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PNB Housing Finance Finance provides home loans at a floating rate of interest rate instead of fixed rate of interest. So this is good news for you as home loans provided on floating rate of interest are cheaper than  the ones given on fixed rate; it is 1-2.5 percent higher than floating rate. This increase makes a huge difference because the tenure for which home loans are taken are long. A floating PNB HFL Home Loan Interest Rate generally puts you at an advantage when the home loan market is down due to which rates come down. What is the PNB HFL Home Loan Interest Rate like? Generally, the interest rates offered by public sector banks are lesser as compared to the private sector bank. So, PNB Housing Finance being a public sector undertaking, the interest rates are quite affordable. These interests won’t seem like a burden at the time of making EMI payments. As discussed earlier, PNB home loan interest rate is given on a floating rate ranging between 9.25% - 11.50% per annu...

The finance minister decided to merge the large public sector banks for the growth of the banking sector by reducing the number of banks. As in the previous PSB merger, the SBI its subsidiary banks and Bhartiya Mahila Bank is merged and become the largest PSB in India. The advantage of the merger is that it increases the bank funds as the bank merged along with their funds and reduces the non-processing asset (NPA) ratio. To know the list of bank merger read the given article.  Top PSB and their merger bank list  In the second PSB merger, the 10 PSBs would be converted into 4 to offer more bank branches and better services to the customers. Look at the below mentioned merger bank list to know with which bank the top PSB are going to merge.  Canara Bank: To control the NPA ratio of Canara Bank it is merging with Syndicate bank to widen the bank branches and lending capacity. In the merger bank list, the Canara Bank and Syndicate Bank amalgamation is decided by the...

The borrowers can now take personal loans from the banks at an effective rate of interest on their loan amount. Many banks have provided benefits of personal loans to the customers but how to find the right bank? You can read the given article to know the personal loan bank list that offers the best schemes to the customers. The personal loan for salary 20000 is also provided by these top banks.  Personal loan bank list and their schemes HDFC Bank: You can apply for a personal loan from HDFC Bank, it is on the top list of personal loan bank list. Because the personal loan interest rates are starting from 10.75% which is quite low and one can pay for the loan amount up to 5 years. Applicants with a minimum salary of INR 15,000 can apply for the HDFC personal loan without any hassle.  State Bank Of India: Borrow a loan amount maximum up to INR 20 lakh from SBI under its personal loan scheme. The bank charges an interest rate of 11.45% to 14.90% on your borrowed loan amo...

You can borrow a loan amount from State Bank Of India by applying for a personal loan. The bank charges the lowest interest rate on your borrowed amount and the borrower can pay the amount in equated monthly loan installments. Whether you are a salaried, self-employed or a pensioner you can apply for the SBI personal loan. Because the SBI offers loan scheme for every customer by taking care of their needs and requirements. To know the SBI personal loan scheme and their features read the given article.  Types of personal loan schemes provided by SBI and their features SBI Pension Loan: To provide benefit to the pensioners SBI offers the personal loan scheme for the retired individuals who are central or state government employees. Also, the retired army and NAVY officials are eligible for this loan scheme. The minimum age of the applicant to avail this loan should be below 76 years and can pay the loan amount up to 60 months in easy EMIs.  SBI Xpress Power Loan: For th...

Muthoot Finance is one of the few players who has a strong grip over both South India and North India. Only a few Non-Banking Financial Companies (NBFCs) are sailing smoothly at this point.This is one of the reasons that it has so many customers dropping in everyday for personal loans and home loans. Other reasons are high loan amounts, affordable interest rates and no complex loan application procedure. Whether it’s about taking a Euro trip or paying for your child's higher studies - Muthoot Finance Personal Loan solves it all. Of course, the burden of interest is there, but comparatively lesser than the rates of other NBFCs. Muthoot Finance Personal Loan Interest Rate is one of the most affordable ones on the market right now. Let’s have a look at some of the benefits of the Muthoot Personal Loan. What are the Advantages of Opting for a Muthoot Finance Personal Loan? Minimum Documentation: If you meet the eligibility criteria, there are only three document proofs that Muthoot...

