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Here’s Why You Should Pay Off Credit Card Bills Using A Personal Loan

Why You Should Pay Off Credit Card Bills Using A Personal Loan

With spending power that comes with credit cards, it is easy to be trapped in the vicious cycle of debt if one is not cautious. The situation becomes dire when the debt is spread over multiple cards. The situation can be tackled easily through personal loans. These unsecured loans have minimal documentation and no collateral can be used to mitigate immediate financial crunches at feasible interest rates.

Let’s delve further into personal loans and how they can be used to pay off credit card bills.

Personal loans: A glance

With minimal personal loan documents and no collateral submission, personal loans are the most accessible credit options for all regardless of self-employed or salaried applicants. Being unsecured, lenders use stringent criteria for loan qualification. Most lenders rely on the credit scores by CIBIL to determine the eligibility of the applicant. Applicants should note that the eligibility criteria vary from lender to lender. Applicants can verify their eligibility using a personal loan eligibility calculator.

Surmised below are the eligibility criteria for Fullerton India.

 

Parameters Salaried Self-employed
Credit score 750 or above 750 or above
Age limits 21-60 21- 60
ITR Required while submitting documents Applicants should have income tax returns filed for the past 2 or 3 years.
Income A minimum monthly income of Rs 25,000 for applicants from Delhi or Mumbai and Rs 20,000 for other applicants. A minimum profitable income after-tax which should be a viable amount in the respective industry
Work Experience One year One year

How do personal loans help to tackle the overdue of a credit card?

Although a higher spending one can earn points on a credit card, a defaulted repayment can negatively affect the credit score. Especially if you possess multiple cards and the balance is split across, it would be advisable to pay off the due as soon as possible to avoid hefty charges.

The most prominent method to handle credit overdue is by applying for a personal loan. With booming digitization, most lenders provide a personal loan online apply option through their websites or applications, making the process hassle-free.

Let’s check out the benefits of opting a personal loan:

  • Lower interest rates

The interest rates on an outstanding due of a credit card multiplies with each day of delayed payment and is much higher than personal loan interest rates. By adopting personal loans with lower interest rates, you can save your funds from exhausting. One of the easiest ways to compare this fact is using the annual percentage rate of the two choices. A choice with a lower annual percentage rate helps you save better.

  • Consolidating the overdue

If you are a holder of multiple cards, with dues spread across, the best way to combine the debt is to opt for personal loans. With just one monthly repayment at lower interest rates, one can handle their finances better.

  • Flexibility

Personal loans are a popular credit tool among the masses because of the flexibility it offers. It allows the applicant to choose their tenure based on their financial capacity to repay the EMIs. Such flexibility is not available with credit cards.

  • Enhancing credit score

Credit card dues can reduce the credit score of the cardholder. By opting a flexible personal loan option, one can not only pay their dues but also improve their credit scores.

Conclusion

Personal loans are often saviours, especially when one drifts in a rough tide of dues. By choosing the right lenders with best interest rates, one can not only pay off their dues but also improve their credit scores.

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Easy Tips to Choose Best Online Loan for your Higher Education

According to a report presented by ICEF, India is the world’s second-largest source when it comes to sending students abroad. As per the data revealed by the Indian Ministry of External Affairs, the total number of students studying abroad stood at 7.53 lakh as of July 2018.

Today, every parent realises the essence of quality education and wants their child to get quality education from renowned institutions be it in India or abroad. However, the cost of education in such esteemed colleges is substantial and may cause financial strain on the parents. An alternate option to arrange the necessary funds is to opt for a higher education loan.

With an unsecured loan, individuals will be able to finance their child’s higher education easily. However, it can be tricky to choose the right lender because of the numerous loan opportunities available online.

Therefore, look at the tips mentioned below to choose the best personal loan for higher education scheme.

Tips to choose personal loan online for education

  • Loan amount

Parents can apply for a Higher education loan and utilise the amount to fund their child’s educational needs. Since these are unsecured loans, one can easily avail the loan without having to hypothecate assets. Financial institutions offer loan amounts of up to Rs.25 lakh to customers.

