All About Financehttp://all-about-finance.postach.io/feed.xml2020-10-13T07:17:04.073000ZWerkzeugDay Trading: Smart Or Stupid?https://all-about-finance.postach.io/post/day-trading-smart-or-stupid2020-10-13T07:17:04.073000Z2020-10-13T06:42:01ZNaina Kapoor<div><br /></div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/dbb3a463-7c87-0254-11b8-6960490b6173/76b25e2d-3598-6e3d-43fe-60e575c71dd1.png" style="--en-naturalWidth:600; --en-naturalHeight:450;"/><div><span style="color:#000000;">Day Trading or Intraday Trading is when you take a position and square it off during the same trading day. There are diverse opinions with regards to intraday trading, as it is a double-edged sword. Some traders make a living by earning regularly from intraday trade, while there are instances where a trader loses significant amount. </span></div>
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<div><span style="color:#000000;">A day trader takes a position and specifies that the order pertains to intraday trade. If he/she doesn’t close the position by the end of the trading day, the position gets squared-off automatically by the end of trading day.</span></div>
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<div><span style="color:#000000;">Day trading requires detailed analysis of charts and trends to make informed and calculated decisions. Also, trader needs to use the stop loss feature to ensure that losses are kept in check. It needs discipline and analysis to be able to reap the benefits of </span><b><a href="https://www.bajajfinserv.in/insights/intraday-trading" rev="en_rl_none">Intraday Trading</a></b><span style="color:#000000;">. </span></div>
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<div><span style="color:#000000;">Demat Account is needed to start trading in share market. However, Demat Account is used to take the delivery of shares, whereas, in intraday trading, taking delivery of shares may not be required.</span></div>
How to Choose the Right Credit Card to Maximize your Utilization Benefitshttps://all-about-finance.postach.io/post/how-to-choose-the-right-credit-card-to-maximize-your-utilization-benefits2020-09-22T10:39:22.010000Z2020-09-16T08:06:20ZNaina Kapoor<div><p><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #151b26;"><br clear="none"/></span></strong></p><p><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/56650126-ada5-4d5c-a00f-d40431c4e531/fc021bed-b1e2-43d2-bd4f-6201671ba250.jpg" /></p><p><strong>Stay covered against unforeseen incidents</strong><br clear="none"/></p><p>While you bag attractive offers, some credit cards give you complimentary insurance covers as well. For example, your issuer may give you a baggage and travel insurance cover that offers financial assistance in case your baggage goes untraced or your flight tickets get misplaced. Similarly, another issuer may offer you purchase protection insurance that gives you compensation in case goods you bought with the credit card are stolen or destroyed due to events like fire.</p><p>At times, you can consider opting for a card that offers an insurance that caters to your professional needs. For example, the Doctor’s <a shape="rect" href="http://www.bajajfinserv.in/super-card" target="_blank"><strong>SuperCard</strong></a> offers medical professionals an indemnity cover of up to Rs.20 lakh against costs arising due to negligence.</p><p><strong>Reap reward points and make purchases lighter on the pocket</strong></p><p>Before you settle on a specific credit card, run through its reward point catalog to verify that you can redeem your points for goods that matter to you. For instance, you can exchange the reward points you earn on your SuperCard for deals on Burberry perfumes, HP laptops, Sony headphones, an iPhone 7, air tickets and hotel bookings. Similarly, cards like the World Prime SuperCard make spending even more exciting by giving you reward points as gifts for every spending milestone you achieve.</p><p><strong>Get instant interest-free liquidity when you need it</strong></p><p>If your financial needs demand quick liquidity, then any SuperCard will help you get instant cash without incurring hefty interest rates. SuperCards function as a 4-in-1 <a shape="rect" href="https://www.bajajfinserv.in/credit-card" target="_blank"><strong>credit card</strong></a> and offer you, in addition to the EMI facility, the functionalities of ATM and loan cards as well. For instance, you can use an RBL SuperCard to get a 90-day interest-free loan from your cash limit or make a 50-day interest-free cash withdrawal at an ATM.</p><p>Now that you know how to choose the right credit card to maximize your benefits, choose a credit card that’s perfectly tailored to your financial needs. The SuperCard comes in 8 different variants and also offers you customized credit card financing deals. To get personalized credit card solutions, check your pre-approved credit card offer from Bajaj Finserv. Doing so will also give you instant approval and hasten the application process.</p><p><span>You can also know about </span><strong><a shape="rect" href="https://play.google.com/store/apps/details?id=org.altruist.BajajExperia&hl=en_IN" target="_blank">Credit Card App</a></strong><br clear="none"/></p></div>
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Here's How Eligibility Criteria of SuperCardhttps://all-about-finance.postach.io/post/here-s-how-eligibility-criteria-of-supercard2020-09-10T07:51:19.132000Z2020-09-10T07:44:51ZNaina Kapoor<div><p><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/42128e2c-61a6-470a-a1ac-9d55acdbed9f/bb827773-cc41-43d9-8fc6-872f3a9b70ce.jpg" /><br clear="none"/></p><p></p><p>Credit card could be an essential way that can let you save more in your daily expense. Bajaj Finserv RBL Bank Card is the great option in this way. It also known as <strong><a shape="rect" href="https://www.bajajfinserv.in/super-card" target="_blank">super card</a></strong> as , it is the credit card that offers users numerous benefits over normal credit cards. To avail this card, you need to satisfy a few eligibility criteria and submit the required documents.</p>
<p>Following are the eligibility criteria you need to comply with to avail the benefits of this card –</p>
<ul><li>You must be above 25 years and below 65 years of age.</li><li>You should not have any prior payment defaults.</li><li>You must have a credit score of 750 or above.</li><li>You must be a resident of any of the cities listed under the financial institution.</li><li>You must be an existing member of Bajaj Finserv and must be a holder of their EMI card.</li></ul>
<p>Apart from fulfilling these eligibility criteria, you also need to provide the documents below to avail the benefits of the card –</p>
<ul><li>KYC documents.</li><li>Income proof.</li><li>Form 60.</li><li>PAN card.</li></ul>
<p>Apart from these, you may also be asked to submit some other documents during the application for a credit card.</p>
<p>If you complete the application process by submitting the above documents successfully, you can find your <a shape="rect" href="https://www.bajajfinserv.in/credit-card" target="_blank"><strong>credit card</strong></a> instantly approved. Additionally, Bajaj Finserv also brings pre-approved offers that can make availing their services faster and easier. These offers are available on several financial products, including credit cards and various other advances. You can check your pre-approved offer by providing details like your name and phone number.</p>
<p>Therefore, to avail the best credit card in India, you must make sure to maximise the benefits they offer. With the RBL Bank SuperCard, you can avail the functions of several cards streamlined into one, thus making your financial transactions easier. However, make sure you satisfy the required eligibility criteria to make sure that there is no hassle with the application process.</p><br clear="none"/></div>Reasons to Make Credit Card Bill Payment Within the Due Datehttps://all-about-finance.postach.io/post/reasons-to-make-credit-card-bill-payment-within-the-due-date2020-09-01T10:19:51.906000Z2020-09-01T09:53:55ZNaina Kapoor<div><br clear="none"/></div>
<div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/7178280e-f83d-47e4-97be-d285709742bb/0e46fe2c-9b34-40d7-bc12-f95cd80f64aa.jpg" /></div><div><p><span>Credit cards are slowly becoming preferred payment tools because of attractive features such as ease of application, rewards and benefits, a simple </span><a shape="rect" href="https://www.bajajfinserv.in/credit-card"><strong><span>credit card apply online</span></strong></a><span> procedure, etc. However, to maximize the utility of your credit card, you must make sure to pay off the outstanding amount in time. If the amount is not paid within the due date, users can encounter issues that dampen their financial outlook and create unnecessary strain. The following reasons necessitate timely payment of credit card bills.</span></p>
<ul><li><span>In case the credit card outstanding amount is not paid by the due date, cardholders will have to pay interest at a high rate. </span></li><li><span>They will also have to pay a hefty fee as late penalty charges.</span></li><li><span>Furthermore late or missed payment of credit card bills will also significantly affect their credit score as well as the credit report. A credit score is a three-digit number that lending institutions use to gain an idea regarding a borrower’s payment behavior.</span></li></ul>
<p><span>Therefore, it is crucial to pay off the outstanding amount on or before the due date.</span></p>
<p><span>Credit cards come with a pre-set limit known as the credit limit. Whenever any purchase is made with the card, the available limit reduces. After the outstanding amount is paid off, this limit gets restored. Thus, non-payment or partial payment of these dues also restricts one's credit limit and restores it for the next billing cycle only by the amount paid.</span></p>
<p><span>Cardholders can easily pay their outstanding bill for credit cards such as RBL Bank SuperCard</span> <span>through online payment modes including NEFT, Net Banking, NACH Facility, Mobile app, Bill desk etc. They can also complete the payment through offline modes via cash or by drawing a cheque.</span></p>
<p><strong><span>Additional Read: </span></strong><a shape="rect" href="https://www.bajajfinserv.in/how-is-interest-rate-calculated-on-credit-card"><strong><span>Lowest Interest Rate Credit Card </span></strong></a></p>
<p><span>However, one should opt to apply for a credit card only after careful consideration of all essential factors since it is an important financial decision.</span></p>
<p> </p><br clear="none"/></div><span style="margin: 0px auto; border: 2px dotted rgb(0, 0, 0); position: absolute; z-index: 2147483647; visibility: hidden; left: 164px; width: 0px; top: 663px; height: 0px;"></span><span style="z-index: 2147483647; position: absolute; visibility: hidden; left: 149px; width: 50px; top: 648px; height: 20px; font-size: 10px; color: black;"></span>Know About the Top 7 Benefits of using a Credit Cardhttps://all-about-finance.postach.io/post/know-about-the-top-7-benefits-of-using-a-credit-card2020-08-28T08:13:23.992000Z2020-08-28T08:00:17ZNaina Kapoor<div><p style="text-align: justify;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/105cb020-c9a1-4ff4-a07f-da7e91c46ec4/a413badd-b7fd-4e9e-8950-1dc6dbe0d083.jpg" /><br clear="none"/></p><p style="text-align: justify;"><br clear="none"/></p><p><span><span> </span></span></p><p><span><span>Recent studies show that Indians are gradually becoming comfortable in digital payment options as well as handling plastic money. Following this fact, the spent amount through credit card has grown 30% higher from the preceding financial year. The reason behind it is that a credit card offers several benefits that enable an individual to </span><span>fulfill</span><span> their financial needs without draining their savings. </span></span></p><p><span>Firstly, all </span><a shape="rect" href="https://www.bajajfinserv.in/credit-card" target="_blank"><strong><span>credit cards</span></strong></a><span> come with a "chargeback" facility which let the cardholders get their amount back in case of any disputed transaction. </span></p><p><span>Secondly, these cards are regarded as one of the most convenient modes of transaction worldwide. Especially when one is travelling, where carrying cash might not be safe. </span></p><br clear="none"/><p><span>Thirdly, the popularity of credit cards also rely on the discounts and offers like reward points, cashback, etc. they provide. For example, using Bajaj Finserv RBL Bank SuperCard individuals can save a considerable amount each year. </span></p><p><span>Fourthly, all credit cards feature an interest-free grace period up to 50 days. It makes spending easier as you can make a transaction and pay the bills without paying any additional interest. </span></p><p><span>Fifthly, another major benefit of credit cards is it can effectively improve your CIBIL score. A good CIBIL score increases your loan eligibility. </span></p><p><span><span>Sixth</span><span>, in case of emergencies, these cards can prove to be a life-</span><span>savior</span><span>. As one can apply for a loan against the credit card and raise funds for immediate expenditure. </span></span></p><p><span> Lastly, credit cardholders are also eligible for ATM cash withdrawal from anywhere in the country. Several card issuers let the pupils withdraw money with 0 interests up to 50 days. </span></p><span>These are the </span>credit card benefits<span> that cardholders can have. However, they can also follow other tips to higher their credit limit to facilitate more spending without hurting the bank balance. </span><br clear="none"/></div>
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<div><strong>Additional Read: <a shape="rect" href="https://www.bajajfinserv.in/how-to-get-credit-card">H<span>ow to Get a Credit Card</span></a></strong><br clear="none"/></div>
Benefits of a Corporate Credit Card for Small Businesseshttps://all-about-finance.postach.io/post/benefits-of-a-corporate-credit-card-for-small-businesses2020-08-14T08:51:49.611000Z2020-08-14T08:43:59ZNaina Kapoor<div><p style="text-align: justify;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/fd70208b-e89d-49b7-943b-9005c58a21df/dfeb942b-af18-43e8-9882-223486289be8.jpg" /><br clear="none"/></p></div><div><p><span>A </span><span>corporate credit card</span><span> is a financial instrument whereby the responsibility of paying the outstanding amount remains with the company irrespective of who uses it. Also, as the bills on corporate credit cards are paid via the company account, it is less risky for owners since they are not in charge of paying the bills. </span></p>
<p><span>Employees can use the card to meet all business-related expenses. Since employees are not in charge of paying the bills, their personal credit score is not affected as well. These cards also offer several perks and benefits to the cardholder.</span></p>
<p><span>However, to be eligible for a corporate credit card, a company should have an annual turnover of minimum Rs.10 crore. In that case, small and medium businesses whose annual turnover is less than that can apply for business credit cards. Most financial institutions in India offer business credit cards. But, unlike corporate credit cards, business owners are responsible for paying off the credit card bill in time. </span></p>
<p><span><strong>Additional Read: <a shape="rect" href="https://www.bajajfinserv.in/how-to-apply-for-a-credit-card" target="_blank">How to Apply for a Credit Card</a></strong></span></p>
<p><span>Business credit cards come with a host of benefits which can help a business to meet all its expenses and run the venture smoothly even during a crisis. These benefits include – </span></p>
<ul><li><strong><span>Emergency loan –</span></strong><span> One can opt for an emergency personal loan during crisis by converting the unutilised credit limit of their business credit card. Moreover, no interest will be charged for up to 90 days. They only have to pay nominal processing fees.</span></li><li><strong><span>Zero interest cash withdrawal –</span></strong><span> Business credit cards also allow cardholders to withdraw cash from ATM without paying any interest for up to 50 days. </span></li><li><strong><span>Easy conversion to EMI –</span></strong><span> one can easily purchase big-ticket items and business inventory without sustaining financial setback. Business credit cards </span><span>allow individuals to convert the outstanding amount in the card to affordable EMI’s which makes it easier for them to pay off the due amount.</span></li></ul>
<p><span><span>Other essential benefits include improved security features and substantial reward points on joining and specific purchases. You must choose a business credit card wisely to </span><span>maximize</span><span> benefits. Proceed to </span></span><strong><a shape="rect" href="https://www.bajajfinserv.in/credit-card" target="_blank">apply for credit card</a></strong><span><span> in a few simple steps.</span></span></p><br clear="none"/></div>How To Use Demat Account for Online Share Trading?https://all-about-finance.postach.io/post/how-to-use-demat-account-for-online-share-trading2020-08-13T12:23:31.423000Z2020-08-13T12:11:40ZNaina Kapoor<div><p><span style="font-size: 12pt; font-family: Arial; color: #000000;">Trading in share market is one of the ways to invest money and grow wealth over a period of time. It requires an understanding of the share market, how the prices get impacted and how to make trade decisions to draw profits.</span></p><p style="padding-left: 60px;"><span style="font-size: 12pt; font-family: Arial; color: #000000;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/19a52c71-b1af-4edc-9c47-c706377a982d/29d0a9c1-9b17-46d3-b1a8-bce94f615410.jpg" alt="Key rules for setting up the perfect goals at trading - Finance ..."/><br clear="none"/></span></p><p><span style="font-size: 12pt; font-family: Arial; color: #000000;"><strong><a shape="rect" href="https://www.bajajfinserv.in/open-demat-trading-account-online">Trading account</a></strong> is needed to transact in the share market and the shares bought are deposited in the Demat account. We’ll deep dive into this and help you understand how to operate Demat account step by step:</span></p><ol><li style="font-size: 12pt; font-family: Arial; color: #000000;"><span style="font-size: 12pt;">Login to your Demat and trading account. Your stockbroker will provide the login credentials. </span></li><li style="font-size: 12pt; font-family: Arial; color: #000000;"><span style="font-size: 12pt;">Once you have logged in, you have to add money into your trading account from the bank account. The bank account details that you provide while account opening will be linked to your trading account.</span></li><li style="font-size: 12pt; font-family: Arial; color: #000000;"><span style="font-size: 12pt;">Create a watchlist of your favourite stocks. Watchlist is a customized list where you add the names of companies to view their prices at one place. Click on the company name to view its in depth detail, historical prices, price changes over the days, current bid price, current ask price, etc. </span></li><li style="font-size: 12pt; font-family: Arial; color: #000000;"><span style="font-size: 12pt;">You can select the company name and click on buy. A menu will appear to ask you regarding specifying the nature of order. You should understand the difference between Bracket Order, Cover Order, Limit Order, Market Order, etc. For example, if you chose market order, the share will be purchased at the current market price. If you choose limit order, you can specify the price at which you want the trade to get executed. </span></li><li style="font-size: 12pt; font-family: Arial; color: #000000;"><span style="font-size: 12pt;">Next you have to specify whether the order is Intraday or Delivery. Intraday order means the buy and sell will have to be done on the same day, Delivery means you want to buy the share but do not want to sell it on the same day. </span></li><li style="font-size: 12pt; font-family: Arial; color: #000000;"><span style="font-size: 12pt;">Once deciding on the parameters, you can place the order and voila, you have started your investment journey!</span></li></ol></div>
Are you searching for the right credit card? Make these considerationshttps://all-about-finance.postach.io/post/are-you-searching-for-the-right-credit-card-make-these-considerations2020-08-06T10:52:59.470000Z2020-08-06T10:49:18ZNaina Kapoor<div><p><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/e30af2f1-de8f-403e-838a-b347a358ccba/210f7385-2037-4919-8e81-cdd6b96b240e.jpg" /><br clear="none"/></p></div><div><p>Due to the rising demand among various individual spending profiles, financial institutions in India have introduced an extensive line of credit cards. So, picking up the right credit card may seem time-consuming and hectic. However, if individuals know what all elements they should consider, they can arrive at the best card and continue with their <a shape="rect" href="https://www.bajajfinserv.in/credit-card" target="_blank">credit card application</a> common procedure.</p>
<ul><li><strong>Track spending habits</strong></li></ul>
<p>As many cards are designed to serve specific spending habits, individuals should understand the reason behind opting for a card. Depending on their recurring expenditures, they can search for the cards. Borrowers who are likely to carry a balance should opt for cards with a relatively lower APR. </p>
<p>Nonetheless, it is always advisable to pay off the total monthly bill and avoid expensive APRs. Also, applicants can look for cards like <a shape="rect" href="https://www.bajajfinserv.in/super-card" target="_blank">Bajaj Finserv RBL Bank SuperCard</a> and its variants that can mostly serve all purposes.</p>
<ul><li><strong>Income</strong></li></ul>
<p>An applicant’s income is one of the vital criteria for eligibility. Thus, one should look for a product that matches their monthly earnings. However, to increase the income bar, they can mention all possible ways of earnings like investment return, business earnings, etc. to avail a credit card of their choice.</p>
<ul><li><strong>Credit limit and its utilisation</strong></li></ul>
<p>Individuals should consider lenders that can offer the highest credit limit according to their eligibility. Excessive utilisation of the limit impacts credit history negatively. So, cardholders need to keep the utilised amount within 30% of the credit limit available.</p>
