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How Do I Get My PAN Card Online?

If you are earning a taxable income in India, you ought to have a PAN card. The good news is that you don’t have to go all the way to a national office to get it. The online process for PAN card application is quite hassle-free. All you need to do is fill out an online PAN card application form and pay the processing fee. Once received, copies of the required documents can be sent by post to either NSDL or UTIITSL for verification purposes. Do you know that the E-PAN card is also a valid proof of PAN? It is issued by the Income Tax Department. The QR code on the E-PAN card could be scanned for your demographic information. You can apply for an E-PAN card free of charge if your Aadhaar number and mobile number are registered in your profile. Read on to learn the process of applying for and downloading your E-PAN card online. [B-01] Steps To File An Online PAN Card Application You can download your E-PAN card through two portals, i.e., NSDL and UTIISL. Follow the steps mentioned below to get your E-PAN card online through NSDL: Step 1: Visit the official website of NSDL to apply online Step 2: Choose the correct application type and select the category you belong to, i.e., individual or associations of persons, a body of individuals, etc. Step 3: Fill out all the important details, such as your name, date of birth, E-mail address, and mobile number in the online PAN card application form Step 4: When prompted, click on the ‘Continue with the PAN Application Form’ option Step 5: You will now be given a choice of either a physical PAN card or an E-PAN card. Once selected, you need to provide the last 4 digits of your 12-digit Aadhaar number Step 6: Now, you must fill in required personal details, contact details, and other information in the application form Step 7: Once done, you will be required to enter your area code, Assessing Office (AO) type, and other relevant details and submit the documents and click on the declaration. Follow the steps mentioned below to get an online E-PAN card through UTIISL: Step 1: Go to the UTIITSL website and select the ‘Apply for New PAN Card (Form 49A)’ option Step 2: Select ‘Physical/Digital Mode’ and enter all personal details Step 3: Look for any errors in the PAN application form and click on the ‘Submit’ option once done Step 4: Once the verification is done, you need to make a payment through online gateway options. You will also receive payment confirmation on your registered mobile number Step 5: Now, you need to affix two passport-sized photographs with dimensions of 3.5 × 2.5 cm on the printed form and sign on the form Step 6: Finally, you must provide a copy of your identity proof and address proof with your PAN application form and submit it online You can also submit the form at the nearest UTIITSL office and put in a request to issue a PAN card. Downloading Your E-PAN Card You can also download your E-PAN card through the NSDL or UTIITSL website by selecting digital mode instead of physical mode and following similar steps. Below mentioned is the quickest way to download your E-PAN card when you already have a PAN card. Visit Download E-PAN card Enter your PAN, valid Aadhar Number, and other required details Submit the OTP received on your Aadhaar registered mobile number to complete the process On successful completion, you’ll receive a 15-digit acknowledgement number You can check the status of your request anytime by providing your Aadhaar number and, on a successful allotment, you can download your E-PAN card You will also receive your E-PAN card on your registered E-mail ID Applying for a PAN Card – Things To Keep In Mind To identify the authenticity of a PAN card, you must know it consists of 10 alphanumeric characters and has your full name, photograph, date of birth, and your signature You will receive your PAN card by post at the registered address that you provided while filling out the application form for your PAN card It is mandatory to link your PAN card with your 12-digit Aadhaar card number You will receive your PAN card within 15 working days from the date of application Ensure that you don’t apply for two PAN cards as this is considered a violation under the Income Tax Act, 1961, and you might be asked to pay a penalty of Rs. 10,000 If you want to get your PAN card delivered to Indian premises, you will be charged a PAN application fee of Rs. 110 (including GST), whereas for dispatching of PAN card outside India, you will be charged a fee of Rs. 1020 (including GST) Minors can quote the PAN card of their parents, or guardians provided, as they do not have any taxable income. [B-02] E-PAN Card is Valid You must know that both an E-PAN card and a regular PAN card are equally valid. Both UTIISL and NSDL are equally reliable as both fall under the Income Tax Department. Use the steps mentioned above to get your E-PAN card online. If you need help in making informed financial decisions, consult a financial expert like Piramal Finance. You could also check out their customised loan solutions and choose among the best options.
08-11-2023
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Personal Loan

