You must know how hard it is to buy a home in a country like India considering the hefty prices of homes here. And if you had a wish of taking a home in the capital city of India - Delhi, then you must be worrying about the ways of buying it. You don’t have to worry a bit because, with the help of the Piramal Housing Finance home loan, you could turn your dream into reality. Piramal Housing Finance is one of the leading companies that provide home loan to customers who want to get their own homes.
There are ample benefits of taking a home loan from the Piramal housing finance. We know that there are several options from where you can take a home loan, and it’s quite hard to choose the one that is best for you. We understand your problem and that’s why we will tell you about all the features of the Piramal Housing Finance home loan in detail so that you can make an informed decision. So, if you’re someone who wants to know about it, then this article would be a perfect read for you. Keep reading! What are the features of the Piramal Housing Loan Facility that makes it one of the best?
Tax Benefits: You can also avail of the tax benefits by opting for a home loan facility from the Piramal Housing Finance under Section 24 and Section 80C of the Income Tax Act. You can get upto a deduction of INR 1,50,000 on your income on the repayment of the loan. What is the Eligibility Criteria for getting a Home Loan?
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You can get a personal loan from Kotak Mahindra Bank to complete your fund requirements. The bank charges a lower interest rate on the borrowed amount and offers a flexible repayment duration up to 5 years. Kotak Personal loan interest rate is fixed and doesn't change with the bank MCLR rate. And, using the Kotak personal loan EMI calculator you can compute instant loan monthly loan installment. To know about the loan features and benefits of the online tools read the given article.
Affordable interest rate on the borrowed amount Kotak Mahindra Bank charges a lower interest rate on the loan amount that is starting from 10.99% per annum. The applicant can negotiate for a lower Kotak personal loan interest rate if the individual meets the loan eligibility criteria and has a good credit report. On the other hand, if your credit status isn’t good then your loan interest rate gets affected and it can be maximum up to 20.995 per annum. You can pay the charged interest rate along with your equated monthly installment. And to calculate the EMI of your Kotak personal loan you can use the EMI calculator tool. Use Kotak personal loan EMI calculator for an easy payment management With the help of an online EMI calculator tool, calculate the monthly loan installment of your loan amount. To use the Kotak personal loan EMI calculator visit Kotak Mahindra Bank website and click on the “calculate EMI” button. When you visit the EMI calculator page enter your loan details such as borrowed amount, interest rate and loan tenure. After placing the loan details you can view the total payable Kotak personal loan interest rate and EMI. To understand the working of EMI calculator suppose, if you borrow a loan amount of INR 10 lakh at an interest rate of 12.25% for 60 months then your computed EMI would be INR 22,346. The EMI calculator also generates the total payable interest rate of the borrowed amount that would be INR 3 lakh for the mentioned amount. Apply for Kotak personal loan and get your needs fulfilled To get a personal loan from Kotak Mahindra Bank visit your nearest bank branch or use its online banking services. Fill the online application form by entering the details like name, email address, mobile number, net income salary, etc. and click on the proceed button. You will get a call from the bank regarding the personal loan and after that you are required to submit a few documents. The required documents for the Kotak personal loan are KYC proof, income proof and address proof like Aadhar Card, PAN Card, Salary Slip, ITR report, etc. The bank charges a processing fee for the personal loan that is minimum 0.99% of your borrowed loan amount and can be maximum up to 2.50%. So, take a personal loan from Kotak Mahindra Bank and satisfy your urgent money requirement such as wedding expenses, child’s education funding, medical examination expenses, etc. The Kotak personal loan interest rates are low and you can pay the loan EMI using auto-debit, PDCs or ECS payment method. And, with the help of Kotak personal loan EMI calculator compute instant EMI. All in all, Kotak Mahindra Bank makes your loan procedure easier and fulfills your money requirement. The agriculture needs of the individuals can be fulfilled by applying for a Kisan Credit Card from the selected banks. Using Kisan credit card you can borrow a loan amount from the bank and can pay the amount in installments. Whether you are a tenant farmer or belong to a self-help group you can apply for the KCC loan scheme from the bank. To know which bank provides Kisan credit cards to the customers read the given article.
