Piramal Finance

Basics Of Loans

What Are The Different Fees And Charges On Loans Against The Property? KNOW MORE
What Are The Different Fees And Charges On Loans Against The Property? A loan against property often termed as the mortgage loan or LAP is a popular variety of loans available to salaried, self-employed, and self-employed non-professionals. The property against loan serves as security, and the loan amount is sanctioned based on an assessment of several variables.
11 January 2022 Read More
How Working Capital Loan Can Boost Your Business? KNOW MORE
How Working Capital Loan Can Boost Your Business? Working capital is an integral part of running a business, whether big or small. Maintaining a positive balance, which is lesser liabilities compared to current assets, is what a healthy business aims at. Failing to maintain the balance may lead to deficits that, if accumulated, may become hard to pay back.
11 January 2022 Read More
What Is Stamp Duty And How Is Stamp Duty Calculated? KNOW MORE
What Is Stamp Duty And How Is Stamp Duty Calculated? Investing in a house is a major decision that involves a lot of factors to take into consideration. You need to first zero down on the locality, the surrounding amenities, apply for a home loan, make the upfront payment and sign the agreement. Then you get possession once the property is ready.
11 January 2022 Read More
Things To Consider Before Transferring Your Home Loan KNOW MORE
Things To Consider Before Transferring Your Home Loan With the increasing amount of inflation, the daily expenditure and other expenses have been soaring high up. Especially when it comes to buying a house, it has been increasingly expensive to go through the whole process. With respect to some home loans, the interest rates and other charges have been increasing.
11 January 2022 Read More
How To Finance Your Home Renovation Using Home Renovation Loan KNOW MORE
How To Finance Your Home Renovation Using Home Renovation Loan Home renovations are part of the process of owning a home from time to time. Many people go ahead with home renovation plans to enhance the value of their homes and also meet the needs of their families. While the need for increased comfort can be one of the most common needs for home renovation,
11 January 2022 Read More
Importance Of ITR For Availing Business Loan KNOW MORE
Importance Of ITR For Availing Business Loan As someone who is either wanting to start a business or invest in business, a business loan can be a good option. This can help you with much needed business capital and fulfil your business objectives and goals. However, a business loan requires several necessary documents and conditions. One of them being,
11 January 2022 Read More
What Is The Minimum Cibil Score Required To Get A Loan? KNOW MORE
What Is The Minimum Cibil Score Required To Get A Loan? The past few years have observed a drastic increase in the number of people opting for loans. While applying for any type of loan, one of the key parameters that are verified is your CIBIL score. This score is crucial as it helps banks decide the approval of your home loan application.
11 January 2022 Read More
What Is Flexi Loan & Benefits Of Flexi Loan KNOW MORE
What Is Flexi Loan & Benefits Of Flexi Loan A loan is a loan sanctioned to an individual for the purpose of investing it in business work. The Flexi loan is one of the most popular business loan options in today’s time. You are sanctioned a loan amount where you have the flexibility to withdraw funds as many times as you want within the limit.
11 January 2022 Read More
What Are The Eligibility Criteria To Get Subsidized Loan With PMAY? KNOW MORE
What Are The Eligibility Criteria To Get Subsidized Loan With PMAY? The Pradhan Mantri Awas Yojana is an initiative by the Government of India that aims to provide affordable housing to everyone in India. It allows first-time homeowners in India to get subsidies on their first property purchase.
11 January 2022 Read More
How To Calculate Your EMI? Calculate EMI Online KNOW MORE
How To Calculate Your EMI? Calculate EMI Online Everybody dreams of having a home of their own. A home loan from Piramal Finance (PCHF) can help you fulfil that dream. But a lot of people seem to be apprehensive about the EMI that they have to pay for their home loan. Keeping that in mind, Piramal Finance has a home loan EMI calculator.
11 January 2022 Read More
Things You Must Know Before You Avail A Home Renovation Loan KNOW MORE
Things You Must Know Before You Avail A Home Renovation Loan Your home is your safe space and it needs to be in robust conditions in order to serve you with that safety. With time, our house loses its shine and it needs our attention in terms of repairs. It is extremely important to care for our home because over time,
11 January 2022 Read More
Features and Benefits of Home Extension Loan. KNOW MORE
Features and Benefits of Home Extension Loan. Human beings are built of dreams and aspirations. As we grow, so do our dreams and the need for bigger space to accommodate those dreams. But it is not always in our budget to afford that space or that construction.
