal ka feature hai par phir bhi banks isse badhava nahi dena chahte aisa kyu joki aik secure way hai atm se withdrawal ka aur rhi baat unke profit ki to wo ishme flat transaction fee ya subscription la sakte, Aaj m ke modern age mai cardless widhtrawal ko badhava milna chaiye Aaj atm widhtrawal old and risky way of atm widhtrawal hai.
What about the accumulated bonuses? if you want to surrender the policy after PPT, you can do so and exit with a large corpus isnt it?
Please make more videos on SIPs and Mutual funds
Great video sir , planning to take a life insurance, currently I am 23 . Please make video on other LIC plan.
Feel free to contact me for more details
Don't waste money on LIC
@@lavichawla1917 then where to invest for life insurance?
@@sagarsahu6959 don't invest is "life insurance"....insted buy a "term life insurance" and invest in "mutual fund".......it is never wise to mix life insurance and investment.....but this is exactly what LIC does.......
There is not even a single LIC policy that gives u better return than FD......
U can calculate it yourself.....take any LIC policy and calculate it's XIRR (can do it online).....it is never more than 7% and if accounting for inflammation it's not even 2%.......it for every 100rs u spend on LIC policy u get 2rs....even that 2 rs are also wasted as u have to pay GST over your premium wheneven u pay LIC premium......
@@sagarsahu6959 DO NOT invest for LIFE INSURANCE..... instead buy a TERM LIFE INSURANCE and invest in MUTUAL FUND........... Never mix life insurance and investment.....but this is was LIC does
Matual fund by chance markit down ho gai fir ?
long term me profit hi dega
Aapne nominee ke bare me kuch nahi bataya..nominee ko kya benefit h?
Sir please make a video on best LIC policy we will choose
Koi bhi mat lo
Hamesha Investment aur Insurance alag alag rakho
3:52 Point pe pakde ho bhai😂😂😂
Mutual Funds is not Guaranteed..
Very few mutual funds is giving good returns
And Cheap term insurance rejects claims..
Sir best term plans per bhi video bana do. Which one to take.
Sir maine bevkufi me policy leli plz bataye ki ye policy muze surrender karni he
Please explain about
Post office MIS scheme
Good analize
Aap kon sa Company ka Terms plan Liye h, sir
Please uske Bare me Ek video Banaiye
Please make a video on LIC Jeevan Labh
Kya Janna hai bhai
Your explanation ❤❤
Hello sir
Me bank of baroda me home loan le raha hu but vo bol rahe Hai pahile apko property registration krana padega without approval home loan sir me kaise kr lu property registration sir agar age jake bank ne loan apporoved nhi kaiya to me problem me ha jaunga me bank me 10 bar ja chuka hu fir be vo he hi bol rahehai
Isme me kya kru plzz help
Sir please make a video on salary account 🙏
Thank you so much sir ❤❤❤
SIP me Capital Gain tax kitna lagta hai.
Bhai muje bajaj ki taraf se phone aaya thha bajaj finserv rbl bank credit card k liye 500+gst waale ke liye aprove ho gya h vo phir uske 3 din baad call aaya ki aap credit card upgrade kra lijiye maine haa kr diya ab unn logo ne 2000+gst laga diya maine card ko down grade kr diya hai toh muje ab dusra card millega yaa vahi card chalega jo muje pehle hi 500+gst wala thha jo upgrade kra diya thha vahi down grade ho jayega yaa dusra card millega.....
Bro apne upar logo ko trust bohot he thora passive income ke bare me bhi ek video bana dina please
Great information
Bhaiya same case APY ke saath bhi hai.
5k per month ki kya value h aaj se 30 saal baad jab 30 ki umar vala 60 ka ho jayega
Sir mera cibil 790 ha age 19 ha muja koi credit card milagi kia please reply 🙏🏻
Thank you 🎉
Sir lic ki aro policy ke bare me video bnao
Bhai plz make video on lic index plus in which lic say 13% p.a. return in 10 years
I can share u some proof about this, if u want
Bhai, sabhi rishtedaro ne milke iss plan mein mereko fasaya, this month will be 3rd annual policy term, and the policy term is set 15 years, any possible way i opt out from this? and get my money back
Superb❤❤
ICICI Bank me kese account khole uske bare me bataiye
There is another plan in lic that is jevan utsav 10% return
bhaiya soverign gold bond p detailed video laiye
Hello sir.
Aaj mai Pan Card Online Bana Raha Tha
Income Source Me No Income Ki Jagah Capital Gains Ho Gaya
Isse Aage Jaa Ke Koi Dikkat To Nahi Hoga?
IT notice aega
@@kitten_with_bad_breath kaisa notice?
lic is the trusted organisation
settlement 100%
Max life insurance k bare video banaiye Sir
Lic jivan labh kaa bare me video dalo na sir
Sir jiban labh ke bare me video banaye
626 rs can suggest team plant
SBI RELIANCE CREDIT CARD INFORMATION DEDO PLEASE 🙂
Hello Sir Please Help Me 🙏
Maine Koi Loan Nehi Liya He Lekin 147 Din Ka Overdue Show Hora He Aur Mera Credit Score Bhi 763 Se 560 Ho Chuka He Please Help Me 🙏
tumhe koi jankari nahi hai insurance ki tum bank or credit card k bare Mai he batawo better hai ...or jb puri jankari na ho tho youtube par galat jankari na do
Bank of baroda ke lite zero current Account ke upar ek video banaiye sir❤
Insurance aur bank se compare karna sahi nahi.
