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Dream Mobile

India's Top 10 Best Smartphones Under 30000

When setting a budget for a smartphone under Rs. 30,000, there are many things to consider. There are a lot of good mobile phones that cost less than Rs. 30,000, so you can’t just pick one randomly. We did some research and came up with a list of the 10 best smartphones that won’t break the bank. [B-01] Realme 14 Pro – Rs. 28,999 The Realme 14 Pro offers powerful performance and a stunning AMOLED display with a high refresh rate. It is one of the best choices for those looking for a new smartphone under Rs. 30,000. Display: 6.7 inches OLED displayProcessor: Mediatek Dimensity 7300 EnergyRAM: 8GB/12GBStorage: 128G/256GBBattery: 6000mAhCameras: 50MP Sony IMX882 OIS Camera and 16MP Selfie CameraOS: Android 15 Pros Cons Stunning, high-contrast screen There is no 3.5 mm jack Superb daily performance No expandable storage Great camera quality Fast charging Poco X7 Pro – Rs. 26,499 The Poco X7 Pro is a performance-oriented smartphone featuring a powerful chipset and a high refresh rate display. It is well-suited for gamers and power users. Display: 6.67 inches AMOLED, 120Hz refresh rateProcessor: Dimensity 8400-UltraRAM: 8GB, 12GB, 12GBStorage: 256GB, 512GBBattery: 6000mAhCameras: 50MP + 8MP rear camera and 20MP front cameraOS: Xiaomi HyperOS 2 Pros Cons High refresh rate AMOLED display No wireless charging Strong performance No official IP rating Large battery with fast charging No expandable storage Samsung Galaxy A35 – Rs. 27,999 The Samsung Galaxy A35 is one of the best options in the mid-range segment, featuring a beautiful AMOLED display, great battery life, and One UI’s smooth software experience. Display: 6.6 inches Super AMOLED, 120Hz refresh rateProcessor: Exynos 1380RAM: 8GBStorage: 128GB/256GBBattery: 5,000 mAhCameras: 50MP + 8MP + 5MP rear camera and 13MP front cameraOS: Android 14 Pros Cons Excellent battery life No wireless charging Great display No headphone jack Samsung’s One UI experience Plastic back Nothing Phone 2a Plus – Rs. 29,999 The Nothing Phone 2a Plus brings a unique transparent design and a smooth software experience. It also features an improved camera setup compared to its predecessor. Display: Flexible 6.7” AMOLED, 120Hz refresh rateProcessor: MediaTek Dimensity 7350 Pro 5GRAM: 8GBStorage: 128GB/256GBBattery: 5,000 mAhCameras: 50MP + 50MP rear camera and 50MP front cameraOS: Android 14 Pros Cons Unique design No official water resistance Bright OLED display No expandable storage Clean Android experience No charger included Motorola Edge 50 Pro 5G – Rs. 28,999 Motorola’s Edge 50 Pro 5G brings a premium feel with its curved OLED display and a powerful Snapdragon processor. It is a great choice for multimedia and gaming. Display: 6.7 inches pOLED, 144Hz refresh rateProcessor: Snapdragon® 7 Gen 3RAM: 8GB/12GBStorage: 128GB/256GBBattery: 4500mAhCameras: 50MP + 13MP + 10MP rear camera and 50MP front cameraOS: Android 14 Pros Cons Excellent pOLED display No wireless charging Strong performance No expandable storage Stereo speakers Limited availability OnePlus Nord 4 – Rs. 29,990 The OnePlus Nord 4 is a well-balanced smartphone with flagship-grade performance, a great camera, and a clean OxygenOS experience. Display: 6.78 inches AMOLED, 120Hz refresh rateProcessor: Qualcomm® Snapdragon™ 7 Plus Gen 3RAM: 8GB/12GBStorage: 128GB/256GBBattery: 5,500 mAhCameras: 50MP + 8MP + 2MP rear camera and 16MP front cameraOS: Android 14 Pros Cons Clean OxygenOS experience No expandable storage Smooth display No IP rating Great battery life No headphone jack Vivo T3 Ultra – Rs. 27,999 A feature-rich smartphone with excellent battery life and powerful hardware, making it an all-rounder for gaming and photography. Display: 6.78 inches AMOLED, 120Hz refresh rateProcessor: Dimensity 9200+RAM: 8GB/12GBStorage: 256GBBattery: 5500 mAhCameras: 50MP + 8MP + 2MP rear camera and 50MP front cameraOS: Funtouch OS 14 Android 14 Pros Cons High-performance chipset No wireless charging AMOLED display with high refresh rate No expandable storage Large battery capacity No official IP rating Realme GT 6T – Rs. 29,999 A performance-focused device with a powerful processor and a stunning display for smooth visuals and gaming. Display: 6.7 inches Hyper Display, 120Hz refresh rateProcessor: Snapdragon® 7+ Gen 3RAM: 8GB/12GBStorage: 256GBBattery: 5500 mAhCameras: 50MP + 8MP rear camera and 32MP front cameraOS: Android 14 Pros Cons High refresh rate display No headphone jack Strong performance for gaming No wireless charging Fast charging support No expandable storage OnePlus 12R – Rs. 29,999 A premium device offering top-notch performance and a sleek design with OxygenOS's clean interface. Display: 6.7 inches AMOLED, 120Hz refresh rateProcessor: Qualcomm Snapdragon 8 Gen 2RAM: 8GB/12GBStorage: 256GBBattery: 5,500 mAhCameras: 50MP + 8MP + 2MP rear camera and 16MP front cameraOS: Android 14 Pros Cons Premium build quality No expandable storage Smooth and clean OxygenOS experience No headphone jack Excellent battery life with fast charging No wireless charging Oppo Reno12 Pro 5G – Rs. 28,999 A stylish smartphone with an excellent camera system and smooth user experience. Display: 6.7 inches AMOLED, 120Hz refresh rateProcessor: MediaTek Dimensity 9200RAM: 8GB/12GBStorage: 256GBBattery: 5000 mAhCameras: 50MP + 8MP + 50MP rear camera and 50MP front cameraOS: ColorOS 14.1 Pros Cons Stunning AMOLED display No expandable storage Great camera performance No wireless charging Premium design and build No official IP rating [B-02] Conclusion The top mobile phones under Rs. 30,000 include sizable battery lives, rapid charging times, and potent processors. When shopping for a mobile phone for around Rs. 30,000, you won’t even have to skimp on the camera. Further, most consumers opt for easy EMI to facilitate their purchase. The services provided by Piramal EMI networks might help you spread the cost of your purchase over time. With Piramal Suvidha EMI, we aim to make payments as easy as possible. This item is unlike any other on the market because of the flexibility of its repayment schedule, which allows payments to be made on the 1st and 16th of each month. This also means that the amounts owed over time are less weighty. Read more related blogs on the Piramal Finance website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Education