Standard Chartered has been one of the best private banks in India that has been providing banking services in India for the last 160 years. But when it comes to the category of credit cards, it is one of the best facilitators of this service. In an age like today, when everybody wants to have a credit card that can complement their spending habits and reward them in return for it. And it doesn’t matter which category you most spend in, be it travel or dining or entertainment or lifestyle or you want to get a lot of reward points, there’s always a Standard Chartered Credit card for everyone.  There are a total of 10 different credit cards by Standard Chartered that can be availed by any of the individuals. Before choosing the best credit card for you, it is important that you understand your spending habits because each card has different benefits and privileges. Also, the needs and spending habits of different individuals differ from each other. In this article, we will be tel...

In our times, you must have noticed the fact that people around you are more interested in investing than the traditional methods of saving their hard-earned money. This fact should be credited to the various awareness campaigns about the benefits of investment by the government of India. People are becoming more and more aware about the wonders that a good investment can do if done correctly. Seeing the trend, there are  several asset management companies that are providing the opportunities of investment in a range of mutual fund schemes. You can choose from them according to your investment goals and time horizon.  Franklin Templeton is one such Asset Management company that lets the investors to invest in many mutual fund schemes. But before investing in any of the mutual fund schemes, it’s important to know what investment amount would be suitable for you according to your investment goals and time horizon for you want to invest. For this purpose, you could need the Fra...

Plan your vacations and manage the expenses of your wedding with Indiabulls personal loan. Because using the loan amount you can easily enjoy the happy moments of your and can pay the loan amount without any hassle. Indiabulls is a well known financial service company that provides beneficial loan offers to the customers. And, Indiabulls personal loan comes at an attractive rate of interest with a longer repayment tenure. Read this article to know about the loan interest rate, payment method, etc. Indiabulls personal loan interest rate and the charged rates on monthly installments The interest rates are starting from 11.99% per annum and it can be higher or lower depending on your loan eligibility. You can estimate the equated monthly loan installments with the charged interest rate using the Indiabulls personal loan EMI calculator . Using this tool one can easily compute their future loan EMIs by just inserting their loan details. The EMI calculator works on the formula [P x R ...

While other banks of India are providing personal loans at around 15%, HDFC Bank is giving out personal loans at as low as 11.25%. If your credit score is not good enough, the HDFC personal loan interest rate won’t cross 21.25%. You don’t have to cut down on your luxury because of the friendly nature of HDFC personal loan interest rate. It keeps your EMI as low as possible to help you enjoy your life better. Say, if you take a HDFC personal loan for INR 3,00,000 over the course of 4 years at an interest rate of 11.25%. The EMI you’ll be paying on the loan is just INR 7,754. That’s it? Yes, it is just 5-10% of your salary. The rest of your salary you can use to continue living the luxurious life without thinking much about the loan. If you need help in calculating your EMIs, the HDFC personal loan EMI calculator will assist you with that. However, there are some factors that you should keep in mind which affect the interest rates. What are the Benefits of Personal Loan HDFC? Big Loan...

Home financing is not a simple task and you must know this that is why to make your home funding affordable Deewan Housing Finance Ltd. (DHFL) provides home loans to the customers. By applying for the DHFL home loan your property 90% cost is supported by the housing finance company. The charged interest rates are also low and you can borrow a loan amount according to your property value. To know about the DHFL home loan features and benefits read the given article. What is the DHFL home loan interest rate? The housing finance company charges both fixed and flexible rate of interest on your borrowed amount. You can choose a suitable DHFL home loan interest rate for making your equated monthly installments (EMIs) affordable. DHFL housing company provide a longer loan repayment duration up to 30 years. And, the DHFL home loan interest rate is starting from 9.75% it depends on the prime lending rate of the housing finance company. The current PLR of the DHFL is 19.42% and it can af...

TransUnion CIBIL lets you check your credit score for free, once a year, on its website. If you are keen to check your CIBIL score score again in the same year, you’ll have to pay a fee of INR 550. With the below mentioned steps you can do a CIBIL score check online hassle free: Go to CIBIL’s website and click on the link to check free credit score report. Create your Account. Put in the necessary details like Date of Birth, Aadhar, email address, PAN number, etc. You’ll also be required to submit few documents for verification purposes. Once the verification is done, the Credit Information Report (CIR) will be sent to you to your email. Via PAN card: Few fintech companies let you check your CIBIL score online by just entering your PAN card details. You can check your credit score there without any hassle of document submission through this method. Via Whatsapp: There are a financial technology companies that gives you the privilege of viewing the credit score on Whatsap...

