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Articles from Puneet Sharma | Selfgrowth.com
- What is the procedure to apply for an education loan? - by Submitted on Jun 01, 2018 from Puneet SharmaEducation loan has appeared as a boon for each and every student who does not want to overburden their parents and want to bear the higher studies expense on their own. The procedure to apply for an education loan differs widely across banks in India. This article delves deeper and fetches out ...
Views: 954 - How Do I Link My Credit Card to my HDFC App? - by Submitted on May 10, 2018 from Puneet SharmaThe usage of a credit card has become more prominent lately. Not only it makes big-ticket purchases easier, but you can even use it to get the required amount of physical cash to make the payment. A credit card allows you to purchase stuff on credit which you need to pay later to the credit card ...
Views: 785 - Can I deposit into my savings account being an NRI? - by Submitted on Apr 17, 2018 from Puneet SharmaMost people persevere with depositing money in their savings account even after receiving an NRI (Non-Resident Indian) status. However, the law doesn’t allow you to do so. The moment your residential status changes to NRI, a lot of things change right from your bank’s savings account to your ...
Views: 920 - What are the benefits of SBI credit card? - by Submitted on Mar 21, 2018 from Puneet SharmaThe State Bank of India or SBI is one of the largest banks in the country offering the widest range of credit cards with unmatched benefits, deals, and discounts. SBI credit cards are meant to cater all the needs of the customers and thus come with amazing lifestyle, travel, shopping related ...
Views: 1037 - Personal Loan Application: Why is it Important to Read the Fine Print? - by Submitted on Mar 19, 2018 from Puneet SharmaA personal loan comes in handy during a financial emergency as it offers quick disbursal, flexibility of usage and requires no collateral. While it may be a blessing for borrowers in need, it will directly impact their current and future financial position. Ideally, a loan should be taken only ...
Views: 756 - Start Planning for your Dream Home with the EMI Calculator - by Submitted on Mar 05, 2018 from Puneet SharmaBuying a house is once in a lifetime process for many. It requires a lot of planning, research and investment. However, one big fact is that no savings can bear the surplus demand for money that one needs to buy their dream home. This is where a home loan comes into existence. It is an instant ...
Views: 685 - 5 Vital Elements to Consider When You Send Money Online - by Submitted on Feb 27, 2018 from Puneet SharmaWhether you are traveling abroad or have to send money back home, the online money transfer facility is the most seamless, secure and quick process as compared to all other methods. It eliminates the need to visit the bank and stand in long queues thus making the task easy and convenient. But ...
Views: 646 - What are the difference between a normal savings account and a post office savings account? - by Submitted on Feb 23, 2018 from Puneet SharmaInvestment is the key to a bright and secured future. But, not many people know when and where to invest their money and hence decide to keep their money in a saving account. There are several banks and post offices where you can easily open a savings account. These savings accounts accrue ...
Views: 668 - What is the Eligibility Criteria for SBI Credit Cards? - by Submitted on Dec 11, 2017 from Puneet SharmaState Bank of India, the largest banking institution in the country, offers a host of credit cards with several benefits. SBI Cards cater to the middle-income group as well as those who have extravagant spending habits. The eligibility criteria for SBI credit cards are based on what credit card ...
Views: 894 - Home Loan: 5 Tax Benefits You Must Know - by Submitted on Dec 11, 2017 from Puneet SharmaThe first-time home buyers in India can avail a plenty of tax benefits. These deductions not only help individuals manage finances in a better manner but also reduce their tax outgo. Read on to know about all the tax deductions that you must know especially if you’ve recently purchased a home ...
Views: 734 - How To Avail Personal Loan at Lower Interest Rate - by Submitted on Nov 28, 2017 from Puneet SharmaPersonal loan can be your saviour during financial emergencies and also for making your long-awaited plans like vacation or dream wedding real. While a lot of people are averse about taking personal loan for discretionary expenses, there are others who strategize their borrowings to avail ...
Views: 922 - How to Transfer Your SBI Savings Account from Branch to Another Online - by Submitted on Nov 23, 2017 from Puneet SharmaThose days are gone when people had to stand in long queues, fill forms, submit innumerable documents and then wait for several weeks to get their savings accounts transferred from one branch to another. With the help of internet, account transfer from one branch to another has become quick and ...
Views: 1181(1 vote) - Does Gold Loan Impact my Credit Score in Anyway? - by Submitted on Nov 22, 2017 from Puneet SharmaGold Loan is a secured loan that helps individuals in improving their credit score progressively. Since this loan is procured in exchange for gold ornaments, coins, etc. it is seen more useful in getting a good credit score. Not long ago, just a few couple of years back, procuring gold loan ...
