Franklin Templeton, an American investment company, is one of the top performing mutual fund companies operating in India. Templeton mutual fund schemes has generated good returns over the years. It can be an ideal investment option if you are looking for investing in any mutual fund scheme be it, debt, equity or hybrid schemes.
Before we dive deep into specifically which equity Franklin Templeton Mutual Fund Schemes offers high returns, first, let’s understand which type of mutual fund is growth-oriented. Equity schemes are risky instruments but they have proved in the past that the risk is worth it. So if you have a long term investment horizon, equity schemes may bring you better returns than other schemes. On the other hand, a scheme which invests primarily in debt gives you moderate returns and high liquidity options. Besides this, there are hybrid funds that invest in both equity and debt. However, their percentage may differ based on whether it is an equity oriented or debt oriented scheme. Since the question of the hour is for best returns, let’s discuss some of the equity schemes by Templeton schemes which provides good returns. Franklin India Bluechip Fund: This is one of the best Franklin Templeton Mutual Fund Schemes, which was set up with a primary objective to generate capital appreciation by investing in a diversified portfolio of equity related securities of large cap companies. The companies that fall under 1-100 in terms of market capitalization as disclosed by AMFI (Association of Mutual Funds of India) are known as large cap companies. This scheme is managed by highly efficient managers - Anand Radhakrishnan, Roshi Jain & Pyari Menon. The fund has shown phenomenal rate of return since inception. The 5 year rate of return is 6.16%. Franklin India Smaller Companies Fund: All the people looking for capital appreciation, this fund will surely delight you. The scheme was conceived with an objective to generate long term capital appreciation for investors by investing in a portfolio of equity and equity related securities of companies that have small market capitalization. 80% of the portfolio consists of investment in equity. Whereas the remaining 20% is invested in debt to balance the risk factor. The fund has shown extraordinary returns in terms of rate of return. The 5 year rate of return is 12.31% (which is exceptionally good). The fund is managed by a very skillful managers, Janakiraman Rengaraju, Pyari Menon & Hari Shyamsunder, backed by many accolades to his name in the finance sector. Franklin India Tax Shield (ELSS) Fund: If you are looking for capital growth and at the same time want to earn tax benefits, this scheme is meant for you. This Franklin India TaxShield Fund was set up with an objective to provide investors with long term capital growth and also provide tax benefit under Section 80C of the Income Tax Act, 1961. The fund has shown an upward trajectory in terms of returns. The five year CAGR on this scheme is 8.57%. Fund is managed by Mr. Lakshmikanth Reddy & Janakiraman Rengaraju. Are there Ways for retrieving Franklin Templeton Mutual Fund Statement Online for Investors? The moment you log in to the website of Franklin Mutual Fund. On the right of the page, you’ll see the “Get your Account Statement”. Click on that and you’ll be directed to a page, where you’ll be asked for a Folio number and the time period of the statement that you require. Just click on the download button and you’ll get to have a look at your Franklin Templeton Mutual Fund Statement Online. There is one more way to retrieve Franklin Templeton Mutual Fund Statement Online - through the website of some financial technology companies. Note: The return data mentioned in this article is as of today. It is dynamic in nature, changes according to market movements. Disclaimer: Mutual Fund Investments are subject to market risks, kindly read all scheme related documents carefully before investing.
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First of all, there’s no such thing called as personal interest rate calculator. When it comes to personal loans, there are two types of calculator involved - the eligibility calculator and EMI calculator. The eligibility calculator takes into account all the factors and then determines how much loan amount you are eligible for. Personal loan EMI calculator determines the Equated Monthly Installment that you’ll be paying for the loan amount taken by you. IDBI Bank doesn’t have anything called as IDBI Personal loan interest rate calculator. It has an eligibility calculator and an EMI calculator, which can help you with your loan requirements.