11 January 2022 Read More
Why Filing an ITR is Important to Avail the Home Loan? KNOW MORE
Why Filing an ITR is Important to Avail the Home Loan? In the 90s and early 2000s, buying a house was considered a necessity. Given the relationship between the income rates people were earning on average and the home prices being offered to them at the time, it was not uncommon (quite the contrary) for an individual to be able to purchase a house for themselves using a year or two years worth of salary.
11 January 2022 Read More
How Home Loan Eligiblity is Calculated on Your Salary? KNOW MORE
How Home Loan Eligiblity is Calculated on Your Salary? For credit companies, the primary driver of profit is their lending activities. These include the provision of issuance of home loans, personal loans, or any other type of loan. One may assume that more loans would then mean more profit. However, this is only partly correct.
11 January 2022 Read More
Missed Your EMI? Here's What You Need to do Next. KNOW MORE
Missed Your EMI? Here's What You Need to do Next. Defaulting on your home loan EMI payment can be a distressing experience, and often out of your hand. Here are some things you could do if you have defaulted on your home loan EMI payment,
11 January 2022 Read More
Different Type of Loans that Offer Huge Tax Benefits. KNOW MORE
Different Type of Loans that Offer Huge Tax Benefits. Sometimes, you just have to take a loan to make ends meet. But that doesn’t mean you cannot make a saving while doing so. Here are 4 such loans you can make significant tax savings on.
11 January 2022 Read More
Why it is Important to Keep Reviewing Your Home Loan? KNOW MORE
Why it is Important to Keep Reviewing Your Home Loan? Buying a home comes with a lot of financial burden and responsibilities, which, however, is worth every penny you spend behind your cost niche.
11 January 2022 Read More
What Is Working Capital Loan? KNOW MORE
What Is Working Capital Loan? Working Capital is an indicator of the financial condition of an organization or a company. Working capital indicates an organization's liquidity levels, operational efficiency, and short-term financial health.
26 November 2021 Read More
What Is CIBIL Score And Its Importance? KNOW MORE
What Is CIBIL Score And Its Importance? Whether you’re applying for a credit card or a loan, your CIBIL score becomes a decisive factor. So let us know more about CIBIL scores and their importance.
26 November 2021 Read More
Working Capital Management In A Post-Covid World KNOW MORE
Working Capital Management In A Post-Covid World Is your company struggling hard to maintain its cash flow in this period of economic uncertainty? Then you need to be vigilant about your working capital and properly manage it so that your day-to-day transaction runs smooth
25 November 2021 Read More
Why Is It Better To Own A House Than Pay Rent? KNOW MORE
Why Is It Better To Own A House Than Pay Rent? Owning a house is a dream ingrained into our ambitions since youth. Even marketing and advertising strategies rely on this tendency to own a roof on your head, deliberately. However, with a large number of urban youth
25 November 2021 Read More
All About Small Business Loans In India KNOW MORE
All About Small Business Loans In India The small and medium-sized enterprises in India, popularly known as SMEs, are the backbone of the nation’s socio-economic development. According to several reports, the SMEs have employed millions of Indians and contribute 30% to the nation’s GDP
24 November 2021 Read More
Types Of Properties Which Can Be Given As Collateral For A Loan KNOW MORE
Types Of Properties Which Can Be Given As Collateral For A Loan When it comes to loans, collateral is the most daunting term for people. The question seems very basic, but there always remains a lack of clarity about the various forms of properties and their applicability as collateral for a secured loan.
24 November 2021 Read More
What Is A Professional Loan? KNOW MORE
What Is A Professional Loan? Working professionals such as architects, chartered accountants, company secretaries, lawyers and doctors are usually looking to expand their services or invest further in their own existing / new practice.
18 November 2021 Read More
What Is Business Loan Fees And Charges Know More
What Is Business Loan Fees And Charges Easy access to capital is the lifeline that nurtures businesses. A business loan can provide capital to meet various business-related requirements. Be it delay in payments by debtors, plans to grow your business, purchasing additional inventory, or dealing with the cash flow issues because of the lag between payables and receivables.
16 November 2021 Read More
Home Loan Benefits For Women In India Know More
Home Loan Benefits For Women In India Buying a home of one's own is a dream every person has. But today, that dream is not limited to just men. With societal changes, women are becoming homeowners and building a home of their own.
