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Education

Process of Linking an Aadhaar Number to an EPF Account

The Employee Provident Fund (EPF) is one of the best savings programmes for employees. It allows you to save a small number of your monthly payments and build up a big amount for the future. Adding Aadhar to the EPF account makes it easier to withdraw or transfer funds. It also has many more benefits that will be covered in the sections further. You must have a Universal Account Number (UAN) to access all prior and current PF accounts. Each employee contributing to the EPF is given a UAN – a 12-digit unique number. Following the steps given below, you may link UAN with Aadhar online and offline. To complete this procedure online, you would need the UAN. [B-01] What Are the Perks of Linking Aadhaar to an EPF Account? Employee Provident Fund Organization (EPFO), which has over 4 crore subscribers, urged its users to link UAN with Aadhaar. This will allow quick verification of information. The following are some of the advantages of linking Aadhaar to the PF account: When your Aadhaar is linked with the UAN and EPF, the chances of having a discrepancy are low. This is because the information will be the same as the Aadhaar card information Reduces the chances of a duplicate account Employer’s attestation is not required to withdraw the PF amount. The whole procedure can be completed online and without difficulty The Aadhaar card information will appear under the ‘Approved KYC’ page after the approval of linking How to Link UAN with the Aadhar Card Offline If you are unable to link UAN with an Aadhar online then you can do so by visiting your local EPFO office. The steps that must be taken to link UAN with Aadhar in offline mode: Step 1 Get the “Aadhaar Seeding” application form from the EPF branch Step 2 Fill out the form and enter the UAN, Aadhaar, and other information Step 3 Self-attest the copies of the PAN, UAN, and Aadhaar with the form Step 4 Submit the form to an EPF office or Common Service Centre also called CSC Step 5 After verification, the EPF account will be linked to your Aadhaar Step 6 Lastly, you will get a message on your registered mobile number How to Link UAN with the Aadhar Card Online Here are three steps to link Aadhar with PF account online: Using the UMANG App to Connect the Aadhaar & EPF Account UMANG (Unified Mobile App for New-age Governance) is a project of the Government of India. By adhering to the steps below, one may simply link Aadhaar with the PF account using the UMANG app: Step 1 To begin, open the UMANG app Step 2 Go to the ‘All Services Tab’ and select the ‘EPFO’ Step 3 Go to the EPF section and choose “e-KYC services” Step 4 Under “e-KYC Services,” choose “Aadhaar Seeding” Step 5 Now, add your UAN and click on “Get OTP” Step 6 You will receive an OTP on the registered mobile number with your EPF account Step 7 Enter the Aadhaar information after the OTP verification is done Step 8 Then, wait for another OTP to be sent to the registered cellphone number and email address Step 9 After verifying the OTP, the UAN will be linked to the Aadhaar number How to Link UAN with Aadhar Using Biometric Details You can also use your biometric credentials to link your Aadhaar with the PF account. This can be done through e-KYC on the EPFO site by following the steps below: Step 1 Go to the EPFO website and choose “Link UAN Aadhaar” from the “EPFO Members” option Step 2 Enter your UAN number. An OTP will be sent to the mobile number registered with UAN Step 3 Insert the OTP and click “Submit” Step 4 On the next screen, enter your Aadhaar card number Step 5 Choose the method of Aadhaar verification, using biometrics Step 6 Biometrics will be taken using the biometrics device which is registered Step 7 The data will now be checked against UIDAI data. Aadhaar will be added to the EPF account after successful verification Link UAN with Aadhar using OTP Verification on EPFO’s e-KYC Portal You can link your Aadhaar using OTP-based verification on the EPFO website’s e-KYC portal. For OTP-based verification of the UAN Aadhar Link, follow the steps below: Step 1 Go to the EPFO’s official website Step 2 From the “EPFO Members” menu, choose “Link UAN Aadhar” Step 3 Add the UAN number. You will receive an OTP on your registered mobile number Step 4 Once the OTP verification is done, add your Aadhaar details. Now choose the method of Aadhar verification as email-based OTP or mobile number Step 5 Next, an OTP will be sent to the registered mobile number with Aadhar and email address Step 6 After the information has been validated, the Aadhaar number will be successfully linked to the EPF account [B-02] Conclusion The process of claim settlement can become hassle-free by linking an Employees’ Provident Fund (EPF) account to Aadhaar. UAN Aadhar Link is important, as it helps employees to withdraw or transfer their money easily from EPF. The Employees’ Provident Fund Organisation (EPFO) has taken many steps to encourage employees to link Aadhar with their PF account. UAN is required for all workers and facilitates transferring and withdrawing funds from EPF. By linking Aadhar with UAN, all of the EPF accounts will also be connected to the Aadhaar. One can check out Piramal Finance’s website to learn more about linking Aadhaar with a PF account. For more information on financial matters or about personal loans, credit cards, and financial management, check out the blogs and products on their website!
08-11-2023
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Electronics

