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While buying ULIPs, what many people do not know is that they have an option of managing their investments and make sure that it yields maximum returns. Generally, ULIP invests your money either in share market, known as market-linked instrument; or in bonds and other fixed income securities, known as debt instruments...[Read]
Home Loan Calculator
Find out your home load eligibility, EMI and loan to value ratio from various banks. Also get indepth analysis of pre-payment and balance transfer
Visit the Home Loan Calculator and download the spreadsheets
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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]
It is said that the parents are the first teacher of the child. You have to run behind your little son or daughter to get them to sit still and learn as they desist from learning things! But along with teaching your child daily etiquette, educational subjects and other things, you need to teach him/her the importance of money and saving....[Read]
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.
Home Loan Guide
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)...
Home Loan Tips
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 .....
Personal Loan Guide
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....
Personal Loan Tips
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.....
Credit Card Guide
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......
Credit Card Tips
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......
Loan Against Property Guide
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...
Loan Against Property Tips
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......
Fixed Deposit Guide
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...
Fixed Deposit Tips
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....
Mutual Fund Guide
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...
Mutual Fund Tips
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...
Business Loan Guide
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....
Business Loan Tips
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....
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....
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....
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]
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]