16 November 2021 Read More
Difference between home loan and loan against property Know More
Difference between home loan and loan against property Easy accessibility of loans and a wide range of home loan products have made life easier for the borrower. But sometimes the variety of options can make it a bit tough to decide which loan to go for when you are planning to apply for a loan.
15 November 2021 Read More
Difference Between Short Term and Long Term Home Loan Know More
Difference Between Short Term and Long Term Home Loan Planning to buy a dream home is indeed a big move and perhaps something almost everyone aspires to. But, unless one has a lot of money saved, all you need is the right home loan to fund the purchase. To sanction a home loan, banks and financial institutions take into account certain eligibility criteria such as the financial condition and age of the borrower,
12 November 2021 Read More
Different Types of Business Loan Know More
Different Types of Business Loan A business loan, in simple terms, is the capital provided by a lender to a business owner. A lender can be a bank or any NBFCs in India and a business owner could be anyone looking to start a new venture or planning to expand their existing business.
12 November 2021 Read More
All About Top-Up Loan Know More
All About Top-Up Loan Making your financial dreams come true can sometimes require a helping hand. Be it to renovate your home, start a business, plan a lavish wedding, or any other lofty goal, having the requisite funding is essential.
12 November 2021 Read More

Tips & Advice

Things To Remember Before Applying For Loan Against Property TIPS & ADVICE
Things To Remember Before Applying For Loan Against Property When hit with a financial emergency, most people consider redeeming their investments or taking out a loan. Although a loan may be a preferable option in a financial crisis, selecting the proper type of loan can be difficult with so many options available. When considering the various loan choices available,
11 January 2022 Read More
Top 6 Mistakes To Avoid While Taking A Business Loan. TIPS & ADVICE
Top 6 Mistakes To Avoid While Taking A Business Loan. One of the most important requirements to run a business is capital. Finances are required to fund the different requirements of a business and ensure that it remains operational without any hassle. Small businesses, in specific, have a greater need for finances to bootstrap their business.
11 January 2022 Read More
When Should You Take A Business Loan? TIPS & ADVICE
When Should You Take A Business Loan? A business is not only a medium of livelihood, but it is the result of the blood, sweat, and savings of a businessperson. There are many things that are responsible for the success of a business, however, the most important among them is funding. Funds are the basis of everything happening within the company/enterprise.
11 January 2022 Read More
Is It Possible To Get A Business Loan With Low Revenue TIPS & ADVICE
Is It Possible To Get A Business Loan With Low Revenue As a business owner, you require funds for various aspects. This can be for covering expenses, expanding your business, covering up for any loss or any future goals. Though you might have the finances required for this, often you might find yourself in need of a business loan.
11 January 2022 Read More
Top 6 Common Real Estate Scams Which Home Buyers Can Avoid. TIPS & ADVICE
Top 6 Common Real Estate Scams Which Home Buyers Can Avoid. Prior to the onset of the early 2000s, homeownership was viewed more as a necessity rather than an investment one can make. However, as property prices began skyrocketing, the real estate investing opportunities became crystal clear. With real estate finance companies and private players alike jumping at the opportunity,
11 January 2022 Read More
Under Construction Vs Ready To Move Home - Which One Is Better For You? TIPS & ADVICE
Under Construction Vs Ready To Move Home - Which One Is Better For You? The outbreak of the covid pandemic has made us realise the importance of owning a house. Apart from the fact that it is a valuable asset, it is also an investment for the future. The one advantage that Covid has brought with it is that the home loan interest rates today have dropped and the interested people can buy a property of their own.
11 January 2022 Read More
Pros & Cons of Joint Home Loan TIPS & ADVICE
Pros & Cons of Joint Home Loan? A joint home loan is a loan taken by two or more people with the intent of availing a higher loan amount along with equally shared responsibility of repaying the loan. The co-applicant shares the liabilities and benefits of the home loan with the primary applicant.
11 January 2022 Read More
How to Improve Your Cibil Score? TIPS & ADVICE
How to Improve Your Cibil Score? A good credit score is a much-needed aspect when looking to obtain a loan. Financial crunches can crop up at any point in time and one may feel the need for money to cater to varied needs.
