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Articles

SPEND MORE SAVE MORE: Ways to Save Tax
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Children Education: Some Easy Steps to Arrange Finances
Nowadays pursuing good education in inflation scenario is one of the biggest problems. Taking higher education is not within the reach of a common man. The rising costs can be prohibitive if your beloved child is keeping an eye on  ...

Six Tax Saving Options you must have in your portfolio
One month left for filling the income tax return and hence you must have started planning for the tax investments in advance. If you are one of those communities who have not planned to save tax, it is import...

SBI lessens Home Loan Rates, encourages Balance Transfer Option
    The country’s largest bank SBI has reduced the home loan rates to attract more borrowers and encourage balance transfer option.   It has pitched its low rates to those who have already availe...

5 Things That Must be Covered in Your Health Insurance
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Insurance Plans; Make them Flexible in 5 different ways
Though people avail Insurance Policies for long term, but they keep the present needs in mind. All of things like the size of the cover, premium of the policy, fund type all are based upon the current earnings and your risk taking abilit...

Some tips to boost Loan Credit Score
Every person is responsible for his financial reputation as to destroy or to improve all lies in his hands. One of the greatest signals towards the implications of financial security is the awareness of one’s own credit score. ...

Smart ways to plan Home Loan Interest Rates
After RBI has made unexpected changes in the monetary policy, the hopes of reduction in interest rates have been crashed, especially on home loans. Home loan borrowers paying high EMIs were looking forward for some relaxation for a while...

Additional Charges by Banks You Should Know
Many lenders charge an additional fee for issuing numerous cheques and swiping the credit card. If you have ever gone through the credit card- card statement, you will get to know there exist many charges that are levied by the bank. ...

5 tips to follow while transferring the Home Loan
  Call us on 600 11 600 (Single Number across 18 Cities) Delhi | Mumbai | Kolkotta | Bangalore | Hyderabad | Ahmedabad | Chandigarh | Jalandhar | Ludhiana Chennai | Pune ...

3 steps for easy insurance claim
Insurance claim is a formal request to an insurer asking for a payment based on the terms of the insurance policy.  Insurance companies reject some insurance claims because of non-disclosure of important and related facts at the tim...

Look Beyond Section 80C
Most of us are well aware of the few tax exemptions available like home loan premium, insurance premium, health insurance premium, provident fund contributions, tuition fees of two school going children and many others. But there are the...

Know Insurance Policies for Senior Citizens
Most important form of insurance for the elder people due to the advancement in their age is known as Health Insurance. With the increase in age, their body becomes more vulnerable to diseases. A severe medical insurance can result i...

RBI governor, Dr. Rajan justifies the repo rate hike !
1 February,Mumbai: RBI governor Raghuram Rajan justified his decision of the rise in repo rate to tackle inflation. This step would help to revive the economy. The unconventional tools to conduct monetary policy might not bring effe...

Should you go for Teaser Rate Car Loan?
Many lenders provide attractive offers to entice customers. Offering such deals makes them compete with other lenders in the financial market. The customer gets the opportunity to look for many options so that he can select the reliable ...

5 things that must be covered in your Health Insurance
Before buying a Health Insurance do you understand all of the terms and conditions before buying them? Do you get scared of the health insurance policies before buying them? If you are one of those, you may want to deal with all of the h...

SPEND MORE SAVE MORE: Ways to Save Tax
Saving money on taxes should not be the only purpose for buying a financial product. There are various several financial products offered in the market that not only help you use the benefits under Section 80C but are also sound investme...

Hero MotoCorp; 5 models unveiled includes hybrid and diesel two - wheeler
In a technological exhibition organized to highlight the company’s future plans, Hero MotoCorp has unveiled the company’s projected plans. It has announced 5 models, including a 150cc diesel concept motorcycle. According...

Should you opt for gold loan from a bank or an NBFC?
When you apply for Gold Loan, the first question that comes to your mind is why gold loan, when there are other options which can offer you the required funds. The answer to this question is the ease and convenience with which this loan ...

7 things you must remember while shopping for Credit Cards
Credit cards are the convenient form of carrying transactions when a person is on the holiday and cannot carry huge cash in his pockets for shopping expensive items. Banks offer credit cards to individuals with great schemes. However, wh...

Mutual Fund Schemes That can Help You Save Tax This Year
As the month of February arrives, you see some frantic activity for “Tax Savings”. The reason is when the financial year is coming to its end the tax person comes at your door to collect his dues.   To cut down y...

