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Home Loan

Difference Between Short Term and Long-Term Home Loans

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

Which Microwave Brand Is The Most Reliable?

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

Finding the Aadhar Number By Name And Date Of Birth

In India, you need an Aadhaar card to prove who you are and where you live. The Indian government uses this 12-digit number to identify its citizens and residents uniquely. The Unique Identification Authority of India (UIDAI) gives out the Aadhar card details. After signing up for your UIDAI Aadhaar card at any of the Aadhaar centres, banks, or post offices, you only need your name and date of birth to download and print it. You don’t even need the number on your Aadhar card. Checking Aadhar Card Details Using Your Name and Birth Date Step 1: Get started by logging on to the UIDAI website. Step 2: On the main page, select the tab labelled “My Aadhaar.” Step 3: Choose “Retrieve Lost or Forgotten EID/UID” from the list of options shown. Step 4: Choose the Aadhaar Number option on the page. Step 5: Enter your complete name. Step 6: Enter your registered account's e-mail address or mobile number. Step 7: Fill in the captcha code for verification. Step 8: After clicking the “Send OTP” button, an OTP will be sent to the registered mobile number. Step 9: Enter the OTP sent to your mobile device, and click “Login”. Step 10: A pop-up window on the screen will display the message that the Aadhaar number has been issued to your registered cellphone number. Step 11: After receiving an enrollment number for your Aadhaar on your mobile device, you must revisit the official UIDAI website, which can be found at uidai.gov.in. Step 12: Choose “My Aadhaar” from the list of available options. Step 13: Download your Aadhar card by selecting that option from the drop-down menu. Step 14: On the new page that appears, select the option “I have Aadhaar.” Step 15: Enter your Aadhaar card number detail and the captcha code. Step 16: Hit “Send OTP”. [B-02] How to Print Your e-Aadhaar Card After Downloading Your computer will automatically download a PDF of the document. You will need a password to access this file. Your name and the date of your birth are combined to form the password. You are required to enter the first four letters of your name in capital letters as they appear on your Aadhaar card and your birth year formatted in the YYYY format. When you have finished entering the password, the digital version of your Aadhaar card will be displayed on the screen. Aadhaar Card Download by Name and Date of Birth A person’s name and date of birth recorded with UIDAI are needed to download an Aadhaar card if the card is lost and the enrolled person doesn’t remember the Aadhaar card number. The name and date of birth are used to find the Aadhaar number, which allows the Aadhaar card to be downloaded online. The UIDAI has made it possible to get your Aadhaar number back through the internet in case it gets lost or stolen. This is true for all those who have already signed up and those who haven’t. If you lose your Aadhaar card, you can get your Aadhaar number from any computer, anywhere in the world, at any time, by entering your name and date of birth. Searching for Aadhaar Status using Name and Date of Birth Earlier, an excellent monitoring system did not exist that allowed you to check the status of your Aadhaar application using your name. Now, you can accomplish this by following the additional steps detailed below. Visit the UIDAI Self-service update portal SSUP. In addition to your name, email address, and mobile number, you will need to enter either your Aadhar number or your enrolment number. Once all the information has been entered, a text message will send an Aadhaar or enrollment number to your registered mobile number. After receiving the details, you can download your Aadhar card or use status repair services. Advantages of e-Aadhaar Card: Getting an e-Aadhaar card is convenient because it can be accessed from anywhere and at any time. There’s no need to worry about losing or misplacing your e-Aadhaar because it is stored digitally. The e-Aadhaar card serves as identification and proof of address, similar to the physical Aadhaar card. The Aadhaar card is required to receive government benefits such as free LPG and other programs. Key Considerations Aadhaar cards can’t be downloaded until a person’s mobile phone number is on file with UIDAI. Before permitting the Aadhaar pdf download, UIDAI sends an OTP to the registered mobile number. Without the OTP, you won’t be able to download your Aadhaar card. Infinite e-Aadhaar card downloads are possible. Your downloaded e-Aadhaar card can replace your physical Aadhaar card in any situation where you would normally provide the physical card. After downloading your Aadhaar card from the official website and entering your password, you can receive a hard copy. Conclusion UIDAI allows you to download an updated Aadhaar card online to eradicate the need to carry around a physical ID. It guarantees the safety of your personal information using various biometric devices, such as fingerprint software for PCs, facial recognition software, etc. Please feel confident checking your Aadhar card details using your name and date of birth. Read 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

How Important is Linking Aadhaar to PAN?