Banks and their KCC loan schemes Axis Bank: You can get high loan values maximum up to 250 lakh using the Kisan credit card and can apply for a term loan or cash credit from Axis Bank. the bank provides you a maximum repayment duration up to 7 years for the term loan whereas 1 year for cash credit limit. The KCC loan interest rate charged by the Axis bank for the production cost is 8.85% and the same would be charged for the investment credit. State Bank Of India: By applying for a Kisan credit card from SBI you can manage agriculture and financial costs easily. You can take a term loan from the bank at an interest rate of 7% per annum. Now, cropping costs can be managed easily with the SBI KCC loan scheme for the farmers. The repayment can be done in 5 years depending on the production of crops during the harvesting season. Bank Of Baroda: You can take minimum INR 5,000 using your Bank Of Baroda Kisan credit card. You can take a term loan, demand loan and cash credit using the BKCC loan scheme. Tenant farmers, sharecroppers and land cultivators can avail the Kisan credit card and can pay for the loan amount in equated monthly loan installments. Is collateral required for KCC loan? Some banks ask for collateral like the total crop production or land ownership papers from the farmers. One such bank is SBI that provides a term loan to the farmers only if a security is provided for the borrowed loan amount. If you apply for a KCC loan up to INR 1.60 lakh from SBI then you don’t need to provide any collateral for the amount otherwise, you need to offer collateral for a higher loan amount. Not every bank asks for collateral some banks don't require any collateral for your KCC loan scheme such as Bank Of Baroda. Which documents are required for the KCC loan scheme? The applicant just needs to provide a few documents to the bank for the Kisan credit card such as ID proof, address proof and land ownership or rent agreement papers. When your Kisan credit card is made then you don’t have to provide any further documents to apply for a term loan or cash credit from the bank. The KCC loan scheme is especially for the farmers who out their hard work to grow their crops and to fill the daily meals of every single person. So, the banks have provided the Kisan credit card so that the user can easily apply for a loan whenever they need it whether for agriculture needs or financial requirements. If you’re are in a sudden need for funds and looking for options all around yourself from family, friends or relatives, then you certainly need a personal loan. Because it may not be every time possible that your other options can give you the fund that you need at that particular time. They may not have that amount of funds at their disposal. At such times, only a personal loan can come to your rescue. There are several banks and finacial companies that provide personal loans to needy customers at an affordable rate of interest. Standard Chartered Personal loan is one of the best options available to you in an hassle-free manner.
A personal loan is a loan option that can be taken without presenting any kind of collateral or security to the bank. This is also one of the factors that could work in your favor. And also, you can take a personal loan for various purposes such as your child’s marriage or future education, your sudden aborad trip, or for buying the new iPhone in the market. Whatever your needs are, you can easily avail of a Standard Chartered personal loan. In this article, we will be telling you about the What are the features of the Standard Chartered Personal Loan?
What are the documents that you will require to apply for a personal loan? You will have to submit the address and Identification proof in order to apply for a Standard Chartered personal loan. You can have a look at the below to know about the exact documents that you can submit.
Motilal Oswal is a renowned asset management company that has been providing mutual fund schemes to investors for better returns. But one can get valuable returns from their investment if they know the market tactics and invest using the right method. The right method for investment is Motilal Oswal mutual fund SIP. Using the Systematic Investment Plan one can get beneficial return even with a small investment. And also you must check the Motilal Oswal mutual fund NAV of the schemes before investing in them. Because NAV is the net asset value of per unit fund and determines the fund performance in the market. To know more about Motilal Oswal Mutual fund schemes and their return benefits, NAV and more read the given article.