6 Documents you should never forget to attach with your Income Tax Return
When a person completes his first year at the job, he gets eligible for filing Income Tax Return. In India before filling ITR it is required to disclose to the Income Tax Department at the end of the financial year in a proper format as ...

Rising EMI burden; Why You should not increase your loan term?
Paying high EMIs with high interest creates a pressure on the borrower. Some of us can not manage to pay such a high amount and end up requesting for an increase in loan tenure. This might be considered as the option to curtail the burde...

How one can avail deduction for the interest paid on Education Loan?
Tax saving is the best option to save tax through different options. There are various Tax Saving instruments that can help a person in going his hard earned money.     Education Loan is...

Don’t buy wrong plans in a hurry to save taxes
January- February-March, which in the industry parlance are considered as JFM months, is the time of the year when many people suddenly wake up to the fact that only few weeks are left to either invest or buy an insurance cover to save m...

Why Lease a car??
With the competition rising between the companies, a scheme called car leasing has become a boon. Corporate sector has adopted the method of financing a car and then paying the EMIs through the monthly earning from the corporate lease. ...

Your Home Loan EMIs may rise as Reserve Bank hikes rate
January 28, 2014 MUMBAI: On Tuesday, Reserve Bank of India raised policy rates by 25 basis points that could lead to some banks to increase interest rates on Home Loans. SBI and HDFC, India’s largest lenders ruled out any immediate...

How to Save Money on Car Loans?
Do you want to buy a car? Here is good news for you as it is possible to upgrade that old clunker to a new model at the same time and save money. If you do not have the sufficient money to buy a car, then you have to borrow money. You ne...

Repo rate raises by 25bp to 8%, CRR remains unchanged : RBI
28 January, 2014 MUMBAI : RBI surprises by making unexpected changes into the monetary policy on Tuesday. It has raised repo rate by 25 basis points to 8 per cent but said that if consumer price inflation is simplified as expected, ...

How to Save Tax by Investing on Parents?
Most of the people in their life try all sort of tools that will help in Saving Tax. What are the consequences then? People end up giving large amounts of money. Forget about all of this, as your dependent parents can prove to be a boon ...

Why should you go for Loan against Demat Shares?
Loan against shares is available in the form of an overdraft facility against the security of financial products like shares. Demat account is the movement of physical certificates to electronic from. Actual shares certificates are r...

Want Best Rates On Education Loan? Keep These 6 Factors In Mind
Dreaming to pursue your higher education in abroad? In India, there are around 80 – 85 percent of students, who want to pursue their graduation or post graduation according to their choice, acquire a degree from one of the top univ...

All About Home Loan Insurance Plan
With the rising penetration of Home Loan, other products like housing loan insurance has also gained momentum.  By paying a small amount for a home loan insurance scheme, the applicant is offered with a cover that would not put the ...

Save Tax this year with the help of your family
A family is of great help in giving emotional as well as financial support. Your house members can also help you in saving tax. However all of the investments and rebates on your family cannot be eligible for saving tax.   H...

Six ways to go beyond saving on tax
If you have been following DialaBank word, by now your task of claiming tax benefits would be more and less over – you would have gathered all the investment proofs and premium receipts and given to your organization. But if you we...

Car under finance? Now want to sell it?
If you have gotten financing done to buy a car, and then find the need to sell it without completely paying off the borrowed amount might seem a difficult thing.   However, this is not a difficulty as it is possible to sell...

How to Handle Your Home Loan?
So, you have finally decided to buy your own house? Obviously you have to apply for Home Loans as with the rising inflation, it has become difficult to buy a house from one’s own pocket. Also, there are many other decisions th...

Mahindra and Mahindra to Launch Nine Two-Wheeler Models
Mumbai-based Mahindra & Mahindra (M&M) is all set to launch nine new products of two wheeler over the next two years. According to the sources, after the success of Centuro, a 110 cc motorcycle priced at Rs 45,700 which was launc...

Relevance of Amortization Process
When a person goes for a car loan, he knows that this amount is to be paid through a predefined number of installments known as EMIs, but what amazes the most is the actual payment which is to be made as actual EMIs remains unknown. ...

Is It Time to Switch Home Loans?
A lot can change over few years. You might have more mouths to feed, want to save some money or be thinking about renovating or upgrading to a new property. So may be your home loan doesn’t suit you as well as it used to. ...

How to repay the Personal Loan debt quickly?
Personal Loans are the best means to meet all of unseen events of life. Opting for a loan that is unsecured in nature without getting through its terms and conditions can cost you more than you thought! If you fee; that you are stuck in ...