Top 10 Highest-Paying Jobs In India for 2022

India is projected to have the third-largest economy in the world by 2022. With this growth comes an increase in demand for the highest-paying jobs in India. It’s also no surprise that many high-paying jobs are available in such a vast and populated country. The saying goes, “Money can’t buy happiness”, but in reality, it can help make life much more comfortable. Indian youth know that very well! And that’s certainly why there’s always a search for a career that will pay wonders. This blog will help with that search. In this blog, we’ll be looking at the top 10 highest-paying jobs in India. Keep reading! [B-01] Medicine Medical jobs like those of doctors and surgeons are among the highest salary jobs in India. This is due to the extensive training and expertise required to work in this field. Medical professionals are in high demand due to the growing population and the increasing prevalence of chronic health conditions. While most people typically think of doctors when they think of high-paying jobs in India, other medical professions also offer competitive wages. These include pharmacists, nurses, and physician assistants. The average salary of healthcare professionals in India is 10LPA (approx.) The average salary of a General Surgeon in India is 11LPA (approx.) Investment Banking The high salaries of investment bankers are due to the nature of their work. They are responsible for raising company capital and providing clients with financial advice. With the Indian economy expected to continue growing at a rapid pace, investment banking is expected to be one of the most lucrative industries in the country. A study found that investment bankers earn an average annual salary of ₹2,93,741 with the highest salary ranging up to ₹25,20,000. Data Science Data scientists are in high demand in India, and the trend is only expected to continue in the coming years. Businesses increasingly rely on data to make decisions, so they need experts who can collect, analyze, and interpret this data. Data scientists are uniquely qualified for this task, and their skills are in hot demand. In fact, data science was recently named one of the highest-paying jobs in India for 2022. Salary levels will vary depending on experience and location, but data scientists can expect to earn a very good income. The average base pay of Data Scientists in India is ₹11L /yr. Engineering India is experiencing an economic boom, and as a result, there is a growing demand for skilled workers. Engineering is one of the most in-demand fields, and it is expected to become even more popular in the coming years. The highest-paid engineers specialize in areas such as artificial intelligence, big data, and cloud computing. The average base pay of Engineers in India is ₹6,00,000 /yr with the highest salary ranging as much as 2 lac per month. Chartered Accounting As the Indian economy continues to grow, so does the demand for skilled professionals. Chartered Accountants have some of the best jobs in India and are in high demand by both local and multinational companies. The role of a chartered accountant is to provide financial advice and support to clients. They are responsible for ensuring that the financial statements of their clients are accurate and follow regulatory requirements. The average base pay of a Chartered Accountant in India is ₹9,00,000/yr. Management Consulting Management consultants are in high demand due to the continued growth of the Indian economy and the increasing complexity of businesses. They provide valuable advice and guidance on strategic and operational issues and help organizations to achieve their goals, making it one of the most attractive career options in the country. If one has the skills and qualifications required for this demanding role, then a career in management consulting could be very rewarding. The average base pay of a Management Consultant in India is ₹11,49,770/yr. Full Stack Software Developing A full-stack software developer is a professional who can develop and manage both the front and back ends of a software application. The front end consists of the graphical user interface (GUI) that allows users to interact with the software. In contrast, the back end handles the more technical aspects such as database management and security. Full-stack developers are in high demand due to their ability to manage both sides of the software development process. The average base pay of a Full Stack Developer in India is ₹6,06,000 /yr Machine Learning India has been known as a leading country in the field of Information Technology. After all, the country is home to some of the world’s largest IT service companies. However, in recent years, India has also emerged as a major player in the field of machine learning. As machine learning becomes more prevalent, demand for machine learning experts is also on the rise. The average base pay of a Machine Learning expert in India is ₹9,00,000 /yr Aviation With the rapid growth of the aviation industry in recent years, it comes as no surprise that aviation services are among the highest-paying jobs in India. Aviation services include a wide range of jobs, from pilots and flight attendants to air traffic controllers and aircraft maintenance technicians. The demand for qualified candidates is expected to continue to grow in the coming years, making it an excellent career choice for those looking for stability and high earnings potential. The salary range for Aviation Services ranges from 3 lacs to 8 lacs/ month. Business Analysis Business analysts typically have a background in accounting or finance, and their deep understanding of data makes them uniquely qualified to help organizations make better decisions. With businesses across India seeking talented professionals, there has never been a better time to enter this exciting field. The average base pay of a Business Analyst in India is ₹7,70,000 /yr [B-02] Parting Words While many of the jobs on this list are in line with global trends, there are a few unique entries that reflect India’s growing economy and burgeoning middle class. With an ever-growing population and an increasingly tech-savvy workforce, India is poised to take over as the world’s leading economic power in the next decade. Are you excited about the prospect of these highest-paying jobs in India? If so, start preparing yourself today! If you need help funding your certifications for such a career, visit Piramal Finance. Get easy and customised credit card and personal loan solutions from their website today.
08-11-2023
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Dream Mobile

