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Lifestyle

Get All the Latest IPL Cricket Update Only on the IPL App

Are you tired of opening third-party websites to stay up to date on IPL scores? Download the new official IPL app for an immersive IPL experience on your mobile. Indian Premier League (IPL) 2022 The IPL 2022 was the 15th edition of the T20 cricket league. It was also known as the “Tata IPL 2022.” This was due to Tata being the official title sponsor of the IPL. Disney+ Hotstar is the official online streaming partner of the IPL. Star Sports is the official TV broadcaster. The Gujarat Titans and Lucknow Super Giants were the debutants. [B-01] 10 teams participated in this edition. The unexpected winners of this edition were the Gujarat Titans. However, they were only the 6th most popular team in audience polls. The most popular team was the Royal Challengers Bengaluru. The most popular player in the tournament was Virat Kohli. He achieved this for the third time in a row. Oil giant Aramco sponsored the Orange and the Purple cap. The Aramco Orange Cap winner was Jos Buttler with 863 runs. The Aramco Purple cap winner was Yuzvendra Chahal with 27 wickets. An increase in the media popularity and audience engagement of IPL As per a recent report by Wavemaker, IPL is the second-buzziest sports league in the world. The top one is the English Premier League. Since 2021, the buzz surrounding IPL has increased by 300%. In 2022, IPL received over 6.5 billion views across all digital platforms. Hence, digital rights for 2023–2027 were sold for more than TV rights. The IPL App To get more viewer engagement, IPL released its official app in 2012. The IPL app is available for both Android and iOS-based devices. Mumbai-based IN10 Media Private Limited developed the IPL 2022 app. The company also develops regular updates for the app. Features of the IPL 2022 App The app is a mobile product for the IPL T20 website. It is available on the Google Play Store and the Apple App Store. Here’s what you can do with the IPL app: Watch highlights, magic moments, interviews, and press conferences for each day of the tournament. The media player in the app has the option of adjusting stream quality. Now you don’t need to search for highlights on YouTube or elsewhere. Just open the IPL app and a treasure trove of videos awaits you. Access a detailed schedule providing the IPL match list. The results of all previous matches are also available. Never miss an IPL match by checking this schedule. Detailed team and individual statistics are available. Find out who the top team and individual performers are. Monitor the purple and orange cap leaderboard. Vote for your favourite players in the fan poll section. The points table gets updated with every match. Keep track of the position of your favourite team. IPL provides a Fantasy League powered by Dream11. You can either choose to play Season Long or Daily Fantasy. In Season Long, you create a team for the whole league. In Daily Fantasy, you create a new team for every match. Play in the fantasy league to win official IPL 2022 merch. You have the chance of winning autographed jerseys, goodies, etc. For each match, live scores and ball-by-ball commentary are available. This comes along with a LIVE stream of match photos. Suppose you don’t have enough data to access a live stream. This is the second-best option for enjoying the match. Stay updated with the live score on the go. Using the app, you can also view IPL match selfies taken by various teams and star players. BCCI approved a Women’s IPL as a separate event. The app has an additional section for the women’s franchise. Follow all details of the women’s IPL in this section. Access to social media updates across all platforms. Read the latest blogs and match reports with detailed match analysis. Keep an eye on the News section to stay informed. The official app is ad-free. There are also no in-app purchases. All features are available free of charge. This is the best advantage of the IPL App. Other apps have a lot of ads. Information for the IPL app on the Apple App Store ProviderIN10 Media Private LimitediPhone CompatibilityiOS 11 or later is required.iPad CompatibilityCompatible with iPad OS 11 or lateriPad touch CompatibilityCompatible with iOS 11 or laterMac CompatibilityCompatible with macOS 11 and later, as well as Macs equipped with an Apple M1 chip or later.Size 82 MBLanguagesEnglishAge rating 4+Current app rating 4.5/5 Information for the IPL app on the Google Play Store ProviderIN10 Media Private LimitedAndroid CompatibilityCompatible with Android 5 or laterLast Updated on 08th June 2022Version 10.4.2.990Size 18 MBLanguagesEnglishAge rating 3+Current app rating 3.8/5 The outlay of the IPL app The new app is full of UI/UX design features. The following items are shown in the following order on the first display screen: A floating panel with top social media posts and videos Standings for both Men’s and Women’s IPL Schedule for both Men’s and Women’s IPL Featured Videos Section Latest news section All videos section followed by the Interviews section Top highlights section Women’s and Men’s results The menu button is on the top right-hand corner of the app. It contains 6 options namely: Fixtures: You can keep track of the fixtures. You can also buy tickets through the app. Results: Match-by-match results are visible here. Click on the Match Centre button to view the detailed stats of the match. Points Table: Available for Men’s and Women’s franchises. Teams: This section provides details about each team and their players. News: A one-stop centre for all social media posts Gallery: View hundreds of images for each match, including the opening and closing ceremonies. [B-02] Conclusion Download the official IPL app now to have an amazing IPL experience. The app is available for free and is ad-free. It is packed with so many features and is easy to use. Enjoy content like match highlights, exclusive interviews, the fantasy league, etc. You can also visit the Piramal Finance website to learn more about finance-related topics. Read more related blogs on their website, or explore their financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Lifestyle

Formal Wear for Women – What’s Trending?