Things to Do if Your Personal Loan Gets Rejected

Personal loans are unprotected loans that you may get without any collateral. An unsecured loan is risky for NBFCs and banks since it lacks the safety of a pledged asset. Due to this factor, banks have created strict policies for approving loans. They have created several internal standards that you must meet before applying for a personal loan. Personal loans are often used in times of urgency, such as for health issues, paying tuition fees, marriage expenses, etc. Getting your loan request rejected when you need it the most hurts a lot. This post is for you if you have faced personal loan rejections and are seeking methods to apply again for a personal loan. [B-01] Personal Loan Rejection Reasons Reasons that might lead to your Personal Loan Rejection: Poor CIBIL Score. Incorrect or incomplete data. A poor investment profile. The temporary address is not verified. Previous defaulted loan. The request for a term change follows application acceptance. The request for an increase in loan sum after the application’s approval Mismatched signatures on papers and checks. Inconsistency in co-applicant data and papers. What to do if the Personal Loan is Rejected? Step 1: Assess the Cause of Personal Loan Denial It will be hard to figure out what actions to take to improve the situation before reapplying for a loan unless you know the cause of personal loan rejections. Lenders must provide you with data about personal loan rejections within 30 days. You will get a loan denial letter that will explain why the bank denied your loan. Some typical causes for personal loan rejections include: A poor credit rating Uncertain job Low earnings Working for a private firm that has been delisted Not meeting the age limit Staying at an address that is on the defaulter list If you don’t understand the cause or need more information, you should call the bank to seek clarity. Step 2: Determine the Credit Score Credit ratings are vital in deciding whether a loan is granted or denied. Once your credit score has been checked, lenders will only look at your income and ability to pay back the loan. Personal loans are unsecured loans; thus, you must have a strong credit score to obtain the loan. They find out if you don’t know what your credit score is. If you have a poor credit score, you should think about the factors behind it. It may be due to credit score flaws or credit patterns. Try to figure out the errors on your credit report. You must learn how to check credit reports properly. If the problem is due to clerical mistakes, such as misspelled words or names, then get it fixed, and reapply for a loan. If the score is poor, you must first fix that bad account. Once fixed, it may boost your credit score. You may also apply for secured loans, which banks are more likely to accept since the risk factor is lower. At the same time, you should make sure that you don’t skip any payments and stick to the approved credit usage ratio. Step 3: Assess whether the debt-to-income ratio is fair In certain cases, the loan is denied owing to a lack of income. In this instance, you may apply for loans created for people with little income. You might also try reapplying with a smaller sum if you believe the amount asked in the initial form was too high. You may also wish to pay off some of your current debts if you believe your credit mix is skewed toward unsecured loans. Banks want a healthy balance of secured and unsecured loans. Step 4: Check the Paperwork Personal loans are common since the paperwork needs are minimal and the loans are disbursed quickly. The personal loan process often requires the following papers: Identity Papers Address Proof Income related papers Account reports If the earlier loan request got rejected due to faulty papers, then make sure that your paperwork is in order, and then contact the lender. If not, make plans to get things in order before reapplying for the loan. Step 5: Explore Other Choices Standard sources of funding, such as banks and financial firms such as NBFCs, sometimes have very strict lending standards. It becomes hard for self-employed people and those with poor or no credit ratings to get loan approval. If you don’t have time and need cash now, you might check into other lending sources. Many fintech banks are in the loan sector and serve people with low income, self-employment, and poor credit scores. They give loans to various people since they use other data to enhance a user’s credit score. You might also choose a good gold loan or a loan over a fixed deposit. Ways to Avoid Personal Loan Rejection Check the ways to avoid getting your loan rejected: Compare the products and pick the one that best meets your demands and budget. If the bank thinks you cannot repay the loan, they will not approve it. Check the eligibility for the product of interest. You should not seek a loan that you may be ineligible for. Too many personal loan rejections can harm the credit history. Find out what factors the bank will ask for, such as bond yields, service charges, repayment options, and so on. You must submit any required paperwork and assist with the validation process. Check that all the data in the request is valid and matches the related paperwork. You must keep a decent credit score by not overborrowing, paying the bills on time, not missing EMI payments, paying the taxes on time, filing returns, not taking several loans, and using credit cards sensibly. Before taking out a loan, a credit record of at least six months is reviewed. If there is an error, get it fixed. If the score isn’t high enough, raise it over 750 for a greater chance of loan approval. [B-02] Final Word You must keep track of your progress while trying to boost your credit score. For this, you may apply for a free yearly copy of your credit score from credit firms. You must gradually improve your credit scores and keep your credit records clean to have the personal loan application accepted after it has been rejected. Do check the official website of Piramal Finance to get detailed knowledge on a personal loan. They have many informative and nicely written blogs, which may prove helpful for you.
08-11-2023
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Personal Loan