Can IDBI Personal Loan Interest Rate Calculator can Interchangeably be used for IDBI Personal loan EMI Calculator? As stated earlier, IDBI personal loan interest rate calculator is utterly gibberish. However, a personal loan interest calculator makes sense, even better, if it is called an IDBI personal loan EMI calculator. IDBI personal loan EMI calculator calculates everything from its primary function of calculating EMI to showing the total interest amount you’ll be paying. It is not rational to call a personal loan EMI calculator by IDBI as IDBI personal loan interest rate calculator because it doesn’t calculate interest rate. Interest rate given by IDBI is upto the bank’s discretion based on a hell of a lot of factors. You can only assume a close-enough rate for calculation purposes of the EMI or the interest amount. How can IDBI Personal Loan EMI Calculator Help you? Easy to Use: This EMI calculator is customer-friendly and super easy to use. Infact, it’s easier than the normal calculator that we use. Know your EMIs: It gives you a heads-up about your EMIs so that you can pay your monthly expenses accordingly. The EMIs are calculated in such a way that the EMI payment are made up of just 10-20% of your salary. This is done so that the monthly installment is not much of a burden on you and you can keep living your life the normal way. ‘Approval In Principle’ Service: This service is provided by the EMI calculator to know whether you’re eligible for the loan or not. By just entering a few details about your income and your employer, you can find out the eligibility for the IDBI Personal Loan. For using this service, you don’t need to submit any kind of documents. How does the IDBI Personal Loan EMI calculator work? Personal loans help to finance any shortfalls they are experiencing in terms of buying a car, renovating their house, sending kids abroad for higher studies, vacation plans or meeting wedding expenses. IDBI Bank Personal Loan is the bridge that you need in achieving your short term dreams or needs. It offers loan at interest rate as low as 11.99% per annum. IDBI Bank aims to ease off the burden from the shoulders of the customer and hence, it provides pocket friendly EMI of INR 2,224. With such a good personal loan package, IDBI aims to provide you with a better tomorrow. Personal loan, if taken without any planning, can lead you towards a disastrous end where you might end up paying a lot more than you expected. Thus, it is necessary to know what you’re getting into. You should do a need evaluation to determine your loan amount and the tenure you’ll be comfortable to repay the loan in. In order to help you plan out your stuff, IDBI Bank has developed the personal loan EMI calculator. By this explanation, I am sure you must be convinced whether something like IDBI personal loan calculator exists or not. Considering the trend nowadays, you must have heard individuals around you talking about mutual fund investment. If you’re wondering why? Then let me tell you that because of the awareness drives by the government to encourage people investing in Mutual funds, people have started to invest in mutual funds with an accelerated rate. There are several esteemed Asset Management Companies (AMCs) working in India that let you invest in various mutual fund schemes according to your risk appetite and financial goals. Birla Mutual Fund house is one of the many of those AMCs that provide a range of great mutual fund schemes.
But before investing in any mutual fund schemes, it’s important to know what are your financial goals and according to that, what will be the suitable options for you? To make this task easy for you, you can use the Birla Sun Life Mutual fund SIP calculator through which you can know the right set of schemes according to your requirements. In this article, we will be telling you about how can you efficiently use the Birla Sun Life Mutual Fund SIP calculator and also about the Biral Sun Life Mutual Fund NAV so that you can use it for your investment goals. So keep reading! What are the details that you will need to use the Birla Sun Life Mutual Fund SIP Calculator? first of all, it’s important to know about the SIP that you will be calculated through this amazing tool. SIP is known as Systematic Investment Planning. It’s a method of investment in which you invest a fixed amount for a fixed period at a definite interval. This interval can be monthly, yearly, daily, etc. You can start by investing as minimum as INR 500 through SIP. So like any other calculator, you will need a few inputs so that it can give you the output. There are a few details that are most important. First of all, you need to fill the SIP amount that you’re going to invest in. Fill that amount at the required place. After that, choose the SIP frequency. The third and last thing that you will need to fill in the Birla Sun Life Mutual Fund SIP calculator is the number of years for SIP. You can choose whatever number of years you want. After filling all these details, click proceed. As soon as you will click proceed, it will give you a number of schemes with their percentage of return. You can choose from them the one which aligns perfectly well with your investment goals. What is the NAV of Birla Sun Life Mutual Fund? NAV can be identified as the Net Asset Value of any fund. Birla Sun Life mutual fund NAV can be determined by subtracting the liabilities per unit fund from the assets per unit of the fund. Because of the name suggests, many people think that you can guess a fund’s performance by checking the NAV of a Birla Sun Life mutual fund but it’s no true. As alone NAV of any fund can not help you in estimating the performance of any mutual fund. There are many other important factors that also contribute to it. So if you also had this misconception, clear it out now. Always check all the other factors also to check the performance and then decide. 11/26/2019 With City Union Bank Home Loan Finance Your Property At a Reasonable Interest RatesRead NowYou must have been tired looking for the perfect home loan provider and every bank or housing financial institution charges high interest rates. If you lose your hope of financing the house or property then wait because city union bank provide home loans to the customer at an attractive rate of interest. The city union bank interest rate is flexible and depends on the marginal cost of fund-based lending rate (MCLR) for home loans. To know about city union home loans and interest rates read this article.