Indian fashion has been stuck with its culture and rituals for decades. But in recent times, Indian fashion has come into the mainstream. Fashion houses have started adapting to the vastness of Indian culture with great zeal. The changing role of women in society has also added to the modernisation of Indian fashion, with women now holding powerful positions. Women’s formal looks have always been confined to monotonous sober colours and vague stripes. However, the changing times have brought a new wave of transition. Women’s formal wear has expanded its horizons and covers many outfits, from dresses and gowns to formal tops and palazzos. [B-01] Is it necessary to differentiate formal wear from routine wear? What we wear indeed represents our personality. The way we carry ourselves in a workspace represents our business etiquette. The first impression is the last impression, and doing it right is essential to ace your work game. We understand that selecting the right look for the office can be tiresome. A lot of thinking goes into deciding what to wear to the office. Formal wear must be differentiated from what you may wear to a friend’s party. There have always been incomplete discussions regarding what the most appropriate formal dress code is for women. However, there is no doubt that formal attire for women demands modesty and elegance. From classic business suits to traditional sarees, ladies’ formal office wear is always under scrutiny. Therefore, formal wear must be separated from routine wear to give women a brighter and better look at workspaces. Outfits to wear for your next day at the office Indian formal wear is vast and consists of both traditional attire and western outfits. There has also been some inclination towards indo-western wear recently, a combination of Indian and western wear. Let us have a look at the 7 most affordable and convenient formal outfits for women: Sarees– Often termed as the most graceful and modest attire for formal meetings, sarees are here to rule. It is the most widely accepted professional and formal outfit. There is a wide variety of sarees available in the market, with each region of India adding its authenticity to the outfit. Fabrics like cotton silk, chanderi and Kota silk are preferred for daily office wear. It is advisable to wear sober and sleek blouses with not-so-bright colours. Salwar Suit– It is the most popular apparel among Indian women due to its comfort. Not well suited for boardroom meetings but is a great option for daily office wear. Salwar suits provide liberty to women as they can be mixed and matched with different options. Knee-length tops may provide a more formal look. Go for simple and straight kurtis with matching salwars whenever in doubt. Dresses– Popular among women abroad, dresses have also become a crucial part of Indian formal wear. Dresses of knee-length or below the knee are apt for formal business meetings. Darker shades like black, maroon or dark blue can be selected to achieve an extra formal look. Shirts– Shirts can never go out of fashion and are easy to choose from. They can be paired with trousers or pants. Shirts come in varying lengths, like full sleeves and mid-length. Subtle colours go well with corporate events. When worn with good-fitting trousers, a shirt is an iconic look to sport in boardroom meetings. Formal Blouses– Men usually have fewer options to explore, unlike women, who can choose from a wide range of formal tops and blouses. Formal blouses provide a modest and chic look appropriate for client meetings or even daily wear. Such blouses create a more feminine silhouette with their elegance. They can be paired with formal pants or trousers. Tops with minimal and sober prints can be worn to offices. Skirts– Skirts stand for elegance and class. They can be easily worn with either formal tops or shirts. It is advisable to wear knee-length or below-the-knee skirts at corporate events. Solid colours like maroon, black, or blue provide an upper edge to ladies. Women can also opt for skirts with minimal prints to stand out and look stylish. Blazers– Formerly worn only by men, blazers are now a go-to option for working females too. Blazers provide an edgy yet corporate look. They can be worn over a formal top or shirt paired with trousers to give a full formal look or with skirts for outdoor corporate events. [B-02] Conclusion We have arrived at the fact that ladies’ formal office wear is vast, and choosing the right outfit can be tiresome, but we have provided you with all the essentials to enhance a woman’s formal wardrobe. There is no doubt that women have to perform multiple roles and thus prefer cross-functionality in their clothes. Classic formal wear has always been popular with women, but with changing times, they also prefer to experiment and wear something fresh. With globalisation, the demand for stylish formal wear has risen, and with international brands in place, their needs have been fully met. We at Piramal Finance care about your financial requirements and are here to become your partner in personal loan services. Read more related blogs on the Piramal Finance website to explore our financial products and services
08-11-2023
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Education