Benefits of Taking a Personal Loan for Big Purchases

Getting an instant personal loan can help individuals grow. A personal loan can help people reach their financial goals, such as building a house, buying a car, going on vacation, etc. Moving forward with these loans is challenging because many people doubt the process. This article has all the information needed to start the loan process. It will explain why one should choose a personal loan and how to avoid making mistakes. First, let’s talk about what a personal loan is. [B-01] What is a Personal Loan? A personal loan requires little or no paperwork and doesn’t need to be backed by anything. An individual can get a personal loan when they need money quickly. However, like any other loan, it must be paid back according to the terms set by the bank. A loan is usually paid back in equal monthly payments for a few months to a few years. It is not difficult to apply for a personal loan. Reasons to Get a Personal Loan Before getting a personal loan, one should consider how much money they have. A personal loan lets people pay for a big purchase they cannot afford. These include the following: Refurnishing: Personal loans are the best way to pay for home repairs, so people should apply for them. Costs of moving: An individual can get a personal loan if they need more money to move. Traveling: A personal loan might not be needed for a trip. But if someone wants to go to another country or stay somewhere nice, they might need a personal loan. Wedding Expenses: There is no doubt that weddings cost a lot these days. A personal loan can help someone pay for expensive things like designer clothes and fancy events. Advantages of Taking Out Personal Loans There are many benefits to getting a personal loan, such as: No risks to assets: An individual gets a loan based on assets and credit history. This means that one can borrow large sums of money without risking their assets. For a person to qualify, it would help to have a good profile and credit score. Easy ways to pay back: The length of loans from central banks ranges from one to five years. A personal loan can be paid back without a lot of trouble. By comparing EMI options, one should choose the one that is best for them. Improves credit score: A person’s credit score can increase if they pay their EMIs on time. This shows that they can handle different kinds of loans and gives them a complete credit record. Disadvantages of Taking Out a Personal Loan Before receiving a personal loan, one must be informed of its pros and cons. Higher interest rate: The interest rates on personal loans are not always the lowest. People with bad credit have to pay more interest than those with good credit. Additional requirements: Personal loans have stricter rules than other ways to get money. Fewer lenders are willing to work with someone who has bad credit or a limited financial history. Lenders do not accept funders, which makes it more likely that someone with a low credit score will be accepted. Extra payment every month: When an individual gets a personal loan, they must make a new monthly payment. If they do not watch out, this can hurt his budget in the long run. Applying for a personal loan leads to monthly payments and can affect an individual’s budget badly. Debt Burden: Personal loans can be used to pay off other debts, such as credit card bills. However, they do not deal with the problems that led to the debt in the first place. When an individual uses a personal loan to pay off credit cards, their credit limit increases. It allows people who spend too much to pay more fees instead of getting rid of their debt. Payment Extensions: No rule says you have to pay off the balance by the due date, and the monthly payments are low. Personal loans have longer periods to be paid back and higher fixed monthly payments. [B-02] Conclusion Getting a personal loan is not an easy task. A personal loan has benefits and disadvantages, which were discussed in this article. One must evaluate all the pros and cons to make critical financial decisions. A personal loan can help someone meet their financial needs and achieve their goals. They can also improve credit scores and be accessed without risking assets. However, there are also disadvantages to taking out loans, such as debt burden, higher interest rates, and additional requirements. Therefore, people should plan carefully before getting a personal loan. Making the wrong choice about the amount and length of a loan can have terrible consequences. Get a hassle-free instant personal loan with Piramal’s customizable loan services.
08-11-2023
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Personal Loan

Is Personal Loan Interest Rate Negotiable?

Personal loans are well-known to be one of the most effective fiscal tools available for usage in times of need. Personal loans are pretty flexible to meet the immediate cash crush, such as to pay off school fees and medical bills, marriage, medical emergency, expanding a business, etc. At the same time, the agility of personal loans has its quirk: the interest rate. Personal loans have higher rates than most other loans, making it harder to find better personal loan rates. While the personal loan rate of interest is not extremely high, lower rates are always better. In that context, let’s talk about if you can negotiate personal loan rates of interest with banks and, if so, how. [B-01] Can Personal Loan Interest Rates Be Negotiated? Can we negotiate personal loan rates? Yes, you certainly can! When lenders and banks are afraid to get into talks because they would lose money, there is room to cut personal loan interest rates. A personal loan is one of the most commonly asked loans. If you have positive ties with your bank, the bank may reduce the personal loan rates in several cases. Yet, the amount is reduced based on the applicant. What Are Some Negotiation Tips? While many of you are born with the ability to negotiate, the good news is that anybody can learn how to do so. Some methods you may follow to make your case look solid in front of banks or lenders & get personal loan rates lowered are listed below: 1. Be strong and confident The most vital and basic thing you will need to have is confidence. Be confident when stating your needs and more when negotiating with them. The bank does not need to simply agree to your terms or conditions and provide you with the desired interest rate. As a result, you will need to make a strong pitch to the lender or bank before they would even accept the terms. Make sure that you are both tough and fair while stating your demands while negotiating the personal loan rates. 2. Be Ready to Leave Among the most vital parts of negotiating a personal loan rate of interest is to keep the choices open. If you are adamant about your needs and deem them non-negotiable, you should be ready to walk away and look for a loan from another bank or lender. 3. Study and Planning Negotiations need a thorough study of the subject or item being negotiated. You might consider it as a debate in which you must respond to anything stated by the bank or lender about their needs. If you can persuade the bank that giving you the loan at your proposed interest rate would benefit them, then you may get the loan at reduced interest rates. 4. Specify Terms That are Helpful to All Remember to be polite while seeking a reduced interest rate. Banks, like other firms and agencies, have monthly & annual targets to meet to continue in business. Interest on loans is a primary method for banks to meet their aims. If you request a rate of interest very low for the lender to accept, your talks will surely fail. Also, banks have a minimal interest rate that they may offer to their users. To maximise your chances of loan approval, you should aim to come up with a figure that is equally useful for you and the bank. 5. Be Ready to Make Counteroffers Negotiations begin with fair offers. You may attempt to make counteroffers if the lender or bank rejects your initially suggested personal loan rate of interest. Apart from the interest rate, personal loans include many costs. You may do a vast study on them to discover which ones the bank is willing to eliminate. Except for government-imposed costs such as registration costs, all other charges are negotiable. What are Some Additional Ways to Help the Negotiations? You may take your negotiation game ahead by following the points mentioned below: 1. Keep a good credit record If the bank is willing to consider lowering its personal loan rates, it will think of doing so if you have a good credit score. Ensure that you have maintained a good credit score throughout to get a loan at a desired interest rate. 2. Have a perfect repayment record A strong credit score is closely linked to a solid credit payback history. You can show them that you are a genuine candidate by paying your credit card bills and EMI on time and keeping your credit within the limit. 3. Should know ways of calculating interest You should do your homework and discuss the interest rate that the lender will offer you. You may also utilise online personal loan calculators to determine the difference between the interest rates offered by various banks. [B-02] Conclusion A personal loan is among the most common emergency funding choices. You may get a loan and spend the money as per your choice on legitimate things. As it’s an unsecured loan, personal loan interest rates are greater than other loan rates. With the growth of tech, it has become simpler to get a rapid personal loan. However, getting a low-rate personal loan remains tough. It’s because banks evaluate a variety of factors when selecting a lower rate of interest on a personal loan. Personal loans, in contrast to house and vehicle loans, where the security is the product directly, are unsecured. This might be useful if you don’t have any assets to commit to the bank. Check the official website of Piramal Finance to understand personal loans in detail. You will find many informative blogs and articles which will help you understand the financing terms in a better way. Do not forget to check the various products and services they offer.
08-11-2023
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Electronics

