पर्सनल लोन का पूर्व भुगतान क्या होता है?

Personal Finance
20-06-2024
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हालिया समय में पर्सनल लोन में काफी उछाल देखने को मिला है। ज़्यादा से ज़्यादा लोग पर्सनल लोन ले रहे हैं, खासकर फिनटेक कंपनियों के आने के बाद। नए जमाने की इन वित्तीय कंपनियों के ज़रिए पैसे और लोन की आसान उपलब्धता ने पर्सनल लोन के बाजार को बढ़ा दिया है। अब आप सिर्फ कुछ ही क्लिक पर पर्सनल लोन ले सकते हैं। इसके अलावा, पर्सनल लोन के फ़ायदे इसे किसी भी समय ज़रूरत में पैसे का विकल्प, यानी ऑप्शन बनाते हैं। हालांकि, बहुत से लोग ऐसे लोन का पूर्व भुगतान करना पसंद करते हैं, भले ही बैंक पर्सनल लोन पर पूर्व भुगतान पेनल्टी  लगाते हैं। प्रीपेमेंट पेनल्टी  क्या होती है? क्या प्रीपेमेंट फायदेमंद है? आइए जानते हैं!

पर्सनल लोन का पूर्व भुगतान क्या होता है?

पर्सनल लोन कम अवधि वाले लोन होते हैं। अवधि आमतौर पर 1 साल से 5 साल तक होती है। लेकिन कई बार लोग ज़रूरत से ज़्यादा लंबी अवधि के लिए पर्सनल लोन ले लेते हैं। एक बार जब उनका उद्देश्य पूरा हो जाता है और उनके पास पर्याप्त पैसे उपलब्ध होते हैं, तो वे वास्तविक देय तारीख, यानी एक्चुअल ड्यू डेट से पहले अपने लोन चुका देते हैं। इसे पर्सनल लोन के पूर्व भुगतान के तौर पर जाना जाता है। पूर्व भुगतान दो तरह के होते हैं:

·         आंशिक या आंशिक प्रीपेमेंट: यहां, पर्सनल लोन का सिर्फ एक निश्चित हिस्सा ही प्रीपेड होता है। उदाहरण के लिए, अगर बकाया मूलधन, यानी प्रिंसिपल अमाउंट रु. 5,00,000 और रु. 1,50,000 आप का पूर्व भुगतान करते हैं। तो इसे पर्सनल लोन के पूर्व भुगतान का हिस्सा माना जाएगा।

·         पूरा प्रीपेमेंट: यहां, लोन की अवधि खत्म होने से पहले बकाया मूलधन का भुगतान कर दिया जाता है। उदाहरण को जारी रखते हुए, अगर रु. 5,00,000 की पूरी राशि चुकाई जाती है, तो इसे पूरा पूर्व भुगतान माना जाएगा।

क्या प्रीपेमेंट और फोरक्लोजर अलग-अलग होते हैं?

आपने "फोरक्लोजर" शब्द सुना होगा। प्रीपेमेंट और फोरक्लोजर दो अलग-अलग चीजें हैं। प्रीपेमेंट का इस्तेमाल आमतौर पर पर्सनल लोन के आंशिक प्रीपेमेंट के लिए किया जाता है। लेकिन फोरक्लोजर तब होता है जब बकाया लोन राशि का पूरा भुगतान कर दिया जाता है। लोन की अवधि खत्म होने से पहले लोन खत्म करने के लिए यह कानूनी शब्द है।

प्रीपेमेंट फोरक्लोजर का हिस्सा है। फ़ोरक्लोज़िंग का दूसरा तरीका यह है कि जब आप अपने लोन को एक बैंक से दूसरे बैंक में ट्रांसफर करते हैं। कम ब्याज दरों, बेहतर शर्तों आदि के कारण, लोन लेने वाले आमतौर पर अपने लोन को एक बैंक से दूसरे बैंक में ट्रांसफर करते हैं। ऐसे मामले में, दूसरा बैंक मूल बैंक को बकाया राशि का भुगतान करता है। इसके बाद कर्ज लेने वाला अपना कर्ज दूसरे बैंक को चुका देगा।

प्रीपेमेंट के फ़ायदे

प्रीपेमेंट के कुछ मुख्य फ़ायदे नीचे दिए गए हैं:

