Home Loans, Credit Cards, Personal Loans, Life Insurance, Health Insurance, Stocks, Car Loan, Income Tax, Fixed Deposits in India - Compare and apply online.

Rupeetalk Featured

How To Pick Travel Insurance For Students Going Abroad?

Travel is one of the most joyous activities but even a carefully planned trip prove headache with unforeseen circumstances. This is where travel insurance pitches in to make your trip memorable and enjoyable..[Read]

Switch Before It Is Too Late Health Insurance Must For Students Going Abroad [More]

Product Reviews| Articles |Case Studies

* Customer name:
* Email:
* Your Post
* Please type the verification code:

Give your contact details, our advisor will get in touch with you.
* Customer name:
* Mobile:
* Email:
* City:
* Your Post
* Please type the verification code:

Latest Forum Discussion

  • Home Loan

    Topic : Where can I get loan against power of attorney

    Comments :

    my friend got a mortgage loan from a nationalised bank, pledging her property. since her age is 55and the income is low to get a higher amount of loan, the bank considered her son in law as the applicant who has a high income. Now my friend is the co-applicant and she is repaying the loan through her bank account. Will there be any legal problem on the ownership of her property?-Guest

    As she is already paying the EMI and the loan has been pledged with her property, so, there won't be any legal issues as long as she keep on paying the EMI in time. But if she defaults on payment, the bank has the right to auction the property and get their dues paid. - Shwetabh

    how can get loan against my agricultural lands and my pomis deposits. -Guest

    You can read a lot of articles and understand clearly about Loan against Property at Loan Against Property. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you. - Shwetabh

    Banks are unlikely to provide loans against property on power of attorney. -Guest

    View ForumPost

  • Health insurance

    Topic : Tata-Aig forcibly sold me health insurance on credit card

    Comments :

    I was getting calls from TATA-AIG sales people from last 4 to 5 months telling me to take up a health policy but i always refused. Now on 03/12/09 i received message from ICICI Bank as on my registered mobile no 9810237299 that transaction of Rs 10224 has been made. But i have never requested for any policy from TATA-AIG.
    I immediately contacted customer care dept. of bank who blocked my card upon my complaint and they have also issued new card to me, but a lien has been marked on my card for the amount and now it is confirmed by bank that they resolved it by March 2010
    So i request you to look into the case and let me know what i can do as TATA AIG has done nothing till date and i have not received any policy from them till now and iam still getting calls from them to take a health policy. - Anil Alfred

    Hello, Sarah is here
    I'm looking forward for a good time.

    SK - SarahrenUnloaseDor

    View ForumPost

  • Personal Loan

    Topic : Personal Loan Eligibility

    Comments :

    I am in a financial trap due to long overdue of credit card payments. i would like to get it cleared the same. i am a salaried person. Rs. 16889 p.m. after all deductions. i have a personal loan from HSBC and a repayment of 7645 p.m. can you help me to out of the credit cards payment through a personal loan or some other top up loans. - Guest

    Since you have defaulted on your past payments, it won't be easy for you to secure another loan. You can negotiate with your credit card provider/bank and ask them to club all your dues together and treat them as a single loan. -Shwetabh

    Actually I am engaged in various banks personal loan, for which I feel very difficult to pay EMI on diff dates. I also need to club this entire loan and make it as a one installment on any fix date.So therefore request you to help and suggest me solving this problem.Also my monthly net earning is 12,500/-My loan details and EMI for the same is as below:- BANKSLOAN AmtE.M.IHDFC2,50,0008, 833HSBC72,0001,932FULLERTON72, 0002, 942GE MONEY 46,0002,942 SYNDICATE BANK9, 40,0008,500 Total13,80, 00025,149 It's a humble request and also hoping to get a favorable reply from your end.- Guest

    Since you have taken a number of personal loans, it will complicate your payment history if you miss any instalment. You can talk to one of your banks and request for a personal loan which will pay off all the other personal loan dues. However, the sanction will depend upon your income capacity. You can compare and apply for a personal loan at here. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you.- Shwetabh

