Loan & Finance Tips on Your Finger Tips

Gold is the most favorite and trustworthy savings commodity for the Indian people. It is also a status symbol in many of the parts in our country, the more amount of gold you possess, the more stature you have in the society. It has always been like this from the hundreds of years as we all know that our country used to be known as The Golden Bird because of the amount of gold we have back then. We have brought the act of buying gold on certain days as our holy custom. India’s gold industry is considered to have more than 300,000 jewelers, which consists mostly of small, family-run businesses. Gold is also considered to be a safe investment option in our country. When the GST arrived on the 1 July of 2017, by the government of India to overhaul the complicated tax structure of India, it made a huge impact on various categories. But GST Impact on Gold Industry was a noticeable one as it eliminated the various kind of taxes like Excise duty and VAT (Value Added Taxes) on it by imp...

In India, most of us dream of owning our home someday. But think otherwise after seeing the exorbitant prices. Because it's practically a bit difficult for the common people to put up such a hefty amount a once and buy their own home. To help in achieving their dream, banks and financial institutions give loans. These loans can be for various purposes like home renovation, home extension, home purchase, land purchase, or for home repair. A home loan is basically an amount any bank or a financial institution gives to a person for the home purchase which she/he has to repay in a certain time period which depends on your choice.  This loan amount can not only be used for home purchase but also for other purposes. A loan amount depends on various factors such as age, monthly income, your CIBIL score, property location/value. This loan can be availed by both the salaried and self-employed individuals. These factors usually vary from bank to bank and before applying for a loan, y...

Credit Card usage in a perfect way is an art and there are some of those who are not artist enough and end up irresponsibly using their credit card. The right way to use a credit card is to spend it wisely and on only those things which are really important and significant enough to buy at this moment and repay the amount before the due date on every month. By doing this, you’ll not let the debt mount up to a scale that you won’t be able to pay it. But some people do this without knowing the consequence of it and ends up increasing the number of non-payments, late charges, and delayed payments to that stage when they aren’t able to pay the amount. To get yourself saved from such situations, a balance transfer is always a smart choice. If you don’t have enough amount to pay the dues, you can opt for it through which your high-interest debt will be transferred to another bank with lower interest rates with zero percent interest balance transfer. Many banks provide 0 Balance Transfe...

In today’s digital world, the process of opting for a right kind of home loan attainable at an affordable rate of interest which doesn’t put any kind of extra pressure on your pocket is both easier than ever and tiring at times. Easier than ever because of the online application services various banks and financial institutions are offering. Tiring and endless, because it’s not easy to choose the right option from a ream of home loans available in the current market scenario. If you’re also searching for a home loan to turn someplace into your adobe, then consider your search ends here because this article will give you all the possible information about the Home Loan interest rates all banks offering currently. Banks and financial institutions not only offer a home loan for the home purchase but also for purposes like home renovation, home extension, home repairing, land purchase, and many other purposes. A home loan has helped the common men of India to a large extent, as it e...

Consider your search for the perfect home loan end now, as you will get to know about the amazing benefits and banking services offered by YES bank by this article. Being the fourth largest private sector bank in India, Yes bank provides you the much needed financial leverage to make your dream of owning a home true. The process of choosing the right home loan at the perfect rate of interest is a tedious task and it seems like that it will never end. But fret not because a YES bank home loan will solve all your problems at once! A Yes bank home loan provides you a loan not only for your home purchase but also for the purposes like home renovation and home repair. Being the only bank awarded with the Greenfield License by the Reserve Bank of India in the last two decades, YES Bank home loan interest rate is the most competitive among all the players in this financial segment. With features like easy repayment options, higher loan amounts, longer tenure period, YES bank is one of ...

A home owned by yourself is the most important thing which everyone desires to fulfill in their life at some point in time. Canfin Homes, one of the leading contenders in the housing finance sector with an experience of over 31 years, can help you in owning your home. Having more than 154 branches, 21 Affordable Housing Loan Centres (AHLCs), and a total of 14 satellite offices in over 21 states and union territories. Canfin Homes gives affordable home loans for home renovation, home extension, as well as for home conversion, land purchase, and plot purchase. But while looking out the loan options, some people are too hesitant about the monthly installments they have to repay the loan amount.  The EMI amount is important as it can make a dent in your monthly budget if don’t plan smartly about it by giving thought to all the factors. You don’t want to make your Home Loan as a continuing regret for yourself. Let’s have a look at the Canfin Homes EMI calculator , made exclusively...