Best HP Laptops to Buy under 30000 in India

HP is a renowned brand and we all know that. From budget-friendly laptops to high-end luxury ones, HP offers some of the greatest laptops. If you want to upgrade your personal computer, or you want to gift it to someone, choosing an HP laptop can never go wrong. You have many options to pick from the various models available. We have listed a few categories below, to make an easy choice for you. Here are some of the great options you can go for to get the best HP laptop under 30000 and the best HP laptops under 20000. [B-01] HP 15s The HP 15s is a sleek and lightweight laptop designed for everyday tasks. It features a 15.6-inch display, providing a comfortable viewing experience for work and entertainment. Equipped with an Intel Core i3 processor, 8GB RAM, and a 512GB SSD, it ensures smooth performance and quick data access. The laptop also offers multiple connectivity options, including USB Type-C and HDMI ports, catering to various peripheral connections. Key Features Display: 15.6-inch Processor: Intel Core i3 RAM: 8GB Storage: 512GB SSD OS: Windows 11 OS Type: 64-bit Clock Speed: 3.0 GHz Graphics: Integrated Intel UHD Battery: 3-cell The HP 15s falls slightly above ₹30,000 for higher configurations, so it's best to check for available models within budget. HP 255 G9 The HP 255 G9 is a budget-friendly laptop that offers reliable performance. It comes with a 15.6-inch HD display, an AMD Ryzen 3 processor, 8GB RAM, and a 512GB SSD, making it ideal for students and professionals who need efficiency on a budget. The durable design ensures longevity, while its processing power enables smooth multitasking. Key Features Display: 15.6-inch HD Processor: AMD Ryzen 3 RAM: 8GB Storage: 512GB SSD OS: Windows 11 OS Type: 64-bit Clock Speed: 2.6 GHz Graphics: AMD Radeon Integrated Graphics Battery: 3-cell The price of the HP 255 G9 varies based on configuration, so check for models within the ₹30,000 range. HP Laptop 250R G9 The HP 250R G9 is a business-friendly laptop designed for everyday productivity. It features a 15.6-inch display, an Intel Core i3 processor, 8GB RAM, and a 512GB SSD, offering a good balance between performance and storage. This laptop also includes essential connectivity options like USB Type-C and HDMI ports, making it ideal for professionals. Key Features Display: 15.6-inch Processor: Intel Core i3 RAM: 8GB Storage: 512GB SSD OS: Windows 11 OS Type: 64-bit Clock Speed: 3.0 GHz Graphics: Integrated Intel UHD Battery: 3-cell HP 250R G9 models with these specifications may be slightly above ₹30,000, so it’s best to check the latest pricing. HP 14Q AMD Dual-core Windows 10 under 30000 Introducing the all-new HP 14q Notebook. This laptop has an AMD Dual Core processor, 4Gb RAM, and storage of 256 Gb SSD. This laptop costs between 23k to 24k. This laptop features a robust, full-length and ergonomically constructed full-size island-style keyboard. You can conveniently use it for long working hours. It won’t have issues such as battery swelling or overheating. The laptop is small in size and light in weight, hence you can carry it easily. It is one of the best HP laptop under 30000 in India. Key Features 14-inch display RAM 4 GB AMD Dual Core processor 256 Gb SSD OS – Windows 10 Home Basic OS type – 64 bit Display size – 14 inch Display resolution – 1366 X 768 pixels Capacity – 4 Gb SSD – 256 GB Processor – AMD Dual-core A9- 9425 Clock Speed- 3.1 GHz Graphic – AMD Radeon R5 Battery cell – 3 HP 15q-dy0007au| 1 TB HDD| AMD Dual Core A9 | The HP 15q is designed keeping your needs in mind. This laptop comes with 4GB RAM and 1 TB HDD. It has a sleek design and quick processing speed. HP 15q Intel is lightweight and thin, you can carry it conveniently in a bag without hassle. The laptop has a premium Li-Ion battery, ensuring that there aren’t any battery issues. This Hp I5 Laptop comes with a microphone and headphone jack. It has a full-size Island-style keyboard, ensuring you have a smooth typing experience. This laptop comes to around 26k to 27k, one of the best HP laptop under 30000 in India. Key Specifications 15.6-inch display Intel core i3 processor 4GB RAM 1 TB HDD Storage OS – DOS OS type – 64 bit Display size – 15.6 inch Display resolution – 1366 X 768 pixels Processor – AMD Dual Core A9-9425 Clock Speed- 3.1 GHz Graphic – AMD Radeon R5 Battery cell – 3 cell HP 15- BG004AU AMD Quad core | Windows 10 | 4Gb | 1 TB HDD If you are looking forward to upgrading your laptop, then HP 15- BG004AU AMD Quad core could be the best option for you. This laptop has a full-size island-style keyboard that is ergonomically built to ensure that you may work in comfort for extended periods. The HP 15-BG also features a high-quality Li-Ion battery that ensures no overheating or issues of battery swelling. This HP 15-BG laptop is available in India for between Rs 27,000 and Rs 28,000. Moreover, this laptop comes with a one-year warranty starting the date when you purchase it. This could be a good option when it comes to buying a budget laptop. Key Specifications 15.6-inch Display AMD Quad-core Processor OS – Windows 10 OS type – 64 bit Display size – 15.6 inch Display resolution – 1366 X 768 pixels RAM – 4 Gb Storage – 1 TB HDD Processor – Quad-core A8-7410 Clock Speed- 2.2 GHz Graphic – AMD Radeon R5 Battery cell – 4 cell HP Chromebook , 4Gb | 64Gb The HP 11a-na0004MU is a good option under 20000. Built on the Chrome OS, you can have an easier time doing everyday tasks. Feel the power of the MediaTek Kompanio 500 processor as it propels the presentation to new heights of fluidity and sophistication. It doesn’t let users slow down in terms of productivity, so both the quality and quantity of the work will never suffer. This laptop has top-tier graphical execution, ready to take your gaming experience to the next level. This laptop’s 64GB of storage space makes it ideal for storing large media collections or multiple copies of important documents. Discover lightning-fast performance thanks to cutting-edge tech. It is compact and light, making it easy to carry. It has a long battery, ensuring that you use it comfortably, even while travelling. The cost of one of these portable computers is Rs.17,000 to 18000. It is one of the best HP laptops under 30000 In India and Hp Laptop Under 20000. Key Specifications 11.6-inch Display MediaTek Kompanio 500 processor 4Gb memory OS – Chrome OS™ Display size – 11.6 inch Display resolution – 1366 X 768 pixels RAM – 4 Gb Storage – 64Gb eMMC Clock Speed- 2.0 GHz Graphic – MediaTek Integrated Graphics Battery cell – 2 cell Security Management – H1 Secure Microcontroller [B-02] Conclusion Determine the needs first, then shop for the finest HP laptop based on your needs. Although HP is a dependable manufacturer, the specific model is going to have its own set of advantages and disadvantages that may affect your overall satisfaction. Keep in mind that HP offers a wide variety of laptops, from those intended for the general public to those who have their businesses, gamers, and artists. It is important to carefully consider the specifications and features you’ll need. So here we have given some of the best options for HP laptops under 30000 and 20000. You can also check the official website of Piramal Finance to get easy financing options or for more related blogs. 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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Electronics