·         लोन खत्म करता है: अगर आप पूरा प्रीपेमेंट करते हैं तो अपने पर्सनल लोन का प्रीपेमेंट करने से आपको अपने लोन को खत्म करने में मदद मिलती है। यहां तक कि अगर आप आंशिक, यानी एडवांस प्रीपेमेंट करते हैं, तो भी आपका कर्ज काफी हद तक कम किया जा सकता है।

·         ब्याज की बचत: पर्सनल लोन पर ब्याज दर ज़्यादा होती है। अपने पर्सनल लोन का प्रीपेमेंट करने से आपको ब्याज बहुत बड़ी बचत करने में मदद मिल सकती है। पर्सनल लोन की ब्याज दरें 12%-14% से शुरू होती हैं और हर साल 18% तक जा सकती हैं। जैसा कि कहा जाता है, "हर बचाया गया पैसा एक पैसा कमाया जाता है।" अपने पर्सनल लोन का समय से पहले भुगतान करने से आपको ऐसी ज़्यादा ब्याज कीमतों की बचत करने में मदद मिल सकती है, जो इस तरह के ज़्यादा रिटर्न पाने के बराबर हैं।

·         बेहतर ब्याज दरें: अगर आप अपने पर्सनल लोन को किसी अन्य बैंक में ट्रांसफर करने जाते हैं, तो आप बेहतर ब्याज दर अर्जित कर सकते हैं और अपने पर्सनल लोन पर बेहतर शर्तें पा सकते हैं। यही एकमात्र वजह है कि बहुत से लोग अपने लोन का फोरक्लोजर करते हैं।

·         अपने क्रेडिट स्कोर को प्रभावित करें: प्रीपेमेंट आपकी क्रेडिट रिपोर्ट पर सकारात्मक, यानी पॉजिटिव प्रभाव डालता है। अगर आप अपने पर्सनल लोन का प्रीपेमेंट करते हैं, तो यह आपके क्रेडिट स्कोर को बढ़ा सकता है।

·         भविष्य में लोन के लिए बेहतर अवसर: अगर आप अपना लोन प्रीपेमेंट करते हैं, तो आपकी बाहरी देनदारी कम हो जाती है। इसलिए, यह भविष्य में ज़्यादा क्रेडिट पहुंच के लिए रास्ता बनाता है। लोन लेते समय आपके वर्तमान लोन देनदारियों पर विचार किया जाता है। वे उस लोन की राशि को प्रभावित कर सकते हैं जिसे आप उधार ले सकते हैं या ब्याज दर। आपके हाथों में ज़्यादा डिस्पोजेबल इनकम होने की वजह से आप भविष्य में ज़्यादा लोन राशि का फ़ायदा उठा सकते हैं।

पर्सनल लोन पर प्रीपेमेंट पेनल्टी

अलग-अलग बैंकों में पर्सनल लोन पर प्रीपेमेंट पेनल्टी अलग-अलग होती है। ज़्यादातर बैंक केवल एक तय अवधि के लिए ही प्रीपेमेंट शुल्क लगाते हैं। इसके अलावा, प्रीपेमेंट के लिए कोई शुल्क नहीं है। इसके अलावा, आंशिक, यानी एडवांस पुनर्भुगतान और पूरा पुनर्भुगतान के लिए शुल्क अलग-अलग हो सकते हैं। इसके अलावा, कुछ बैंक पर्सनल लोन पर प्रीपेमेंट पेनल्टी माफ कर देते हैं, अगर लोन को दूसरे बैंक में ट्रांसफर कर दिया जाता है। आमतौर पर, प्रीपेमेंट शुल्क प्रीपेड राशि या बकाया मूल राशि के 1% से 4% के बीच होता है।

क्या आपको पर्सनल लोन प्रीपेमेंट के लिए जाना चाहिए?