Choosing the right kind of home loan from the several options available is a cumbersome task and what’s harder than choosing the right plan is to calculate the amount of EMI which you’ll have to pay in the future to return the loan in the given period. SBI home loans are the easiest and most demanded home loans in India. To make the process of calculating your monthly installments, you can use the SBI Home loan calculator . This EMI calculator is nothing but a magical tool regarding the error-free calculation of the EMI amount with just a few basic steps. Apart from the amount of EMI, with the help of SBI Home Loan Calculator, an individual can also check the monthly interest and monthly reducing balance from the loan amount. By checking the EMI, you can prepare for future payments and manage your financial life in a better way. To get the amount of EMI, the details you will be needing are as below. Principal Home Loan Amount: This is the desired amount for which you...

In the pursuit of achieving the feat of being the finest quality bank of the world in India by 2020, Yes Bank is progressing towards it slowly and steadily. Yes Bank, India’s fourth-largest private sector bank, is on a mission of catering to the future businesses of India and it has been able to do it efficiently till now. It is one of the fastest-growing private banks in India, also the only bank in India awarded with the Greenfield Bank License by RBI.  It has a wide range of services such as transaction banking, corporate investment banking, treasury and credit card services. YES Bank credit cards are one of the finest credit cards available in the current banking sector with some exciting reward points and cashback offers. You can also get in touch with the Yes bank credit card customer care to know more about their credit cards. Let’s have a look at the two types of Yes Bank credit cards and the benefits concerning it.  YES First Exclusive Credit C...

Contributing around 16% of the total Indian GDP, the Agriculture sector is at the third rank behind the services sector and industrial sector. To help the financial needs of the farmers in our country and to make the lending process easy for them, the Kisan Credit Card (KCC )scheme was launched in August 1998 by the various Indian Banks. The scheme was modeled by the National Bank for Agriculture and Rural Development (NABARD) and it was originally recommended by R. V. Gupta Committee.  Various public banks, state-cooperative banks, and rural banks provide this credit card scheme to the farmers so that they take a loan to meet their agricultural financial needs in a hassle-free manner. Before this credit card came into the picture, farmers had to screen multiple times in the banks to get their loan approval and it was a gruesome process for them. The scheme helps them in taking the much-needed term loan at a cheap rate of interest.  Features of Kisan C...

With the fast-paced digitization all around the country, there’s a massive surge in the credit card users. With all the other banks and financial institutions which provide credit cards, Citi Bank has created a special reputation among its customers because of their flawless banking services. It provides various offers to their customers on using their credit cards in shopping, travel, dining, and other categories. Many other offers will certainly make you think about owning the credit card of Citi Bank like their referral program and cashback points on just applying for the credit card. You can also get in touch with the CITI Bank credit card customer care service to know more about their credit cards.  Citi Bank credit card referral program With the help of your Citi Bank credit card, now you can help your family and friends. By referring your friends and your family for the credit card, you both will be rewarded. With every valid referral, you’ll get Flipkart vouchers o...

Planning to take a personal loan for wedding, upcoming exotic travel plans, home up-gradation, financial top-up or for some personal emergency? But while juggling various options, you’re still confused about the right EMI amount you have to repay your loan. Fret not! ICICI Bank Personal Loan EMI Calculator is at your service to make the calculation of EMI easy for you. It is a perfect tool for calculating the right amount of EMI; abbreviated from Equated Monthly Installments. It is the amount which you have to pay monthly for a certain period if you have taken a loan of a certain amount. Personal Loan EMI depends on various factors such as the amount of the loan taken, the interest rate on which the bank agreed upon to give the loan amount and most importantly, the period of the personal loan which affects your EMI very much. Method of using the ICICI Bank Personal Loan EMI Calculator You can easily calculate the EMI with this magical tool by...