Product/Service review


Fight demonetisation woes with AxisPay UPI app

These days everyone is going through a tough time receiving money or sending money, thanks to the Vaahiyaat demonetisation rules imposed on us. Why vaahiyaat, is stuff for another post. However, till the time the instant removal of 86% of our cash flow is dealt with slowly and painfully, we can surely ease the pains we go through every day to pay for various services and goods.

Going Cashless can be done in many ways. Apart from paying through credit or debit cards and mobile wallets, one such option is UPI apps. UPI stands for Unified Payments Interface , a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund transfers & merchant payments – all into one. This system was launched by NPCI (National payments corporation of India) in April’16. Now all banks have started sharing their particular UPI enabled apps from August’16 onwards.

In this post, I will share some details about the Axis Bank UPI app, called AxisPay that I had the pleasure of using and experiencing lately. Axis bank was one of the earlier banks to come out with their app. It is very simple to use. Instant payments can be made vis this app, by using a Virtual Payment Address (VPA). One does not need to remember beneficiary details like account number, IFSC etc. Just Send money or Ask for money using a Virtual Payment Address. 

Here’s a very quick 20 second intro of what all Axis Bank’s Axis pay UPI app can do

And here’s how to do it.

 

 

As you can make out, the steps are really simple. No matter which bank account you have, using this app, you can send payments directly to any other bank account holder as long as they are using any UPI app (similar to withdrawing cash from any ATM irrespective of bank account). So here are the steps.

  1. Download the Axis Pay app from Google Play Store (iOS version coming out soon)
  2. Select your preferred bank account
  3. Create a unique ID (example – yourname@axisbank)
  4. Verify your account & set a PIN

 

To send money:

  • Select your & receiver’s unique ID
  • Enter amount
  • Send money by entering PIN

To receive money:

  • Select your & sender’s unique ID
  • Enter amount
  • Receive money when sender approves transaction on his app

The best thing about making payments through the Axis Pay UPI app is that the money doesn’t go to a wallet with an additional step (and some charges) to transfer it into your bank account. It also uses two factor authentication, keeping it absolutely secure. As compared to NEFT, RTGS etc, this mode of money transfer is instant and can be done 24X7X365 without any fees to use your own money. One app can be used to make payments to anyone anywhere, as long as they are using any UPI app. You don’t even need an axis bank account to be able to use the Axis bank UPI app. Besides, there’s no need to remember or fumble around for bank account numbers and IFSC codes. You can even pay merchants & even do online shopping using this app. In fact, Freecharge has partnered with Axis Bank to launch UPI enabled payment on its Android app!

So go ahead and download Axis Pay UPI app to make your life easier!

 

 


Hair today, what tomorrow! (Review)

So I took up the #happyhairchallenge from Garnier almost a month back & at that time my hair had the tendency to be like what I highlighted here!

Here’s the journey from a tendency like this –>

monica-geller1

to using this –>

IMG_20150220_220013_1

to hair like this –>

MonicaBlonde

KIDDING! No my hair didn’t change colour! 🙂

to this –> (well somewhat)

MonicaClean

After using the shampoo frequently over a period of a month, following was my experience:

In the initial days of usage, my hair would feel soft immediately after the wash and conditioning process. However once my hair would dry properly, it would look rather electrified and I had to apply hair oil each time to just settle it! (grr – see topmost image above again) So I reduced the quantity of shampoo used. I also increased the time I waited, before washing off the conditioner and the results improved considerably. No more frizz. And my hair felt “silky” & easy to maintain. I might as well add, that the conditioner bottle mentions applying it on scalp but I NEVER apply conditioner to my scalp (ever since I learnt from haircare professionals that one is not supposed to). I take some in my palms and rub it from roughly 1 inch of hair follicles to hair tips without going to the scalp. It does help in reducing hair fall because conditioner is tougher getting out of one’s hair. Also, I don’t wash my hair without applying hair oil and massaging well first. So the product hasn’t been tried on an absolutely “dry” head.

More thoughts:

Both the shampoo & conditioner have attractive & bright packaging and a pleasant fruity smell. They have a pretty good shelf life (36 months) compared to other brands. The lathering is moderate. Not too much and not too less. I personally like more lather, but as long as results are fine, this is ok too.

The conditioner bottle’s instructions mention leaving it in for 1-2 minutes, but I left it for a good 3-4 minutes before washing off (towards the later half of my experiment). I have tried leaving it for shorter but as mentioned above, it doesn’t help my hair in the least.

Previously when I had been asked for a hair evaluation by Garnier (“Which is the biggest hair problem that you face?”) Mine in decreasing order of concern, were:

  • Frizzy/Unmanageable hair
  • Rough Hair
  • Dry/Undernourished hair
  • Weak roots leading to Hair Fall
  • Split ends

After using the shampoo for a month, the rating that I have submitted to Garnier is the following:

Does your hair feel Nourished after using Triple Nutrition?* – Yes
Does your hair feel Stronger after using Triple Nutrition? * – No
Has your hairfall reduced after using Triple Nutrition? * – No
Have your split-ends reduced after using Triple Nutrition? * – NA
Does your hair feel smoother and softer after using Triple Nutrition? * – Yes
Is your hair more manageable/easy to detangle after using Triple Nutrition? * – Yes
Does your hair look shinier after using Triple Nutrition? * – Yes
Rate the Fragrance of Triple Nutrition * – Love it!
Would you recommend Garnier Fructis Triple Nutrition? * – Yes , can. In this price range.
Will you buy Garnier Fructis Triple Nutrition? * – May be.

Good STUFF :

  • Affordable (Rs. 135/- each).
  • Good shelf life (36 months).
  • Colourful bottle, easy to open flip cap.
  • Smells nice.
  • Smoothens hair once you get what’s right for your hair.
  • Hair detangling made easier.

BAD STUFF :

  • Does not reduce hair fall.
  • Made my hair dry and electrified till I figured out what’s right for my hair (which was after not following the instructions on the bottle) .
  • For those finicky about chemicals in your shampoo – well this is not for you.
 Rating : 3.5/5

Disclaimer: I have not been paid for this review, but I did receive the samples of the product from Garnier. This is an unbiased review of the same.



Hair today, what tomorrow! 1

Since the beginning of time immemorial, I’ve had rather long hair (almost knee length or at least butt length for most of my life). Last year on women’s day I chopped my tresses in a bid to do something different, and went in for “shoulder length hair”. I know that counts as “long” for many but for me it was *rather* short going by what I had almost all the time. My biggest problem has always been how to keep my hair free from entangling and avoiding heartbreak (also known as hairfall that results from the aforementioned entangling). My hair is naturally wavy, and it tends to go rather frizzy if not maintained properly. Every hair wash episode is a mini project in the art of combing hair without entangling or breaking the long length. I have never tried any chemical treatments and have never straightened, streaked or coloured my hair. I go in for hair spa treatments from time to time to tame the tresses. In short, I’ve been a rather aadarsh bhartiya naari. And now that I have “short” hair, and tend to keep them open, I need all the help I can get to maintain my hair.

Now I can’t possibly pass off Monica’s excuses for my frizzy hair.

monica-geller1

 

Or try and tame them like this.

monica-cap

Or try things like this.

monica-friends-dreadlocks-beads

So I went in for something simpler..ahem!

.IMG_20150220_220013_1

(Ok, I couldnt help dramatising that image with textures etc)

Recently, Garnier contacted me and asked me if I wanted to try this product and review it, so here I am, trying out Garnier’s Triple nutrition range. Here are some closeups of the product that I am about to review.

IMG_20150220_215913_1IMG_20150220_215905_1

I was asked “Which is the biggest hair problem that you face?” Mine in decreasing order of concern, are:

  • Frizzy/Unmanageable hair
  • Rough Hair
  • Dry/Undernourished hair
  • Weak roots leading to Hair Fall
  • Split ends

All hair products have several claims.. be it hair masks, serums, shampoos, conditioners, hair oils and what not. Now I am about to test out the claims of this one! And I’ll be putting up my review as part of the #hairchallenge.

First impressions:

The appearance looks attractive. I like the bright colours. The bottles have a good grip on slippery shampoo-ey hands. They have a very convenient to open cap unlike many other brands where you have to struggle to flip open a rather tight cap and end up with hurting fingers and the shampoo splattered on the wall. The stuff smells real nice – but then don’t they all :).

Let’s see where it goes. Shall post a review update soon. And needless to say the review will be based on my personal hair experience and nothing else.