How city union bank interest rates is charged on your home loan? As you must know that after the RBI new rules every bank or housing finance company provides home loans to the customer on MCLR based interest. City Union Bank also do the same, the interest rate for CITY union bank home loan ranges from 10.50% to 12.50%. The city union bank MCLR is revised on a monthly basis and provide home loans on the benchmark rate, current base lending rate of the bank is 9.75%. Propose these features and get the desired interest rate on city union bank home loan Income stability: You can get a lower rate of interest on your home loan amount if you have a stable job or business. City Union Bank offers home loans to both salaried and self-employed individuals. And, if you have sufficient income to pay the loan monthly installments then surely you will get a lower city union bank interest rate. High credit score: A high credit score would increase your credit capacity and with the help of that you can negotiate to lower your loan interest rate. Because a person with a high CIBIL score is more eligible in comparison to a person with a poor score. Lesser liabilities: The user home loan application get a consideration for sanction, if there are no existing loan EMIs and credit bills paid on time. Because it will make a good impression and the bank would be eager to apply home loans to a customer with a good payment track record. If you have all these qualities then you will definitely get your desired city union bank interest rate on your borrowed loan amount. Can you apply for City Union Bank home loan through internet banking The user who wants to apply for a home loan easily without even going to the bank branch can use the city union bank online services. With the help of its online banking features, you can easily apply for a home loan by uploading required documents and personal details. You can take the help of online tools like the EMI calculator to estimate monthly loan installments. So you can say that with online banking service your City Bank home loan procedure becomes quite easier. So finance your house if you think it is the right time for you, because City Union Bank interest rate is the lowest and based on the bank MCLR and charges only 1% of the loan amount as a processing fee. CIBIL score is a three-digit number that represents the individual credit report. You can calculate your credit score with the help of online credit bureaus like CIBIL. The CIBIL Transunion is an online credit bureau which gives a login free CIBIL Score to the user. A credit score represents the credit capacity of an individual. Many banks or non banking financial companies (NBFC) approve the loan of an individual if his credit score is above the average score. Read this article to know how to calculate a CIBIL Score and ways to improve a bad score.
How CIBIL provides a free CIBIL Score? You can visit the official CIBIL’s website if you want to check your credit score. The score ranges from 300 to 900, 300 is the lowest and 900 is the highest score. Just create an account in CIBIL to estimate your current CIBIL score. Mention your details like mobile number, email id and PAN details to create a CIBIL account. When your account is created then you can simply check your CIBIL Score without any hassle. What if the CIBIL Score is Low? If your score is below your expectations and doesn’t make you eligible for any loan or credit card then in this situation you can check the credit report and find errors, if any. Otherwise, try to pay your dues of previous loans or credit card bills so that your score gradually improves. There might be several factors that can affect your CIBIL score some of them are mentioned below.