<ul><li><strong>Interest</strong></li></ul>
<p>Credit cards work in a way that if borrowers wish to carry a debt after the due date, it attracts interest accrual. Typically, the rates of interests on these cards are high. So, keeping all adverse scenarios in mind, individuals should opt for competitive APRs.</p>
<ul><li><strong>Other charges</strong></li></ul>
<p>Before sending the credit card application, individuals should be aware of all the applicable charges like fees, penalties, interest rates, etc. Fees like processing charges, balance withdrawal charges, late payment fees, annual fees, etc. differ across lenders. It is thus best to opt for a card issuer with minimal such charges.</p>
<p>Borrowers should go through all these considerations one by one and narrow down their search for the most suitable credit card. It may take some time, but the procedure is beneficial to make an informed decision.</p><br clear="none"/></div>How Professional Loan can be Beneficial for Young Professionalshttps://all-about-finance.postach.io/post/how-professional-loan-can-be-beneficial-for-young-professionals2020-06-08T12:49:29.097000Z2020-06-08T12:46:13ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Amidst a projection of doubling growth in the retail loan market until by March 2024, lending institutions cater to funding needs of diverse customer profiles, professionals being one of them. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The financial market fulfils their business’s funding needs via a </span><a shape="rect" href="https://www.bajajfinserv.in/professional-loan"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">professional loan</span></b></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">. These advances are tailored to fund setting up of a business through high-value financing.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Professionals like CAs, doctors, engineers, and the likes can thus avail such loans to fulfil their financing needs. Depending on the profession, it can be a practice firm for a CA, a clinic or hospital for a doctor or a consultancy for an engineer.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">When starting a business, a professional would need to incur substantial expenditure in renting a property, setting up the office space along with furniture and fittings. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Installing necessary software or equipment and hiring skilled staff would also require a sizeable initial investment.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Professional financing customised for such business needs can sufficiently cater to these funding requirements.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Some lenders also bring loans for professionals to typically cater to their growth and expansion requirements. These may include service facility renovation, upgradation of equipment, facility expansion to a new location and the likes.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Thus, you can sufficiently fulfil your professional funding needs with these advances. Make sure to meet eligibility criteria and apply along with documents required for hassle-free processing. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><br clear="none"/></div><br/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/6a92d168-22d5-48f9-883a-71f1ba76b998/cf6ebe8c-4164-4967-9df3-d1aa7440934d.jpg" />How Female Entrepreneurs are Contributing in Indian GDP Growthhttps://all-about-finance.postach.io/post/how-female-entrepreneurs-are-contributing-in-indian-gdp-growth2020-06-05T11:35:11.245000Z2020-06-05T11:33:26ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">India accounts for nearly 58.5 million entrepreneurs, of which only 14% or 8.05 million are female. Such low participation of women in the entrepreneurship base is concern-worthy, especially since several studies suggest the substantial economic value that would be added if females ran the business vista shoulder-to-shoulder with males. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">One of the primary hindrances that result in such low female entrepreneur numbers is the lack of proper financial assistance. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Therefore, several financial institutions are providing </span><a shape="rect" href="https://www.bajajfinserv.in/unsecured-business-loan" target="_blank"><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">unsecured business loans</span></strong></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> at more convenient terms for females to address the issue of low participation. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Moreover, there have been numerous studies that show how females can add more value to the entrepreneurship circle, both domestically and globally, compared to males. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">For instance, as per a study by the Centre of Entrepreneurship, female businesspersons are more likely to take calculated risks compared to men, who are more likely to be impulsive.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Furthermore, as per this study, women can more readily detect opportunities compared to men. Such statistics largely indicate how women can more expertly handle and utilise financing facilities in their businesses’ favour. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Nevertheless, </span><a shape="rect" href="https://all-about-finance.postach.io/post/recent-schemes-launched-by-indian-government-for-indian-woman" target="_blank"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">female entrepreneurs</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> ought to consider an unsecured business loan for numerous reasons apart from it being collateral-free. For instance, such collateral-free loan involves minimal documentation and therefore, can be considerably easier to avail.</span><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Furthermore, such </span><a shape="rect" href="https://www.bajajfinserv.in/business-loan" target="_blank"><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #0000ff;">business loans</span></strong></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> can range up to Rs.30 lakh with no end-use restriction, thus providing ample financial leeway to defray numerous business expenditures. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Therefore, such a loan is ideal to capitalise on the multiple opportunities present within the current economic conditions.</span></p><br clear="none"/></div>
<div><br clear="none"/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/3f14a826-1c2d-4c30-bc1e-cf744fe7a2d8/796952fe-2f04-4952-96b2-33c8a2c5a8b1.jpg" /></div>
How Doctor Loans can Benefit in Success of Healthcarehttps://all-about-finance.postach.io/post/how-doctor-loans-can-benefit-in-success-of-healthcare2020-06-01T14:04:33.766000Z2020-06-01T14:02:52ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The healthcare sector in India is growing rapidly and is expected to continue this progress. Private healthcare services are contributing heavily to this growth. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Additionally, government schemes like ‘</span><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Ayushman Bharat</span></strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">’ are encouraging this development even further.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Local clinics are of great importance as these offer primary treatment to the patients. To help such facilities expand, financial institutions across the country are offering doctor loans to help medical practitioners invest further in this sector and provide better services to the citizen of the country.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Healthcare professionals can avail </span><a shape="rect" href="https://www.bajajfinserv.in/doctor-loan" target="_blank"><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #0563c1;">doctor loans</span></strong></a> <span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">to build their practice from scratch. Establishing a clinic requires a handsome capital to start with. </span></p><p style="text-align: justify;">Availing a loan against property can arrange the required money. The credit amount here is up to Rs.2 crore along with attractive interest rate and a tenor of up to 18 years to make the repayment more manageable. They can use such credit to finance their equipment upgradation as well.<br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Moreover, doctors can avail business loans or personal loans to renovate their practice. The loan amount here is up t Rs.37 lakh with a tenor of 96 months.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Such affordable credit in the form of doctor loans, offered by several NBFCs, will encourage more healthcare professional to invest in this sector and ultimately serve the nations by providing better services.</span></p></div>
<div><br clear="none"/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/2931a344-c8e9-4641-9517-45b1a4b8d3a1/a2294877-7ae6-4403-8da6-68f5d79c678a.jpg" /></div>
Recent Schemes Launched by Indian Government for Indian Womanhttps://all-about-finance.postach.io/post/recent-schemes-launched-by-indian-government-for-indian-woman2020-05-22T12:10:11.418000Z2020-05-22T12:09:03ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The Government of India launched the Udyogini Scheme to encourage women belonging to rural and economically weaker families to start their own enterprises. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">This initiative limits the financial burden on potential women entrepreneurs, allowing them to achieve success in their chosen business. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Benefits of the scheme include considerable loan quantum, amounting up to Rs.3 lakh. This loan principal is available without any collateral. Applicants can look forward to sizable interest rate subsidies. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Under special circumstances, loans can be extended with no interest payment compulsion as well. Thus, it greatly reduces the repayment burden on the borrower. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Business loans under this scheme come with no processing charges. Therefore, entrepreneurs do not need to bear any additional expense related to such loans.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Apart from knowing the various benefits and features, one should also understand the eligibility criteria when applying for this scheme. All applicants must be within 18 and 55 years of age. Additionally, an applicant’s annual family income must not exceed Rs.1.5 lakh.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">When it comes to the documentation process, a woman needs to furnish Aadhaar card, ration card, or BPL card to apply. Income, caste and birth certificates, and passbook are also necessary to avail </span><a shape="rect" href="https://www.bajajfinserv.in/sme-msme-loan" target="_blank"><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">SME loan</span></strong></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> under this scheme. </span></p></div>
<div><br clear="none"/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/9bc477ef-446a-43be-8841-764a91dbc9e3/fa933ca9-d57e-4299-af77-0c6165fd25b0.jpg" /></div>
Avail These Medical Treatments on EMIhttps://all-about-finance.postach.io/post/avail-these-medical-treatments-on-emi2020-05-21T10:21:27.005000Z2020-05-21T10:18:14ZNaina Kapoor<div><p style="text-align: justify; padding: 0pt 0pt 10pt 0pt;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/438266dc-8be6-432b-b8ef-6cdac58922bc/e655554e-b896-4b9d-8085-f43d44ff1c19.jpg" /><br clear="none"/></p><p style="text-align: justify; padding: 0pt 0pt 10pt 0pt;"></p><p><span>There are numerous medical treatments that can be paid for via EMIs. Individuals with a health card can avail medical care facilities by breaking the expenses into affordable monthly instalments. </span></p>
<p><span>Some of the common and standard treatments covered under EMI </span><a shape="rect" href="https://www.bajajfinserv.in/emi-network-health-emi-card?utm_source=third-party&utm_medium=referral&utm_campaign=MAY-20" target="_blank"><strong><span>health card benefits</span></strong></a><span> are listed below -</span></p>
<ul><li><span>General surgery.</span></li><li><span>Cardiac surgery.</span></li><li><span>Bariatric surgery.</span></li><li><span>Vascular surgery.</span></li><li><span>Plastic surgery.</span></li><li><span>Diagnostic care.</span></li><li><span>Maternity care.</span></li><li><span>Dental care.</span></li><li><span>Stem-cell treatments.</span></li><li><span>Oncology treatments.</span></li><li><span>Urology treatments.</span></li><li><span><span>Orthopedic</span><span> treatments.</span></span></li><li><span>Ophthalmology treatments.</span></li><li><span><span>Homeopathic</span><span> treatments.</span></span></li><li><span>Cosmetic treatments.</span></li><li><span>Slimming treatments.</span></li><li><span>IVF treatments.</span></li><li><span>ENT treatments.</span></li><li><span>Hair treatments.</span></li><li><span>Hair transplantation.</span></li><li><span>Pulmonology.</span></li><li><span><span>Obstetrics and </span><span>gynecology</span><span>.</span></span></li><li><span>Hearing aids equipment.</span></li></ul>
<p><span>Furthermore, health card benefits extend even to allied medical expenses like purchase of medicine, diagnostic tests, etc. </span></p>
<p><span>Note that individuals with the Bajaj Finserv Health EMI Network Card are also offered personal accident cover up to a sum of Rs.1 lakh for a duration of 1 year. Typically offering high discounts at partner stores and labs, some of the other significant offers are also listed below.</span></p>
<ul><li><span>Cardholders can avail up to 15% in discounts at purchase of medicines from Apollo Pharmacies.</span></li><li><span>Flat discount of 30% is offered at Medlife to individuals with health EMI cards.</span></li><li><span>A maximum of 20% discount is offered to individuals on pathological tests conducted at Metropolis Labs.</span></li></ul>
<span>A convenient option for low and middle-income groups to avail premium medical facilities, interested individuals can easily </span><a shape="rect" href="https://www.bajajfinserv.in/emi-network-health-emi-card-how-to-apply?utm_source=third-party&utm_medium=referral&utm_campaign=MAY-20" target="_blank"><strong><span>apply for a health card</span></strong></a><span> if they are an existing customer of the financial institution. In case they are not, they can still visit any of the partner stores and hospitals to apply for such a card against a nominal fee.</span><br clear="none"/></div>How to Avail a Loan Against Property Without Income Proof?https://all-about-finance.postach.io/post/how-to-avail-a-loan-against-property-without-income-proof2020-04-21T07:21:34.781000Z2020-04-21T07:19:23ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Financial institutions will ask borrowers for a proof of income before approving a loan against property. Here are a few steps you can follow to avail a loan against property without income proof.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Lastly, here are a few tips which can help you avail a loan against property without providing income proof –</span></p><p style="text-align: justify;"><strong>1. Include a co-applicant</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Borrowers can add a co-applicant into the loan agreement. The co-applicant should be a family member with a high credit record. The loan approval chance increases significantly with the addition of a salaried individual.</span></p><p style="text-align: justify;"><span style="font-size: 8px; font-family: Calibri, sans-serif; color: rgb(0, 0, 0);"><br clear="none"/></span></p><p style="text-align: justify;"><strong>2. Provide formal explanation regarding the absence of said documents</strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">In addition to stating why you do not possess said documents, provide the income tax return (ITR) report of the last quarter/financial year.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">A suitable explanation supported by an appropriate ITR report raises your eligibility of availing the loan. </span></p><p style="text-align: justify;"><span style="font-size: 8px; font-family: Calibri, sans-serif; color: rgb(0, 0, 0);"><br clear="none"/></span></p><p style="text-align: justify;"><strong>3. Opting for a low loan to value ratio (LTV)</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">LTV is the ratio between the mortgage amount and the appraised property value. A lower loan to value ratio reduces the interest and increases your eligibility in the absence of income proofs. Opting for a low LTV also increases your chances of availing the maximum tenure loan against property.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">In addition to the above, make sure to provide the following </span><a shape="rect" href="http://www.bajajfinserv.in/insights/list-of-documents-needed-to-apply-for-a-loan-against-property"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">loan against property documents</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> -</span></p><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">Identity and address proof.</span></li><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">Previous 6 months’ bank statement. </span></li></ul><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">You can also avail a loan against property without substantial income proof if you maintain a high credit score. Try to pay any existing instalments and credit card bills periodically and store the receipts for future loan negotiations.</span></p><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Must Read : </span><a shape="rect" href="https://www.quora.com/How-can-I-get-a-loan-against-property-without-ITRs-and-without-income-proof/answer/Asutosh-Sharma-13"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">How can I get a loan against property without ITRs and without income proof?<br clear="none"/></span></a></span><br clear="none"/><br/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/073d6ac6-24d8-4056-96c4-d589f3e1c901/115a3b01-47f8-4e10-b128-104291cf3ea3.jpg" /></div>
Here are the Top 5 Engineering Business Ideas for Entrepreneurshttps://all-about-finance.postach.io/post/here-are-the-top-5-engineering-business-ideas-for-entrepreneurs2020-04-21T07:14:53.525000Z2020-04-21T07:11:30ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Owing to the severe competition in the employment sector, several engineers prefer to establish their own business. For individuals who want to leave their fixed-job schedule and start their own business, here are a few engineering business ideas to help them decide their future –</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Solar panel manufacturing</span></b></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Solar panel manufacturing and installation industry is on the rise as the quest for new and environment-friendly energy sources are increasing. Solar power is one of the most cost-effective energy sources, and it can be used for both residential and industrial purposes.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Nuts and bolts manufacturing</span></b></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Nuts and bolts are essential to build any machinery or manufacturing unit and every industry, be it small or large-scale. Additionally, finding clients for your products will not be difficult. Furthermore, this </span><a shape="rect" href="https://www.bajajfinserv.in/insights/top-business-opportunities-for-mechanical-engineers"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">mechanical business idea</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> does not require substantial investment.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Machine designing</span></b></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">You can start a designing firm to provide companies with machines tailor-made for them as per their requirements.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Automobile parts manufacturing</span></b></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The automobile industry is one of the growing sectors of this country, and you can be a part of it by manufacturing parts and equipment for various companies. Quality products and compelling design can make you an OEM (Official Equipment Manufacturer.)</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">If you have quality products, then chances are that manufacturers may promote you as their official equipment providers.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Consulting</span></b></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Apart from all these core mechanical engineering business ideas, you can always establish a consulting business to help other companies. You can provide a solution to various problems that companies face every day and help them to run their business efficiently.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Whatever the idea may be, to start a business, you need capital, and if you do not have adequate funds, you can avail a loan against property for financial support.</span></p><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Additional Read : </span><a shape="rect" href="https://www.quora.com/Which-is-the-best-course-for-mechanical-engineering-under-skill-India-programme/answer/Asutosh-Sharma-13"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">Which is the best course for mechanical engineering under the skill India programme?</span></a></span><br clear="none"/></div><br/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/caa9e28a-5d00-4f9a-a4ce-c66cb18fcfb5/c50ef742-760f-43d6-98da-e964d0e4fe80.jpg" />Learn All About How GHMC Property Tax for Residential Properties is Calculatedhttps://all-about-finance.postach.io/post/learn-all-about-how-ghmc-property-tax-for-residential-properties-is-calculated2020-04-21T06:47:58.592000Z2020-04-21T06:45:11ZNaina Kapoor<div>
<p>Property tax is one of the most significant avenues of revenue generation for state governments. In line with that, individuals who own residential or commercial property in Hyderabad are levied with a property tax by the Greater Hyderabad Municipal Corporation each year.</p>
