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What is Working Capital and What Are its Types?

Working capital meaning is that it is the gap between a firm’s current assets and debt. It comprises cash that flows in and cash that flows out. It determines a firm’s flowing assets. It is used to make payments. It helps in keeping the trade running. Current assets and current debt are vital forworking capital. The net working capital equation is the difference between existing money and current debt. Current assets can be converted into money within one year. Current debt is a commitment. It must be settled within a banking year. It may seem easy, but a firm cannot function without income. A firm must ensure they have ample money to cover its entire costs. Many firms fail due to a lack of finances. They don’t fail because of a shortage of gain. Please read this article to learn about the meaning of many kinds of working capital. Also, read how to manage them. [B-01] Types of Working Capital Permanent Working Capital Permanent working capital meaning is the money needed to make duty payments. It is used to convert goods or contracts into cash. It is often referred to as the running cycle. Many firms need a continuous remedy to fill this void. It is the least money vital to run a trade. It is also known as fixed cash flow. It is also called hardcore working capital. Temporary Working Capital Temporary working capital meaning is the capital that a firm needs at certain times during the year. For example, this money may be crucial during the holiday. It is due to the trade’s urgent needs. This need is regarded as temporal. The changes are based on the tasks of the firms and market tasks. It also implies that you need a loan for a short time. It is helpful to finance your firm. You may return it as soon as the income starts. Gross Working Capital Gross working capital meaning is that it alone does not provide an accurate view of a firm’s short-term money health. It does not prove its running skill. To better grasp a firm’s working skills, compare its current assets to its existing debt. That is, how well a firm uses its short-term investments. It is used to fulfil everyday banking needs. Net Working Capital Net Working Capital refers to a firm’s current assets surpassing its debt. These assets include cash, due accounts, raw materials, and completed goods lists. Traders with enough functional capital may invest and develop. The firm’s net working capital level indicates the firm’s liquidity working skills short-term money stability Negative Working Capital A working cash flow loss indicates negative equity, which harms firms. This working capital occurs when a firm’s current duty outweighs its assets. In other words, cash flow is considered toxic. It is retained earnings that fall short of current debt. The firm’s fixed assets are thought to have been purchased. They are purchased with the surplus of the current debt above existing assets. As a result, it represents the amount of short-term funding. It is used to fund the firm’s fixed assets. Positive Working Capital The surplus of current assets to current debt is referred to as positive working capital. It denotes long-term money. It is utilised to finance a trade’s existing investments. It includes terms such as equity, preference shares, interest income, long-term debts, and debentures. Regular Working Capital A trade’s regular working cash flow is the smallest amount of money vital to undertake its everyday work. An example is making a bill for salaries and wages in months. Another example is driving all the costs. These costs are needed to produce the company’s raw materials. Reserve Working Capital Reserve working capital meaning is that it is a form of fund a firm keeps aside for income demand. Traders use such money as a buffer against market risks. The reserve cash flow is a short-term money contract. Trade units form it to handle shifts or concerns. Special Working Capital A marked cash flow credit is an increase in temporary cash flow. It results from an unusual incident. It is not fixed. It only occurs on rare occasions. For example, prize functions happen yearly. It has a crucial cash flow to cover outlays. Specific working capitalcredit is the most vital option. It helps to cover the entire cost of these events. Yet, large corporations and enterprises can get collateral loans. Most small traders cannot do so. Seasonal Working Capital This cash flow refers to the otherworking capital. It is vital for trade during the busiest season of the year. Firms that engage in the production of monthly items must maintain net working capital. It can be seen as a reserve working capital. It responds to market volatility and sudden changes. Working capital’s meaning is a short-term increase in cash flow. It is only apt to firms that are impacted by seasons, such as umbrella and raincoat makers. Monsoon is a good season for them. Usually, their demand for net working capital would grow during that time or season. It is because of an increase in revenues and demands. It results in a fall as the collection of debts exceeds sales. Calculating Net Working Capital Net working capital is computed by subtracting current assets from current debt. For example, if a corporation has $100,000 in total assets and $80,000 in current penalties. Its net working capital is $20,000. Cash, due accounts, and inventory are typical types of existing assets. Payables, short-term debt payments, and the current share of deferred revenue are examples of current debt. [B-02] Conclusion Working capital’s meaning is crucial since firms need to stay afloat. In theory, even if a firm is worthy, it may go bankrupt. After all, firms cannot rely on written earnings. To cover their bills, those bills must be paid in cash. A firm’s net working capital can be increased. It is done by optimising its current assets. It includes cash savings, increased checklist reserves, and prepaying bills. It leads to a cash discount. It also helps in choosing buyers to provide credit to. Piramal Finance is an online platform allowing you to learn everything about working capital’s meaning. For other facts about personal loans, credit cards and financial management, check out more blogs on their website!
08-11-2023
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Mutual Funds

What are Hybrid Mutual Funds?