India’s Top 10 Mobile Companies: The Best Mobile Brands of 2022

India is one of the fastest-growing economies in the world and its mobile market is booming. India has more than 1.2 billion people, and over 900 million of them are mobile phone users. The mobile phone industry is growing rapidly all over the world and India is no exception. In India, there are dozens of mobile brands, but only a few of them are successful. In this post, we will look at the top 10 mobile brands in India and see which brands are expected to dominate the market in 2022. So, without further ado, let’s take a look! [B-01] OnePlus Based on research and analysis, it is fair to say that OnePlus will be one of the best mobile brands of 2022. The brand has been constantly innovating and making quality products to meet the needs of consumers. OnePlus has a strong presence in both, online and offline channels. This makes it easily accessible to consumers. Furthermore, the company has a track record of providing good customer service, which builds trust and loyalty among customers. You can consider OnePlus if you are looking for a phone that is affordable and offers the same features as other high-end smartphones. Samsung The company has been in the business for many years and has gained a lot of experience in manufacturing quality products. Samsung mobile phones are known for their durability, sleek design, style, and performance. A wide range of mobile phones is available from Samsung to meet the needs of different customers. Samsung has also introduced some innovative features in its phones. Some of the best models of Samsung mobile phones include the Galaxy S8, Galaxy S9, and Galaxy Note 8. Apple Apple is one of the top mobile brands in India as well as in the world for many years. The company is known for its high-quality products and cutting-edge technology. In recent years, Apple has released several new products, such as the iPhone 13, iPhone 14 and the Apple Watch. With each new release, Apple has become a stronger brand in the market. As per industry experts, the year 2022 will be no different. It has a strong product pipeline and a growing base of loyal customers. With this, Apple is expected to remain one of the world’s top mobile brands in India. Xiaomi Chinese brand Xiaomi has been making quality mobile phones for years. With each passing day, they’re only getting better. Their phones are packed with features and are always up-to-date with the latest trends. Naturally, Xiaomi is one of the best mobile brands in the market. Customers hope that they are only going to get better in the years to come. Google Google is not a search engine anymore. In the past decade, the company has entered the mobile market and is now one of the leading manufacturers of smartphones and tablets. Along with its popular Nexus line of devices, Google has released several innovative products. These include the Pixel phone and the Chromebook laptop. Google is well on its way to easily coming in the top 10 mobile brands in India. Its cutting-edge technology and easy-to-use software are popular among users. Vivo Vivo is a rapidly emerging Chinese phone manufacturer. It has managed to make a name for itself in a short period of time. The company offers a wide range of phones that cater to various budgets. It has managed to garner a loyal customer base of budget-conscious buyers. Vivo has recently expanded its reach by setting up operations in India and other countries. Its aggressive marketing and competitive pricing techniques have made Vivo one of the most popular phone brands in the world. Oppo Founded in 2004, the Chinese brand Oppo has rapidly become one of the top mobile brands in India now. It has positioned itself well in the Indian market with a wide range of innovative products. Oppo phones are known for their excellent cameras. The company continues to invest heavily in research and development of its camera technology. Motorola Motorola has been one of the best mobile brands since it released its first smartphone in 2003. The company has released several groundbreaking devices over the years. This includes the world’s first Android phone, the Moto X. Motorola has also been a pioneer in 5G technology. Its latest product, the Moto Edge Plus, is one of the most 5G-compatible devices on the market. Motorola phones are well-known in the market for their innovative hardware and user-friendly features. LG LG’s phones are known for their high quality, durability and innovative features. The new range of LG phones released at the recent Mobile World Congress shows that LG is still at the cutting edge of mobile technology. Its new flagship phone, the LG G8 ThinQ, is set to be released later this year. LG is set to continue its tradition of delivering high-end phones that offer a great user experience. Nokia Nokia was once the undisputed leader in the mobile world. It fell on hard times in the early 2010s. However, the company has made a comeback in recent years with its renewed focus on quality and innovation. Nokia phones are widely regarded as some of the best-designed and most reliable in the market. Nokia has also been quick to adopt new technologies like 5G and AI. [B-02] Parting Words India is one of the largest mobile phone markets in the world. India’s top mobile companies are preparing for the future by investing in new technologies. Many mobile companies in India continue to grow and offer great features. This article lists the top 10 mobile brands in India. These companies are sure to lead the market with their innovative products and services. Which company do you think will be at the top? Read more related blogs on the Piramal Finance website, or explore their financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Cards