Small Business Ideas in India for Starting Your Own Business

Starting your own company and setting your own hours can be incredibly satisfying. It provides you with numerous opportunities to earn some additional cash, not to mention the chance to make it your full-time profession. You’ll have to face the difficult task of coming up with a business plan when you open your own company in India. But it can be challenging to know where to start if you’re just getting started. This guide will help you decide what kinds of small business ideas in India are available to start your own business. Here are the eight best business ideas in India that you can start right now: [B-01] 1) Auto Repair Services If you’re good with cars, have strong people skills, have a positive attitude, and take pride in your work, starting your own automobile repair service centre could be a good way to make money. Indeed, it is one of the best small business ideas in India you can go for. This job involves diagnosing car problems, performing repairs, and making sure that customer vehicles are returned to them in excellent condition. You may need some experience and knowledge before getting started with automobile repair services. 2) Start Blogging and Vlogging Thanks to the advent of the internet, there are several opportunities to create a new business, one of them being blogging. In the early days, it was a low-risk form of amusement and diversion. Today, blogging and vlogging are some of the best business ideas in India for becoming rich. You can share your knowledge with others who are looking to start their own businesses, which could lead them to hire you as an expert consultant on their projects. 3) Sell Crafts Online Wanting to have a small business idea in India to start from home? Depending on your skills, you could make and sell crafts online. A wide variety of people do it, so there’s no reason you can’t. You don’t even need to rely on your products to make money online with crafts if you start a shop where other artisans can sell their products. You can find tonnes of e-commerce templates online that are very customizable. So, anyone with web design experience will be able to set one up in no time at all. 4) Mobile Repair Service From various small business ideas in India, the mobile market is huge and it is growing day by day. The main problems in the mobile market are that it’s not organized, existing mobile experts do not have enough skills, and people don’t want to visit a shop. You can provide a door-to-door mobile repair service that is a much more convenient and easy solution. With the skills, training, and tools needed and a little entrepreneurship, you can provide same-day door-to-door mobile repair service. You could charge an hourly rate that is reasonable for the area. 5) Selling Clothes and Accessories Here is another small business idea in India to try. By narrowing your focus, you can target customers more easily, come up with unique ways to offer value, and avoid competing with bigger brands. Instead of selling clothes and accessories that everybody needs, you can rent high-priced apparel at a much lower cost, a trend that can be used for profit by establishing a rental service. Also, you can sell things that are harder to find, like tie clips and cufflinks, hot pink socks, and leather wallets. If people like what they get the first time around, they’ll be back for more. 6) Start a Tiffin Service Tiffin services is an industry with great potential. Tiffin services are in demand among employees due to their convenience. The increasing trend in tiffin services is mainly in large urban and semi-urban areas. Set up a small business idea in India that provides lunches, snacks, and other goodies. It will allow you to work your own hours and be your own boss. You can offer deliveries or even set up in office buildings or residential neighbourhoods where people are more likely to want someone else to cook their meals. With these types of small business ideas in India, it’s usually not necessary to be licensed in any way. All you need is some kind of equipment and supplies, business cards, websites that explain what you do, good social media profiles (if applicable), and lots of patience! 7) Start Tuition or Coaching If you’re passionate about teaching, tutoring can be a great side business idea to bide your time. If kids aren’t your thing, there are plenty of other subjects you can teach: writing, art, music, and even foreign languages. To find clients, contact parents directly through email or social media. Explain that you’ll be using their child’s fun time to hone a skill that will help them succeed in life. The majority of their parents will be thrilled about your services and won’t mind paying a good amount of money. [B-02] Conclusion Choosing an idea as per interest from various small business ideas in India is an important decision. If you’re just starting out, you don’t want to commit a lot of time and resources to something that won’t work out. But at some point, you’ll need to take that leap—you have an idea now, so it’s time to put it into action. Whether your goal is financial independence or just earning extra money for your family. You can start a small business from any of these 8 best business ideas in India today. And if all goes according to plan, one day soon, starting a business may be something else on your bucket list! If you need help financing your small business idea, reach out to a financial expert like Piramal Finance. They will suggest what’s best for you and help take care of your personal loan requirements, if any.
08-11-2023
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Home

