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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

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

Electronics

The Samsung 32-inch LED Smart TV Price in India

Samsung Led Tv 32 Inch Price In India Besides transforming our lives, technology has also changed our perspectives. We used LCD TV before LEDs. They offered terrific home theatre experiences and excellent picture quality. Samsung is the largest TV maker in the world, with a market share of close to 26%. Samsung TVs are available at a variety of price points, from low to high. Samsung is the industry leader in TVs. Its attractive designs, adaptable models, modern technologies, and high level of construction make it the best. [B-01] You can pick from a wide range of resolutions. For instance, QLED, the frame, SUHD, UHD, Full-HD, and HD. This decision can be made as per your budget and personal tastes. The most recent smart TV from Samsung has several features and is a 32-inch LED TV with Full HD resolution. The Samsung Led Tv 32 Inch Price, is competitive and has excellent functionality. Overview of Samsung 32 inch LED TV Before understanding the price, let’s learn more about the essential features of Samsung 32 inch LED TV in India. The main features of the 32-inch Full HD Samsung Smart LED TV are three HDMI ports, two USB ports, built-in wifi, and a speaker output RMS of 20 watts. This TV comes with Tizen operating system and has a Refresh Rate (Hz) of 100. The power consumption is limited to 75 watts (standby). 1. Design A TV’s design is one of the first things you notice, and this one has a sleek and sophisticated appearance. The Samsung 32 inch HD Ready LED Smart TV gives a clear picture with its thin bezels. This innovative product from Samsung raises the bar because of its limitless design and simple construction. Attractive 32 inch Full HD Samsung display The Samsung 32K5570 LED Smart TV provides you with a striking display resolution of 1920 x 1080 pixels. This gives exceptionally natural and attractive colour clarity. Its characteristics include an actual picture engine with excellent colour enhancement, a touch remote, a core CPU, a 75W power consumption rating, two USB ports, three HDMI ports, and more. 3. Image and Sound Clarity The Samsung 32-inch TV offers you the most significant audio experience. It has DTS code sound and two-channel speakers. Additionally, it has Dolby Digital Plus audio, known for producing loud and clear audio for music and movies. It has a strong picture engine that evokes images of high quality and colour accuracy. 400 PQI was supported for clarity and contrast related to performance. Wifi connectivity You can also share music, images, and videos from those devices on a large screen. Due to the device’s potent quad-core processor and Tizen OS, web browsing and sharing complete various tasks quickly. It can produce even very fast-moving images with natural clarity because of backlight technology and a 60 Hz moving rate. 5. The best display for watching This Samsung LED TV’s smooth and robust VNB Bezel type design will be the perfect finishing touch for the opulent living area.The black surface of this 32-inch Samsung TV makes it ideal for any setting. You can enjoy crisp images with an intensified colour display and high contrast. Its design makes it easier for you to mount it on the wall. On the 80cm LED display of the 32-inch Samsung LED TV, which has a 1920×1080 x 1080 pixel resolution, you may enjoy excellent picture quality. The clarity of the images on screens creates a more realistic appearance with more organic hues. The ability to network and share quickly You can now access images, music, movies, and more using your Samsung 32-inch Full HD LED TV. Pricing list of Samsung Led Tv 32 Inch in India SAMSUNG 80 cm (32 inches) HD Ready LED TV (32J4003) The SAMSUNG 80 cm (32 inch) HD Ready LED TV (32J4003) is priced at Rs. 14,000 in India. It differs on various e-commerce platforms. This 32 inch Samsung Series 4 TV set is made to improve your TV-viewing experience. It features two 10W loudspeakers and a crisp HD screen resolution. Measures for anti-lightning, anti-surge, and anti-humidity have been incorporated to assure its absolute protection. With this Samsung TV, the Wide Color Enhancer technology makes the picture more beautiful and clear. This TV has a 1366 x 768 HD Ready resolution, which is adequate for a cinematic experience. Price of 32 Inch HD-Ready Smart LED TV from Samsung in India The starting price for the 32 inch, HD-ready Samsung UA32T4380AK Smart LED TV is between Rs. 12000 and Rs. 13000. Online purchasing sites provide the Samsung UA32T4380AK 32 inch HD-ready Smart LED TV at the best price. Samsung 80 cm (32’) T4340 Smart HD TV The price for a Samsung 80 cm (32′) T4340 Smart HD TV begins at Rs. 16,990. In this digital age, enjoy HD TV. You’ll never want to watch TV in standard mode again once you’ve experienced full HD with its clear and bright features. This TV has amazing visuals, and colours and details, even in dimly lit scenarios. It is because of the high-dynamic range, which boosts your experience. Samsung UA32TE40AAK 32-inch HD Ready LED TV The lowest price in India for the Samsung UA32TE40AAK 32-inch HD Ready LED Tizen Smart TV with Alexa compatibility is Rs. 15,490. It is another good option to go for if you want to buy a Samsung 32 inch TV. Samsung UA32T4010AR 32-inch HD Ready LED TV The SAMSUNG Series 32-inch HD Ready LED TV with Hyper Real Picture Engine is priced at Rs. 12,980 in India. [B-02] Final words This Samsung 32 inch LED TV is available in India at a reasonable price. It provides you with a rich and exceptional viewing experience thanks to its superb picture quality and apparent sound effect. If you are looking to finance your purchase, you can always turn to Piramal Finance for financing. Piramal Finance offers great financing options, such as personal loans, EMIs, and credit cards, for shoppers looking for Samsung LED TVs and other appliances. To learn more about Piramal Finance’s offerings, visit the website.

