Loan & Finance Tips on Your Finger Tips

Goods and Services Tax (GST) was the biggest tax reform that our country has seen over the years. If are unknown about the GST till now, then let me tell you that it is a kind of indirect tax on the supply of goods and services. Since its introduction, it has helped in eliminating various indirect taxes previously used in India such as VAT, Entertainment Tax, Luxury Tax, Excise Duty, Purchase tax, etc. The best thing about this tax is its multistage approach in the supply of goods and services. In and all, GST is a pretty comprehensive tax that our country was in need of so many years.  Under GST, there are mainly three taxes under it known as Central GST, State GST, and Inter-state GST. If the sales of goods and services are happening within the state, then CGST and SGST will be applicable, while if the sales are being taken from one state to another, IGST will be applicable. In this country, we will be telling you about the different GST slabs under which different types of ...

You can apply for a personal loan from your respective bank even if you don’t have a CIBIL score. Usually, banks check the applicant’s CIBIL to know their credit payment record. But if you don’t borrow a loan before then your score must be zero. Then also you are eligible for a personal loan if you meet the loan criteria. Read the given article to know about the banks that provide personal loan without CIBIL score to customers.  Bank which provide personal loan without CIBIL score Axis Bank: The bank offers a loan amount maximum up to INR 15 lakh to the customer. And whether you are a salaried or self-employed, you can easily get loan approval. The minimum net monthly income of a salaried must be INR 15,000 and above to get the Axis personal loan.  HDFC Bank: Interest rate on HDFC personal loan is starting from 10.75% per annum. You can borrow the desired amount without a CIBIL check if you are a new loan borrower. This benefit is only for the customers who are appl...

There are a number of individuals that are in need of a home loan facility so that they can achieve their dream of owning homes. Seeing the number of individuals who don’t have homes in our country, there is quite a misinformation about home loan facilities. One of the most misinformed facts about the home loan is that you don’t need to have an estimate about the EMI beforehand which is quite untrue. EMI Calculation is one of the most important factors of the whole home loan facility process which can be easily done by the Home Loan EMI Calculator.  In this article, we would be telling you about the method to use the Home Loan EMI calculator and why it is important to use it first thing before taking a loan. So if you are someone who is planning to opt for a home loan or will take in the near future, it is important for you to know about this. Without any further delay, read on! What is the importance of EMI Calculation? When an individual decides to opt for the home loan amoun...

You can apply for a loan from HDFC Bank and satisfy your personal needs without any trouble. It gives you a loan amount maximum up to INR 15 lakh at an attractive rate of interest. Using the loan amount one can easily manage their debts or high expenses. Loan tenure for an HDFC personal loan is 5 years and the interest rate is fixed. To know more about the loan features read this article. Who can apply for HDFC personal loan? Any individual whose age is above 21 years and below 65 years and have a minimum monthly income of INR 15,000 to 20,000 is eligible for the loan. Whether you are working in an MNC, private or public sector company or self-employed you can apply for HDFC personal loan if you have a regular flow of income. The loan interest rate can be low if you have a high income and CIBIL score. Because then you become a highly eligible applicant for the loan and the bank offers you a lower rate if you negotiate for it.   Attractive HDFC personal loan interest r...

Getting a credit card excites you the most but you should also take care of your card. But how to take care of a credit card? You can use the bank credit card services to know about the card features and offers. Also, can block the credit card if it is lost or stolen to get secured from fraudulent transactions. To contact your bank for credit card queries first know all banks credit card customer care number . Read this article to know the top bank’s credit card customer care number.  Best private banks credit card customer care number You can get your desired credit card from any of the banks and some of the best private banks in India for credit cards are HDFC, ICICI, Axis and IndusInd. To know their credit card customer care number and service look at the below-mentioned points.  HDFC: To get the best reward offers on your card with several privileges on your payments then apply for HDFC credit cards. Using the credit card you can earn reward points on every INR 100...

It is not easy to provide all the documents for the loan process and one such document is a salary slip. This happens in most of the cases when an individual is unable to provide salary slip for the loan documentation. But you don’t need to worry you can get a personal loan without salary slip submission. Read the given article and know about the top bank’s loan scheme that doesn’t require a salary slip.  List of Banks that provide personal loan without salary slip Documents are necessary for any type of loan whether it is secured or unsecured loan. Usually, personal loans don’t require any collateral for the amount of security. But you can provide an asset if you don’t have a salary slip for the loan application process. Because it makes you a credit worthy applicant. Some banks that can offer you a personal loan without asking for salary slip are as follows.   ICICI Bank: Enjoy a lower rate of interest starting from 11.25% per annum on your loan amount. And b...

At the time of the fund requirement, you can head to Bajaj Finance Limited. This finance company provides personal loans at an attractive rate of interest. Whether you need money for a medical emergency or to manage wedding expenses, you can do it with a Bajaj personal loan. Read the given article and know about Bajaj Finance personal loan in detail. Bajaj personal loan eligibility criteria and its effects First, you must know the personal loan eligibility criteria of Bajaj Finance Ltd. which is as follows. Applicant age must be 23 to 55 years Monthly income should be INR 25,000 to 35,000  Must be a salaried individual working in an MNC, private or public sector company for a minimum of 2 years.  Individual must be an Indian resident with all the valid documents and ID proof Minimum credit score 700 and above is required After going through the above pointers you must check your eligibility using the Bajaj Finance personal loan eligibility calculator. As it hel...