Top 10 Best Home Water Purifiers in 2022

A home water purifier is important for many reasons. It rids the water of impurities. It helps with hard water. It makes the taste of water better. It makes the water safe to drink. A good water purifier is vital for health. Check out our top 10 picks for the best home water purifiers in 2022. [B-01] Eureka Forbes Aquasure from Aquaguard Amaze RO+UV+MTDS Water Purifier The quality of water directly affects our health. The Aquaguard machine has UV-C purification. The water is as safe as boiled water. Reverse osmosis is also used. The MTDS controller allows you to fine-tune the taste of drinking water depending on the source. Installation is easy. The water purifier saves up to 60% of water. This is more than other water purifiers can do. There is 50–75% water waste. It works without electricity. The transparent tank is user-friendly. The purifier has a 7-liter capacity. It weighs 4.7 kilograms. This makes it easy to wall-mount. Eureka Forbes AquaSure from Aquaguard Delight RO+UV+MTDS Water Purifier These water purifiers reduce waste by up to 60%. MTDS lets you adjust the flavor of the water. The cartridge life is 6000 liters. The LED indicators show power status, purification status, and tank capacity. When the tank is full, the energy-saving mode switches on. This 7-liter purifier is handy. It works well for small families. HUL Pureit Copper+ Mineral RO + UV + MF 7 water Purifier Copper is the hero of this device. This advanced purifier is magic. It infuses 99.8% pure copper into the water. The dual dispensing option is useful. You can choose the RO water option. Or you can get copper-charged RO water. The copper dose is the right amount. It is also fresh each time. Every glass of water has fresh, optimum copper. Sedimentation is one of the purification methods used by the device. It has an eight-liter capacity. You can place it on the table. It can be mounted on the wall. HUL Pureit Eco Water Saver Mineral RO+UV+MF AS Water Purifier The Pureit Eco water saver saves up to 80 glasses of water daily. This is better than many other purifiers. Different purification methods are used in the device. It removes viruses, bacteria, heavy metals, and pesticides from water. It enriches essential minerals like calcium and magnesium. It has a 10-liter capacity. It is a good choice for a large family. You don’t have to worry about the expiration of the GermKill kit. The device has a warning system. It will tell you if you need a replacement. V-Guard Zenora RO+UF+MB Water Purifier The Zenora model has an intelligent design. A world-class RO membrane removes impurities effectively. The hollow-fiber UF membrane prevents small particles from entering the water. The purifier is ideal for Indian water conditions. It can treat any kind of water. This includes borewells, tanker water, and municipal water. The device has long-lasting performance. It does not need too much maintenance. It has a 7-liter capacity. The device weighs close to 9 kilograms. Mi Smart Water Purifier RO+UV The Mi Smart Water Purifier is a great machine. It has the first smart WP in India with filter replacement. You can change the filter in fewer than 30 seconds. The filter lasts for a year. This device is a good choice for long-term use. Buying a filter is easy. You can use the “One Click” option. The Mi app alerts you when it is time to change the filter. You can buy the filter on the app too. The device weighs about 7 kilograms. It has a 7-liter capacity. KENT Maxx UV Water Purifier (11013) KENT Maxx UV Water Purifiers ensure 100% pure and germ-free water. It uses UV+UF technology. The purifier cleans tap water. It works for municipal water too. This makes it ideal for domestic use. The purifier has a transparent storage tank. It is easy to clean. It is detachable. The UV lamp in the device is 11W. It kills microorganisms to ensure safe drinking water. The device weighs 6 kilograms. Its capacity is 7 liters. AO Smith Z9 Water Purifier This machine purifies in 8 stages. Its mineralizer technology adds essential minerals to the water. The result is fresh water. The pH is balanced. This is important for drinking water. The water purifier has advanced technology. It saves a great deal of water. The purifier has another interesting feature. It has a glowing effect. It makes your kitchen look good. You can find the device easily. It has a huge 10-liter capacity. It weighs more than most purifiers. It weighs more than 15 kilograms. The purifier is a good choice for a large family. It may be used in a hostel or office, too. Blue Star Aristo RO+UV+UF 7-Liter Water Purifier The water you drink is safe. This is the Blue Star Aristo’s Triple Layered RO+UV+UF protection. Its Aqua Taste Booster (ATB) makes water taste better. It maintains the pH level of water. This makes the water taste even better. Activated carbon is filled with copper. This removes odors from the water. It also eliminates pesticides and herbicides. When the tank is full, the Tank Full indicator lights up. It weighs 8 kilograms. It has a 7-liter capacity. Faber Galaxy Pro Plus RO+UV+ MAT Water Purifier The Faber Galaxy water purifier ensures a mineral water supply. It has a 7-stage purification process. The mineral-added technology has many advantages. It helps maintain a healthy metabolism. It promotes strong bones. It improves the nervous system. The minerals help with strong teeth, bones, skin, and hair. It uses UV and RO to give you safe drinking water. The 7-kilogram device has a 7-liter capacity. [B-02] Conclusion Waterborne diseases are one of the most common issues in India. The water can be contaminated by sewage, pollution, or runoff from farmland. By removing harmful microbes and chemicals from the water, water purifiers can help stop diseases that are spread by water. The best way to protect yourself is to have a home water purifier. The purifiers listed in this article are some of the best you can buy in 2022. They are effective, safe, and efficient. These are among the top-selling brands on the market. You can buy them based on your choice. If you need help with finances, you can always take the help of experts such as Piramal Finance to learn about your best options, such as credit card and personal loan solutions.
08-11-2023
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Health Insurance

Tips To Buy the Best Health Insurance Plans in India 

Health-related expenses keep going up, and so do lifestyle-related disorders. The increase in health insurance policies covering these disorders is a sure sign that people are taking their health more seriously. But, with tens of vendors and a hundred different policies, it can be hard to pick one. This blog seeks to provide you with some helpful tips to help you choose a health policy that best satisfies one’s demands. [B-01] 1. Look for health insurance coverage The first step while choosing a health policy is to make a list of the extent of coverage one might need. A standard policy would cover the costs of hospitalisation and major surgeries. But, post-hospitalisation expenses, daycare procedures, or ambulance charges may not be covered. So, make it a point to identify what is covered and what is not when choosing a health insurance plan. 2. Keep the cost of premium low It’s important to look for a health plan that covers all bases. But it’s also important to ensure that the monthly or yearly premium is affordable. Having a budget in mind might help ease the process of comparing one health policy against another. You can always increase the coverage later, depending on your income and the number of family members. 3. Take the hospital network coverage into consideration Every health insurance vendor partners with a different range of hospitals. This network may vary from one vendor to another. The official website of your chosen insurance provider will explicitly mention all the hospitals that come under their network. So, make sure that your healthcare provider of choice is included in this list. Finding a new doctor and transferring digital health records from one place to another is usually tricky. 4. Opt for a family health insurance plan An individual health insurance plan costs significantly less. But it’s always a good idea to plan for the future. Opt for a family floater plan that lets you add in dependents later. In reality, a family health insurance policy costs less than individual ones for every family member. 5. Pick a health policy that offers lifetime renewability Yet another aspect to look at while opting for a specific health policy is if it offers lifetime renewability. This is always a better option since one is more likely to need health insurance later in life. While you can always get health insurance later on, it’s a tiring process. The cost of getting insured also tends to be sky-high then. 6. Get a health insurance plan early The older a person is, the more difficult it is to get them insured. A younger individual is less likely to experience their policy getting rejected. Keeping this in mind, getting insured at the earliest is always recommended. So, now one need not have to worry about extended waiting periods or sky-high insurance premiums. 7. Look out for settlement ratios The settlement ratio is a variable to look out for when comparing health insurance plans. It is calculated by dividing the number of claims that reach a settlement by the total number of settlements. Make it a point to pick a health policy that reports high settlement ratios to maximise the chances of a successful claim. 8. Keep an eye out for copay and exclusions What exactly does the term ‘copay’ mean? Some health insurance plans require policyholders to pay a certain share of the total bill even if insured. This might be hard to do when one doesn’t have money at hand. A better idea of these terms and conditions may help one be prepared for such an eventuality. But, picking a health policy with minimum copay stipulations might help avoid such a situation entirely. On the other hand, ‘exclusions’ is a term used to describe a list of health conditions not covered by a health insurance plan. This, for instance, may include mental health disorders. So, make it a point to read the documents carefully and understand the diseases not covered under the policy. 9. Note down the waiting period for pre-existing diseases Health insurance vendors list down waiting periods for pre-existing diseases. This time period tends to vary from one illness to another and also from one vendor to another. It is generally around 2 to 4 years for most, if not all, pre-existing diseases. It’s recommended to keep this time period to a minimum since emergencies cannot be avoided, and unforeseen health circumstances can occur anytime without warning. 10. Take advantage of discounts A lot of health insurance agencies tend to reward their customers with attractive discounts. These discounts are now an essential part of the health insurance package. Some vendors tend to offer a discount if no claims were made in a financial year. Meanwhile, others provide one-in-case payments for two-year plans instead of one. So, pick a health insurance plan that provides the maximum discounts in order to make the most of the premium paid. 11. Check the reputation of agencies What most people tend to forget to check while picking a health policy is the reputation of the firm. Read through online reviews of different agencies. Are their paying customers happy with the after-sales service? Have their claim settlements been satisfactory? If the answers to these questions are a resounding yes, then it is prudent to go ahead. Do talk to friends and family to understand their opinion of the vendors they chose. [B-02] Conclusion Picking the right health insurance plan is an important financial decision. It’s a decision that will likely have financial ramifications for years. So, make it a point to be aware of the extent of coverage, exclusions, caps, copay stipulations, and discounts offered. Take a keen look at all the paperwork, terms, and conditions before making the final decision. With the help of internet portals, it’s now easy to compare different health policies against each other. If you need more guidance and assistance with availing of health insurance, seek the help of financial experts like Piramal Finance. Check out their blogs for more information on insurance coverage or about products like personal loans, credit cards, EMIs, and more.
08-11-2023
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Tips & Advice