Views: 928 - What is the Difference Between MasterCard and Visa Credit Cards? - by Submitted on Nov 07, 2017 from Puneet SharmaIf you’re searching for a new credit card, you might be wondering which card would give you more benefits-Visa or MasterCard. To help to decide which is best for you, here’s a comparison of MasterCard and Visa cards. Both Visa and MasterCard provide the technology and network required for the ...
Views: 892(1 vote) - Types of Home Loans Offered by SBI - by Submitted on Nov 03, 2017 from Puneet SharmaPlanning to buy a house? You can get a home loan from SBI. The State Bank of India is the largest private sector bank in the country and offers a host of home loan schemes to cater to the needs of customers from all walks of life. SBI is one of the best home loan providers in India, due to the ...
Views: 715 - SBI Cuts Home Loan Rates in Affordable Housing - by Submitted on Oct 30, 2017 from Puneet SharmaIn line with the government’s affordable housing scheme, the State bank of India has slashed the interest rate on home loans from 8.60% to 8.35%, the lowest in the market. The new interest rate is effective from May 9, 2017. Loans up to Rs. 30 lacs are only eligible under this scheme. In ...
Views: 939 - 5 Benefits of Investing in a Fixed Deposit Policy - by Submitted on Oct 27, 2017 from Puneet SharmaA fixed deposit (FD) policy is one of the safest investment options, wherein an investor invests a certain amount of money under the fixed deposit policy and earns interest on it. The primary advantage of investing in an FD is that it promises assured returns of investment with zero risk ...
Views: 790 - How We Can Invest in Mutual Funds? - by Submitted on Oct 23, 2017 from Puneet SharmaA mutual fund is one of the popular investment options where the Asset Management Company (AMC) collects the money from several investors and further invests it in different instruments such as debt, equity, money market and securities. The consequent profit, after deductions by the AMC, is ...
Views: 825 - Which bank offers the most attractive interest rates on a savings account? - by Submitted on Oct 13, 2017 from Puneet SharmaMany people maintain a huge balance in savings accounts in banks. It provides a great benefit to account holders. The foremost benefit is that the individual earns interest on the amount which is deposited in the bank. The interest rate can be 4%, and so this acts as an additional source of ...
Views: 864 - What is the Difference between FD and RD? - by Submitted on Oct 04, 2017 from Puneet SharmaFixed Deposits (FD) and Recurring Deposits (RD) are the two common investment options that banks provide to the customers in India. Both these instruments provide assured return with the safety of the investment. However, the interest earned on the fixed deposit is more than that of Recurring ...
Views: 778 - 5 Misbeliefs You Should Avoid Before Applying for a Personal Loan - by Submitted on Sep 29, 2017 from Puneet SharmaFinancial crisis are sudden and may leave you in a mess! So if you find yourself in short of cash or need some urgent money, a personal loan can help you in this case. In India, there are quite a lot of banks and NBFCs (Non Banking Financial Corporations) that can provide a personal loan as a ...
Views: 879 - How do I increase the credit limit on my credit card? - by Submitted on Aug 29, 2017 from Puneet SharmaThe increased credit limit on a credit card is immensely beneficial for card users. If you can do so, you will have more availability of credit to work with. Your card issuer can give you higher credit limit than you may know. This can have a great impact on your credit score as you may lower ...
Views: 746 - Bajaj Finance Personal Loan - by Submitted on Aug 28, 2017 from Puneet SharmaBajaj Finance Limited is one of the major non-banking financial companies in India. The company offers a wide spectrum of services such as money lending, asset management, insurance, and wealth management. If anyone requires money urgently, the company offers them a quick approval online on ...
Views: 902 - How Can We Calculate Home Loan EMI? - by Submitted on Aug 24, 2017 from Puneet SharmaWith lower EMIs, home loans can be lighter on your pocket. To calculate an EMI, you must first understand what is an EMI? It is an equated monthly installment payable to the lender by the borrower on a specific date on a monthly basis. Loan EMIs are usually fixed every month. It consists of the ...
Views: 981 - What You Can and Cannot Find Using the Personal Loan Calculator - by Submitted on Aug 24, 2017 from Puneet SharmaPersonal loans offered by banks and NBFCs in India allow you to fulfill your needs when in a financial crunch or emergency such as medical exigency, wedding of a son/daughter, child’s education, home renovation or any other expenditure. It helps people overcome a temporary shortfall in funds ...
Views: 720 - Difference between RTGS code and IFSC Code - by Submitted on Aug 22, 2017 from Puneet SharmaNEFT and RTGS are the two most important electronic payment settlement mechanisms in India. It is necessary for all individuals to have a clear understanding about the difference between RTGS code and IFSC code. Knowing this difference is also important for those individuals who need to perform ...
Views: 4799 - Why is it Important to Check Your CIBIL Report? - by Submitted on Aug 21, 2017 from Puneet SharmaAs kids, we were always worried about our academic reports that illustrated our performance at school and college. Things have not changed even today with report cards being replaced by CIBIL reports and these reports also have the same effect on us. For the uninitiated, a CIBIL report ...