What are the benefits of Motilal Oswal Mutual Fund SIP? The benefit ion a SIP investment is that the investor saves a lot more time and can also track the status of the fund and its performance. In the long run, Motilal Oswal mutual fund SIP is the best way of investment as it gives you the power of saving and a disciplined investment. Whether in a lump sum there is higher risk in comparison to the SIP investment. Although the returns in SIP and lump sum may vary but for a convenient and smarter investment SIP method is the preferred choice. So, if you want a better return from your mutual fund investment then do the Motilal Oswal mutual fund SIP. Top Performing Motilal Oswal Mutual Fund schemes and current NAVs The AMC offers a wide range of schemes for the investors and some of the best mutual fund schemes by Motilal Oswal are mentioned below. Motilal Oswal Large And MidCap Fund: To generate a medium and long term capital appreciation by investing in large or midcap stocks. You can invest in this scheme using the Motilal Oswal mutual fund SIP of INR 500 in a weekly or monthly basis. Motilal Oswal mutual fund NAV of the scheme is INR 10.52. Motilal Oswal Liquid Fund: You can generate optimal returns from this scheme investment as it allocates your assets in money market instruments. To start an SIP investment you can invest from INR 500 to 6,000 on a monthly, quarterly or annually basis. The NAV of the scheme is INR 10.55 and it can increase or decrease depending on the market rates. Motilal Oswal Equity Hybrid Fund: This scheme generate equity-linked returns to the investor by allocating the assets in equity, debt and money market instruments. Motilal Oswal mutual fund NAV of the scheme is INR 11.58. And, for volatile returns at lesser risk invest in this scheme using the Motilal Oswal mutual fund SIP. Start Motilal Oswal Mutual Fund SIP Using the AMC online services You can invest in any of the mutual fund schemes of Motilal Oswal through easy online SIP method. Just visit the official website of Motilal Oswal Asset Management and invest in the desired mutual fund scheme by clicking the “Invest Now” button. In SIP you can invest a fixed amount of funds in the scheme in a fixed time period and can earn a higher return from the investment. So, invest in mutual funds and get your desired returns with Motilal Oswal mutual fund schemes and services. Note: The NAV data of Motilal Oswal Mutual Fund Schemes is derived from Value Research data of 19 December 2019 Credit cards make your life easier with their easy and efficient payment feature and reward benefits it offers to the customer. Yes Bank also offers a wide range of cards to the customer using which they can earn reward points from their spends. By making Yes Bank credit card payment for any product and service you will earn a point. To know about the reward point earning and redemption procedure for your Yes bank credit card read the given article.
How the reward points are earned from Yes bank credit card payment? The procedure for reward earning is simple as you just need to spend minimum INR 100 from your Yes bank credit card. And on your spending, you will earn 2 to 4 reward points on your card Which are the best credit cards provided by the Yes Bank? And what benefits provide to the customer? Some of the top credit cards by Yes bank are mentioned below look at them to know their features. Yes Prosperity Edge Credit Card: You can get this credit card if you belong to the age group of 21 to 60 years and have an income of INR 60,000. And, the bank charges a joining fee of INR 1,000 from the customer and it will be reversed if you spend INR 15,000 from your Yes Bank credit card within 90 days. You can earn 4 reward points on your grocery purchases and departmental shoppings. Also, earn assured 2 points on your other credit card spendings using Yes Prosperity Edge credit card. Yes Prosperity Reward Plus Credit Card: Get the benefit of this Yes Bank credit card against your fixed deposit you don’t have to meet any salary criteria. Minimum FD of NIR 50,000 is eligible for this credit card. You can shop freely using the Yes Prosperity Reward Plus credit card and can earn 3 reward points on your grocery and dining spends. The bank charges a joining fee of INR 350 and it will be reversed if you spend minimum INR 25,000 in a year. Redeem your points under Yes Bank Rewardz Program You can visit Yes Bank official website and can click on the Yes rewardz program to redeem your earned points. The user can redeem their earned points into cash back, Airmiles, free-movie tickets, gift vouchers, etc. To redeem the points you need to enter your Yes Bank credit card details like card number, registered mobile number and the security code. The user can redeem the points to get the card privileges and benefits. So, get your Yes Bank credit card now by applying for it using the bank online and offline services. Apply for Yes Bank credit card using the bank effortless services To apply for a Yes bank credit card just visit your nearest bank branch and fill the card application form and submit it to the bank along with the required documents. Submit your ID proof, income proof, address proof and other documents to the bank for the verification process. And, you can track the status of your credit card application using the Yes bank online services. Just enter your mobile number and application form number to track the card status. Now your spendings can be beneficial with Yes Bank credit card. A need of funds can emerge from anywhere without any prior information. In such times, you could borrow the funds from your family, relatives or friends. But it’s not important that they will always be in a condition to help you or the amount you need was so huge that even they can not help it. Suppose that you need a sum of INR 2 lakhs to fund your child’s marriage, you know that this is a huge amount and it would be difficult for anyone you know to arrange this sum. For such difficult times, you can opt for a personal loan provided by various banks and financial companies.