Rent a Laptop in Mumbai – What You Need to Know

When you need to get some work done on the go but don’t have your laptop, it can be frustrating to know where you can find the right machine at a good price. In Mumbai, there are plenty of options, but they all vary in quality and cost, so finding the right laptop rental near me can be more of an art than a science. There are two primary ways to rent a laptop in Mumbai and keeping it for as long as you need it. You can rent a laptop directly from the manufacturer or an authorized reseller, while the second option uses online marketplaces that connect laptop owners with renters. Let’s take a closer look at both options. [B-01] How Much Does it Cost To Rent A Laptop? The cost of using a laptop rental near me depends on where you’re located, how long you need it for, and what type of laptop you want. For example, if you are in India and looking for a high-end laptop that will be used by an experienced user, then the cost could be around Rs. 6000-9000. If you’re looking for a low-end model that an inexperienced user will use, then the cost could be around Rs. 1000-3000. Factors That Affect The Price Of Renting A Laptop When you rent a laptop, you must keep in mind the following factors- The make and model of the device – For example, renting an Apple MacBook Air with 4GB of memory and a 128GB SSD hard drive will cost more than renting an HP ProBook 440 G4 with 4GB of memory and a 500GB hard drive. Duration– If you are only going to use the laptop for two hours a day during your business trip, then that would be cheaper than renting it for three weeks or so at a time. Rental place – While many people may rent laptops from their local electronics store, such as Reliance, many online companies operate as laptop rentals near me. Where Can I Get The Best Price For Rental Services? To get the best price for laptop rental near me, you will need to know what type of laptop you need. If you need something simple and lightweight, then an 11 Chromebook will suffice. If you are looking for something with more power and advanced features, then a MacBook Pro or Dell XPS 13 would be recommended. There are several ways to pay after you rent a laptop. Some companies require payment upfront, while others may offer financing options so that you can take out a monthly loan instead. The benefits of financing include not needing to make any large upfront payments and being able to deduct interest as a business expense on taxes. One advantage of leasing over purchasing is that at the end of your lease period, you can trade in your old laptop for a newer model, which may have newer features than if you had purchased it outright. However, there may be hidden fees, such as security deposits or late fees, that can add to the overall cost when you rent a laptop. Make sure that you ask about these beforehand, as they might have an impact on your budget. Is the booking and pickup of the laptop complicated or time-consuming? The process to rent a laptop is as easy as going to the website of a laptop rental near me and choosing your desired model. From there, you would be redirected to the one-time payment page where you can choose your plan and pay. After that, you will be guided through the process of booking and picking up the laptop at the nearest laptop rental near me. Some providers will allow you to rent a laptop for as little as one day or up to a month, while others will require you to pay for a minimum of thirty days. What Should I Consider Before I Rent a Laptop Online? Before hiring online, you need to consider if there are any limitations for that particular laptop rental near me. For example, some companies do not ship outside of their home country, and others may have restrictions on what you can use the laptop for. It is also important to read the rental agreement carefully before agreeing to anything because it will outline all the terms and conditions of your contract. The best way to ensure you’re renting from a reputable laptop rental near me is by reading customer reviews or asking around for recommendations from friends. Once you’ve found an appropriate company to rent a laptop from, make sure they provide accurate information about pricing and delivery times, as well as where the laptop will be shipped from. Lastly, when browsing websites, make sure they offer SSL encryption to protect your personal information. [B-02] Final Thoughts Buying a laptop is expensive, and most people don’t need to spend this amount of money on something they may only use for one year. A laptop rental near me is the perfect alternative if you need a laptop for one semester or even just for the summer. Piramal Finance offers personal loans and financing options that are easy to understand, affordable, convenient, and flexible. There are no credit requirements, and all inquiries will be treated confidentially. When considering renting a laptop, knowing how much data storage space your needs will require is important. It’s also important to remember that many things could go wrong with a rented device, such as theft, loss, or accidental damage. Renters should always keep their receipts and purchase records from a laptop rental near me in case there is any dispute about ownership of the rented equipment at some point in time. If you found this blog informative, read more related blogs on Piramal Finance’s 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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Electronics