Therefore, one needs to make sure the financial institution they choose for the online loan offers them sufficient loan amount. Ensuring this will help parents fund their kids’ higher education expenses.

  • Interest rate

Rate of interest is one of the most critical factors, which can determine the best option for higher education loan. This is because the EMIs and the total cost of the loan depend upon it. One can compare the rates offered by different financial companies and choose the one that offers them a loan at competitive rates of interest.

Further, one can avail better interest rate for personal loan by considering these factors –

  • Maintaining a credit score of 750 and above is essential to avail such loans, as this is an unsecured loan. Hence, financial institutions look for the applicant’s credibility to confirm that they will be able to repay the loan in future. Consequently, individuals must maintain a decent CIBIL score to avail the most competitive rates of interest.
  • Financial companies check the repayment history of applicants before approving a loan. Hence, individuals, who have a good credit repayment record, can get a better quote for an interest rate.
  • A loan may comprise several charges like processing fee, interest charge, etc. Have a look at those before choosing the lender as these increase the cost of a loan.

 

  • Tenor

Financial companies offer customers a flexible range of tenors (up to 60 months) to choose from for their unsecured higher education loan. Individuals should choose a lender that offers a flexible range of tenors so that loan repayment becomes easier.

  • Ease in access

Easy application procedure and quick disbursal time make it convenient for individuals to avail loans. Hence, parents should look for lenders that have an easy application process. Additionally, approval and disbursement times must be quick as well. Some companies disburse the loan amount within 24 hours.

Further, NBFCs like Bajaj Finserv make the loan application procedure simple for the borrowers with the introduction of pre-approved offers. Such offers are available on several financial products such as personal loans, business loans, etc. Individuals can check pre-approved offers instantly by inputting their name and contact number.

  • Eligibility and documents

Individuals should look for the personal loan eligibility criteria of different financial institutions before deciding on the lender. Below mentioned are the eligibility criteria that financial companies seek.

(For salaried individuals)

  • One should be an Indian resident.
  • Age range between 23 and 55 years
  • One must be a salaried employee of an MNC, private, or public firm.
  • The minimum salary range depends upon the city of residence.

(For self-employed professionals)

  • Age should be between 22 and 55 years.
  • CIBIL score should be above 750.
  • One should have a business vintage of at least 3 years.

These are some of the basic requirements for most financial lenders. Hence, one should avoid financial institutions that ask borrowers to fulfil complex eligibility conditions.

Considering the above-mentioned pointers, individuals will be able to make better decisions regarding choosing the right lender for personal loan. A wise decision will help them acquire loans at a beneficial cost, and they shall be able to fund their child’s higher education better while not harming their savings.

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How to Get an Instant Personal Loan For Emergencies in Agra?

Housing the Tal Mahal, Agra is the 4th most populated city of Uttar Pradesh. The city of Fatehpur Sikri, Agra Fort, and Jamā Masjid has an economy that primarily earns through tourism.

A large concentration of populace in the city is employed in this industry. Although low in population, the need for a personal loan in Agra is somewhat high. Numerous financial institutions and NBFCs operating in the city sanction these loans to borrowers and help them cater to emergencies.

Whether personal or business, these loans are helpful for several emergency situations. The competitive rate of interest also makes personal loans affordable. You only have to comply with a few terms and conditions to get a personal loan approved.

Some of these include:

  1. Make sure you have a good credit score

A minimum CIBIL score of 750 is necessary to opt for personal loan in agra. You may also avail a lower rate of interest with a high credit score.

Be advised that some NBFCs may sanction you a personal loan even if you hold a low CIBIL score. In such cases, you need to have a high income, apply jointly, ask for a low amount, etc.

  1. Keep all the documents close

The mandatory documents required to apply for an instant personal loan are:

  • KYC documents – Voter ID, Passport, PAN, Driving License, Aadhaar, etc.
  • Bank account statements of the last 3 months.

Along with the above, salaried applicants have to provide their salary slips of the last 2 months and employee ID card. Self-employed customers have to submit their last year’s turnover audited by a CA and income tax returns of the previous year.

  1. Apply for the right loan amount

The maximum ceiling for a personal loan is Rs. 25 Lakh. The amount you can avail depends on various factors like your income and monthly obligation. Lenders might reject your application for an emergency loan online if they think the amount is too high based on your eligibility. And, such denials can lower your credit score.