पर्सनल लोन प्रीपेमेंट का ऑप्शन चुनने से पहले आपको अलग-अलग कारकों के बारे में सोचने की ज़रूरत होती है। इन कारकों, यानी फैक्टर्स में नीचे दिए गए कारक शामिल हैं:

·         प्रीपेमेंट पेनल्टी: पर्सनल लोन पर प्रीपेमेंट पेनल्टी क्या है जो बैंक चार्ज करने जा रहा है? प्रीपेमेंट करने से पहले आपको इसे समझने की ज़रूरत है। प्रीपेमेंट दंड को जानने के लिए सेंक्शन लेटर या लोन दस्तावेज़ों को देखें।

·         बकाया मूल राशि: बकाया मूल राशि कितनी है? अगर यह सिर्फ नाम मात्र, यानी नॉमिनल राशि है, तो प्रीपेमेंट से ज़्यादा फ़ायदा नहीं मिलेगा।

·         वर्तमान ब्याज दर: आप अपने पर्सनल लोन पर वर्तमान ब्याज दर क्या दे रहे हैं? अगर ब्याज दर बहुत ज़्यादा है तो आपको प्रीपेमेंट के बारे में सोचना चाहिए। अन्यथा, आप अपने पास मौजूद अतिरिक्त धन का निवेश करने के बारे में सोच सकते हैं।

·         बची हुई अवधि: लोन अवधि कितनी बकाया है? फिर से, अगर प्रीपेमेंट सिर्फ कुछ महीनों या एक साल के लिए है तो यह बहुत फायदेमंद नहीं होगा।

·         प्रीपेमेंट का तरीका: आप अपने लोन का प्रीपेमेंट कैसे करेंगे? आप अपने लोन को दूसरे बैंक में ट्रांसफर करने पर विचार कर सकते हैं। लेकिन आपको प्रोसेसिंग फीस और अन्य शुल्क चुकाने होंगे।

·         अवसर लागत: आपके लोन का प्रीपेमेंट न करने की अवसर लागत वह निवेश अवसर है जिसे आपने खो दिया। इसलिए, प्रीपेमेंट के ज़रिए से आप जो ब्याज बचाते हैं, वह आपके निवेश से अर्जित रिटर्न से ज़्यादा होना चाहिए।

निष्कर्ष

पर्सनल लोन पर प्रीपेमेंट पेनल्टी की वजह से सावधानीपूर्वक, यानी ध्यान से सोचना महत्वपूर्ण हो जाता है, कि प्रीपेमेंट करना है या नहीं। ऊपर दिए गए कारकों के बारे में सोचने से वही निर्णय लेने में मदद मिलेगी। ज़्यादा उपयोगी जानकारी के लिए अभी पीरामल फायनांस की ऑफिशल वेबसाइट पर जाएं!

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The Ultimate Guide to CIBIL Score for Home Loans: From 750+ to Loan Approval

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Scores range from 300 to 900. ● The minimum CIBIL for a housing loan is usually 650, but banks prefer 700 or 750+ for easy approval and low rates. ● You can improve your credit score for a loan by paying bills on time, reducing debt, and keeping old accounts open. ● It usually takes 6-12 months of disciplined effort to increase your score. What is the CIBIL Score for a Home Loan? A CIBIL score is a credit score that shows your financial behaviour. It’s like a report card for your money habits, ranging from 300 to 900. CIBIL score for a home loan is crucial when banks are deciding whether to approve your loan or not. Think of it like a report card, like below: ● 300-549: Very bad (like failing in school) ● 550-649: Not good (like getting poor marks) ● 650-699: Okay (like average marks) ● 700-749: Good (like good marks) ● 750-900: Excellent (like being a topper!) If you have a score of 750 or above, most lenders see you as trustworthy and offer better interest rates and easier approval. 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Switzerland Trip Cost from India – Full Budget Guide

