Based on the notion of ‘One Nation, One Market, One Tax’, GST (Goods and Services Tax) was launched in India with the sole purpose of unifying the complicated and old tax structure of India. The implication of GST in India is the biggest reform that the country has ever seen since the 1990s. The tax structure of India was filled with so many unnecessary and complicated taxes that its reform was long overdue. To remove the redundancies and complexity of the tax structure, GST was launched in India on the night of July 1, 2017. It helped in removing all the indirect taxes charged by the state and central government and helped in unifying the taxation structure of India. GST Tax in India is of mainly three types which are as follows.
With having an economy of 2.4 Trillion dollar economy, GST Tax will surely help in much-needed transformation and the growth of the GDP of the country. It has turned into our large population of 1.3 Billion people into a large unified market. If you want to know more about the various things about the GST tax and the impact it has created on the taxpayers, this article will be perfect for you! Different types of Tax Slabs under GST Tax Structure: Under GST, there are five different tax slabs for the various goods and services. All the different types of goods and services come under these tax slabs. Let’s have a look at the tax slabs. GST slab of No Tax: There are some goods and services which are exempted from any kind of tax. Some of those goods are Rakhis without any precious metals like gold, silver, raw material used in brooms, Saal leaves and fortified milk, fruits, vegetables, and many more. Some of the tax-free services include savings account, Jan Dhan Yojna and all the hotels who have a daily terrif below Rs 1000. GST Slab of 5%: Some of the goods and services which will be charged 5% tax are Ayurvedic medicines, agarbatti, sliced dry mango, insulin, cashew nuts, unbranded namkeen, lifeboats, etc. Small restaurants along with transport services will have 5%. GST Slab of 12%: Goods like cell phones, sewing machines, namkeen, etc come under the 12% tax slab of the GST structure. Business Class air ticket will attract a tax of 12%. GST slab of 18%: This tax slab has the most number of goods compared to all the tax slabs. IT and Telecom services also come under this tax slab. GST Slab of 28%: Under the test slab of 28%, there are only 200 goods likes of sunscreen, pan masala, dishwasher, etc. Services like five-star hotels, movie tickets, and racing, etc come under this category. A look at the GST Impact on taxpayers in India: GST has impacted the taxpayers a lot as it has simplified the complicated tax structure and created transparency in product pricing. Also, it has given a uniformity in the taxpaying methods to the taxpayers. Many other GST Impact on Taxpayers are as follows:
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It’s always a difficult task to choose the right thing when you have an overabundance of options at your disposal. In the case of home loans, individuals find the same confusion in choosing a home loan which fulfills their needs in the way they want. The most important thing any individual looks for in a home loan is the rate of interest offered on it. Among all the home loan lenders available in the current market scenario, the TATA Capital Home Loan interest rate is the most attractive and on the lower side when compared with other rates of interest offered.
Having more than 200+ branches in the more than 140+ cities in India, TATA capital home loan not only provides you a home loan for property buying, but also plot purchases, home extension, home renovation, and many more things. It has a broad range of home loan offers. Serving more than 15+ lakhs customers, TATA capital home loan has made trust among the people with the TATA name attached to it and because of its impeccable services. TATA capital home loan interest rate starts from 9.25% per annum and with a tenure of up to 30 years. With this article, you can know more about it. You have to just keep reading! Features of the TATA Capital Home Loan TATA capital home loan is one of the best home loan schemes available in the market because of its easy repayment structure, smooth application and approval process, handsome rate of interest, and many more. Let’s have a look at some of the awesome features of it.