    I require 9 lacs study loan for repayment for 5 years. I am employed as a sailor - Guest

    You can approach any of the banks providing education loan. They can consider your application depending upon the course details and other documents. Education loan up to Rs 10 lakh is allowed for study in India and Rs 20 lakh for study in abroad. - Shwetabh

    I am planning to pursue my MBA degree from US.Now any top US school charge around 30-40 Lakh INR. What is the best source to get this amount of loan.What are the pre requisites and what kind of collateral may be required? - Guest

    Banks are the best source to get an education loan. Since the loan amount is high, a bank would require collaterals in the form of fixed deposits, property, and similar other investments. In India, banks forego collaterals for education loans up to Rs 4 lakh. The maximum education loan amount available to study abroad is Rs 20 lakh. Other pre-requisites are application forms, letters of admission and a yearwise course breakup from the institute, marksheets, income documents of the parents. - Shwetabh

    I would like to take a personnel loan where my other loans can be taken over and i will have just one bank transaction, please help - Guest

    If you have not defaulted on any of your previous loans, you can get a personal loan from banks depending on your current income level. As per bank rules, you would be eligible for a personal loan with an EMI in the range of 35%-65% of your total monthly salary. And if you have defaulted on any of your earlier payments, then it won't be easy for you to get a loan as your name might have entered CIBIL list. You can negotiate with your current loan providers and ask them to consolidate all loans into one or refinance them. - Shwetabh

    I have peronnel loan from different bank and i am paying a monthly repayment all together Rs. 1,34,000/- and in one loan from ABN Amro is charges are more and I want to preclose the loan, they are telling me a preclousure charges of 5% which is very high any chances of reducing preclosing charges and how? - Guest

    In case of personal loan, almost all banks have the provision to charge high prepayment penalty in case of prepayment or transfer of loan. So, under the clause on which you have signed also while taking the loan, this is binding on all. Nothing much can be done in this regard. - Shwetabh

    View ForumPost

  • Education Loan

    Topic : Education loan procedures

    Comments :

    Education loan for MBA
    I want to avail education loan for my son who is pursuing MBA. What's the procudure. -Suresh

    I am in need of Education loan to the extent of Rs.10.00 lacs to get my son / daughters admission in one of the reputed international schools for the course I D B P duration 2 years at delhi. the school is recognised at the international level /Govt. of India / Association of indian universities. kindly do help me to get my problem solved immediately. Thankyou.-Muzaffar

    You can compare and apply for a personal loan at here. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you. - Shwetabh

    hi sir i am harish from anantapur,i am studying b.tech 2nd year my dad is private employee , but my family have the propety my family want the loan because studies me and my brother.-Guest

    You can get an education loan for your further studies. In India, no collateral is required for an education loan up to Rs 4 lakh. However, for a loan above Rs 4 lakh, some collateral is required. Here, you can use your house as collateral. You can approach any bank for an education loan.-Shwetabh

    Tired of paying interest on student loans every month, afraid of the deadline of paying back loans? There is a solution for all your tensions called Student Loan Consolidation. In student loan consolidation, a student may enjoy many benefits of student loan. - cyrildon

    i would like an education loan for 12 lakh but my credit is not that good what aremy chances of getting an education loan or is a third party gaurantee needed please advice. -Nitesh

    If your credit is not so good and a bank rejects you a loan then in that case you can take an education loan by mortgaging your property.
    Choose the Education Loans that suite you here - Naresh

    View ForumPost

  • Life insurance

    Topic : Is ULIP a Good Investment Plan

    Comments :

    I'm 32 yrs old and I'm planning to invest in a policy like ICICI prudential with my childs future in mind who is now 1 year old. I wanted to encash the policy only after 20 yrs or so. Pls suggest if I can go for Ulip or Traditional.- Guest