Switzerland, often called the “Paradise of Europe,” is famous for its snow-covered Alps, crystal-clear lakes, scenic train journeys, and charming towns. Whether you’re visiting for a romantic honeymoon or an adventurous vacation, knowing the Switzerland trip cost from India will help you plan your dream holiday better. India to Switzerland Flight Ticket Price Flights make up a major portion of your total trip cost. There are several one-stop flights from India to Zurich or Geneva via Dubai, Doha, or Istanbul. Round-trip airfare from India to Switzerland: ₹45,000 to ₹75,000 per person Premium airlines or peak season fares: ₹80,000 to ₹1,10,000 Booking 2–3 months in advance can help you find better deals Airlines such as Emirates, Qatar Airways, Lufthansa, and Swiss Air operate regular flights connecting major Indian cities like Delhi, Mumbai, and Bangalore to Switzerland. Visa and Travel Insurance Since Switzerland is part of the Schengen region, Indian travellers need a Schengen visa. Visa fee: Around ₹7,000 per person Travel insurance: ₹1,000 to ₹2,000 per person depending on duration Accommodation Costs in Switzerland Switzerland offers a wide range of accommodations, from budget hostels to luxury mountain resorts. Budget stays: ₹4,000 to ₹6,000 per night Mid-range hotels: ₹8,000 to ₹12,000 per night Luxury resorts: ₹18,000 to ₹25,000 per night Staying in smaller towns like Lucerne or Interlaken instead of Zurich can help reduce your expenses while keeping you close to key attractions. Food and Dining Expenses Switzerland’s food is as rich as its culture, with influences from France, Germany, and Italy. Street food and snacks: ₹800 to ₹1,200 per meal Mid-range restaurants: ₹2,000 to ₹3,000 per person Fine dining: ₹4,000+ per person For budget travellers, buying groceries and cooking simple meals can save a considerable amount, especially during long stays. Local Transport Costs Switzerland has one of the best public transportation systems in the world. Trains, buses, and boats are punctual and well-connected. Metro and buses: ₹300 to ₹500 per ride Swiss Travel Pass (unlimited train and bus travel): ₹20,000 to ₹35,000 for 8–15 days Car rentals: ₹5,000 to ₹8,000 per day (excluding fuel) If you plan to visit multiple cities, the Swiss Travel Pass is the most economical choice. Sightseeing and Activities Switzerland is packed with scenic attractions and adventure experiences. Cable car rides (Mount Titlis, Jungfraujoch): ₹6,000 to ₹10,000 per person Lake cruises and local tours: ₹2,000 to ₹5,000 per person Museum entries and heritage sites: ₹800 to ₹1,500 per person Free attractions like hiking trails, viewpoints, and lakeside walks are great options to balance your expenses. Switzerland Trip Cost for Couples and Families For a 7 to 10-day trip, here’s a general estimate of the total cost: Budget trip: ₹1.3 lakh to ₹1.8 lakh per person Mid-range trip: ₹2 lakh to ₹2.8 lakh per person Luxury trip: ₹3 lakh+ per person These costs include flights, accommodation, meals, local transport, and sightseeing. Can a Travel Loan Help? A vacation in Switzerland can be expensive, but it’s also a once-in-a-lifetime experience. If you want to explore this stunning country without financial worry, a travel loan can help. It allows you to book flights, hotels, and tours now and repay the cost gradually through affordable EMIs. Final Thoughts The Switzerland trip cost from India varies depending on how you travel and stay, typically ranging between ₹1.3 lakh and ₹2.8 lakh per person. From the snowy peaks of the Alps to the peaceful lakes of Lucerne, every corner of Switzerland promises a postcard-perfect view. With careful planning and a well-managed budget, you can make your European dream vacation come true.
14-10-2025
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Tips & Advice