<div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/3fe81032-d15a-4b85-8f01-63766ac9a41e/6b676092-af57-4592-84fd-7aadd4d215f6.jpg" /></div>
<p><a shape="rect" href="https://www.bajajfinserv.in/insights/ghmc-property-tax">GHMC property tax</a> is collected on the basis of annual rental value of a property in question. The calculation for this property tax is different for residential and commercial properties.</p>
<p><strong>Tax calculation for residential properties</strong></p>
<p>To calculate GHMC house tax, individuals need to follow the steps below – </p>
<ol><li>Get a measurement of the plinth area. Plinth area is the total built up area which includes balconies and garages.</li><li>After getting a measure of the plinth area, one will have to learn about rent per square foot of similar properties in the area, if a property is self-occupied. Otherwise, if the property has been rented out, rent per square foot has to be considered. This will give Monthly Rental Value (MRV) of a property.</li><li>The GHMC tax will then be calculated by using the formula given below –</li></ol>
<p>Annual residential property tax = Gross annual rental value x [(17% - 30%) the slab rate determined on the basis of the MRV – 10% depreciation] + 8% library cess.</p>
<p>Calculating the Monthly Rental Value of a property is also crucial for its valuation, which in turn allows individuals to gauge the quantum of loan against property they can avail, if the need arises.</p>
<p>Must Read : <a shape="rect" href="https://www.quora.com/What-is-the-complete-step-by-step-process-to-pay-property-tax-in-Hyderabad/answer/Asutosh-Sharma-13">What is the complete step-by-step process to pay property tax in Hyderabad?</a></p>
<br clear="none"/></div>A Glance at a Wedding Planning Checklist to Ensure that the Big Day is Perfecthttps://all-about-finance.postach.io/post/a-glance-at-a-wedding-planning-checklist-to-ensure-that-the-big-day-is-perfect2020-03-30T13:59:52.899000Z2020-03-30T13:48:47ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Even with the overall economic slowdown that India has been subject to in the past year, this country’s wedding industry has no plans of slowing down anytime soon. In 2018, India’s wedding industry was worth $40 billion with a prospect of tremendous growth in the near future.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">This growth in the industry can be attributed to several factors, the most important of them being India’s fondness of lavish ceremonies. So, here is a </span><a shape="rect" href="https://www.bajajfinserv.in/insights/wedding-to-do-planning-checklists"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">wedding planning checklist</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> that will allow one to ensure that there is nothing amiss from the grandeur of their wedding ceremony.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><b><span style="font-size: 12pt;">Wedding destination</span></b></li></ul><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Fixing the wedding destination can be an arduous task. Especially with all first-choice destinations getting reserved ahead of time, it is best to start with fixing a location as the first thing to do in your planning checklist.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><ul><li><font color="#000000" face="Calibri, sans-serif"><span style="font-size: 16px;"><b>Jewelry</b></span></font><br clear="none"/></li></ul><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">With the price of gold increasing steadily, it can be difficult to finance the purchase of jewellery at a short notice. It is, thus, crucial to ensure that wedding ornaments are purchased well before time.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Nonetheless, the easy availability of advances like a loan against property for weddings has made it much easier to finance the purchase of such highly priced items in recent years.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><b><span style="font-size: 12pt;">Hire a wedding planner</span></b></li></ul><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">For everything else, there is a wedding planner. When it comes to knowing how to plan a wedding, it is best to transfer all responsibilities to professionals. They can take care of all necessary arrangements to make this ceremony picture perfect. Starting from catering to flowers, hiring a make-up artist to organising the entire event, a professional planner can manage every aspect efficiently.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">With this wedding planning checklist in mind, the occasion can become a lot hassle-free, and every aspect to it can be managed with ease.</span></p><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Must Read : </span><a shape="rect" href="http://finance-and-debt.mystrikingly.com/blog/hire-a-wedding-planner-to-ease-the-preparations"><span style="font-size: 10pt; font-family: Arial; color: #1155cc;">Hire A Wedding Planner To Ease The Preparations</span></a></span><br clear="none"/><br/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/572958dc-9069-4c6f-a8a2-3cc3b6c38c1e/108118a6-dcea-4426-ba1d-bbdba0204361.jpg" /></div>
Effective Loan Repayment Tips for Education Loanshttps://all-about-finance.postach.io/post/effective-loan-repayment-tips-for-education-loans2020-03-30T13:45:51.382000Z2020-03-30T13:43:03ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Although availing an educational loan may not involve a complicated process, careful financial planning is required during loan repayment.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Here are a few tips that can help you plan efficiently during such cases - </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong>1. Make a repayment strategy</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">An </span><a shape="rect" href="https://www.bajajfinserv.in/insights/how-to-apply-for-student-loan-in-india" target="_blank"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">education loan repayment</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> begins 6 months after the student has availed a job or after a year from the end of the course, whichever is earlier. A repayment strategy involves saving funds from the first few months of your job or other alternatives. It is advisable to have the funds beforehand to avoid hassle during the time of repayment. </span></p><p style="text-align: justify;"><br clear="none"/></p><p style="text-align: justify;"><strong>2. Prepayment or foreclosure</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Prepaying your loan will incur additional fees. In such cases, borrowers must prepare a proper cost-benefit analysis to see whether or not it is worthwhile to prepay the loan amount. </span></p><p style="text-align: justify;"><br clear="none"/></p><p style="text-align: justify;"><strong>3. Use the moratorium period</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The interest on your education loan keeps accumulating even during the moratorium period. In order to reduce the burden, it is advised that borrowers start paying EMIs as soon as the financial institution allows </span><a shape="rect" href="https://www.bajajfinserv.in/insights/5-ways-to-effectively-repay-your-existing-loan" target="_blank"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">loan repayment</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">. </span></p><p style="text-align: justify;"><br clear="none"/></p><p style="text-align: justify;"><strong>4. Part-prepayments</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Some lenders allow students to make part-prepayments at regular intervals in addition to regular EMIs. Though they have to pay processing charges, it reduces the total interest liability in the long run.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Inefficient management of educational loans can easily turn into a financial burden. As an alternative, borrowers can also consider availing a loan against property for higher education, which comes with a more comfortable interest rate, no end-use restriction, and longer repayment tenor than regular education loans.</span></p></div>
<div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/e1238dd6-84d1-4fd6-ab6c-75bb78d22d74/50545d3c-2603-471a-9db4-a718bb49de95.jpg" /></div>
How to Pick the Best Makeup Artist For Your Wedding?https://all-about-finance.postach.io/post/how-to-pick-the-best-makeup-artist-for-your-wedding2020-03-30T13:37:37.787000Z2020-03-30T13:31:38ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">A wedding is the culmination of months, sometimes years’ worth of preparations, finally concluding with a grand celebration. Other than jewellery and attire, individuals also opt for the best makeup artist to look exceptionally appealing on their special day.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Here are some tips to help you pick the perfect makeup artist for your cherished wedding. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong>1. List your preferences</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Decide in advance whether or not you require extravagant makeup or a minimal one. Try getting along with your artist. It can help you convey exactly the kind of makeup you want for your wedding.</span></p><p style="text-align: justify;"><br clear="none"/></p><p style="text-align: justify;"><strong>2. Avail trials</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Avoid picking the first artist that suits your liking. To find the </span><a shape="rect" href="https://www.bajajfinserv.in/insights/top-7-bridal-makeup-packages-in-india"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">best makeup artist</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">, you must undergo trials and check how spontaneous and efficient they are at showcasing your glamour. Ask them for a trial before agreeing to hire them for your wedding.</span></p><p style="text-align: justify;"><br clear="none"/></p><p style="text-align: justify;"><strong>3. Fix an appointment</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">It would help if you had a conversation with your artist regarding your makeup preferences. Also, if you have sensitive skin that does not suit specific products, make sure to inform the artist beforehand.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The wedding scene is not the same as it was 10-15 years back. The millennial generation often gravitates towards uniqueness and ends up experimenting with various design elements.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Nonetheless, professional makeups can get quite expensive, even those that come with pre bridal packages.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Hence, when availing a loan against property for wedding, you can use the same to hire the best professional makeup artist. With no end-use restriction, you can use the loan for any financial requirement.</span></p><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Do Read : </span><a shape="rect" href="https://all-about-finance.postach.io/post/how-to-make-right-choice-of-the-bridal-makeup-packages"><span style="font-size: 10pt; font-family: Arial; color: #1155cc;">How To Make Right Choice of the Bridal Makeup Packages?<br clear="none"/></span></a></span><br clear="none"/><br/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/dcd040a2-0f72-4932-b79f-397b9cf28db7/455112e1-12bb-451f-a565-7865280b94f9.jpg" /></div>
How is Pradhan Mantri Kaushal Vikas Yojana boosting employment?https://all-about-finance.postach.io/post/how-is-pradhan-mantri-kaushal-vikas-yojana-boosting-employment2020-03-26T06:50:44.542000Z2020-03-26T06:46:48ZNaina Kapoor<div><br clear="none"/></div>
<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Over half of India’s current population is under 25 years old, which makes it the youngest country of all. While the young population is growing, the rate of unemployment is also on the rise. To mitigate this, the government launched the </span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Pradhan Mantri Kaushal Vikas Yojana</span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> to boost employment rate.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The prime objective of this scheme is to make the unemployed youth industry-ready and suitable for employment. Besides, it also aims to provide financial as well as placement assistance to those who undergo training.</span></p><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">How does PMKVY function?</span></b></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The employment scheme launched under </span><a shape="rect" href="https://www.bajajfinserv.in/insights/skill-india-courses"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">Skill India Programme</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> works on three different components that are:</span></p><ul><li><b style="color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-size: 12pt;"><span style="font-size: 12pt;">Short term training:</span></b><font color="#000000" face="Calibri, sans-serif"><span style="font-size: 12pt;"> These courses range between 150 and 300 hours and are </span><span style="font-size: 16px;">specialized</span><span style="font-size: 12pt;"> in digital literacy, entrepreneurship, financial literacy, etc.</span></font></li></ul><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><b><span style="font-size: 12pt;">Recognition of prior learning:</span><span style="font-size: 12pt; font-weight: 400;"> Certifications are provided to youths who have prior skills or experience. There are courses to bridge the gap between knowledge and skills.</span></b></li><li><b><b style="color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-size: 12pt;"><span style="font-size: 12pt;">Special projects:</span></b><font color="#000000" face="Calibri, sans-serif"><span style="font-size: 12pt;"> These training sessions are </span><span style="font-size: 16px;">modeled</span><span style="font-size: 12pt;"> for special job profiles relating to corporates, industries or government sectors. </span></font></b></li></ul><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Besides these, you can also opt for courses that enhance your employability chances. Above all, make sure you hold the necessary and valid documents for identification and address that will help you avail the benefits of this scheme with ease. Also, look into the other prerequisites so as to make the most of this employment scheme.</span></b></p><p style="text-align: justify;"><b><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">With the requisite skills, you can establish your own business. The capital required can be availed via a loan against property, offered by several HFCs. </span></b></p><b><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Must Read : </span><a shape="rect" href="https://allabout.finance.blog/2019/11/15/all-you-need-to-know-about-kaushal-vikas-yojana-pmkvy/"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">All You Need To Know About Kaushal Vikas Yojana (PMKVY)</span></a></span><br clear="none"/></b></div><br/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/734a945f-abd3-46fa-860e-c4468786e06c/b7b5a479-92e4-4d86-8a1c-e9601c4205fd.png" />Know About The 5 best Biotechnology Colleges Around the Worldhttps://all-about-finance.postach.io/post/know-about-the-5-best-biotechnology-colleges-around-the-world2020-03-26T06:44:28.075000Z2020-03-26T06:40:18ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">By combining life sciences with medicine and technology, biotechnology has emerged as a new career choice for several students. According to a recent survey, career opportunity in this field is expected to grow by 7% by 2028. A degree in this field from a reputed college can open a host of career opportunities to students.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Here is a list</span><span style="color: rgb(51, 51, 51);"><span style="font-size: 12pt; font-family: Calibri, sans-serif;"> of </span><span style="font-size: 12pt; font-family: Calibri, sans-serif;">best biotechnology colleges in the world </span></span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">–</span></p><p style="text-align: justify;"><strong>1. Harvard University, USA</strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">It is one of the most prestigious <a shape="rect" href="https://www.bajajfinserv.in/insights/choose-from-the-best-biomedical-science-colleges-in-the-world">biotechnology colleges in the world</a>. Its biotechnology programme is one of a kind, and the undergraduate level includes neuro-engineering, medical instrumentation and bio mechanics.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong>2. University of Cambridge, UK</strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">This university has a close association with the Cambridge Biomedical Campus, one of world’s largest health science and medical research facilities. This university has an M Phil programme in biomedical science.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong>3. Oxford University, UK</strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">One of the oldest universities in the world, Oxford offers a dedicated undergraduate programme along with an option for specialization.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong>4. Massachusetts Institute of Technology (MIT), USA</strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Even though MIT is not a medical school, its extensive programmes in biological engineering, bio electrical engineering etc. makes it one of the top biotechnology colleges.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong>5. John Hopkins University, USA</strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">This university, combined with John Hopkins Hospital, offers extensive undergraduate and graduate programmes to the students.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">To study from these prestigious institutes, you may require an education loan. If you are wondering </span><a shape="rect" href="https://www.bajajfinserv.in/insights/online-education-on-emi" target="_blank"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">how to get a student loan</span></a><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">, you should consider the following points –</span></p><ul><li style="font-size: 12pt; font-family: 'Noto Sans Symbols', sans-serif; color: #000000;"><span style="font-size: 12pt; font-family: Calibri, sans-serif;">Apply for a loan after you receive any documents regarding the confirmation of your admission from your college. The reason being, it will give you an idea of the fund you will need to finish your degree.</span></li><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">Compare lenders based on the interest rate and tenor. A lender who is offering a longer tenor at a competitive interest rate is the one to go for.</span></li></ul><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Students who are aspiring to join one of these above mentioned prestigious colleges can also opt for a loan against property for higher education. As a secured loan, it will offer borrowers the funds for not only tuition fees but accommodation, food, and others. </span></p><p><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p></div>
<div><br clear="none"/><br clear="none"/><br clear="none"/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/916441aa-c5ff-4c4d-a2e5-0ffa924b962d/ae9ab062-2975-4fab-892a-4f678f7d1253.jpg" /></div>
Top 3 Venues For Destination Marriage in Indiahttps://all-about-finance.postach.io/post/top-3-venues-for-destination-marriage-in-india2020-03-26T06:37:29.910000Z2020-03-26T06:29:40ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Weddings in India have always been a grand and elaborate affair, more so in the present days where destination events are in vogue. Hosting a wedding away from home requires a lot of effort and planning. But ultimately, it is worth the effort as it creates memories for life.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Here are 3 destinations that couples can look into who are planning a destination marriage. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong><span style="font-size: 12pt;">1. Amanjiwo Resort, Amanjiwo</span></strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Situated in Java, Indonesia, this resort is a perfect place to host a destination wedding. Couples can be married in the DalemJiwo suite offering a view of the rice fields in front. For the reception, they can move to the pool club restaurant, which has a 40m infinity pool with a stunning view of Merapi dan Merbabu volcanos. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong><span style="font-size: 12pt;">2. InterContinental Samui Baan Taling Ngam Resort, Koh Samui</span></strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Surrounded by the blue waters of Thailand, this resort is ideal for destination weddings. This resort has won several accolades over the years for its immaculate service. Couples can set water as the backdrop of their wedding and hold their reception ceremony at the Air Bar Club, which offers a stunning view of the water below from the cliff.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><p style="text-align: justify;"><strong><span style="font-size: 12pt;">3. Sakala Resort, Bali</span></strong><br clear="none"/></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Situated by the Indian Ocean, this resort has a wedding chapel and a beach on offer. Couples can marry in the chapel and host their reception party on the beach by the sunset.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Weddings are a special day in every person’s life, and it is essential to make it memorable. To make it extra-special, makeup plays a vital role. Thus, couples can opt for bridal makeup packages in India to look apart that day. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">The budget should not be a stumbling block from making your destination wedding unforgettable. Hence, you can opt for a loan against property for a wedding to support your plans.</span></p></div>