Linking your PAN card and Aadhaar card is required for every monetary transaction above Rs. 50,000. Similarly, your income tax return cannot be finalised without linking your Aadhaar number to your Permanent Account Number (PAN). The government has made the process of linking a PAN card with an Aadhaar card quick and easy. You can now register for this service till March 31, 2023. However, this process now costs Rs. 1,000. The Income Tax Department issues the PAN card, a unique tax identification number. This PAN is necessary for several processes, including filing IT returns and carrying out tasks like creating bank accounts, buying property and jewellery, taking loans, opening Demat accounts, etc. Aadhar is a recently introduced identity card that the UIDAI has aimed to give every Indian citizen. It is biometric-enabled and hence, more secure. [B-01] Linking Your Aadhaar Number to Your PAN Card Online To link your Aadhaar card to your PAN card, you will need to create a username and password. You will also need to register on the Income Tax website. To begin the process, log on to the income tax website (www.incometaxindia.org) by entering your username and password. Next, enter your PAN card number. Within the protected portion of your Income Tax site, you will find a field to enter your Aadhaar number and PAN number to link them together. There is no need for any paperwork as the verification process is done entirely digitally. To avoid delays, make sure that the name on your Aadhaar card is the same as the one on your PAN card. If that is not the case, you can run into issues while trying to link your Aadhaar card and PAN card in the cloud. It is common for names to be mismatched, but now there is a new service to help fix this. A person’s name can sometimes appear differently on two papers. For example, some people only use their initials. The documents can still be linked using other identifying data such as the same birth date or mobile phone number. The Aadhaar Card and the PAN card are linked once the department sends a One Time Password (OTP) for verification. You may now establish a connection between the two records using the short message service (SMS). Reasons to Link Your PAN Number and Aadhaar Number A fraud-preventing audit trail By linking Aadhaar and PAN numbers, the government will have a paper trail to follow. The income tax department benefits from the link because the Aadhaar card is now needed for all digital transactions. As there is no paper trail to follow, many illegal funds enter the market. This helps the government catch people who have been evading taxes. Due to a greater adoption rate for Aadhaar cards than PAN cards, the government’s base has also increased. This is vital for sealing any potential holes in the budget. In this way, it is now easier to identify tax cheats using fake PAN cards. Identifying a multitude of PAN cards By filing for several PAN cards, a firm can use separate cards for various financial operations and pay the taxes related to those activities. They also use some of the PAN cards to hide accounts or transactions from the income tax department. The government claims that one of the most common ways by which people avoid paying taxes is by dividing their income among several false PAN cards. However, this practice will become extremely difficult once the PAN card system is revamped. This practice solves another major tax gap for the government. Thanks to the link between the PAN and Aadhaar cards, the government can verify a person’s identity using the Aadhaar card and keep track of all financial transactions made using that PAN card. As soon as various PAN cards are issued to the same person, the government can check and take quick action. Gain for the average taxpayer Everyone will have to pay taxes when PAN and Aadhaar are connected. Once tax evasion is curbed, the government will be able to grow its income base. This will further allow the government to lower tax rates that benefit people. The PAN-Aadhar link can be quite useful as it would do away with the need for tiring steps like sending receipts to the IT department or using an e-signature. By using Aadhaar e-verification, the process would be carried out routinely. Facilitated tax return filing Taxpayers have always needed their PAN cards to file taxes. Going forward, they must also have their Aadhaar number handy. Online tax returns will now be much easier for people. It is possible to use the OTP given to your Aadhaar-linked mobile phone number to verify the authenticity of your returns (ITR-V). [B-02] Conclusion By the end of March 2023, the government plans to cancel all PAN cards that have not been linked to Aadhaar. Multiple PAN cards given to the same person can be avoided by linking PAN with the Aadhaar number. If your Permanent Account Number (PAN) is not linked with your Aadhaar number, your income tax return form will not be completed. The citizen will be given a detailed summary of his tax duties. If you need more assistance with understanding the process of linking your Aadhaar with your PAN, visit Piramal Finance. This online platform is what you need to learn everything about relevant developments and processes in the world of finance. For more information on financial matters or about personal loans, credit cards, and financial management, check out the blogs on their website!
08-11-2023
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Home

