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What To Look For In Education Loan?

You might have heard many people say that higher education is left for upper and upper middle class, people, especially when we take into account expensive courses like management, flying, etc. It is because the cost of education has sky-rocketed in the recent past and is expected to rise..[Read]

How To Pick Travel Insurance For Students Going Abroad? 8 Agents Tricks To Make You Pay [More]

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You can now ask financial queries to our experts and get detailed consultation. Our consultants will assist you in applying for a new product as well as on any problem with your existing product.

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User Reviews

Axis Bank - A wonderful bank

Excellent. I had relationship with Axis bank when it was uti. But when they changed frm uti to axis i thought their staff and customer service priorities will change, but they seem to improve even mor... [Read]

HDFC Bank personal loan- please reduce rates

hdfc bank people make you feel very special when you go to take a loan. Its nice o feel better but afterwards the increase in the interest rate and subsequent emi spoils the mood. pl pass on the benefit... [Read]

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Expert Reviews of popular products

Punjab National Bank Education loans

With the strong presence in all arenas of advances including personal, social, MSME, agriculture and corporate banking, it is a steadily growing bank in terms of branch network, business and various other parameters. Punjab National Bank, which started its operations in 1895, provides education loan under the loan name Vidyalakshyapurti. Its education loans are being...[Read]

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Case Studies

Is buying a home or property a good investment

Prakash has bought a flat worth Rs 50 lakh with a loan of Rs 40 lakh at 12 per cent interest per annum for 10 years. He is earning a rental income of Rs 15,000 per month by subletting the flat, on the maintenance of which he spends Rs 2,000 per month. Taking this as an investment in property...[Read]

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Finance basics

Rupeetalk helps you understand personal finance better so that you can make the right financial decision for yourself. There are many jargons and terms which are difficult for a common man to understand and taking benefit of this, agents and sales persons dupe them. "Finance basics" enables you with guides, tips, glossaries, FAQs and 5 point guides so that you make the right choice.

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Home Loan Guide

Documents required for home loan

The following documents are usually required to be submitted to a bank or housing finance institution for availing a home loan : Loan application form along with your recent photograph Identity proof (any of the below)...

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Home Loan Tips

Controlling your home loan EMI

A lot of people are borrowing today to create various assets. Home loan is a very important component of the overall financial security of a person and his family, and due to this reason a lot of calculation needs to be done before a decision is .....

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Personal Loan Guide

When should you take a personal loan?

The interest rate on personal loan is high and is second only credit card cash advance. In order to avoid paying such high interest, you can consider loan against security or gold loans....

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Personal Loan Tips

How much personal loan should you take

Assess the amount your loan requirement and then decide the amount of loan you need. Do not borrow more than you need just because your bank is providing you with it.....

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Credit Card Guide

Credit card and statement explained

Ok, now you use your credit card all month long and have received a statement from the bank. You are unable to understand some terms on the credit card statement. This often happens to first-time card users......

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Credit Card Tips

Credit cards- Interest free EMI option

Interest free EMI ensures that the total amount to be paid before the use of the EMI and the amount paid after using the EMI facility are same. There is no interest cost incurred and if there is any interest cost incurred in the scheme......

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Loan Against Property Guide

Amounts of the loan

Amounts of loan vary with banks or financial institutions. The lending institutions have a limit regarding the minimum amount as well as the maximum amount that they will give as a loan against property. This is to ensure that their internal conditions are met...

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Loan Against Property Tips

Disadvantages of loan against property

Just taking a loan against property is not the end of the matter because there are several conditions that need to be fulfilled along with the loan......

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Fixed Deposit Guide

Documents required for a fixed deposit

While taking a fixed deposit you have to comply with the regulations related to the Know Your Client (KYC) guidelines that are applicable to banks. The bank has to be sure that there is an adequate check made for the client...

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Fixed Deposit Tips

Tax deduction on fixed deposits

There is the presence of tax deducted at source (TDS) as far as fixed deposits are concerned. When income earned in a year crosses a certain figure, there will be a tax deducted at source and the net amount will be received by the investor....

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Mutual Fund Guide

How to know the performance of a mutual fund scheme?

The performance of a scheme is reflected in its net asset value (NAV) which is disclosed on daily basis in case of open-ended schemes and on weekly basis in case of close-ended schemes. The NAVs of mutual funds are required...

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Mutual Fund Tips

If mutual fund scheme is wound up what happens to money invested

In case of winding up of a scheme, the mutual funds pay a sum based on prevailing NAV after adjustment of expenses. Unit holders are entitled to receive a report on winding up...

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Mutual Fund FAQs

Business Loan Guide

Security and margin

There is also the question of security that is provided by a borrower when a term loan is taken. This has to be done in several layers in order to satisfy the banks that there is enough backup for them in case the borrower fails to repay the loan....

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Business Loan Tips

Basis for term loans

There is a requirement of funds for every business, and it is the effort of all the people involved in a business that can get the best terms possible for the borrowings. This will mean a lower rate of interest on the amount borrowed plus a higher amount of loan from the bank....

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Business Loan FAQs

Tax Guide

How to file tax return

The Income Tax Act specifies that every taxpayer has to file a return regarding the payment of his/her taxes with the IT department. An individual has to file a return by the 31st of July for a financial year ended 31st March....

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Tax Tips

A salary structure that can save you taxes

As must be clear by now, drawing a straightforward salary will result in the maximum tax liability for an individual. To save taxes, it is important to factor in other components of compensation which might help in saving taxes....

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Home Loan

A Home loan is an easy way to fulfill your dream of owning a house. If you are new to the world of home loans, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about home loans.

Home loan interest rate comparison here Home loan EMI and prepayment calculator here User reviews on home loan banks here Home loan guides and tips here Expert reviews on home loans here Articles on home loans here Case studies on home loans here Home loan terms glossary here Latest news on home loans here

Personal loan:

A Personal loan is a convenient way to meet short term cash expenses like a marriage in the family, an overseas vacation etc. If you are new to the world of personal loans, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about personal loans.

Personal loan interest rate comparison here Personal loan EMI and prepayment calculator here User reviews on personal loan banks here Personal loan guides and tips here Expert reviews on personal loans here Articles on personal loans here Personal loan terms glossary here Latest news on personal loans here

Credit card

A credit card has nowadays become a neccessity rather than a luxury. Credit cards provide multiple benefits such as free credit, reward points, convenience, online shopping etc. If you are new to the world of credit cards, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about credit cards.

Credit card interest rate comparison here User reviews on credit card banks here Credit card guides and tips here Expert reviews on credit cards here Articles on credit cards here Case studies on credit cards here Credit card terms glossary here Latest news on credit cards here

Stocks

Keep yourself updated on the stock market and learn all about demat accounts in India. If you are new to the world of stocks, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about stocks.

Compare various demat accounts here User reviews on demat accounts here Articles on demat accounts here Articles on investments here Investment related case studies here Future value calculator here Latest news on stocks here
Articles

ELSS- A tax saving Investment Avenue!

There are various tax saving avenues under section 80C of the Income Tax Act. Most of them are apt for risk averse investors who are looking for investment in safe products. But for investors looking for equity exposure, the only two instruments available include ULIPs and ELSS. Here is a brief on ELSS... [Read]

Investing in Equity Mutual Funds

Investors with a risk appetite look at equity as an asset class to invest in. Investing in equity requires understanding of the market and also takes up a lot of your time, if you were to do the investments by yourself. Given that, investing is not what earns you your bread and butter... [Read]

 
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