India’s Best Reward Credit Cards

You must have also come across cards offering RBL rewards or SBI rewards. If you are looking for something similar, here are a few reward credit cards to consider. [B-01] Citi Rewards Credit Card The Citi Rewards Credit Card aims to offer eye-catching rewards and cashback on various purchases. Cardholders can receive 1–10 reward points based on the kind of purchase they have made. For instance, cardholders receive 10 reward points for any purchase of Rs. 125 in department stores. These reward points are redeemable on various kinds of products, making them a lucrative option for most. Additionally, the nominal joining fee and its renewal fee waiver are major attractions for credit card holders. Card highlights: Nominal joining fee of Rs. 1000 plus taxes Joining reward points up to 2500 Renewal fee waiver for purchases of Rs. 30,000 or above Fuel surcharge waiver of 1% RBL ShopRite Credit Card The RBL rewards credit card offers several reward points for grocery shopping, movie tickets, and fuel transactions. If you are looking for a credit card to help you save, this is the best choice. With a nominal joining fee, the RBL rewards credit card enables you to gain several points on nominal transactions and helps you save to the fullest. Additionally, the card can help you reduce your fuel costs by up to 1%, reducing the costs of maintaining a car. Thus, the RBL rewards credit card is quite famous for its offers, discounts, and reward points that allow cardholders to fulfill all their shopping requirements. Card highlights: 2000 reward points for joining Nominal joining fee of Rs. 500 plus taxes 1 reward point for every Rs. 100 spent on retail purchases 10 reward points for every Rs. 100 spent on fuel 1% fuel surcharge waiver SBI SimplyCLICK Credit Card SBI SimplyCLICK Credit Card is designed for new credit card users because of its simplicity. The card offers several reward points, especially for shopping. This SBI rewards card has a very low nominal joining fee and value-added services on travel, dining, and movies. Card highlights: Amazon gift voucher of Rs. 500 as a joining gift 5 reward points on all online purchases Renewal fee waiver on spending Rs. 1,00,000 Standard Chartered Ultimate Credit Card The Standard Chartered Credit Card is famous among high-income individuals. The card helps them fulfill all their luxuries. Additionally, the card is also suitable for foreign exchange at nominal rates. Card Highlights: 6,000 reward points for joining Airport lounge access is available in several countries 5% cashback on purchases at duty-free shops 5,000 reward points on membership renewal Bank of Baroda Eterna Credit Card The Eterna card is a premium credit card offered by the Bank of Baroda and is known for its premium benefits. The card offers 10,000 points as a joining gift, along with several other benefits and cashback options. Card Highlights: FitPass pro membership as joining gift Redeemable reward points 15 reward points on every Rs. 100 spent on travel, movies, dining, etc 3 reward points on other online shopping apart from the ones mentioned above. BPCL SBI Credit Card If you are looking for credit cards that are efficient in saving fuel costs, the BPCL SBI credit card can be the best option. The card offers significant reward points for every fuel transaction and can help you redeem them. The card lets you cut down your fuel costs with an annual joining fee of just Rs. 499. Card highlights: 2000 reward points for joining Minimal joining fee of Rs. 499 plus taxes 4.25% value back at any BPCL petrol pump 1 reward point for every non-fuel purchase Axis Bank Magnus Credit Card Launched in September 2019, the Axis Bank Magnus Credit Card targets high-income individuals looking for a luxurious lifestyle. The card offers rewards and benefits for various transactions, from fine dining to travel. For every Rs. 200 you spend on retail items with the card, you get 20 Axis Edge Rewards. Cardholders can also receive Axis Edge rewards on various other purchases, along with considerable discounts in restaurants and lounges. No wonder the Axis Edge Rewards card is a favorite among most credit card holders. Card highlights: Free domestic flight or Tata Cliq voucher worth Rs. 10,000 Joining fee of Rs. 1,000 plus taxes 5 Axis Edge Rewards points for travel bookings made via Travel Edge Discounts on the following BookMyShow tickets Discounted rates at the Oberoi chain of hotels 25000 Bonus Axis Edge Rewards on overcoming the spending milestone 25% discount on selected restaurants on DineOut HSBC Smart Value Credit Card The HSBC credit card can be your best option if you are looking for a credit card with no joining fee. The card offers free membership, several discounts at airport lounges, and Amazon gift vouchers. Though the card is specifically designed for newbies using credit cards, it offers an array of lucrative options. Card Highlights: No joining or renewal fee 10% cash back on purchases of Rs. 1,000 or more within the first month of membership Fuel surcharge waiver of 1% Amazon gift vouchers worth Rs. 500 as a joining gift 3 reward points on every Rs. 100 spent on any item. IDFC First Select Credit Card The IDFC credit card offers a range of benefits and discounts to cardholders for a nominal joining fee. With gift vouchers, reward points, and cashback options, this credit card is popular for its facilities. You can also enjoy lounge and travel benefits using the IDFC credit card. What’s more? Cardholders can receive 1+1 benefits on movie tickets, fuel waivers, and several reward points on their purchases. Card highlights: No joining fee 3 reward points on offline purchases up to Rs. 25,000 Free railway and airport lounge access 10 reward points for every Rs. 125 on transactions above Rs. 25,000 American Express SmartEarn Credit Card The American Express Credit Card is designed for new users and has simple, easy-to-understand schemes. This reward card can help cardholders gain significant points on retail purchases. Cardholders are also eligible for a renewal fee waiver on purchases above Rs. 40,000. Card Highlights: Rs 500 cashback on purchases of Rs. 10,000 within the first 90 days of membership 10 accelerated membership points on purchases on Amazon, Flipkart, and Uber Membership renewal fee waiver on purchases above Rs. 40,000 in the previous year 5 accelerated membership points on bookings made through BookMyShow and PVR Joining fee of Rs. 495 plus taxes [B-02] Conclusion You must consider all the necessary factors before selecting the best reward credit cards. The RBL rewards card, SBI rewards card, and Axis Edge Reward cards are some of the best options that offer you several reward points on various purchases. If you are looking for more options and greater details about reward credit cards, Piramal Finance can help you. They offer various financial guides and expert opinions on selecting the best rewards-based credit cards in India. Consult a financial expert like Piramal Finance and get easy and customized credit card and personal loan solutions.
08-11-2023
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Electronics