Top 10 Best AC (Air Conditioners) in India

Summers in India can be pretty exhausting. The rising temperature and increasing humidity make it unbearable for anyone to be comfortable. While there are many types of home appliances that help in cooling a room or the house, air conditioners are the most preferred option. So, are you looking to buy an air conditioner for your house? Are you searching for the Best Ac Brand in India? If yes, then this is the right place to know all! Keep reading this article to find the best AC In India. Know about the best brand names, specifications, prices, pros, cons and much more. [B-01] 1. Whirlpool 1.5 Ton Inverter Split AC This 1.5 ton capacity split AC by Whirlpool comes withan inverter and a compressor that supports variable speed. It is perfect for any medium-sized room. The copper condenser coil of the air conditioner offers better cooling with minimum maintenance efforts. This AC is also environmentally friendly and comes with a 5 Star energy rating. This makes the AC one of the best AC in India. Specifications Capacity: 1.5 Tons Voltage: 230 Volts Wattage: 1325 Watts Material: Plastic Item Weight: 36 kg Item Dimensions: 100 x 29.5 x 23 centimeters Available Colours: White Installation Type: Split system Annual Energy Consumption: 826.39 Kilowatts Included Components: 1 each of Indoor Unit, Outdoor Unit, User Manual, Remote, Installation Pipe and Wire Price: Rs. 36,490 ProsCons5-star energy ratingComplaints of poor customer serviceComes with a special dust filter feature 5 years warranty on the compressor 2. LG 1 Ton Inverter Split AC This AI smart inverter by LG has various smart features. It adjusts its speed and tonnage based on the heat condition of the room. The AC features 6 different modes of cooling, allowing you to set the temperature based on the heat and crowd inside a room. Other features of this LG air conditioner are a dual inverter, convertible 4-In-1 cooling, Ez Clean Filter, 4-way swing, monsoon comfort and smart diagnosis system. Specifications Capacity: 1 Ton Voltage: 230 Volts Wattage: 938 Watts Material: Plastic Item Weight: 32 kg and 100 grams Item Dimensions: 18.9 x 83.7 x 30.8 centimeters Available Colours: White Installation Type: Split system Annual Energy Consumption: ‎571.99 Kilowatt Hours Included Components: ‎1 each of indoor and outdoor units as well as remote and interconnecting pipe; and 2 each of manuals with a warranty card and batteries Price: Rs. 39,690 ProsConsDual inverter compressor for faster coolingInstallation charges may vary for some areasLess noise operation HD filter with anti-virus protection 3. Daikin 0.8 Ton Fixed Speed Split AC Another Best Ac Brand in India, Daikin’s 0.8 Ton Fixed Speed Split AC is a budget-friendly split air conditioner. This comes with a non-inverter compressor that offers quick cooling. The copper condenser coil ensures low maintenance costs. The Coanda airflow feature offers a uniform cooling system around the room. Specifications Capacity: 0.8 Tons Voltage: 230 Volts Wattage: 709 Watts Material: IDU – High-grade plastic and ODU – HDZP Steel Sheet Item Weight: 36 kg Item Dimensions: 80 x 22.9 x 29.8 centimeters Available Colours: White Installation Type: Split system Annual Energy Consumption: 548.84 Kilowatt Hours Per Year Included Components: 1 each of indoor and outdoor units, remote control, warranty card, user manual, and a 3m copper wire or interconnecting pipe Price: Rs. 25,999 ProsConsPM 2.5 filter to trap fine air particlesNo temperature display in the indoor unitZero Ozone Depletion Potential (ODP) Dry Mode Function for automatic dehumidification 4. Blue Star 1 Ton Portable AC If you are looking for a Portable Ac instead of the usual split or window air-conditioners, this unit by Blue Star brand is one of the best. It efficiently cools small to medium-sized rooms during summers and monsoons. The castor wheels allow easy movement from one room to another. It also features an anti-bacterial silver coating that sterilises the air inside and prevents several airborne diseases. Specifications Capacity: 1 Ton Voltage: N/A Wattage: 1350 Watt Material: Plastic Item Weight: 32 kg and 800 g Item Dimensions: 39.7 x 48.7 x 76.5 centimeters Available Colours: White and Gray Installation Type: Portable Annual Energy Consumption: 2.56 Kilowatt Hours Included Components: 1 each indoor unit, remote, user manual, installation kit and warranty card Price: Rs. 35,900 ProsConsEasy to carry and use around a propertyNo child lockHydrophilic Gold Fin for ProtectionNot useful for very hot and humid regionsAutomatic modes 5. Panasonic 1.5 Ton Wi-Fi Twin Cool Inverter Split AC The Wi-Fi technology split AC features twin cool inverter compressors. It offers the most energy-efficient cooling solution during hot and humid seasons. Made by another Best Ac Brand in India, this offers low-noise working and hands-free options. It also features Alexa plus Google assistant voice control operations. Specifications Capacity: 1.5 Tons Voltage: 230 Volts Wattage: 1360 Watts Material: Plastic Item Weight: 12 kg Item Dimensions: 107 x 23.5 x 29 Centimeters Available Colours: White Installation Type: Split system Annual Energy Consumption: 840.75 Kilowatt Hours Included Components: 1 each of indoor and outdoor units; remote control, holder and screw for holder, user manual, copper tube, warranty card, power supply cord and 2 AAA Batteries. Price: Rs. 41,990 ProsConsEasy hands-free and voice assistant operationNoisy during switch-on and offAnti-Corrosion Blue Fin Technology 5-star energy star rating Overall Best Ac In India Among the list of every Best Ac Brand and their air conditioner unit available in India, the best buy is perhaps the LG 1 Ton Inverter Split AC.Thi provides AI smart inverter technology for a seamless air cooling experience. It also features 6 different modes of cooling and 4-way swing modes for additional comfort. [B-02] Final Takeaway Buying an air-conditioner is not a difficult task anymore. The market is filled with reputed brands offering world-class air conditioners. However, you need to check the different features available in the different AC units. Take note of the features that you require and select the one that suits your budget. The brands mentioned above and the air conditioners listed are some of the best options. Hope this information helps you in making your choice for the best AC in India. Piramal Finance is one of the best financing solutions for shoppers who want to buy the best AC in India in different price ranges. You can always visit Piramal Finance’s website to know more about their offerings and services, such as EMI, personal loans, credit cards, etc.
08-11-2023
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Electronics