Spain Trip Cost from India: A Complete Travel Budget Guide

Spain, one of Europe’s most vibrant and culturally rich destinations, offers everything from sunny beaches and architectural marvels to flamenco shows and delicious food. Cities like Madrid, Barcelona, Seville, and Granada combine history, art, and modern energy, making Spain a dream vacation spot for Indian travellers. If you are planning to visit, here’s a complete guide to the Spain trip cost from India. India to Spain Flight Ticket Price Flights are one of the biggest parts of your Spain travel budget. Round-trip airfare from India to Spain (Delhi or Mumbai to Madrid or Barcelona): ₹45,000 to ₹70,000 per person Premium airlines may cost ₹80,000 to ₹1,00,000 during peak seasons Booking 2 to 3 months in advance and checking connecting flights can save money Major airlines like Lufthansa, Emirates, Qatar Airways, and Air France offer frequent connections from India to Spain. Accommodation Costs in Spain Spain has options for every traveller, from backpackers to luxury seekers. Budget hostels and guesthouses: ₹2,000 to ₹4,000 per night Mid-range hotels: ₹6,000 to ₹10,000 per night Luxury hotels and resorts: ₹12,000 to ₹20,000 per night Staying in smaller towns or using Airbnb can help you save on accommodation, especially during summer. Food and Dining Expenses Spain is famous for its food culture, from tapas and churros to paella and sangria. Street food and local cafes: ₹600 to ₹1,000 per meal Mid-range restaurants: ₹1,500 to ₹2,500 per person Fine dining experiences: ₹4,000+ per person A daily food budget of ₹2,000 to ₹3,000 per person is comfortable for most travellers. Local Transport in Spain Spain has one of the best transportation systems in Europe. Metro and local buses: ₹250 to ₹500 per ride City travel passes: ₹1,000 to ₹1,500 per day Intercity trains (Madrid to Barcelona): ₹4,000 to ₹7,000 per person Car rentals: ₹5,000 to ₹7,000 per day You can also take high-speed trains like AVE for faster travel between cities. Sightseeing and Activities Spain offers something for everyone, from beaches to architecture and history. Sagrada Familia entry (Barcelona): ₹2,000 to ₹2,500 per person Prado Museum (Madrid): ₹1,500 per person Alhambra Palace (Granada): ₹2,000 per person Flamenco show: ₹1,500 to ₹3,000 per person Beach activities and day tours: ₹2,000 to ₹4,000 per person Spain Trip Cost for Couples and Families For a 7 to 10 day trip, here’s an approximate cost: Budget trip: ₹1.3 lakh to ₹1.6 lakh per person Mid-range trip: ₹1.8 lakh to ₹2.3 lakh per person Luxury trip: ₹2.5 lakh+ per person This includes flights, accommodation, meals, local transport, and sightseeing. Can a Travel Loan Help? Spain is a country that offers unforgettable experiences, but it can be expensive for long stays or family trips. A travel loan can help you manage your trip expenses easily, allowing you to book flights, hotels, and tours without financial pressure. You can repay later in small, manageable EMIs while enjoying your dream European holiday. Final Thoughts A trip to Spain from India can cost between ₹1.3 lakh and ₹2.5 lakh per person, depending on your travel preferences. With smart planning, advance bookings, and the right budgeting, your Spanish adventure can be both memorable and affordable. From the beaches of Barcelona to the royal palaces of Madrid, Spain is a destination worth every rupee.
14-10-2025
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Shimla Trip Cost 2025 – A Complete Travel Guide

Shimla, the capital of Himachal Pradesh, is one of India’s most loved hill stations. With its snow-covered hills, colonial charm, toy train rides, and lively Mall Road, Shimla attracts travellers from all over the country. Whether you are planning a quick weekend getaway or a family vacation, understanding the Shimla trip cost can help you plan your journey better. Travel Cost to Shimla By Flight The nearest airport to Shimla is Jubbarhatti Airport, located about 22 km away, but only limited flights operate here. Most travellers prefer flying to Chandigarh Airport, which is about 120 km from Shimla. Delhi to Chandigarh flights: ₹3,000 to ₹6,000 (round trip) Taxi from Chandigarh to Shimla: ₹3,000 to ₹4,000 Shared cabs and buses: ₹800 to ₹1,200 per person By Train The Kalka–Shimla toy train is a UNESCO World Heritage route and a favourite among tourists. Delhi to Kalka (train): ₹400 to ₹1,200 Kalka to Shimla (toy train): ₹500 to ₹1,000 per person Duration: Around 5 to 6 hours with scenic mountain views By Road Shimla is around 340 km from Delhi. Volvo/AC bus: ₹800 to ₹1,500 per person Private cab: ₹6,000 to ₹8,000 (one-way) Self-drive: Around ₹3,000 to ₹4,000 for fuel Accommodation Costs in Shimla Shimla offers stays for every kind of traveller. Budget hotels and homestays: ₹1,500 to ₹2,500 per night Mid-range hotels: ₹3,500 to ₹6,000 per night Luxury resorts: ₹8,000 to ₹15,000+ per night Staying near Mall Road or The Ridge is convenient but can be slightly more expensive than properties on the outskirts. Food and Dining Expenses Shimla offers a mix of local Himachali dishes, North Indian meals, and café-style food. Street food and local dhabas: ₹200 to ₹400 per meal Mid-range restaurants and cafes: ₹600 to ₹1,200 per person Fine dining or hotel meals: ₹1,500 to ₹2,500 per person A daily food budget of ₹800 to ₹1,500 per person is ideal for most travellers. Sightseeing and Local Transport You can explore Shimla’s attractions using local taxis, rented bikes, or walking tours. Local taxi for a day: ₹2,000 to ₹3,000 Toy train rides within town: ₹100 to ₹300 Entry fees for attractions: ₹20 to ₹200 Popular Attractions in Shimla The Ridge and Mall Road Jakhoo Temple Kufri (snow point) Christ Church Green Valley Himalayan Bird Park Shimla Trip Cost for Couples and Families Here’s an estimated budget for a 3 to 4 days trip: Budget trip: ₹12,000 to ₹18,000 for two people Mid-range trip: ₹25,000 to ₹35,000 for two people Luxury trip: ₹45,000+ for two people This includes travel, stay, food, and local sightseeing. Can a Travel Loan Help? If you’re planning a longer vacation or want to enjoy a premium stay, a travel loan can make your journey easier. It allows you to cover flight bookings, accommodation, and sightseeing costs while repaying comfortably in EMIs later. Final Thoughts The Shimla trip cost varies depending on your travel style and preferences, ranging from ₹6,000 per person for budget travellers to ₹25,000 or more for luxury vacations. With beautiful landscapes, pleasant weather, and easy accessibility, Shimla is an ideal destination for families, couples, and solo travellers. Plan ahead, book early, and enjoy the perfect hill station getaway without worrying about expenses.
14-10-2025
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Pondicherry Trip Cost – A Complete Travel Budget Guide