6% inflation target in 24 months will raise interest rates
According to RBI’s expert committee,  interest rates are expected to rise to strengthen monetary policy framework. This increase in interest rates will be the result of the central bank consumer price index-based 6% inflation ...

Maximize Credit Card gains with smart steps
Most of the people use credit cards to make huge and bulky payments as they do not want to carry huge cash in their pockets. Few of people realize the real value of these cards as they can help people in saving money.   ...

Looking for the best mortgage rates?
Shifting to your own house from a rented accommodation? Looking for the best mortgage rate? Remember rates vary drastically from one lending institution to other so it would require a lot of research before you land on to any decision. A...

Earning a regular salary? Smart ways to Save Tax
      SAVE Rs. 41715/- ON INCOME TAX Are you earning a handsome amount of salary?  Looking the w...

Affordable Harley – Davidson Street unveiled at the India Bike Week 2014
Auto Expo 2014 commenced from January 17 in Delhi. Harley Davidson has unveiled the affordable bike that can fit into the budget of an individual. It has launched Street 750 which is expected to cost Rs 5 lakh.   ...

Why should you opt for Joint Home Loan?
One of the biggest liabilities in an individual life is Home Loan. That is why it must be carefully taken. Sometimes it happens that you aspire to buy the house of greater value, but you may not be eligible for such a large amount. This ...

Easy ways for debt management
A debt is the accountability owed by the debtor to the creditor. A debt is generated when a creditor consents to lend an amount of assets to a debtor. It is granted with expected repayment in addition with interest.   Debt c...

Some Money Saving Habits that can cost you more
Saving has become an important part of life. In order to earn a pitcher of pennies, people like you often try to use such techniques that force people like you to overspend. Every person tries to cut every corner of their spending whenev...

Why should you prefer ELSS to save tax?
Financial market is flooded with many tax saving schemes which attracts an individual to save tax. Equity Linked Savings Scheme is one of the efficient tax saving tool which is advised by financial advisors for the purpose of Tax Plannin...

Gold Loans: Convenient and Easy...!!!
GOLD LOAN is given in opposition to Gold. Most private banks, National banks and other financial institutions provide these loans at appealing rates. Some people take this loan to meet short term requirements like Daughter’s weddin...

Gold Loans: Convenient and Easy...!!!
Your Precious Gold Ornaments are Safe with Gold Loans...!!! GOLD LOAN is given in opposition to Gold. Most private banks, National banks and other financial institutions provide these loans at appealing rates. Some people take this l...

Car Loans.. ??? This is Worth Reading Article...!!
    Call us on  600 11 600   This Valentines … Want to Gift your Spouse a Brand New Car ??… Here it Goes..!!!! All the Credentials for Taking a Car Loan… ...

Banks still preserve their edge over NBFCs in Gold Loan Race
GET THE CHEAPEST GOLD LOAN IN JUST 5 MINUTES   Call us on 600 11 600 (Single Number across 18 Cities) Delhi | Mumbai | Kolkata | Bangalore | Hyderabad | Ahmedabad | Chandigarh | Ja...

Tax-saving deposit schemes are no longer a temptation??
It has been perceived that the market is crowded with financial products that offer better tax benefits coupled with high returns. This has made the tax-saving deposit schemes face an adversity which banks expected would help channel pub...

A MUST READ..!! Prerequisites of Personal Loans..!!
  Best Offer @14 % - Check your Eligibility (Apply Online / Call Us)     Call us on 011 600 11 600   Your Daughter’s wedding ….!! Urgent Money Requirement ….!! But&he...

Consider Healthy Banking Habits
Banks are the safe piggy banks for keeping one’s money. Debt cards are like a boon for the people who want to avoid carrying heavy purses and bags for huge cash. However, there are certain rules and regulations related to banks to ...

Tata Nano Twist launched at Rs 2.36 lakh
New Delhi : India’s largest automobile company, Tata Motors launched the Nano Twist – a variant of its small car Nano. All new Nano Twist comes with power steering, which the earlier Nano models did not have.   T...

Is it Possible to Reduce Auto Insurance Premiums?
Auto insurance is a financial security that is provided against any physical damage to the purchased cars, trucks or other road vehicles. To get the benefit from the offer you avail, you should remember some points which are as following...

Add-On Covers in Auto Insurance
Auto Insurance is an important part of acquiring a vehicle. There are few people who consider it as useless annual expenses, but there are many insurance products that can provide you multiple benefits that can increase the vehicle cover...