11 January 2022 Read More
Why Should You Choose A Home Loan Balance Transfer? TIPS & ADVICE
Why Should You Choose A Home Loan Balance Transfer? A Home loan balance transfer refers to the transfer of your current home loan from one bank/lender to another to lower your EMI by availing a lower interest rate and other benefits offered by them.
26 November 2021 Read More
Financial Habits To Better Manage Your Business Growth TIPS & ADVICE
Financial Habits To Better Manage Your Business Growth Habits make a man. At least you have heard so all your childhood. The need for good habits is so vital that your entire personality depends on them. The same applies to business owners.
25 November 2021 Read More
A Home Owner’s Guide To Home Loan Balance Transfer TIPS & ADVICE
A Home Owner’s Guide To Home Loan Balance Transfer Buying a home is a dream for many, and home loans help in making that dream come true. But what if the lender you chose initially doesn’t suit you anymore? Can you go for a home loan balance transfer?
25 November 2021 Read More
Tips To Repay Your Home Loan Faster TIPS & ADVICE
Tips To Repay Your Home Loan Faster Now that you have taken a home loan, chances are that you could be worried about the home loan EMI. After all, taking a home loan plan is not enough. Besides having the financial commitment for making regular EMI payments,
25 November 2021 Read More
Why Is Early Payment Crucial For Recovering Small Businesses? TIPS & ADVICE
Why Is Early Payment Crucial For Recovering Small Businesses? Covid pandemic has spared none in the world! The strict curfew laws and lockdown regulations turned everyone's lives around. However, one sector that was badly affected was the MSME sector.
24 November 2021 Read More
Signs Which Indicate That You Are Getting Into A Debt Trap TIPS & ADVICE
Signs Which Indicate That You Are Getting Into A Debt Trap Remember the fable of a frog that boiled itself to death after falling into a pot of water? The water was pleasantly warm when the frog fell in, but the amphibian simply adjusted its body temperature to stay inside.
24 November 2021 Read More
Top Indian Cities To Invest In Real Estate TIPS & ADVICE
Top Indian Cities To Invest In Real Estate Buying a home is the pinnacle of achievement for most Indians. It is the labor of their years of efforts, sacrifices and work. However, the modern Indian is more financially literate and savvy.
24 November 2021 Read More
How Does Getting A Machine Loan Can Help You Grow Your Business? TIPS & ADVICE
How Does Getting A Machine Loan Can Help You Grow Your Business? For better sales and steady growth, as a businessperson, you need to have the right machinery. Irrespective of your industry, the machines you use have to be at par so that you can warrant maximum production and profit.
24 November 2021 Read More
Tax Benefits Of Home Loan TIPS & ADVICE
Tax Benefits Of Home Loan In order to encourage more people to invest in houses, there are many tax deductions one can avail. Here are the home loan tax benefits that you should know about.
18 November 2021 Read More
10 Tips For A Best Home Loan Experience TIPS & ADVICE
10 Tips For A Best Home Loan Experience Buying a home can be absolutely exciting. It is natural to lean towards a home loan to finance your home. However, it is recommended to find the best home loan available so that you can have the best experience.
18 November 2021 Read More
Benefits Of Taking A Joint Home Loan TIPS & ADVICE
Benefits Of Taking A Joint Home Loan Owning a home in most cases is a once-in-a-lifetime investment and a collective dream of a family. There are several factors such as income, age, repayment capability, etc. which are considered by a lender while approving the home loan Many hands make light work holds true when it comes to a joint home loan.
17 November 2021 Read More
Which Is The Best Place To Get Home Loan - Bank Or Housing Finance Companies? TIPS & ADVICE
Which Is The Best Place To Get Home Loan - Bank Or Housing Finance Companies? Planning to buy that dream home? A home loan is the next thought that comes to one’s mind, and the obvious big question is where to take the home loan from. It is crucial to choose the right type of lender according to one’s requirements. There are two options where one can borrow from
17 November 2021 Read More
Personal Loan Vs Business Loan Which Is Better TIPS & ADVICE
Personal Loan Vs Business Loan Which Is Better A personal loan in simple language is an easy to obtain all-purpose loan. Unlike a business loan, a personal loan has flexible end-use and is not restricted to business-related expenses only. It is an unsecured loan that can be used for a variety of reasons without any collateral provided as security against it.