All in One: The Best Sony Home Theatre Price in August 2022

With Sony Home Theatre, you get crystal-clear and natural sound quality. While listening to music, viewing movies, playing games, or watching other entertainment programs, have fun with the immersive surround sound. Whether you are planning to get a Sony Home Theatre Price from 5000 to 10000 or a little pricey product, you will surely have a great time with it. Enjoy the sound quality of the Sony Home Theatre system and lose yourself in the surreal moment at home. Every time you watch your favorite movies in the comfort of your home, take pleasure in flawless sound quality and a gratifying experience akin to going to the theater. Sit back and relax while watching your favorite TV shows, movies, or sporting events to fully appreciate this lovely experience. Here is the list of the best Sony Home Theatres with their price. [B-01] 1. Sony HT-IV300 Real 5.1ch Dolby Digital DTH Home Theatre System You can enjoy music, manage playlists, and pair your device with this Bluetooth-enabled home theatre system. Your home can become your personal theatre, thanks to the 1000W output and 5.1 channel surround sound. The sleek and space-saving design is 40% smaller than a typical home theatre system. So, it takes up less room. It is currently one of the smallest home theatres. Enjoy clear, detailed audio at home. You can watch your favourite Blu-ray discs and stream movies with DTS-HD Master Audio. You can hear the original, uncompressed soundtracks in their best quality. Key Features: Outstanding Detail with 4K Ultra HD Miracast Football Mode Dolby Prologic Technology Digital Music Enhancer Dolby TrueHD for sound ProsConsClearAudio+No direct setting to tune treble or bass levelS-Master Digital Amplifier 5.1 Channel Cinematic Surround Sound Sony Home Theater Price: Rs. 22,900 2. Sony DAV-DZ350 Real 5.1ch Dolby Digital DVD Home Theatre System With Dolby Digital surround, you can experience movie theater-like surround sound. To fully immerse yourself in your favorite movies, you get six discrete audio channels. This home theatre system also includes a subwoofer to let you feel the sound effects of low frequencies. All you have to do is play sounds, and you will find effects behind and in front of you. With the HDMI output, you can easily share, playback, and view your movies in full resolution. High-definition video and sound are easily merged with a single HDMI connection. Key Features: Built-in microphone ‎Floor Standing BRAVIA Sync for Unified Control Plug and Play with USB Playback Easy TV Viewing via a Single HDMI Cable ProsConsKaraoke Feature Does not support mkv and mp4 video formatsDolby Digital Wireless Streaming Sony Home Theater Price: Rs. 20,989 3. Sony BDV-E3200 Real 5.1ch Dolby Digital Blu-ray Home Theatre System Use Bluetooth to stream your favourite music and apps wirelessly. You can enjoy your music on this Bluetooth-enabled home theatre system by pairing your smartphone or tablet with it. Enjoying the music time will be made simpler with the BDV-innovative E3200’s ClearAudio+ technology. When you watch your favourite episodes and movies, you can experience a more immersive sound. Do not waste time hunting for the proper sound mode. The device automatically converts to 5.1 channel audio from stereo audio. You will feel right in the thick of the action with 3D movies in high HD (1080p). With your home theatre system, enjoy 3D videos in their entirety. Key Features: Football Mode Dolby TrueHD Rich surround from DTS-HD S-Master Digital Amplifier ClearAudio+ ProsConsBuilt-in Wi-FiWeak bassStunning 3D in Full 1080p HD NFC One Touch and Bluetooth Listening Sony Home Theater Price: Rs. 26,499 4. Sony HT-S700RF Real 5.1ch Dolby Digital Tallboy Soundbar Home Theatre System In this home theatre system, a realistic 5.1-channel surround sound cinema experience is created by a 3-channel soundbar and subwoofer. It has two potent tallboy rear speakers. The new diamond-shaped speaker grill design increases the aperture ratio to produce more sound pressure. The 1000-watt output from high-volume boxes gives a loud and clear sound. Both sound bars and tall boy speakers produce loud sound pressure to help you feel the music. Your favourite songs will sound clearer with the 20 cm larger subwoofer unit. Key Features: Front and Rear Tweeters Powerful Bass Tall-Boy Speakers Easy Setup Multi Connectivity Options ProsConsSubwooferClumsy wire set-upDedicated Bass control Immersive 5.1 surround sound experience Sony Home Theater Price: Rs. 53,990 5. Sony HT-RT3 Real 5.1ch Dolby Digital Soundbar Home Theatre System You can feel every action scene come to life around you, thanks to the combination of a thin soundbar, two back speakers, and an additional subwoofer in this theatre system. It gives more body to your bass. Wired connections and labor-intensive setup procedures are no longer necessary because of its NFC (Near Field Communication) technology. You get HT-RT3 ready for use. Get real surround sound for your video games, movies, and sporting events. To enjoy premium Dolby Digital surround sound, connect your TV, DVD player, or Blu-ray Disc player with an optical cable. Key Features: Optical Inputs HDMI ARC Output Amazing sound quality One-touch Listening Quick set up ProsConsGood surround effectLow rear sound volumeFlawless Bluetooth connectivity Supports 5.1 channel output Sony Home Theater Price: Rs. 24,990 [B-02] Final Words Be confident when you have to select from among the best Sony Home Theaters. All the products listed above are among the top home theatre systems for 2022. When there are so many incredible options available, it can be difficult to pick just one. Not sure how to pay the Sony Home Theatre price? Get in touch with Piramal Finance for quick financial aid like a personal loan.
08-11-2023
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Home