Buying Car Insurance Online Can Save You Time And Money

Car insurance has never been more important than now. It serves as a safety net in the event of an accident. Further, car insurance also covers third-party liability. But do all the four-wheeler insurance policies cover us as well as third parties? The answer is no! The extent of coverage varies among different insurance policies. There are various methods to buy car insurance. Let’s discuss the typology and why buying car insurance online is beneficial for you. [B-01] What is Covered Under Car Insurance? There are two types of car insurance coverage: comprehensive car insurance coverage and third-party car insurance coverage. Let us see the coverage provided by them. Comprehensive Car Insurance Cover A comprehensive car insurance policy provides the following benefits: Complete third-party coverage: It includes everything that third-party car insurance covers. Damages to your own car: The cost of getting your car repaired after the accident is covered under this car insurance cover. Personal accident cover: The cost of treatment for the injuries suffered by the owner-driver is also covered here. Theft: If your car gets stolen, then this car insurance cover compensates you for the same. The amount of reimbursement shall be the declared value of the car. Fire: If your car catches fire, this cover will provide coverage for the same. The amount of coverage will be equal to the declared value of the car. Natural calamities: The amount of damage caused by natural calamities is huge. However, you don’t need to worry about this with comprehensive car insurance coverage. You can claim damages in case your car is subject to natural calamities. Add-ons: They further enhance your cover. Add-ons include zero depreciation cover, consumables cover, tyre damage, etc. Third-Party Car Insurance Cover A third-party car insurance policy normally provides for the following: Third-party damage: Any damage caused to the property of a third party due to the accident is covered under this insurance cover. Treatment Costs: If a third party is injured, the insurance company will cover the costs of treatment. Death Compensation: In the event of the death of a third party in the accident, your car insurance will cover the same by compensating the affected family. Legal Liabilities: A legal liability may arise due to any event that involves the insured car. Third-party car insurance provides coverage against such legal liabilities. To sum up, it can be said that the third-party car insurance policy covers all the damages caused to a third party. However, it does not cover the costs of your injuries. To get the same, you need a comprehensive four-wheeler insurancepolicy. What is the Best Way to Buy Car Insurance? You can buy car insurance coverage through any of the following modes: Online: Here, you just need to visit the website of the insurance provider. You can browse the plan and select the one that suits your needs. Offline: You can visit any insurance provider’s office directly. They will assist you with buying car insurance. Through an agent: You can also buy car insurance through an agent. The agent fulfils all the formalities of buying car insurance. Further, they guide you through the selection of the best plan that suits your needs. The following are the major benefits of buying four-wheeler insurance online: Comparison: Before buying car insurance, you must compare various policies and insurers. But this becomes difficult if you go for offline buying. The options get limited here. Buying a car insurance policy online helps you compare various policies. You can also compare different insurance providers to select the one that provides the best plan. Minimal paperwork: Purchasing car insurance online saves you time and money. In the case of offline purchases, you need to complete various formalities. But this is not the case with online purchases. You just need to provide the required details online and buy the insurance. Convenient: You don’t need to physically visit the insurance company or the agent’s office. You can simply buy the insurance from the application or the website. Also, you can buy your insurance policy anytime, anywhere. The credibility of the insurer: You can easily check the credibility of the insurer during online purchases. You can check whether the insurer settles the claim quickly. Further, you can also check the claim settlement ratio and opt for the one offering the highest. A low ratio can lead to the rejection of your claim. It defeats the whole purpose for which you obtained the insurance. Economical: If you buy car insurance directly instead of through an agent, then you can save on the commission costs. Insurance companies pay commissions to their agents. This commission is borne by the customers who purchase the insurance policy. It is added to the premium. But no commission is charged by the insurance companies if the insurance policy is purchased online. [B-02] In a Nutshell Purchasing car insurance online is far more advantageous than purchasing it offline. Most people prefer buying car insurance online. This provides them with all the benefits shown above. You just need a smartphone and an Internet connection to insure your car. How are you buying your four-wheeler insurance? For more information, visit Piramal Finance now! Read more related blogs on the website to explore their financial products and services, especially those on insurance, personal loans, and credit cards.
08-11-2023
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Electronics