DCB Bank is one of the leading commercial banks of India that provide the facility of personal loan to the customers who are in need of funds. The personal loan can be opted for various reasons and best suited to various financial requirements of yours. Whether you want to buy an iPhone or want to travel abroad or you want to fulfill any other personal needs, a DCB Bank personal loan would be most suitable for you. In this article, we would be telling you about the DCB Bank personal loan EMI Calculator, how can you use it, and why it is important to use it before opting for a loan. Keep reading! What role does Rate of Interest play in EMI Calculation? Before knowing the importance of rate of interest, it is important to know what is EMI? Abbreviated for Equated Monthly Installments, this is the monthly installments that you will be paying every month while repaying the loan. It is a way of repaying the loan that you have taken. Coming onto the importance of it, DCB Bank personal loan interest rate is the deciding factor for your EMI. Your EMI directly depends on the rate of interest of your loan. Higher the rate of interest, higher will be your EMI. This is the reason that you should always look for the interest rate before taking the loan amount. It depends on a lot of factors such as your age, employment type, monthly income, and CIBIL score. The last factor is considered to be the most deciding factor. What is DCB Personal Loan EMI Calculator and how does it help you? DCB Bank personal loan EMI Calculator is an amazing tool to determine the value of the monthly installments in an easy way. An EMI Calculator helps you in having an estimate about the amount beforehand to prepare you in a better way. Many people ask why it is important to have an estimation about the EMI before the loan? Well, if you would have a proper figure as the EMI amount, it will be suitable for you to manage your finances in that particular way. Otherwise, the hefty EMI can ruin your finances and you may also default. A constant delay in the paments can hurt your CIBIL score. What are the details that you will need to use DCB Bank EMI Calculator? As you know that any calculator can not function without any input. Similarly, DCB Bank personal loan EMI Calculator also can not function without any inputs. You must be wondering about the inputs that you will need. There are mainly three details that you will need to have - Required Loan Amount, Rate of Interest, and Required Tenure. First thing is the loan amount. With the help of DCB Bank, you can opt for a minimum loan amount of INR 5 lakhs and a maximum of INR 1,00,000. Fill the required amount. The second thing will be the DCB Bank personal loan rate of interest. After that the last thing you will need will be the required number of years in order to repay the loan. It can be a maximum of 5 years. As soon as you feed all these details into the calculator, you will get the EMI amount within a flash of second. 12/18/2019 How Bank of Baroda Home Loan EMI Calculator Helps You in Estimating The EMI Amount?Read NowHome is the biggest luxury an individual can afford in a country like India. You may wonder why? Well, because of the hefty prices of homes set out by the builders. Because of this, not many individuals afford to buy them in one installment as it would be very difficult for them to arrange this sum of money in one go. To solve their problem, there are several banks and financial institutions that provide home loan facilities to needy customers. Bank of Baroda is also one of the finest public sector banks that provide home loan to the customers at an affordable rate of interest.
But here we will talk about an aspect of this home loan that many fail to notice - EMI (Equated Monthly Installments) calculation before opting for the home loan. Bank of Baroda gives you such an amazing tool with the help of which you can easily get an estimation of your monthly installment. This tool is Bank of Baroda Home Loan EMI Calculator. If you’re someone who is looking to opt for a home loan and want to have a proper guess about your EMI amount so that you can be better prepared for it, then this will a perfect tool for you. In this article, we will be telling you about it and also how Bank of Baroda home loan interest rate plays a crucial role in determining it. So read on! Why EMI Calculation is Important? Suppose you’re ready to opt for a home loan. As you know that home loan is generally a big amount and you will be repaying it with the help of monthly installments. These EMIs would be going from your monthly income. And you will be setting aside a large portion from your monthly income. If you won’t have a proper estimate about the EMI, then how will you manage your spends with the extra burden of EMI every month? That’s why EMI calculation is important. When you have a certain figure of it, you will be better prepared financially and mentally to repay it. Otherwise, you could miss your payments and in the future, may default the loan. That’s why everybody must use the Bank of Baroda home loan EMI calculator before opting for the home loan. What are the details that you will need to use the EMI calculator? Like any other calculator, this calculator will also need a few inputs to give you an output. You will need only a few basic details such as loan amount, rate of interest, and tenure. The first thing that you will need to fill in the home loan amount. Bank of Baroda provides a maximum of INR 10 crores in metros while INR 1 crore in semi-urban and rural areas. Fill the desired amount into the required place according to your repayment capability only otherwise you may find it difficult while repaying. After that, fill the required Bank of Baroda home loan interest rate which depends on many factors such as your age, repayment capability, monthly income, employment type, and most importantly CIBIL score. The third and last thing that you will need to fill in is the required number of years within which you will be able to repay the loan. The maximum tenure you can choose is 30 years. As soon as you wil feed all these details into the calculator, it will give you the monthly EMI, total interest, and the total amount that you will pay during the loan repayment. Taxes are charged on several products and services but the people don't know how the tax system works. To give the knowledge of the tax system to common people and increase the growth of the country’s economy the new GST rate list has been decided. What is a GST rate? The GST is the Goods and Service Tax that is charged on every single product from matchstick to a luxury car. GST rates are changed after the recent GST council meeting held by the Finance Minister Nirmala Sitharaman. Read the given article to know the GST rates chart for the product and services.