Hybrid mutual funds allow investment in two or more asset classes in the same fund. Your money may be put into different asset classes based on your selection. Apart from shares and debts, your money can also get divided among other asset classes like Gold Commodities Real estate Arbitrage FD-like instruments Each mutual fund has a particular combination in which your funds get distributed between assets and risk factors. You can pick any hybrid mutual fund that suits you. [B-01] Types of Hybrid Mutual Funds There are different types of mutual funds in which you can invest your money in. How your money gets invested differs from one type of fund to another. So, the risks and expected returns vary from one fund to another. As an investor, you should understand the features of each type of mutual fund before choosing one. Equity-Debt Allocation In this category of mutual funds, your money gets distributed in different percentages between equity and debts. You can choose which fund to invest in depending on how much risk you want to take. Some popular funds in this category are: Aggressive Hybrid Fund – In this fund, around 65% to 80% of your money is allocated to shares. The remaining 20% to 35% gets distributed to FD-like instruments. There is a high rate of return and risk here as a big part of your money is invested in shares. Investors who lock in their money for more than three years can get meaningful returns. Conservative Hybrid Fund – Your money will be distributed between stocks and bonds in this fund. Around 75% to 90% of your funds will be kept in FD-like instruments and bonds. The remaining 10% to 25% of your money will be held in stocks. This fund carries less risk as most of the money is in FD-like instruments and bonds. You will also earn higher returns than the bank’s FD rate for the same investment period. A 2 to 3-year investment in this fund may give you good returns. Equity Savings Fund – Your money will be divided equally among stocks, debts, and arbitrages. Fund managers will buy and sell stocks in different markets to minimise risk. You should invest in this fund for two to three years to get better returns than the bank FD rate. This hybrid fund best suits investors who want stable returns and low risk. Solutions Some people want to take less risk but want a high return on their investments. The mutual funds listed below are ideal for such investors. These funds carry medium risks and may give satisfactory returns. Dynamic Asset Allocation Fund – This fund is also called a Balanced Advantage Fund. In this fund, your money gets divided between debts and shares. Your fund managers will increase or decrease your portfolio depending on the market. The main aim here is to give you good returns on your investment. A lock-in period of more than three years will help you to get a profitable return. Multi-Asset Allocation Fund – Your money will be distributed among three asset classes. You can choose how much you want to invest in each asset class. You can put in a minimum of 10% or a maximum of 80% in one asset class. You can invest in gold, debt, equity, or real estate. You can also invest in any other asset class allowed by SEBI. Holding your money in this fund for more than three years can give your good returns. Others The Arbitrage fund is the only fund listed in this category. This fund has a special feature that makes it unique. In this fund, your money is invested in both the cash and the future market. Arbitrage Fund – You can earn good returns with this fund by buying and selling shares in two markets. Your fund managers will buy stock from the cash market at lower prices. This stock will be sold for a higher price in the futures market. This fund has a lower risk even though your money is in the share market. This is because the fund managers will know the stock prices in both markets. In this fund, around 65% of your money is put in shares and other instruments. You need to leave your money in this fund for 1 to 3 years to get profits. Benefits of Hybrid Mutual Funds Diversity – You can distribute your money within a single asset class. You can put your funds in shares, debts, gold, real estate, or arbitrage. With a single investment, you can get exposure to different asset classes. Medium-term goals – Hybrid funds are a great choice for investors who have medium-term goals. You can get good returns even if you invest for just three years. These funds carry low risk and are ideal for beginners. Better returns – Investors often get better returns on hybrid funds than the bank FD rate. When you compare your returns to the bank FD rate on your deposits for the same duration, you will see that your returns are higher than the bank rate. Lower risk – Hybrid funds carry a lower risk than other investments. This is because here, your money gets divided among different asset classes. This helps to lower the risk and increases the chances of earning good returns. Due to this reason, hybrid funds are the best investment option for beginners. Professional management – There is less stress when you invest in a hybrid fund. Your fund managers will keep track of your money for you. You don’t need to check the share markets and make transactions. Your fund managers will do this job for you to ensure good returns. They will monitor the share market to keep track of your investments. Your fund managers will buy and sell shares depending on the market conditions. [B-02] Conclusion Read more related blogs on the Piramal Finance website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators. You can learn more about hybrid funds and can speak or chat with our financial advisors to clear your queries. You can also ask them to suggest the best hybrid mutual fund for you. Log in to the Piramal Finance website for more details.
08-11-2023
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GST

How to Make GST Payments Online in India?