Best power inverter for home use in 2022

When the power goes out, there is complete darkness, with nothing working except battery-based devices. Most people work from home now. So, no electricity can hurt their work and productivity. Due to this reason, getting the best inverter is necessary. If you search on the internet, you will find various power inverters. This makes finding the best inverter pretty difficult. We have rounded up some of the best inverters you can have for your home. [B-01] 4 best power inverters for home use in 2022 1. Luminous Zelio+ 1100 home UPS inverter – Best overall Rated with 4 stars, the Luminous Zeilo+ inverter is one of the best products on your home appliances list. The LED display shows the temperature. The power backup status makes it easy to use. It has automatic temperature control, so the inverter does not overheat. So, it also protects the internal electrical circuits from sparks and short circuits. It also has excellent protection against deep power discharge. Also, it saves from overloading. It also operates without much sound. So, it keeps the home calm and helps you relax. It has a total capacity of 900 VA. It is enough to power up most appliances at your home. It also ensures the connected electrical appliances stay safe for the longest time. Specifications: Voltage: 220-230 Volts Weight: 10.6 Kg Technology: Pure sine wave Backup time: 8 hours Frequency: 50 Hz ProsConsHighly affordable inverterNot robust enoughDurable productLED display screen for easy visibility Price: INR 5,899 2. Exide Technologies Majic 825 home inverter – Automated charging The Exide Technologies 825 inverter features Dual Stage Intelligence ASIC technology. Due to this, the inverter can sense the battery’s low power levels and can charge the battery on its own. As a result, the inverter works without consuming too much battery power. You can power many rooms in your house. Also, this inverter can work well when the voltage is low. At this stage, it will not cause power discharge or short circuits. Specifications: Voltage: 100-290 Volts Weight: 8.3 Kg Technology: Dual Stage Intelligence ASIC Charging Backup time: 8 hours Frequency: 50 Hz ProsConsSleek designMakes slight soundsSupports low input voltageOptimises battery power Price: INR 3,500 3. Microtek Hybrid HB 1125 power inverter – Small and compact Microtek Hybrid HB is the best inverter for small families. It has two operating voltage ranges. Thus, it can power up most appliances in your house. Its operating voltage bandwidth is 100 volts and 300 volts. This inverter has Intelli Pure Sine Wave Technology. It will not create much sound or vibration. It also keeps the external load circuit safe from electrical accidents. So, you would not suffer from deep discharge and overloading. It charges the battery at a rate of 10% and offers a backup time of 3 hours so you can continue your work. Specifications: Voltage: 260 Volts Weight: 11.4 Kg Technology: Intelli Pure Sine Wave Technology Backup time: 3 hours Frequency: 50 Hz ProsConsClassic constructionBackup time is less durableDurable and long-lastingSupports two input voltage range Price: INR 4,515 4. Genus Challenger 1100 power home inverter – Excellent performance Searching for another powerful inverter in your home appliances list? The Genus Challenger 1100 can be a great choice. It has an energy star rating of 4. So, it can save more power and reduce the electrical energy consumed. It has ASIC technology, which helps it sense the current battery power and initiate charging. So the battery won’t die, and you won’t have to jumpstart it. This technology also improves battery performance. It has ASIC technology. The SINE wave technology reduces the noise. Thus, you can work in a peaceful and calm place. The technology protects the internal circuit in the inverter. Also, it takes care of the external load circuit. It comes with Affluent DFP, which offers an output power matching the grid output. Thus, it ensures the current flowing in the circuit is best. This product features the best battery technology. It will revive the battery even if it is dead. It has four different battery charging modes for great performance. It also bears the IS certification. Thus, it will keep you and everyone present inside safe and sound. Specifications: Voltage: 110 Volts Weight: 9.15 Kg Technology: Intelli Pure Sine Wave Technology ProsConsExcellent powerNot suitable for a small homeSenses battery charge automaticallyMatches power output with grid rating Price: INR 4,755 How to get the best inverter for your home in 2022? It isn’t easy to get the best inverter when you have many options. Here is how to do it: Check the capacity and voltage rating of the power inverter. This will determine the total load it can handle in the external circuit. Check the battery charging modes. Ensure the optimal charging and discharging cycle. For instance, the charging part of the cycle should be steeper for fast battery charge. But, the discharge cycle should be flatter. Ensure the inverter comes with sine wave technology. It increases overall efficiency and reduces noise and vibrations. [B-02] Conclusion This guide has walked you through the top four inverters you can have for your home. You must study the specs and ensure all the features match your requirements. After all, you need the best inverter for your home use that can perform well. Visit Piramal Finance’s website for financial aid, such as a personal loan, and purchase the best inverter in the market today.
08-11-2023
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Electronics