Top 10 Best Fully Automatic Washing Machines In India

As the world progresses, newer and better technologies are being designed and manufactured. This is also true for home appliances such as washing machines. But, with so many advanced technologies introduced in washing machines, it also becomes a hassle to choose the best washing machine in India. Here is our list of the top 10 best fully automatic washing machines in India. This list will give intel on the best washing machines in India. So, do keep reading. [B-01] Best Washing Machines in India 2022 LG 6.5 kg 5 Star Smart Inverter Top Loading Washing Machine The LG 6.5 kg 5-star smart inverter fully automatic top-loading washing machine is one of the best washing machines in India. The machine has a capacity of 6.5 kg which is perfect for a family of 4 or 5 members. LG’s smart appliance automatically adjusts energy consumption to the optimal level based on your needs.The machine’s motor is protected by a BMC, which keeps it clean, preventing dust and insects from getting inside as well. Price: INR 14,190 Panasonic 6 kg 5 Star Top Loading Washing Machine The Panasonic 6 kg 5 Star is a stylish and durable washing machine, perfect for small families or bachelor renters. With its rust-proof body, it will last through many years of use! The stainless steel drum is gentle on clothes and ideal for dirt removal. In addition, the high-speed rotation of this machine dries laundry while being safe from bacteria. The washing machine has clever fuzzy control technology that understands what clothes the user is loading it with and then suggests how much water to use. Price: INR 13,490 Godrej 6.2 kg Top Loading Washing Machine The Godrej Top Load Washing Machine is the perfect addition to any home! Made with a 5 to 8 minute pre-set wash program, this machine will get clothes clean without sacrificing time or trouble. It also comes equipped with an automatic soak feature that helps remove stains effectively, making it one of the best top-load washing machines in India. This washing machine has 5 different programs to suit the user’s needs, and its Child Lock feature ensures that the user can disable the control panel, so it doesn’t get ruinous. Price: INR 17,900 Whirlpool 7 kg 5 Star Royal Top Loading Washing Machine This stylish and economical top-loading washing machine comes with a fluid display, giving it an edge over other competitors. The sleek design also makes for easy management of laundry needs in any setting! The magic lint filter in this washing machine is a one-of-a-kind innovation that will keep it clean and running smoothly. With this ingenious piece, users can finally stop worrying about all those little pieces of string or fibre getting stuck in between cycles! The washing machine’s 3-button control panel offers easy access to 12 different wash programs designed for any fabric type. Price: INR 15,490 LG 7.0 kg 5 Star Smart Inverter Top Loading Washing Machine This energy-efficient fully automatic washing machine from LG comes with smart inverter technology that eliminates wasted operations and ensures the best performance. The washer has a Turbo drum that makes it very powerful and removes the toughest dirt through streams of water. The quiet, eco-friendly washing machine motor is protected by BMC Motor. This means it’s free from dust and insects, so users can keep their clothes clean without worry! The washing machine has six wash options for getting clothes clean. Price: INR 17,990 LG 9.0 kg 5 Star Smart Inverter Top Loading Washing Machine The stainless steel rust-proof body of the LG 9 kg ensures that laundry stays hygienic, while its efficient and durable design make it one of the best top-load washing machine options for those with limited space or who go on vacation frequently. The washing machine has a turbo drum that spins at high speeds to remove dirt and clean the clothes.The inverter in this smart washing machine automatically adjusts the power level to suit the user’s needs. Furthermore, it includes three mini pulsators and one main pulsator to create a vertical water stream that mixes laundry up and down repeatedly for even washing. Price: INR 27,490 Samsung 6.0 kg Inverter 5 Star Front-Loading Washing Machine The Samsung 6.0 kg Inverter 5 Star Fully Automatic Front-Loading Washing Machine is a perfect choice for those who want the latest and greatest laundry technology without sacrificing convenience or style points. The Samsung Fully Automatic Front-Loading Washing Machine is an excellent appliance that offers many features. It has a hygiene steam function, an energy-saving digital inverter, a ceramic heater, and an anti-theft system with an LED display that shows the machine’s current steps. Price: INR 21,990 IFB 6.5 kg 5 Star Front-Loading Washing Machine The IFB 6.5 kg fully automatic washing machine comes with the capacity of clean clothes thoroughly and without any damage, even delicate ones! The 3D wash program helps dig deep into the dirt to get completely clean every time. The high-visibility touch panel with LED light makes operating this device a breeze. The heavy-duty water jets of this washer ensure that all clothes are thoroughly soaked and dissolved with detergent. Price: INR 16,590 Bosch 7 kg 5 Star Front-Loading Washing Machine The Bosch 7 kg 5 Star Inverter Touch Control Fully Automatic Front-Loading Washing Machine is the perfect laundry appliance for those who are looking to enjoy clean clothes without worrying about bacteria. This machine comes equipped with an exclusive anti-bacteria feature that will keep whites fresh, bright, and whiter than ever! With its 256 load sensing levels and optimised water usage, this washing machine will leave clothes cleaner than ever before. It also has a unique drum system that helps optimise the amount of time spent inside each cycle for better results. Price: INR 31,490 IBF 8 kg Front-Loading Washing Machine The IBF 8 kg Front-Loading Washing Machine is one of the best front-loading machines on the market, and it offers all the above benefits and more. With its large capacity and wide range of features, it is perfect for just about any household. IBF front-loaders use less water and energy than top-loaders, and they also tend to be more gentle on clothes. Price: INR 36,990 [B-02] Conclusion So, these were some of the best washing machines in India that one could buy right now. One should consider his or her needs and budget before purchasing to ensure that they get the best machine for themselves. If one needs help with appliance purchases or other aspects of the housing budget, one can get in touch with the experts at Piramal Finance for assistance. Visit Piramal Finance’s website to get an insight into their easy financing solutions, such as credit cards, personal loans, EMIs, and more.
08-11-2023
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Electronics