You can use a personal loan eligibility calculator to determine the loan amount you can avail. Note that the amount increases when your existing obligations decrease and vice versa. Clearing your credit card debts and foreclosing any existing loan is an ideal way to lower your debt to income ratio.

Some lenders might check your Fixed Obligation to Income Ratio (FOIR) or debt-to-income ratio before sanctioning your loan. Make sure this ratio is not more than 50%.

  1. Check whether you fall within the eligibility criteria

NBFCs like Bajaj Finserv only need you to be within the ages of 22 and 55 years and either employed (public/private company or MNC) or self-employed to avail a personal loan in Agra.

Bajaj Finserv also brings you pre-approved offers that make the process of availing loans uncomplicated and helps you save time. Pre-approved offers are available not only with personal loans but also with business loans, secured loans like home loans, and an array of other financial products. You can check your pre-approved offer by providing only your name and phone number.

Following only these points can help you secure a personal loan for an emergency without any hassle.

Also, consider the following points before applying:

1.  Check the rate of interest and charges

Comparing the rate of interest from different lenders is essential. Make sure you are getting the right interest rates along with all the features you need.

You must also check the applicable charges on a personal loan in Agra. Financial institutions charge processing fees, penal interest, secure fee, bounce charges, and several other fees.

2. Consider foreclosure and part-prepayment charges

Foreclosing enables you to pay off the entire loan before the tenor ends and save on interest. Part-prepayment facility lets you prepay a significant portion of the outstanding amount and lower either the EMIs or the tenor. You need to pay a flat charge along with applicable taxes to avail both these facilities. Check these charges applicable before opting for a lender.

3. Choose the tenor correctly

The tenor determines your loan EMIs and total payable interest. A longer tenor makes the EMIs affordable while increasing the total cost of loan and vice versa.

Consider all the factors mentioned above when availing a loan in Agra. You can also apply for a low salary personal loan without any hassle post checking your eligibility.

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How to get premium healthcare on easy EMIs in just 5 minutes?

Healthcare is one of the most cost-intensive services in India. Nevertheless, it is something that one simply cannot avoid. In this regard, an individual’s savings and medical insurance plan may not always be sufficient when obtaining quality health care. Under such a circumstance, one needs to rely on additional assistance from another source. While most individuals turn to personal loans, a better option is to consider the Health EMI card.

What is a Health EMI card?

When you desire premium health care and financing it is a vital issue, these health cards can come to your rescue. It is similar to a credit card in some ways, especially when you consider that such a card comes with a pre-approved limit. However, instead of using the credit to fund the purchase of commodities, this card allows users to fund their medical requirements only.

Another vital feature of this health card is that consumers can choose to divide the entire medical cost into manageable no-cost EMIs. Thus, instead of bearing the financial strain of paying your health care fees at once, you can slowly clear the dues without overburdening your financial planning.

EMI health card eligibility and documents

The Health EMI Network Card is available to existing Bajaj Finserv EMI Network cardholders. If you are not already a member of this network, you can avail such cards by visiting partner outlets, such as hospitals and clinics. Other health card eligibility are as follows that you should look on if planning to apply for one-

  • Applicant’s age should be between 23 and 60 years.
  • Applicants must have a regular source of income.

Before you seek quality health care with such cards, you must ensure completion of its documentation process. Existing Bajaj Finserv customers do not need to submit additional documents to avail this card. New consumers, on the other hand, need to complete their KYC process. For them, necessary documents include –

  1. Aadhaar Card
  2. PAN card
  3. Duly signed ECS mandate
  4. Cancelled cheque (in case IMPS is unsuccessful)

Application procedure for EMI health cards

If you are interested in such modes of healthcare lending, here is a complete application procedure that you need to follow –

  • Step 1: Visit the official Bajaj Finserv website and navigate to the ‘Health EMI Network Card’ section within this site.
  • Step 2: Select “apply now”.
  • Step 3: An existing member of the Bajaj Finserv family member needs to provide the mobile number linked with their other cards from the same NBFC.
  • Step 4: Eligible consumers can view their pre-approved limit. They must then clear the cost of this card through an online payment.
  • Step 5: The last step of this health care loan application process involves opening the Bajaj Finserv Wallet app. From here, one can check the status of their health EMI card.