<div><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Do Read : </span><a shape="rect" href="https://www.bajajfinserv.in/insights/unbeatable-destination-wedding-venues-under-rs20-lakh" target="_blank"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">What does destination wedding cost incur?<br clear="none"/></span></a></span><br clear="none"/><br clear="none"/><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/2782cf50-cb8c-425b-8834-da44ef672321/4d70a30a-fec1-4dad-a66a-112371841db2.jpg" /></div>
Avail an Education Loan Against Property to Study From the Top Colleges in the Worldhttps://all-about-finance.postach.io/post/avail-an-education-loan-against-property-to-study-from-the-top-colleges-in-the-world2020-03-24T11:20:40.707000Z2020-03-24T11:15:40ZNaina Kapoor<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">If you are planning to pursue a professional course or even study abroad in the </span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">top colleges in the world</span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">, the cost can be significant.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">During such situations, it is likely that you will look for potential sources of finances to fund your education. Subsequently, you can apply for an education loan on property to avail a considerable amount that can conveniently meet your financial expenses towards education.</span></p><p style="text-align: justify;"><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Top colleges in the world to opt for</span></strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Here is a list of top colleges that you can opt to pursue your higher education:</span></p><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">Stanford University.</span></li><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">Massachusetts Institute of Technology.</span></li><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">Harvard University.</span></li><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">Columbia University.</span></li><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><span style="font-size: 12pt;">University of Oxford.</span></li></ul><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">All the colleges mentioned above are located in the United States and Europe. Considering the fact that these colleges have an excellent infrastructure and curriculum, the expenses incurred to study there is quite huge. Hence, individuals opt for secured education loans. </span></p><p style="text-align: justify;"><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">What is an education loan</span></strong><strong><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> on property?</span></strong></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">A loan against property for education is a secured credit that can be availed by mortgaging an asset. With this loan, you are entitled to an amount as high as Rs.3.5 crore, which can easily fund your education as well as living cost in some cases.</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Nevertheless, make sure you are well-versed with the prerequisites of applying for a loan before zeroing on a specific lender.</span></p><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Must Read : </span><a shape="rect" href="http://finance-and-debt.mystrikingly.com/blog/what-are-top-5-colleges-in-the-world" target="_blank"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;">What are Top 5 Colleges In The World</span></a></span><br clear="none"/></div>
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Different Skill Development Programmes in Indiahttps://all-about-finance.postach.io/post/different-skill-development-programmes-in-india2020-03-24T11:15:18.891000Z2020-03-24T10:01:41ZNaina Kapoor<div><br clear="none"/></div>
<div><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">To facilitate skill development in India, the Skill India campaign was launched by the Ministry of Skill Development and Entrepreneurship. One of the main objectives of this scheme is to train more than 40 crore individuals by 2022. </span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Some of the </span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">skill development programmes</span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> that have been launched in India are as follows -</span></p><p style="text-align: justify;"><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><br clear="none"/></span></p><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><strong><span style="font-size: 12pt;">Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDUGKY) – </span></strong><span style="font-size: 12pt;">This scheme provides training to the rural poor at a minimal cost. The beneficiaries under this programme are rural youth within the age group of 15 – 35 years who are members from the socially backward group and women up to 45 years of age. This programme offers scope for career progression, international placements and post-placement support.</span></li></ul><span><span><br clear="none"/></span></span><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><strong><span style="font-size: 12pt;">Pradhan Mantri Kaushal Vikas Yojana (PMKVY) – </span></strong><span style="font-size: 12pt;">This scheme aims to train the youth of India and provide them with necessary skills so that they are prepared to face global market challenges. It provides them with essential financial aid and certificate on completion of the training programme. This certificate will enable them to secure a job in future. </span></li></ul><span><span><br clear="none"/></span></span><ul><li style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"><strong><span style="font-size: 12pt;">National Skill Development Corporation –</span></strong><span style="font-size: 12pt;"> This is a partnership between public and private entities to focus on developing skills for the members of marginalized groups and providing them with suitable employment. This initiative also plans to establish a framework for specific industries to improve productivity and output quality. </span></li></ul><span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;">Youths who have undergone training with </span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #1155cc;"><a shape="rect" href="https://www.bajajfinserv.in/insights/skill-india-courses" target="_blank">skill development program</a></span><span style="font-size: 12pt; font-family: Calibri, sans-serif; color: #000000;"> can be self-employed by starting their own business. They can avail the necessary funds to start their business set-up by opting for a loan against property. </span></span></div>
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4 Point Guide to have a Perfect Destination Marriage in Indiahttps://all-about-finance.postach.io/post/4-point-guide-to-have-a-perfect-destination-marriage-in-india2020-02-11T13:16:23.620000Z2020-02-11T13:03:57ZNaina Kapoor<div><div style="text-align:justify;margin-top:16px;"><b><span style="color:#1c1e29;"><span style="--en-markholder:true;"><br /></span></span></b></div></div>
<div style="text-align:justify;"><span style="color:#000000;">Destination marriages in India are gaining more popularity as couples are favouring a location away from their known locations to get married and celebrate their special day.</span></div>
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<div style="text-align:justify;"><span style="color:#1c1e29;">Here is a four-point guide to have a<u> </u></span><b><a href="https://www.bajajfinserv.in/insights/unbeatable-destination-wedding-venues-under-rs20-lakh"><u>destination marriage</u></a></b><span style="color:#1c1e29;"> without any hiccups.</span></div>
<div><br /></div><ol><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><b><span style="color:#1c1e29;">Choose a feasible location</span></b></div></li></ol><div><br /></div>
<div style="text-align:justify;"><span style="color:#1c1e29;">Narrowing down on the location is the primary step in any destination marriage. </span><span style="color:#000000;">To avoid any difficulties, it is best to choose a location that is easily accessible by every mode of transportation and permits the budget. </span></div>
<div><br /></div><ol start="2"><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><b><span style="color:#1c1e29;">Makeup pointers</span></b></div></li></ol><div><br /></div>
<div style="text-align:justify;"><span style="color:#000000;">On the day of marriage, a couple should look exclusive and hiring a professional makeup artist is a commonplace requirement for most millennial couples today. </span><span style="color:#1c1e29;">Here are<u> </u></span><b><a href="https://www.bajajfinserv.in/insights/top-7-bridal-makeup-packages-in-india"><u>7 bridal makeup packages in India</u></a></b><span style="color:#1c1e29;">, which couples can opt for to look special on their big day.</span></div>
<div><br /></div><ul><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;">HD bridal makeup.</span></div></li><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;">Traditional bridal makeup.</span></div></li><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;">Airbrush bridal makeup.</span></div></li><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;">Body-polishing bridal makeup.</span></div></li><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;">De-stress bridal makeup.</span></div></li><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;">Bridal glow makeup.</span></div></li><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;">60-day wedding ritual makeup.</span></div></li></ul><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><span style="color:#1c1e29;"><span style="--en-markholder:true;"><br /></span></span></div><ol start="3"><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><b><span style="color:#1c1e29;">Photography</span></b></div></li></ol><div><br /></div>
<div style="text-align:justify;"><span style="color:#000000;">Hiring a professional photographer will make your marriage photos stand out from others. But, such photographers have a busy schedule. So, book in advance to avoid missing out on great wedding photos.</span></div>
<div><br /></div><ol start="4"><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><b><span style="color:#000000;">Travel arrangements</span></b></div></li></ol><div><br /></div>
<div style="text-align:justify;"><span style="color:#000000;">Creating a flawless travel arrangement plan is where most couples struggle. Thus, it is better to hire a travel agency or any other similar vendor who can manage such arrangements.</span></div>
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<div style="text-align:justify;"><span style="color:#000000;">Wedding day is one of the most memorable days of a person’s life, </span><span style="color:#1c1e29;">so it is essential to make it unforgettable. But to do that budget can be an issue. If that’s the case, one can avail a loan against property and celebrate the destination wedding they want.</span></div>
Check Out How to Avail The Best Biomedical and Biotechnology Collegeshttps://all-about-finance.postach.io/post/check-out-how-to-avail-the-best-biomedical-and-biotechnology-colleges2020-02-11T13:02:49.055000Z2020-02-11T11:26:31ZNaina Kapoor<div><div style="text-align:justify;margin-top:16px;"><span style="color:#000000;">Biotechnology and biomedicine are among the most popular courses for the millennial's. These courses are considered highly prospective for the future and therefore a popular career choice for many aspirants.</span></div></div>
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<div style="text-align:justify;"><span style="color:#000000;"><span style="--en-markholder:true;"><br /></span></span></div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/adeeab1e-db2a-46e7-92c2-9fbefb667753/2820bbe8-0204-4a40-baeb-5ed5c7d3fef0.jpg" width="633.6860986547085px"/><div><br /></div>
<div style="text-align:justify;"><span style="color:#000000;">There are various renowned biomedical and </span><b><a href="https://www.bajajfinserv.in/insights/choose-from-the-best-biomedical-science-colleges-in-the-world" rev="en_rl_none">biotechnology colleges</a></b><span style="color:#000000;">. Most of these colleges are abroad, but they enrol students from every country. For most students, studying in a prestigious college abroad can be costly. So, they can easily avail the benefits of an education loan against property to mitigate the financial stresses and fulfil their aspirations.</span></div>
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<div style="text-align:justify;"><b><span style="color:#000000;">What is an education loan against property?</span></b></div>
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<div style="text-align:justify;"><span style="color:#000000;">A loan against property for education is a type of secured loan. An individual is required to mortgage their property to avail such advances. Such an education loan against property can go up to Rs.3.5 crore depending on the property value.</span></div>
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<div style="text-align:justify;"><b><span style="color:#000000;">Key benefits of an education loan against property</span></b></div>
<div><br /></div><ul><li><div style="text-align:justify;margin-top:16px;"><b><span style="color:#000000;">Convenient EMIs – </span></b><span style="color:#000000;">A borrower can avail a loan at feasible EMIs, as the tenor of a loan against property can range between 2 years to 20 years. Longer tenors reduce the payable EMIs.</span></div></li><li><div style="text-align:justify;"><b><span style="color:#000000;">No end-use restriction –</span></b><span style="color:#000000;"> Loans against property do not come with any end-use restrictions. An education loan against property simply such a loan utilised primarily to meet educational as well as etcetera expenses.</span></div></li><li><div style="text-align:justify;margin-bottom:6px;"><b><span style="color:#000000;">Competitive interest rate – </span></b><span style="color:#000000;">Financial institutions provide affordable interest rates on secured loans and even more so on loans against properties.</span></div></li></ul><div><br /></div>
<div style="text-align:justify;"><span style="color:#000000;">Financial institutions provide various beneficial education loans which help a student to avail a bright career. With the help of such a loan, any aspiring student can choose from the </span>best biomedical colleges in the world<span style="color:#000000;"> with ease.</span></div>
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<div style="text-align:justify;"><span style="color:#000000;">#loanagainstproperty #studyabroad #biotechnologycolleges</span></div>
Which Bank Gives Highest Rate of Interest on FD?https://all-about-finance.postach.io/post/which-bank-gives-highest-rate-of-interest-on-fd2019-12-17T07:27:50.376000Z2019-11-18T12:19:01ZNaina Kapoor<div><br /></div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/b0523c68-e8dd-4ba3-8da7-a87f9662efab/e97138ae-a5f0-4662-a701-0b1e4e188803.jpg" /><div><br /></div>
<div style="text-align:justify;"><span style="color: #000000;">One of the most important features of fixed deposits is the </span><a href="https://www.youtube.com/watch?v=_KOJhRIsFKA" rev="en_rl_none">guaranteed returns on FD</a><span style="color: #000000;">, making it one of the safest and reliable investment options available in the Indian financial market.</span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Along with other features like flexible tenor, high returns, choice for interest payouts, etc. The high returns are accumulated by incurring the interest offered on these deposits. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Now, unlike loans, interest offered for fixed deposits solely depends on the financial institution and not on the Reserve Bank of India, repo rate, or MCLR rate. Therefore, to accumulate maximum benefits, one must choose a lender that provides a higher rate of interest on FDs. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Usually, financial institutions and non-banking financial companies provide fixed deposit schemes on a 6% - 8% interest rate. However, the interest earned by you depends on the deposited amount, interest rate, tenor, taxation, and interest computation frequency. There is a surge of 0.35% on interest rates applied for senior citizens. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Individuals acquiring high interest rates on FD can also get marginal rate of return due to the inflation scenario in India. You may have funds and want to invest in fixed deposits to acquire high returns, but should keep these points in mind –</span></div>
<div><br /></div><ul><li><div style="text-align:justify;"><span style="color: #000000;">Inflation rate is going to affect the actual return on investment, which should be considered while calculating the percentage gain from this term deposit. </span></div></li><li><div style="text-align:justify;margin-bottom:11px;"><span style="color: #000000;">It is equally important to select a reputed financial institution or non-banking financial company for your fixed deposits that offers high interest rates on FD.</span></div></li></ul><div style="text-align:justify;margin-bottom:11px;"><span style="color: #000000;"><span style="--en-markholder:true;"><br /></span></span></div>
<div style="text-align:justify;margin-bottom:11px;"><span style="color: #000000;">Subsequently, choose a financial agency accordingly that not only offers a high rate of interest but also place your funds at a reputed and reliable institution. Also, the scheme and term of deposit you select can fetch you better returns, So start investment in </span><a href="https://www.youtube.com/watch?v=JC6yRnSklvE&t=3s" rev="en_rl_none">Bajaj Finserv Fixed Deposit</a><span style="color: #000000;">. </span></div>
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Tips To Consider While Choosing The Top Colleges In The World For An Ms Degreehttps://all-about-finance.postach.io/post/tips-to-consider-while-choosing-the-top-colleges-in-the-world-for-an-ms-degree2019-12-17T07:13:47.307000Z2019-11-07T10:34:05ZNaina Kapoor<div><div style="text-align:justify;margin-top:16px;"><br /></div></div>
<img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/666ef4a0-713a-4d8c-8d57-db60e3127ffb/414d9f31-b1a7-4eff-8a3f-b6cd3fb1d2ef.jpg" style="--en-viewerProps:{};"/><div><br /></div>
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<div style="text-align:justify;"><span style="color: #000000;">Choosing the top colleges in the world for an MS degree requires you to keep in mind several factors. One prime consideration that affects your choice is the expenses involved. Studying abroad can be challenging if you lack funds. In such cases, you can avail secured advances such as a loan against property for education. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Given below are some tips to consider in choosing a college for your higher education – </span></div>
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<div style="text-align:justify;"><b><span style="color: #000000;">Tip 1. Analyse its academic quality </span></b></div>
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<div style="text-align:justify;"><span style="color: #000000;">Before you choose a college to pursue an </span><a href="https://www.bajajfinserv.in/insights/your-complete-guide-to-post-graduate-courses-in-american-universities" rev="en_rl_none">MS degree in the USA</a><span style="color: #000000;">, it is essential that you evaluate its academic quality. Make sure that it offers relevant facilities required for an MS degree such as research laboratories, research groups, equipment, networking opportunities, etc. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Additionally, also check if it offers you basic facilities such as health clinic, recreation room, cafeteria, etc. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Evaluate a college based on its faculty members, subjects offered, etc. After you choose the best American universities to pursue your undergraduate degree, you can gather information on the same and apply for the institution that serves your requirement. </span></div>
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<div style="text-align:justify;"><b><span style="color: #000000;">Tip 2. Know the cost </span></b></div>
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<div style="text-align:justify;"><span style="color: #000000;">Before enrolling in an institution, it is essential that you know the costs involved. Consider other expenses involved in travel, accommodation, books, etc. Knowing expenditures in advance will help you manage your funds better. </span></div>
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<div style="text-align:justify;"><b><span style="color: #000000;">Tip 3. Check the placement options </span></b></div>
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<div style="text-align:justify;"><span style="color: #000000;">To secure employment after completing your studies, it is essential that you check the placements offered by your college. Know the companies your college has tie-ups with to forecast possible companies that you can get employment in</span></div>
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<div style="text-align:justify;"><span style="color: #000000;">In addition, do make sure to check the affiliation and accreditation of the college. Also, check the type of dissertation projects that it allows and the cooperation they provide to complete your project while you pursue an MS degree in the USA. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Additional Read: </span><a href="https://www.bajajfinserv.in/insights/loan-against-property-for-education-explained" rev="en_rl_none">How to Avail Education Loan in India</a><span style="color: #000000;">?– Know the Key</span></div>