Best Fully Automatic Washing Machine in August 2022

Want to buy a fully automatic washing machine? Then this handy guide is for you. It has all the information about the best fully automatic washing machines available on the market. This includes the best features, pros, and cons. Semi-automatic washing machines require some human intervention. You need to set the wash time, water level, fabric type, etc. With a fully automatic one, you need to select the washing mode and the type of fabric. It will calculate the wash time and water level required on its own. It also allows for soaking, washing, and rinsing in the same tub. Semi-automatic machines do not have this feature. They also provide much better wash quality in comparison to semi-automatics. These are the main reasons why you must buy a fully automatic machine. Now, let us take a look at the best fully automatic washing machines. [B-01] 1. LG 6.5 kg 5 Star Inverter LG washing machines are some of the best in India. This front-loading washing machine comes with an amazing design and an alluring white color. The black LED display panel gives an amazing contrast to the white color. It has an amazing Smart Diagnosis feature. It will find out if there’s any fault in the system by itself. You can download the LG SMART THINQ app to use this feature. Top Features: 1000 RPM Wash Delay Tub clean spin 6 Motion direct drive technology 5-star energy rating 10 wash modes with a waterproof touch panel In-built heater for temperatures up to 95 °C ProsConsEase of useClothes loading issuesMinimal sound and vibration 2+ years warranty Price: Rs. 29,990 2. Samsung 6.0 kg 5-Star Samsung has been a reliable brand for the past 23 years. This front-loading washing machine lives up to that standard. It is ideal for a family of bachelors and couples. The machine works with minimal noise and vibration. The drum has diamond-shaped holes, which help to reduce wash-related damages. Top Features: 1000 RPM 10 wash programs Digital Inverter Motor technology 5-star energy rating Hygiene Steam ProsConsEase of use Slight vibration because of the high RPMDiamond Drum 2+ years warranty Price: Rs 21,990 3. Godrej 6.0 kg 5 Star This is an affordable, top-loading washing machine with an auto-balance system. This system detects load imbalances and rearranges clothes inside the drum. This feature helps to reduce vibrations. This machine is available in gray with a matte finish. Top Features: 700 RPM 6-Turbo pulsator technology Acu-Wash Drum 9 wash modes Toughened glass lid ProsConsModerate price with good performanceBit noisyAcu-wash Drum 10 years warranty on motor Price: Rs. 13,690 4. IFB 6 kg 5-Star This front-load washing machine is one of the leaders in this category. IFB is an Indian manufacturer and is leading the washing machine segment. This silver-colored machine comes at a reasonable price. This machine is compatible with the use of a water softener. Using this, you can reduce the TDS level in hard water. The. It has in-built low voltage protection. Another great feature is the 3D cradle wash technology, which gives excellent wash quality. Top Features: 1000 RPM Trishield warranty protection 10 wash modes Allergen-free wash with Power Steam and Heat Wash Crescent moon drum design Aqua Energie for less water usage ProsConsHeated wash Installation issues4 years warranty on the product 10 years warranty plus spares support on motor Price: Rs. 27,990 5. Bosch 6 kg The German brand is a big name due to its superior quality. This front-loading machine has a white-colored steel body. It comes with an anti-tangle drum to ensure efficient washing and drying. The ReLoad function allows you to add clothes after the cycle starts. Top Features: 1000 RPM Vario Drum for more dirt removal Anti-vibration panels on the side to reduce vibration ActiveWater Plus to maintain the hardness of water 15 wash modes Self-cleaning detergent tray ProsConsVario Inverter MotorOnly 2 kg allowed in some programsAnti-vibration panels In-built heater Price: Rs 25,990 6. Whirlpool 7.5 kg Whirlpool is another common household name in India. This top-loading washing machine is available in a dark gray color. Because of the 7.5 kg capacity and 12 wash modes, it is suitable for large families. Another great feature is the Aqua Store technology. This helps to store water for the next wash in case of a shortage. Top Features 740 RPM 6th Sense Technology to adjust water level in low voltage Zero pressure fill technology that fills the drum with 50% water pressure Power Scrub feature for stubborn stains 12 wash modes Hard Wash Water Technology ProsCons3-button washing action A bit noisy Spiro Wash Action Magic lint filter Price: Rs 18,500 7. Haier HWM65-AE 6.5 kg Haier offers this top-loading machine in gray.The blue lid and the control knobs offer great contrast. It allows for efficient water flow and abrasion-free washing. It also has the Balance Clean Pulsator technology. This allows water and detergents to penetrate deeply and ensure a splendid wash. Top Features: 800 RPM Oceanus cube drum 8 wash modes Bionic Magic lint filter ProsCons5-star energy ratingA bit noisy 2-years warranty Bionic Magic lint filter Price: Rs. 13,990 [B-02] Overall Verdict A great washing machine can be determined based on these factors: Drum size and design Hard water usage Noise and vibration Inbuilt-heating Energy rating Brand warranty and price Based on these factors, the best fully automatic washing machine is the IFB 6 kg 5 Star Fully-Automatic Front-Loading Washing Machine for Rs 27,990. There are no fully automatic washing machines under 10,000 available in the market. So, if you have a limited budget, go for a semi-automatic washing machine under 10000. Piramal Finance offers financing solutions like credit cards and personal loans for shoppers looking for the best fully automatic washing machines. Visit Piramal Finance today to learn more about our financial offerings and services.
08-11-2023
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Home