The Best Laptops Under Rs. 30000 In India

Want to buy a laptop but don’t know which one to opt for? Learn about the best laptops in India, including detailed descriptions of their specifications, prices, advantages, disadvantages, and more. To save you time, we’ve narrowed down your options to the top laptops under Rs. 30,000 that deliver on performance and user satisfaction. Choosing a low-cost laptop that meets all of your needs is a challenge. You should choose a laptop that is both powerful and flexible enough to handle your essential requirements with ease. You may feel overwhelmed by the variety of options available to you on the internet since many different companies provide excellent laptops under Rs.30,000. Different sizes, major features, and purposes distinguish these portable computers. Below, we have curated a list of the best laptops in India that can be purchased for less than Rs. 30000. [B-01] Best Laptops Under 30,000 Highlights Here are our top recommendations for the best laptops under Rs. 30,000 in India: Asus VivoBook 15: Rs. 25,990 The Best Laptops Under Rs. 30,000 in India Want to buy a laptop but don’t know which one to opt for? Learn about the best laptops in India, including detailed descriptions of their specifications, prices, advantages, disadvantages, and more. To save you time, we’ve narrowed down your options to the top laptops under Rs. 30,000 that deliver on performance and user satisfaction. Choosing a low-cost laptop that meets all of your needs is a challenge. You should choose a laptop that is both powerful and flexible enough to handle your essential requirements with ease. You may feel overwhelmed by the variety of options available to you on the internet since many different companies provide excellent laptops under Rs. 30,000. Different sizes, major features, and purposes distinguish these portable computers. Below, we have curated a list of the best laptops in India that can be purchased for less than Rs. 30,000. Best Laptops Under Rs. 30,000 Highlights Here are our top recommendations for the best laptops under Rs. 30,000 in India: Asus VivoBook 15: Rs. 25,990 If you’re looking for a high-quality laptop under Rs. 30,000, the ASUS VivoBook 15 is perfect for you. Owing to its fast processor, large storage capacity, and high-definition screen, it’s perfect for general use. It is also quite lightweight and thin, making it easy to transport. Specifications: Processor: Celeron N4020 Battery Life: Up to 6 hours Configuration: 4 GB/256 GB SSD CPU Speed: 2.8 GHz Screen size: 15.6″ OS: Windows 11 Home ProsConsThin and lightweightThere is no optical disc driveIncludes a 15.60-inch (39.62 cm) screen Capacity: 256 GB on an M.2 PCIe-based NVMe SSD Compatible with Windows 11 Home Power lasts for up to 6 hours Dell Inspiron 3567: Rs. 29,990 The 15.60-inch Dell Inspiron 3567 features Windows 10. A 6th-generation Intel Core i3 CPU running at 2 GHz provides the necessary processing capability. Also, it has 8 GB of RAM, a 1 TB hard drive, and graphics powered by Intel’s HD Graphics 520. This laptop is perfect for college students’ daily tasks in relation to presentations and documents. Specifications: Processor: Core i3 Battery Life: Up to 6 hours RAM: 4 GB HDD: 1 TB CPU Speed: 2.8 GHz Screen size: 15.60 inches OS: Windows 10 ProsConsVery high processing speed without any heat issues.Lack of keyboard backlight HD video recording Slightly more substantialFast chargingNo DVD player Conveniently sized touchpad and spacious, well-designed keyboard Quality construction and a modern appearance. Lenovo Ideapad V15: Rs. 29,790 The laptop has in-built AMD Radeon graphics, which can handle intensive 3D tasks at high resolution. These advanced features are the engine that keeps some serious applications running smoothly. The 5.5-hour battery life of this commercial-grade laptop is courtesy of Windows 10, which is preinstalled on the machine. In addition to its 180-degree hinge, this laptop’s spill-resistant keyboard is a significant feature. Specifications: Processor: AMD Athlon Silver 3050U Processor RAM: 4 GB HDD: 1 TB CPU Speed: 2.3 to 3.2 GHz Screen size: 15.6 inches (39.62 cm) OS: Windows 10 Display Type:LCD FHD screen ProsConsSuperb picture quality, HD LED screen formatThe battery life of the laptop could have been betterA sturdy and reliable business laptopLimited connectivity optionsIncredible sound HP Chromebook: Rs. 29,999 This is one of the finest budget laptops in India under Rs 30,000. It features an 11.6-inch (29.5 cm) screen with a MediaTek MTK Kompanio CPU. The laptop supports quick charging and has an in-built Google Assistant. If you need a cheap yet efficient laptop, the HP Chromebook 11a will be a good choice. Specifications: Processor: Celeron RAM: 4 GB Screen size: 14 inches OS: Chrome OS ProsConsHigh-definition quality screeningNo backlit keyboardExcellent performance In-built Google Assistant Facilitate rapid charging Easy to carry and transport Acer Inspire 3: Rs. 28,990 The Acer Aspire 3 is a slim and light laptop with 1 TB of storage and 4 GB of RAM. High-contrast, ultra-bright images burst forth from its large LCD display. To be honest, we’re not big fans of the one-piece touchpad, but everything else about this laptop is impressive, especially the specs and Geekbench ratings. The laptop’s ergonomic design and thin profile are also major selling points. Specifications: Processor: Core i5 RAM: 4 GB/ HDD: 1 TB CPU Speed: 3.5 GHz Screen size: 15.6 inches (39.62 cm) OS: Linux Display Type:LCD FHD screen ProsConsQuick processing timesIntegrated touch screenDual internal stereo speakersThe battery life is subpar.Minimalist and elegant styleNo optical disc drive [B-02] Conclusion The best laptops under Rs. 30,000 listed above are high-performing yet affordable, providing nearly all the features you might want on a laptop at this price point. When shopping online for a high-quality laptop for around Rs. 30,000, it’s helpful to have a list of criteria handy, like the ideal display size, the features you absolutely must have, and more. This will help you zero in on the specific products you need and make an informed purchase decision. You can visit Piramal Finance’s website to get an insight into their easy financial solutions, such as credit cards, personal loans, EMIs, and more.
08-11-2023
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Electronics