17 November 2021 Read More
Should you Consider getting a Home Loan Tips & Advice
Should you Consider getting a Home Loan A home of our own is one of the major life milestones for most of us and has often been regarded as a measure of success in life. It is perhaps one of the biggest ambitions of the Indian middle class. Ever rising inflation and soaring property prices made it a distant dream for a long time. But the recent dip in interest rates, affordable housing loan options, and hassle-free loan processing has once again ensured this dream remains within the reach of a common man.
12 November 2021 Read More
10 Important Tips To Consider Before Taking a Home Loan Tips & Advice
10 Important Tips To Consider Before Taking a Home Loan Property is a valuable asset that can provide you with a variety of financial benefits. Whether you want to buy a property for investment purposes or to discover a new home, the financial sector offers a variety of lucrative and useful lending options. If you're short on cash or don't want to liquidate your savings,
12 November 2021 Read More
Tips And Advice For Loan Against Property Tips & Advice
Tips And Advice For Loan Against Property Whether you are a salaried employee or a businessman, the first thought that comes to mind when you are facing a cash crunch is to apply for a loan with a financial institution. There could be various reasons where you would require funds to meet exigencies such as a child’s higher education,
12 November 2021 Read More

How To?

How To Get Commercial Loan? HOW TO?
How To Get Commercial Loan? Starting a new business is an enormous task but sustaining in the market is even more difficult. Ensuring the flow of the capital required for the functioning of the business can take a lot out of you. A commercial loan for business is a great enabler for business owners to fund their capital requirements arising because of a variety of reasons.
11 January 2022 Read More
How To Improve Your Home Loan Eligibility? HOW TO?
How To Improve Your Home Loan Eligibility? When you apply for home loan with a bank or NBFC, the first thing a lender does is the risk assessment of the applicant’s profile. Several parameters help a lender ascertain the repayment capability of a loan applicant. The home loan interest rates offered by the bank and the loan amount are decided based on these parameters.
11 January 2022 Read More
How To Get Working Capital Loan In India? HOW TO?
How To Get Working Capital Loan In India? Working capital is an important dimension of any business, whether it is a start-up or medium sized venture or an established organisation. It refers to the amount that any business entity has at its disposal at all points in time to cater to short term expenses and can be calculated as the difference between the current assets and liabilities that it has. For small and medium-sized companies,
11 January 2022 Read More
How To Apply For A Business Loan? HOW TO?
How To Apply For A Business Loan? Do you require money to grow your business? If so, then it is time to apply for a business loan. The application process can be daunting, but not impossible. With the right information and guidance, applying for a business loan should not be difficult at all!
26 November 2021 Read More
What is Property tax? How to Calculate It? HOW TO?
What is Property tax? How to Calculate It? When you buy a piece of property, you are often required to pay a number of taxes over and above the cost of the property when you make the purchase. Of these, Property tax or House tax is a tax levied on a property and is a percentage of the value of the property.
11 January 2022 Read More
How To Apply For A Business Loan? HOW TO?
How To Apply For A Business Loan? Do you require money to grow your business? If so, then it is time to apply for a business loan. The application process can be daunting, but not impossible. With the right information and guidance, applying for a business loan should not be difficult at all!
26 November 2021 Read More
Manage Your Home Loan Like A Pro HOW TO?
Manage Your Home Loan Like A Pro Now that you have a home loan in kitty, you need to become a financial disciplinarian. EMIs are not scary but they are a responsibility that you need to consider seriously enough to plan the way you handle money and also plan your expenses.
24 November 2021 Read More
A Complete Guide to Real Estate Financing How to?
A Complete Guide to Real Estate Financing Today in India, a lot of people are still unaware of the perks of real estate investment. Using real estate as an investment strategy has a lot of potential. Amongst investors, it continues to be a popular strategy to grow wealth.
12 November 2021 Read More
How to Apply for Home Loan Online? How to?
How to Apply for Home Loan Online? Every person's dream is to own a home. Most of us, though, cannot afford to buy the house outright. Taking out a home loan is one of the better ways to get your dream home. To be able to obtain the finest home loans in India,
12 November 2021 Read More
Tips to Reduce Your Home Loan EMI How to?
Tips to Reduce Your Home Loan EMI If you have already taken a home loan, you must have your EMIs debited every month. If you don’t have an existing loan and are planning to apply for a housing loan, it is important to know that you will be liable to make monthly EMI payments until your loan is completely repaid.
12 November 2021 Read More