Top 10 Features of Sony 32-Inch TV

The world of entertainment has evolved so much. With 4K movies, top-notch VFX and cinematography, the entertainment world is more exciting than ever. And how exciting would it be to have the theatre-like experience at home? Sony Bravia is your answer to this! [B-01] Sony Bravia series has been a leader and a fan-favourite when we talk about amazing TV sets. But this Sony Bravia 32-inch LED TV is one of the best TVs in India right now. With an ultra-stylish exterior, this TV has a sleek design with a narrow bezel. The TV has a built-in subwoofer to give you a real-time experience. The patented ClearPhase technology of Sony adds a cherry on top of the whole system. This high-sound definition feature makes Sony Bravia 32-inch TV a steal deal. It elevated your music and movie-watching experience to new levels.The MotionFlow technology of Sony Bravia makes watching movies more fun. No doubt why it is one of the best TVs in India. The revolutionary upscaling technology used in Sony 32 Inch TV creates a stunning experience with high-definition 4k quality. It improves your viewing experience. What else? Sony Bravia offers you to surf different entertainment apps, chrome cast, etc., which makes your TV a smart TV. With seamless usability and sleek design, Sony Bravia 32-inch TV offers you to experience entertainment in new definitions. The TV offers such picture quality that you feel everything is coming to life. The 4K processor enhances TV viewing by providing crystal-clear picture quality. With great colour quality, dynamic contrast and detailed clarity, Sony Bravia 32-inch TV provide a thrilling experience. Undoubtedly, one of the best TV in India, Sony Bravia, has a 4K Processor that upscales every pixel beautifully.Some of the top 10 features of sony 32 inch TV are:DisplayThis 32-inch (80cms) TV offers a complete HD resolution. This high-resolution TV makes characters simply come alive on the screen. This HD display offers actual colours and a clear display to enjoy TV watching experience. Sony TV 32-inch Price is quite affordable, and you can also avail some of the best deals online or in the showroom.Sleek designAnother important feature of this TV is its sleek and streamlined design. With a minimal frame, the TV looks incredibly attractive and instantly adds beauty to your living space. The streamlined design also helps the easy and hassle-free mounting on the wall. X-Protection PRO The Sony 32-inch TV has been designed keeping environmental factors in mind. The technology itself comes with an extra-protection design. Whether it is humidity, dust or any shock, the TV can resist and sustain. It has no ventilation holes, and an insulated and anti-humidity coating on the circuit just elevates this whole technology to stand apart. It also has a primary capacitor that takes care of the TV’s components for any unstable electrical supply.X-Reality PRO This is another interesting feature of sony 32 inch TV. With the X Reality Pro, all digital content appears even more stunning as it offers upscaled pixels. This picture processing engine in this TV cuts off any noise and simultaneously improves the texture, edges, and contrast of all scenes.Easy Connectivity The sony 32-inch TV comes with 2 HDMI ports and two multi-format USB ports. It allows you to connect to any external device conveniently. You can also play various music and movie files as the TV easily supports various codecs.Easy Access to the Internet Sony 32-inch TV has taken your experience to another level as you can easily access all your OTT platforms, such as Netflix, Hotstar, Prime, and YouTube, on the big screen of this TV.Screen MirroringThis is a great feature for sharing funny videos, memes, jokes, and anything and everything that your friends send you on the phone. All of it can be viewed on the TV’s huge screen with the help of the screen mirroring feature. This feature makes it one of the best TV in India. Photo Sharing Plus Now Sony 32-inch TV also offers you to share photos and videos with friends and family via your Sony TV. This feature lets you share files with up to 10 other devices. Isn’t that incredible?Motionflow™ XR Don’t miss out on any details in the fast-action sequence, as this TV comes with Motionflow 200 Hz technology. This in-built technology is used for consecutive frames and inserts any extra frames in case it finds any missing action for a visually pleasing experience.Built-in Subwoofer Well, you need good audio for an amazing TV viewing experience. Sony Bravia 32-inch TV comes with an in-built subwoofer system that lets you not only listen to songs but live and listen to every beat, every breath! Enjoy high-resolution music at your convenience. Who said you can’t transform your living room into a concert in a moment? Make it happen with Sony Bravia!Crystal clear, Powerful Sound Whether it’s watching Interstellar or a documentary, you want to experience something out of the world. And one of them is the sound quality that determines your experience. Sony’s ClearPhase technology and DSEE-HX sound system are some of the best high-sound-definition technologies in the market. It makes Sony Bravia 32-inch TV a must-have. You can finally watch movies glitch free with an in-built 2.1 channel speaker system. This technology increases the impact of the audio. It enhances natural sound reproduction and clear sound image position. [B-02] Conclusion With all these amazing features, no doubt Sony 32-inch TV is one of the best TV in India, and it comes at an affordable price. Sony TV 32-inch price in India varies between INR 23,000 and INR 26,000 depending upon different online platforms and offers they are running. You can also purchase this TV on no-cost EMIs with great deals and discounts and guaranteed delivery that these sites have to offer. This HD-ready smart LED TV is a great addition to your weekend nights and general enjoyment. With HD resolution, easy connectivity, Dolby audio, HDR display, and easy warranty options, Sony Bravia 32-inch TV is one of the best TV in India. Other interesting features of this TV include signal analysis, real-time control, and evolving database. This TV has everything you can imagine, with flat area detection and digital noise reduction. Wondering how to fit a purchase like this one within your budget? That’s where a financial expert like Piramal Finance can help. Know how to apply for easy financial solutions like personal loans and manage your personal finances.
08-11-2023
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Education