CIBIL score is a three-digit numeric number that determines your creditworthiness as a borrower. There are several credit rating agencies in India that keep track of all your transactions related to credit cards or any other kind of loan facility. TransUnion CIBIL Limited is one such credit rating agency that gives you your credit score. If you have ever come across the question such as how can my CIBIL score help in getting a personal loan or home loan and want to know the answer for it, then this article would be perfect for you as we will be telling about this thing in detail. What is the Importance of CIBIL Score for an Individual? CIBIL score range from a score of 300 to 900. The more you are closer to a score of 900, the lenders will find you more suitable for giving a credit facility. A score of 700 or above is considered to be a good score. And similarly, the more you are neared to the score of 300, the lenders will see you not fit for a credit facility. CIBIL score i...

Owning a home is a big thing for people living in a country like India. You must be wondering why? Well, you can ask some of the individuals who are looking to buy one. They will tell you their experiences of hefty prices, high brokerage, and many other problems they faced. To make the process of owning their homes a bit easy for them, there are several banks and housing finance companies that provide home loan to the customers. But there is one thing that remains as the number one factor before taking it - Home loan interest rates. Without considering it, an individual may have to face a lot of difficulty in the repayment of the loan amount as home loan interest rates affect your EMI directly. If you do not know, EMI is the monthly installment that you have to pay in order to repay the loan back and it is made up of principal and interest amount. So if you do not consider the interest rate before opting for a home loan, then it could be very difficult for you to manage your fin...

Bandhan Bank is known for its wide range of banking products and effortless customer service. You can borrow a loan amount from Bandhan Bank at an affordable rate of interest with flexible loan payment options. To estimate your equated monthly loan installment (EMI) and charged Bandhan Bank personal loan interest rate use the online calculator device. Using the Bandhan Bank EMI calculator you can simply estimate your future loan EMIs and manage the loan payment. Read the given article to know the EMI calculator benefits and its effect on the Bandhan Bank personal loan interest rate MCLR based interest rate on your borrowed loan amount Bandhan Bank Personal loan interest rate is based on the bank marginal cost of fund-based lending rate. This provides benefits to the customer of a flexible interest rate with the help of which they can easily manage their loan EMI payment. Bandhan Bank personal loan interest ranges from 15.00% to 16.19% per annum and can be changed depending on the...

There are various credit cards provided by banks and financial institutions that cater to different needs of customers by giving them rewards and cashback offers in different forms. We are talking about needs becasue everyone spends in the categories they like to do. Some like to watch movies every weekend or even on weekdays, some like to fill their wardrobes by shopping online all the time, some like to always travel, while some like to dine outside frequently. Based on these needs, individuals opt for a credit card that can give them maximum rewards in the category they spend most. In this article, we would be telling you about the credit cards that would be perfect for those who just love food whether dining outside or at home through food delivery. For such food lovers, there are a few best dining credit card in India that will help you in getting a range of exciting rewards and cashback. So if you are one of those individuals who find themselves eating outside or ordering ...

ICICI Bank provides a wide range of credit cards to the customers and using them you can get several benefits on your spendings. One such card is the ICICI Rubyx credit card using which you can access its privileges and reward benefits. But how can you get these rewards and other privileges? To get the benefits you just need to spend the required amount from your ICICI Rubyx credit card payment of products and services. Read the given article to know about the Rubyx credit card feature and reward earning benefits. Ways to earn reward from your ICICI Rubyx credit card Under the reward program Powerful Rewards Plan, the user can only get the reward benefits if they spent a specific amount from the card. To know on which ICICI Rubyx credit card payment you could earn the benefits look at the below mentioned pointers.  On every INR 100 domestic spends except fuel refilling, you can get the 2 to 4 payback points on your Rubyx credit card. And on your international spendings g...