Food and beverage entrepreneur Kawaljeet Singh claimed his operations manager, who has no formal education or other skills and who earns ₹26,000/month, recently bought a ₹70,000 phone. He revealed the manager financed it with ₹14,000 cash, one-month salary advance and ₹30,000 online financing with twelve ₹3,000 EMIs. Noting he has three kids and a dependent wife, Singh said, "Mind=blown!"