Avoid these four mistakes while buying an Insurance Policy in 2014
The most important part of this New Year 2014 is the financial planning. Deciding for the adequate risk and choosing the suitable insurance product is one of the important parts of financial planning.   Due to availability o...

Are You Making These 5 Tax Mistakes?
Every New Year, we make many resolutions, but there are only few people who follow the resolutions made.  For most of people, the resolutions fade with each passing day.  One of the important resolutions is compliance with inco...

Plan Home Loan EMIs in a Better Way
The feeling of buying a house of your dreams can not be expressed, but home loan has now made it possible to make that dream come true. However, this dream comes with the payment of hefty money as down payment, as well as Equated Monthly...

Home Loan - 10 Things You Should Know
With the boom in the real estate market in India, Home or Housing Loans have become one of the most common types of loans.  It is a loan that benefits the middle class people in their quest to meet their dream of owning a house. But...

How to make you Tax e-filing process easy?
We are almost approaching the mid of a January and soon after this it will be the time to file tax returns. Usually people like to avoid this, but it is very important to file our taxes carefully and on time. Below are few pointers that ...

Dont waste time - Save Tax this Season
Tax day arrives and leaves, you come to know by the alerts that the media hypes in the press for months. You take steps, make a big deal and then forget about it until the next  tax season comes. The time has arrived when you need t...

Full Guide on Tax Saving Schemes
Here is the beginning of new financial year 2014, and in next two months you will be going to file your tax. What if you can save tax from different schemes easily? Here is a quick guide for the different Tax Saving Instruments that help...

Mercedes Benz Launches New S-CLASS at Rs 1.75 Crore
DELHI, JAN.9: Besides the economic slowdown in India, German luxury carmaker Mercedes -Benz is all set to cash in on the recent good run on the new S-Class luxury sedan. It has been introduced in the market of India at Rs. 1.57 crore. ...

RBI Increased NBFCs Gold Loan Limit to 75 per cent
Mumbai Jan 9 : People who want to avail Gold Loan can borrow more as Reserve Bank of India on Wednesday allowed Non Banking Financial Companies to lend up to 75 percent of the amount of metal from 60 per cent at present.   R...

Should you go for a Personal Loan?
The first question that would arise in your mind when you think of going for a personal loan is that if it would be beneficial to avail this loan.   The answer to your question depends on the circumstances. If you have a cru...

Top Tax Saving Instruments for Year 2014
Multiple options, contradictory expert advises. Most of the tax payers find them difficult to find the suitable Tax Saving Instrument for saving tax in a short span of time. Are you still confused in knowing with which Tax Saving instrum...

New 2014 Honda City launched at Rs 7.42 lakh
New Delhi: Japanese carmaker Honda Motors launched its fourth generation city sedan at a starting price of Rs. 7.42 Lakhs as part of plans to establish its position in the country.   The new city will be available in both di...

RBI Panel suggests bank accounts for all by January 16
The board headed by Reserve Bank of India committee member Nachiket Mor has brought up a plan to renovate the Indian Banking background. Coming January 1, 2016, all the Indian resident above 18 years of age will have full assistance bank...

How to get Two Wheeler Loan from HDFC Bank?
In the modern world, the expenses are too much high, and income is limited. To deal with never-ending needs. It has become very essential for an individual to fulfill his dream of buying a new bike at any cost with any financial resource...

PNB Metlife Launched 16 Life Insurance Products
January 7, 2013 : India ‘s leading life insurance company, PNB MetLife India Insurance today launched 16 life insurance products that are compatible to new IRDA rules.   These new products are designed to help people i...

ELSS and Bank FD Combo good for saving tax and preserving capital
Most of the individuals are not including the Tax Saving schemes like (ELSS) in their financial annual planning exercise this year.   What is the reason of not including tax saving schemes in financial planning this year? ...

Banks seek leeway from RBI
Bankers are facing problems to implement the Reserve Bank of India’s (RBI) new guidelines on classification and early resolution of anxiety, they accept the move is in the correct path and will bring regulation among the corporate ...

How does a Salaried Individual can Save Tax?
        SAVE Rs. 41715/- ON INCOME TAX At the end of every fiscal year, most of the taxpayer...

Loan For Bajaj Discover 100 M
Call us on 600 11 600 (Single Number across 18 Cities) Delhi | Mumbai | Kolkata | Bangalore | Hyderabad | Ahmedabad | Chandigarh | Jalandhar | Ludhiana | Chennai | Pune | Ja...

