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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..[Read]

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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 : I would like to go for a Mediclaim policy for my sister

    Comments :

    Dear Sir, I wish to take Mediclaim policy for my sister , who is spastic , pls let me know , how to go about it- Guest

    This disease will be treated as pre existing disease by the insurance company. Any expenses arising out of the pre existing disease will not be covered under the policy. This disease wil be covered only after pre existing clause of the insurance policy (this varies from company to company). All other hospitalisation will be covered as a normal policy.
    Compare and apply for Health Insurance here - Naresh

    I wanno know the exact samething. -Guest

    I do agree with Naresh. Medical expenses might not be covered for pre existing diseases. Expenses covered for the disease depends on pre existing clause by insurance company. You might have to undergo some medical tests before insurance approval. Once you clear these tests and fulfill eligibility criteria specified in clause, you may be able to buy health insurance. - Radhikasood

    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 : credit card over limit charges

    Comments :

    sir, i have a credit card ICICI Bank. I NOT UTILISED FULLY LIMIT. BUT WHEN BANK APPLIED PERIODICAL INTEREST THAT TIME EXCEED MY LIMIT, AND THEY CHARGE OVERLIMIT CHARGES + SERVICE TAX. EVERY TIME I WRITE AND THE REFUND. NEXT MONTHS. BUT DUE TO THIS I NOT GET REWARD POINTS-Daamodar

    You can lodge a complaint with your bank and get it corrected.-Naresh

    the credit card is free or sam tax is away lable -Guest

    Credit cards offered are always free except Privilege card or Titanium card where banks charge some annual fees.You can compare and apply for a credit card at here. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you. -Naresh

    View ForumPost

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i dont agree..even the services r very good. i had a health insurance and to reimburse it just took me two weeks which i feel is very good... [Read]

as always huge expectation but not rewarding

reliance health insurance products are not that much equipped with features. with health insurance reliance has to come a long way... [Read]

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Bank of Maharashtra Education Loan

Bank of Maharashtra started in 1936 with an aim of meeting the expectations of diverse sections of the society. Working towards its aim, it has started various loan schemes including education loam, personal loan, home loan, loans for corporates, agriculturists, professionals, etc. Education loan of the bank fulfills the monetary needs of higher education...[Read]

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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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Life Insurance Guide

ULIP FAQs

Unit-linked insurance policies or ULIPs are contemporary life insurance policies that offer investment benefits along with life cover. It is similar to traditional life insurance policies such as endowment, money-back and whole-life, but with one major difference....

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Life Insurance Tips

Life insurance tips

Decide the amount you need to be covered for: This is the most important step in buying a life insurance cover. Find out what is the amount of cover right for you. If your cover is insufficient to meet your present liabilities, your dependents will have a hard time...

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Health Insurance Guide

Types of health insurance policies available

Individual Health Plans (IHP): It commonly known as mediclaim policy and it is the simplest form of health insurance. It normally covers hospital treatment expenses (minimum 24 hour hospitalisation required) for an individual...

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Health Insurance Tips

What should you be aware of after buying the health insurance policy?

The health insurance segment witnesses the highest number of claims and hence the rejection rate is also very high. To ensure smooth settlement-Make sure you have all the documents in place and the renewals are done in time....

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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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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

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]

 
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