Pondicherry, or Puducherry, is a charming coastal town on India’s southeast coast that beautifully blends French heritage with South Indian culture. With its peaceful beaches, colourful streets, spiritual retreats, and delicious food, it is one of India’s most loved weekend getaways. If you’re planning a vacation, understanding the Pondicherry trip cost will help you plan your travel smartly. Travel Cost to Pondicherry By Flight Pondicherry has a small airport with limited connectivity. The best option is to fly to Chennai International Airport, about 150 km away, and then travel by road. Delhi to Chennai flights: ₹5,000 to ₹9,000 (round trip) Mumbai to Chennai flights: ₹6,000 to ₹10,000 (round trip) Taxi or bus from Chennai to Pondicherry: ₹500 to ₹2,500 depending on the mode By Train Pondicherry is connected by train to major cities like Chennai, Bangalore, and Delhi. Chennai to Pondicherry train: ₹250 to ₹600 per person Bangalore to Pondicherry train: ₹500 to ₹1,200 per person By Road Pondicherry is easily accessible by road, and the East Coast Road (ECR) is one of India’s most scenic routes. Chennai to Pondicherry (150 km): ₹800 to ₹1,500 by bus or ₹3,000 to ₹4,000 by taxi Bangalore to Pondicherry (310 km): ₹1,200 to ₹2,000 by bus or ₹6,000 to ₹8,000 by cab Accommodation Costs in Pondicherry Pondicherry offers a mix of heritage guesthouses, beachfront resorts, and boutique hotels. Budget hotels and hostels: ₹1,200 to ₹2,000 per night Mid-range hotels: ₹3,000 to ₹6,000 per night Luxury resorts: ₹8,000 to ₹15,000 per night Staying near White Town or Promenade Beach gives you easy access to attractions but may cost slightly more. Food and Dining Expenses Pondicherry’s food scene reflects its French influence mixed with South Indian flavours. Street food and local cafes: ₹300 to ₹500 per meal Mid-range restaurants: ₹800 to ₹1,500 per person Fine dining and beachside restaurants: ₹2,000+ per person A daily food budget of ₹1,000 to ₹1,800 per person is ideal for a comfortable trip. Sightseeing and Local Transport Getting around Pondicherry is easy with rented scooters, bicycles, or auto-rickshaws. Scooter rentals: ₹400 to ₹600 per day Auto rides within city: ₹100 to ₹300 per trip Entry fees for attractions: ₹20 to ₹100 per person Top Attractions in Pondicherry Promenade Beach Auroville and Matrimandir Paradise Beach French Quarter (White Town) Aurobindo Ashram Serenity Beach Pondicherry Trip Cost for Couples and Families Here’s an estimated budget for a 3 to 4 days trip: Budget trip: ₹12,000 to ₹18,000 for two people Mid-range trip: ₹25,000 to ₹35,000 for two people Luxury trip: ₹45,000+ for two people This includes travel, stay, food, local transport, and sightseeing. Can a Travel Loan Help? If you’re planning a longer stay or a luxury vacation, managing expenses upfront can be challenging. A travel loan can make your Pondicherry trip hassle-free by covering flights, stays, and sightseeing costs while you repay conveniently through EMIs. Final Thoughts The Pondicherry trip cost largely depends on how you travel and where you stay, ranging from ₹6,000 per person for a budget holiday to ₹25,000 or more for a luxury vacation. With its calm beaches, French cafés, and colourful streets, Pondicherry offers the perfect escape for every kind of traveller. Plan ahead, book early, and enjoy a peaceful getaway by the sea.
14-10-2025
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Kedarnath Trip Package – Cost and Travel Itinerary