How to use TATA Capital PMAY Home Loan Calculator? With this calculator, an individual can easily check the subsidy amount that can be availed by the individual or the family on the home loan by just filling out the basic details annual family income, total loan amount and tenure period. After putting all the details into the calculator, you’ll get the subsidy amount. It also depends on the subsidy category form which the individual belongs to. How to apply for the TATA Capital Home Loan? An individual can apply for a home loan by just filling the basic details on the online application form available on the TATA capital home loan website. After the submission of the application, the bank will assess the application on various parameters and if passed, will approve the application. The process of applying for a home loan was never this easy. Many of us don’t give a heed to APR while choosing the perfect credit card for you from the various types of credit cards available in the market and then regret our decision of not choosing the suitable one while selecting the credit card. Leave this, many of us don’t even know about APR. So let’s first talk about the APR. What is APR? APR is known as the annual percentage rate, the rate of interest at which you have to repay the amount you use from your credit card. Also, it includes your annual and monthly fees on the credit cards. A lot of us don’t give much attention to it and choose the credit cards without looking at what APR bank is charging on your credit card. The APR solely depends on the purchases you do with your credit cards. O APR credit cards make you able to use your credit cards without paying any interest on the purchases made by you.
The annual percentage rates generally differ from bank to bank as it can go from a minimum of 13% per annum to a maximum of 29% per annum, which you should consider before opting for it. The higher the rate of interest, the more you have to pay for every purchase by your card. One should also check the various fees involved with it to reduce the overall payment of your credit cards. Some banks provide you the opportunity of availing a credit card with absolute zero APR. Such cards are known as 0 APR credit cards. If you want to know more about these credit cards, you just have to keep reading this article. HSBC Platinum Credit Card: This credit card from HSBC India comes with absolutely no annual fee on using your credit card. Laced with features like one free ticket on the purchase of one ticket, and amazing offers on movies, shopping, and dining, this credit card is suitable for the people who love to shop and watch movies. ICICI Platinum Chip Credit Card: This credit card from ICICI Bank provides you to use your credit cards with no annual fees. You’ll enjoy having this credit card if you find yourself dining out more than often, as this card helps you in saving a minimum of 15% on dining at partner restaurants. SimplyCLICK SBI Card: This SBI credit card doesn’t come with a zero annual fee straight away but with an annual fee of Rs 499, but it would get reversed on spending the amount of 1 lakh in one year. So technically, it is one of those 0 APR credit cards available in the market. HDFC Freedom Credit Card: This credit card comes with an annual fee of Rs 500 but there’s a way to get it waived off completely by spending Rs 60,000 in a year through your credit card. Apart from this, you get a minimum of 5X reward points on every transaction made by you on dining, movies, grocery, or shopping. This card is suitable for you if you’rea shopaholic. The most important aspect of processing through a home loan is to choose the one which makes you pay the lowest amount of EMI while repaying the loan amount to the bank. But many of us ignore this fact and choose a home loan which makes them pay a huge sum of money every month as the repayment. This is such a rookie mistake that more often than not, people fall prey to this. But no more worries, because with the help Home Loan EMI Calculator SBI, you can easily calculate the amount of EMI you’ll have to pay every month. When you will be able to calculate the EMI amount before opting for a loan, you’ll be able to plan your finances in a more organized way and thus, will be able to choose the plan which suits your needs perfectly.
EMIs are a major part of everybody’s lives as everyone is paying one or another. The important part is planning your finances in a way that you don’t regret your home loan while paying the EMIs. Home Loan EMI Calculator SBI not only helps you in calculating the amount of EMI of your loan amount but also the monthly interest amount on your home loan. This calculator makes you gauge your EMI capability and plan accordingly to that. Details to be filled in Home Loan EMI Calculator SBI for EMI calculation: In order to get your EMI calculation for the SBI Home Loan by this calculator, you just need to fill a few basic details into it which are as follows. Loan Amount: The first thing you’ll need to fill in it is the loan amount you’re choosing for your SBI home loan. You can either arrange the slider to your desired amount or fill it manually. The SBI home loan amount ranges from Rs 5 lakh to Rs 2 crore. The loan amount also depends on some factors like the age of the applicant, repayment capability, monthly income, and many more. Rate of interest: After putting the loan amount, you need to fill the interest rate charged by the bank. A higher rate of interest on home loan will make your EMI amount higher. SBI Home Loan interest rate ranges from a minimum of 8.50% to a maximum of 9.20% per annum. The rate of interest highly affects your EMI amount so it’s better to research all your options thoroughly. Tenure Period: The tenure period of a home loan is the number of years in which you’ll be able to repay the loan. The maximum period to repay the SBI Home loan is fixed at 30 years. The minimum period to repay the loan is 5 years. After filling all the details into the calculator, you will get the amount of EMI (Sum of principal amount and monthly interest), total interest payable during the home loan, and the total payments over the tenure period. Now, you’re all set for choosing a home loan as you can plan your spends accordingly. How to check your eligibility through SBI Home Loan Eligibility Calculator? If you want to check whether you’re eligible for an SBI Home Loan or not, then you can access it with the help of SBI Home Loan eligibility calculator by filling out the few details like your age, monthly income, any current obligations (existing EMIs). An SBI Home Loan can be availed by both the salaried and self-employed individuals. An applicant must be of 18 to 70 years of age at the time of the loan application process. Celebrating its 100th year of foundation, Union Bank of India, one of the largest Public sector banks operating in India, has an assemblage of amazing and unmatched user-friendly services. Home Loan is one of the many services it provides to various individuals to achieve the wish of owning their dream home. Founded in 1919, and the headquarter building in Mumbai being inaugurated by the Mahatma Gandhi in 1921, Union Bank of India (UBI) has more than 4200+ functioning branches pan India. Gaining the trust of people from so many years, it is no surprise for anyone why people don’t think twice before opting for a UBI home loan.