Loan Against Property: Documents Required for Applicationhttps://all-about-finance.postach.io/post/loan-against-property-documents-required-for-application2019-12-17T07:10:04.028000Z2019-10-18T07:25:49ZNaina Kapoor<div><div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);">Provide the following <a href="https://www.bajajfinserv.in/insights/list-of-documents-needed-to-apply-for-a-loan-against-property" rev="en_rl_none">documents required for a loan against property</a> after completing the online application form.</span></span></span></div></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"><b>Documents Required for Salaried Professionals</b></span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);">Keep these documents at hand –</span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><br /></div><ul><li><div>Identity proof such as Aadhaar card, PAN card or Voter ID card.</div></li><li><div>Address proof such as Passport, Ration card, Utility bill, Aadhaar card etc.</div></li><li><div>Latest salary slips.</div></li><li><div>Bank account statements for the last 3 months.</div></li><li><div>IT returns.</div></li><li><div>Documents of the mortgaged property.</div></li></ul><div style="text-align:start;color:rgb(0, 0, 0);"><br /></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);">After submitting this list of documents needed to apply for a loan against property, your loan will be sanctioned, and you will find the amount disbursed to your bank account with 3-4 days.</span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div><img src="https://www.evernote.com/shard/s415/res/c5c8df93-b695-4d26-abc0-1961b9a94b6f" /><div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"><b>Documents Required for Non-Salaried Individuals</b></span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);">Here is the loan against property documents required for self-employed individuals –</span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><br /></div><ul><li><div>Aadhaar card, Passport or Voter ID card as proof of identity.</div></li><li><div>The voter ID card, Passport, Utility bill, etc. or any other proof of address issued by the government of India.</div></li><li><div>Bank account statements for the last 6 months.</div></li><li><div>Documents of the property which is mortgaged.</div></li></ul><div style="text-align:start;color:rgb(0, 0, 0);"><br /></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);">Submit these documents required for a loan against property to enjoy a quick and hassle-free loan approval from your preferred lender.</span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"><b>How to Apply?</b></span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);">Follow these steps to apply for a mortgage loan in India –</span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><br /></div><ol><li><div>Fill up the application form at the lender’s official website online.</div></li><li><div>The lender’s representatives will get in touch with you within a day of receiving your application.</div></li><li><div>Submit the required documents.</div></li><li><div>Receive the loan approval within 48 hours of the application.</div></li></ol><div style="text-align:start;color:rgb(0, 0, 0);"><br /></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);">Now, that you are aware of the documentation procedure and how to apply one for a mortgage loan, apply successfully and find your loan sanctioned to you.</span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"> </span></span></span></div>
<div style="text-align:start;color:rgb(0, 0, 0);"><span style="font-family: Verdana, Arial, Helvetica, sans-serif;"><span style="font-size: 11px;"><span style="color: rgb(0, 0, 0);"><b>Additional Read: <a href="http://scooparticle.com/how-the-mortgage-interest-tax-deduction-works-in-india/" rev="en_rl_none">How the Mortgage Interest Tax Deduction Works in India</a></b></span></span></span></div>
Must Know Popular Business Ideas for Women Entrepreneurs in Indiahttps://all-about-finance.postach.io/post/must-know-popular-business-ideas-for-women-entrepreneurs-in-india2019-12-17T07:10:05.919000Z2019-10-03T08:03:10ZNaina Kapoor<div><br /></div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/9a42aa61-56ba-4550-8297-37157dded54a/4292ce0a-0ac3-4f63-aa17-8fb3b7afdc4f.jpg" style="--en-viewerProps:{};"/><div><br /></div>
<div style="text-align:justify;"><span style="color: #000000;">As per the 6</span><sup><span style="color: #000000;">th</span></sup><span style="color: #000000;"> Economic Census conducted by the Ministry of Statistics and Programme Implementation, about 14% of total entrepreneurs in India happen to be women. Out of a total of 8.05 million women entrepreneurs, about 2.76 million (13.3%) are engaged in the agricultural sector, and 5.29 Million (65%) are engaged in non-agricultural activities. With women flourishing in every field of the economy, you can easily refer to these </span><b><a href="https://www.bajajfinserv.in/insights/business-ideas-for-women-and-arrange-for-funds" rev="en_rl_none"><span style="color: #1155cc;"><u>business ideas for women in India</u></span></a></b><span style="color: #000000;">.</span></div>
<div><br /></div><ol><li><div style="text-align:justify;margin-bottom:13px;"><b><span style="color: #000000;">Day care services</span></b></div></li></ol><div style="text-align:justify;padding-left:40px;"><span style="color: #000000;">It is one business alternative that requires minimum capital. When both parents of a child choose to work, they obviously require a reliable and responsible day care centre. All you need to do is be affectionate and caring towards the kids.</span></div>
<div><br /></div><ol start="2"><li><div style="text-align:justify;margin-bottom:13px;"><b><span style="color: #000000;">Bakery shop</span></b></div></li></ol><div style="text-align:justify;padding-left:40px;"><span style="color: #000000;">For women who have baking as their hobby, can set up a bakery shop and get started as an entrepreneur. Owing to the popularity and demand for cakes in every celebration, there are high chances that the small business evolves into a bigger one.</span></div>
<div><br /></div><ol start="3"><li><div style="text-align:justify;margin-bottom:13px;"><b><span style="color: #000000;">Freelance writing</span></b></div></li></ol><div style="text-align:justify;padding-left:40px;"><span style="color: #000000;">Writing content is one of the best business ideas for women those who have an inclination towards writing. It requires minimal capital investment, and you can start earning by writing from home as well.</span></div>
<div><br /></div><ol start="4"><li><div style="text-align:justify;margin-bottom:13px;"><b><span style="color: #000000;">E-business</span></b></div></li></ol><div style="text-align:justify;padding-left:40px;"><span style="color: #000000;">Starting from merchandise to home utilities, e-commerce sites are an excellent platform to initiate your business. E-tutoring is also a great alternative for women who have a knack for teaching.</span></div>
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<div style="text-align:justify;padding-left:40px;"><b><span style="color: #000000;">Additional Read: </span><a href="https://businessfinancearticles.org/chartered-accountants-are-helping-businesses-grow-here-is-how" rev="en_rl_none"><span style="color: #1155cc;"><u>Chartered Accountants are helping businesses grow: Here is how</u></span></a></b></div>
<div><br /></div><ol start="5"><li><div style="text-align:justify;margin-bottom:13px;"><b><span style="color: #000000;">Interior designing</span></b></div></li></ol><div style="text-align:justify;padding-left:40px;"><span style="color: #000000;">Many women are fond of designing homes and offices, and what better if they can transform their passion into a profession. Setting up your interior designing services requires minimal investment expenditure.</span></div>
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<div style="text-align:justify;"><span style="color: #000000;">According to the reports of National Sample Survey Organisation, 79% of the businesses run by women entrepreneurs in India are self-financed. This data reveals that best business idea for women in India is to start from scratch and then take it to the peak eventually.</span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Refer to these business ideas for women and easily arrange for the required funds with the help lenders who offer more attractive </span><b><a href="https://www.bajajfinserv.in/business-loan-fees-and-interest-rates" rev="en_rl_none"><span style="color: #1155cc;"><u>rates of interest on business loans</u></span></a></b><span style="color: #000000;">.</span></div>
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How to Check Your Name in the PMAY List of Beneficiaries?https://all-about-finance.postach.io/post/how-to-check-your-name-in-the-pmay-list-of-beneficiaries2019-12-17T07:10:06.612000Z2019-10-01T10:20:57ZNaina Kapoor<div>PMAY is a ‘housing for all’ scheme rolled by the Government to construct 20 million affordable homes by 2022. As a <a href="https://www.bajajfinserv.in/insights/pradhan-mantri-awas-yojana-beneficiary-list">PM Awas Yojana list</a> 2012-19 applicant, you can check if you made it to the beneficiaries list from the official site.</div>
<div><br /></div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/014275c6-64bb-4adf-85b2-bd9f3e0490a2/e36983f8-cdc9-42eb-970a-f75649ba3bd7.jpg" style="--en-viewerProps:{};"/><div><br /></div>
<div><b>How to check your name on the list?</b></div>
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<div>To check if you have qualified for the beneficiaries list under Pradhan Mantri Awas Yojana list, follow these easy steps –</div>
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<div><b>Step 1:</b> Visit the official site of PMAY.</div>
<div><b>Step 2:</b> Select the ‘Search Beneficiary’ tab.</div>
<div><b>Step 3:</b> Provide your Aadhaar number.</div>
<div><b>Step 4:</b> Click ‘Show’.</div>
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<div>The result will show you all the details like beneficiary code, survey code, name, father’s name, component name, etc.</div>
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<div>Once you have found your name on the PM Awas Yojana list, you can proceed on availing the best financing option. You can avail a home loan from any financial institution that comes under PMAY compliance.</div>
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<div>One of the <a href="http://www.bajajfinserv.in/insights/key-benefits-of-the-pradhan-mantri-awas-yojana-pmay">PMAY benefits</a> is the availability of subsidy on home loan interest rates. Applicants from the economically weaker section, lower and middle-income group can benefit from the PMAY CLSS. EWS and LIG families can avail an interest subsidy of 6.5%. MIG I families receive subsidy of 4% while MIG II beneficiaries avail 3% subsidy.</div>
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<div>Now that you know all about the Pradhan Mantri Awas Yojana beneficiary list, check if you are eligible to benefit from this credit-linked subsidy scheme.</div>
Major Reasons Behind Professional Loan Request Rejectionhttps://all-about-finance.postach.io/post/major-reasons-behind-professional-loan-request-rejection2019-12-17T07:10:05.306000Z2019-09-30T12:48:10ZNaina Kapoor<div><br /></div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/f98e1b25-e347-4c45-ba9e-a8e5c8de50dd/64add6a5-8f2a-4ec1-bff8-048e5545bd88.jpg" style="--en-viewerProps:{};"/><div><br /></div>
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<div style="text-align:justify;"><span style="color: #000000;">Availing a CA loan helps you to meet several costs like starting your new CA firm, work space renovation, office relocation, employee costs, etc. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Approval of your loan application will depend on various factors such as meeting the </span><b><a href="https://www.bajajfinserv.in/chartered-accountant-loan-eligibility-and-documents" rev="en_rl_none"><span style="color: #1155cc;"><u>CA loan eligibility criteria</u></span></a></b><span style="color: #000000;">, documentation process, etc. even though availing these are comparatively easy. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Given below are some of the reasons behind your loan rejection:</span></div>
<div><br /></div><ol><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><b><span style="color: #000000;">High debt to income ratio</span></b></div></li></ol><div><br /></div>
<div style="text-align:justify;"><span style="color: #000000;">If you have an outstanding debt comparatively higher than your monthly income securing your loan application can get difficult. Maintaining a debt-to-income ratio below 50% is ideal when applying for credit. </span></div>
<div><br /></div><ol start="2"><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><b><span style="color: #000000;">Low CIBIL score</span></b></div></li></ol><div><br /></div>
<div style="text-align:justify;"><span style="color: #000000;">Your CIBIL score plays an essential part when you apply for advances. A CIBIL score of 750 or above is necessary to successfully apply for a loan for chartered accountants. You can improve your CIBIL score by clearing all your outstanding dues. Alternatively, if you hold a credit card, maintain a credit utilisation ratio below 30% of the credit card limit to improve your CIBIL score. </span></div>
<div><br /></div><ol start="3"><li><div style="text-align:justify;margin-top:16px;margin-bottom:13px;"><b><span style="color: #000000;">Insufficient documents</span></b></div></li></ol><div><br /></div>
<div style="text-align:justify;"><span style="color: #000000;">There are certain eligibility criteria and documents needed to apply for a CA loan to prove your credibility to manage a credit. Such documents include income proof, address proof, KYC documents, etc.</span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Do make sure to inquire about your lender’s documentation process and apply once you hold all the required documents.</span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Your lender may also reject your professional loan application if you do not have a stable source of income and a sound employment history. Besides, if you have too many unapproved loan applications from the past, the chances of securing a loan can be challenging.</span></div>
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<div style="text-align:justify;"><b><span style="color: #000000;">Additional Read: </span><a href="https://www.bloglovin.com/@aditiahuja9/smart-usage-ca-loan-how-can-you-reap-maximum" rev="en_rl_none"><span style="color: #1155cc;"><u>Smart Usage of CA loan: How can You Reap Maximum Benefits?</u></span></a></b></div>
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Quick Ideas for Business Women to Self-Fund a Businesshttps://all-about-finance.postach.io/post/quick-ideas-for-business-women-to-self-fund-a-business2019-12-17T07:10:05.918000Z2019-09-30T08:01:32ZNaina Kapoor<div><br /></div><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/e86205bc-9889-42c8-b928-05cccd61a882/12706642-6557-44da-8a0f-a51b58143744.jpg" style="--en-viewerProps:{};"/><div><br /></div>
<div style="text-align:justify;"><span style="color: #000000;">Financing is always a huge concern for women entrepreneurs. But with proper financing, you can start your business and expand it over time. There are numerous business loans for women available for female entrepreneurs. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">Leading financial institutions and NBFCs are offering </span><b><a href="https://www.bajajfinserv.in/business-loan" rev="en_rl_none"><span style="color: #1155cc;"><u>business loans</u></span></a></b><span style="color: #000000;"> with a competitive rate of interest and with a host of other benefits. To avail these finances, you have to prepare your organisation for availing business loans. </span><b><span style="color: #000000;"> </span></b></div>
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<div style="text-align:justify;"><span style="color: #000000;">Apart from the traditional lending options, you can also other sources of finance. For example, take advances from venture capitalists by proving your business have solid growth potential. Or, go for micro financiers even if you possess a low CIBIL score. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">You can also opt for angel investors if your business project exhibits quick profitability. Taking part in women-centric initiatives funded by States and Central government schemes is also beneficial.</span></div>
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<div style="text-align:justify;"><b><span style="color: #000000;">Additional Read: </span><a href="https://sites.google.com/view/small-scale-business-ideas" rev="en_rl_none"><span style="color: #1155cc;"><u>Small Scale Business Ideas You can Start in Gurugram India</u></span></a><span style="color: #000000;"> </span></b></div>
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<div style="text-align:justify;"><span style="color: #000000;">Availing crowdfunding by convincing investors that your business plan can generate sufficient revenue is also another way to secure financing. </span></div>
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<div style="text-align:justify;"><span style="color: #000000;">The number of women-owned enterprises has increased over the past couple of decades thanks to these funding options. Female entrepreneurship is getting a fresh lease with these advances and is exhibiting a positive growth trajectory. </span></div>
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<div style="text-align:justify;"><b><span style="color: #000000;">Additional Read: </span><a href="https://hotmaillog.in/different-types-of-working-capital-a-business-owner-should-know-about/" rev="en_rl_none"><span style="color: #1155cc;"><u>Different Types of Working Capital a Business Owner Should Know About</u></span></a></b></div>
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MSME Ministry Said it Aiming to Boost India’s MSME, Here’s How?https://all-about-finance.postach.io/post/msme-ministry-said-it-aiming-to-boost-indias-msme-heres-how2019-12-17T07:10:02.628000Z2019-09-23T13:07:32ZNaina Kapoor<div><div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"></div></div>
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<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/d8bc83d2-6e63-418f-895f-e35c5bffa409/1ecb616a-0ec0-4c70-8a12-53d2474a7d66.jpg" /><br /></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant-numeric: normal; line-height: 1.38;">The Government of India has launched many schemes under which the Micro, Small and Medium Enterprises can avail advances. The <b><a href="https://www.bajajfinserv.in/sme-msme-loan">MSME loan schemes</a></b></span><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant-numeric: normal; line-height: 1.38;"> includes MUDRA loan, Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and many more. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">The MUDRA loans aim to provide loans up to Rs. 10 Lakh under 59-minute. The business loans are available in three different categories like Shishu, Kishor and Tarun. Under the Shishu loans, applicants can avail a maximum sum of Rs. 50,000. Kishor loans provide a loan amount from Rs. 50,000 to Rs. 5 Lakh. Borrowers can avail loans from Rs. 5 Lakh to Rs. 10 Lakh under Tarun. The repayment tenor is 5 years under this scheme. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; line-height: 1.38;">Additional Read: </span><a href="https://globalriskcommunity.com/profiles/blogs/easy-steps-to-follow-to-get-a-small-business-loan-hassle-free?xg_source=activity" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; line-height: 1.38; text-decoration: underline;">Easy Steps To Follow to Get a Small Business Loan Hassle-Free</a></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">The application process is convenient, and you will have to visit the official website to download an application form. Fill the application form with the required details like your name, phone number, parents’ name, date of birth, annual income, etc. After filling up the application form, you will have to select a lender offering credits under this scheme. Complete the formalities of the lender and provide the required documents. After the application process is completed, the amount will get disbursed. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">The CGTMSE provides credits up to a maximum amount of Rs. 2 Crore to those meeting the eligibility criteria. For application, individuals are required to approach financial institutions or NBFCs offering advances under this plan. You will have to fill out an application form with the required details and present a feasible business plan to qualify. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; line-height: 1.38;">Additional Read:</span><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;"> </span><a href="http://www.article.org.in/article.php?id=241674" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; line-height: 1.38; text-decoration: underline;">How to Calculate and Improve Net Working Capital in Any Business</a></div>
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Follow These Tips to Make Patient Base Increasinghttps://all-about-finance.postach.io/post/follow-these-tips-to-make-patient-base-increasing2019-12-17T07:10:10.836000Z2019-09-23T11:27:49ZNaina Kapoor<div><div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"></span><br /></div></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="color: rgb(0, 0, 0); font-family: Calibri;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/bb99fc77-d1df-456a-a780-5007f0754318/590f808f-3619-48bf-912d-4801cfe1deb3.jpg" /></span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">The healthcare sector in India is expected to grow significantly in the upcoming few years. It serves as an excellent opportunity for individuals who are looking to expand their patient base. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap;"><br /></span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Investing in technology can significantly help you to expand your client base. An Electronic Health Record (EHR) system is one technology that you can invest in to ensure that your operations run smoother. You can conduct various actions such as scheduling appointments, sending reminders, managing digital records with the help of such systems. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Also, a mobile application can help you in this aspect. Patients will be able to avoid waiting time if they can book appointments via an app. Furthermore, the easy availability of </span><a href="https://www.bajajfinserv.in/doctor-loan" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; line-height: 1.38; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; text-decoration: underline;">professional loan for doctors</a><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"> from various lenders ensures that you can avail the funds required for such expenses.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap;"><br /></span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Secondly, improving your infrastructure will surely expand your patient base. You will be able to establish your mark in the healthcare sector if you offer excellent treatment with new-age equipment.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap;"><br /></span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Furthermore, building your online presence also can help you considerably. Online mHealth platforms will expand your presence beyond your vicinity and ensure that you can diagnose your patients with convenience.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap;"><br /></span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Keeping the above mentioned points in mind will ensure that you can expand your client base along with establishing a formidable position in the sector.</span><span style="font-size: 12pt; white-space: pre; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"> </span><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"> </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold;">Additional Read: </span><a href="http://www.dailybn.com/2019/07/how-medical-equipment-financing-is-beneficial-to-upgrade-your-clinics-equipment/" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; line-height: 1.38; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; text-decoration: underline;">How Medical Equipment Financing is Beneficial</a></div>