Child Education Plans: What You Need to Know

Given the fate of life, you should not ignore your children’s study plans. Kids rely on their parents to nurture them. Parents fund their studies and other things. Following the loss of a parent, you should not force a kid to battle for funds to exist. They should receive care and study. One must have a child education plan if they are a parent. [B-01] What is a Child Education Plan? The child education plan helps children pursue their goals in whichever field they desire. It also gives options to maximize savings on premiums. These plans include a life plan. The lump-sum payment after the plan’s term assures that neither one nor their child is short on funds for further studies. What are the Types of Child Education Plans? ULIP Plans for Children A child ULIP plan provides him with three profits. These are increased insurance scope, equity share, and disciplined fees. Its goal is to save funds for the kid, ensuring his or her future dreams come true. The benefit is that if the custodian or parent passes away, the child inherits the entire sum. After the plan, these child education plans pay out a lump sum, and future payments are waived. When the program expands, the reimbursement amount increases as well. You can claim the amount after its completion. Child Plan with One Premium The subscriber contributes a single payment. It is based on premiums paid for the plan’s term. It relieves the burden of remembering premium payment due dates. One will not have to deal with problems arranging funds for the amount paid. Some firms also have tempting deals or lower premiums for children. Traditional Investment Plan for Children Child education plans are typical life insurance plans, giving security and earnings. They allow one to save over time. The plans help to obtain a lump-sum payment upon the plan’s growth. A child education plan will serve as a monetary vehicle. Through it, one child can meet his financial goals. The premium is put towards debt insurance. The bonus determines the returns, which are paid at retirement. The insurance company makes the final choice. Child Plan with Regular Premium In contrast to a premium upgrade children’s study program, a premium service child policy lets you choose how to pay the premium. What are the Benefits of a Child Education Plan? Financial Security These plans give one’s child a financial shield. It can be helpful when people are not present with their children. Nothing can replace them or compensate for their absence. One’s child will be able to complete high school. They can pursue their goals thanks to the plan’s payment. Withdrawals in Part Some schemes allow for partial deposits. One can make a planned deposit. It is done from the capital, which gets piled up over time. It gives one the ability to cope with an emergency fund. It will help with any course one’s children wish to pursue. Maturity Profit If one buys a plan while their kid is very young, they will receive the growth profit. They will get this when they are ready to enter college. Due to the increase in college fees, this is becoming more relevant. Enrolling in a child education plan can ensure a kid’s college fees. Keeping Children’s Dreams Alive All high-quality child plans will help ensure their child’s dream. These plans enable one to save a lump-sum payment. Your kids can use these plans to pursue their dreams. If one’s child wants to study abroad or establish a new firm, this funding may help them do it. Extra Benefits Many child plans include extra perks, such as premium waivers or programs for personal accident riders. These plans have more coverage than is currently included in a standard method. These riders assure them. It gives more help and a shield for the child. What Are the Ways to Decide on a Child Education Plan? Consider Economic Variables It is crucial to remember that a child’s investments and savings are realized in the following years. It would help to consider various economic aspects when making a suitable plan. Inflation increases the price of healthcare, education, and other financial factors. It will offer appropriate funds for the child’s future needs. The most critical child policy can help one combat this. Select the Premium Waiver Benefit If the insured person dies during the plan’s term, the insurance company will often lower the premium.It is portrayed as a “premium waiver” or “bonus self-funding.” It aids in continuing the program without putting the family and children under stress. The child gets the entire payout during growth. One must choose this addition if their child’s plan does not include this function. Examine Carefully the Terms and Conditions Fully comprehend the rules and circumstances of the plans document for child education plans. The optimal kid plan includes distinct elements that you must accurately interpret. It will help avoid confusion regarding growth and payout. It will also aid in selecting the best child plans. It depends on individual needs and is ideal for children’s needs. [B-02] Conclusion The sole intention of child plans, recurring payments, monthly Readers can check out the Piramal Finance website to thoroughly study multiple plans. It will help select the best child scholastic programme that meets their child’s needs. If they need help with finances, they can always take the help of Piramal Finance’s financial experts. They will suggest what’s best for them and help take care of any personal loan requirements for their child’s education.
08-11-2023
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Credit Score

10 Great Ways to Improve Your CIBIL Score

The CIBIL scores help banks make major decisions regarding customers. These scores give an overview to the banks about whether a customer is reliable or not. Let’s start by understanding what the CIBIL score means. [B-01] What is a CIBIL score? TransUnion CIBIL Limited keeps the Credit Information Bureau (India) Limited (CIBIL) score. The company does CIBIL score calculations for people and organizations. Banks and non-banking finance companies give CIBIL Ltd. information about their customers’ credit so that they can do calculations. In short, the CIBIL score is a three-digit summary of a customer’s credit history. It records their loans, credit cards, delays in payments, and defaults. CIBIL score calculations determine customers’ credit health. A good score gives them good interest rates and offers. It also helps to work out better loan terms. Service providers and utility companies might also check a customer’s score to see if there are any deposits to be made to them. The CIBIL score is taken from a CIBIL report, also known as the Credit Information Report (CIR). It has the following: Credit score Personal and contact information Loan account details Employment details Outstanding balance Inquiry information (it means information about the number of times a customer applied for credit, every single time the lender checks the CIBIL score) How is the CIBIL score calculated? In terms of scale, the score ranges between 300-900. The CIR’s ‘Accounts’ and ‘Enquiries’ sections reflect customers’ credit behavior. Anything above 700 is good. Excellent: 800-850 Very good: 740-799 Good: 670-739 Fair: 580-669 Poor: 300-579 Companies are given a CIBIL rank ranging from 1 to 10. 1 is the highest, and 10 is the lowest. Financial institutions consider rankings between 4 and 1 as good. The factors that are important for company ranking are repayment behavior and credit usage. CIBIL Ranks are only available to businesses that take credit up to Rs. 50 crores. The following things are considered in the CIBIL score calculations for an individual: Past credit behavior is important for CIBIL score calculation. It affects 35% of the credit score. The score considers installments, credit card payments, delayed payments, and defaults. Other things that affect CIBIL scores are the type of credit information and the new credits. It could affect the score positively or negatively. A positive impact on CIBIL score calculation will benefit the customer in the long term. How can I raise my credit score? Utilize 30% of the credit limitCredit Utilization Ratio (CUR) is the ratio between the credit card limit and the amount the borrower spends. Credit cards have a monthly limit. The credit limit depends on how much a customer can repay. A customer can easily spend the whole amount, but that’s not wise. Using up to 30% of it monthly is the way to go. If the limit is INR 50,000, then use about Rs.15,000. If one overuses it, it will lower the score, as banks define it as credit-hungry behavior. Repayment on timeRepayment on or before time is good for borrowers’ CIBIL scores. Delaying the payment harms their CIBIL score. In India, there is a penalty of Rs. 400 to Rs. 1,300. So, paying on time is important. Don’t accumulate outstanding amounts accumulateThe outstanding amount can get added on over time and become expensive. Banks offer auto-pay options to ensure timely payment. Customers should always pay the due amount before applying for new credit; this will help with CIBIL scores. Never pay minimum amountsCustomers should pay credit bills in full. It also saves them from paying the applicable interest rate. When they pay the minimum amount, the remaining outstanding amount adds up for the next month, which is not a great move. Choose the right credit card and avoid multiple applicationsWith so many options on the market, it can be hard to choose the right credit card. The customer can choose the one that best suits his or her buying habits. There are always amazing offers that various credit companies provide. One shouldn’t apply for all of them at once. Every time one applies, the issuers conduct a hard inquiry on his/her CIBIL score, which will lower one’s score. He/she must stick to one or two credits that work for him/her and enjoy the perks that come with them. Be careful with expenses If one worries about how to improve CIBIL score, one should start with spending within the credit limit. Credit card statements are a great way to keep tabs on expenses. It contains information about transactions, limits, outstanding balances, and more. If one fears overspending, he/she should divide the expenses among credit cards. Good credit mixCredit mix means the ratio of secured and unsecured credit. Secured credits are when one includes collateral for the loan, like assets or property. To improve a CIBIL score, one should have a balance between secured and unsecured credit. Cibil score calculations can go negative if secured or unsecured credits are greater than each other. Check the CIBIL score regularlyWhen one regularly checks his or her CIBIL score, he/she can report an error quickly. It also helps one understand if he/she is making the right choices and how that affects the CIBIL score. It leads one to make informed decisions. Never close a credit accountClosing an account affects the CIBIL score calculations badly. If one is unsure about using a credit card, don’t close the account. For example, if one has Rs. 50,000 in debt and a Rs. 1,000,000 credit limit on a credit card, if one doesn’t use the card for a while, the credit utilization might lessen, which is fine. But if you closed one of the credit accounts, the credit utilization rate would go down, which would hurt your CIBIL score. Income matters Though income doesn’t directly impact the credit score, it does show up in the credit record. To get a loan, lenders look at your employment history and consistent income. If one wants to learn more about finance and needs help making smarter choices, check out Piramal Finance. Read more related blogs on the website and explore our financial products and services, such as personal loans, credit cards, and financial calculators. [B-02]
08-11-2023
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Education