What makes the home loan of Union Bank of India more worthy to opt is the UBI Home Loan interest rate which is one of the lowest interest rates offered by any bank or financial institution in the country. The rate of interest plays a huge role in determining your monthly installments while availing the loan amount and you should check carefully of all the choices before finalizing the option. UBI Home Loan interest rate starts from 8.65% per annum and it goes up to the 8.80% per annum depending upon the loan amount you’re wanting to take. If you want to learn more about the Union Bank of India home loans and its interest rate, then this article will be a perfect read for you. Highlights of UBI Home Loan:
How to use UBI Home Loan Calculator? If you want to check the EMI (Equated Monthly Installments), Monthly interest, and the average interest amount, you can use the UBI Home Loan calculator. This calculator asks a few basic details from you such as the loan amount, Interest rate, and the tenure period (in months). By filling out these details in the calculator, you’ll get your desired results in a fraction of time. Documents required for a UBI Home Loan: To apply for a home loan from the Union Bank of India, an applicant need certain documents to get his eligibility check by the bank. Below are the documents.
A home loan is the cheapest loan available among all the type of available loans in India and almost all banks, financial institutions, and housing finance corporations provide the home loans to the needs individuals at a cheap rate of interest. The main reason behind the home loans being the cheapest can be attributed to the tenure period for which it generally borrowers take. The period of repayment can be of a minimum of 15 years which is a long period of time but with respect to the tangible asset attached to it and value of it for the borrower, it is significantly a short period in the larger picture.
All bank home loan interest rates tend to fall in the range of 8.40% per annum to 13.00% per annum with GST charges and processing fee attached to it which vary from bank to bank. State Bank of India gives the opportunity to avail the home loan at the interest rate of 8.40% per annum which is the lowest among all the banks and financial institutions. Let’s look at the rate of interest at some of the top banks in the Indian market. SBI Home Loans: The largest public sector bank of India, State Bank of India, provides the cheapest rate of interest among all bank home loan interest rates. SBI has fixed its home loan interest rate at a minimum of 8.50% per annum to a maximum of 9.20% per annum. The rate of interest also depends on the loan amount and changes accordingly. SBI also gives a special discount to the women borrowers. HDFC Home Loans: Being a leading provider of Housing Finance in India, HDFC provides the opportunity to avail the home loans at a interest rate of 8.55% per annum. The processing fee includes 0.50% of the total loan amount you’re borrowing. The rate of interest can go up to a maximum of 9.40% per annum with the change in the loan amount. ICICI Bank Home Loans: With the easiest and smooth home loan process, ICICI Bank offers an attractive rate of interest which falls in the bracket of 8.65% per annum and 9.30% per annum. You can also check your eligibility by the ICICI Bank Home Loan Eligibility calculator available on the website. The processing fee includes 0.50%-1.00% of the total loan amount or a minimum of Rs 1500. Axis Bank Housing Loans: Axis Bank givers you the preference of choosing between a fixed and floating rate of interest which depends on your choice. The rate of interest starts from 8.90% per annum and it shoots up to the the maximum fixed rate of interest 12.00% per annum. You can also check the right amount of EMI for your home loan with the help of AXIS Bank Home Loan EMI calculator. The processing fee includes 1% of the total loan amount or a minimum of Rs 10,000. LIC Housing Finance Home Loans: Among all bank home loan interest rates, One of the largest housing finance companies in India, LIC provides an affordable housing loan at a rate of interest 8.40% per annum which is considerably cheap in comparison to other banks. It is one of the most trusted organizations in India which provides Home Loan to the individuals in an hassle-free manner. At some point in their life, everyone faces a situation where they find themselves in a dire need of money for various purposes like some unexpected medical emergency, a trip to aborad which can fall in the category between planned and unplanned or to pay your credit dues. The thing is that these kinds of emergencies always come abruptly when you’re least prepared for them. A personal loan comes handy in those situations as they pull you out from the financial emergency by taking care of the monetary transactions. Hailed as the pioneer of the CBS (Core Banking Solutions) among all the public sector banks, Syndicate Bank provides personal loans at an affordable rate of interest with creating any hassle.