Views: 855 - What are the Best Credit Cards Offered by HDFC Bank - by Submitted on Aug 16, 2017 from Puneet SharmaHDFC, one of the most popular banks in India is offering a host of customer-centric credit cards with exclusive lifestyle benefits, travel privileges, dining options and a lot more. Some of the credit cards offered by the HDFC Bank are super premium credit cards, premium travel credit cards, ...
Views: 1096 - How to Get a PAN Card Online? - by Submitted on Jun 29, 2017 from Puneet SharmaPermanent Account Number or PAN is a necessary document which is needed while making hefty financial transactions or paying taxes in India. It is a tool through which the Income Tax Department of the country keeps a tab on the financial activities of the people. Applicants can apply for a PAN ...
Views: 1050 - How Can I Update My Aadhaar Card Details? - by Submitted on Jun 23, 2017 from Puneet SharmaAadhaar is a 12 digit unique identification number given to every Indian resident based on their demographic and biometric data like photograph, fingerprints and iris scan. Although, it is not a citizen proof but it serves as one of the major identification proof in India. As of June 2017, 99% ...
Views: 978 - How Indians Invest in Gold? - by Submitted on Jun 22, 2017 from Puneet SharmaIndia is one of the largest consumers of gold in the world. Indians love to buy gold jewellery for themselves and to gift to their loved ones. It is also one of the primary items people gift to brides for her wedding. In short, Indians love to spend lavishly on this bright and shiny metal even ...
Views: 947 - What is the use of SIP calculator? - by Submitted on Jun 13, 2017 from Puneet SharmaIt is advisable that you don’t spend all that you earn, because the inherent uncertainty of life makes it necessary for us to save and plan for hard times. But in terms of savings, it is not even enough to put your money in a mattress or bury it in your backyard. In fact, factoring ...
Views: 752 - How can I redeem HDFC Credit Card Reward Points? - by Submitted on Jun 12, 2017 from Puneet SharmaRewards points were introduced by the credit card companies to encourage its customers to use their credit cards for day to day expenses. Credit card companies mostly earn through an interchange fee from the merchant which varies from 1% to 2.5%. Besides the interchange fee, credit card ...
Views: 1564 - What is the IFS Code of ICICI Bank? - by Submitted on May 31, 2017 from Puneet SharmaICICI (Industrial Credit and Investment Corporation of India) Bank is one of the biggest multi-national public sector financial and banking service companies of India. It has more than 4,000 branches and around 14,500 ATMs across the country. It was the second largest bank in terms of assets and ...
Views: 1063 - Short-Term Home Loan Vs Long-Term Home Loan - by Submitted on May 31, 2017 from Puneet SharmaBuying a home is a very important decision and so is finding the right home loan. You spend months comparing and choosing the right locality, better builders and the set of amenities offered with the house. But do you really spend enough time in finding the right type of home loan? There are ...
Views: 1010 - Which is the best credit card available for online shoppers in India? - by Submitted on May 26, 2017 from Puneet SharmaAre you someone who spends a lot on shopping or maybe stocking up the staples? Or probably you love to grab the latest trend. But you also like to find deals and discounts on your shopping, specially credit card deals. A credit card is shopaholic’s best friend. There are number of credit cards ...
Views: 1052 - 5 Things to Know About Personal Loan Prepayment - by Submitted on Mar 30, 2017 from Puneet SharmaPersonal Loan Prepayment is a process of repaying the loan before its tenure is over. This can be done when an individual with an outstanding personal loan has sufficient funds to repay the loan partially or in entirety. This helps the borrower get rid of their debt early and save money by ...
Views: 958(1 vote) - How to apply for an Indiabulls home loan on paisabazaar.com - by Submitted on Feb 22, 2017 from Puneet SharmaThe fabric of Indian society has changed drastically over the last few decades. Where large families used to make do with a single residence, nowadays the joint Indian family has disintegrated into various nuclear units, each with its own residential requirements. This is the reason that the ...
Views: 1501 - What is the best credit card for international use? - by Submitted on Jan 24, 2017 from Puneet SharmaWhen traveling abroad, credit cards are absolutely indispensable. It is best advised to travel across the globe with low cash in hand, but with credit cards in your pocket. The most important question that flashes through your mind when using credit cards on foreign lands is- What are the ...
Views: 1076(1 vote) - 5 Factors Affecting Gold Prices in 2017 - by Submitted on Jan 12, 2017 from Puneet SharmaMost investors see gold as a safe investment option that can help them in a financial crisis. However, with various macroeconomic and political factors having a say on the prices, the lure of gold as an investment medium has lost some of its sheen over the last few years as can be seen from the ...
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