Top Reasons not to invest in Gold in year 2014
One of the biggest shocks of year 2013 was the crash in gold prices. The correction had started to began at the far end of 2012. The prices really crashed in year 2013 with the fear that the Federal Reserve of US would come down and do a...

Three Must Have Insurance Covers
Nowadays, people are more aware about the need of insurance cover than there was decade back. But there are many people who think “nothing will happen to me” until they are hit by a tragedy. Therefore, in order to protect you...

Gold Loan: Quick Money When Needed
Everyone faces a situation when you need cash at short notice. It can be paying medical bills, or debt consolidations. Whatever the situation may be, it is possible to acquire quick money in the form of loan and without having to submit ...

Tips to prepare Financially before Purchasing the Dream Home
Building and purchasing own house is the dream of many. Home Loan is the best monetary tool that can be used to build the home sweet home at lowest rates of interest.   For buying house, a person must be financially active. ...

Calculating your Home Loan EMI
Banks and NBFCs providing Home Loan come up with various offers on loans that are tailored for meeting the needs of house buyers from all sections of society. Before applying, it is very necessary to have an understanding about the facto...

How to buy Insurance Cover for your Home Loan?
Home Loan Insurance is a plan that covers the outstanding loan liability of the borrower. When he dies due to accidental or natural death, his proceedings are held liable to pay the outstanding loan amount thereby decreasing the family b...

Why is Insurance not a good source of investment in 2014?
ULIPs have become very consumer friendly with the introduction of IRDA’s 2010 guidelines. The new guidelines that  were supposed to come into effect from October 1 will now be more effective from January 2014. However, those g...

All About Loans for Professionals
Every person whether salaried or self employed at one point of time requires some monetary help in the form of loans. There are various types of loans in the market like Personal Loan, Car Loans, and Home Loans etc.   Now le...

Some Revised facts of Education Loans
In today’s ambitious world education is the most expensive thing, especially when a person wishes to pursue a higher degree in a premium institute. According to the Google’s Keyword Research about 1.5 lakhs Indians search for...

Getting the Right Insurance Cover
While purchasing an insurance plan, you should select the right sum assured. If you opt for a high sum assured than required, then you may end up paying high premium. Therefore, it is very essential to avail right insurance plan that ful...

Understand the pointers of Loan Against Fixed Deposits
What are Fixed Deposits? It is the source of investment preferred by most of the Indians who are looking forward to earning high rates of interest as comparing to normal savings account.   W...

Some Facts About Down Payment
Living is our own house is the dream that every individual nurtures. Usually people opt for Home Loan as paying the whole cash up front is not possible.   Banks and NBFCs require some money to put as “Down Payment&rdqu...

Understand the Health Insurance Portability
What is Health insurance portability? Term Health Insurance Portability allows a person to shift from one Health Insurance Company to another without losing the benefits of current health insurance provider.   What are t...

Ways to Use Your Credit Card Right
A Credit card proves to be the best and most important factor that can help you in improving your credit score. Also, it can also adversely affect your credit score if you do not use it carefully. Think smartly and use your credit card t...

Determine your Loan Eligibility
Are you planning to purchase a home or a car and want to take a credit for it? You must know how banks determine your eligibility for the loan.   Loan Amount: The amount of the loan solely depends upon your monthly incom...

Managing Your Credit Card
Credit Cards can prove to be a helpful resource when you make a profit out of it. But do you think it’s possible?   Well, it only depends on the type of card you have, opting for a lifetime free credit card is best as ...

Tips to avoid Home Loan Prepayment Penalty
If a person thinks of paying the loan in advance, it can be a great idea to lessen the burden of high rates of interest. However, one must be very cautious about the clauses of pre payment penalty before making any advance payment to the...

Personal Loan: Longer Tenure or Higher Monthly Installments
Nowadays, taking a Personal Loan has become common to meet various requirements of life. There are many attractive schemes offered by various lenders in the market. But when a person applies for it, the only confusion is to choose a long...

Tips To Avail a Housing Loan
Home Loan is a very valuable resource of financing a house. It is a loan that helps you to acquire funds for a new house or extension. It not only provides you money but also help you in saving tax.  But make sure that you select a ...

How to get smart with Household Budget?
In the supermarket, you can find everything under one roof. Sometimes you feel that you find all of the items in the local market at a better price with better quality. One is assured of freshness in the local market.   Have...

Ways to pay off your Mortgage early
If you are interested in pay off the mortgage early, you will find many experts advising you to do the same. All the strategies work, but you will find out various ways of paying down your mortgage are faster and safer than others. &...

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