A Syndicate Bank personal loan helps you in dealing with all kinds of financial emergent needs. Having amazing features like attractive and lowest rate of interest, smooth repayment options, and almost nill processing charges, a Syndicate bank personal loan is the appropriate choice for you. Some of the prominent features are as below.
There are different types of personal loans given by Syndicate Bank which are Synd Saral Personal loans, Synd Saral personal loans for consumers durable, Synd Saral loans for women borrowers, Synd Saral personal loans to farmers, and Synd Saral Loans to NRIs. How to use the Syndicate Bank Personal Loan EMI Calculator: With the help of EMI Calculator, you can quickly know the correct amount of your EMI with the basic details like the loan amount you’re wishing to take, interest rate, and tenure period. After putting all the details, you just have to sit back and the calculator will do the rest for you. It will give you the amount of monthly installment and the total interest amount. Documents required while applying for a Syndicate Bank Personal Loan: There are certain documents that an applicant has to submit at the time of applying for the loan. The bank will assess your eligibility for the authenticity of the documents and then after, will approve your loan application. Below are the documents.
How to contact Syndicate Bank Customer Care Number? On having any type of query or questions regarding your loan application status or regarding the latest EMI payment, you can get in touch with them by calling the Syndicate bank customer care number 1800-425-5784 available 24*7. Their customer executives will listen to your problem and resolve it in all possible ways. Awarded as the Most innovative Digital Bank of India at the International FInace Awards 2018, Standard Chartered Bank is considered to be India’s biggest International Bank. Running a total of five subsidiaries, SC Bank has a total of 100 branches in 100 of the Indian cities. Sailing the ship smoothly since 1958, this bank has been operating in various segments including Commercial and Private Banking, Corporate Banking, Institutional Banking, and Retail Banking.
Having a wide range of credit card services, you can have lots of discounts and reward programs on the standard chartered credit cards. The offers range from categories like shopping, dining, to travel. Those of you who are planning to go for one of the standard chartered credit cards, you can have a look at various features of them.