    ULIP involves high initial charges and provides low insurance cover. You can consider buying a traditional term plan and invest the remaining amount in other investment schemes such as PPF, Mutual Fund, Fixed Deposits, etc. You can compare and apply for a term plan at here. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you. -Shwetabh

    is kotak life insurance a better company for a ulip plan.- Guest

    Ulip is a costly investment product with a number of charges. The different types and amount of charges can affect your net investment amount. However, if you are looking to remain invested for a longer period, say 10-20 years, a ulip can be considered, especially after the recent regulator cap on charges or else stick to good diversified mutual funds. You have not mentioned any particular scheme of Kotak Life Insurance, so we cannot compare it with other plans in the market. Moreover, a company performance cannot be based upon that of a single plan.-Shwetabh

    i have lic market plus ulip, till 3 years i paid,can i continue this plan?is it performing well?pl suggest me ur opinion.thanks n regards -Guest

    Ulips are costly products as they involve high transaction charges. However, all ulips would be redesigned from Jan. 01, 2010 so as to comply with the IRDA prescribed limit of maximum charges. As per current regulations, insurance companies can charge up to 3 per cent (gross of mortality charges) on gross yield for ulips with a term of 10 years and 2.25 per cent on ulips with a term over 10 years. So, LIC Market Plus will also be redesigned accordingly. You stay invested in it. -Shwetabh

    How is the ICICI prudential Assured Life ULIP plan? In mumbai one of the executives offered me the plan saying if done within this month I would get an assured bonux of 140% on the first premium. Are the withdrawls in ULIP exempt from Tax? -Guest

    ICICI Prulife Assure Wealth provides a guaranteed addition of 120-180 per cent of one annual premium at the end of the 15th year. There is no time frame for it. One can invest anytime. Withdrawals from a normal ulip plan after 3 policy years are tax free in the hands of investors -Shwetabh

    please suggest ulip life insurance plan with low chargesPankaj Attarde -Guest

    You can compare and apply for a ULIP product at here You can also call us on 09920016645 or give us your number so that our executive can get in touch with you. - Shwetabh

    Hi i am plan to invest Rs 1000-2000 PM for my childrens(one boy baby 2 years old) futre . I plan to invest in ULIP(so i will get some TAX savings). Could you suggest any ULIP? - Guest

    There are many children plans that are available in the market. You can compare and apply for one at here. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you. - Shwetabh

    View ForumPost

  • Credit card

    Topic : My name is listed in Cibil

    Comments :

    My name is listed in CIBIL due to unpaid credit card bills it has been 2 years now . I would like to clear up all the debt`s now and pay off all the credit card bills. I would like to understand that rather doing a settlement with the banks if i pay up all there bills would still my name be reflected in CIBIL or now is it good for me to do a settelement with the bank what would be a wise decision
    . Secondly if i do a settlement would it be possible for me to take secured and unsecured loans in the future
    . Thirdly would like to know what steps should I take to improve my credit rating`s . Please do help me in the above mentioned matters it would be a great help . Below mentioned are the details to get in touch with me . - Vinay Sarda

    I have taken credit cards from some banks in 2004. I have settled payments of all credit cards in Fev 2007.
    That time I feel that every thing is over.3 bank ke card 2006
    In last year while I have applied for loan. Banks have rejected my application saying your name is appearing in Cibil report.
    After that I have done communication with all those banks. Now I have received NOC from all banks.
    what is the way out to take away my name from that Cibil report. - Kishore

    I have settled the Rs 14,000 dues with Standard Chartered Bank on credit card. Banks says within 15 days my name will be remove from CIBIL list. But after one month my name is remain same in CIBIL list. What should I do?-Mukesh

    I have settled the Rs 14,000 dues with Standard Chartered Bank on credit card. Banks says within 15 days my name will be remove from CIBIL list. But after one month my name is remain same in CIBIL list. What should I do? -Robinson

    I have settled all my dues with multiple banks and cleared all my loans , still i m not able to apply for any credit card because of bad cibil score, more than four months over i cleared my loans.....please advice - Kamlesh

    Sanjay Tiwari, Mumbai I have settle the Rs 14,000 dues. With Standard Chartered Bank on credit card. Banks says within 15 days my name will be remove from cibil list. But after one month my name is remain same in cibil list. What I do? -Sanjay Tiwari

    View ForumPost

Call us on 1800 180 7575
(Mon - Sat 10 AM to 5.30 PM)
SMS 'rupee' to 56070

or submit your details here

Videos

Our experts advising customers on TV

  • Huge outstanding on his Credit card and how should he go about, with so many loans as he is not able to do any savings

  • Investment of Rs. 1 lakh for a long term. Our expert advises as to which investment would give good returns.