Which Is The Best Laptop Brand In India?

A person in need of a laptop may get a wide variety of laptops in India, all thanks to the huge choices available in the market. But, picking the best laptop might be tough as every year all new laptops are released with new and better features. The top laptop brands in India are listed here to make the task simpler for you. All of the laptops on the list are the best in all crucial areas. The majority of techies find these gadgets to be quite flexible, handy, and useful. It can thus be a wise decision for others as well. Laptops are now vital devices that play a very crucial role in our lives just like a smartphone. The best laptop brands in India have given us ample choice now. Not only are these laptops have the newest generation of processors and graphics chips, but they also have high-resolution displays. They also have great keyboards and smooth trackpads with gesture recognition. These laptops have nice potent speakers for fun home entertainment, long-lasting batteries, and great software like add-on services, security suites, and other programs. [B-01] Best Laptop Brand In India HP [Hewlett-Packard] With a huge market share, HP is one of the best laptop brands in India. One of the top makers of personal computers, various access devices, image and printing goods, as well as other technology, solutions, and services, is HP. The firm sells to all types of buyers, from users to small- and medium-sized firms (“SMBs”), and major firms, as well as clients in the public, private, and non-profit sectors. HP laptops cater to the needs of all. HP has been giving to the market laptops, desktops, and notebook PCs. They also have a huge variety of workstations, thin clients, commercial mobility devices, retail point-of-sale (“POS”) systems, displays, and other relevant peripherals. These devices of software, support, and services are for both personal as well as official use. These laptops are loved by all. They function smoothly, are easy to use, and are very handy. HP has been aiming to give thin, lightweight laptops in a diverse price range. Lenovo The history of Lenovo began more than 30 years ago, back in China, with a group of 11 engineers. The laptop brand has been working well in improving its user experience with the technology. With $43 billion in sales, hundreds of millions of users, and four gadgets sold every second, the company has a track record of success. Lenovo gives great laptops at a good price. No doubt it is one of the best laptop brands in India. Dell Inc As per the market share, Dell Inc. is India’s 3rd largest laptop maker, which makes laptops for both personal use and business desktops. It has a wide range of notebook PCs, thin clients, retail point-of-sale systems, displays, and other vital devices such as software, support, and services that are all provided by Personal Systems. Dell Laptops are priced on a little higher side but the quality they deliver is just amazing. If you are looking for a sturdy and tough laptop, Dell is all you need to see. Asus A global maker of user electronics and computer hardware with its head office located in Taiwan, ASUS saw its origin back in 1989. As one of the top 3 sellers of user notebooks and the world’s top motherboard and gaming brands, ASUS is aiming to make products for the smart life of both today and tomorrow. With the ASUS ZenFoneTM series, the firm is now setting new standards in mobile technology. It is also quickly creating goods for virtual and augmented reality, IoT gadgets, and robotics technologies. If you are a techno freak and cannot afford to lose pace with the rapid growth in technology, you need to buy an ASUS Laptop. It will cater to all your needs and will keep your techno head up to date. Acer Inc As per the market share and turnover, Acer is ranked no. 4 among the major laptop makers in India. The firm is among India’s leading makers of laptops. With Microsoft Windows, Google Chrome, and Android OS, as well as the great quality of processors from Intel Corporation (“Intel”) and Advanced Micro Devices, Inc. (“AMD”), both business and personal users want to invest their money in Acer Laptops. These laptops are sturdy, decently priced, and have all the features a good laptop must have. If you have long working hours and spend a lot of time on a laptop, then Acer is for you. Apple The finest qualities of Apple laptops are the integrated, user-friendly interfaces, display, and power, as well as the top-notch user service. Apart from these features, the OS on Apple laptops is very less prone to errors than those on Windows. The brand’s perks include great laptop performance, a quick and responsive system, a long battery life, a Retina display that is ready to use, and accurate colour production. Apple laptops are costly. But, if it suits your budget, there is nothing better than Apple laptops. [B-02] Conclusion The best laptops brand in India have a variety of features, such as fast read and write speeds, outstanding memory access times, a tonne of storage, a good keyboard, nice built-in speakers, a good display, a powerful GPU, improved CPUs, etc. They greatly enhance graphics support and aid in decreasing game latency. Therefore, choosing the laptop based on your requirements is quite necessary. Now that you know the best brands for laptops in India, buy your next laptop wisely. You can also check the official website of Piramal Finance to get easy financing options or for more related blogs. 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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Guide