Firms must calculate the amount of tax to be given in cash after removing the input tax credit. The GST payment process was implemented so that all taxpayers pay GST the same way. Each self-employed person or company owner active in purchasing and selling items & services must file GST returns daily. The main goal of the whole GST online payment procedure is to ensure transaction openness & access. This article explains the steps to take to complete the GST payment. [B-01] What Exactly Is GST payment? The GST payment refers to the deposit of the GST amount owed by the firm regularly. It is among the most vital needs for a firm to stay legal. Per the norms, each listed regular taxpayer must pay GST on the 20th of each month. He must also fill GSTR-3B form monthly. GST payments may be made online, ensuring a smooth and fair process. Different payment systems apply to different types of taxpayers. Different types of taxpayers must adopt some payment systems, as shown below: Ordinary Taxpayer The PMT-06 challan is vital for normal taxpayers to make cash ledger payments. This is needed when they file the GSTR-3B, which contains all the vital details. They may also induce the challan & make payment before or after logging in. Quarterly Taxpayer This type covers taxpayers who have opted for the QRMP Plan. The tax for the initial two months of the quarter will be submitted via the PMT-06 challan. The payment will be paid during the quarter’s final month when filling out the GSTR-3B. In the first & 2nd months of the quarter, the tax has to be paid by the 25th of the following month. Taxpayer with No GST Return Such taxpayers have no buy, sale, or tax due for the period, whether it be month or quarter. As a result, they are not forced to pay or create a challan. A Taxpayer Who Is Part of the Composition Plan These taxpayers must describe their quarterly sales or turnover & create the CMP-08 challan to pay tax. In the Composition Scheme, for instance, the tax due for the April — June quarter must be paid by the 18th of June. How Can a Person Pay Their GST Online? Below is a step-by-step guide to making the GST payment digitally. Set off the tax due with the credit in the digital credit sheet. Put money in the digital cash ledger to cover the rest tax duty. Make a challan for GST payment – A challan for GST payment may be made via Form GST PMT-06 from the GST payment site. The challan must include the sum paid for interest, tax, fees, fine, or any other sum. The printed challan would be usable for 15 days. Submit the GST payment via the below methods: Internet banking via approved banking firms. Approved banks accept credit or debit cards. Any bank may use National Electronic Fund Transfer or Real Time Gross Settlement. OTC (Over The Counter) payment by approved banks for payments. Cost is up to Rs10,000 per challan every tax period, in a cheque, cash, or Demand Draft. CIN creation & credit to digital money ledger – when a dealer’s payment is paid to the relevant federal account, the Challan Identification Number is produced. It is shown on the challan on the GST site. The money would be paid to the person’s Digital cash ledger upon receipt of a CIN. Later Completion of GST Online Payment The taxpayer can finish the payment using a debit or credit card. Payment is made via net banking or at a later date on an earlier filed challan by making these moves: Step 1: Upon login to the GST site. You must Navigate to the ‘Services’ page, then ‘Payment,’ and finally ‘, Challan history.’ Step 2: From the set of CPINs given, pick the right CPIN by clicking on the hyperlink. Step 3: Select a bank from the lists of bank names given in the dropdown menu. As desired, finish the payment via credit, debit card, or net banking. Step 4: After properly completing the payment, the CIN receipt is given. The digital cash ledger is also automatically revised. Creating a GST Challan Using the GST Site On the GST site, the user may issue the challan in two aspects. Users can do this with or without signing in to their GSTIN profile. The following actions must be taken before entering into the GST system to create a challan: Pick the ‘Payments’ tab on the GST portal’s site. It is under the services category, & then tap on ‘Create challan.’ In the event of a normal taxpayer, enter the GSTIN. Users can enter the ID of a temporary person or tax filer. Enter the captcha code. Fill in the blank columns with the proper amount for SGST, IGST, or CGST. Pick the relevant payments system & bank from the listed choices. Re-enter the GSTIN or ID for challan creation & click ‘Proceed.’ To download the created challan, pick the ‘Download’ tab. Deadline for Making a GST Online Payment Users must calculate the deadline for GST payment from the day of challan generation. In contrast, offline payments may be made 15 days after the challan is generated. Online payments must be made instantly. The below steps must be followed during challan creation in the event of GST online payment: Net banking should be selected as the payment method. After choosing the bank’s name, tap on the ‘Generate challan’ tab. The Common Portal Identification Number will be issued as a result. If a challan is created without signing in, taxpayers should pay it immediately. If a challan is created after logging in, the taxpayer has up to 15 days to complete the payment. [B-02] Wrapping Up In brief, the GST payment method & GST payment plan are vital for every folk to stay compliant. To make GST payments online on time & continue their work in a hassle-free way. Every firm must be aware of the required GST payment forms. The firm must perform the proper GST payment calculations. They must keep to the GST payment dates, & properly pass the relevant GST payment tokens in their records. One may pay their GST either offline or online at their leisure. For more related data, visit the Piramal Finance website and explore the services and products on offer, like credit cards and personal loans.
08-11-2023
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Dream Mobile

Refurbished Apple iPhones At Low Prices Online

The Apple iPhone is the most desired smartphone in the market today. Apple’s iPhones are often considered to be the greatest smartphones in the market due to their speedy processing, constant software updates for several years, attractive form factors, superior camera quality, and user-friendly ecosystem. The iPhone is a trustworthy device that aids professional and personal endeavours alike. A brand-new iPhone, though, may be priced out of your range. If you want to get your hands on an iPhone but are concerned about the price, our list of the best-refurbished iPhones may be just what you need. [B-01] Refurbished iPhones are identical in performance and reliability to brand-new ones. You can save even more money by purchasing a refurbished phone, which is one of the lesser-known items available on EMI. Do you have trouble deciding which iPhone to buy? Just relax! Look no further for a list of the top-rated refurbished iPhones on the market! Here is a collection of the best-refurbished iPhones currently available. Buy the perfect Apple iPhone refurbished from the options below. 1. Refurbished iPhone SE (2nd Generation) Apple launched the next-generation iPhone SE in April 2020. Not too long ago, the second-generation iPhone SE was released. It has a fast processor, a lot of features, and a traditional home button with Touch ID. The iPhone SE is the smallest and least expensive iPhone model you can buy right now. The SE is a great choice if you want a small phone with cutting-edge features, a good camera, and the ability to use two SIM cards at once. All of the biggest online stores sell refurbished iPhone SEs in great condition at substantial discounts. iPhone SE 2020 features: Display: 4.7-inch Retina HD screen with True Tone and playback support for Dolby Vision and HDR 10. Processor: Apple A13 Bionic RAM: 3 GB Storage: 64 GB, 128 GB, and 256 GB Battery: 1821 mAh, Camera: 12MP wide-angle camera on the back with f/1.8 aperture and support for Portrait Mode, Portrait Lighting, and next-generation Smart HDR. The back camera can record 4k video at up to 60 frames per second. Connectivity: 4G, Bluetooth, GPS, WiFi, Hotspot, USB 2.0 OS: iOS PROSCONSEasy portabilityOne back-facing cameraSuperior camera performance in natural lightAverage battery lifeAllows for the latest iOS upgrades The average price is Rs 30,000 2. Refurbished iPhone 11 Apple released the iPhone 11 in September 2019. Despite being the affordable 11th-generation iPhone, the model is impressively high-end. The A13 Bionic processor from Apple sets this phone apart. It’s a good buy considering the quality of the camera and screen. Specifications: Display: Liquid Retina HD display. All-screen LCD multi-touch display with IPS technology that is 6.1 inches across. 1792 by 828 pixels and 326 pixels per inch (PPI). Processor: A13 Bionic Chip RAM: 4 GB Storage: 64 GB, 128 GB, 256 GB Battery: 3110 mAh Camera: Dual camera 12MP wide camera, 12 MP ultrawide camera, 12 MP selfie camera OS: iOS 13 ProsConsLong-lasting battery lifeCharging is slowSuperb results from the cameraHigh costDimmer setting The average price is Rs 35,499 3. Refurbished iPhone XS Apple’s iPhone XS smartphone was released in September 2018. It has a high-quality camera and durable construction. It has a brilliant display and a powerful A12 Bionic processor, making for an outstanding visual experience. If you’re looking for an iPhone refurbished mobile phone, this is a great option. Specifications: Display: Super Retina HD display. All-screen OLED Multi-Touch display with a diagonal size of 5.8 inches. Processor: A12 Bionic Chip RAM: 4 GB Storage: 64 GB, 128 GB, 256 GM Battery: B2658 mAh Camera: Dual Camera: 12 MP + 12 MP, selfie camera of 7 MP OS: iOS 12 ProsConsCrisp, clear screenHigh priceSupports Dual-SIMSluggish charging speedHigh-quality, and extremely dependable cameras The average price is Rs 50,000 4. Refurbished iPhone XS Max The XS Max, which Apple released in September 2018, is the most expensive phone in its X line. You get the best of both worlds with the iPhone XS Max: powerful and stunning. The XS Max is the best choice if you want a powerful phone that you can get for your money. A refurbished XS Max is the way to go if you want one of the best phones on the market but don’t want to spend as much. Specifications: Display: Super Retina HD display. All-screen OLED Multi-Touch display with a diagonal size of 6.5 inches. Processor: Hexa Core Apple A12 Bionic Processor RAM: 4 GB Storage: 64 GB, 128 GB, 256 GB Battery: 3174 mAh Camera: Rear camera 12 MP + 12 MP, front camera 7 MP OS: iOS 13 ProsConsExtremely high-quality camerasExpensiveTo use two separate mobile phone networks simultaneouslyQuite difficultExcellent performanceIndia’s average performance for first-party apps The average price is Rs 43,000 Overall best Refurbished Apple iPhones Overall, iPhone 11, iPhone XS, iPhone 8, iPhone SE, iPhone XR, iPhone 8 Plus, iPhone 7 Plus, and iPhone XS Max are the best refurbished Apple iPhones available in the market. Their price ranges from Rs.18,000 to Rs. 50,000, [B-02] Conclusion Now that you’ve looked at our list, it’s time to buy the best Apple iPhone that meets your needs and fits your budget. The Piramal Group is a multinational company that works in many different fields around the world, such as the pharmaceutical industry, the financial sector, and the property development industry. The Piramal Group is dedicated to growth that benefits everyone and is based on ethics and values. Read more related blogs on the Piramal Finance website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Cards

All you need to know about different types of credit card in India

What are Credit Cards? A credit card is a financial tool that allows customers to borrow money. The customer uses borrowed money to buy goods and services up to a specific limit. The customer repays the funds at the end of each month. If you want one, know about the various types of credit cards available in the market. Choose a credit card according to your need. [B-01] The different types of credit cards include Fuel Credit Card Travel Credit Card Business Credit Card Entertainment Credit Card Platinum Credit Card Balance Transfer Credit Card Credit Card for Women Virtual Credit Card Read on to understand these different types of credit cards in detail. 8 different types of Credit Cards Fuel Credit Cards: For every transaction, you earn some reward points. These reward points are the fuel points that can be used for refuelling. Moreover, banks offer cashback and free fuel offers. Benefits: You can use these fuel points for extra petrol You also get activation bonuses You can also get entertainment benefits, dining offers, hotel and wellness offers, etc These cards are most useful for daily train and metro commuters Some Fuel Credit Cards are: IndianOil Citibank Platinum Credit Card IndiaOil Citibank Titanum Credit Card 2. Travel Credit Cards: Travel credit cards allow you to enjoy travel benefits. Every time you book travel through these cards, you get a chance to win travel points for your next trip. Benefits: You can redeem these for your hotel stay These cards also offer some non-travel-related benefits You can avail the benefits of travel credit cards not only in India but also abroad Some Travel Credit Cards are: JetPrivilege IndusInd Bank Odyssey Credit Card JetPrivilege HDFC Bank World Credit Card Citibank PremierMiles Credit Card Standard Chartered Emirates Platinum Credit Card Business/Corporate Credit Cards: Businesses, corporates, or financial institutions use business credit cards to separate their personal and business expenses. Moreover, the company allows its employees to enjoy the benefits of a credit card. Benefits: The benefits of using corporate cards include hotel stays and travel deals You can get insurance, discounts on fuel, and a free airport area You also get business savings plans, expense management, etc Some Business Cards are: HDFC Corporate Platinum Credit Card SBI Platinum Corporate Credit Card Kotak Corporate Platinum Credit Card Axis Bank MY Business Credit Card Entertainment Credit Cards: The entertainment credit card is the most enjoyable. Using these cards gives you discounts and rewards for entertainment purposes. Benefits: Every time you swipe, you earn a cashback or a “buy one, get one free” deal You can use rewards or discounts on other purchases, such as movie tickets and concert tickets They are also beneficial for amusement park tickets and other events Some Entertainment Credit Cards are: Kotak PVR Gold Credit Card Kotak PVR Platinum Credit Card HDFC Titanium Times Credit Card Platinum Credit Cards: It is the most useful card, as it gives you many privileges and offers. But, this card’s annual, joining, and renewal fees are higher than other types of credit cards in India. Benefits: Use Platinum credit cards for lifestyle, shopping, dining, and entertainment offers. Besides, these cards offer gift vouchers, accelerated cashback, reward points, and much more which add to the merit of having it. Some Platinum credit cards are: IndusInd Bank Platinum Select Credit Card SBI Advantage Platinum Credit Card Tata Platinum Card 6. Balance Transfer Credit Cards: If you have a high-interest credit card in your hands and it is difficult for you to pay the debt, you can transfer the available amount into the Balance Transfer credit card. This will make it easier to pay off debts. Benefits: Balance transfer credit cards have low-interest rates. The low-interest rates will make it easy to clear debt payments. Some banks offer an introductory 0% interest rate on this credit card. Some Balance Transfer credit cards are: ICICI Bank Balance Transfer Credit Card SBI Balance Transfer Credit Card HDFC Balance Transfer Credit Card Credit Cards for Women: Some banks design credit cards only and especially for women. These cards offer special benefits for women. Benefits: Every time you make a transaction using this credit card you can get shopping vouchers and reward points You can also enjoy fuel points, bonus reward points, insurance benefits, etc. Some credit cards for women are: HDFC Bank Solitaire-Premium Women’s Credit Card Kotak Mahindra Bank’s Silk Inspire Credit Card Citibank Rewards Credit Card 8. Virtual Credit Cards: A Virtual Credit Card (VCC) is the most convenient type of credit card because it provides easy transactions and security. Virtual credit cards have an online existence and are useful only for online transactions. Benefits: Virtual credit cards have no physical existence. That is why there are lesser chances of fraud They make sure online transactions are easy and safe The CVV(Card Verification Value) of these cards remains the same all year Some Virtual Credit Cards are: HDFC Bank Netsafe Card ICICI Bank Virtual Credit Card SBI Virtual Credit Card [B-02] Conclusion There are different types of credit cards in India that give different benefits. Before applying for one for yourself, read about the benefits and rewards offered. But, there are Terms and Conditions applicable on these credit cards. Go through them and choose the best one for yourself. In case of any doubts, consult a financial expert like Piramal Finance and get easy and customised credit cards and personal loan solutions.
08-11-2023
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Home

Buy Centre Tables Online At The Best Prices

Have you been thinking of buying a centre table for your living room? If you have, then you are in the right place. This article will help you choose the perfect centre table by making you aware of some important things. A centre table can be used as a standalone piece or as an addition to other furniture pieces. The best thing about a centre table is that it can be customised to suit your style and taste. [B-01] The first thing that matters when buying a centre table is its size. It should be neither too big nor too small. The second thing is to choose a colour that matches the rest of your furniture and décor. Third, make sure that it is sturdy enough to withstand any kind of wear and tear without getting damaged easily. Here are the best centre tables online, available at the best price right now. Consider this list to find one that fits your aesthetic the best. Home Centre Clary-Brown Solid Engineered Wood Center Table PriceINR 2,999Product Dimensions45x110x60ColourWalnutShapeRectangleBrandHome CentreSpecial featureStorage Home Centre Clary-Brown Solid Engineered Wood Center Table has a classy design. This table has been made with precision using high-quality materials. The table is available in different sizes, shapes, and designs. It can be used to make your living room or dining room look beautiful. The table is easy to clean and maintain. It can be easily assembled without any hassle. It is ideal for use as an end table as well. You can place decorative items on top of it and use it as a side table for storing books, magazines, or DVDs. You can also use this centre table for placing lamps so that they are within reach when you need them during the day. Vudy Mango Wood Walnut Finish Handmade Carving Classic Side Table for Living Room PriceINR 1,999Product Dimensions36×35.5×36ColourBrownShapeSquareBrandVudySpecial FeatureSpace saving Vudy is a brand that specialises in furniture-making and home decor. Their products are designed to be ideal for any room in your home, be it the living room, bedroom, kitchen, or bathroom. The table features a clean design, which makes it fit seamlessly into any room setting. The simple structure does not require any assembly. It can be directly placed in any small space in the room. BLUEWUD Victor Engineered Wood Rectangular Shape Coffee Table/Centre Table with Storage PriceINR 3,985Product Dimensions44×99.6×45ColourWalnutShapeRectangleBrandBLUEWUDSpecial FeatureStorage The Victor Coffee Table is the perfect addition to your living space. It’s simple, elegant, and functional, with a distressed finish that enhances its beauty. This centre table has ample storage space to keep all your essentials in one place. The main material of this coffee table is engineered wood, which gives it the stunning look of natural wood with none of the maintenance or upkeep required by real wood. The edges are rounded for safety and comfort. It has good storage space, allowing you to keep your magazines, remote controls, books, and other essentials handy. The centre table can be used as a side table or a standalone piece of furniture. Klaxon S Shape Engineered Wood Coffee Table/Centre Table PriceINR 2,061Product Dimensions90x40x40ColourBlackShapeRectangleBrandKlaxonSpecial FeatureSpace saving The Klaxon S Shape Engineered Wood Coffee Table/Centre Table is a modern and contemporary coffee table that has been designed to add a touch of elegance and style to any living room or dining room. The Klaxon collection has been manufactured by skilled craftsmen who have used their experience to create this great furniture item. If you’re looking for a modern centre table, then this piece will be ideal. It’s great for placing in the middle of your living room or dining room, but it can also be used as an end table in smaller spaces. Pranjals house Wood Iron Round Black Hand Painted Coffee Table PriceINR 4599Product Dimensions60x45x45ColourBlackShapeRoundBrandPranjal’s HouseSpecial FeatureAntique This Pranjals House Wood Iron Round Black Hand Painted Coffee Table is a beautiful piece of furniture that will add a touch of class to any living space. The table is made out of solid wood, which is sturdy and durable. It has a round shape and has been hand-painted in black, giving it a unique look. The table can be used as a coffee table to store things like magazines and books. This table also makes an excellent gift item for someone special. The top surface is made of wood and has an iron frame below it, which makes it look very attractive. This table can be used in your living room or bedroom, as well as in your office area. It can also be used as a decorative piece on your patio or garden when you are having guests over for a party or just hanging out with your family members at home. Overall Best Centre Table Online at Best Price The Klaxon S Shape Engineered Wood Coffee Table/Centre Table is overall the best centre table available online. The wood is of high quality, and the design is simple yet elegant. The table has a great price as well, which makes it an excellent choice if you are looking for a good-quality centre table at a reasonable price. [B-02] Last Words When searching for the best centre table, make sure that you consider your requirements. How many people will be sitting around your table? What type of furniture do you have in your home? These are all questions that need to be answered before you purchase a centre table. Read more blogs like this on the Piramal Finance website to learn more about our financial products and services, especially those about personal loans, credit cards, and financial calculators.
08-11-2023
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Dream Mobile

Upcoming Mi Mobile Phones in 2022 with Price

It’s 2022, and mobile phones are so advanced that they can almost do everything. Technology improves people’s lives in huge ways, and to meet this ever-growing demand for better mobile phones, there are now a lot of brands and models. Xiaomi is a well-known brand that makes high-end phones sold all over the world. The brand recently announced its upcoming mobiles to compete with the market. Mi mobile phones are a great choice for anyone looking for some of the best and most powerful smartphones. To know more, check out the list of upcoming mobiles from Xiaomi. [B-01] Budget Range Redmi Note 11 SE 5G Xiaomi’s Redmi Note 11 SE 5G is a new Redmi phone that meets every user’s needs. The screen is very stunning, and the hardware is quite reliable. The Xiaomi Redmi Note 11 SE 5G will most likely come out on November 23, 2022. This device will come in a lot of different colors. Specifications: Display: 6.5-inches IPS Processor: Mediatek Dimensity 700 Chipset RAM: 4 GB Storage: 128 GB Camera: 48 MP dual rear camera set-up and 8 MP front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.1, USB type-C Battery: 5000 mAh battery with an 18W fast charger Redmi Note 11R The Redmi Note 11R is one of the best phones coming out soon. It has most of the features that people want in a smartphone. The device has a powerful battery and a 5G processor. Its RAM pair technology makes it easy and stable for users to play games. Specifications: Display: 6.5-inches IPS and 90 Hz refresh rate Processor: Mediatek Dimensity 700 Chipset RAM: 6 GB Storage: 128 GB Camera: 13 MP triple dual camera set-up and 5 MP front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.2, USB type-C Battery: 5000 mAh battery Upper Mid-Range Xiaomi Civi 2 The Xiaomi Civi 2 has a lot of great features. These include a 120Hz screen, a Snapdragon processor, a massive battery, and much more. It has an OLED screen, making it ideal for binge-watching movies and playing video games. The device’s Dolby Atmos stereo speakers make it a treat for music lovers. Specifications: Display: 6.5-inches OLED Processor: Snapdragon 7 Gen 1 RAM: 8 GB Storage: 128 GB Camera: 50 MP Triple rear camera set-up (50MP+20MP+2MP) and 32 MP dual front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.1, USB type-C Battery: 4500 mAh battery with 67W fast charger Redmi Note 11T Pro Plus The Redmi Note 11T Pro Plus 5G has many exciting features like high refresh rates, dual 5G support and AI cameras. This new Redmi mobile is a great choice for a smartphone. It is one of the best upcoming mobiles. It has a lot of internal storage space, robust hardware and 120W fast charging. Specifications: Display: 6.5-inches IPS with a 144 Hz refresh rate Processor: Mediatek Dimensity 8100 Chipset RAM: 8 GB Storage: 128 GB Camera: 64 MP triple rear camera set-up (64MP+8MP+2MP) and 16 MP front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.3, USB type-C Battery: 5080 mAh battery with 120W fast charging Redmi K50 Ultra Redmi K50 Ultra is a good choice for those who need to work quickly, correctly, and on time. Its eye-catching display and powerful battery will perform well. The device is also the best choice for taking pictures and having fun. It is the best Redmi phone on the list of upcoming Mi phones. Specifications: Display: 6.67-inches AMOLED Processor: Snapdragon 8 Gen 1 RAM: 8 GB Storage: 128 GB Camera: 108 MP Triple rear camera set-up (108MP+20MP+2MP) and 20 MP front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.2, USB type-C Battery: 5000 mAh battery with a 120W fast charger Premium Range Xiaomi 12T Pro 5G The Xiaomi 12T Pro 5G is an impressive piece of technology. It has smart camera features, beautiful graphics, and long battery life. The high-powered chipset and 8GB RAM all work together to give customers the best experience possible. Specifications: Display: 6.67-inches AMOLED Processor: Snapdragon 8 Gen 1 RAM: 8 GB Storage: 128 GB Camera: 200 MP Triple rear camera set-up (200MP+8MP+2MP) and 20 MP front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.2, USB type-C Battery: 5000 mAh battery with a 120W fast charger Xiaomi 12S Ultra The Xiaomi 12S Ultra is one of the best high-end upcoming mobiles for business use. The device’s hardware and software make it a full-fledged entertainment center. It has a good camera system with many helpful upgrades. The expected release date for the Xiaomi 12S Ultra is November 20, 2022. The phone will come in several different colors. Specifications: Display: 6.73-inches AMOLED Processor: Snapdragon 8 Plus Gen 1 RAM: 8 GB Storage: 256 GB Camera: 50 MP Triple rear camera set-up (50MP+48MP+48MP) and 32 MP front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.2, USB type-C Battery: 4860 mAh battery with a 67W fast charger Xiaomi Mix Fold 2 5G The Xiaomi Mix Fold 2 5G is a great phone with a large, responsive screen. So, people can use the product for a wide range of tasks at home and on the go. It stands out because of its 256GB of internal storage and 67W Fast Charging battery. Specifications: Display: 8.02-inches AMOLED with 120Hz refresh rate Processor: Snapdragon 8 Plus Gen 1 RAM: 12 GB Storage: 256 GB Camera: 50 MP Dual rear camera set-up (50MP+13MP) and 20 MP front camera Operating System: Android v12 Connectivity: 5G, Dual VoLTE support, Bluetooth v5.2, USB type-C Battery: 4500 mAh battery with a 67W fast charger Price List & Expected Launch Dates Upcoming Mi MobilesExpected Launch DateExpected PriceRedmi Note 11 SE 5G23 November 2022Rs. 11,690Redmi Note 11R29 December 2022Rs. 12,590Xiaomi Civi 224 November 2022Rs. 27,290Redmi Note 11T Pro Plus17 November 2022Rs. 23,290Redmi K50 Ultra7 December 2022Rs. 35,390Xiaomi 12T Pro 5G15 December 2022Rs. 60,490Xiaomi 12S Ultra20 November 2022Rs. 70,690Xiaomi Mix Fold 2 5G20 November 2022Rs. 1,06.290 [B-02] Wrapping Up Xiaomi is one of the most well-known and prominent brands in the smartphone market. Since 2010, the company has made various smartphones at different price points. Some of the hardware in the MI phones is high-performance, like the Qualcomm Snapdragon chipset. Also, Xiaomi is known for having affordable prices. It has many modern features, like high-quality cameras, fast charging, immersive screens, and long battery life. This list of upcoming mobiles will help users pick their favourite smartphone. Piramal Finance is a great financing option for those who want to buy a new phone. Visit their website to learn more about the products and services they offer, such as personal loans, EMI, credit cards, etc.
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Upcoming Samsung 5G Mobile Phones In 2022