The Best Top 10 Mini Laptops in the Market

Sometimes it is an excellent idea to go small in so many situations. A mini laptop is an excellent choice if individuals travel frequently and require a small, light device. These mini laptops are compact but are not low on efficiency or reliability. Keeping all of these advantages in mind, here are some of the best mini laptops in India. [B-01] Asus Chromebook C223NA-DH02Due to its high efficiency, enhanced security, and incredibly quick ease, this device is ready for productivity and performance on the move. The body is lightweight at 2.2 pounds and has a slender and premium metallic surface for a stylish presence. Specifications: 1Display Resolution & Size11.6 inches HD & 1366*768 pixels, Anti-Glare Screen Technology2Hard Drive32 GB eMMC (embedded multimedia card) Hard drive3Memory4 GB DDR3 RAM4BatteryLi-Po(Lithium Polymer) Battery5ProcessorIntel Celeron N3350-2.4GHz processor6Dimensions‎29.21 x 19.81 x 2.03 cm7Operating SystemChrome OS 2. HP Chromebook 14A-na1004TU This mini laptop can control home devices, get all questions answered, and can be used for entertainment purposes by voice commands. This device boots up fast and does not consume a long time to update itself. This helps in keeping the performance fast and makes it a user’s delight. 1Display Resolution & SizeAnti Glare Display, FHD, Touchscreen, ‎1920 *1080 Pixel, 14 inches2Hard Drive64 GB eMMC3Memory4GB SDRAM4BatteryLi-Po Battery5ProcessorIntel Celeron N4500 2.8 Ghz processor6Dimensions‎32.5 x 21.8 x 1.8 cm7Operating SystemChrome OS Lenovo 100E Chromebook 2ND Gen LaptopThe Lenovo 100E Chromebook is designed for learning and is sleek, compact, sturdy, and practical. The liquid-resistant keyboard and fall-resistant design can withstand whatever the students throw. 1Display Resolution & SizeHD & Anti-Glare Display Technology, 1366*768 Pixel, 11.6 inches2Hard Drive16 GB SSD3Memory4 GB4BatteryLi-ion Battery5Processor‎MediaTek MT8125 ‎2.1 GHz Processor6Dimensions‎29.01 x 20.4 x 2.03 cm7Operating SystemChrome OS Acer Extensa 15 Lightweight Laptop (4 GB RAM/ 256 GB SSD) The latest Extensa Acer Laptop is thinner and lighter than ever to provide the best experience. With less than 20mm thin and a weight of around 1.7kg, it can accompany the user wherever needed. 1Display Resolution & Size1920*1080 Pixel, FHD, 15.6 inches, LCD Screen Technology2Hard Drive256 GB SSD3Memory4 GB4BatteryLi-ion Battery5Processor‎Intel® Core i3 processor6Dimensions23.8 x 36.3 x 2 cm7Operating System‎Windows 11 Home Acer Aspire 3 AMD 3020e Dual-core Processor AMD 3020e dual-core Processors succeed in multithreaded operations and provide immediate attention to completing the task. The slender casing on the magnificently brilliant HD display means the user sees much more activity and less distraction. 1Display Resolution & Size1366*768 Pixel, FHD, 14 inches, LCD Technology2Hard Drive1 TB HDD3Memory4 GB DDR44BatteryLi-ion batteries5Processor‎AMD 3020e dual-core processor6Dimensions23.6 x 32.8 x 2 cm7Operating SystemWindows 11 Home ASUS Celeron Dual Core – (4 GB/128 GB) Here is the ASUS BR1100 Mini laptop that allows the users to remain in front of the learning curve. This small laptop is powered by an effective Intel N4500 Celeron processor, helping users to accomplish everyday work and study more effectively. 1Display Resolution & Size11.6 Inches, 1366*768 Pixel, Anti-glare Technology2Hard Drive128 GB SSD3Memory4 GB DDR 44BatteryLi-ion Battery5ProcessorIntel N4500 Celeron processor6Dimensions29.4 x 20.4 x 2 cm7Operating SystemWindows 11 Home Dell New Windows 11 Inspiron 3525 Laptop, AMD Athlon Silver 3050U The processor is an AMD Athlon Silver 3050U, which provides extra dependability and smoother efficiency. Dell ComfortView Reduced Blue Light (LBL) system aid in the reduction of damaging blue light emissions while improving eye convenience over a prolonged time watching the screen. 1Display Resolution & Size15.6 inches HD,2Hard Drive256 GB SSD3Memory8 GB DDR44BatteryLi-ion Battery5ProcessorAMD Athlon Silver 3050U 2.3 Ghz6Dimensions‎23.5 x 35.8 x 1.7 cm7Operating SystemWindows 11 Honour MagicBook X 15, Intel Core i3-10110UHonour Magicbook X15 has a High-end Aluminum alloy frame that makes it simple to carry and ideal for work and travelling. This mini laptop safeguards the eyes at all points of time and eliminates visual exhaustion while working. 1Display Resolution & Size‎1920*1080 Pixel, FHD, 15.6 inches, IPS Anti-glare Technology2Hard Drive256 GB SSD3Memory8 GB DDR44BatteryLi-Po Batteries5Processor‎Core i3-10110U, 2.1 GHz6Dimensions‎1.7 x 23 x 35.7 cm7Operating SystemWindows 11 Home HP Pavilion Ryzen 7 Octa Core 5800UThe HP Pavilion Ryzen mini laptop has an HP Imagepad that supports multi-touch motions. The laptop is compact, lightweight, and slim, which looks elegant. The backlit keyboard and Pale Rose Gold colour make it a class apart. 1Display Resolution & Size1920*1200 Pixel, 13.3 inches, Anti-glare IPS Technology2Hard Drive1 TB SSD3Memory16 GB DDR44BatteryLi-Ion Battery5ProcessorAMD Ryzen 7 Octa Core6Dimensions30.9 x 20.5 x 1.69 cm7Operating SystemWindows 11 Home Fujitsu UH-X The Fujitsu UH-X is not one of the most well-known mini laptops in the Indian market; however, its capabilities, efficiency, and customer feedback talk for themselves. The mini laptop does have a 3-sided slender frame and 400 nits of luminance, serving up intense cinematic sequences that extend to every edge. 1Display Resolution & Size13.3 inches,1921*1080 Pixel, FHD screen2Hard Drive512 GB SSD3Memory8 GB DDR44BatteryLi-ion Battery5ProcessorIntel Core i5-1135G7 4 core 2.4 GHz6Dimensions30.7 x 19.7 x 1.6 cm7Operating SystemWindows 10 Home [B-02] Final Takeaway Piramal Finance is a fantastic source of easy financing for customers searching for mini laptops. Explore their financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Business Loan