Best Inverters For Homes In India in 2022

An inverter is usually the go-to solution to the issue of frequent power failures in your house. You should buy a high-quality inverter for your home if you reside in an area with frequent power cuts or excessive power fluctuations. We have compiled a list to assist you in selecting the best inverter for homes because the marketplace is overflowing with inverters from numerous manufacturers. However, before we get to the list, let’s go through some of the basics. The inverter is a device that changes DC electricity into a power supply for devices suited for AC power supply. [B-01] How Does An Inverter Work? As mentioned, the inverter converts a DC power source into AC and then transforms the output voltage. Pure sinewave inverters create the waveform in this connection to suit the power supply at the endpoint. Although some inverters only produce an approximate sine wave, referred to as modified sinewave Advantages Of Using A Home Inverter Intelligent characteristics With the development of technology, inverters now come with Bluetooth and WiFi compatibility. They are readily available in the market. These features enable users to link the inverter with a smartphone application. These applications are simple to download. Such connectivity features make it easy for the user to obtain data. Readings, recharging information, battery information, etc., are at your fingertips. Effectiveness and reliability The best inverters for homes must have both efficiency and endurance. It should provide optimal performance and have a long lifespan. Here, purchasing from a trusted manufacturer ensures the user gets the best inverter for their home. Compatible with high power needs A house inverter needs to be able to handle the energy needs of the household during an outage. Make a list of all the appliances required to keep running during outages. Calculate the power capacity of the inverter accordingly. It helps with the Ah (Ampere Hour) rating, representing the Inverter’s capacity. Best Inverter for Home In India Some of the best inverters for domestic use in India are listed below: 1. Luminous Zelio+ 1100/12V This inverter from Luminous is a pure sinewave one. It features a powerful 32-bit DSP. This technology optimises batteries by calculating the backup and charging time. It also packs an LED display showing the backup time, setting time, mode, battery water level, and more. The Inverter has two modes. In UPS mode, the Inverter maintains the output voltage. The voltage range remains 180 V to 260 V to protect sensitive appliances and electronics. In Eco mode, the battery consumption is reduced to increase backup time. It can run one refrigerator, three fans, two tube lights, or 4 CFLs with zero noise level. Microtek UPS EB 900VA/12V The Smart Overload Sense capability is a function of this Inverter. It automatically turns the UPS off in case of an overload. It resets itself when the load is reduced. An in-built circuit breaker is one of the extra safety precautions to protect electrical equipment. The regular voltage range is from 100 V to 300 V. The restricted voltage range is from180 V to 260 V. Both are selectable by users. It is a squarewave type inverter. It has a load capacity of 4 fans and 4 lights or 3 fans with 3 lights and 1 TV. Luminous Zolt 1100 Pure Sine Wave Inverter This pure sinewave inverter has a 32-bit DSP microprocessor. This technology recharges the battery pack efficiently. Another feature is a safety alert. This system alerts the users in the event of a short circuit, incorrect wiring, battery overcharging, load surge, and low batteries. An auxiliary MCB is also present to safeguard devices. This protects from overload and short circuits. This Inverter can power 1 LED TV, 3 LED bulbs, 3 fans, and 1 refrigerator. Microtek UPS SW EB1100 It is a pure sinewave inverter by Microtek. The manufacturer says that the device promotes quiet, secure, and efficient functioning. The inverter has a switch for choosing the output voltages. The conventional voltage range is from 100 V to 300 V. The restricted voltage range is from180 V to 260 V. Both are available to users. It can power 5 fans, 5 lights and 2 TVs. V-Guard Prime 1150 Pure Sine Wave Inverter This V-Guard Inverter is a pure sinewave one. It comes with a high-performance selector switch. It allows users to adjust the inverter’s power output. According to specific needs, a battery gravity builder is also available for use in the inverter. This helps to maintain battery life and extend backup time. It also notifies customers when it is time to fill the cells with distilled water. It can power 2 LED TVs, 4 fans, 8 LED bulbs, and 1 refrigerator. [B-02] Final takeaway Inverters are available in a lot of varieties. Nowadays, they come with different load levels and safety features. Calculate your utilisation at home, and then choose which inverter suits your needs best. Piramal Finance is an excellent financing option. If you want to get the best inverter for your home, go to the Piramal Finance website to learn more about their easy financing solutions, such as credit cards, personal loans, EMIs, and more.
08-11-2023
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Education

Step-by-Step Guide to Register on the Co-Win App

Vaccination of every age group is essential. The Indian government has launched the Cowin app to ensure this happens effectively. It’s convenient to register and book your vaccination on this app. Senior citizens can even get vaccinated in the comfort of their homes. To register on the app, citizens can open the Cowin app and follow the steps to book their vaccination appointment. However, the Cowin app is not available on Google Playstore. Instead, you can access it through the ArogyaSetu app. This post details the steps to register on the Cowin app and the process for booking a vaccination slot. [B-01] What is the Cowin App? The government of India has launched the Cowin self-registration website and app. It acts as a digital platform to help Indian citizens with vaccination slots. The Cowin self-registration app is operated and maintained by the Ministry of Health and Family Welfare, Government of India. Users can book their slots in their neighbourhood Users can also download their vaccination certificate from the Cowin app, once they get vaccinated Most Indian citizens have taken both their vaccination doses. In January 2022, the government of India launched the booster dose for senior citizens. To book a slot you should log into the Cowin app. Register through the Arogya Setu Cowin self-registration section. COVID cases are still rising in India. Many people are still affected by the virus even after getting vaccinated. Therefore, it is essential to take precautions and maintain safety to stay protected against Covid-19 by following the guidelines properly. The guidelines are mentioned in the Cowin self-registration app. People should also secure themselves financially to fight against COVID. They can choose a COVID insurance policy. The best insurance policy usually takes care of all medical expenses for COVID-19 treatment. Choose a policy that meets your requirements. Steps to register on the Cowin self-registration website: Open the website through the selfregistration.Cowin.gov.in link Enter your mobile number to receive an OTP Enter the OTP and verify your number. (Standard time to input OTP is 180 seconds for verification) After validation, you become eligible to be a part of the Cowin register Enter your personal information (name, number, age, Photo ID, and gender) Click on the ‘register’ button The Cowin self-registration app will send you a confirmation message As a registered user, you can now book your vaccination slot through the website Users can access the Cowin app through the Arogya Setu app. Listed below are some additional facts about the Cowin app: At a time 4 members can be added to the Cowin register Appointments can be rescheduled through the app. However, it has to be done before the pre-booked vaccination date Registered users who have already taken their first dose will receive a reminder for their second dose before the due date of their next vaccination on the Cowin self-registration app The registered account details can be edited before the vaccination appointment. However, the record details cannot be modified after getting vaccinated To book the slot there should be one available. Users can check for slot availability in their neighbourhood by entering their pin code The working hours of the portal of Cowin self-registration are 9 AM to 5:30 PM We’ve broken down the steps to register on the Cowin app to book vaccination slots by following the above steps. Everyone should take precautions to protect themselves from this critical health condition. Not only health but financial safety is also pertinent to protect yourself from the repercussions of the virus. To safeguard yourself you can opt for an insurance plan by picking one from those available on Cowin. Why Opt for Financial Protection Against Coronavirus? The rapid spread of Covid-19 across the country has economically affected citizens and the government. There are several coronavirus insurance plans and policies. You can opt for one to secure yourself against this unpredictable situation. Following are a few of the benefits of having a COVID insurance plan: A financial safety net for your family and loved ones Life coverage at a pocket-friendly rate Easy financial planning and complete protection for the entire family Quick claim settlement Availability of inflation-proof policies You can avoid any uncertain situations arising due to the pandemic by getting a COVID insurance policy. No one can predict an unfortunate, untimely health condition or mishap. If you have a history of health conditions and consider yourself at a higher risk, you need to insure yourself immediately. Checking Your Cowin Register: Vaccination Status On the Cowin app, there is an essential feature which is the ‘Know Your Vaccination Status’ feature. Any Indian citizen can know his/her vaccination details through this feature. Authorized persons can also access the vaccination details. The details are helpful for several purposes: This can help in verifying the vaccination status of individuals in the Cowin register. The status can be whether fully, partially, or not vaccinated The service can also be utilized by travel companies to verify the traveller’s details Employers can verify the vaccination details of their employees Private and government service providers can authenticate consumers’ vaccination data through the Cowin app [B-02] Conclusion The government has launched the Cowin app to make the vaccination process easier and accessible to all Indian citizens. All Indian citizens of any age group and senior citizens can book their slots through this app. Book your vaccination slots through the Cowin self-registration app and safeguard yourself against Covid-19. For more blogs related to healthcare and personal finance, head to the Piramal Finance website. You can also explore their financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Home Loan

