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HDFC Personal Loan Interest Rate A personal loan is an unsecured loan, meaning you don’t have to pledge collateral in order to avail the loan. The main advantage of a personal loan is that the end use of the loan could be anything. It could range from funding your child’s higher education or wedding or even your dream vacation, to a medical emergency, or for any business-related expenses. It could be used as an excellent debt consolidation tool since its i

What Is the Best Credit Card for Business Travel In 2017? A credit card is a traveller’s best (money) friend – it is safe, easy to use, accepted in millions of establishments worldwide, and helps you travel with one less worry as you are free from anxiety of carrying cash around with you. Credit cards that are targeted at the business traveler can be very attractive in terms of the perks and rewards they offer. So which is the best credit card? The

As the leading public sector bank in India, SBI offers a wide range of personal loan facilities to help customers meet their emergency cash requirements.

What Is a Personal Loan? A personal loan is an ‘unsecured’ loan, which means you do not require any guarantor or collateral in order to avail the loan. A personal loan could come in handy in times of a financial crisis like a medical emergency, loss of job, or it could be used to take a luxurious vacation, or fund a child’s wedding or studies. However, it is important to note that personal loans are among the most expensive loans. They come with the

Perusing the Union Budget in detail is certainly not everyone’s cup of tea.  However, if you want to discuss this year’s budget over a cup of tea, here is a ready reference for your conversation!  To get to speed on the 2017 Budget, read below for a quick and easy-to-digest analysis of the main aspects of this year’s budget.  Some general highlights include the fact that the Rail and Union budgets were combined for the first time. The total bu

Want to know how the Union Budget 2017 affects you, but haven’t had the time or inclination to plough through all the details? Not to worry – below is a quick summary on the specific provisions of this year’s budget that affect you and your pocket. Income Tax – how do the new provisions affect you?   – If your total annual income is between Rs 2.5 - 5 lakhs, your tax rate is halved from 10% to 5%.  

What is a Zero Percent Credit Card?What exactly is a zero percent credit card? Does it mean you do not ever have to pay interest on your balance? (The answer is NO!) Though not yet a very common offer in India, zero percent credit cards are available and could be a useful way of consolidating your credit card debt.  Credit card interest rates are among the highest consumer interest rates. While a zero percent card might sound attractive, there is a big red flag

Student Credit Cards in IndiaYour student years are typically cash-short years! There are few students who are never in need of credit – whether to the tea stall or to the Xerox shop or even to a friend! In order to help students cover their expenses during their college years, banks in India also offer innovative products like Student credit cards to help student manage their expenses on their own during their graduation years. These cards are issued only to s

Rewards Credit Card:What is a rewards credit card? It is simply one that rewards you for spending money on it! In effect it is rewarding you for making purchases on the card. A credit card is in any case an easy and convenient way to pay for your purchases over a period of time. Any purchase made with a credit card is on borrowed money and you need to pay it back at the end of every billing cycle. In order to maintain a clean credit history, make sure you pay your bi

What Is a Retail Credit Card?A retail credit card is one that rewards you for spending at retail establishments. There are a variety of retail credit cards to choose from, depending on your spending pattern and the kind of stores that you usually shop at. Some cards offer cash back, reward points, air miles and other benefits. These points can be redeemed for various exciting premium merchandise, flight tickets, discounts, etc. A retail card rewards you for shopping

Prepaid Cards for International Travel Here you are looking forward to a new exotic holiday destination! But even as you enjoy the sights and sounds of Bali, Venice or London one fear keeps nagging at you all the time – the cash that you are carrying around in your wallet for expenses.  That constant worry is an unwelcome travel companion on your visits abroad and cuts into your holiday experience. Want to get rid of this unwanted excess baggage of worry? &

No Annual Fee Credit CardYou enjoy the freedom and convenience of your credit card. Who doesn’t love the privileges, rebates, discounts not to mention the luxury of buying on credit every month. But, perhaps, you don’t love the various fees you need to pay for your card! While you might get a free lunch at a partner outlet as part of your rewards programme, you might be paying for it in terms of very heavy annual fees! Look no further – here are a f

International Debit Cards: Most of us take our debit card for granted as an easy and convenient way of making payments. But here’s one more advantage…….did you know that debit cards can be used internationally? Well, yes! You can easily make your handy debit card your travel companion and save yourself the hassle of exchanging your cash for other currencies. No more trying to figure out the best exchange rate the minute you land, or running low on

Tips on Using an Income Tax Calculator In life only two things are certain – death and taxes, goes the saying! Since paying taxes is such a certainty, and civic duty, it is good to make sure that you calculate and pay them correctly. In India, the Income Tax department is responsible for all activities related to tax process. It is under the supervision of the Central Board of Direct Taxes (CBDT) which is in turn under the Ministry of Finance. The provisions gov

Debit Cards Vs Credit CardsMany people probably have at least one debit card and one credit card in their wallet. But do you know what the differences are and how they affect your pocket? Do you use both interchangeably? The conveniences they offer are unbeatable in many instances, but they have important differences that could substantially affect your bank balance. Read on to know the differences between a credit card and a debit card.How do credit

Debit Cards for StudentsBeing in college is fun and exciting and a great new experience! However, it also means certain new responsibilities and many students enjoy the thrill of being in charge of their finances for the first time. Perhaps you have moved away from home to a hostel in another city, and need to manage your finances on your own for the first time – from paying your monthly chaiwala bill to buying text books or your ticket back home. Or p

Reasons for Debit Cards for Shopping Who doesn’t love shopping?! But are you also one of those shoppers who has wanted to buy something but not carried enough cash with you? Or worse, had their credit card payment rejected?  Do you dislike carrying wads of cash with you all the time, or worried about overspending on your credit card? Well, you needn’t bother about those as long as you got your little plastic friend – Welcome to the world of debi

Debit Cards for RestaurantsWho doesn’t enjoy going out for a meal at a restaurant? Are you one among those who love to dine out? If so, then do you also find that your love for dining out is creating a rather large dent in your pocket?! Well, time to look up which restaurants and cafes your bank has partnered with to offer discounts on your debit card. Getting a good deal on your favorite

Debit Cards for Online Shopping: What’s not to like about a debit card? Debit cards offer several advantages that cheque and cash simply don’t have. They offer the convenience of making payment by just swiping the card at merchant outlets, saving you from carrying thick wads of cash, especially if you are making a large purchase. Unlike a credit card, you cannot fall into debt with a debit card since you can only spend what is available in your bank accoun

Debit card movie offersWho doesn’t love offers on movies! With blockbuster movie releases almost every week, it is tempting to be rewarded for purchasing movie tickets! Do you buy tickets on Bookmyshow.com? Then here are some of the offers available on various debit cards when buying tickets on the BookMyShow website.ICICI Debit Card Offer:Buy one get one free offer: When you make a ticket booking on the website using your &nb

Debit Cards for FuelA debit card is a convenient and easy-to-manage way of making transactions with the added benefit that you can never fall into debt by using it. Unlike a credit card, you can only spend the amount that is in your account.  However, like a credit card, you can also earn reward points, enjoy cashback and discounts on various spending categories like dining, travel and entertainment. Most banks also offer free insurance coverage, like accidental