Features of a health EMI card

Cardholders are liable to seek quality health care using this instrument. Listed below are a few features that make the usage of such cards beneficial –

1.  No cost EMI functionality

India’s medical inflation is double that of its retail inflation. This means that the cost of even minor treatments can be excessively high, depending on the hospital and procedures involved. Most individuals are unable to pay the lump-sum medical bill amounts, as they tend to be in lakhs.

This EMI health care card allows one to convert their entire treatment cost into easily manageable monthly payments. Further, this conversion into EMIs does not draw any additional expenses on the part of the cardholder. With such a facility, individuals holding these cards can freely seek the best health care services without overburdening their finances.

2. Two types of health EMI cards available

Bajaj offers two distinct types of health financing cards, namely, the Insta Health EMI Network Card and the Non-insta Health EMI Network Card. The former bears a price tag of Rs.707, while the latter is priced at Rs.589 only.

Regardless of the card you pick, these are essential instruments to ensure financial security during medical emergencies. A single card can fulfil the medical needs of an entire family, including your spouse, children and parents. Make sure you get the card today!

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Do you know the secret of a successful party?

This is not an era where you can just wish your beloved ones and give them gift. Yes you can send Happy Birthday Wishes but along with that you should do something more to make your beloved one feel special. Here we have some ideas for you.

The secret of how to organize a successful party lies in organization and planning. Of course, calling friends home doesn’t have to be formal and circumstantial. Any time is time. But if you really want to throw a party, to celebrate something, then the ‘thing’ changes. There are a few step-by-step steps to make everything easier and make the moment something really special.

The first is to define exactly what you want to do. At the same time, think about how many people you consider calling. There is space in your house for all of this. And the menu? Drinks? Essential party items? Calm. There are many decisions, but you will make each one at the right time. With our help, everything will be more than perfect! Prepare the notepad. How to organize a party: guide to success starts now!

People Also Like : Happy Birthday Images with Quotes

Come with us.

The key is to plan ahead

Good news deserves freebies with friends! To bring the crowd together in style – because they deserve it, right!? – The organization is your BFF. Having a small meeting for friends or a larger reception to celebrate something special at home requires, first of all, good planning. You will only call your closest friends or the office staff is also inside. Will there be children? You don’t need to make the guest list yet, but start designing what you want. Planning is not defining, but raising possible ideas. OK, now think about the reason for the celebration and look for references of what you want. From what you saw, set a budget. It is super important that you have this brief notion to be able to check what you already have at home and what you will need to buy, order, make yourself or rent. With this mini sketch, let’s start practicing this special task of organizing a party. The first step is to set the date and time. Consider everything you have to reference and see if there is enough time to do everything.

Guest list

Who is coming? With the outline of how you want it, let’s go to the next step in the mission of how to organize a party: make the previous list of guests. The first item on your checklist on how to organize a perfect party is the guests. It is complicated to buy food and drinks without knowing how many people will attend, approximately. The number of guests will never be exact. Your friend may take the crush or your friend may have something unexpected and not be able to attend at the last minute. It is part of it and you need to be prepared for it. But it is interesting to list everyone that I would like to call and then observe two other points: your budget and the place where you expect the party to take place. First, you need to know if you will have the money to pay for 100 people or 10. Second: does the place you want to have a party include 100 or 10?

Send invitations

With the guest list closed, define what your party invitation will look like. There are three ways to do this: in person, over the phone; printed, which need to be delivered by you; or online services. With the evolution of everything, the demand for online services has been growing, because the economy with printing and delivery can be very worthwhile. In addition to creating beautiful templates, some sites offer tools for managing confirmation, such as Invite box and Green elope. In both sites the invitations can be completely personalized, with the text you want. And the best: it’s all free! If you want a printed invitation, remember that everything must be sent or delivered personally in advance.

Set the location for the party

Indoors or in the yard! Let’s go to the next step in your checklist on how to organize a party: the place where everything will happen. Remember that we already suggested that you think about where you would host your party while sketching your previous list of guests?

