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Should You Get a Credit Card When Starting a Job? Why Should Young Professionals Consider Them?
Posted on Friday, May 24th, 2024 |
Embarking on your professional journey is an exhilarating experience filled with new challenges and opportunities. Amidst the excitement of starting a new job, one major decision that often arises is whether to obtain a credit card or not. While some may hesitate, fearing the pitfalls of debt, the truth is that when used responsibly, credit…
Read moreMaximizing Benefits: Why Using a Credit Card for Fuel Expenses Makes Sense
Posted on Friday, May 24th, 2024 |
In today’s world of quick rewards and customised experiences, credit cards offer a plethora of benefits beyond just making purchases. One such area where using a credit card can yield significant advantages is your fuel expenses. In this blog, we’ll explore why using a credit card for fuel purchases is a smart move, and specifically,…
Read moreDemystifying Credit Card Tokenization: What You Need to Know
Posted on Friday, May 24th, 2024 |
In an era where digital transactions are the norm, ensuring the security of your financial information is paramount. One technology that has gained prominence in safeguarding credit card data is tokenization. In this blog, we’ll demystify credit card tokenization, shedding light on what it entails and why it’s crucial for safeguarding your financial transactions. Plus,…
Read moreDecoding Credit Card Interest Rates: A Comprehensive Guide for Consumers
Posted on Friday, May 24th, 2024 |
Understanding credit card interest rates is essential for making informed financial decisions and managing your credit effectively. Whether you’re a seasoned cardholder or considering applying for your first credit card, decoding the complexities of interest rates empowers you to navigate the world of credit with confidence. In this comprehensive blog, we will break down everything…
Read moreWhat’s the Difference Between NSC and FD?
Posted on Friday, May 24th, 2024 |
When it comes to investments, investors have many investment options suitable for diverse risk-return needs. National savings certificates (NSC) and fixed deposits (FD) are the two of the most popular investment options among other preferred traditional investment choices of individuals. These investment avenues are time-tested and preferred by investors seeking capital preservation and steady returns. …
Read moreComparing Cumulative vs. Non-cumulative Fixed Deposits
Posted on Friday, May 24th, 2024 |
Fixed deposits are a cornerstone of many investment portfolios in India. They offer a haven for your money, guaranteeing a fixed return over a predetermined tenure. But when exploring FDs, a crucial decision arises: which one to choose – cumulative vs non-cumulative fixed deposits? Understanding the distinctions between these two options can significantly impact your…
Read moreKey Tips for Making Personal Loan EMI Payments
Posted on Friday, May 24th, 2024 |
Personal loans are a convenient financial tool for addressing various needs, from consolidating debt to funding home improvements and unexpected expenses. However, one of the most crucial aspects of borrowing responsibly is managing your Equated Monthly Installments (EMIs) effectively. In this blog post, we’ll explore key tips for making personal loan EMI payments, empowering you…
Read moreHow is a Personal Loan Different from a Line of Credit?
Posted on Friday, May 24th, 2024 |
In personal finance, two common options for obtaining funds are personal loans and lines of credit. While they might seem similar at first glance, they serve distinct purposes and come with unique features. Understanding these differences is crucial for making informed decisions about your financial needs. In this blog post, we’ll delve into the nuances…
Read moreAlleviating Financial Stress: How a Personal Loan Can Help Pay Hospital Bills
Posted on Friday, May 24th, 2024 |
Medical emergencies can strike unexpectedly, leaving individuals and families grappling with not only health concerns but also the daunting prospect of mounting hospital bills. In times of crisis, a personal loan can serve as a lifeline, offering the financial assistance needed to cover medical expenses and alleviate the stress of navigating healthcare costs. In this…
Read moreBenefits of Choosing a Personal Loan Over a Salary Advance Loan
Posted on Friday, May 24th, 2024 |
When faced with unexpected expenses or financial emergencies, many individuals turn to loans as a solution to bridge the gap. While salary advance loans and personal loans are two common options, they serve different purposes and come with distinct features. In this blog post, we’ll delve into the benefits of choosing a personal loan over…
Read moreAre There Income Tax Benefits on Personal Loans?