Very nice
Nice brother
Is policy me profit he lekin tab jab aap 15 saalo ke liye le. Jisse jo pension he wo jaldi milni shuru ho jaye.
Waise mutual fund sahi toh hai lekin sabhi log ke liye nahi he.
Very Nice
3yrs k bad policy khotom kor diya to kitna milega....% bataw
Brother Roasted lic jeevan umang🤧😆
Jeevan labh le rakhi hai usko band karane ke liye kya kare
Note :- VEDIO ME DIKHAYE GAYE SABHI CALCULATION KALPANIK HAI TO APNE RISK PE INVEST KARE SAB JAGAH😅 REAL LIFE ME ESA KABHI HOTA HI NAHI HE😂
U right😂😂
This is a guaranteed plan
So nothing is kalpanik
Aapne LIC ka agent kabse churu kya, aapne bataya Nehi ye khuskhabri
Jeevan Utsav ka bhi karna bahi
Jeevan umang better hai.... Atleast guranteed hai....
Bhai agr SIP karne wala mar gya to us investment ka kya hoga ......???????????
Mutual fund mein Paisa Kaise Lagate Hain koi agent se Milana padega kya sar kya karna padega Sar batao please
Bhai muze pata hai Maine ki hai challu 2years hoau hai 2k per month
SBI KA SAMPOORNA SURAKSHA VIDEO CHAIHA
Superb
What will be the value of Rs. 2626 in the subsequent years. That will also depreciate. More over the term plan will cover till you pay the premium. If you want whole life cover in Term plan the premium is very very high. Consider the Long Term Capital Gain Tax and also the expenses ratio the Mutual Fund companies will charge between .5% to 1.5% on the corpus. This is a biased review. As someone should not put all the eggs in a single basket, in the same way one should not keep all his/her investments only in mutual funds. It seems you are not aware of US-64 (UTI) Case. Ultimately Govt. had to bailed out when Ketan Parekh scam hit the market.
Ye kya ULIP hain??
Paktaka*
😂😂 bhai awesome
Sum assured is not equal to total premium payed🤨
Sir jeevan utsav par video
Pataka bol jaiga 🎉😂😂
Thanks❤
Maan sir aapki calculation
Isiliye samajhdar kehte h.
Don't mix your insurance with investment. Keep them separate.
1) If a peron pay 30% tax & he get 5.5 to 7.5% return from Life insurance policy is similler to 8 to 11% return from any Debt/Equity MF or Bank FD. & along with insurance cover (fr LIC soverign gurantee also).
2) no debt instrument beat inflation( u sud not compare debt product with market link product)
3) it's provide tax free return & life cover
4) u sud allocate ur aasate some % in debt some in equity/MF
5) u will get guaranteed cash flow till ur 100 years but if u want u can redeem ur mony after start ur pay out but it's not recommended bcz 'Some % of Investable mony in your portfolio should be illiquid,it will hlp u to achieve financial goals & avoided financial volatility'.
@@shouvikroy2320 Maa kabhi apne bete ko bura bolegi kya.
LIC agent kabhi lic policy ko bura bolega kya
@@pulkitjain44 have you any clarification about my statement ? Calculation is wrong/right ?
@@shouvikroy2320 @shouvikroy2320 Why are you taking 30% tax slab in your calculation? Even you don't earn that much, so stop considering 30% tax slab.
If I want insurance, why shouldn't I take Term or health insurance separately which could be way more cheaper than these ULIPs.
Why would I lock my money in a policy which I don't even know how much I actually gonna receive? (No transparent method of calculation)
If I want illiquid investment why shouldn't I invest in NPS, which also ensures lock-in till age of 60.
Investing in NPS and PPF is already EXEMPT EXEMPT EXEMPT.
That guaranteed cash flow of 7k doesn't make any sense after even 20 years.
@@pulkitjain44 1) some of my client give prem 4 to 6lacs prem/year
2) Aasate allocation is important, endowment give 6-7 % tax free return till ur 100 years ,along with insurance cover + sovereign gurantee ( this is not ulip, even ulip can give good return(8-20%)
3) u can check how much u get from ur policy through customer portal LIC
4)we have kind of Nps product ( after age of 60 NPS's 40% amount invest in Life insurance annuity plan)
5) some % of ur investable mony sud be illiquid it will hlp u to avoid volatility, & achive ur financial goals in ur golden years & make u deciplin.(95% of MF investor redeem their mony within 5 yer, )
6) 1st u sud take a term plan must.
7) in child plan PWB can hlp. If parents die, total premium will wave but child can get his benifit.
8) i am not against Equity,MF,SGB etc...
Bhai paisa bhi toh tu kodiyo ke bhav bhar rha hoga
Jab paise ki value ghategi toh jo tu bhar rha hoga uski bhi toh value ghategi
Har saal premium thodi badha rhi hai lic
Paise toh utne hi legi
Bhai apne lic ko hi roast kar dala 😂😂😂
Please check all exceptions that are there in the 700 rupees term insurance policy. What is the guarantee that you will get your amount. I had a very bad experience with low premium term insurance, never take term insurance from a private insurance company.
Kahan se Liya tha apne aur kya problem hua
Surrender value bohot jyada hai Umang ki.....
Tq
Mutual Fund mein Guaranteed return nahi milta sir ji. Kyun behem mein daal rhe ho masoom janta ko
Pathka ku Baja rahe ho sir😂😂
Marr gya ❌ Patakha baj gya ✅
Sip batao bhai