Difference Between Short Term and Long-Term Home Loans

Term loans are loans from lenders or banks with a set term and repayments paid over a certain time in easy instalments. Depending on the user and the bank contract, the terms of a personal line of credit could be anywhere from 30 days to 30 years. The interest rate on a term loan might be fixed or variable. Term loans are split into two types based on their tenure: short-term and long-term loans. The ultimate personal loan sum taken and the sum of interest due are determined by whether the loan is short-term or long-term. [B-01] What is the Difference Between Short-Term & Long-Term Loans? Short-term and long-term personal lines of credit are terms used to describe how long a loan must be repaid. A short-term loan is often expected to be repaid in a few weeks to a year. A long-term loan, on the other hand, may have a payback period of several years, for example, 10–15 years. A short-term loan is typically associated with a person’s need for money quickly and in a small amount. Cash advance debts and loans obtained from peer-to-peer lending are short-term loans. Long-term loans are often needed for larger sums of money or loans requiring significant transactions, such as home-buying personal loans. Some loans can be long-term, short-term, or somewhere in between. A motor loan is an instance of this, which might be huge or small based on the cost of the motor. Factors to Consider for Short-Term and Long-Term Home Loans When asking for a home loan, folks must carefully consider the length of the loan since the length of their home loan impacts their monthly EMI and final interest pay-out. To fund the house, you may pick between a short-term and a long-term home loan. The decision between a long-term and short-term personal line of credit is affected by the following factors: Monthly salary The length of their home loan determines people’s monthly payments. A long-term house loan would result in cheaper EMIs, while a short-term house loan would result in higher EMIs. Folks must check that the EMIs are fair and do not exceed 30 to 35% of the monthly salary. This will allow folks to repay their home loan and pay other costs without issue. Age Age is vital when selecting whether to take a long-term or short-term personal loan. If users are in their twenties and have just begun their job, they might consider getting a long-term house loan. As they acquire professional expertise, their monthly salary is more likely to rise, making it easier to repay the debt. If people are already in their late 40s or early 50s, they will have little choice but to take out a short-term home loan. Banks only issue home lines of credit until retirement or for up to 20 years. Interest Rates Before deciding on a long-term or short-term home loan, it must be discovered if the interest rate is fixed or flexible. A fixed interest rate does not change, regardless of market rates. A flexible rate, on the other hand, changes based on market trends. Short-term loans may have lower interest rates than long-term home loans since lenders see a smaller risk and higher EMIs in a short-term loan over the other option. The Aim of Buying A short-term home loan might be better if the user wants to buy a house for business goals. Borrowers who buy a home for personal use might choose a longer payback time. This will cut their home loan EMIs and, as a result, the chance of default. As a result, folks may live properly in their homes while repaying their debt. With these factors in mind, users may grasp the risks of both a long-term and a short-term house loan. Do they want to be free of the stress of EMI payments sooner? They should choose a short-term mortgage. However, folks must be prepared to pay larger EMIs despite a lower total interest sum. If folks cannot afford larger EMIs, they should opt for a long-term house loan. As the interest paid rises, they can pay smaller EMIs. Difference Between Short Term and Long-Term Home Loans FactorsLong-term loanShort-term loanDebt periodMost home loans are long-term, protected loans. The asset-backed property cannot remain wholly in the lender’s name until the loan is fully repaid. The asset is secured for a longer period of time.Short-term loans are often devoid of security. If security is required, the asset might be free of collateralization in a short time.Tenure of loanTenures are often longer than 5 years. The maximum term is 30 years.Tenure is often 5 years or less.The interest rateLong-term personal loans have lower interest rates since repayment spreads over many years.As short-term loan payback terms are short, banks charge higher interest rates to adjust.The rate of paymentLong-term loans can take longer to grant since banks must fully assess a lender’s reputation and repayment ability.Short-term loans are granted quickly since they are for lower loan sums and require less paperwork.EMILong-term loans provide lower monthly EMI payments.Short-term loans must be returned soon, so the EMI is often high. Which Loan Must Users Take Out: a Long-Term or a Short-Term Loan? There isn’t one correct choice when deciding between a short-term and long-term loan. The choice between the two is based on one’s need and capacity to repay. A long-term loan is the finest choice for debtors seeking easy payments without financial hardship. On the other hand, short-term personal loans are suitable for people who want a quick line of credit pay-out and are willing to endure a high-interest load. It is vital to recall that an applicant’s age affects line of credit eligibility. As retirement age nears, it may be hard for people in their late 50s or 40s to get a 20 or 30-year loan, because banks may see them as more likely to not pay back the loan. [B-02] Final Word To sum up, borrowers must select a home loan term that fits their repayment ability! A home equity line of credit represents a secured personal line of credit in which the purchased property is collateral. As a result, if users default on their home loan, the bank may take their home to recoup the loss. Choosing a term that allows people to make their EMIs low will reduce their chances of failure. Folks may also use an online EMI calculator to get an idea of their home loan EMI. Piramal Finance has similar blogs for people to help them get a personal line of credit. Give the blogs a read and check out the other services they offer.
08-11-2023
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Electronics