Buy the Latest Portable AC Online in India

A portable air conditioner can make your life easy by providing an affordable and effective cooling solution that you can easily shift as required. It offers higher convenience and mobility compared to window ACs or split ACs, but also has some drawbacks. So, you must know the pros and cons of portable ACs before deciding how much you want to invest and what features you should prefer. We will help you with this by discussing the benefits and limitations of portable ACs, followed by a list of the top 5 portable ACs that you can easily buy online now. Moreover, we will do an in-depth analysis of the features and pricing of these top 5 options to ensure you get the best value for your money. Let’s begin! [B-01] The Pros and Cons of Portable ACs Portable ACs are gaining high popularity due to the unique benefits that they offer over other cooling options. Here are some key advantages of portable ACs- 1. Mobility The main attraction of portable ACs is right in their name. They are portable and can be carried around easily, as they come with convenient handles or wheels. Of course, fans are even more portable than any portable AC, but they fall short in terms of providing effective cooling. 2. Easy setup Setting up a portable AC is one person’s job and takes only a few minutes. You require no specialized knowledge to set it up. 3. Low space requirement A portable AC is perfect for you if you live in a small room or rental apartment, as it requires very little space. It can also be shifted, placed, and stored easily. So, you can remove it easily when not in use, so it does not clutter your living space. 4. Cost-effective Portable ACs are very cost-effective compared to fans and full-scale ACs. This is because they provide high cooling at much lower purchase, maintenance, and operational costs. Fans may be cheaper, but they come nowhere close with regard to cooling effectiveness! Here are some of the problems with portable air conditioners that you should think about before you pull out your wallet: 1. They are noisy Because the compressor is inside the portable AC, it is noisier than both fans and fixed ACs. In fixed ACs, the compressor is outside the unit. 2. Tough water management Fixed air conditioners catch the air moisture and discard it through the external unit or in-built drainage. However, portable ACs usually collect the water in a tray, which must be regularly emptied. 3. Placement issues Portable ACs must be kept close to an electric outlet as they operate on electricity. They also must be close to a window or opening to set out the exhaust pipe. These two factors reduce the possible placement areas for the AC. 4. Lower effectiveness than fixed ACs Portable ACs usually have less cooling power than fixed ACs. In larger rooms, they may use even more electricity than a window AC to provide the same cooling. This makes their cost-effectiveness during operations debatable. While there are a few downsides, the unique benefits of a portable AC make it your best bet if you want a mobile and compact cooling solution that is also affordable and effective. The Top 5 Portable ACs Available Online in India Let us take a look at the best portable AC options available online so that you can choose the one best suited to your requirements: 1. Voltas Venture Slimline Tower AC (2 Ton and 3 Ton) This is a powerful AC that can cool a room up to 180 square feet in size within minutes. It is also very stylish, with a sleek look and a sparkling white body that will definitely make your space look chic and classy. But its weight and high price may make you think twice! The 2-ton variant of this AC is available on Amazon for Rs. 69,900, while the 3-ton variant costs Rs. 99,800. Pros: Provides quick cooling Low noise level High energy efficiency Has a 3-ton variant to cool large rooms Has an anti-bacterial coating In-built dehumidifier 1-year warranty on the product 5-year warranty on the compressor Cons: Expensive Heavy and difficult to move You can