When it comes to smartphones, Samsung is a popular choice in the Indian market. Offering phones in every range, Samsung phones come with great specs, premium looks, and an excellent user experience. Long-lasting battery, expandable memory, fast processors — they have it all! However, with rapidly changing technology, selecting the best phone for yourself can be difficult. With the 5G network rolling out in India, everyone wants an upgrade. That is why we have curated this list of upcoming Samsung 5G phonesfor you to choose from, along with expected prices, specifications, and other details. [B-01] Samsung Galaxy A23 5G While there is already a Samsung Galaxy A23, its upgraded version, the Samsung Galaxy A23 5G is yet to be launched. The phone will feature a 6.4-inch HD+ display. To enhance the user’s viewing experience, it is rumoured to have a 20:9 aspect ratio and a screen-to-body ratio of 82.68%. The Galaxy A23 5G will have four cameras, including a 50MP primary camera. Specifications: Display: 6.4-inch, HD+ display Processor: Qualcomm Snapdragon 695 (octa-core) Ram: 6GB Storage: 128 GB with microSD, Up to 1 TB (Dedicated) Battery: 5000 mAh Cameras: Quad camera rear (50MP, 8MP, 2MP, 2MP) and a 13MP front camera Connectivity: Wi-Fi, 5G, Bluetooth 5.1, 4G VoLTE, USB OTG, and GPS with GLONASS. OS: Android 12 with One UI Price: INR 24,390 (expected) Samsung Galaxy M23 5G Samsung Galaxy M23 5G is another upcoming Samsung 5G phone in India. It features a 6.4-inch AMOLED display with a water-drop notch at the top. The phone will have a 20:9 aspect ratio and a 412 PPI pixel density. There is a side-mounted fingerprint sensor and face unlock support. This Samsung 5G mobile comes with a 5000 mAh battery that supports 25W fast charging. Specifications: Display: 6.4-inch AMOLED, Full HD+ Resolution Processor: Qualcomm Snapdragon 750G (octa-core) Ram: 6GB Storage: 128GB with microSD, Up to 1 TB (Dedicated) Battery: 5000 mAh Cameras: Triple camera rear (50MP+8MP+2MP) with an 8MP front camera Connectivity: 4G VoLTE, 5G, Wi-Fi 802.11 b/g/n/ac, Bluetooth v5.1, GPS, OTG support, and a USB Type-C port. OS: Android 12 with One UI Price: INR 21,999 (expected) Samsung Galaxy Xcover 6 Pro Another Samsung 5G mobile that features great cameras and expandable storage. The phone has a 6.6-inch PLS LCD screen with a 20:9 aspect ratio and 400 PPI pixel density. With a Qualcomm Snapdragon 778G processor and 6GB of RAM, the phone offers smooth performance. For its graphical performance, the phone uses an Adreno 642L GPU. Specifications: Display: 6.6-inch PLS LCD Processor: Qualcomm Snapdragon 778G (octa-core) Ram: 6GB Storage: 128GB Battery: 4050 mAh Cameras: Dual camera read (50MP+8MP) with a 13MP front camera Connectivity: dual-SIM support, 5G, 4G VoLTE, Wi-Fi, Mobile Hotspot, Bluetooth v5.2, GPS, A-GPS with Glonass, an infrared sensor, and a 3.5mm audio jack. OS: Android 12 with One UI Price: INR 51,990 (expected) Samsung Galaxy S22 FE 5G The Samsung Galaxy S22 FE 5G can be a game-changing Samsung 5G phone in India. It is rumoured to come out with a 6.4-inch Dynamic AMOLED display with 411 PPI pixel density and a punch-hole design at the top. There will be a triple camera (rear) setup with 8 GB of RAM and a 120 Hz refresh rate. This Samsung 5G phone also features a 32MP front camera. It will be a great choice for people who click a lot of selfies, take video calls, or record videos from their front camera. The phone might get an IP68 rating, making it dust- and water-resistant. Specifications: Display: 6.4-inch Dynamic AMOLED display Processor: Samsung Exynos 2100 (octa-core) RAM: 8 GB Storage: 128 GB Battery: 4200 mAh Cameras: Triple camera rear (12MP+8MP+12MP) with a 32MP front camera Connectivity: Wi-Fi, 5G, Bluetooth 5.2, 4G VoLTE, USB OTG, NFC, and GPS with GLONASS. OS: Android 12 with One UI Price: INR 51,999 (expected) Samsung Galaxy F44 Galaxy F44 is a budget Samsung 5G mobile soon to be launched in India. It will feature a 6.4-inch Super AMOLED display. There will be a triple rear camera setup with a 32-megapixel front camera, making it an excellent choice for selfies, video calls, and video shoots. Packed with 8 GB of RAM, 128 GB of internal storage, and a 6000 mAh battery, the phone will surely be a highlight among Samsung 5G phones in India within this price range. It will have a rear-mounted fingerprint scanner and a face unlock feature as well. Specifications: Display: 6.4-inch Super AMOLED display Processor: Samsung Exynos 9 Octa 980 (octa-core) Ram: 8GB Storage: 128 GB Battery: 6000 mAh Cameras: Triple camera rear (64MP+8MP+5MP) with a 32MP front camera Connectivity: Wi-Fi, 5G, Bluetooth 5.2, 4G VoLTE, USB OTG, and GPS with GLONASS OS: Android 12 with One UI Price: INR 11,990 (expected) [B-02] Conclusion Based on your usage, requirements, and budget, you can choose any of the mentioned Samsung 5G phones from the list. We have included phones based on price range, camera performance, battery usage, and other extraordinary features. Many new Samsung 5G phones will soon be coming out on the market. There will even be upgrades for pre-existing series, like the A series and the M series. So, buy your next smartphone accordingly! For simple financial solutions, you can head over to Piramal Finance and learn more about the services and offerings, such as personal loans, EMIs, credit cards, and more.
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Online Lump Sum Investment Plan Calculator