Still Unvaccinated? Here’s What You Need to Do to Schedule an Appointment

The COVID-19 vaccines were created using research that had been written about in literature for a long time. These vaccines aren’t being tested out. They have gone through every step of the process for a brand-new discovery. Aside from that, many clinics look at COVID-19-specific vaccines every day because this virus has caused so much damage. Because of this, it is very important for people to take part in vaccination campaigns put on by local groups or other groups that are allowed to give out vaccines. And if one is still unvaccinated, follow these steps to schedule a visit. Read on to learn more about the COVID-19 vaccination process and its impact. [B-01] Advantages of COVID-19 Vaccination Here are the perks of being vaccinated: The COVID-19 vaccines work well The COVID-19 vaccine has been tested by many public drug bodies worldwide. They have been shown to lower the risk of getting COVID-19. So it’s safe; one can do a COWIN registration for himself or anyone unvaccinated in the family. It may benefit unborn children or infants According to studies, the COVID-19 vaccine creates a viral antibody that is transferred to the unborn child via the placenta. It has also been shown that mothers transmit antibodies to their babies via breast milk. Given that young children cannot receive the vaccine, these newborns must have resistance to the virus. Protecting loved ones and friends By getting the COVID-19 vaccine, an unvaccinated person also reduces the risk of passing the COVID-19 virus to loved ones, friends, or others one comes into contact with. Securely building the immune system It is well known that vaccines enhance the immune system by preparing the body to combat threats. That is why many think vaccines improve the system and how the body responds to foreign objects. Users cannot contract COVID through a COVID vaccine Many unvaccinated people hold the wrong faith that, as the vaccine contains a thread of viral infection, one might contract it. One is not in danger if they get the vaccine, because that’s not how a virus impacts a body. Process of Scheduling an Appointment Through the Cowin App A person’s journey from unvaccinated to vaccinated benefits him and his family. Keep in mind that there is no official Cowin app for registration. This Cowin app is only available to backend leaders but not to normal users. Here are the steps to follow to get vaccinated through the Cowin portal: Login For Cowin registration, go to www.cowin.gov.in and choose the “register or sign in yourself” option. Enter a current mobile number and press the ‘Get OTP’ button. The OTP will be delivered to the unvaccinated user through SMS and must be input within 180 seconds before the user may click on the Verify page. Registration This page for vaccine enrollment will open when the OTP is entered. Enter the vital details. All fields are needed. Once completed, click the “Register” button at the bottom right of the page. One will also get a confirmation mail in this regard. Scheduling the Vaccines After registering, one will see a “schedule” option on the page. By clicking on it, they will be sent to the “Book Appointment for Vaccines” section, where they may search for the vaccine center of their choice by entering their district or PIN. The available spaces and a “Book” link will be shown when one clicks on any center. One may alter the date to their liking and tap on a book to ensure the visit. Booking Proof After selecting the Book tab, a booking proof window will be presented. Check the information, and if it is right, click the “Confirm” button. To alter the date, click the “Back” button. After confirmation, the platform will display the message “Booking Successful”. The “Print” option is located at the top right of the page; by clicking on it, the user may download and store the confirmation message with all its contents. When heading to the vaccination, have a printout of this. Rescheduling Re-enter the cellphone number into “Citizen Registration.” Enter a current phone number and then click the “Get OTP” option. Submit the OTP and click “verify,” which will lead to the Account Details page. Clicking “Re-schedule” will take you to that same “Book Visit for Vaccination” page. Repeat the prior ways to locate a facility near the district. Please remember that the visit cannot be changed after the planned vaccine date. The Second Dosage This is done in the same way as the first dosage booking. To arrange a visit, click “Schedule.” Confirm and store the data. Stay Away from These Myths: There are always new myths to confront; thus, the debate shouldn’t be solely or mainly focused on doing so. Making a myth more well-known might have the unintended effect of allowing the myth to be more remembered than reality. Yet there are times when dealing with false information is vital. If one finds oneself in such an event, use facts, caution, and fallacies. This is how it goes: Begin with the facts. The COVID-19 vaccine is very reliable and safe. Tell unvaccinated people before the myth emerges. “There is false information about ___.” Mention the myth one is disputing. Finish with a fact. Explain why the myth is untrue. The vital point is to “replace the wrong information with the correct data.” [B-02] Conclusion Every year, vaccines save millions of lives. The discovery of safe and efficient COVID-19 vaccinations is a vital step toward allowing us to do more of our favorite tasks with loved ones. Even if one previously had COVID-19, getting vaccinated as soon as possible is vital. Becoming vaccinated is a better approach to gaining COVID-19 immunity than getting sick. Vaccination is vital for a safe and healthy life, so be aware of the myths. Visit the Piramal Finance website for more such blogs and to explore their financial products and services.
08-11-2023
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Electronics

Which Microwave Brand Is The Most Reliable?