Use CIBIL’s services to get suitable loan and card offers The CIBIL Transunion not only provides you the credit score but also suggest the suitable loan or credit card offers to the customer. If you take CIBIL’s premium plan you get the privilege to choose the desired credit card or loan offer which suits your credit score. So, whenever you want to know your CIBIL Score use the CIBIL’s service that provides efficient services to the customers. And, you will also get a free CIBIL check on your first credit score check from CIBIL, after that you can subscribe to any of the desired premium plans. Now, apply for your desired loan or credit card by checking the free CIBIL Score from CIBIL. State Bank Of India is the largest public sector bank in India and on no thought provides the best banking products to the customers. It knows the customer needs that’s why provides the SBI central credit card, this credit card can provide you many benefits on your shopping and other expenses. But how to get the SBI central credit card? And what are its features? To know, read the given article.
How the SBI bank central credit card provide reward benefits? The customer can get reward points on their spending whether online or offline shopping, dining, travel and more. To know how to earn reward points from your SBI central credit card look at the below-mentioned points.
By collecting reward points, you can redeem them into air miles or discount vouchers. As one select point is equal to Rs.0.25. Distinct features of SBI central credit card Your SBI bank central credit card makes the payment experience convenient by providing the tap and pay feature. Using this feature you can easily pay for your shopping, dining bills, etc. easily. Just wave your SBI central credit at any contactless POS machines and pay conveniently and securely with chip-enabled security. Also, get welcome reward and anniversary benefits on your SBI central credit card. The SBI bank offers you an e-gift voucher worth Rs. 750 on your payment of the joining fee. You can get extra reward points on your credit card if you spend annually INR 75,000 to 3 lakh from your card. The bonus reward points can range from 2000 to 8000 depending on the user's annual spending. If you pay the renewal fee of your SBI bank central credit card then you will get 3000 select points on your card. Apply for SBI Central Credit card and make easy payments SBI gives the best credit card to you so what are you waiting for then apply for it. Visit the nearest SBI Bank branch and apply for the SBI Central credit card by submitting your documents like Id proof, address proof and income proof. If you are looking for an easier way to apply for the credit card then don’t worry, you can use the SBI internet banking services or the yono bank app to apply for the card. The joining fee of SBI central credit card is very reasonable which is INR 750, in comparison to the benefits of the credit card the fee is affordable. You can also get an interest free credit period of 20 to 50 days on your retail spendings. And, the bank charges a 3.35% finance fee every month from the SBI central card holder. So, enjoy effortless features and benefits on your daily spends by using the SBI bank central credit card. Not having an income proof is an impediment, especially, when you want to avail personal loans. As personal loans are unsecured loans (no securities are asked to be pledged), lenders do a thorough check about the income details of the borrower. Salary slips and other documents reflecting the credit of salary are needed to be produced before the bank in order to avail the personal loan. Worry not. There’s a ray of light for people who earn their salary as cash and have no income proof as such. Yes, instant cash loan without income proof is possible Let’s check out some alternative measures that can help you get a personal loan, if you don’t have any income proof.
