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Articles

Budget Impacts on Different Industries of India
Financial Minister Arun Jaitley has unveiled the most anticipated Union Budget on Feb. 28, 2015 with a vision of making India a Global Power. He believed that India’s Economy will grow 8 to 8.4% in the future. He made several ...

Union Budget 2015: Jaitley Announces New Gold Schemes
The Union Budget 2015 has been announced by our Finance Minister Arun Jaitley carrying the moto of “Achhe Din”. His vision is to make India a Global Power and Investment Hub with a Growing Economy. He introduced some new Gold...

Union Budget 2015: What the Automobile Industry has got
The Finance Minister Mr. Arun Jaitley has announced the much-anticipated first full budget of the Modi Government on the Budget Day. Automobile Industry was expecting a lot from the Finance Minister, but some are fulfilled, some are not....

Indian Fiscal Deficit-2015
The Government is running at a mindset to achieve the yearly goal of 4.1% of GDP in Fiscal Deficit. However, the main concern is how the target would be met by the Union Government. It is apparent that the Government has already touched ...

Highlights of Union Budget 2015-16
The Union Budget-2015-16 is the most "look forward to" for the Common man as it can prove the biggest event of the year for him. Finance Minister Mr. Arun Jaitley has announced the budget, committing transparency, faster g...

ICICI Bank launched contactless Credit and Debit cards
ICICI bank has recently launched the country’s first contactless credit and debit cards. Now you might be thinking about what a contactless card is? A Contactless card is one which uses the NFC (Near-field communication Techno...

Types of Business Loans
Types of Business Loans   Secured Business Loans: In secured Business loans, the borrower promises his assets as collateral against the Business loan. In return, the creditor grants the loan. The assets he or she p...

10 Key Terms of Union Budget You Must Know!
10 KEY TERMS OF UNION BUDGET YOU MUST KNOW     1. DISINVESTMENT: It refers to the act of selling assets of a subsidiary or a sale by the government of a government owned enterprise. This is done for raising...

Statutory Liquidity Ratio (SLR)
The commercial banks in India have to maintain a reserve of gold, Government approved securities, or cash before providing credit to the customers. This is called statutory liquidity ratio (SLR). This Ratio is Maintained and fixed by Res...

Auto Sales in India will Boom this Year: Apply for Auto Loans
The Indian Auto Industry has been crawling since three years, but it seems that it will gain momentum in 2015 due to drop in fuel prices and reduced interest rates. This year, the Automobile Industry is expecting better sales number. The...

Applying for a Home Loan? Should you go for Fixed or Floating Rate?
The end of the last year marked something significant in Home Loans that was not aggressively marketed by the newsmakers.  Many of the prominent banks have launched home loan products on fixed rates. Conventionally, the home loans a...

Real Estate Business To Boost From RBI Rate Cut
The realty business is ready to get a boost from the rate cut by the RBI. The rate sensitive sector has kept the investors away for the last couple of years because of the high-interest rates. Raghuram Rajan's smart move to cut the r...

Infrastructure bonds : New Great-Go in ICICI and YES bank
According to the recent sources of the two banking giants, the ICICI and the YES Bank, are planning to match up to 4000 CR to 4500 CR through the infrastructure bonds. Both are planning to raise anything up to Rupees 1500 Cr to Rupees 25...

4 Impacts of RBIs Rate Cut On You
A cut in the repo rate – big news for corporate, but are you also wondering how will it affect you and me?  The following explains what the change in the repo rate means to you.   Impacts of change in the repo rat...

RBI Slashes Repo Rate by 25 bps to 7.75 Per Cent
RBI (Reserve Bank of India) has cut down the repo rate by 25 basis points from 8.0% to 7.75% while keeping the CRR (cash reserve ratio) unchanged at 4%. The change calls for the right time to the market and corporate waiting for a reviva...

Top 10 Selling Cars of 2014
  Top 10 Selling Cars of 2014   1. Maruti Suzuki Alto - 242248 units 2. Maruti Suzuki Swift Dzire - 193680 units 3. Maruti Suzuki Swift - 185421 units 4. Maruti Suzuki WagonR - 146931 units 5. H...

5 Things You Must Know Before Taking a Car Loan
  People now-a-days are in a hurry to buy used or new cars. They want to change their car every 3 to 4 years. One can either go for a used car or brand new car. There are so many options available about which car to choose ...

What Will Go Cheaper and Expensive As Per Budget 2014-15?
Finance Minister Arun Jaitley secured the common man from rising prices by keeping duties on commonly used basic items unchanged. Moreover, he increased the trouble for smokers and tobacco consumers, with a higher increase in the excise ...

Now Save Up to Rs.36000 With New Tax Slabs of The Budget 2014-15.
  Income Taxpayers can now make bigger savings, after the announcement of the Budget 2014-15 by our finance minister Mr. Arun Jaitley.   According to the Budget: The basic assumption limit increased up to Rs...

What Is Good And Bad In The Budget 2014-15?
  The budget can be a joy to behold. The good part here, is that the Finance Minister has not made exaggeratedly hopeful projections, and, therefore, the scope for disappointment could be reduced. Good: Bank loans fo...

Union Budget 2014-15: 5 Tax Expectations From The Finance Minister
For millions of Indians, budget announcements are just about whether taxes have gone up or down, but this year, the excitement among tax-payers is palpable as the new Modi government is expected to fulfill its promise of "acche...