Like many home appliances, microwave ovens have become an essential part of Indian kitchens. From grilling and baking to simply reheating a prepared meal, microwaves act as saviours for many. Additionally, when purchasing the best microwave oven, one can also enjoy preparing additional items such as poached eggs, curds and much more. So, if you are looking to buy the best microwave oven in India, you have landed on the right platform. Keep reading this article to find some of the best brands of microwave ovens that are available in India and those that you can rely upon by understanding their different specifications, prices, pros, cons and many other details. [B-01] List of the Best-selling Brands Take a look at the top microwave brands in India: 1. Panasonic Convection Microwave Oven This Panasonic appliance is the Best Microwave Oven in India for those who enjoy cooking a variety of flavours ranging from simple home-cooked meals to going professional with a delicious spread of tandoor, kabab, brownies, cakes, soups, and cutlet items, among others. This compact design featuring a glass turntable inside, touch-enabled controls and an energy-efficient mechanism makes it even more worth a purchase. Specifications: Capacity: 27 Litres Wattage: 800 Watts Installation Type: Countertop Oven Cooking Mode: Convection Available Colours: Black Item Weight: 20 kg 400 g Item Dimensions: 51.3 x 42.7 x 30.5 centimeters Included Items: Microwave, glass tray, high-low rack, roller ring, user manual and warranty card ProsConsFeatures Magic Grill for two-way heatingComplaints of poor after-sales serviceRobust and rust-free stainless steel cavity User-friendly and easy to store Price: Rs 11,490 2. Godrej Convection Microwave With excellent ratings on Amazon and other online shopping websites, this Godrej microwave is the Best OTG Oven In India for multiple reasons. It features a stainless steel cavity to avoid food residues from sticking to the surfaces. One can also prepare a plethora of food items, thanks to its dual grill capacity. What’s more? Unlike other brands, Godrej’s app known as ‘Instachef’ includes instruction models to prepare different foods for a better user experience. Specifications: Capacity: 30 Litres Wattage: 900 Watts Installation Type: Countertop Oven Cooking Mode: Convection Available Colours: Red Dahlia Item Weight: 16 kg 600 grams Item Dimensions: 53.5 x 44.9 x 28.2 centimeters Included Items: 1 each microwave unit, crusty plate, rotisserie and rotisserie handle, roller ring, glass turntable, user manual and warranty card ProsConsPerfect for heating, grilling, baking and moreHigher noise levelsUnique 360-degree motorized rotisserie Deodorizer function to remove residual smell Price: Rs 13,290 3. Bajaj MTBX 2016 Grill Microwave Oven A perfect kitchen appliance for both families and hostellers, this microwave oven does everything from grilling and reheating to defrosting and cooking. Available at a pocket-friendly price, what also makes this the Best Microwave Oven is that it is exceptionally easy to use and lasts longer because of the jog dial controls. Also, it features a unique 30 minutes cooking time alarm for convenience and safety. Specifications: Capacity: 20 litres Wattage: 800 Watts Installation Type: Countertop Oven Cooking Mode: Convection Available Colours: Black Item Weight: 11 kg 300 grams Item Dimensions: 20.9 x 15.7 x 12.9 centimeters Included Items: Microwave oven ProsConsNutri-Pro technology for heart-healthy cookingUnprecise timer knobEasy to use and durable jog dialsThe minimum timer is 1 minuteConvenient adjustable settings to heat and defrost Price: Rs 5,490 4. IFB Convection Microwave IFB is another brand that manufactures the Best Microwave Oven In India, with features such as an auto-defrost system and steam cleaning technology. This microwave in particular offers the opportunity to explore and prepare multiple cuisines, thanks to its amazing 71 standard menus. Also, its timer option informs about the time, cooking time and power level constantly. Specifications: Capacity: 20 litres Wattage: 800 Watts Installation Type: Countertop Oven Cooking Mode: Convection Available Colours: Black Item Weight: 16 kg Item Dimensions: 39 x 45.2 x 26.2 centimetres Included Items: Microwave unit, start kit ProsConsOverheating protection system that automatically switches off when the temperature goes too high.Complaints on after-sales serviceSensitive touch keypad Child safety lock Price: Rs 11,444 5. Whirlpool Convection Microwave Oven One can now bake, grill, stew, steam and barbeque in the Whirlpool 2L Convection Microwave Oven which also comes with a Magic book Pro Range! This is another best otg oven in India at an affordable price, featuring multi-heat technology to prepare all types of dishes with the touch of a button. Specifications Capacity: 20 litres Wattage: 800 Watts Installation Type: Countertop Oven Cooking Mode: Convection Available Colours: Black Item Weight: 14 kg 400 grams Item Dimensions: 45.2 x 39.5 x 26.2 centimeters Included Items: 1 each microwave, grill rack, glass turntable, warranty card and user manual ProsConsMulti-heat technologyOverall, good reviews so far!Up to 10 different power levels Compact design and easy to store Price: Rs 9,240 Overall Best Microwave Oven When buying a microwave oven, an individual should check several factors that suit his or her requirements as well as the budget. Based on the list above, the overall Best Microwave Oven can is the Whirlpool 20L Convection Microwave Oven which offers a variety of features and excellent results at a pocket-friendly price. It is perfect for baking, grilling, stewing, steaming and barbequing, whilst availing the advanced features of multi-heat technology and more. [B-02] Final Takeaway The Best Microwave Oven In India at budget-friendly prices can now be bought with additional offers and discounts when purchased online. Of course, it is important to first choose a microwave oven after checking every specification and comparing the product with the other microwave ovens available online or offline if required. This helps a user understand the features better and buy the Best Otg Oven In India for the best results. Piramal Finance is one of the best financing solutions for shoppers who are looking for the best Best Otg Oven In India for their budget and specific requirements. One can visit Piramal Finance’s website to get an insight into their easy financing solutions, such as credit cards, personal loans, EMIs, and more.
08-11-2023
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