Details of Business Loan Interest Rate in 2022

Many people want to start their own businesses. Those who already have one, want to expand it and make it bigger and more prosperous. Money is needed, whether it is for small and medium-sized enterprises (SMEs) or Multinational Companies (MNCs). These days, startups are cropping up in every part of India, and they need business loans to operate efficiently. Banks offer loans for businesses specifically for this use. [B-01] Types of Business Loans 1. Secured loans: Individuals and business owners offer collateral like inventory, real estate, machinery, etc. to get a secured loan. They have longer terms, and the rate of interest is low. 2. Unsecured loans and small business loans: No collateral is required to borrow money for unsecured loans. The tenure of this loan is short, and interest rates are high. Private and public sector banks, NBFCs, small finance banks, microfinance institutions, regional rural banks, etc. offer business loans. Under the unsecured category, a smaller loan is granted with a repayment term of up to 5 years. In a secured loan, the amount is high, and the tenure to repay is between 15 and 30 years. Factors Influencing Interest Rates Type of Business The lender divides the loan into priority and non-priority sectors. The rate of interest on loans for the non-priority sector is higher than the rate of interest on loans for the priority sector. As a result, the type of business you have or intend to create will determine the interest rate of your loan. Monthly Income and Ongoing Debts Your company’s monthly income shows whether it is profitable or not. It plays a big role in evaluating whether you qualify for a loan or not. The turnover can fluctuate from time to time. Being consistent is very important because it helps your lender figure out how much you owe and when you have to pay it back. Credit Rating and CIBIL Score Your credit score is based on your credit history and shows your creditworthiness. You will have a good credit score if you have paid a loan on time in the past. Paying credit card bills on time also counts. If you have a good credit score (750 or above), it will work in your favor when you apply for a loan. It will help you have a good CIBIL score. If you have a good credit rating and CIBIL score, you are more likely to get loans from banks and NBFCs. A good credit score helps in getting more perks, less lending rates, and variable tenure or payback options. Collateral/Security Collateral is the security offered as a loan guarantee to the lender. The perks will rise with the value of the collateral. If the bank is given security over highly valued assets like real estate, machinery, equipment, deposits, or home equity. You may get a larger loan amount after looking at the collateral because the risk is low. Business Loan Interest Rates (2022) Name of BankInterest Rates (per anum)HDB Financial Services Ltd.12 to 60Axis Bank12 to 36IDFC First Bank10.75% p.a. and upwardsFullerton Finance12-48Union Bank of India8.90% onwardsRBL Bank14% p.a. and upwardsICICI Bank11.25% p.a.Indifi Finance 12 to 36Lendingkart Finance3 to 36Tata Capital Finance12 to 36NeoGrowth Finance6 to 24Hero FinCorp12 to 36 Startup Business Loans There are many startups in India, and they have access to various loan and private equity investment sources. The Indian government has introduced starting business lending programs for startups and MSMEs. The Small Industries Development Bank of India (SIDBI) gives loans directly to MSMEs and startups, without banks’ involvement. Startup Business Loans have lower interest rates compared to loans given by banks. Bank Credit Facilitation Scheme Headed by: National Small Industries Corporation (NSIC) Target: Credit needs of the MSME units Description: Helps MSME organize the papers that banks want.It enables a large number of MSMEs to obtain credit. Pradhan Mantri Mudra Yojana (PMMY) Headed by: The Micro Units Development and Refinance Agency (MUDRA) Target: It offers loans to small enterprises, non-farm and non-corporate firms. RRBs, commercial banks, MFIs, etc. offer this loan. Details: The program gives loans in three ways of Shishu, Kishor, and Tarun, ranging from 50,000 to 10 lakh rupees. Standup India Scheme for SC, ST, and Women Entrepreneurs Headed by: SIDBI Target: Manufacturing, Agribusiness, or Service Businesses Details: Under this scheme, you can apply for a loan amount between Rs. 10 lakh and Rs. 1 crore. Loans availed through this program can be repaid in seven years. The maximum moratorium period is 18 months. [B-02] Conclusion We hope this article has explained to you the business loan rates that are offered by the various banks, as well as the schemes offered by the Government of India. Make sure to adjust your loan amount, as per the nature, size, and turnover of your business. Conduct thorough research and select the right plan, keeping these factors in mind. Visit the official website of Piramal Finance to get clarity on different loan types and secure the best startup business loans for your business. Find real, personalized information about a wide range of financial products and services, such as personal loans and different financial calculators, here.
08-11-2023
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Credit Score