  • Child plan, the right way. Our expert addressing the issues of a common man who wants to invest in a child plan (Insurance).

  • Rupeetalk.com's expert addressing the issues of a common man who wants to check his CIBIL records.

  • Credit card fraud - steps to take when a Credit Card is used without owner's knowledge.

  • Our expert giving excellent solution to loan queries and how one can tackle them in order to achieve complete peace of mind.

Downloads

How to grow your money

Investment and money management is not rocket science. Download this presentation to learn how and where to invest your money to have safe and high returns

Download Presentation

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

Recommend me a product

  • Select Product
  • Loan Type
  • Loan Amount
  •  
    Rs. 
  • Tenure
  •  
     years

Product Reviews : Expert reviews and ratings

Top rated products

Ask the expert

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.

Personal Finance 360º

User Reviews

Unexpected bills

HDFC Silver Credit Card Review
I dont know why they have been charging me so much. I get enormous bill amounts. Sometimes because of this i am not able to pay my bill ... [Read]

cholamandalam is the new name in the health insurance

Health Shield Online Review
cholamandalam is the new name in the health insurance field atleast for me but i am vcery happy with the product. the premium is low and the features r more.... [Read]

More Reviews on

Credit Card | Home Loan | Personal Loan | Life Insurance
Health insurance | Car Loan | Demat Accounts

Expert Reviews of popular products

Canara Bank Education Loan

A century old Canara Bank has 3253 domestic branches, 8 foreign branches and 2216 ATMs. The bank was awarded as the Best Bank of South Zone in 2009. The bank is inclined towards providing education loans to meritorious students under the scheme known as 'Vidyasagar' with lesser processing time....[Read]

Read all product reviews

Case Studies

How To Get Rid OF Debt And Plan For A Goal

Problems don't come in installments. Just when Sumit, 27, a software professional having 5 years of experience behind him, would have dreaming of his married life in about years' time, learnt the hard realty when bank rejected his personal loan application on grounds of poor financial history. Obviously dejected about what went wrong and puzzled somewhat thinking...[Read]

More case studies

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.

Home
loan

Personal
loan

Credit
Card

Life
Insurance

Health
Insurance

LoanAgainst
Property

Fixed
Deposit

Mutual
Fund

Business
loan

Tax

Home Loan Guide

Home loan eligibility criteria

Banks calculate the amount they can give to you primarily on your net monthly earnings. They take into account their previous experiences and your current track record which would indicate whether you have taken any other loan or you have had a bad credit history...

More from home loan guide

Home Loan Tips

Fixed vs Floating interest rate Home loan

There are two interest payment options you can choose from when applying for a home loan - fixed rate and floating rate. Find out which one is applicable in your case.....

More from home loan tips

Personal Loan Guide

Documents required for Personal loan

You need to provide proofs of your age, identity, residence address and income documents. The details of documents that you may require to produce are given below:...

More from personal loan guide

Personal Loan Tips

How to get best personal loan interest rate

Personal loan interest rates are decided on the basis of certain points. Find out the simple ways with which you select best interest loan rate on which you can take personal loan.....

More from personal loan tips

Credit Card Guide

Advantages and Disadvantages of Credit Cards

The major benefit of a credit card is that the individual using it does not require ready cash to make payments for various purchases. Several other important benefits are listed out in details below...

More from credit card guide

Credit Card Tips

Common issues with credit cards

There are several problems related to credit cards. Many of these can catch a person on the wrong foot and the consequences can be risky in financial terms. Let's find out the cases that require considerable amount of time to resolve......

More from credit card tips

Life Insurance Guide

What is life insurance?

Let's begin by talking about life insurance. Life insurance is essentially an agreement wherein the insurance company agrees to pay a specified amount of money to an individual's dependants in the event of his/her death....

