Hello there!

I'm Anisha, a 24 y/o software developer in Bangalore. Through my page figuringitoutwanisha I want to share with you all my experiences, my learnings, and just the other cool things I stumble upon through this journey of life!

More about me

Figuring out life one step at a time

#8 How to evaluate your year

This is a feeling a lot of people share, where they feel that time just passes them by, and it's not because it's true, it's because they never took the time to reflect on any of it. Did time pass them by? Did they make any mistakes? What went right? What made them happy? Because "Life is lived in the present, but understood in the past." So at the end of each year, or in my case the middle of January, these are the few questions I look to answer and I hope they help you too

Thoughts

Mar 26 min read

#7 How I stopped doomscrolling

“You Are What You Consume” This quote is annoyingly true. It applies to everything, the food we eat, the media we consume, the books we read, the people we spend our time with.

Newsletter

Jan 65 min read

#6 I hate changing routines

"Life is like a TV show, and you're just in season 10." March was a blur of healing & change, but every season tells a story!

Thoughts

Mar 31, 20253 min read

#5 Moved by authenticity

March is flying by, but small wins matter. Adulthood feels unstructured, but embracing progress and authenticity makes it all worthwhile.

Newsletter

Mar 3, 20253 min read

2 3 4 5

All Posts

Let the posts
come to you.

I get that there are workarounds using credit cards or UPI AutoPay to avoid NACH mandates, but in India, majority of payments such as SIPs or insurance payments still run through the NACH/ECS system if you want the money to get auto-debited every month or every year.

I didn’t face this because I don’t have my SIP on auto debit, so if I miss a month, the broker doesn’t charge me any penalty.

Now, when a payment fails due to insufficient balance, banks end up charging a penalty fee, which is usually justified as a processing or return charge. But considering a large population in India may be managing tight monthly cash flows, sometimes priorities just shift for that month.

So the question becomes: should a system that’s meant to encourage disciplined investing penalize this kind of failure, especially when it’s not a strict obligation?

In the US, earlier, bounce/NSF fees did exist, but many banks have now removed them, and fees typically apply only if the bank actually covers the payment (overdraft). Similarly, in Europe, SEPA systems are lighter where failures usually don’t attract fees, and in some countries, at most a very small fee.

So the burden shifts more towards the service provider or system, rather than the user bearing a penalty for a failed attempt.

Not saying one system is perfect, but it does raise the question of whether charging ₹250–₹500 for a failed mandate makes sense, especially when the actual processing cost is likely much lower. At that point, it can start to feel like a revenue line tied to failures rather than just a deterrent.

Huge credit to @theken_web for the original article, the reel barely scratches the surface of what was discussed there. Definitely worth a read if you’re curious about how these systems actually work. This was also raised by @raghavchadha88 during a Parliament session in March 2026, so it’s clearly something that’s starting to be discussed more widely.
Also, I’m not someone who is deeply well-versed in this system — this is just a perspective that came up while reading. If I’ve got something wrong, happy to learn, just be kind about it :)

Only ads

[make Instagram casual again, reels, Instagram ads]

3 years of growing out and cutting my bleached hair only to color it again but this time without bleach 🤞

As I don’t like gate keeping, I got this done at @boonsalon 🥰

[hair transformation, red head, red balayage, no bleach color]

.pro-gallery-wix-wrapper {display: block !important;} .pro-gallery-wix-wrapper .gallery-item-container {opacity: 1 !important; display: block !important;}

Find me on instagram

Contact