A Quick Look on Standard Chartered Credit Cards Priority Banking Visa Infinite Credit Card: Perfect match for those who love to enjoy a priority lifestyle without having no worries. This card provides features such as exclusive reward points program, airport lounge access through the priority pass membership, and international insurance. Yatra Platinum Credit Card: Are you a frequent air traveler? Are you also looking for a card that compliments your traveling habits? Well, then this Yatra Card is made only for you with features like 10% cashback on travel, 4x reward points on every Rs 100 spent on Yatra.com, full waiver on the canceled travel ticket, and many more with only Rs 500 joining fee.Super Value Titanium Credit Card: Looking for a credit card which helps you in building a saving habit then this card surely helps you in achieving that as it can make you save up to Rs 6000 per annum monthly expenses. It provides a complete 5% cashback on fuel, utility, telephone bills, and rewards on other spends. Emirates World Credit Card: This premium Standard Chartered Credit Card gives you 3 Skyward Miles Points on every Rs 150 spent and 6 Skyward Miles Points on every Rs 150 spent on emirates transaction. BY getting a total of 27,50o Skyward Miles, you can get a return ticket to Dubai. You also get a 400 Bonus Mile Points as a welcome gift. How to get in touch with Standard Chartered Customer Care Number Having any confusion about the charges on your credit card or regarding your Standard Chartered credit card payment, you can approach the representatives at 1800-345-51000 and 1800-345-5000. If you reside in Gurugram or Noida, you can call at 011-39404444 or 011-66014444 to clear your any query. The most useful tool you’ll come across when you’ve elected to opt for an HDFC personal loan is the HDFC Personal loan EMI calculator. This tool will help you in deciding the optimum EMI amount for the personal loan you’re going to borrow. Many people have this confusion about choosing the amount of EMI which will not put an extra burden on their monthly pocket range. This calculator will help you in clearing all your doubts by calculating the monthly installments you’ll have to make. After this, you can make the final decision of picking the right EMI amount. HDFC personal loan EMI calculator is nothing short of magic in itself because of its ability to calculate your installments in a jiff.
How to use HDFC Personal Loan EMI Calculator For using HDFC Personal Loan EMI Calculator, you don’t need to have any special education or skills, it’s designed in such a way that it is equally accessible for everyone. You just need to get an idea of the few basic details like the loan amount, tenure period, and interest rate. By putting these details in the calculator, you’ll get the amount of EMI which you’ll have to pay every month. The calculator has sliders bar in every part of the options you have to fill, by sliding them you can adjust the details to your desired amount. The three details you have to fill to get your monthly installments are below.
How to use Personal Loan Eligibility calculator The amount of loan you’re applying for is pretty much dependent on various factors such as your monthly net income, your existing financial liabilities, any existing EMIs, or the due amount on your credit card. The bank will take all these things into account and will decide the loan amount you’re eligible for. Other than that, there are some fixed eligibility criteria like as your age, monthly income, your current employment type, job stability which play a significant role in checking your eligibility for the HDFC Personal loan. What is EMI and what part does it play in a personal loan? EMI; abbreviated from Equated Monthly Installments are the periodic amount which you pay month-by-month to clear your loan amount. Different banks offer a different amount of EMI on the personal loan depending on the amount, tenure and their interest rate. Anyone who is planning to get a personal loan should check the EMI through the HDFC Personal Loan EMI Calculator beforehand to get an idea about the amount they have to bear every month so one must choose the EMI amount with utmost care. Bajaj Finance Services is one of the preeminent Non-banking Financial Institutions in India which provides services like personal loan, home loan, business loan and many others. If you’re planning to borrow some money for your financial needs or you’ve already taken a Bajaj Finserv personal loan and you have some questions regarding the loan amount, tenure or the amount fo your EMI, then you can reach out to the spokespeople available 24*7 to get an end to your questions. There is more than one way to get to them. The first way would be to make a call to the Bajaj Finance Personal Loan Contact Number 020-3957-5152. Other than that, you can visit any of the nearest Bajaj Finserv Branches or you can email your query regarding your Loan at [email protected].
Reasons to choose Bajaj Finserv Personal Loan There are ample benefits and features which will make you opt for the Bajaj Finserv Personal Loan. Getting a personal loan from the Bajaj Finserv is such an hassle-free, a secure and time-saving experience that you’ll not have to stress even a bit regarding it. In the case of any exception, you can always make a call to Bajaj Finance Personal Loan Contact Number. Let’s take a peep into some of the amazing features of Bajaj Finserv loan.
Eligibility criteria for Bajaj Finserv Personal Loan Both salaried and non-salaried people can get a loan at Bajaj Finserv Limited surpassing a few eligibility criteria which are as follows
Documents required for the Bajaj Finserv Personal Loan Bajaj Finserv asks for the minimum number of documents to submit to get a personal loan. Below are the documents which will be needed for you.
Apart from this, if you still have any doubts or questions regarding the personal loan, you can get their answers by calling the Bajaj Finance Personal Loan Contact Number which is toll-free and available for 24*7. |
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