Everything You Need to Know About Crif Score

Taking a loan from a bank is easy when you don’t have a bad history of loan repayment. The banks should not run into a loss if the customers are not paying the loans they take. For this very reason, most banks ask for your credit score. So, first of all, what is a credit score? A credit score is a three-digit figure that is used to check your chances of making on-time payments on your debts. Good credit terms are typically linked with higher credit ratings. One of India’s four Credit Information Companies (CICs) and major credit bureaus, CRIF High Mark, keeps track of your financial transactions and uses them to check your credit score. The three-digit CRIF High Mark credit score goes from 300 to 900, where 300 is the lowest score and 900 denotes the best. Credit scores are given to both individuals and firms by CRIF High Mark. Before giving you a loan, your lender could ask for your CRIF score to determine your creditworthiness. Let’s look at the Crif score in detail to know how it determines your creditworthiness. [B-01] What is a CRIF Score? Just like other credit bureaus, CRIF High Mark offers a range of Crif scores that is presented as a three-digit number between 300 and 900. The repayment history of a person’s loans, including credit card debt and other loans, checks their credit score. Banks and other lending institutions are more likely to approve your application for a credit card or a loan if you have a high CRIF score, which reflects your good credit behavior. What is a CRIF Credit Report? A CRIF credit information report is a detailed account of your historical credit information behavior. You can find the following details in your CRIF High Mark credit information report: Your personal information (name, ID number, DOB, etc.) The total number of open credit accounts Your history of payments Your payable debt to the lenders The number of recent inquiries that the banks have made about you. All the above-mentioned data is used to derive a CRIF Highmark Credit Report, which would enable the banks and NBFCs to decide whether or not to sanction you a loan. Why you must maintain a good CRIF Score? A high CRIF score will help you get better deals on anything from personal loans to new credit cards. The perks of keeping a high CRIF score are as follows: You can quickly get a personal loan, a mortgage, or a vehicle loan. With a high CRIF score, your chances of getting loans at reasonable or the best rates available increase as your creditworthiness rises. You might be able to work out a repayment plan with your lender. To fill the gap in your spending, you may get a credit card with a bigger credit limit. A strong CRIF score may make it easier for you to get your ideal job because many firms now include credit score reviews in their background checks. How to Check Your CRIF Score and Report? By following the ways listed below, you may verify your CRIF score and report: Fill in your personal information: Visit the official CRIF High Mark website and give your information, including your full name, mobile phone number, birth date, address, and gender. Also, you will have to give identifying details, such as your PAN number, voter ID, passport number, driving license number, etc. Choose your report type: Either an instant report or a free report are the available options. Within 5 minutes, your instant credit report would be there to download, but it would cost you INR 399. It may take as long as 3 days before your free credit report is available for viewing. Confirm your inquiry: Lastly, you have to provide information about your credit history to verify your identity. Your credit report will be sent to your email ID if you respond correctly. How can you improve your CRIF Score? Maintaining a CRIF score is very important. Here are some ways to raise your CRIF score, which is important because it can persuade banks and other lenders to make good lending decisions for you: Use your credit card wisely: If not used cautiously, credit cards can harm your CRIF score. Credit cards tend to increase your loan-taking tendency, leading to their overuse and, thus, poor CRIF scores. Stay Debt-Free: Make an effort to take on as few loans or debts as possible. If you have taken out loans, try to repay them as soon as possible. Bad loan habits can worsen your CRIF Credit score. Thus, take and repay loans responsibly. Keep a check on your CRIF Score: It is a good habit to keep an eye on your CRIF Score. It will help you improve and manage your credit behavior. Also, keeping a track of the CRIF score would enable you to take quick actions to improve your CRIF Score. [B-02] Conclusion Maintaining a CRIF score and report is vital to ensuring that your creditworthiness remains good. A CRIF score of 700 or more is considered good by most lenders. On the other hand, a CRIF score of about 900 is considered excellent. So, always maintain a CRIF score above 700. The credit score and report assist lenders and CRIF members in making good loan choices and safeguarding them against fraud. It also gives the option to verify the credit score, raise your credit score, and fix any reporting inaccuracies. If you want to read more about other finance-related topics, then do visit Piramal Finance. Read more related blogs on our 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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