Know Your Pan Card Number by DOB & Name

It is very possible and common to forget our PAN number. Well, there is good news!! You can access your PAN card details with just your name and date of birth. The Permanent Account Number (PAN) system works by issuing each taxpayer a unique 10-digit alphanumeric (letters and numbers) identifier. The PAN system is used to uniquely identify taxpayers throughout India. The PAN card is a government-issued photo ID. You cannot conduct any kind of financial transaction without a PAN. A taxpayer in India receives this unique account number from the Income Tax department. Your PAN card details are available online, should you choose to review them. If so, you may get all the necessary details on the Indian Revenue Service (IRS) website. Every PAN card holder has access to their account information through the e-filing website. It’s a quick and easy procedure. [B-01] Know Your PAN Card The aim of the ‘Know Your PAN’ function is to assist the taxpayer in obtaining necessary data from their PAN card details. You can use Know Your PAN to get the following data: Data of a more general nature, such as gender and country of residence Individual taxpayer identification number (PAN) is issued based on name and birth date Existing PAN card status What’s the Need for a PAN Card? A PAN card reduces the likelihood of tax evasion by enabling the government to keep track of all financial transactions that may be important for determining an individual’s or business’s tax burden. Your name, date of birth, and photo are all on the PAN card, which also functions as a legally binding identity document for its owner. When you buy or sell real estate, buy shares or debentures worth more than one lakh rupees, want to establish a new bank or Demat account, wish to apply for a credit card, or engage in several other sorts of transactions, you will need your PAN card. Methods for Verifying PAN Card Information Below are some ways of verifying your PAN card information: Birth date for the PAN card List of cards associated with a given PAN number Address verification details for the PAN card Send an email with PAN card information Phone app for PAN card information Benefits of a PAN Card Here are some perks of having a PAN card: Aids in business initiation When it comes to starting a firm, the PAN card is used in various ways. Every firm in India must have a PAN to operate as per the laws made by the Indian government. Further, to trade and submit tax returns, businesses require a Tax Registration Number or TRN. Deduction from taxes Tax deductions are one of the main justifications for having a PAN card. If a person does not link their PAN to their bank account and has yearly interest profits on savings deposits of more than Rs. 10,000, the relevant bank will charge TDS at a rate of 30% rather than 10%. Opening a bank account or a depository account Current regulations state that if a person does not have a PAN card, they will not be able to create a bank account. Filing income tax returns Everyone subject to income tax, as you may know, is required to file their tax returns. A PAN card is required to achieve it. Learn Your PAN Number by Name and Date of Birth By simply inputting their name and date of birth on the official income tax website, cardholders may find their PAN number. To validate your PAN card online, follow the instructions below: Step 1: Go to the e-Filing Home Page Step 2: Select ‘Verify Your PAN Details’ under the section ‘Quick Links’ Step 3: Input your complete name and birth date Step 4: Decide on your statuses, such as whether you are an individual, a Hindu undivided family, a group of people, a company, the government, an artificial legal entity, a local authority, or a firm or trust Step 5: From the provided box, enter the ‘Captcha Code’ to confirm Step 6: Select ‘Submit’ from the menu. Alternatively, you will see the following notification if the PAN details supplied are inaccurate Step 7: A new page will open and inform you that your PAN is active, and the details are matching with the PAN database The following will be among the results that will be shown: The number on your PAN card Your name Your middle name Your last name Jurisdiction Learn More About Your PAN Card on the Income Tax Website The actions listed below must be followed if a person wishes to access the income tax website to view the data of his or her PAN card online: Step 1: Go to the e-Filing Home Page on the official website Step 2: If you have previously registered, click ‘Register Yourself’ or ‘Registered User’ Step 3: Choose your user type, if necessary, and press ‘Continue.’ Step 4: Complete the registration form, then press ‘Submit’ Step 5: The email address you supplied will be used to send you an activation link. To activate your account, click this link Step 6: Visit the e-Filing website and log into your account Step 7: Click ‘My Account’ and ‘Profile Settings’ The information that will appear under ‘PAN details’ is listed below: PAN number Name of the person Date of birth Gender Status Address of the person [B-02] The Bottom Line It only takes a few minutes to verify your PAN card details online. All PAN data is now publicly available on the Income Tax department’s website. You may look up your PAN card online on the e-Filing website if you have a PAN card. The address associated with your PAN card can likewise be accessed in this manner. To see more blogs and articles on PAN card details, visit Piramal Finance. Read more related blogs on their website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Electronics