More from life insurance guide

Life Insurance Tips

Ways to smarter life insurance planning

Insurance is a very vital part of the overall financial plan for any individual. Ensuring that there is the right amount of insurance is important for the achievement of several financial objectives....

More from life insurance tips

Health Insurance Guide

Health insurance claim settlement

Most insurance companies appoint a Third Party Administrator (TPA) for the purpose of claim settlement. This means that after buying the policy, TPA becomes your point of contact for any claim settlement....

More from Health insurance guide

Health Insurance Tips

Health benefit rider in Life insurance

Health insurance covers your hospitalisation needs while a life insurance product is for the financial security of your family in case of an untimely death. Besides, the riders such as critical illness policy are a benefit only policy...

More from Health insurance tips

Loan Against Property Guide

Loan structuring

Various banks have been innovative in their offers of a loan against property. In the traditional sense, loan against property only represents a loan that will be available with the property as a security for the loan....

More from Loan Against Property guide

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......

More from Loan Against Property tips

Fixed Deposit Guide

Basic features of a fixed deposit

There are several features of a fixed deposit that set it apart from various other investment options present in the market. These features determine the nature of the entire investment and how it will behave under different circumstances....

More from Fixed Deposit guide

Fixed Deposit Tips

Deposit time periods

The term 'fixed deposit' is commonly used to describe deposits that are made for specific time duration. The other way in which these are described are term deposits since they represent a specific term.....

More from Fixed Deposit tips

Mutual Fund Guide

What is net asset value of a scheme?

The performance of a particular scheme of a mutual fund is denoted by Net Asset Value (NAV). Mutual funds invest the money collected from the investors in securities markets. In simple words, Net Asset Value...

More from Mutual Fund guide

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...

More from Mutual Fund tips

Business Loan Guide

Security

There are a wide variety of securities that banks will accept to sanction the overdraft facility. One point is that the securities and the details of applicability will vary across banks, depending upon what each bank has decided.....

More from Business Loan guide

Business Loan Tips

Calculations

The key part of the overdraft facility is the manner in which the interest is calculated. This becomes a good facility as far as low cost funds are concerned because a smart business will ensure that it does not have a high cost in the usage of credit facilities....

More from Business Loan tips

Related Links

Business Loan FAQs

Tax Guide

Benefits of new taxation structure

How exactly does an individual stand to benefit from the new taxation structure? Consider a 30-year-old male assessee with an annual income of Rs 6 lakh. His tax liability under the two cases would be as follows.....

More from Tax guide

Tax Tips

Tax saving tips

Tax-saving investments are a basic part of every individual's annual financial plan. There is a lot of choice that is available when it comes to the tax-saving investments, and these have to be considered while making a final decision. ...

More from Tax tips

Product offering

Home
loan

Personal
loan

Credit
Card

Life
Insurance

Health
Insurance

Stocks
/demat

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

Life insurance

A Life Insurance policy is a must to protect against financial loss which might accrue due to an untimely death of an earning person. Nowadays life insurance is looked upon as an investment option too in addition to providing protection. There are various types of life insurance policies available such as term insurance, endowment policy, Unit Linked Insurance plans (ULIPs), child plans, pension plans etc.

Life insurance premium comparison here User reviews on life insurance plans here Life insurance guides and tips here Expert reviews on life insurances here Articles on life insurances here Life insurance terms glossary here Retirement planning calculator here Latest news on life insurance here

Health insurance

A Health Insurance policy is essential to protect yourself against prohibitive medical costs in case of a medical emergency. Health Insurance takes care of your hospital expenses in such a scenario. If you are new to the world of health insurance, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about health insurance.

Health insurance policy comparison here User reviews on health insurance plans here Health insurance guides and tips here Expert reviews on health insurances here Articles on health insurances here Health insurance terms glossary here Latest news on health insurance 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]

 
Email This
* Your Name:
* Your Email:
* Friends Email:
(Separate multiple email addresses with commas.)
OR Send email using your contact list
* Your Message: