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Credit Score

Which is Better: Equifax Credit Score or Wishfin Cibil?

Credit bureaus like CIBIL and Equifax are working in the Indian market. Equifax, a competitor with a less well-known name, started doing business in India in 2020, ten years after CIBIL. The main office of each of these agencies is in Mumbai. Indian banks and credit reporting groups tell Equifax and CIBIL how to use credit. They then compile all of this information into a report that lenders can use to learn about their finances or credit history. The two groups do almost the same things. But the two firms give credit reports and help solve disputes differently. This article will explain how Wishfin CIBIL, Equifax Credit Score, and other services are different and also similar at the same time. [B-01] What is a Wishfin CIBIL Score? Your Wishfin CIBIL is a number based on your credit history and shows your solvency. It can be anywhere from 300 to 900. The closer your Wishfin CIBIL Score is to 900, the more likely it is that your credit card request or loan application will be approved. According to the CIBIL website, a score of 750 or higher is a great Wishfin CIBIL score that helps lenders decide whether or not to give out loans. The credit history in the CIBIL Report Analysis is used to figure out this score. It is just a summary of the CIBIL report, which shows the company’s solvency. Importance of Wishfin CIBIL Scores When you want to get a loan, you need a Wishfin CIBIL score. When someone asks a bank or other financial firm for a loan, the lender usually looks first at the person’s Wishfin CIBIL score and credit history. The lender may not grant the loan if the credit score is low. Even if you have a good Wishfin CIBIL score, the lender will still look at the request and other things to decide if you are creditworthy. It’s the first evaluation that the lender does. If your score is 700 or more, you did a good job. What is an Equifax Credit Score? Equifax Credit Scores, which range from 300 to 900, show your credit history. This is done using data from credit providers like banks and financial institutions. A full credit information review goes along with the data in this score. This report gives an overview of your loans and credit cards, as well as details about how you have paid back their debts and where they can be found. This data comes from places where they’ve taken out loans or used credit cards. Credit scores from Equifax show how likely you are to pay back loans. A higher score shows a potential lender that you will pay their bills and loans on time, which may help them decide whether or not to accept the loan paperwork. Equifax Credit Score vs. Wishfin Cibil Score Equifax and Wishfin CIBIL keep all of a user’s financial data, including current and past loans, payments, and allowances, in a single report. The table below shows the similarities and differences between them. CriteriaEquifaxWishfin CibilYear of Origin20102000Range of Credit Scores300-900300-900Services and Products (for Consumers)Credit Score.Credit data Report.Dispute Resolution.Credit Score.Credit data Report.Dispute Resolution.Timeline for Receiving Credit ReportEquifax Mobile App: Email post 1 day. Offline: 7 to 10 days after verification.Online: Instant Access. Offline: It takes seven days to confirm. Once you’re done, you’ll get login information for the myCIBIL site.Report CostYou have to pay Rs. 118 for a credit report, whereas Rs. 472 for a credit report includes a credit score as well. The credit report includes a credit score of Rs. 550. If you only want to take the credit report, you will have to pay Rs 164.Process of Dispute ResolutionYou can get the Form for Resolving a Dispute from its website.Fill out the form and attach any necessary papers. Then send it by mail, courier, or short post to the reporting group’s address.You can get CIBIL’s dispute resolution form from its website, fill it out, and send it back. You can also dispute your credit report by emailing CIBIL and attaching proof. The Equifax credit score and the CIBIL credit score are very close. But the exact ratings for a single customer could differ between the two agencies, though it’s unlikely that these differences would make a big difference. Equifax and CIBIL collect data about you to make your credit report. Your credit report is then used to figure out your credit score, which shows how likely it is that you will be approved for financial loans and credits. Someone with a low credit score may find it difficult to get a simple loan, credit or debit card, or home loan. [B-02] Conclusion Equifax Credit Score and Wishfin CIBIL are both credit reporting firms that get data about your finances from banks and credit unions across the country. They give them a credit rating based on what they find out about you or your business. Both are among the four companies in India with a license to keep credit records. These firms get data about their clients’ credit and keep track of it. The information is then analyzed to generate your credit scores and credit report summaries. People who want to borrow money, whether they are experts or not, can use the credit arrangement. They are told about their credit history and what they need to do to get a loan. People who know a lot about their finances can keep a better handle on their credit scores and make better decisions about their money. You can check your credit score and learn more about Equifax Credit Score and Wishfin CIBIL by visiting the Piramal Finance website. Get yourself acquainted with wide-ranging financial products and services, especially credit cards and personal loans.
08-11-2023
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Business Loan

All You Need to Know About Commercial CIBIL?

A commercial CIBIL report gives a detailed data report on commercial borrowers. A commercial borrower may be a sole proprietor, a partnership, or a private or public firm. It gives the lender an idea about the credit history of the borrower. With the help of a commercial CIBIL report, the banks can make a quick choice about whether to give loans to the applicant or not. To maintain a good commercial CIBIL report, the borrower has to be very alert. As a borrower, you should not miss any payment due dates. Your commercial CIBIL report is based on the details it gets from sources like banks and other lenders. A commercial CIBIL report has a vital role in the entire loan-taking process for commercial borrowers. If you want to get a loan, for example, an MSME business loan, most lenders will ask for this report. It will show your reliability, and a good credit ranking may improve the chances of your borrowing request getting approved. With a high credit score, your borrowing options get better. It is to be noted that a high CIBIL score should be maintained to continue proving your credit reliability. [B-01] How Can You Get Your Commercial CIBIL Report? You can get your commercial CIBIL report by following these simple steps: Visit the CIBIL website. Fill out the form and add the required details, such as your company’s name, GSTN value, ID value, company type, location details, and contact details. You will be asked to make an online payment. The amount will be as per your chosen plan. After making the payment, you will get your transaction and registration ID through the mail. You will have to upload your KYC documents. After the required documents are submitted, you will get your commercial CIBIL report and CIBIL rank delivered to the given address in approximately 7 to 8 days. CIBIL Rank and CIBIL Score Like the CIBIL report and CIBIL score that a person has, a commercial borrower has a CIBIL rank and a commercial CIBIL report. Here are the key differences between the two: Basis of DistinctionCIBIL ScoreCIBIL RankSummaryIt summarises the credit report.It summarises the commercial CIBIL report.RangeThe range is between 300 and 900.The range is between 1 and 10.When are the chances of approval higher?When the score is closer to 900, the chances of approval are higher.When the rank is closer to 1, the chances of approval are higher. Components of a Commercial CIBIL Report The components that a commercial CIBIL report offers to commercial borrowers and lenders are: Information: It has all the details of the borrower firms, such as name, date of incorporation, address, company’s PAN, profile, phone number, etc. Identification: At the top of the CIBIL report, there is a report order number given, which signifies the number of times the Commercial CIBIL Report of the firm has been accessed. CIBIL Rank: A rank from 1 to 10 has been given to the company in this report, which signifies its chances of getting a credit facility. Details as a Guarantor or Borrower: The commercial CIBIL report also depicts how many times the firm has taken a loan in the past or has acted as a guarantor. By using this report, banks or NBFCs can decide whether or not to sanction a loan to you. What Affects Your Commercial CIBIL Report? Here are a few factors that play a vital role in affecting your commercial CIBIL report: History of Past Payments: This is related to your past loans and how you have routinely made the repayments on them. So try not to make any delays while you are repaying your loans. Credit History Length: The time since you started taking out loans for your firm is known as your credit history length. Usually, if you have a long credit history and have made timely payments, your CIBIL score will be good. Any Ongoing Debts: If you have a lot of loans, it will reflect poorly on your creditworthiness. It will give a hint of bad repayment history. Company History: Old companies and large firms usually have an image of growth and stability. This will have a positive impact on your commercial CIBIL report. Profits: Your business’ turnover and profit can serve as a direct way to understand your repaying capacity. Also, if you have a high profit, it will easier for you to qualify for MSME business loans and other business loans. How Can You Make Your CIBIL Report Better? If you want to keep a good commercial CIBIL report, here are certain things that you should keep in mind: All your dues, like loan EMIs, should be paid on time. If you delay it, you will not be able to maintain a solid credit history. Keep your credit usage ratio as low as possible. This will help you prove your firm’s credibility. Maintain a good credit history that has a long duration. If you have any debt to be paid, keep the level of practicality high. This will keep your repayment ability from being questioned. The balance between your company’s assets and liabilities should be good. Any issues on your credit statement should be resolved as soon as possible. [B-02] Conclusion If your company needs a commercial CIBIL report to apply for MSME business loans and more, this article must have helped you a lot. However, note that CIBIL only offers commercial CIBIL reports to companies and businesses that have borrowings ranging from Rs. 10 lakh to Rs. 50 crore. If your borrowing is not within this range, CIBIL may issue a NA report for your company. This commercial CIBIL report is even more vital as CIBIL members, lenders, banks, and other financial institutions have access to it. If you want to read more about other finance-related topics, then do visit Piramal Finance. Read more related blogs on the website to explore our financial products and services, especially those on personal loans, credit cards, and financial calculators.
08-11-2023
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Credit Score

Difference Between Equifax Credit Score & Crif Score

If you want to apply for a loan or a credit card, you must know about your credit scores. Banks and other lending firms use credit bureau records to check a person’s past credit behavior. Every time a bank gives a loan, it assumes some risk since there is a chance the borrower will not be able to pay it back. A credit score report can help reduce this risk. This is why having a good credit score is crucial. Indian banking firms give data about a person’s credit-related past to Equifax credit score and Crif score. They then compile this data into a report format for lenders to read and better understand the credit history of a person. Both bodies carry out tasks that are quite similar. But there are some differences in how the two bodies give credit reports and handle dispute resolution services. [B-01] What is an Equifax Credit Score? Equifax India is a joint venture between Equifax Global Inc. and 7 of the top banking firms in the nation. It is named Equifax Credit Information Services Private Limited (ECIS). The Credit Information Companies Act of 2005 and the Reserve Bank of India both give the business a license. Equifax also opened a microfinance office in India in 2011. What is a Crif Score? High Mark is a credit information business that was founded in 2007 and is the most popular and widely used report in India and Europe. High Mark’s name was changed to CRIF High Mark after a huge investment was made in this firm in the year 2014. CRIF High Mark gives free credit data reports and microfinance credit reports for households. Difference Between Equifax Credit Score And Crif Score DifferenceEquifax Credit ScoreCrif ScoreLicense grantedA licence was issued in 20102006 established; 2010, licence issuedRange of credit score300-900300-900Cost of reportOne credit report with a credit score costs Rs. 472; a credit report costs Rs. 118.One credit report with a credit score costs Rs. 399.Time taken to receive a credit reportIf you ask for a complete credit report using the Equifax mobile app, you will get it via email one day later. In the case of an offline application, the credit report is sent via mail or post. It takes 7 to 10 days.Once you have validated your identity online, you may get your CRIF High Mark credit report online and get it quickly at your registered email ID.Products and servicesFor clients:Report on credit dataEquifax issues an alertReview of Equifax’s portfolioEquifax risk rating For businesses:Management of credit risk and fraud, diagnostics for the industry, etc.For clients:Report on High Mark credit dataReport on credit for microfinance For businesses:Services for Commercial Score Identification and Anti-FraudAnalytics and Scorecards for Prediction Other remedies:Business decision-making and rulesCollections and Loan Origination for ManagementPlatform with an external data connector for duplicatingDuration of the report7 years1 yearThe number of partnerships between banks and NBFCsAlmost 2,900 financial companiesMore than 1,000 cooperative banks and insurance firms.Dispute resolutionYou can find the Dispute Resolution Form on the Equifax website. Send the completed form along with the other documents to the bureau’s address via mail or rapid post.Send an email with your complaint to crifcare@crifhighmark.com from your registered email ID along with your Report ID (Reference Number). Reports of Equifax Credit score and CRIF Score You can get a copy of your Equifax credit score report by following the steps listed below: Complete the KYC form. Self-verify the address and ID proof. You should give your voter ID, passport, PAN card, driver’s license, or Aadhar card as ID proof. You can also give a phone bill, power bill, gas utility bill, credit card statement, ration card, or rent agreement as your address proof. You will receive the credit score and the credit report via post. You can get your CRIF score report by following the steps listed below: Visit the CRIF website at https://cir.crifhighmark.com. Select ‘Get Your Score Now’ from the menu. Your email address will be asked for in a pop-up window. To continue, enter your email address here. You will have to answer a few questions in the next box that will help CRIF High Mark find you in the whole database. You will also be asked for more data like your name, birthdate, mobile number, address, and PAN or Aadhaar number. You can get your CRIF credit report if you respond to the security credit question. [B-02] The Bottom Line The reports from any of the bureaus discussed in this article are precise and accurate, as each credit bureau has its own methods for computing your credit score. Due to the distinct methods of computing credit scores, a person’s credit score can be different for both agencies. This does not make one agency better than the other. Also, without making a distinction between them, the banks and NBFCs give your credit data to all of these credit bodies. Therefore, the results derived by both of these agencies are reliable and can be used to determine your credit score. Read more related blogs on the Piramal Finance website to explore our financial products and services, especially those on personal loans, credit cards, and financial calculators.
08-11-2023
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Tips & Advice

Best Camera Phones Under 20000 in India

When it comes to picking out a smartphone, we all have our own preferences. Some people really care about having a powerful processor, while others are more concerned with having a high-quality camera and are ready to sacrifice other features for it. Finding the best phone under 20,000 with amazing camera specifications is no easy feat. However, this does not rule out the possibility. When making a smartphone purchase, the quality of the camera is a top priority, for some. This article will assist you in making a decision if you haven’t already done so. Here are the best camera phones that won’t break the bank. [B-01] 1. Redmi Note 10 Pro: Redmi Note 10 Pro tops the list of Best Camera Phones Under 20000. The Redmi Note 10 Pro boasts an incredible camera and many other impressive features for less than 20,000. This phone has all the cutting-edge features, from a high-resolution camera to long battery life. The device offers a dual sim feature with dual stand-by (4G+4G). Specifications: OS: Android Battery: 5020 mAh Memory, Storage: 6 GB RAM or 128 GB Camera Features: 64MP, Quad rear camera (64 MP + 8 MP + 5 MP + 2 MP ) | 16 MP Front Camera ProsConsSuperb cameraOverheating is a problemClear screenThe volume level of the speakers is disappointing.Long-lasting batteryExtensive bulge for a camera on the backCompact design Price: Rs 15,999 2. OnePlus Nord CE 2 Lite 5G: The recent release of OnePlus under 20,000 camera phones has caused a sensation in the industry. A battery of 5000 mAh and a 6 MP camera are among its many features. Inexpensive relative to its quality, the device makes itself a top pick. Specifications: Operating System: Oxygen OS based on Android 12 Battery: 5000 mAh Camera: 64MP main camera, 2MP depth lens, and 2MP macro lens, front camera- 16MP RAM: 6 GB Memory: 128 GB ProsConsLong-lasting battery life.Cumbersome in terms of portability.Big screen sizeThe Oxygen OS is flawed.Incredibly high-resolution images.No headphone jack. 5G network speeds. Price: Rs 18,999 3. Samsung Galaxy M32: The Samsung M32 is of the popular Galaxy M series which falls under the best camera phones under 20,000. As it boasts a super AMOLED screen and a Quad camera system, it is a good investment. An additional 6000 mAh battery is included. Specifications: OS: Android v11.0 Display: 6.4-inch Camera: 64MP+8MP+2MP+2MP, 20MP: front camera Battery: 6000 mAh Memory: 6GB RAM | 128GB ProsConsHigh-quality screen with a swift refresh rate.Simple computer chip.A long-lasting battery.The drop-notch screen is a relic of the past.Superb camera.Little in stature. Price: Rs 13,499 4. Oppo A74 5G: One of the best camera phones under Rs 20,000, Oppo will not disappoint you. It’s well worth it, considering the phone has a 48-megapixel camera, four separate lenses, and a long-lasting battery of 5000 mAh. It comes with an FHD+ Display whose resolution is 2400×1080 pixels along with dual sim 5G+5G technology. Specifications: OS: Android 11 Display: 6.49″ Inch (16.5cm) Battery: 5000 mAh lithium polymer battery Camera: 48MP Quad Camera, 8MP Primary Camera RAM: 6GB RAM Storage: 128GB ProsCons5G-compatibleNot light-weight.Acceptable audio quality. Price: Rs 14,990 5. POCO M4 Pro 5G: You’re still getting a large 6.43-inch, 90Hz 1080p display, a capable 50MP main camera, a serviceable selfie camera, along with a huge 5,000 mAh battery that can power the device for at least a day and a half. It has a Very capable primary camera, ultrawide is good in daylight too, and selfies are also competitive. Specifications: Display: 6.43 inches OS: Android 10 Battery: 5000 mAh Camera: 50MP + 8MP | 16MP Front Camera Ram: 6 GB Storage: 128 GB ProsConsExcellent AMOLED display. Overdesigned camera bump, the black colourway is dull and picks up fingerprints.Long-lasting batteryThe MIUI 13 build is still based on Android 11 and is missing some features.High-performance primary camera No 4K or 1080p60 video recording. Price: Rs 16,490 6. Realme 9 Pro: The Realme 9 Pro 5G ends our list of the Best Camera Phone Under 20000. When it comes to taking pictures, the smartphone shines. This smartphone’s triple camera configuration (64 megapixels + 8 megapixels + 2 megapixels) in the back and 16 megapixels up front allow for stunning photos in both bright light and dim settings. With an Octa-core Qualcomm Snapdragon 695 processor paired with a 5000mAh battery, the smartphone is a huge asset. Specifications: Display: 6.5-inch (720 x 1600 pixels) OS: Android 12 Battery: 5,000 mAh Camera: 64 MP + 8 MP + 2 MP, 16 MP front camera RAM: 6 GB/ 8 GB Storage: 128 GB ProsConsAmazing 120Hz screen No AMOLED screenExcellent refresh ratePreloaded junkwareSuper-fast charging at 33W Price: Rs 14,899 Overall Best Product Samsung Galaxy M 32 is the best product of all. It has a great camera, huge battery backup, enough storage space, and a fast processor, and costs less than Rs 15,000. [B-02] Final Thoughts After reading this, you should have a good notion of which smartphones offer the finest cameras for less than 20,000. These best camera phones are chosen on grounds of many features such as processor, battery life, OS, Android version, and most importantly, the camera specifications. 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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Dream Mobile

Top 10 Mobiles Under 15000 in India 2024

In terms of smartphone purchases, the Indian customer market seeks the best features at the lowest possible price. Smartphones under the Rs. 15000 price point are the most easily accessible to large customer groups. Manufacturers also develop several features to cater to prospective customers such as battery performance, camera quality, and processing speed. Let’s find out in detail some of the Latest Mobile Phones Under 15000 in India for 2022. [B-01] List of Top 10 Mobiles Under 15000 1. Moto G52 The Moto G52 features a 2.4GHz octa-core Qualcomm Snapdragon 680 processor for a powerful performance. It comes equipped with a high contrast ratio display and colour accuracy with a 90 Hz pOLED panel. Specifications Display: 6.6-inch, P-OLED display Processor: Qualcomm Snapdragon 680 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, Turbocharging Camera: 50MP Triple rear with 16MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 12 Pros Cons Extended storage capacity Basic design Long-lasting battery performance Average performance Impressive camera quality Price: Rs.12,999 2. Samsung Galaxy M13 The Samsung Galaxy M13 is a budget smartphone that packs durability and affordability. It comes with 4GB of RAM and Samsung’s very own Exynos 850 processor. It is a game for speed and performance, making it one of the Top 10 Mobiles Under Rs. 15000 in India. Specifications Display: 6.6-inch PLS LCD display Processor: Samsung Exynos 850 processor RAM: 4GB Storage: 64GB Battery: 6000 mAh, Fast charging Camera: 50MP triple rear plus 8MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS Glonass OS: Android 12 Pros Cons Expandable memory up to 1TB Low RAM capacity Wide-angle camera with HDR shooting Low sound quality Captivating display Price: Rs.9,499 3. Samsung Galaxy M32 The Samsung Galaxy M32 includes impressive features like a refresh rate of 90 Hz, a powerful octa-core MediaTek Helio G80 processor, and a wide 6.4″ screen with a super AMOLED display. Specifications Display: 6.4-inch, Super AMOLED display Processor: MediaTek Helio G80 processor RAM: 4GB Storage: 64GB Battery: 6000mAh, Fast charging Camera: 64MP Quad rear plus 20MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Impressive design No HD/HDR support Extended battery life Low photo quality from assisted cameras FHD+ high-quality display Not great performance Price: Rs.11,499 4. Moto G40 Fusion The Motorola Moto G40 Fusion is resourceful with a Snapdragon 732G octa-core processor with a high refresh rate of 120Hz and a large 6.8″ screen for a wide-angle view. Specifications Display: 6.8-inch, IPS LCD display Processor: Qualcomm Snapdragon 732G processor RAM: 4GB Storage: 64GB Battery: 6000mA, Turbo Power charging Camera: 64MP Triple rear plus 16MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons A high refresh rate of 120 Hz Bulky build Smooth performance Cameras are not fine-tuned Fast charging with long battery life Price: Rs.13,499 5. Moto G51 5G The Moto G51 5G supports sustained performance with a long-lasting battery. Its 5G connectivity integration gives it an advantage over other phones on the Top 10 Mobiles list. Specifications Display: 6.8-inch, IPS LCD display Processor: Qualcomm Snapdragon 480 Plus processor RAM: 4GB Storage: 64GB Battery: 500mAh, Rapid charging Camera: 50MP Triple rear plus 13MP front camera Connectivity: 5G, Bluetooth v5.1, A-GPS, Glonass OS: Android 11 Pros Cons Supported by Stock Android The screen may go jittery Powerful fingerprint sensor Poor low-light performance Rapid charging at 20w Price: Rs.12,249 6. Xiaomi Redmi Note 10S The Xiaomi Redmi Note 10S is a desirable phone under Rs.15,000 with competent specs and 5G support. Specifications Display: 6.43-inch, AMOLED display Processor: MediaTek Helio G95 processor RAM: 6GB Storage: 64GB Battery: 5000 mAh, fast charging Camera: 64MP Quad rear plus 13MP front camera Connectivity: 5G, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Impressive display with elegant design Minimal scope to customise MIUI 12.5 Stunning camera quality Low performance Powerful 6GB RAM Price: Rs.13,999 7. Realme Narzo 50 The Realme Narzo is an impressive addition to the Top 10 Mobiles Under 15000 list due its octa-core processor and durable battery capacity. Specifications Display: 6.6-inch, IPS LCD Processor: MediaTek Helio G96 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, Dart charging Camera: 50MP Triple rear plus 16MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Impressive camera performance in daylight Little use of depth sensor Sleek design No ultra-wide shooter supoort Smooth performance with a decent display Price: Rs.10,499 8. POCO M3 Pro 5G The POCO M3 Pro 5G makes it to the Top 10 Mobiles for its FHD+ display on a 6.5″ widescreen with 405PPI clarity. Specifications Display: 6.5-inch, IPS LCD Processor: MediaTek Dimensity 700 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, fast charging Camera: 48MP Triple rear plus 8MP front camera Connectivity: 5G, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Seamless usage Average RAM Extendable storage of up to 1TB Average internal storage Corning Gorilla Glass 3 Price: Rs.13,599 9. Xiaomi Redmi 11 Prime 5G The Xiaomi Redmi 11 Prime 5G is one of the first phones launched by the manufacturer with 5G technology and is suited for your everyday use on a budget. Specifications Display: 6.58-inch, IPS LCD display Processor: MediaTek Dimensity 700 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, fast charging Camera: 50MP Dual rear plus 8MP front camera Connectivity: 5G, Bluetooth v5.1, A-GPS, Glonass OS: Android 12 Pros Cons 90 Hz refresh rate Poor photography in low-light conditions Sturdy yet smooth performance No upgrade to waterdrop notch Extended battery capacity Price: Rs.12,999 10. Samsung Galaxy F23 5G The Samsung Galaxy F23 5G model gets your attention with its Snapdragon 750G chipset, 2.2GHz octa-core processor and powerful RAM at 4GB. Specifications Display: 6.6-inch, TFT display Processor: Qualcomm Snapdragon 750G processor RAM: 4GB Storage: 128GB Battery: 5000 mAh, fast charging Camera: 50MP Triple rear plus 8MP front camera Connectivity: 5G, Bluetooth v5, A-GPS, Glonass OS: Android 12 Pros Cons High-capacity internal storage Features archaic waterdrop notch Built for robust performance and use Poor capturing of low-light pictures High refresh rate at 120Hz Price: Rs.12,999 Overall Best Mobile Under 15000 When it comes to overall mobile phone performance and specs, the Moto G51 5G is the clear winner among the Latest Mobile Phones Under Rs. 15,000. [B-02] Final Takeaway To purchase a smartphone from the Top 10 Mobiles, you can seek financing from NBFCs such as Piramal Finance, which offers personal loans, EMIs, and other options. Check their website for more details!
08-11-2023
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Tips & Advice

Benefits of Taking Mobile Insurance

Before learning how to use all of its features, did you lose your smartphone? Look around if you have not lost your phone; you’ll quickly locate folks in your social circle who are making EMI payments on phones that are no longer in their possession. If you have a pricey mobile phone and want to protect it from loss or damage, you can benefit from a mobile insurance policy in this aspect. If you have a history of losing or breaking your phone, getting a mobile insurance or phone insurance policy is a wise thing to do. Depending on the insurance you choose, you may be able to replace the same kind of smartphone that was lost, damaged, or stolen without having to switch to a phone with fewer features. [B-01] Mobile insurance, or phone insurance, would be quite useful if you depend a lot on your smartphone for daily tasks and would need a quick replacement in the event of damage. These smartphones can be stolen, just like any other item. But, if you have mobile insurance coverage, you need not worry. In addition to theft, a mobile insurance plan also covers incidents involving software or other hardware problems with these pricey phones, as well as drops, liquid damage, screen damage, and any other mobile losses. Insurance coverage for phones can protect them from both internal and external harm. What is Mobile Insurance? When a mobile device is stolen or lost, there is a danger that the data on the device will also be lost or destroyed, leading to a variety of issues, including monetary loss. People today spend a lot of money on smartphones, so any problems with them can be quite expensive. In India, businesses are increasing their use of mobile insurance to solve these problems. These policies offer protection for all phone types, including smartphones, against theft or accidental damage. What Are the Benefits of Mobile Insurance? 1. If the phone is stolen, it is very tough to get it back. Also, you lose all of your data when your phone is taken. Loss of money is one more problem linked to theft. Thus, since mobile insurance (or phone insurance) covers the price of a new phone, getting it makes sense to deal with such scenarios. In the event that your phone is stolen or damaged, insurance can help you avoid such a financial loss. 2. Modern mobile phones can be fairly expensive, and any type of breakage repair can be pricey. Given that it offers protection against breakage, buying mobile insurance may be a wise move. 3. Mobile phone insurance covers any water or other liquid damage to the phone. Moisture or humidity damage to a mobile phone is one more possibility, and this is mostly covered by insurance. 4. Expensive smartphones like Apple, Samsung, OnePlus, etc. would incur huge repair costs in the event of damage. It is better to have mobile insurance in order to avoid paying a big sum for phone repair. 5. If your phone is lost, you won’t be entitled to any warranty benefits. However, if you lose your phone, your phone insurance will reimburse you up to the sum insured. 6. If you have a history of misplacing phones, it is a wise investment. 7. You can get a new phone in the event of theft or damage, depending on the insurance coverage you choose. 8. Depending on the conditions of your policy, a mobile insurance cover also aids in offering a quick change of mobile phone in certain cases. What Does Mobile Insurance Cover? Here’s what mobile insurance covers: New and Old Phones: You can purchase a mobile phone insurance policy for both new and old phones that you’ve owned for up to one year. Screen Damage: Screen damage is covered by mobile insurance policies because it is essential to use mobile phones. The cost of replacing the phone’s screen is about half of what it originally cost, so it makes sense to buy insurance that covers screen damage. IMEI-linked insurance coverage: The IMEI number of your mobile phone is what connects the coverage for the smartphone. It is a special number that identifies your phone. Thus, the insurance coverage still covers the phone even if the damage was not caused by you. Mobile Insurance Online When you buy your mobile phone online on e-commerce platforms, you will have the option of buying mobile insurance online. Along with the price of the phone, you can also pay for the mobile insurance online when making the final payments for the product. Else, you can buy mobile insurance online after buying your phone as well.Exclusions A mobile phone insurance policy does not cover claims relating to batteries, chargers, memory cards, intentional damage to the handset, loss or damage of a device that was not attended to, loss or damage as a result of poor maintenance, or pet bites. Also, certain businesses may impose a 48 to 72-hour waiting period before registering the policyholder with the insurance provider. Thus, claims made prior to this time may not be accepted. [B-02] Final Takeaway Thus, you can make sure that an insurer will pay for the damages to your phone in exchange for a small premium payment. You won’t have to worry about replacing or fixing your phone thanks to this. Before buying mobile phone insurance online, read the sales brochure or policy wording for more information on the perks, exclusions, limits, and terms and conditions. You gain a lot of advantages by purchasing insurance coverage for your technology. You are protected from events like theft, loss, breakage, and water damage. You get paid for the cost of replacing the device. While you decide to hunt for mobile insurance online, Piramal Finance is a great option for you. To find out more about their financing solutions, such as credit cards, EMIs, and personal loans, visit their website.
08-11-2023
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Lifestyle

Women Formals for a Professional Office Look

A working woman of the twenty-first century is self-sufficient. Women have progressed in many sectors, and the self-assured Indian woman is making her path rather than waiting for a chance. Each time one walks into a meeting, this confidence needs a trendy push and a fashionable remark. How women dress and groom themselves is an essential aspect of business ethics. Let’s get to know some ideas for the formals for women in the office. [B-01] Tips for Office Formals for Women These tips are for office formals for women, have a look: Being an expert is one of the finest ways to boost your look while looking for office jobs. Arrive on time, suitably dressed, and with the proper attitude. Even just this one easy method can increase charm and beauty. For decent formal suits for women, one must look for the correct attire according to the job. Before choosing the next wardrobe, take the time to think about how one should look for the job. By exploring different formals for women, one discovers what one like and what is ideal for a career at work. Putting comfort and leisure first when putting together essential clothing to appear excellent at work. The ease at work will be sure if one wears casual office clothes. Classic clothing items are quite adaptable, don’t readily fall out of style, and may be worn for a more extended period. Long-lasting clothing helps women save money and raises a sound identity. Do not fall into the myth that women must spend a lot of money on clothing to look nice at the office. They may look nice for little money even if the budget is tight. Formals for Women Which One Needs in the Closet A list of ideas for formals for women is given below: Sarees Sarees are an iconic Indian style often seen as formal suits for women. Women may dress up for work or any formal event by wearing sarees draped traditionally with pallu and over the left shoulder. When done correctly, sarees may compete fiercely with even the nicest formals for women in the West. Pencil Skirt Women may get a pencil skirt if they prefer not to wear slacks, trousers, or jeans to work every day. They go well with a dress shirt or top. Women may wear the skirt in formal or informal settings. Solid Coloured Pants and Shirts and Conventional solid shirts and trousers are a definite method for girls to master the western formal look. This classic formals for women symbolises the phrase “less is more,” and it remains applicable today. White shirts and slacks are considered a wardrobe for women and form a must-have formal attire for business or other occasions. The classic shirt and trousers set are ideal for those who want to wear a formal Western outfit for the first time. This is one costume that will never go out of style. Salwar Dress Salwar sets are comfy clothing that aids in giving ladies a formal appearance. Mixing and matching different pieces may make many lovely colour and pattern combinations with the two-piece suit. It may also be worn with leggings, palazzo pants, a churidar, or a kameez. Salwars are formal suits for women and work-appropriate outfits when accessorised with the right accessories and a dupatta. Kurtas Kurtas are more formal suits for women with a similar appearance to salwar sets. Kurtas may be dressed up or down by pairing them with formal slacks, jeggings, leggings, or trousers. Kurtas can be worn in various lengths while remaining fashionable and polished. For a formal look, women must skip wearing short kurtas as well as tight trousers. Select neutral colours; off-whites, light browns, and ochres are good places to begin. Meeting Shirt with Buttons Button-up shirts are a dependable and specific option for every occasion, including interviews and client meetings. It may be easily worn with a skirt or a pair of pants. They also offer a less costly option, and bright colours look well with dark bottoms. Blazers Blazers are, without a doubt, an excellent choice for ladies who want a more official appearance. While formerly only worn by males, blazers are becoming popular among formal suits for women. Decent Blouse or Top Going to work requires a nice shirt or at least a couple of excellent ones. They are simple to wear with jeans, skirts, and pants. A formal style is best achieved on any given day using white, black, neutral, blue, and pastel colours. The most acceptable investment is buying shirts that can be worn with many bottoms. Nice Accessory A watch, a good purse, and modern jewels are also vital when they get ready for work daily. Their timeless lines and bright polish enhance the look. Women do not have to wear neckpieces for every outfit, however. But they match V-neck blouses nicely. In contrast, small earrings, pearls, purses, and watches go for every style beyond failure. They give plain clothing a new appearance. Low Heels or Basic Flats A pair of shoes are required to dress up a simple outfit. Even with great clothing, the wrong shoes may ruin the look. Low heels are comfy and somewhat lengthen them. Women may use them all day long without getting a shoe bite or foot tingling pain, and they will have a professional look. The same is true if they want to wear flats with a more casual look but still best suited for work. They are less costly and easy to wear and take off. Fashion experts advise making intelligent choices in beige, pastel, and black tones. [B-02] Conclusion Assume one who has ever worked in a firm or had a business interview. They’ll be aware of a company’s formal attire issue in such instances. Today’s business formals for women are more befuddling than ever. It might be tough to find the right combo of talents and attractiveness. However, this blog guides ladies to stylish yet recognised workwear. These outfit ideas will keep one busy all week, from stylish suits to trendy accessories. Check out the Piramal Finance website for more such blogs. Or, if you need some help financing a whole different wardrobe, visit the website to find personal loans and other financing options best suited for you.
08-11-2023
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Electronics

Here Are The Best Bluetooth Earphones in India Under 2000

No more getting irritated by tangled headphone wires! Switch to Bluetooth earphones and get ready to be delighted by the new, hands-free audio experience. [B-01] Having trouble deciding which one to buy? This guide is the best way to find the best Bluetooth earphones under 2000. These products have unique advanced features like stereo audio, touch control TWS, longer playback time, and voice assistant. The best part is that they can cancel noise during calls with Dolby Atmos. boAt Rockerz 330 The Boat Rockerz 330 is the best earphone under 2000 in India. It is an ergonomically designed silicone neckband. It has a smart voice assistant, can make phone calls, and play music. A sleek metal control panel with quick access to all settings is also included. The magnetic design of the neckband of the BoAt earphones makes it easy to use. This neckband is for people who want a great time listening to music or watching movies because it makes a high-quality bass sound. Specifications: Connector Type: Wireless (Bluetooth v5.0 support) Form Factor: In-ear Driver Size: 10mm Battery life: 30 hours Weight: 35g ProsConsIPX5 water resistanceNo noise cancellation featuresLong-lasting battery lifeNo gesture supportType C charging portMetallic design Sony WI-C200 Wireless The Sony WI-C200 Wireless Neckband is a great choice for people who want a long battery life. The quick charge feature on these earphones gives users 60 minutes of listening time after only 10 minutes of charging. The magnetic enclosure and tangle-free cable make these the best earphones under 2000. They are also lightweight and come in two classic colours. The Sony WI-C200 also has Google Assistant support. This means anyone can control their music library, search the web, and do more just by speaking. Specifications: Connector Type: Wireless (Bluetooth v5.0 support) Form Factor: In-ear Driver Size: 9mm Battery life: 15 hours Weight: 30g ProsConsHD voice call supportNo IP rating for water-resistanceTangle-free design and premium looksNo noise cancellationin-line control panel Oppo Enco W11 ETI41 The Oppo Enco W11 is the best wireless earphone under 2000. It has 8mm dynamic speakers with titanium-coated composite diaphragms that boost bass and high frequencies. Without the charging case, playback lasts 5 hours, but with it, it lasts 20 hours. W11 earphones can stand up to dust and water (IP55). During calls, the W11 headphones block out noise on both sides. Specifications: Connector Type: Wireless (Bluetooth v5.0 support) Form Factor: In-ear Driver Size: 8mm Battery life: 20 hours Weight: 197g (with case) ProsConsPremium white colourAverage call qualityIP55 water resistanceNice noise cancellation boAt Rockerz 450 With a battery life of up to 15 hours and great sound quality, boAt Rockerz 450 headphone is the best wireless earphone under 2000. This on-ear headphone is smartly made with padded ear cushions to meet the needs of all users. It’s easy to take off because it’s lightweight and can fit in small bags. With the built-in mic, this headphone, and the access voice assistant, the easy access controls give the best user experience and make it easy to control the music and talk to other people. Specifications: Connector Type: Wireless (Bluetooth v5.0 support) Form Factor: On-ear Driver Size: Here Are The Best Bluetooth Earphones in India Under 2000 Sennheiser CX 120BT This is another best Bluetooth earphones under 2000. It is a great wireless headset because it uses the aptX Low Latency codec and works with aptX. It has several high-quality codecs in this price range. But, the earbuds only work with Bluetooth v4.1, an older version. Sennheiser CX 120BT lasts 6 hours. Three buttons let the user control their music and phone calls. Specifications: Connector Type: Wireless (Bluetooth v4.1 support) Form Factor: On-ear Driver Size: 10mm Battery life: 6 hours Weight: 78g ProsConsImprove low-latency modeOld version of Bluetooth connectivityHD call supportLow battery lifeBuild-in-Mic OnePlus Bullets Z2 The OnePlus Bullets Z2 is a neckband-style wireless earphone. It has big 12.4mm drivers focusing on bass. The Bullets Z2 headphones have a 30-hour battery life on a single charge and charge quickly. These earphones are not only resistant to dust and water (they have an IP55 rating) but also fit well. The Bullets Z2 wireless earbuds come in black, red, and blue. It has AI noise cancellation, which uses microphones to eliminate background noise while making phone calls or listening to music. Specifications: Connector Type: Wireless (Bluetooth v5.0 support) Form Factor: In-ear Driver Size: 12.4mm Battery life: 30 hours Weight: 27g ProsConsSuper battery lifeAudio breaks in high volumeMagnetic earbudsBalanced sound quality Realme Buds Q2s TWS Earbuds With 11mm triple drivers and silicone ear wing tips, the Realme Buds Q2s are wireless earbuds that deliver deep bass and clear highs and lows. The Q2s earphones have four microphones to reduce noise. It has 30 hours of battery life with the wireless case. With 69ms latency, the game mode works better. It supports IPX4 water resistance and Bluetooth 5.2. With these features, Realme Buds Q2s are the best Bluetooth earphones under 2000. Specifications: Connector Type: Wireless (Bluetooth v5.2 support) Form Factor: In-ear Driver Size: 10mm Battery life: 30 hours Weight: 40g ProsConsIPx4 water resistanceBuild quality can be better69ms latency in game modeBluetoothv5.2 support boAt Airdopes 141 The boAt Airdopes 141 has 8mm drivers and supports Bluetooth 5.1. They block background noise and have a low latency of 80ms. They have 42 hours of battery life. It can also be charged quickly, so a 5-minute charge lets the user listen to music for 75 minutes. The boAt Airdopes 141 comes in three colours: black, cyan, and white. Also, it has an IPX4 rating, meaning it protects the earphone from moisture. Specifications: Connector Type: Wireless (Bluetooth v5.1 support) Form Factor: In-ear Driver Size: 8mm Battery life: 42 hours Weight: 60g ProsConsFuturistic design and lightweightAverage call qualitySweat & waterproofFast charging support Price List ModelsPriceboAt Rockerz 330Rs. 1,499Sony WI-C200 WirelessRs. 1,499Oppo Enco W11 ETI41Rs. 1,999boAt Rockerz 450Rs. 1,258Sennheiser CX 120BT Rs. 1,520OnePlus Bullets Z2Rs. 1,699Realme Buds Q2s Rs. 1,999boAt Airdopes 141Rs. 1,349 [B-02] Wrapping Up After looking at many different models of earphones from many other brands, we came up with the list of best Bluetooth earphones under 2,000. These earphones were selected on their sound quality, battery capacity and connectivity. Any of these models can be one of the best Bluetooth earphones under 2,000 because they are high-quality and don’t put too much strain on the wallet. Piramal Finance is a great financing option for different gadgets. Visit their website to learn more about their easy financing solutions on offer, such as credit cards, personal loans, EMI, etc.
08-11-2023
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Lifestyle

Buy the Best Puma Shoes for Men in India

Puma is recognized as one of the most influential fashion companies in the world. Indian consumers have a significant appetite for Puma footwear. Puma shoes are in high demand as they are both fashionable and comfortable to wear. In this piece on the Best Puma Shoes, we have narrowed it down to a few branded shoes for men from Puma. [B-01] 1. Puma Men’s Voyager IDP The Voyager IDP is a shoe that is exceptionally lightweight, narrow, and comfy. It is an excellent choice for light exercise in the morning, such as walking or running, but it is not appropriate for more strenuous activities. We wouldn’t call this shoe the most aesthetically pleasing addition to the lineup, but you can pick from ten or eleven different hues. Although it is one of the highest-quality options available at this price point. Its cushion is on the thinner side, and it would have been better if it had been on the thicker side instead. However, because the shoe is sufficiently comfy, this should not seem like too much of an issue. Sole-mesh fabric is used in the construction of the shoes, while the remaining materials of the body are synthetic. The guarantee on the goods covers manufacturing flaws for ninety days. Pros ConsComfortable to wearNo support for flat feet Durable Cushioning Quality fabric in manufacturing 2. Puma Liberate nitro The Liberate Nitro is virtually identical to the Deviate Nitro Elite, save for the absence of the plates. It can deal with tempo runs. This is the perfect shoe for you if you are seeking a racing flat or are training for a race and need a flat shoe. It can be used in a variety of ways and is inexpensive. Although it can adapt to a wide range of speeds, it is best utilized for running over relatively short distances. Heavy runners may also have trouble because the top doesn’t offer much support and the padding isn’t very thick. Pros ConsVery lightweight Not good for long usage Very flexible Noisy outsoleComfortable to put on Excellent heel clutch 3. Puma Pace Racer The Puma Pacer Next Cage is one of the greatest shoes that the brand has to offer for under 2,000 dollars. A fantastic option in terms of both its appearance and its overall quality. It comes in various colors and may be purchased for either girls or boys or both genders. The upper of the shoes is made of mesh and soft materials; this construction does not require a sock, and it can contribute to the shoe’s breathability. Therefore, the entire experience is more pleasant for the feet. Because of the lace cages that are located on both sides of the shoe, it offers a degree of additional durability. Pros ConsThe perfect pair for any occasion Not for intense usage Lightweight No flat foot supportDurable 4. Eternity Nitro Puma’s Eternity Nitro was a shoe that caught runners by complete and utter surprise. It does not appear to be a very promising trainer at first glance; nevertheless, your opinion completely shifts as soon as you put it on your feet. It is a well-cushioned stability trainer, but it does not have the sensation of one at all. This Puma shoe is up to the challenge of a long, gradual run and a whole day spent strolling. Pros ConsSupport for flat feetNot good for prolonged useSecure upper fit Too light Cushioning Excellent grip 5. Puma Super Levitate The Puma Super Levitate is a superior running shoe that will make you feel as if you are floating while you are out on your run. It is able to provide exceptional cushioning, comfort, and support regardless of the activity you are participating in since it is fitted with dependable technical characteristics. Several reviewers and runners have corroborated this, saying the shoe provides a premium running experience at a reasonable price. Pros ConsVery comfortable Lack of padding No setting in phase Insufficient support on heel Durable Perfect fit 6. Cell Descent The Puma Cell Descend has received largely excellent reactions from customers, with many reviews highlighting the design’s capacity to accommodate various activities. It is said that the cushioning from the midsole is accommodating, while it is thought that the top does a good job of being breathable and comfortable around the foot. On the other hand, several customers have criticised the provided insole for being thin and unpleasant, and the fit has been deemed unsatisfactory. Pros ConsA pleasant and comfortable paddingSlipping footAppealing design Narrow space for forefoot Pretty affordable Breathable [B-02] Conclusion These running shoes are great for activities like running, jogging, and working out, but they are not advised for sports like cricket, volleyball, tennis, or athletics. They are best suited for activities like those mentioned above. In addition, you may wear it when you go out with your pals while wearing casual attire, such as jeans, a t-shirt, and pants. 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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