Kedarnath, one of the holiest pilgrimage sites in India, is nestled in the majestic Himalayas of Uttarakhand. Dedicated to Lord Shiva, the Kedarnath Temple is part of the Char Dham Yatra and attracts lakhs of devotees every year. The journey to this sacred shrine is both spiritual and scenic, making it a dream for those seeking peace and devotion. If you’re planning your visit, understanding the Kedarnath trip package details, cost, and travel options can help you plan your yatra efficiently. Travel Options to Kedarnath There are several routes and modes to reach Kedarnath, depending on your convenience and budget. By Air The nearest airport is Jolly Grant Airport in Dehradun, about 240 km from Gaurikund (the base point for Kedarnath). Delhi to Dehradun flight: ₹3,000 to ₹6,000 (round trip) Taxi from Dehradun to Gaurikund: ₹6,000 to ₹8,000 per vehicle Helicopter services are also available from Phata, Guptkashi, and Sirsi to Kedarnath for those who want to skip the trek. Helicopter tickets cost between ₹5,000 and ₹8,000 per person (round trip). By Train The nearest railway station is Rishikesh, located around 210 km from Gaurikund. Delhi to Rishikesh train: ₹400 to ₹1,000 per person Cab or bus from Rishikesh to Gaurikund: ₹1,000 to ₹2,000 per person By Road Buses and shared taxis are available from Haridwar, Rishikesh, and Dehradun to Gaurikund. The journey takes about 8 to 10 hours through beautiful mountain roads. Trekking to Kedarnath From Gaurikund, the Kedarnath trek spans about 16 kilometres. Ponies, palkis, and doli services are available for those who prefer not to walk. Pony ride: ₹3,000 to ₹4,500 per person Doli: ₹5,000 to ₹7,000 per person Porter: ₹1,000 to ₹2,000 The trek offers stunning views of snow-capped peaks and alpine forests, making it a spiritual as well as adventurous experience. Kedarnath Trip Package Cost Package prices vary based on departure city, duration, and inclusions such as meals, hotels, and transport. Budget Package: ₹9,000 to ₹15,000 per person (shared transport, basic stays, group tour) Mid-Range Package: ₹20,000 to ₹30,000 per person (comfortable hotels, meals, guide) Luxury Package: ₹35,000 to ₹50,000 per person (private cab, premium stays, helicopter option) If you choose to include nearby sites like Badrinath, Tungnath, or Guptkashi, costs may increase slightly but offer a complete Char Dham experience. Accommodation and Food Costs Accommodation options near Kedarnath are limited but sufficient for most pilgrims. Budget guesthouses: ₹1,000 to ₹2,000 per night Mid-range hotels in Guptkashi or Sonprayag: ₹3,000 to ₹5,000 per night Luxury stays near Phata: ₹7,000 to ₹10,000 per night Meals are simple and vegetarian, with dhabas and ashrams offering thalis priced around ₹150 to ₹300 per person. Ideal Duration and Best Time to Visit The Kedarnath Temple opens in April or May and closes by October or early November before snowfall.A 4 to 5-day trip from Haridwar or Rishikesh is ideal to cover travel, stay, and darshan comfortably. How to Choose the Right Kedarnath Package Check if the package includes transport from Haridwar or Dehradun. Confirm meals, hotel quality, and local guide services. Verify inclusion of permits and temple entry arrangements. For senior citizens, helicopter-inclusive packages are highly recommended. Can a Travel Loan Help? Pilgrimage trips like Kedarnath can involve high travel and accommodation costs, especially for families. Opting for a travel loan can make it easier to manage these expenses while allowing you to repay conveniently through EMIs. Final Thoughts The Kedarnath trip package cost generally ranges between ₹9,000 and ₹30,000 per person, depending on comfort and inclusions. Whether you choose to trek or fly by helicopter, the journey to Kedarnath is an unforgettable spiritual experience. With a little planning and smart budgeting, you can make this holy yatra peaceful, memorable, and financially manageable.
14-10-2025
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