Best Affordable Sony TVs below Rs. 40,000

Are you looking for a low-priced LED TV with high resolution and amazing sound quality? Then Sony TV is perfect for you. Here are some of the best options: [B-01] 1. Sony 32-inch W830 Smart Android TV This Smart Android TV has an LED screen and costs Rs. 31,900. The picture resolution is good, and it is HD ready with 1366×768 pixels. It has three HDMI ports, two USB ports along with in-built Wi-Fi. It has a headphone jack and a digital audio output. It has great sound quality with Dolby Audio, including a smart remote and a voice remote. The TV has a storage capacity of 16 GB with in-built apps such as Netflix, Hotstar, Amazon Prime, and YouTube. Thanks to the Android TV, the set has access to Google Play Store, Google Assistant and Alexa. It is the best 32-inch Sony TV in the price range. An added advantage is that all the connectivity ports are adjusted at the back of the TV. ProsConsAndroid TV with good resolutionRemote too big in sizeBest features at the price 2. Sony Bravia KDL-43W6603 This 43-inch LED TV with a full HD screen can make any room look better. It has two HDMI and USB ports and in-built Wi-Fi. This TV has two speakers and Smart TV features like in-built apps. It also includes a smart remote and has a RAM of 1 GB. This set supports Netflix and YouTube. This TV, with excellent picture quality, is priced at Rs. 35,990. ProsConsSmart TVOnly 1 GB RAM storageAmazing picture quality 3. Sony LED Full HD TV (KLV-40W562D) It is a 40-inch television with full-HD resolution. It is part of the Bravia Sony series and has a resolution of 1920×1080. The set has two HDMI ports, two USB ports, and an in-built Wi-Fi. It has ethernet and analogue audio input. The audio output is 30W with sound technology such as Dolby Digital, Dolby Digital Plus, and Dolby Pulse. Like other Sony Smart TVs, it includes YouTube and Netflix. It has Linus operating system. One should buy this Sony TV for its picture and sound quality, which are among the best in the market. ProsConsAmazing sound and picture qualitySwitching between apps is slightly slowSmart TV with Linux OS Sony KLV-40R352F It is a 40-inch television with an LED screen and a Linux operating system. This LED TV, priced at Rs. 36,990, has a full-HD resolution of 1920×1080 pixels. It has built-in Wi-Fi and ethernet. The sound quality is excellent with the sound technology of Dolby Digital, Dolby Digital Plus, and Dolby Pulse. However, it has a speaker output of only 10W. ProsConsSound technology is goodThe sound output is 10WFull HD resolutionFewer features for the price Sony 32-inch LED KLV-32R422F This affordable Sony TV has an HD-ready resolution. It has two HDMI ports, two USB ports, three speakers and an output of 30W. It supports HDR and has Motionflow XR technology which can be increased to 120Hz for games. This is priced at Rs.27,900, including a fire stick. ProsConsGood resolutionNo in-built Wi-FiHas firestickNo in-built apps Sony 32-inch LED HD Ready TV (KLV-32R412D) It has a 32-inch LED screen with a resolution of 1366×768 pixels. As part of the Bravia series, this TV has two HDMI ports, one USB port, and an ethernet. It has two speakers and a speaker output of 8Wx2. It has good sound technology with Dolby Digital, Dolby Digital Plus, and Dolby Pulse. This Sony TV is priced at Rs.24,490. This LED TV is available in black. ProsConsHD-Ready resolutionDoes not include Smart TV featuresGood sound qualityDoes not have in-built Wi-Fi or apps Sony 32-inch LED HD Ready TV (KLV-32R422E) This Sony TV is very affordable and costs about Rs.21,790. It is a 32-inch screen with LED technology and an HD-ready resolution of 1366×768 pixels. It has two HDMI and USB ports. However, it is not a Smart TV and does not include in-built Wi-Fi. One of the best features of this television system is that it has three speakers with 30W speaker output. The sound technology is Dolby Digital, Dolby Digital Plus, Dolby Pulse, also DTS Digital Surround. It also has X-Reality PRO, which provides amazing clarity. ProsConsHD-Ready resolutionDoes not include in-built appsExcellent sound qualityNot a Smart TVX-Reality PRO Sony 32-inch LED HD Ready TV (KLV-32R302F) This 32-inch Sony TV is priced at Rs.25,900. It has two HDMI ports and one USB port. It has two speakers with a speaker output of 10W. This LED TV has a resolution of 1366×768. It does not include Smart TV features and doesn’t have in-built ethernet. ProsConsHD-ready resolutionThe speaker output is 10WFairly pricedCould include a few more features Sony 32-inch LED HD Ready TV (VMD32HH0ZF) This LED TV costs about Rs.19,964. It has HD-ready resolution, with two HDMI ports and one USB port. It has a one-year warranty. ProsConsHD-Ready resolutionNo in-built Wi-FiWell pricedCould include a better sound system [B-02] Takeaway The Sony TVs are well-priced, and most have either full-HD or HD-ready resolution. The television sets around Rs.20,000 include features like good sound but no Wi-Fi or in-built apps. Sony is known for its picture and sound quality and is a must-buy. The Sony Android and Smart TVs are among the best Led TVs in the market. If you wish to buy a new TV, go for Piramal Finance. They have experts who can easily guide you and suggest which financial option would be best for you and help take care of your credit card or personal loan requirements if any.
08-11-2023
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