If you plan on investing your money in a mutual fund, there are two options available, i.e., systematic investment plan (SIP) and lump sum investment. In SIP, you invest a fixed amount every month in the mutual fund, whereas under the lump sum option, you invest a huge amount in one go. Many investors prefer the lump sum mode as it is a simple method. If you are also looking to make a lump sum mutual fund investment, using a lumpsum investment calculator will be useful. Using this tool will help you know your investments in a better way. Read on to learn more about using a lumpsum calculator. [B-01] Benefits of Lumpsum Investment Many investors choose lumpsum investment as their preferred option because it is effortless. Though, there are many other benefits of the lumpsum investment that you must know about. Some of the best benefits are listed here for you: Easy to understand: Unlike a SIP, in a lumpsum investment, you do not need to have deep knowledge of finance. It is simple to learn and takes only some basic skills to execute. You can use this option even if you are new to investments. Last-minute tax savings: Lumpsum investment in ELSS schemes allows you to save on your income tax. Under Sec 80C of the Income Tax Act, 1961, you can avail of tax deductions of up to Rs. 1.50 lakhs for investing in ELSS mutual funds. Good returns: As you invest this amount as a lump sum, you earn interest for the entire year. This benefit enables you to earn a good return on your money, helping you create wealth for the future. Long-term investment: You can use this option to plan long-term investments. It is an ideal option for investors who want a longer tenure. Simple to invest: In lumpsum investments, you do not need to keep a track record of the dates like SIP. Here you can invest the money as and when you like. No penalties can be levied in case of any delays. Easy to calculate: You can easily calculate key aspects of your investment in the case of lumpsum investment as compared to SIP. There is no need for complex formulas to complete the calculations. What is a Lumpsum Calculator? A lumpsum investment calculator is a free online tool that helps you check the returns you can make on your lumpsum investments. It is widely used for planning lump-sum mutual fund investments. Having a simple interface, a lump sum SIP calculator enables you to enter basic details to get useful details on planned investments. Some details required in a lumpsum calculator are the investment amount, period, and annual rate of return. Within a few seconds, the calculator will provide the required data on the screen. You can then make your decision based on this information. How to use a Lumpsum Investment Calculator? Before you use a lump sum SIP calculator, it will be useful to know how to use a lumpsum calculator. Only some basic details are required to get the desired information. Here are the steps you must follow to use this lumpsum investment calculator: – Log on to your preferred online platform or mobile app featuring a lumpsum calculator. Click on the link for the lump sum SIP calculator. Firstly, you must enter the amount you want to invest as a lump sum. Then, you must enter the duration for which you need to invest the money. Now, you should enter the expected rate of interest. You will now see the required details on your screen in the form of the total amount and interest earned during the period. You can see the results in table or graph form on some platforms. Benefits of Using a Lump Sum Calculator With the help of a lumpsum investment calculator, you can quickly check your future wealth. It is an effective way to plan your investments to ensure stable finances. Using this calculator will offer you every important detail in a few seconds. Some of the benefits of using a lump sum SIP calculator are listed here: – Easy to use: – Online lumpsum investment calculator is very easy to use. You do not need any previous financial knowledge to use it. You also do not need any expertise in lump-sum calculations to enjoy the benefits on offer. Ease of access: – You can use a lumpsum calculator as per your choice, as many platforms offer this service. You need an internet connection to use this tool as and when required. Quick calculations: – Lumpsum calculator will show you the results in a few seconds. You need to provide some basic details to get the results. This helps you plan your investments in a better way. Select a suitable option: – Many investors use this tool to identify the most suitable mutual fund for their future needs. They use the mutual fund’s average returns over five years to see if it will help them meet their goals. Set financial goals: – Online lumpsum investment calculator can help you set your financial goals in a better manner. This tool allows you to adjust parameters to create the best combination for your needs. [B-02] Conclusion Lumpsum investment is a good option for all investors new to savings. With basic knowledge of savings and investments, you can start your journey with lumpsum investment. In the case of mutual funds, it is a common approach that many investors use. If you are also keen on making lumpsum investments, use a lumpsum calculator to plan your finances. This will help you from making any rash decisions.
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