buy this product from Amazon here: https://amzn.eu/d/gmLx8Gt 2. Blue Star PC12DB Portable AC This portable Blue Star AC is one of the cheapest yet most effective 1-ton ACs that you can easily install. It also offers 4 specialised modes – Auto, Cool, Dry, and Heat. However, it is only intended for cooling small rooms and makes a lot of noise. This Blue Star AC costs only Rs. 32,000 and is one of the best-selling products of its kind on Amazon. Pros: Affordable 1-year warranty on the product 5-year warranty on the compressor Has wheels to easily move the AC Light-weight and easy to install Has an anti-bacterial silver coating Cools small or medium-sized rooms quickly Different modes for the user’s ease Cons: A little loud Only for small rooms up to 90 square feet May consume relatively higher electricity You can buy this product from Amazon here: https://amzn.eu/d/1TECKjo 3. Midea MAP12S1CWT Portable AC This powerful AC, dehumidifier, and fan combo offers cutting-edge features without compromising on mobility. Unlike most other options, it can be controlled by Alexa or your smartphone! This WiFi-enabled AC is also exceptionally stylish, with a premium look and feel. The Midea 1-ton portable AC costs a hefty sum of Rs. 1,37,941. But it is worth every penny if you are looking for the most technologically advanced and convenient alternative. Pros: Huge cooling capacity, going up to 270 square feet Stylish and elegant look Light-weight Easy installation Dehumidifier included Includes an air filter Smart AC that is WiFi-enabled and voice-controlled Cons: Very expensive Noisy You can buy this product from Amazon here: https://amzn.eu/d/hSo668o 4. Croma CRAC1201 Portable AC CROMA CRAC1201 is a 1.5-ton portable AC that can function as an AC, humidifier, and fan. It also offers high convenience due to its low weight, high mobility, and no-drip technology. It also has 4 modes – Auto, Sleep, Dry, and Cool which ensure the best user experience in all conditions. This product is available on Amazon at around Rs. 45,000, which makes it a good option cost-wise. However, it is relatively noisy and has a short warranty period. Pros: No-drip technology Easily movable Multiple cooling modes Different modes for better cooling in all conditions Swing feature to cool large areas evenly Cons: Only 1 year of warranty Poor reviews about service Noisy Not very energy efficient You can buy this product from Amazon here: https://amzn.eu/d/h3E1Vlt 5. Cruise ‎CPCATF-PQ3S12 Portable AC This 1-ton AC is a decent option if you are looking for a convenient and easily movable portable AC at a low price. It cools wide areas quickly and even doubles up as a dehumidifier and an air purifier. What’s more? It also has a smart control panel and an automatic water evaporation system for a premium user experience. It is also very affordable, costing around Rs. 28,000 on Amazon. However, it is noisy and not very efficient. Pros: Inexpensive Anti-bacterial coating 120-degree air swing Easy to move Castor wheels for easy movement Smart control panel Auto-evaporation of collected water 1-year warranty on the product 5-year warranty on the compressor Cons: Not very energy efficient Noisy You can buy this product from Amazon here: https://amzn.eu/d/0XHMacQ [B-02] Conclusion This article went over the pros and cons of portable air conditioners and then went over the best ones so you don’t have to guess what to buy. We saw that portable ACs are a great option when there is a budget cap, restricted space, or if you prefer high mobility. Moreover, we found the best five options, each of which has unique benefits and limitations. Now, it’s your call! Go ahead and buy the best portable AC with these tips in mind, and stay cool! If you need help with finances, you can always take the help of experts such as Piramal Finance to help you find the best solutions to finance your purchase, such as personal loans or credit cards. Visit the website to know more.
08-11-2023
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Education