Highest Paying Salaries of Professions in India

India is a growing nation that has made great economic progress over the past few decades. That is why college students and recent graduates in India are looking for jobs that pay the most money in their fields. India has also improved the way it treats job seekers and gives them good access to growth and wealth at the same time. People used to choose narrow career paths, such as medicine, engineering, law, etc., to grow in their lives. But, thanks to technology and development, it is not the same now. Thus, today’s job seekers do not just look for high-level positions in the fields in which their parents or teachers worked. They now look for jobs in which they have a true passion and can earn good pay too. Many people looking for work are taking time to learn more about the career paths that might be a good fit for them and the interests they bring to the table. If you are also one of them, here are some of the best-paying jobs in India. [B-01] The Best-Paying Careers in India Today 1. Commercial pilot If you have always wanted to be an airline pilot but do not know how to become one, this is all you need to read. Commercial piloting is a fancy field. It is always going to be in demand as people need to get from one place to another. A commercial pilot’s duties extend well beyond piloting a plane. A pilot is also responsible for all flight operations, like making sure the plane is ready to fly, following all aviation rules, and ensuring the safety of passengers and crew. Qualifications: Candidates must be in good health and pass the necessary medical tests. They also must have a bachelor’s degree, ideally in a science field like Physics or Mathematics. One must also hold other licenses, such as an Air Carrier Pilot License and a Commercial Pilot License. These can be obtained at a reputable training facility. Pay: A commercial pilot’s average annual pay is more than Rs 17 lakh (about $25,000). Considering base pay, incentives, overtime, and other perks, a pilot with less than a year of experience can expect an annual salary of around Rs 15 lakh. You can earn almost Rs. 50 lakh a year with experience. 2. Blockchain software engineer When it comes to the financial sector, blockchain technology is at the forefront. A blockchain engineer is an expert in the field who can oversee and control the blockchain’s architecture. These engineers work with various technologies, such as Bitcoin, Ethereum, Ripple, R3, and others, as well as computer languages, security procedures, and crypto libraries. The rising value of cryptocurrencies like Bitcoin and Ethereum has led to a surge in their demand. Qualifications: Those who wish to pursue this field must hold a Bachelor of Engineering or Bachelor of Technology degree in a relevant field such as Computer Science, Maths, Statistics or IT. Candidates with a strong coding background in languages like Java, JavaScript, C#, C++, and Python are given preference over the others. Pay: A blockchain developer in India can earn a starting salary of more than Rs. 8 lakh per year. Due to the rise in demand for more people in this field, salaries have increased to as much as Rs 45 lakh per year. 3. Financial advisor Investment banking is one of the best-paying jobs because investment bankers make money for the companies they work for. Qualifications: A bachelor’s degree is a must in fields such as Economics, Maths, Business or Finance. An MBA in finance can provide you with a competitive edge. Pay: MBA salary in India can range from Rs. 4 lakh to Rs. 40 lakh per year. For new hires, the pay ranges from Rs 10 lakh to Rs 12 lakh per year. 4. Medical field (doctors and surgeons) Dentistry, cardiology, gynecology, paediatrics, oncology, nursing, pharmacy, healthcare administration, and many more subspecialties all rank among the highest-paying jobs in the country. Qualifications: A medical degree (MBBS) is required. Pay: Beginners might expect an annual salary of roughly Rs. 6 lakh. Those with ten years of experience or more can expect an annual salary of up to Rs. 20 lakh. Doctor Salary in India differ with the fields, but they easily range from Rs. 6 lakh to Rs. 50 lakh. 5. Chartered accountant A chartered accountant’s (CA) main job is to advise clients on good financial management. This makes CA jobs vital in every sector. As one of the best-paying professions in India, the need for CAs is on the rise. Qualifications: Commerce majors who want to work as CAs must pass the CA exam given by the Institute of Chartered Accountants of India (ICAI), which is based in New Delhi. Pay: CA Pay in India can go from Rs. 52,00,000 to Rs. 60,00,000 per year. At an annual salary of Rs. 7,89,396 on average, chartered accounting is one of the highest-paying professions in India. Lawyer A lawyer practices law, gives legal advice to people, prepares court cases, and fights for justice. It is one of the noblest and most prestigious professions in the world. The enrolment and licensing of lawyers in India are done by the Bar Council of India. Qualification: You need a law degree, also known as an LLB. You can take a 5-year law course after high school or a 3-year law course after graduation. In India, a law graduate must pass an exam given by the Bar Council of India in order to be able to work as a lawyer. Pay: On average, a lawyer’s salary in India ranges from Rs. 6 lakh to Rs. 15 lakh per year for corporate lawyers. Those who practice law in courts as attorneys make from Rs. 10 lakhs to Rs. 50 lakhs per year, depending on their area of practice and experience. [B-02] Conclusion All the above are examples of highly compensated careers in India today. But they are not your only options. Many other fields also offer good salaries, such as marketing executives, executive chefs, growth hackers, public servants, machine learning engineers, and web developers. Many people like to work for the government. You can reach the top of your field by working hard and wisely. Read more related blogs or articles on financial management on 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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Education