To get rid of the personal loan documentation process you can apply for a loan from Aditya Birla Capital Limited. This financing institution provides you the desired loan amount at a lower rate of interest. You can borrow a maximum amount up to INR 15 lakh from the financing company Aditya Birla. Read this article to know about the Aditya Birla personal loan features and its benefits. Low interest and high tenure on Aditya Birla personal loan Aditya Birla Capital Ltd. provides you a personal loan at an attractive starting interest rate of 14.00% per annum. The interest rate on your borrowed amount can be high or low depending on your credit score. A minimum credit score of 700 is required to get a desirable interest rate on loan amount. And, you can make payment for the loan amount and applied interest rate in equated monthly loan installments. Loan tenure for the Aditya Birla personal loan is 1 to 3 years and you can compute the EMI using an online calculator.  Which doc...

Credit cards have come a long way from being as some petty pieces of plastic to a gateway of unmatched privileges and a must-have thing in your wallet. The benefits given by the credit cards are unmatched in the current times given the percentage of the population using the credit card facility. There are almost all the bank and financial institution that has been providing the credit card facility to the customers based on what they like to spend on most. Like some people like to spend on dining, some like to travel frequently, some like to do shopping with their card. And there’s always a card for someone. Here, we will talk about the credit card which can be perfectly suited to people like travel.  When we talk about travel credit cards, it is impossible to not mention the Citibank Credit Card because of the amazing travel benefits it gives. In this article, we will be telling you about the Citi Premier Miles Travel credit card and why it could be the perfect partner for an ...

That day is not far when your credit profile will be linked to your social profile. So it is important to maintain a good credit profile and have a look at it from time to time. In India, credit profile is synonymous with CIBIL profile. Reason being, the credit scores by TransUnion CIBIL are accepted widely by all lenders in India. Maintaining a good CIBIL score should be a practice because it helps you get lending products hassle-free. Let’s discuss why you should be doing a CIBIL score check from time to time. Clarity: Knowing how lenders perceive you is extremely important from the perspective of lending products. CIBIL score check from time to time will help you gauge where you stand and take the necessary steps to improve it. Spotting errors: If you do a check from time to time, you can keep a track of all the transactions you made. Say, somehow, CIBIL recorded a transaction that you didn’t undertake, which happened to reduce your credit score. So if you check your CIBIL sco...

Are you looking for a credit card that rewards you every time you spend? Is there a credit card to satiate the foodie in me or the excited shopper in me? Yes, there is one that can be the best fit for all your needs - HDFC Credit Card. If you navigate to the credit card section of the HDFC Bank credit card page, you will find a bundle of credit cards, each showcasing its own uniqueness. There are cards that furnish individual needs and some others that encompass all the benefits into one. Let’s discuss some of the features that will convince you to get a HDFC Credit Card for yourself. A Card for Every Need: HDFC credit cards serves many purposes from everyday purchases to luxury spends, offline to online shopping and travel by road to travel by flights. HDFC Regalia Credit Card is loaded with food offers and provides a Zomato Gold Membership for free. There are some credit cards tailor made for entertainment purposes, like the Platinum Times Card. Free Insurance: Some credit cards ...

Bandhan Bank is fast growing its presence in India’s lending space by adding to its number of branches across the country. Not only the presence, but even the product offerings are greater in scope. On the home loan front, Bandhan Bank has taken a strong foot forward by taking over HDFC’s GRUH Finance. And, as a result, the bank has now three home loan products - Suraksha, Suvidha and Sajavat - to offer. Bandhan Bank Home Loan Interest Rate is set accordingly. Let’s check out the rate and its impact on your pocket.  What is Bandhan Bank Home Loan Interest Rate? Bandhan Bank uses the external benchmark of RBI Repo Rate to price its home loans. The interest rate comes after adding a certain portion of spread over the RBI Repo Linked Lending Rate (RLLR) of 5.15%. Interestingly, the rate varies according to the amount of loan. Loans upto ₹15 lakh, above ₹15 lakh-50 lakh and above ₹50 lakh are offered at interest rates of 9.50%-11.75%, 8.75%-11% and 9%-11.25%, respectively, under Sur...

There are several public and private sector banks that have been providing zero balance savings accounts to the customers. Using the savings account interest rate on your deposit amount you can save and use the money when you need it. The easiest and errorless method to save your money. Some of the top bank savings accounts are mentioned in the given article. Read this article to know the zero balance savings account interest rate and minimum required balance, maintenance charge, etc.  Top Bank Savings Account You can make savings beneficial with the below mentioned zero balance savings account . Axis Bank ASAP Instant Savings Account: You can apply for a zero balance account from Axis Bank as it offers 7.25% savings account interest rate on your deposited amount. For the initial deposit you are required to submit INR 10,000. There is no minimum balance required for the ASAP instant savings account. To get the ASAP savings account you just need to submit your PAN and Aadh...

State Bank Of India provides home loan schemes for the customers to make their home finance easier and affordable. SBI home loan interest rates are attractive and you borrow maximum up to 90% of your property value. For the loan procedure, you need to submit a few documents and can pay the loan amount in equated monthly loan installments. The bank provides a maximum loan tenure up to 30 years for the EMI payment. And you can calculate the loan installment using the SBI home loan calculator. To know the loan calculator benefits and function read the given article. What is the SBI home loan calculator and how to use it? The bank provides a home loan calculator device to the customer so that they can compute their loan installments without any trouble. SBI home loan calculator is an online device that compute the loan EMIs using a mathematical formula  [P x R x (1+R)^N]/[(1+R)^N-1], where P is the loan amount, N is loan payment duration and R is the rate of interest. You can u...