Posted on Friday, May 24th, 2024 |
In the realm of personal finance, personal loans serve as a versatile tool for addressing various financial needs, from funding weddings and vacations to covering medical expenses and debt consolidation. However, when it comes to income tax implications, many individuals are left wondering whether personal loans offer any tax benefits under the Indian tax system….
Read moreImpact of Repo Rate on Fixed Deposit Interest Rates
Posted on Friday, May 24th, 2024 |
Repo rate plays a crucial role in deciding the interest rates on loans and fixed deposits. The repo rate is the rate at which the Reserve Bank of India lends money to commercial banks to help them meet their liquidity requirements under its liquidity adjustment facility (LAF). RBI’s rate-setting committee, the Monetary Policy Committee (MPC),…
Read moreAll You Need to Know about Personal Loans without ITR
Posted on Friday, May 24th, 2024 |
Personal loans serve as a lifeline during times of financial need, providing individuals with the means to address various expenses, from medical emergencies to home renovations and everything in between. However, traditional lenders often require applicants to submit income tax returns (ITR) as part of the application process. But what if you don’t have ITR…
Read moreComprehensive Guide On How To Calculate Fixed Deposit Interest Rates
Posted on Friday, May 24th, 2024 |
Fixed deposit is one of the most preferred investment tools amongst low-risk appetite investors looking for safe and assured returns. Investors who want to invest in an FD need to open a fixed deposit account with a bank by providing the necessary documents. Before that, if you want to understand how the maturity amounts based…
Read moreDecoding Bank Cheque Books
Posted on Friday, May 24th, 2024 |
The payment landscape in India has undergone a significant transformation, evolving from traditional methods like physical cheque deposits to the Unified Payments Interface (UPI). This technology facilitates real-time digital payments using UPI-enabled smartphone applications. This marks a substantial advancement in the industry. Now, sending and receiving money, bill payments, and authorising transactions are all a…
Read moreExploring the Option of Getting Pre-Approved for a Car Loan Before Vehicle Selection
Posted on Friday, May 24th, 2024 |
Buying a new car is always an exciting prospect, yet it can easily become stressful when you are faced with the pressure of securing financing. This is where pre-approved car loans come in, allowing buyers to ascertain their budget in advance and negotiate a better deal with the car dealership. Unlike traditional car loans, where…
Read more5 Smart Tips to Get the Lowest EMI Car Loans
Posted on Friday, May 24th, 2024 |
A new car loan is arguably a convenient way of financing the purchase of your dream car. Repayable in Equated Monthly Instalments (EMIs), a bank loan enables you to bring your dream car home without depleting your savings or making any major changes to your lifestyle. Of course, your overall cost of borrowing affects the…
Read moreWhat is RTGS?
Posted on Monday, May 20th, 2024 |
The need for a secure and efficient payment settlement mechanism in India led to the introduction of real-time settlement – RTGS. This fund transfer option has become a cornerstone of modern banking over time. RTGS system helps to facilitate time-sensitive, large-value payments instantaneously. The full form of RTGS is Real-Time Gross Settlement. It is a…
Read moreWhat Is NEFT?
Posted on Monday, May 20th, 2024 |
Imagine this: you are on your way to the office on the train, and you realise that you must pay the maintenance bill by the end of the day. Instead of panicking, you can take out your phone and pay with the help of online banking. Mobile banking apps provide the same services as regular…
Read moreUnravelling the Differences Between Savings Account and Fixed Deposit
Posted on Monday, May 20th, 2024 |
aving your earnings is significant. One must pay close attention to every aspect of personal finance, such as understanding the different types of accounts and how they help in safeguarding and multiplying the money. Savings accounts and fixed deposit accounts are popular choices for individuals looking to save and grow their money. While both serve…
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