How to get Instant cash loan without Income proof? One of the mandatory factors that banks check before giving loans is your income details. A thorough check is done on the company background and Salary slip is the first thing they’ll ask you to produce before giving away loans. So, if you are receiving income in cash or payments in cash for your business, can be a problem when you want to avail a personal loan. However, there are some other measures which help you can apply to get the finance you are seeking from lending institutions. Instant Cash Loan Against Fixed Deposit & Securities: Having a fixed deposit can help you bag a personal loan without any income proof. You can pledge your fixed deposit account with the bank to get a personal loan. This is done to minimize the risk of default. Loan amount provided to you will be 80-90% of the fixed deposit amount. In order to be eligible for higher loan amount, you should pledge an FD account of higher value. If you possess securities like Mutual Funds, Life Insurance Policy or gold, you can pledge these as collateral to avail the personal loan. In the event of default, ownership of these securities will be transferred to the bank. So make sure to pay your EMIs on time when you take a personal loan against securities. As the lender has your securities, they won’t ask you for any income proof. A Letter from the Employer: An official letter from your employer, stating the amount of salary paid to you in cash, can be produced before the lenders to increase your chances of getting the loan. This letter should be duly signed by the company head and should also bear the company’s seal. However, some lenders do not accept this letter while giving out loans - contact your lender to confirm. Income Tax Returns Documents: If you receive your income in cash but have managed to file your Income Tax Return (ITR), then you should produce the latest ITR document to the lender. This can help lenders to gain confidence in you with the loan amount. ITR has all the relevant details about your salary and employer. By looking at this document, lenders evaluate your credit worthiness. Bank Statements: Income through cash or cheque and if you are regularly and you are depositing either of these into your bank account, then the bank statement is your ticket to procure instant cash loan without income proof. Submission of the bank statement for the last six months reflecting the deposit of salary into your savings account can get you the loan. But, of course, this is not the only criteria on the basis of which you will have access to the personal loan amount. Lenders will evaluate other criteria as well. Offer Letter: Some banks and NBFCs also accept offer letter as an income document while providing personal loans. But this is not treated as a concrete proof because it doesn’t show your consistency with the current organization. In worst case scenarios, banks accept this as a proof. Above were some of the hacks to get an instant cash loan without income proof. You can request the lender to accept any of these methods in order to vest you with the personal loan. DMI Housing Finance Private Limited provide loan amount to the customers for their home finance. It offers suitable interest rates on your loan amount according to the payment capacity of the individual. DMI home loan interest rates are attractive and you can pay the loan interest rate and borrowed amount in equated monthly loan installment (EMI). There are more benefits of DMI housing finance home loan, read this article and know in detail about the DMI home loan.
Do you know DMI housing finance home loan eligibility criteria? To apply for a home loan from DMI Housing Finance Private Ltd. you must meet the loan eligibility criteria. And to know your loan eligibility you can use the DMI home loan eligibility calculator, it is an online calculator which gives the applicant loan eligible amount. Before using the eligibility calculator make sure you fit in the basic DMI home loan criteria such as. Age: Your minimum age should be 24 years to apply for the DMI housing finance home loan. And, your age should not be more than 60 years or above the retirement age during the loan maturity period. Income: The individual income matters the most in the home loan approval so the same happens in the case of DMI home loans. If you want the negotiation power to lower the DMI home loan interest rates then your monthly income must be enough to pay a higher EMI. Property value: The property, land or house your buying also matters in deciding your loan approval. Because in case you are unable to pay your DMI housing finance home loan EMI at that time the housing finance company can resell the property to compensate the loan amount. Get full assistance during the DMI housing finance home loan procedure You can easily get the home loan from DMI housing Finance private Limited by submitting some documents, fees and other charges. The home loan application procedure is as simple as it sounds, you just need to visit your nearest DMI housing Finance Ltd. branch and apply for it easily. If you don’t want to leave your couch at home then don’t worry because you can use the online services of DMI to apply for a home loan. When you use the DMI housing finance online service you can also get the advantage to know your DMI housing Finance home loan monthly installments using the DMI home loan calculator. You just need to enter the loan details like your desired loan amount, interest rate and loan tenure and it will generate your EMI within a second. Till now you must be convinced that DMI home loans are perfect for your home finance so what are you waiting for apply for the loan. Because you will never get a great deal like this, in which you get your desired loan amount for the home finance with a repayment duration of 20 years or up to the retirement age with lower DMI home loan interest rates that starting from 12.75% per annum. So whether renovate, extend, construct or purchase a ready built house using the DMI housing finance home loans. RBL Bank provides credit cards to the customers to make their shopping, travel and payment experience effortless. One such credit card is the RBL Icon card that provides a number of benefits on its usage. Using the card you can get reward benefits, free movie tickets, airport lounge access and much more. To know about the RBL Icon card benefits and features read the given article.