How to Download E-PAN Card Online - A Step-By-Step Guide

A Permanent Account Number (PAN) is a 10-digit alpha-numeric number. It is a unique identification number for all Indian citizens that stores all their tax information. The Income Tax Department has made it possible for us to download the E-PAN card. You can easily access this PAN card at your will. The E-PAN card is used in the same way that a physical PAN card is used. It contains all your PAN card details. You can make financial transactions with the help of an E-PAN card. Remembering your PAN card number and entering your correct PAN card details is crucial. What is an E-PAN card? An E-PAN card is an electronic PAN card. Usually, an E-PAN card is provided to first-time taxpayers. If you hold a physical PAN card, you can also opt to receive an E-PAN card. You may note the following features: E-Pan is available free of cost for a limited period You can receive an E-PAN card as an individual. E-PAN cards are not available for organisations, HUFs, trusts, organisations and businesses An Aadhaar card is used to generate the E-PAN card Eligibility for Receiving an E-PAN card You must be an Indian citizen You must be an individual and hold a valid Aadhaar card Your mobile phone number should be linked to your Aadhaar card What Details Does a PAN Card Hold? PAN card details include the following:- Your name, date of birth and other personal details QR codes Your digitally scanned picture and signature Your father’s name Your gender How to Apply for an E-PAN Card? If you already hold a physical PAN card, your PAN card details are available online on various websites. Steps to follow for first-time applicants: If you do not already have a physical PAN card, you can apply for an E-PAN card on the UTIISL or the NSDL website. Please follow these outlined steps:- Fill out your application form Attach relevant documents to verify your identity and address Submit the completed form You will be given the option to choose a physical PAN or an E-PAN Select the E-PAN option If you apply for an E-PAN with online KYC and electronic signature, the application fee is Rs 66. For a physical PAN, the fee is Rs 72 Once you have submitted the documents, you need to pay the fees online Once the process is complete, the E-PAN will be sent to your email address within 10-15 days in a PDF format A Guide to Download the E-PAN Card from Various Websites You can download your E-PAN card from various websites, like the UTIISL website, NSDL portal or the Income Tax Department website. UTIISL Website To download the E-PAN card from the UTIISL site, you may follow the steps given below: Go to the UTIISL website. Select ‘Apply for PAN card’ Download E-PAN card Fill up the required details such as your name, date of birth, gender, father’s name, Aadhaar Card number, etc Upload your scanned signature and photo A one-time-password (OTP) will be sent to your registered email address and phone number Enter the OTP You can now download the E-PAN Card (https://www.pan.utiitsl.com/PAN_ONLINE/ePANCard) NSDL Portal There are two options to download E-PAN from the NSDL portal, by using an acknowledgement number or a PAN number. (onlineservices.nsdl.com/paam/requestAndDownloadEPAN.html) Acknowledgment number Enter the acknowledgement number which is valid for 30 days Enter your date of birth Enter the captcha code Click on ‘submit’ You will receive a one-time-password on your email address or mobile phone Enter the OTP and download your E-PAN card PAN Enter PAN and Aadhaar number Provide your date of birth If you have a GST number, the same can also be added Read the declaration and click ‘submit’ Tick all the guidelines and enter the captcha code Click on ‘submit’ Enter the OTP which is sent to the registered email address or mobile number Download the E-PAN card Downloading the E-PAN card from the Income Tax website Log in to the Income Tax department e-filing portal (https://eportal.incometax.gov.in/iec/foservices/#/login) Click on ‘Instant E-PAN’ at the bottom of the screen Click on ‘Get New E-PAN card’ Enter your Aadhaar card number and follow the instructions Enter all the required details Enter the OTP and confirm your details Download your E-PAN card The E-PAN card can be downloaded for free for 30 days after applying. Post 30 days, you have to pay an application fee. If your mobile number is linked with your Aadhaar card, then you can download your E-PAN number using your date of birth and your Aadhaar number. Getting your E-PAN card in certain contingent events If you have lost your PAN card but remember the number, you can get a duplicate PAN card from the NSDL or UTIISL website. UTIISL provides a coupon number to download a duplicate PAN card. NSDL provides an acknowledgment number with which you can download your copy. If you don’t have a PAN card reference, you can download your PAN card from the “Know Your PAN” facility on the Income Tax department website. Your E-PAN cannot be downloaded from any mobile app. Free downloads of E-PAN cards are allowed for the first 30 days. After that, a fee of Rs 8.26 per download is charged. [B-02] Key Takeaways E-PAN card has the same features and advantages as a physical PAN card. It can be used for tax purposes, banking and making any other financial investment. An E-PAN card is convenient and easy to use. As PAN cards are mandatory, we should complete all the formalities for acquiring an E-PAN card at the earliest. If you need more assistance with understanding the above-mentioned processes, consult the experts at Piramal Finance. This online platform is what you need to learn everything about relevant developments and processes in the world of finance. For more information on financial matters or about personal loans, credit cards, and financial management, check out the blogs on their website!
08-11-2023
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