Passed GST rate list after the 37th GST council meeting India’s finance Minister Nirmala Sitharaman decided to change GST rates on certain products and services on the 37th GST council meeting. The reason for the change in GST is to increase the productivity of the nation. Look at the below mentioned GST rates chart or slabs to know about the current charged GST. Product and Services Under 5% GST Rate: Government lowers the GST rates for marine fuels, outdoor catering, wet grinder, specified petroleum products, etc. Before the amendment of the GST rate list, these products and services are charged with 18% GST. Products under zero to 3% GST rates chart: The rates are also nil on certain products like plates, flowers, leaves, dried tamarind, etc. Under the new GST rate list, taxes are reduced on petrol and diesel vehicles and came down to 1%-3%. Product with high GST rates: There are several products whose rates have been increased in GST rates chart and one such product is caffeinated beverages. Also, other luxury items like AC, refrigerators, cigarettes are charged with 28% GST rate. Effect of new GST rate list on your daily expenses The GST is reduced on hotel tariffs to make it convenient for travelers and tourists to enjoy their stay in India. Another reason behind this decline in the GST rates chart of hotel tariff is to promote the Indian tourism industry. Tourists who have to pay previously 28% to 18% GST on hotel bookings now have to pay just 18% to 12% GST. Now, travel can be more comfortable with lower charged GST on your hotel bookings. So till now, the GST rates chart would be clear to you then buy the desired products and use andy of the services because the new GST rate list made everything affordable for the users. The rates are increased only for luxury products that are not commonly used by a large number of people. And, GST is increased for toxic products like cigarettes so that the people wouldn’t afford it and there will be lesser number of smoking health problems. So, you can say that the new GST rates chart is perfect to manage your daily expenses and can benefit in many ways. The rates are reduced only for the useful products and services and the new rates can change the dynamics of the Indian economy. The Delhi Development Authority (DDA) Housing Scheme is for every Indian citizen who is not able to finance their house due to financial problems. Under the DDA housing scheme 2019, there are 18,000 flats are on sale at Vasant Kunj and Narela resident. Whether you belong to the Lower Income Group (LIG), Economically Weaker Section (EWS), Middle Income Group (MIG) or High Income Group (HIG) you can easily apply for the housing scheme. To know about the DDA housing loan scheme read this given article.
Do you know the DDA Housing loan scheme procedure? To apply for the DDA housing scheme you just need to contact your respective bank or can do the same by visiting the official website of DDA Housing Scheme 2019. The housing scheme is linked under the Pradhan Mantri Awas Yojana and the aim of this project is to provide housing to every individual. By just submitting a token amount you will be the owner of a ready built flat. The DDA housing scheme works on a lottery system and one with a good fortune would get a 3 BHK flat. What is the eligibility and required documents for DDA Housing Loan Scheme? There is no certain type of eligibility criteria set for the DDA loan scheme you just have to be above 21 years and must have a regular flow of income. And, the token money is refundable so you don’t have to be worried if your name doesn’t show up in the list. The token money is affordable and you can pay it after filling the DDA home loan application form. EWS category people have to pay a token amount of INR 25,000 whereas the LIG are charged with INR 1 lakh token amount. And, MIG and HIG have to pay a token amount of INR 2 lakh to apply for the DDA housing loan. You also have to submit some documents for the loan procedures such as identity proof, income documents and permanent address proof. The required documents for DDA Housing scheme are Aadhar Card, PAN Card, Driving License, Electricity Bill, Telephone bill, Bank statement, income tax return report, etc. From where you can apply for DDA Housing Scheme? The customers whether can reach the official website of DDA Housing Scheme or can apply for the scheme through the 13 consolidated banks. The banks which are joined with the DDa Housing scheme are SBI, Kotak, HDFC, ICICI, etc. If you are an existing customer of any of the partnered banks then you don’t need to submit any income proofs and the procedure becomes much more easier. On the other hand, the customers who are not having any relation with any of the partnered banks can apply for a DDA home loan scheme by visiting the official website and uploading KYC proof and income documents. Now, your dream of having an own house would be true with DDA housing Scheme so apply for it and be stress free as it is the most secure and beneficial housing scheme. |
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Anika Sharma
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