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A Complete Guide on The MHADA Lottery Schemehttps://all-about-finance.postach.io/post/a-complete-guide-on-the-mhada-lottery-scheme2019-12-17T07:10:11.031000Z2019-09-16T10:43:39ZNaina Kapoor<div>
</div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Maharashtra
witnessed a massive growth in urbanisation over the past decade. With
such rapid urbanisation, the requirement for affordable houses also
increased subsequently. To meet this uprise in demand, the
Maharashtra Housing and Area Development Authority introduced the
</span><a href="https://www.bajajfinserv.in/insights/know-about-mhada-lottery-scheme-in-maharashtra" style="background: transparent;"><font color="#0083e5">MHADA
lottery scheme</font></a><span style="background: transparent; color: rgb(0, 0, 0);">. It aims to boost affordability and accessibility
of residential properties.</span></div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Everything
that you must </span><span style="background: transparent; color: rgb(0, 0, 0);">know
about the MHADA lottery scheme in Maharashtra</span><span style="background: transparent; color: rgb(0, 0, 0);">
is mentioned below -</span></div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;"><b><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/71bbb6eb-efaa-4efc-8727-3ae4684fcd2d/41165983-1daa-417b-ba0e-ff489dca3cb1.jpg" width="570"/><br /></b></div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">Eligibility
</span><span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">C</span><span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">riteria</span></div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">To apply
for this lottery scheme from MHADA, applicants are required to fulfil
the eligibility criteria are as follows – </span>
</div><ul><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Be of at
least 18 years of age.</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Hold a
PAN card.</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Produce
a domicile certificate as proof that they are a resident of
Maharashtra.</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Be
salaried individuals.</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Annual
household income for an applicant must be within the specified limit
for a category applied for.</span></div></li></ul><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">Documents
</span><span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">R</span><span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">equired</span></div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Applicants
are required to submit the following documents along with an
application form.</span></div><ul><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Aadhaar
card</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Voter ID
card</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Passport</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Birth
certificate</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Domicile
certificate</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Driving
license</span></div></li></ul><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">Pricing
of the </span><span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">U</span><span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">nits</span></div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">Pricing
of units under the different categories in this lottery scheme from
MHADA are mentioned below – </span>
</div><ul><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">EWS
category – Under Rs. 20 Lakh.</span></div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">LIG
category – Between Rs. 20 Lakh and Rs. 30 Lakh. </span>
</div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">MIG
category – Between Rs. 35 Lakh and Rs. 60 Lakh. </span>
</div></li><li><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">HIG
category – Between Rs. 60 Lakh and Rs. 5.8 Crore.</span></div></li></ul><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0);">In 2019,
the lottery was held with 217 units, which saw 66,000 applicants. As
the lottery is abided by the </span><a href="https://www.bajajfinserv.in/insights/all-you-need-to-know-about-maharera-in-maharashtra" style="background: transparent;"><font color="#0083e5">MahaRERA
Act</font></a><span style="background: transparent; color: rgb(0, 0, 0);">, optimum transparency will be maintained in the process.</span></div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<span style="background: transparent; color: rgb(0, 0, 0); font-weight: bold;">Additional
read: </span>
</div><div style="margin-top: 0.49cm; margin-bottom: 0.49cm;">
<a href="https://www.losboquerones.com/what-is-maharashtra-housing-and-area-development-authority-lottery-scheme/" style="background: transparent;"><font color="#0083e5">What
Is Maharashtra Housing And Area Development Authority Lottery Scheme?</font></a></div>Common Issues and Challenges Could be Arrived for Women Entrepreneurshttps://all-about-finance.postach.io/post/common-issues-and-challenges-could-be-arrived-for-women-entrepreneurs2019-12-17T07:10:11.920000Z2019-09-13T07:33:49ZNaina Kapoor<div><div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;"></span><br /></div></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="color: rgb(0, 0, 0); font-family: Calibri;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/16886be8-c725-45ca-a489-69be8fe969c0/85b6a363-2c1a-4879-929c-dab682936960.png" /></span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">Women entrepreneurs play a crucial role in the growth of SMEs and MSMEs business community in India. Although their business expansion has been exponential in recent years, they often face significant obstacles in their venture. </span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">The biggest hurdle most women entrepreneurs face is lack of proper finance. The backbone of any enterprise ifs financing; shortage of funds provides hindrance in stocking inventories, expanding business operation, etc. Given in such situations, women entrepreneurs have to rely on their savings to meet the necessary expenditure. This can often pose as a financial burden. Thus, realising these issues, the Indian Government has launched flagship start-up loan schemes to help women entrepreneurs in their business growth. These </span><a href="https://www.bajajfinserv.in/business-loan" style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #1155cc; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">business loans</a><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;"> are one of the exceptional ways to avail funding. </span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">There are plenty other obstacles faced by women businessmen like low risk-bearing capability. Almost 39% of urban women population do not have a formal education. Out of that, 11% are illiterate and not economically self-reliant. This reduces their chances of starting an enterprise. However, with the availability of business loans for women entrepreneurs are making a stride.</span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">A 2019 survey by the Centre for Entrepreneurs states, with the availability of credit facilities and favourable government schemes – female entrepreneurship is given a fresh lease in India. </span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Additional Read:</span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;"> </span><a href="https://www.chillnews.net/a-guide-for-self-employed-individuals-looking-for-a-personal-loan-with-no-income-proof/" style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #1155cc; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">A Guide for Self-Employed Individuals Looking for a Personal Loan with no Income Proof</a></div>
<div><br /></div>
Small Business Ideas For Chartered Accountanthttps://all-about-finance.postach.io/post/small-business-ideas-for-chartered-accountant2019-12-17T07:10:17.511000Z2019-09-09T09:36:31ZNaina Kapoor<div><div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;"></span><br /></div></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="color: rgb(0, 0, 0); font-family: Calibri;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/f949cd71-c0f0-4b71-b9f2-639617fcf83d/f0528c8c-ab62-451e-9727-05fc4d737499.jpg" /></span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">After completing the CA articleship, the aspirants can either seek employment at firms or start a business on their own. So, if you plan to open a line of business – the first thing that you need is a substantial investment. Fortunately, the availability of </span><a href="https://www.bajajfinserv.in/chartered-accountant-loan" style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #1155cc; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">professional loan for chartered accountants</a><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;"> can provide you with the necessary finances. Now, after securing your funds, look into these small business ideas to start your entrepreneurial journey. </span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">Some of the 5 top business ideas for CAs include the following. They can specialise as a</span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-weight: bold; font-variant: normal; white-space: pre-wrap;"> </span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">Goods and Service Tax practitioner offering expertise at filing IT returns to micro and small industries. They can work as financial auditors</span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-weight: bold; font-variant: normal; white-space: pre-wrap;"> </span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">while liaising with a CA firm or open a singular firm for the same.</span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">They can even offer outsourcing services to help other firms hire fresh recruits to expand their business horizons into new sectors. Tax consultancy services are one of the staple services most CAs provide where they act as an expert consultant for a firm or an individual to track their revenue and expenses.</span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Additional Read: </span><a href="http://www.podshipnikivse.com/how-to-qualify-for-a-ca-loan-in-india/" style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #1155cc; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">How to Qualify for a CA Loan in India?</a></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">Other out-of-the-ordinary</span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-weight: bold; font-variant: normal; white-space: pre-wrap;"> </span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">business ideas</span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-weight: bold; font-variant: normal; white-space: pre-wrap;"> </span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">include opening up an academia for their CA course. You can put your skills and insurance to good use by tutoring young aspirants to shine in their career.</span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">You can take up these innovative growth opportunities for chartered accountants to start your entrepreneur career. You can always rely on chartered accountant loans for necessary financial requirements, personal or professional.</span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Additional Read:</span><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;"> </span><a href="https://dailygram.com/index.php/blog/561983/minimum-credit-score-required-for-ca-loan-approval/" style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #1155cc; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">Minimum Credit Score Required for CA Loan Approval</a></div>
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Medical Equipment You Should Have in Your Health Care Set Uphttps://all-about-finance.postach.io/post/medical-equipment-you-should-have-in-your-health-care-set-up2019-12-17T07:10:10.823000Z2019-09-09T07:34:48ZNaina Kapoor<div><div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><br /></div></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/956ee729-23b8-4b85-af51-907384e2fccb/d3b06cec-631e-4e82-9a9f-1e7e0899b240.jpg" /></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Setting up a primary healthcare facility is a long drawn process that needs proper planning. One such area of the process that requires meticulous planning is getting medical equipment. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Every primary healthcare facility should have some medical equipment to provide basic medical care to patients. Few of the equipment include- basic diagnostic equipment, emergency supplies, ECG units and other necessary accessories, autoclave, Tympanometer, laboratory equipment, stainless steel equipment, X-ray machines, etc. Apart from these, there are other equipment like furniture, appliances, wheelchairs, wall decorations, etc. that you need to purchase for your facility.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Now, purchasing the equipment can leave you with a hefty bill amount. That is why it is best to seek </span><a href="https://www.bajajfinserv.in/how-to-fund-medical-equipment-needs" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; line-height: 1.38; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; text-decoration: underline;">medical equipment financing in India</a><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"> to avail funds for these costs. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">There are financial institutions that offer business loans as a part of doctor loan, which are tailor-made to suit the requirements of doctors in India. With this advance, you can finance the purchase of medical equipment, software, training your staff, etc. They are unsecured advance that you can avail without pledging any collateral. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">There are also several reasons to avail business loans for doctors like a high loan amount value, flexible tenor, instant approval and easy disbursal. To avail this loan, you need to comply with some eligibility criteria set by your lender. Once you avail the </span><a href="https://www.bajajfinserv.in/healthcare-medical-equipment-finance" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; line-height: 1.38; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; text-decoration: underline;">healthcare finance</a><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">, you can use the funds to purchase the latest medical equipment for your primary care facility.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold;">Additional Read:</span><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"> </span><a href="https://www.storeboard.com/blogs/business/know-how-to-improve-your-credit-score-to-opt-for-healthcare-finance/966903" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; line-height: 1.38; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; text-decoration: underline;">Know How to Improve your Credit Score to Opt for Healthcare Finance</a></div>
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Pradhan Mantri Mudra Loan Yojana: Purpose and Offeringhttps://all-about-finance.postach.io/post/pradhan-mantri-mudra-loan-yojana-purpose-and-offering2019-12-17T07:10:12.226000Z2019-09-05T10:11:20ZNaina Kapoor<div><div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"></span><br /></div></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="color: rgb(0, 0, 0); font-family: Calibri;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/0b608e58-4baf-4e1b-baa6-6e8084d573bc/fce3426a-bdb8-4205-adb0-000b95312953.jpg" /></span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">The Pradhan Mantri MUDRA Yojana is a measure taken by the Union Government of India to ensure uninterrupted flow of liquidity to small businesses and enterprises. Launched in early 2015, it has managed to impact the trading, manufacturing and services sectors in India.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">Around 6 Crore PMMY loans have been approved till the end of FY 2019. The sanctioned loan amount adds up to Rs 321722.79 Crore (Rs 3.2 Lakh Crores) while the loans already disbursed is greater than Rs 3 Crores. Most financial institutions including NBFCs lend money to applicants under the scheme.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">A </span><a href="https://www.bajajfinserv.in/mudra-loan" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 255); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; text-decoration: underline;">Pradhan Mantri MUDRA loan</a><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"> is essentially a business loan and comes with a MUDRA card which acts as a credit card as well. It can also be used for ATM withdrawals. Besides, these loans come with a lower payable interest rate, which makes them more attractive to the applicant. </span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">The PMMY scheme benefits a large chunk of the population including women entrepreneurs who are comparatively fewer in number. On offer are a Credit Guarantee which ensures that availing small credits is easier, besides equipment finance and micro credit schemes.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;">The PMMY scheme solves the liquidity issues that many marginal businesses face. Given that fact that it is directed at non-farming and non-corporate entities, it is likely that entrepreneurship will receive a boost.</span></div>
<div><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold;">Additional Read:</span><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal;"> </span><a href="https://www.merchantcircle.com/blogs/finance-and-debt/2019/9/Secret-Tips-that-will-Help-You-Improve-your-Business-Loan-Eligibility/1738167" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; text-decoration: underline;">Secret Tips that will Help You Improve your Business Loan Eligibility</a></div>
An Introduction to Export Promotion Cell for MSME Sectorhttps://all-about-finance.postach.io/post/an-introduction-to-export-promotion-cell-for-msme-sector2019-12-17T07:10:13.125000Z2019-09-02T13:07:47ZNaina Kapoor<div><div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">For many years, the MSME segment in India has witnessed sustained high growth rates. However, they lacked global competitiveness and were rarely visible in foreign markets. To overcome this weakness, the Central Government has decided to set up an Export Promotion Cell. The cell will follow orders and directives from the MSME Ministry.</span></div></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">The government has targeted the transformation of the Indian economy towards the $5 trillion mark by 2024. To accomplish such an ambitious figure, the MSME sector has to progress further. With this in mind, more financing options in the form of </span><a href="https://www.bajajfinserv.in/sme-msme-loan" style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #0000ff; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">MSME loans</a><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;"> are currently being planned and partially rolled out as well. Ultimately, the EPC will take over the credits and advances considerations.</span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">The EPC is authorised to hold seminars, help more small organisations participate in global fairs, train them to become globally competitive. Packaging and ensuring an unbroken supply chain is essential for exporting any product. These aspects will come under the ambit of the Cell.</span></div>
<div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 10pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; font-variant: normal; white-space: pre-wrap;">Finally, the EPC will reward those organisations which yield the best results. Currently, the MSME segment contributes more than 48% to the total export volume of the country. With the new regulations of the Cell, the MSME segment is expected to drive the export volumes even higher.</span></div>
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All About Professional Loan Eligibility Criteria, Required Documents and Interest Rateshttps://all-about-finance.postach.io/post/all-about-professional-loan-eligibility-criteria-required-documents-and-interest-rates2019-12-17T07:10:19.120000Z2019-08-26T12:16:51ZNaina Kapoor<div>
</div><div style="margin-bottom: 0.35cm;"></div>
<div style="margin-bottom: 0.35cm;"><span style="color: rgb(0, 0, 0); font-family: "Times New Roman";"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/c37c2144-249a-4869-9825-26f2f1fbb99b/2884ea84-8328-40e5-ae55-5b2cc509bc5e.jpg" /><br /></span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">Professional
loans are very helpful for medical practitioners, CAs and engineers.