India's Highest Paying Government Jobs after Graduation

Have you completed your graduation in a general stream? You must be on the threshold of starting a career. You may be considering the best option for employment. A job in the government sector is a good career option. The government jobs in India give you the desired security and handsome compensation. The recent global pandemic has made employment in the private sector unstable. Thus, many people are looking for government jobs for a stable and secure future. [B-01] Types of government jobs Government jobs are of two types: · Central government jobs In these jobs, you will serve different ministries under the Government of India. Typical examples are the IAS, Indian Railways, and the Income Tax Department. · State government jobs The state government of India provides these jobs. Examples of these jobs are State Level Civil Service and Public Service Commission. Central government jobs are superior to those of the state government. Hence, these jobs have increased work pressure. You will be accountable to many seniors in central government departments. When working for the state government, you must adhere to state administration requirements. Why would you prefer a government job? If you are looking for a stable job that offers many benefits, a government job is for you. But before applying, it is important to know what kind of benefits a government job offers. The benefits of a government job over the private sector are as follows: 1. Handsome compensation You get a good salary in government employment. The salary is always paid on time. Perquisites like dearness allowance are also paid. 2. Family pension A government employee continues to earn a pension even after retiring, until his or her death. After the death of the retired employee, the spouse continues to get a part of it. 3. Healthy work-life balance Most government jobs have fixed schedules. It will give you time to spend with your family. Government employees are also entitled to paid leaves. Thus, you can spend quality time with your loved ones. 4. Retirement benefits As is the case of a government job, you are most likely to spend a lifetime in the same employment. At the time of retirement, you get a sizable amount in the form of a Provident Fund and Gratuity. This coffer can see you through old age. 5. Ease of getting loans You may need loans for various reasons, like buying a house or a car. You may also need personal loans for your children’s education. A government employee has a preferred profile due to the stability of the job. What are the best government jobs in India? There are several job opportunities after graduation. Some of the highest-salary jobs in the Indian Government include: 1. Indian Foreign Service (IFS) The Indian Foreign Service is the dream government job after graduation. One needs to clear the examination conducted by the UPSC to get into the service. The successful candidates become Indian ambassadors to various countries. The starting salary of an IFS officer is around Rs. 60,000 per month, along with perks. 2. Indian Administrative Service (IAS) Employment in the IAS cadre is the second-most-chosen government job. As an IAS officer, you get a posting in a decision-making role in the government. The job has perks like free education for your children and free medical benefits. The perks are exclusive of a starting salary of Rs. 56,100 per month. 3. Defence Services A job in the defense services is a desired employment option for many. You need to pass the exam conducted by the National Defense Academy to get a job in the defense services. You may expect a monthly package of Rs. 56,100 per month. 4. Job in the Indian Space Research Organization (ISRO) If you are a graduate of science, a job as a scientist in the ISRO is a very good employment option for you. The starting salary is around Rs. 40,000 per month, which goes up to Rs. 80,000 as you become a senior. 5. Reserve Bank of India The Reserve Bank of India (RBI) is the bank for all commercial banks in India. RBI is the regulator and the policy maker for the banking system of the country. In RBI, you may grow to the level of the Governor of RBI. The salary package that you may expect at the start of your career is around Rs. 77,000 per month. 6. Jobs in Public Sector Undertakings (PSU) Apart from the ones stated above, there are many job opportunities at leading PSUs. Jobs with a good package and benefits are available here. Examples are jobs in the State Bank of India, other PSU banks, and the Life Insurance Corporation of India. A graduate is eligible for these jobs. At the beginning of your career, you may expect a package of Rs. 60,000 per month. 7. Indian Police Service (IPS): You may opt for a job in the IPS after graduation. The first posting will be at the supervisory level. With time, you may grow to the level of Inspector General or Police Commissioner. These are very important posts in the police cadre. As an IPS officer, your initial package will be Rs. 56,100 per month. 8. Indian Railways To get a job here, you need to clear the examination conducted by the Railway Recruitment Board. There are two options in a railway job: technical and non-technical. You may opt for the job depending on your educational background. The salary range starts at Rs. 35,000 per month, along with facilities like staff quarters. 9. Jobs via Staff Selection Commission (SSC): If you are a graduate, you can attempt exams conducted by SSC. SSC conducts many examinations to fill up vacancies under various departments and ministries. The jobs under SSC offer handsome compensation. There are also retirement benefits, like in other government jobs. The average salary at the beginning is around Rs. 25,000 per month, which increases over time. [B-02] Conclusion Government jobs can be a good career option for you after graduation. The government job ensures a consistent salary, good benefits, and a pension at the end of your career. At the same time, it is advisable to prepare yourself well for the job. Read more related blogs on the Piramal Finance website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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