Earn reward points on RBL Icon credit card You can earn reward points on your credit card and redeem them to get exciting benefits, but before redemption know how to earn reward points. If you shop from your RBL icon credit card of minimum INR 100 and above then you will get 2 reward points. So, do not forget to take your card when you are going for shopping, because only then you can earn RBL credit card icon benefits. Not only will you get reward points on your shopping but the card provides you 20 reward points if you use it for the dining spends on weekends. Also, you can get 20 reward points on your international spends from this RBL icon credit card. Lounge access, movie tickets and more RBL credit card icon benefits The RBL icon card benefits are not limited to reward points, you can get 1 free movie ticket worth Rs. 200 every month on your booking from the BookMyShow.com. You can also get a luxurious experience with the RBL credit card, if you book your trips using the card. As it provides 24x7 travel concierge services to the customer that helps in choosing the perfect hotels, car rental services and refer the best restaurants in the town. You also get 2 complimentary domestic airport lounge access every quarter of the year and access to the international airport lounges under the priority pass membership. If you want to relax in your weekends by taking a golf lesson or want to sharpen your skills then get access to the selected golf courses by using the RBL credit card. As, under the RBL credit card icon benefits you will get access to your country selected golf courses, complimentary golf rounds and discount on the green fees. Apply for the RBL credit card at a minimum fee and annual charge Customers can apply for the RBL Icon credit card by going to the nearest RBL bank branch or whether using its online banking services. Choose a compatible option whichever suits you the best submit documents like ID proof like Aadhar card, PAN card, income proof like salary slip, bank statements, Address proof such as electricity and telephone bill. To get your RBL icon credit card you have to pay a joining fee of INR 5,000 plus Goods and Service Tax (GST) and 3.5% finance charge per month. when you pay the joining fee you will get the RBL credit card icon benefit of 20,000 reward points. Also, you can get more reward points if you spend INR 3 lakh to 8 lakh in a year using your RBL icon credit card. So get your RBL Icon credit card and enjoy the RBL icon card benefits. Yes, a person can check his credit score for free without paying any charges. As you know that for the loan or credit card approval credit score matters the most because it represents your credit worthiness. A bank or any other loan provider and non-banking financial institution would never provide a loan to a person with a low credit score. That is why it is important to check free credit score so that you can know your current credit capacity. Read the article and know the ways to check credit score free online India.
How to check credit score free online India? The user can simply check credit score without any problem by using the online credit bureaus. You just need to insert your personal details like PAN number and other information to check the credit score. One such trusted credit bureau that provides you the credit report instantly is CIBIL Transunion, it is an online credit bureau that offers fee CIBIL check to the customers. Visit the official CIBIL’s website and create an account by entering your details like email id, mobile number, PAN number, etc. and click on the “Accept and continue” button. When your account is created then easily check free credit score for the first time only. Check credit score free online India and find the errors in your report The customer may find some errors in their CIBIL report and the reason might be the technical mistakes or loan dues. So, if you don’t have any dues and your credit card utilization ratio is also low then immediately remove errors from your report. Because errors can harm your credit score and will lower your loan capacity. You can discuss your credit score query with the credit bureau CIBIL or with your respective bank and make your report errorless. High credit score v/s low credit score The credit score is a three digit number and ranges from 300 to 900, 300 is considered to be the lowest while 900 is the highest score. A high score and a score above or equal to 750 makes you credit worthy and you can easily apply for a loan and credit card. On the other hand, if your CIBIL score is lesser than 700 then you might have charged with a high-interest rate. So try to maintain a healthy credit score because only then you can take loan or credit cards. To improve a low credit score you can pay your loan dues and credit card bills to gradually increase your credit score. Now, you must understand the importance of a credit score and also know hot check free credit score then apply for your desired home loan, personal loan or credit card. The credit bureau CIBIL can suggest you appropriate loan schemes according to your CIBIL score. So remember whenever you are applying for a loan or credit card don’t forget to check credit score via CIBIL. Now go and check credit score free online India and get approval for your desired loan amount or credit card instantly. |
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Anika Sharma
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