It supports such professional individuals when they need financial
support to diversify their business and work.</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; font-weight: bold; line-height: 100%;">Loan
Help For Medical Practitioners</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">Professional
loan for medical practitioners is a great way to support the
establishment of a new clinic, hire skilled medical staff and expand
the clinic with advanced technologies. Any new changes or upgrade
requires financial support. And a loan is the quick fix to that.</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">To
support doctors renowned lender offer loans that come with facilities
like pre-approved, quick disbursements and lots more. With the help
of this loan amount, the doctor may hire new staff; add equipment,
open new clinic branch and lots more. Especially for young doctors,
such a loan is immensely fruitful.</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; font-weight: bold; line-height: 100%;">Eligibility</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">To
get a <b><a href="https://www.bajajfinserv.in/professional-loan">professional loan</a></b></span><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">, one may apply to both banks and NBFCs. Doctors can avail
both secured and unsecured loans from the lender. The eligibility
criteria vary from lender to lender. But a few basic things remain
the same if a doctor requires unsecured loans. It is always advisable
to learn the details of the eligibility criteria before you apply for
such a loan.</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; font-weight: bold; line-height: 100%;">Documents</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">Both
NBFCs and banks have their set of rules regarding the documents
required for a doctor loan. The necessary documents that are mostly
required are the KYC details of the person, proof of medical
practice, certificate and medical license. If it is about secured
loan type, then one has to submit the right papers of the mortgaged
property to get the loan.</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; font-weight: bold; line-height: 100%;">Rate
Of Interest</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">Since
doctors come with a comparatively lower rate of interest, it gets
very easy to repay the loan in time. In most cases, you will find an
unsecured loan rate ranging from 14 to 16%. In case of secured loan,
this range varies from 8 to 9%.</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; font-weight: bold; line-height: 100%;">Bottom
Line</span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;">Pick
the right lender for your loan. With a suitable lender, you can
easily get loan approval and an attractive rate of interest. </span></div><div style="margin-bottom: 0.35cm;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%;"><span style="font-size: 12pt; color: rgb(0, 0, 0); font-family: "Times New Roman", serif; line-height: 100%; font-weight: bold;">Additional Read:</span> </span><span style="font-size: 10pt;"><a href="https://www.storeboard.com/blogs/business/know-how-to-improve-your-credit-score-to-opt-for-healthcare-finance/966903" style="font-size: 10pt; font-family: Arial; font-weight: bold;">Know How to Improve your Credit Score to Opt for Healthcare Finance</a></span></div><div>
</div>Term Loan Types One Should Knowhttps://all-about-finance.postach.io/post/term-loan-types-one-should-know2019-12-17T07:10:21.319000Z2019-08-26T07:00:11ZNaina Kapoor<div><div style="line-height: 1.38; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;"></div></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 8pt;"><span style="color: rgb(0, 0, 0); font-family: Calibri; line-height: 1.38;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/0f5829ad-ea71-4759-bc85-244694e91259/e751f573-58b3-460a-82c9-a90216393507.jpg" /><br /></span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 8pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">Short-term loans range from 1 to 2 years. It can be used as </span><font color="#0563c1" face="Calibri, sans-serif"><span style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; line-height: 1.38; text-decoration-style: initial; text-decoration-color: initial;"><b><u><a href="https://www.bajajfinserv.in/what-is-working-capital">working capital</a></u></b></span></font><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">, trade credits, bills of exchange, etc. These collateral-free advances come with a high rate of interest as they are spread over a short tenor. You can avail short-term finance to fund your immediate business requirement, like boosting working capital or make small purchases.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 8pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">Medium-term loans are the most sought-after financial products. These advances range between 2-5 years and are collateral-free. You can avail this type of </span><a href="https://www.bajajfinserv.in/business-loan" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; color: rgb(5, 99, 193); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; line-height: 1.38; text-decoration: underline;">business loan</a><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;"> from any reputed financial institutions and NBFCs to cater to diverse business requirements. It includes – investing in inventory, expanding an existing business to improve your firm's productivity and competitiveness.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 8pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">Long-term loans are secured that are spread over 5 to 20 years. These finances come with less stringent repayment terms. That is because you are required to pledge your asset as collateral; hence, if you default on payments, your lender has to option to liquidate your assets and recover the outstanding debts. The rate of interest for long-term advances is also lower than a medium or short-term loan.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 8pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; line-height: 1.38;">It is always recommended to check your eligibility criteria along with your income stability and repayment capacity before applying for any term loan.</span></div>
<div style="text-align: justify; margin-top: 0pt; margin-bottom: 8pt;"><span style="font-size: 12pt; white-space: pre-wrap; color: rgb(0, 0, 0); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; line-height: 1.38;">Additional Read: </span><a href="http://msnho.com/blog/aditiahuja/what-capital-business-guide-your-small-enterprise" style="font-size: 12pt; text-decoration-skip-ink: none; white-space: pre-wrap; color: rgb(17, 85, 204); font-family: Calibri, sans-serif; font-variant: normal; font-weight: bold; line-height: 1.38; text-decoration: underline;">What is Capital in Business? A Guide For your Small Enterprise</a></div>
<div><br /></div>
What Are The Top MS Courses in USA for Graduates?https://all-about-finance.postach.io/post/what-are-the-top-ms-courses-in-usa-for-graduates2019-12-17T07:10:21.236000Z2019-08-21T10:02:31ZNaina Kapoor<div>
</div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">The
</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">E</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">ducation
system in the USA is an open platform for anyone and everyone </span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">for
students throughout the World</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">.
</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">Many
</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">Graduates
usually opt for </span><a href="https://www.bajajfinserv.in/insights/your-complete-guide-to-post-graduate-courses-in-american-universities" style="font-size: 12pt; background: transparent;"></a><a href="https://www.bajajfinserv.in/insights/your-complete-guide-to-post-graduate-courses-in-american-universities" style="background-color: transparent; font-size: 12pt; color: rgb(0, 55, 156);">MS
courses in USA</a><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);"> </span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">as
a Post Graduate degree </span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">to
develop and grow in their career. </span>
</div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">If
you are planning to do the same, take a </span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">complete
guide to postgraduate courses in American universities</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">
and make the correct choice.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;"><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);"></span><br /></div>
<div style="margin-bottom: 0.35cm; text-align: justify;"><span style="color: rgb(0, 0, 0);"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/beb49c11-6f94-4827-a885-9ad615bc155b/21436e97-849e-409e-9c12-93277ac1cbcc.jpg" /></span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">Some
of the </span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">B</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">est
</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">O</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">ptions
for </span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">Y</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">ou</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0);">Opting
for an MS course in any of the following subjects will lead you to a
higher career path undoubtedly.</span></div><ul><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">Computer
</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">S</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">cience:</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0);">
It offers specialisations, including algorithms, artificial
intelligence, bioinformatics, computational geometry, computational
biology, computer architecture, data mining, computing, databases
and graphics. </span>
</div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">Management
</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">I</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">nformation
</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">S</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">ystems:</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0);">
This is ideal preparation for future IT managers, system and
business analysts. Additionally, it is beneficial for programmers in
banking, marketing and insurance. Courses under MS include database
marketing, digital business system, telecom management, project
management, systems development and decision support systems.</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">Game
</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">D</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">esign
and </span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">D</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">evelopment:</span><span style="background: transparent; font-size: 12pt; color: rgb(0, 0, 0);">
This course is mainly for students with extensive knowledge in
computer science. The core development and infrastructure would
provide them with a better insight.</span></div></li></ul><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">No
matter which MS course </span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">in
USA</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">
you opt for, it is imperative that you choose one of the </span><a href="https://www.bajajfinserv.in/insights/choose-the-best-american-universities-to-pursue-undergraduate-degree" style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">best
colleges in world</a><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">. Unless you seek knowledge from experts, it
wouldn’t be fruitful at the end.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">However,
the expenses could become a matter of concern. In case you are
worried about the financial burden, you can apply for an education
</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">loan
against property</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">.
Gather details about them to make a well-informed decision and seek
the ideal course.</span></div><div style="text-align: justify;">
</div><p style="margin-bottom: 0.35cm; text-align: justify;"></p><div style="text-align: justify;">
</div><div style="text-align: justify;">
</div><p style="text-align: justify;"></p><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0); font-weight: bold;">Additional
read:</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">
</span><a href="https://www.piczasso.com/what-are-the-top-10-ms-specialisations-to-study-ms-courses-in-usa/" style="font-size: 12pt; background: transparent;"></a><a href="https://www.piczasso.com/what-are-the-top-10-ms-specialisations-to-study-ms-courses-in-usa/" style="background-color: transparent; font-size: 12pt; color: rgb(0, 55, 156);">What
Are The Top 10 MS Specialisations To Study MS Courses in USA?</a></div><p style="margin-bottom: 0.35cm; text-align: justify;"></p><div style="text-align: justify;">
</div><div style="text-align: justify;">
</div><p style="text-align: justify;"></p><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0); font-style: italic;">Other
Related Articles:
</span><a href="https://sites.google.com/view/how-to-choose-the-best-college/" style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0); font-style: italic;">https://sites.google.com/view/how-to-choose-the-best-college/</a></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<a href="https://www.abcrnews.com/here-is-how-to-apply-in-top-colleges-of-the-world-in-2019/" style="font-size: 12pt; background: transparent;"></a><a href="https://www.abcrnews.com/here-is-how-to-apply-in-top-colleges-of-the-world-in-2019/" style="background-color: transparent; font-size: 12pt; font-style: italic; text-decoration: underline; color: rgb(0, 0, 0);">https://www.abcrnews.com/here-is-how-to-apply-in-top-colleges-of-the-world-in-2019/</a></div>Eligibility Guide For Applying Home Under Maharashtra Lottery Schemehttps://all-about-finance.postach.io/post/eligibility-guide-for-applying-home-under-maharashtra-lottery-scheme2019-12-17T07:10:20.524000Z2019-08-20T12:46:14ZNaina Kapoor<div>
</div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">The
Maharashtra Housing and Area Development Authority has rolled out
schemes that provide the residents of the state access to affordable
houses conveniently. The </span><span style="background: transparent; font-size: 12pt;">MHADA</span><span style="background: transparent; font-size: 12pt;">
lottery is one such housing scheme that offers over 1350 low-cost
residential properties to the eligible applicants based on their
income.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;"><span style="background: transparent; font-size: 12pt;"></span><br /></div>
<div style="margin-bottom: 0.35cm; text-align: justify;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/cf425e0e-2764-4bd3-8fb4-6a1fa28e102a/67ce69a1-40f9-4d05-b567-a3f50024554d.jpg" /></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">As
per the outcome of the </span><a href="https://www.bajajfinserv.in/insights/know-about-mhada-lottery-scheme-in-maharashtra" style="font-size: 12pt; background: transparent; color: rgb(0, 0, 255); font-family: Arial; font-variant: normal; text-decoration: underline;">maharashtra
lottery</a><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">
result, the authority will hand over 126 flats to LIG (low-income
group) applicants, 201 allotted to MIG (middle-income group) and 194
units to HIG (high-income group). Applicants can easily avail a </span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">home
loan</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">
to meet the financial requirements to purchase such affordable
housing solutions. It is similar to the RERA Maharashtra scheme, the
only difference being the basic eligibility criteria.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt; font-weight: bold;">Eligibility
Criteria For This Lottery Scheme</span></div><ol><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">Applicant
must be above 18 years of age</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">Applicant
should be a resident of Maharashtra </span>
</div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">PAN
card is needed</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">Applicant
must be a salaried professional</span></div></li></ol><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent;">Note
that, an individual cannot apply for the </span><span style="font-size: 12pt; background: transparent;">Maharashtra
Lottery scheme if he/she is already a beneficiary of any other </span><a href="https://www.bajajfinserv.in/insights/top-government-housing-schemes-in-india" style="font-size: 12pt; background: transparent;">Indian
government housing schemes</a><span style="font-size: 12pt; background: transparent;">. Eligible income slabs to avail this
scheme –</span></div><ul><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">Applicant
can apply for LIG flats if the monthly income is within Rs.