Let’s explain better why now!

Accommodating 30 people in your home has no problem. The question is: does your house comfortably accommodate this amount of guests? If so, great. Just mark this item on your checklist of how to organize a party as resolved. If the answer is no, you can narrow down the guest list or look elsewhere.

Indoor party

Having your party indoors or in any other environment is safer compared to the weather? Imagine a storm two hours after the party starts and you don’t have enough room to accommodate everyone! In addition, the reception in an enclosed space is more intimate and personalized. After all, you are penning your home to your friends.

External party

With the hot summer weather, get-togethers can get out of closed environments and gain outside areas. It can be in the backyard, in the garden and even on the gourmet balcony of your apartment. Take advantage of what the station offers you for free to do something special and surprise your guests. The tip on how to organize an outdoor party is to have a ‘plan B’. The day can be beautiful and suddenly rain. So it is necessary that you pay attention to this. A sturdy tent or even taking the party indoors is worth it.

Choose the party theme

Within all that you have already considered in the ‘ mission how to organize a party ‘, we are sure that it didn’t even cross your mind that you can do something thematic. Even if the party is not a birthday party or does not have a specific reason for having it – why not just get together with friends, it’s not true! – creating a theme can be a lot of fun. Not only that, but it can also be nice when organizing the environment. Everything can be done in accordance with the theme and style you have chosen. Just be careful not to make everything too childish or too much information.

Set the menu

You can offer dinner or snacks. Everything will depend on what you choose for your party. Before defining what will serve at your party, check if any of your guests have any type of food restriction or follow a lifestyle different from yours, like veganism, for example. This is not mandatory, but it is an immense affection! The main concern when preparing the party menu is to diversify it as much as possible and include wild foods and drinks, which please most people and which are softer. If within your plan on how to organize a party the event is themed, take this into account when preparing the menu. For example: if the party is tropical, cold starters, fruit skewers and tropical drinks served in a pineapple can be cool options.

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How to stay motivated to study?

One of the biggest struggles that we face on a regular basis to stay motivated to study. As we all know, due to Coronavirus, the entire world is locked down and we are quarantined in our homes. It is no surprise that when we are locked at home, we find it tough to stay motivated to perform our regular tasks. If you’ve been watching YouTube videos to stay motivated, then it’s not as easy as it looks to gather motivation. 

If you are preparing for a professional course, then you can use this time wisely and complete your syllabus. One of the most famous professional careers is Chartered Accountancy and a lot of people appear for the CA foundation exam every year. If it is your first time to appear in CA Foundation exam, then you need to complete your entire syllabus and learn it deeply. To complete your studies, the first thing you’d need is motivation. Following is the list of the tips to stay motivated by the Best faculty for CA Inter. Let’s discuss further!

  1. Get rid of your procrastination habits

If you are a chronic procrastinator, then it may be tough for you to start studying. Don’t accuse or blame yourself to stay motivated. Just get rid of your habit of procrastinating things. Procrastinating is not a good behaviour if you want to achieve greatness in your life. You need to set a gentle plan for yourself and execute it not matter what. Don’t just create a tough plan for the day. Go mild and then start studying in flow. 

  1. Add attractive rewards

Once you define plan and goals for the day, you need to set some rewards and incentives that you are going to give yourself when you complete your study. Break big goal into small ones and then reward yourself after achieving them. You can order your goals from easier to hardest. You may reward yourself with online game, chatting with friends, the food pyramid you like, etc. 

  1. Set up a positive mind

You need to think positive and have trust in yourself. You can also plan some physical activities for yourself and get some fresh air into your lungs. When you exercise, the blood flow to your mind increases and improves your concentration power. Improving your concentration power is essential, as it makes your study effective. You’d be able to keep things in your mind for longer. Once you start understanding things with a positive mind, you’ll start staying motivated. 

  1. Create a perfect study space

This is amazing what the environment around you will do with the state of your mind. Arranging your study space so that anything you need is accessible is an ideal way to get the course going. If your study space is your home, then you can make everything easily accessible! The act of arranging things and setting up a perfect space is an ideal act to make your studies long-lasting. 