Budget 2014-15 Key Highlights
  Key Features of Budget 2014-15         01:15 pm: Speech Ends. 01:14 pm: Computers price to grow.Additional duty will be charged on imported computer components...

Extra benefits you get if you have a Used Car Loan.
Everyone today does not go for buying a new car, there are most of them who instead of buying a new car wish to purchase a used car. The basic reason behind it is a car is a depreciating asset whose value keeps on decreasing with time. D...

Wrong Perceptions About Why You Do Not Require An Insurance
India today has an estimated population 1.27 billion where major section of the society is either illiterate, live in grass-root or backward areas. Uneducated people are unaware about various facilities that are available to them for e.g...

Eligibility Criteria If Going For HDFC Car Loan
Before going for a loan please check whether you are completely eligible for a car loan or not. Are you a salaried employee? This consists of all those who are Doctors, chartered accountants, an employee with a public or pr...

Facts You Should Be Acquainted About Debit Cards
Since previous years credit cards are becoming very popular amongst its users but now with time Debit cards have grown its users in the market. Apart from various facilities offered to consumer debit cards have bundled the faith of its u...

Golden Rules You Should Be Familiar With Before Getting A Car Loan
Everyone has a dream of driving his dream car. However, there are very few amongst us whose dream of buying a car turns into reality as buying a car is not an easy task you need to have the required amount required to buy a car. In a cou...

4 Unknown Reasons Which Can Result In Rejection of Your Loan Application
Today whether it is a middle-class person or Business class professional everyone some day or the other needs a loan. Getting a loan seems an easy job but many issues occur when you apply for a loan. The number of applicants is very high...

10 best tax-saving investments
Multiple options. Contradictory advice. And a deadline that's approaching fast. Many taxpayers find themselves in this situation at the beginning of the year when they have to make tax-saving investments. Are you also confused? B...

LTV on Car Loan - Must Knows
LTV means Loan to Value. In the case of car loan, LTV is the amount of cash, that can be approved to the borrower as a loan to the value of the vehicle being purchased. Different banks practice different norms for deciding LTV on ca...

Home Loan For Below Rs. 10,000 Income
Earning Rs. 10,000? You can still avail home loan. Axis Bank, a private sector lender on its 20th anniversary on Wednesday launched a home loan product for people earning as low salary as Rs. 8000. With this product the bank is targeting...

Save Thousands on your Mortgage Loan
If you are planning for a mortgage loan, then before going to market and shopping for it, have a look at this to do list before buying a mortgage loan.   Gather data from all the sources and referrals available: Approach a...

Benefits of Home Loan in Tax Deductions
‘Income from House property’ is a separate head for the tax under section 22 to section 27 provided by the Income Tax Act. No matter you have borrowed money for construction of a new house, purchase of property, repair or ren...

Tips to boost your saving - Become a smart saver.
People find spending less the basic way of saving money. However, this is not always easy to accomplish as you may have to face many challenges. To overcome these hurdles, creating a budget is a very effective way.  Make your mo...

8 Tips to help you make financial decisions effortlessly
Financial decisions are the toughest one. Some People are afraid of making these decisions because it involves different many risks and others do not like using calculators or playing with numbers. Delay in making financial decisions now...

SPEND MORE SAVE MORE: Ways to Save Tax
...

Children Education: Some Easy Steps to Arrange Finances
Nowadays, pursuing good education in the 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&n...

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
 ...

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 oth...

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...

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? Are you scared of the health insurance policies? If you are one of those, you may want to deal with all of the health expenses with your pockets. &nb...

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...

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,...

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 plan might be considered as the option to curtail the ...

Don’t buy wrong plans in a hurry to save taxes
January- February-March are considered as JFM months in the industry parlance because it 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 c...

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 imm...

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

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. The applicant is offered with a cover that would not put the burden of the repayment of the loan after the applicant’s d...

Save Tax this year with the help of your family
A family helps a lot 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.   Here a...

Six ways to go beyond saving on tax
If you have been following DialaBank world, by now your task of claiming tax benefits would be more and you would have gathered all the investment proofs and premium receipts and given to your organization, but if you were busy with your...

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 by 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 maybe 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 feel that you are stuck in ...

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. ...

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

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

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 to interest.   Debt can...

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 that attracts an individual to save tax. Equity Linked Savings Scheme is one of the efficient tax saving tools 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  60011600   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 60011600 (Single Number across 18 Cities) Delhi | Mumbai | Kolkata | Bangalore | Hyderabad | Ahmedabad | Chandigarh | Jala...

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 that banks expected would help channel publ...

A MUST READ..!! Prerequisites of Personal Loans..!!
  Best Offer @14 % - Check your Eligibility (Apply Online / Call Us)     Call us on 011-60011600 / 9878981166   Your Daughter’s wedding ….!! Urgent Money Requirement &hellip...

Consider Healthy Banking Habits
Banks are the safe piggy banks for keeping one’s money. Debit 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...

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 follows: ...

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 2015
The most important part of this New Year 2015 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 a 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 income t...

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 the down payment, as well as Equated Mon...

Home Loan - 9 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 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 y...

Dont waste time - Save Tax this Season
Tax day arrives and leaves; you come to know by the alerts that the media hype 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 to...

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...

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 80 percent of the amount of metal with an increase of 20%.   RBI s...

Should you go for a Personal Loan?
The first question, which would arise in your mind, when you think of going for a personal loan, is that whether it would be beneficial to avail the loan or not.   The answer to your question depends on the circumstances. If...

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...

RBI Panel suggests bank accounts for all by January 2016
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...

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