25000-50000.</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">Applicants
are eligible for MIG flats provided your monthly income is between
Rs. 50,001-75000.</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="background: transparent; font-size: 12pt;">If
the applicant’s monthly income is over Rs. 75000, he/she can apply
for HIG flats.</span></div></li></ul><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">This
is </span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">all
that you need to know of the MHADA lottery</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">
and the eligibility criteria to benefit from this scheme.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0); font-weight: bold;">Additional
Read</span><span style="font-size: 12pt; background: transparent; color: rgb(0, 0, 0);">:
</span><a href="https://www.losboquerones.com/what-is-maharashtra-housing-and-area-development-authority-lottery-scheme/" style="font-size: 12pt; background: transparent; color: rgb(0, 0, 255); font-family: Arial; font-variant: normal; text-decoration: underline;">What
is Maharashtra Housing and Area Development Authority Lottery Scheme?</a></div>How Can Small Business Avail Collateral-Free Business Loanshttps://all-about-finance.postach.io/post/how-can-small-business-avail-collateral-free-business-loans2019-12-17T07:10:19.630000Z2019-08-16T09:56:35ZNaina Kapoor<div><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">Small businesses in India often find it hard to get loans. And, on top of that, banks frequently demand collateral for these loans. This process becomes quite frustrating for the average small to medium business owners. But, now things seem to be changing for the good.</span></div></div>
<div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">These days, </span><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">the</span><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal; font-weight: bold;"> business loan interest rate in India </span><span style="line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-size: 12pt; font-variant: normal; white-space: pre-wrap;">is quite reasonable. Adding to that, the </span><a href="https://www.bajajfinserv.in/mudra-loan" style="line-height: 1.38; font-family: Arial; font-size: 12pt; font-variant: normal; font-weight: bold;">Mudra loan</a><span style="line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-size: 12pt; font-variant: normal; white-space: pre-wrap;"> launched by Prime Minister Narendra Modi in 2015 os like a blessing. It is designed for all micro-units in the non-agriculture sector. Under this scheme, applicants can get loans of up to Rs.10 Lakhs.</span></div>
<div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">People who are eligible for this loan are:</span></div><ul style="margin-top: 0; margin-bottom: 0;"><li dir="ltr" style="list-style-type: disc; font-size: 12pt; background-color: rgb(255, 255, 255); vertical-align: baseline; white-space: pre;"><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; color: rgb(28, 30, 41); font-family: Arial; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; line-height: 1.38;">Small manufacturing unit</span></div></li><li dir="ltr" style="list-style-type: disc; font-size: 12pt; background-color: rgb(255, 255, 255); vertical-align: baseline; white-space: pre;"><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; color: rgb(28, 30, 41); font-family: Arial; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; line-height: 1.38;">Shopkeepers</span></div></li><li dir="ltr" style="list-style-type: disc; font-size: 12pt; background-color: rgb(255, 255, 255); vertical-align: baseline; white-space: pre;"><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; color: rgb(28, 30, 41); font-family: Arial; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; line-height: 1.38;">Fruit and vegetable vendors</span></div></li><li dir="ltr" style="list-style-type: disc; font-size: 12pt; background-color: rgb(255, 255, 255); vertical-align: baseline; white-space: pre;"><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; color: rgb(28, 30, 41); font-family: Arial; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; line-height: 1.38;">Artisans</span></div></li></ul><div><br /></div>
<div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">The banks will categorize their clients in following 3 sectors, and the loan amounts will also depend on these 3 categories:</span></div><ul style="margin-top: 0; margin-bottom: 0;"><li dir="ltr" style="list-style-type: disc; font-size: 12pt; background-color: rgb(255, 255, 255); vertical-align: baseline; white-space: pre;"><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; color: rgb(28, 30, 41); font-family: Arial; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; line-height: 1.38;">Sishu. Loan amounts up to Rs. 50,000.</span></div></li><li dir="ltr" style="list-style-type: disc; font-size: 12pt; background-color: rgb(255, 255, 255); vertical-align: baseline; white-space: pre;"><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; color: rgb(28, 30, 41); font-family: Arial; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; line-height: 1.38;">Kishore. Loan amounts of Rs 50,000 to Rs 5 lakh.</span></div></li><li dir="ltr" style="list-style-type: disc; font-size: 12pt; background-color: rgb(255, 255, 255); vertical-align: baseline; white-space: pre;"><div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; background-color: rgb(255, 255, 255); white-space: pre-wrap; color: rgb(28, 30, 41); font-family: Arial; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; line-height: 1.38;">Tarun. Loans amounts range between Rs 5 lakh to Rs 10 lakh.</span></div></li></ul><div><br /></div>
<div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">Although these loans can be instrumental for any small business owner, the approval process for these loans are quite slow. This can be quite detrimental to those business owners who need the money fast.</span></div>
<div style="margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">To solve these fintech companies are disbursing short-term loans of 3-12 months. These loans are generally sanctioned within 72 hours. They use Aadhaar and eKYC regulations to achieve this. Plus these fintech </span><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal; font-weight: bold;"><a href="https://www.bajajfinserv.in/business-loan-fees-and-interest-rates">business loan interest rates in India</a> </span><span style="font-size: 12pt; white-space: pre-wrap; line-height: 1.38; color: rgb(28, 30, 41); font-family: Arial; font-variant: normal;">are quite reasonable. This entire process is online and seamless.</span></div>
<div><br /></div>
<div><b>Additional Read: </b><span style="font-size: 11pt; font-family: Calibri,Arial;"><a href="https://www.piczasso.com/types-of-term-loans-a-business-owner-should-know-about/">TYPES OF TERM LOANS A BUSINESS OWNER SHOULD KNOW ABOUT</a></span></div>
Know Here About The Tamil Nadu Housing Board Schemehttps://all-about-finance.postach.io/post/know-here-about-the-tamil-nadu-housing-board-scheme2019-12-17T07:10:20.236000Z2019-08-12T12:45:56ZNaina Kapoor<div>
</div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; background: transparent;">Tamil
Nadu housing scheme, an initiative by the Government of Tamil Nadu
came into effect from 1961. It was launched to cater to the high
demand of housing in this area. Individuals can avail subsidised home
loans under this </span><a href="https://www.bajajfinserv.in/insights/know-about-tnhb-tamil-nadu-housing-board-scheme" style="font-size: 12pt; background: transparent;">Tamil
Nadu Housing Board scheme</a><span style="font-size: 12pt; background: transparent;"> after meeting its eligibility criteria.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/8058fc27-c021-4fdd-977d-8658b7ffc62a/81beed00-fcce-472f-8563-d7da1a597655.jpg" /></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt; font-weight: bold;">Eligibility
</span><span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt; font-weight: bold;">C</span><span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt; font-weight: bold;">riteria</span></div><ul><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">Applicants
are required to be a native and permanent resident of Tamil Nadu</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">Applicants
should be above the age of 21 years. </span>
</div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">Applicants
should not have a house or plot purchased under any other government
housing schemes.</span></div></li></ul><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt; font-weight: bold;">Application
</span><span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt; font-weight: bold;">P</span><span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt; font-weight: bold;">rocess</span></div><ol><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">Secure
an application form for the scheme by approaching the Mofussil unit
or your concerned city division by paying a minimal fee. You can
also issue a demand draft under the name of the concerned executive
engineer.</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">Fill
the form appropriately with accurate details.</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">Along
with submitting the form for TNHB, you have to pay an amount of Rs.
2 Lakh to secure your chosen plot.</span></div></li></ol><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); font-size: 12pt; background: transparent;">The
payment process of this </span><a href="https://www.bajajfinserv.in/insights/top-government-housing-schemes-in-india" style="font-size: 12pt; background: transparent;"><font color="#00379c">affordable
housing scheme</font></a><span style="color: rgb(0, 0, 0); font-size: 12pt; background: transparent;"> is one of the essential </span><span style="color: rgb(0, 0, 0); font-size: 12pt; background: transparent;">things
you should know about Tamil Nadu Housing Board Scheme</span><span style="color: rgb(0, 0, 0); font-size: 12pt; background: transparent;">.</span></div><ul><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">You
are required to pay 10% of the total amount as an advance.</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">85%
of the amount needs to be paid in equated monthly instalments.</span></div></li><li><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); background: transparent; font-size: 12pt;">Remaining
5% has to be paid as and when the property gets transferred to you. </span>
</div></li></ul><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); font-size: 12pt; background: transparent;">The
Tamil Nadu Housing scheme also allows applicants to withdraw the
amount in case of cancelling the project. In such cases you can get
the amount refunded in your account. Prospetive homeowners may refer
to a </span><span style="color: rgb(0, 0, 0); font-size: 12pt; background: transparent;">home
loan</span><span style="color: rgb(0, 0, 0); font-size: 12pt; background: transparent;">
to fund the purchase. It is advisable to have such funds handy to
avoid any delay on the purchase of the allocated housing.</span></div><p style="margin-bottom: 0.35cm; text-align: justify;"></p><div>
</div><div>
</div><p></p>What Are The Best MBA Business Schools In The World?https://all-about-finance.postach.io/post/what-are-the-best-mba-business-schools-in-the-world2019-12-17T07:10:21.821000Z2019-08-09T13:22:10ZNaina Kapoor<div>
</div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt;">If you wish to study in the
best MBA business school, then look for them in the United States.
Only a few nations are comparable to the US when it comes to offering
world-class academia. Some of the </span><a href="https://www.bajajfinserv.in/insights/choose-the-best-american-universities-to-pursue-your-undergraduate-degree" style="font-size: 12pt;">best
colleges in the world</a><span style="font-size: 12pt;">
are here, offering a life-changing experience to every career
enthusiast.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;"><span style="font-size: 12pt; font-weight: bold;"></span><br /></div>
<div style="margin-bottom: 0.35cm; text-align: justify;"><b><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/93f3bdea-91c4-4f1b-adc9-c2189792329e/26af337d-8de0-4932-b8e9-52b2b7b17a33.jpg" /></b></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; font-weight: bold;">Some of The Best Colleges
For Business Management –</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; font-weight: bold;">Harvard University</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt;">This is the oldest institution
that is regarded highly for its reputation, academic pedigree and
influence across the world.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; font-weight: bold;">Massachusetts Institute of
Technology (MIT)</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt;">MIT comes with the motto "mind
in hand". Based on the ideology of problem-solving, this
institution has around 1,000 faculty members along with more than
11,000 undergraduate and graduate students.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; font-weight: bold;">University of Pennsylvania</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt;">This is a private Ivy League
university located in Philadelphia. Founded by Benjamin Franklin,
this university focuses on teaching students the practical skills to
make a living and do public good.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt; font-weight: bold;">Stanford University</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="font-size: 12pt;">Located in the heart of
Northern California, Stanford University has been the home to Google,
Yahoo, Hewlett-Packard and other leading tech companies of the world.
It has also been called the ‘billionaire factory’ as it houses
students who contribute immensely to the world’s economy.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<span style="color: rgb(0, 0, 0); font-size: 12pt;">You
can </span><span style="color: rgb(0, 0, 0); font-size: 12pt;">choose
these </span><a href="https://www.bajajfinserv.in/insights/choose-the-best-american-universities-to-pursue-undergraduate-degree" style="color: rgb(0, 0, 0); font-size: 12pt;">American
universities to pursue your undergraduate degree</a><span style="color: rgb(0, 0, 0); font-size: 12pt;">
in business management and administration. Oxford University,
Cambridge University and INSEAD are some of the other </span><span style="color: rgb(0, 0, 0); font-size: 12pt;">best
colleges in the world</span><span style="color: rgb(0, 0, 0); font-size: 12pt;">
to study business. As far as your education expenses are concerned,
avail mortgage loans to meet all associated costs and enjoy multiple
borrower-friendly features from top NBFCs in India.</span></div><div style="margin-bottom: 0.35cm; text-align: justify;">
Related Articles to read:</div><div style="margin-bottom: 0.35cm; text-align: justify;">
<a href="https://www.abcrnews.com/here-is-how-to-apply-in-top-colleges-of-the-world-in-2019/">Here
Is How To Apply In Top Colleges Of The World In 2019?</a></div><div style="margin-bottom: 0.35cm; text-align: justify;">
<a href="https://letsaskme.com/education/how-to-choose-the-best-biotechnology-colleges-in-india/">How
To Choose The Best Biotechnology Colleges In India?</a></div><div style="margin-bottom: 0.35cm; text-align: justify;"><br /></div><p style="margin-bottom: 0.35cm; text-align: justify;"></p><div>
</div><div>
</div><p></p><div style="margin-bottom: 0.35cm; font-variant: normal; text-align: justify;"><span style="font-variant: normal;">
</span><a href="https://all-about-finance.postach.io/post/best-tips-to-choose-the-best-colleges-in-the-world-for-higher-education" style="font-variant: normal; font-family: Arial; font-size: 12pt; color: rgb(0, 0, 0); font-weight: bold;">Best
Tips To Choose The Best Colleges In The World For Higher Education</a></div>Tips to Improve your CIBIL Score Before Taking a Home Loan for Engineershttps://all-about-finance.postach.io/post/tips-to-improve-your-cibil-score-before-taking-a-home-loan-for-engineers2019-12-17T07:10:21.543000Z2019-08-09T13:05:29ZNaina Kapoor<div><div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri, sans-serif; color: rgb(0, 0, 0); font-variant: normal; white-space: pre-wrap;"></span><br /></div></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="color: rgb(0, 0, 0); font-family: Calibri;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/b463733d-ac08-4ecd-b734-218df0d17e6e/adfb5f51-1759-490a-bb65-ad005675022e.png" /></span></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri, sans-serif; color: rgb(0, 0, 0); font-variant: normal; white-space: pre-wrap;">Owning a luxurious home is a dream of every individual. For working professionals like engineers, purchasing a home is made easy with home loans. However, for this, a good </span><a href="https://www.bajajfinserv.in/what-is-a-credit-score" style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #1155cc; background-color: #ffffff; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">credit score</a><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;"> is required. For engineers, before applying for a home loan, it is best to check their CIBIL score and if it is low, here are a few tips to improve before finally applying for a loan to purchase a dream home. </span></div>
<div><br /></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Multiple applications:</span><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;"> It is best to look for home loans available from different lenders in the market. Never apply for a loan from several lenders at a time as this reduces the score.</span></div>
<div><br /></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Repay dues:</span><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;"> Before applying for the home loan, it is best to repay all the due payments. This increases the </span><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-weight: bold; font-variant: normal; white-space: pre-wrap;">credit score</span><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;"> when EMIs are repaid. If the repayment of a loan or clears a credit in one spot, this score gets a boost. </span></div>
<div><br /></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Avoid using credit limits:</span><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;"> It is best to avoid using the full limit of the credit card. This boosts the score and rating.</span></div>
<div><br /></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Credit mix:</span><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;"> Mix the secured and unsecured loans as this pump up the score. An unsecured loan is given before any collateral security and secured loans are approved against some collateral. Thus, mix them so that credit bureaus better understand the credit usage and improve the rating. </span></div>
<div><br /></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;">As an engineer, when following such tips and tricks before applying for a home loan, CIBIL score gets boosted and home loan is approved from top banks or NBFCs available in the industry. </span></div>
<div><br /></div>
<div style="line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Additional Read:</span><span style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #000000; background-color: #ffffff; font-variant: normal; white-space: pre-wrap;"> </span><a href="https://topsitenet.com/article/221181-how-engineer-loan-is-great-funding-options-for-engineers/" style="line-height: 1.2; font-size: 12pt; font-family: Calibri,sans-serif; color: #1155cc; background-color: #ffffff; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">How Engineer Loan is Great Funding Options for Engineers</a></div>
<div><br /></div>
Direct Benefits of a Chartered Accountant Loanhttps://all-about-finance.postach.io/post/direct-benefits-of-a-chartered-accountant-loan2019-12-17T07:10:21.626000Z2019-08-09T12:54:07ZNaina Kapoor<div><div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-variant: normal; white-space: pre-wrap;"></span><br /></div></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><img src="https://cdn-images.postach.io/155077ec-6947-4c9a-9ccf-7d84a5836e4b/f0441d11-a9cc-4325-adcb-8ee5ba66663d/97f0a453-592c-4aa2-b353-14a0695faa9c.jpg" /></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="color: rgb(28, 30, 41); font-family: Arial; font-size: 12pt; white-space: pre-wrap;">Though personal loans are often enough to meet the immediate financial needs but, for professionals like Chartered Accountants, there is a choice for an exclusive CA Loan. In case, such professionals require funds for expanding their business or any other reasons, and chartered accountant loans have some direct benefits:</span></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="color: rgb(28, 30, 41); font-family: Arial; font-size: 12pt; white-space: pre-wrap;"><br /></span></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-weight: bold; font-variant: normal; white-space: pre-wrap;">1. Easily fulfill your expenses with a CA Loan:</span><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-variant: normal; white-space: pre-wrap;"> Whether it's a wedding-related expense or you just need to renovate your house, you can always opt for these loans as </span><a href="https://www.bajajfinserv.in/chartered-accountant-loan-fees-and-interest-rates" style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1155cc; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">CA loan interest rates</a><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-variant: normal; white-space: pre-wrap;"> are comparatively lower than that for personal loans.</span></div>
<div><br /></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-weight: bold; font-variant: normal; white-space: pre-wrap;">2. Tailored eligibility criteria and easy documentation: </span><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-variant: normal; white-space: pre-wrap;">If a CA is opting for a loan, then he must have an experience of at least 4 years and own an office or a house. The documents required are KYC related documents, certificate of practice, income tax returns and balance sheets, mortgage documents for collateral-based documents and photographs.</span></div>
<div><br /></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-weight: bold; font-variant: normal; white-space: pre-wrap;">3. Pay off other debts with low-interest CA loans:</span><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-variant: normal; white-space: pre-wrap;"> If you have other higher interest loans due to be paid, then you should better opt for a CA loan and consolidate various debts using one EMI because CA loan interest rates will normally be less than your other loans.</span></div>
<div><br /></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-weight: bold; font-variant: normal; white-space: pre-wrap;">4. Best for meeting your day-to-day expenses:</span><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-variant: normal; white-space: pre-wrap;"> The disbursed loan can be used for paying medical bills, enlarging your business capital, improving office infrastructure, etc. and that too without putting any extra strain on your normal budget.</span></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-variant: normal; white-space: pre-wrap;"> </span></div>
<div style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1c1e29; font-weight: bold; font-variant: normal; white-space: pre-wrap;">Additional Read: </span><a href="http://www.searchingurgaon.com/india/gurugram/news/step-by-step-guide-on-how-to-start-a-ca-firm-3100" style="line-height: 1.38; font-size: 12pt; font-family: Arial; color: #1155cc; font-weight: bold; font-variant: normal; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; white-space: pre-wrap; text-decoration: underline;">Step by Step Guide on How to Start a CA Firm</a></div>
<div><br /></div>