If you are unable to stay motivated to study, then follow these expert tips. You are surely going to achieve success. Once this quarantine period gets over, join Way To Pinnacle for the best CA classes in Delhi. Here you’ll get the best coaching from the expert faculties. 

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Some Common Pitfalls To Notice Before Guest Posting On A Website

Traveler walking a weblog has been under hearth for a while, and we are capable off’s honestly say it is a terrible factor. Important search engines and their leaders are popping out in opposition to vacationer jogging a weblog for one easy cause: people were taking benefit of an extremely good element through producing spammy sites, full of random, related content material fabric in an effort to growth, internet site scores.

Now I will discuss about five things that one should look before providing any content to a particular site. These easy and steps will help you out from giving your content to a low quality site. Let us have a quick look on those matters.

1. Strict Content Material Suggestions

As you look for quality net sites or blogs name for content material submission, be seeking out their traveler strolling blog suggestions. If the web page accepts visitor posts, they will greater than possibly have this section. Right here, you will find out specifics on submit period, tone, grammar, and so forth…

In place of surrender on the net web site immediately, recognize that the editor is simply asking which you make your content material an amazing in shape for his or her weblog and web design company. So how can you meet their strict tips?

First, examine every guiding principle in entire. Emerge as familiar with each request, and ensure that your put up/pitch complies.

Second, study the various weblog’s most modern-day posts to get a feel for the desired style, tone, and so forth… It’s going to additionally be essential in an effort to note that the admin will extra than possibly request changes for web design company. Be given their critique and make the changes to produce a bit of content cloth they simply want to submit.

2. Gradual Reaction

Editors may be hard to reach for a number of motives. To start with, they are busy. Many of the larger blogs have editorial schedules set months earlier. This means that they get maintain of an entire lot of electronic mail pitches that take time to get. Sluggish response is not without a doubt constrained to editors of larger blogs or web Design Company, although.

Some of the smaller blogs run at the aspect. Their editors have day jobs that occupy the majority in their time throughout the paintings week.

3. Stingy Link Guidelines

Sharing your content fabric with a new target marketplace is great on its very own; however, the capacity to add in a link again to your net website or blogs on sales is right. Maximum blogs will let you embody as a minimum one hyperlink, however it is critical which you check this earlier than agreeing to contribute.

4. Choosy Formatting Requests

Every blog may have its private set of formatting guidelines. At the same time as some first-class ask that you ship your finished paintings in a phrase record or other editable shape, others offer an entire list of necessities.

5. Lack Of Focused Facts

As you have a look at through a number of the previously posted the guest blog service on a weblog, you could recognize that they consist of an entire lot of element. From time to time, that is element you do not should provide in the in the meantime. You do, however, the assets to gather the statistics you need to deliver a detailed submit.

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How to Invest Money with Minimum Risk Factors- Bajaj Finance

According to a report presented by the Trading Economics, deposits in Indian financial market saw a year on year growth of 9.5% as of January 17th 2020. According to the statistical data released by the RBI, fixed deposits accounted for 57.7% of these total deposits in the fiscal year 2017-18.

Even though customers are spoilt for option when it comes to how to invest money today, they choose to stick to the safer option – fixed deposits. These instruments focus on stability and assured returns, minimising market volatility. In most cases, FD investments guarantee zero loss for the investor.

Fixed deposits

These are one of the safest investment options for any customer that has substantial funds in hand and looking to invest it. They can reach any government-backed financial company or private financial institutions to invest in one such term deposits. Bajaj Finance is one such name that offers Fixed Deposit as a product that can offer customers a high return on investment which is more than any regular savings account. FD interest rates for senior citizens can go up to 8.35%.

How are fixed deposits a low-risk investment plan?

  • Calculated returns

In case of fixed deposits, customers can know beforehand about the returns they are liable to receive at the end of the tenor. Financial companies offer customers with a tool to calculate the maturity amount and interest payout at the end of tenor for a cumulative or non-cumulative type of deposit. Investors can streamline their financial plan with Bajaj Finance FD calculator and make a wise financial decision.

  • Increased liquidity

The returns to be paid are not subject to change, and customers can expect returns as expected unless they opt for a premature withdrawal. Still, premature withdrawal of fixed deposit is not financially advisable as it can affect the interest payout, and customers may have to pay a penalty for the same.

  • No market interference

Since interest rates offered to the customer at the time of term deposit is fixed, any changes or alterations in the present rates do not affect the terms of FD. Hence, these are pre-empted from market risks.

  • Flexible tenor

Fixed deposits are often the choice of investment for many average investors because of the flexibility of tenor it offers. Whether one is looking to achieve short-term goals or long-term objectives, FDs are suitable for every situation. For instance, Bajaj Finance FDs come with terms ranging between 1 and 5 years.

Keep in mind, longer maturity terms usually result in impressive returns, while lower tenor may limit earnings significantly.

  • No need for a lump-sum investment

Bajaj Finance additionally offers the Systematic Deposit Plan feature on their Fixed Deposit. With this feature, there is no need to invest a lump sum amount to initiate the FD. He/she can invest a small amount every month and still grow a large corpus over the chosen tenor.

How to invest money?

To invest money in a fixed deposit scheme offered by Bajaj Finance, individuals should first make sure of the returns they can expect from the term deposit. They can check new customer interest rates and FD interest rates for senior citizens as per their requirement.

Based on this rate, individuals can calculate the interest payout for the same. They need to input deposit amount, tenor, and rate of interest to check out the interest payable to them.

Once customers are aware of the returns, they can initiate an FD from the official website and follow up the procedure as mentioned. They need to provide KYC documents and deposit the amount using multiple payment options. One can use a single cheque for multiple deposit accounts as well.

It is an investment plan that let users plan their finances wisely by choosing flexible tenor and options for interest payout, and this makes it one of the feasible options.

The pointers mentioned above should help prospective investors determine how to invest money with minimal risks. Plan your financial fruitfully with the help of a Bajaj Finance Fixed Deposit.

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Window vs Portable Air Conditioner: Which is better for your home?

Summers are already here and many people are spoilt for choice as to which brand of an air conditioner (AC) to buy. While some are quite sure as to what type and brand of AC they want, others may be confused about whether they should purchase a split, window, or portable AC. This article discusses the difference between a portable AC and a window AC along with their pros and cons to help you decide which is best for your home.

Portable AC

A portable AC is an independent movable unit with exhaust hoses which are easy to install. They are usually easier to install as compared to a window AC since you only need to remove its packaging and plug it in without altering your surroundings. Additionally, since a portable AC is mobile, it can be moved easily from room to room and takes up less space.

The exhaust hoses in a portable AC are bendable and can extend from five to seven feet. The noise levels of portable ACs vary from brand to brand, with some models being quieter than the others.

Overall, a portable AC is a quick way to add air conditioning to a room as either a temporary or long-term solution and allows for more direct cooling in various parts of the home or a room throughout the day. However, since the water from a portable AC is released in a tank or tray, it has to be cleaned and emptied on a regular basis.

Window AC

Generally, a window AC is cheaper than a portable AC. However, it is more difficult to install a window AC as you need to have ample space in your window for your AC to fit in. it is also important to ensure that the AC unit is fixed properly in a bracket, otherwise, there is a risk that it may fall on someone or something, especially for those living on higher floors. Also, the larger the cooling capacity of a window AC, the more expensive the unit will be.

Usually, a window AC is noisier than a portable AC since it rumbles against the window sills. One advantage that window ACs have over portable ACs is that the water is vented through the system internally and therefore, no tray of water is required to be disposed of or cleaned regularly.

So, which one should I buy?

If you have enough space in your house with large windows and are looking for a long-term solution, then a window AC is the right choice. However, if you only want to use an AC during the summer season or if your house is small, then a portable AC is fine.

In terms of budget, a window AC is better although the installation costs may be high. A portable AC, on the other hand, does not need to be installed and can be simply shifted from place to place and plugged in as and when needed. However, you may need to rearrange your furniture to keep the portable AC. Noise can also be a concern since it remains inside the room, unlike a window AC, which saves space by sitting in a window bracket and only extends a few inches inside, along with the noise being directed outside the window.

Overall, it is easier to find a window AC, particularly if you are looking for an energy-efficient one. Some of the best AC brand in India include Hitachi, Voltas, Carrier, Daikin, Blue Star, Samsung, and Whirlpool. Although there are several other good brands as well, the reasons these seven names are counted among the top AC brands in India are due to their efficiency, premium features, and affordable prices.

If you are looking to buy an AC, some of the best AC under 30000 are the Voltas 1.5 Ton 5 Star Window AC, Voltas 1.5 Ton 3 Star Split AC, Daikin 1 Ton 3 Star Inverter Split AC, and LG 1 Ton 5 Star Inverter Window AC. These brands are some of the best AC under 30000 owing to their lower rates, durability, and low maintenance.

While having an AC may be a necessity for some, for others it may be a luxury. That is why the Bajaj Finserv EMI Network provides loans of upto Rs. 4 lakh to help people buy ACs and a range of other electronics across their one lakh partner stores. The loan can be paid back in easy EMIs of 3, 6, 9, 12, 18, or 24 months, and the process to apply for it is quite easy. You are only required to produce the minimum KYC documentation and a cancelled cheque, and your loan gets approved. Later, you need to fill a form online and show the SMS of your pre-approved loan to shop for the AC you want.

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Bathroom Basin Taps to Complement your Chosen Theme

Restroom basin taps are used regularly in our homes and this hard-wear means that you do have to buy great quality just as you choose something to fit your washroom plan thoughts. Rebate bathroom spigots that seem appealing at their ease, but ensure they are made by a respectable assembly organization in addition. Off chance you’ve just chosen a subject and bought your washroom window ornaments, you’ll have some thought of the kind of bathroom basin taps you need to complement your chosen theme.

For the perfect taps, here are the absolute latest styles to set you off on your mission:

  • Above all, I’ve selected something contemporary that will go with most bathroom plans of the present day. The double handle with metal switch handles over the board spigot originates from the Royal Bathrooms. The shape of this model is sleek, and the finish is silk tempered steel. These washroom basin taps look spotless and functional, and the twisted flipping around and bended spout state make it look up-to-date correct. The cost of such toilet basin taps is reduced to $200.34 from $320.55.
  • The single opening single handle restroom bowl tap from the Forte assortment is a further advanced design. For hot or cold water, it’s a single segment curved spout with a thin angled switch that you pass from side to side. The finish is brushed with nickel and it’s a style that would suite well with both great and contemporary restroom design.

Basin Taps – This Season’s New Designs!

I enjoyed the unique feature of this tap that allows you to set a high-temperature breakpoint and you can set it at the most extreme temperature to prevent someone burning their hands from burning. The cost of this toilet bowl tap is $172 and is accessible from the Royal Bathrooms from Amazon Shopping Centre. This is an awesome place to use while looking for top-quality rebate washroom fixtures.

Next up on my list of thoughts about the washroom layout is a spigot from our Victorian system. It has an inside portion flanked by two metal switch handles and the finish is lovely Bronze. The spout is tenderly bent and the handles are straight with an extremely simple turning instrument that means that you can get the temperature you need without consuming or freezing your hands!

This toilet bowl tap will render European natural air in your washroom instantly and old-world. It will also fit beautifully on a portion of the beautiful vanity units in the wooden washroom which are now selling so well. The cost is around $176.66 which is the cost of a rebate washroom unit, down from the $282.65 rundown average.

My final decision is just another Victorian England plan relic. It is a single handle bathroom bowl tap that appears as cast-iron and has a Venetian Bronze finish with a dim dark color. This style has an ageless feel and like most bathroom drapes and themes, I can see it fitting in well.

Come at the Royal bathrooms

This is also the conclusion of the new analysis of the latest trends in toilet tap sets. I trust I’ve had the choice to give you some thoughts about the bathroom layout, or just help you select which spigots to look best in your room. Nowadays, the designs in bathroom draperies and shower window ornaments are evolving rapidly, but when you buy taps you expect they will have a style that will keep you going for quite some time. You can buy online spigots for good-quality markdown bathroom spigots where they can sell you the same items as retail establishments but at a drastically reduced rate.