08-11-2023

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

Electronics

Dell Laptops Between Rs. 20,000 and 40,000

Buying a laptop can be an overwhelming task, especially if an individual is completely unaware of the different features that a laptop must have. Additionally, there are a good number of options on the market with various processors, storage capacities, displays, screen types, and other features, making the task even more difficult. [B-01] Are you looking for the best Dell laptops under a reasonable budget of between Rs. 20,000 and 40,000? But are you unable to figure out which one would be the best purchase? Keep reading this article to find the latest Dell laptops that come under your budget and learn all their specifications, pros, cons, and more. 1. Dell Inspiron 15 3000 Pentium Quad Core Dell’s Inspiron 15 3000 Pentium Quad Core by is an all-rounder laptop that almost tops the list of one of the best Dell Laptop Under 20000. It is the perfect laptop for multitasking and processing and features four powerful battery cells for longer use. Processed by Intel, this laptop features 4 GB RAM storage, a 1366 x 768-pixel screen resolution, an HDMI Port, and 2 USB 2.0 and 1 USB 3.0 ports. Specifications Display: 15.6 inches HD LED Backlit Display Processor Name: Pentium Quad Core RAM: 4 GB Storage: 500 GB Web Camera: HD Webcam Antivirus: McAfee eCard Screen Type: HD LED Backlit Display Dimensions: 380 x 260 x 21.7 mm Operating System: Windows 10 Home Pros Cons Pre-installed anti-virus No MS Office provided Excellent built quality No SSD available Stays cool even after long usage Average sound output Dell Laptop Price: Rs. 22,890 2. Dell Athlon Dual Core 3050U The Dell Athlon Dual Core 3050U laptop is another good purchase that is lightweight, without an optical disk drive. Its 15.6-inch HD WVA AG narrow border offers convenient usage. It is a portable laptop, easy to carry to work, play, and study centres. What’s more? It comes with a 7-hour battery backup, 256 GB SSD capacity, HD webcam, and a 1-year onsite hardware service warranty, making it one of the best Dell Laptop Under 30000 prices. Specifications Display: 15.6 inches Processor Name: Athlon Dual Core RAM: 8 GB Storage: 256 GB Web Camera: HD Webcam Antivirus: Not available Screen Type: HD WVA AG Narrow Border Dimensions: 358 x 235 x 18.9 mm Operating System: Windows 11 Home Pros Cons Light in weight No disk drive is available Standard keyboard for convenient typing Manufacturing defect warranty available Dell Laptop Price: Rs 32,690 3. Dell Inspiron Athlon Dual Core 3050U – Inspiron 3525 Notebook The Dell Inspiron 3525 laptop is ideal for everyday use and comes under a suitable Dell Laptop Price In India. It features a robust processor and a modern design. With 256 GB HDD storage, an excellent HD display of 15.6 inches, and three-side narrow borders, the laptop offers exceptional performance and high-quality visuals throughout its use. Specifications Display: 15.6 inches Processor Name: Athlon Dual Core RAM: 8 GB Storage: 256 GB Web Camera: HD Antivirus: Not Available Screen Type: HD AG Narrow Border Dimensions: 358 x 210 x 23.5 mm Operating System: Windows 11 Home Pros Cons Smooth keyboard Complaints of reduced performance Minimised low blue-light emission Integrated with ExpressCharge Dell Laptop Price: Rs. 30,840 4. Dell Vostro Ryzen 3 Dual CoreR3-3250U This Dell Laptop Price In India is a budget-friendly, stylish, and portable laptop with good features. Available in a stunning accent black colour, this laptop features a 10-hour battery life, making it suitable for everyday use. It comes with an in-built MS Office and a Windows 11 Home operating system, which makes office and college tasks complete faster. Specifications Display: 15.6 inches Processor Name: Ryzen 3 Dual Core RAM: 8 GB Storage: 1 TB Web Camera: HD Antivirus: Not available Screen Type: Full HD WVA AG Narrow Border Dimensions: 19.9 x 328 x 239 Operating System: Windows 11 Home Pros Cons High storage Complaints of slow performance after a while Light in weight Comes with in-built MS Office Dell Laptop Price: Rs. 32,890 5. Dell Inspiron Pentium Quad Core – Inspiron 3000 Thin and Light Laptop Here is another Dell laptop from the Inspiron series with a Pentium Quad Core processor. This laptop is a budget buy with 256 GB SSD capacity, 4 GB RAM, and up to 16 GB expandable memory. It is thin and light in weight, making it easy to carry anywhere. Also, this laptop comes pre-installed with the anti-virus McAfee, making the buyer stay away from the trouble of spending more money on anti-virus software. Specifications Display: 15.6 inches Processor Name: Pentium Quad Core RAM: 4 GB Storage: 256 GB Web Camera: HD Antivirus: McAfee Screen Type: HD AG Narrow Border Dimensions: 358 x 235 x 18.9 mm Operating System: Windows 11 Home Pros Cons It comes with pre-installed anti-virus The laptop may heat up quickly 1.1 GHz up to max turbo frequency at 3.1 GHz clock speed Light in weight and portable Dell Laptop Price: Rs. 35,900 Overall Best Dell Laptop When buying a laptop, an individual must check several factors that suit the requirements and their budget. Based on the list above, the best Dell laptop can be the Dell Athlon Dual Core 3050U. It is light in weight and features a 15.6 inches HD WVA AG narrow border, 7 hours of battery backup, and 256 GB SSD capacity. It is budget-friendly and is a Dell Laptop Under 30000 after adding the different online offers. [B-02] Final Takeaway You can buy the best Dell Laptop Under 20000 or Dell Laptop Under 30000 with different offers online. However, before choosing any Dell laptop, ensure that you check every specification and compare the different laptops. This will help you understand the features better and buy a Dell Laptop Price under your budget. Piramal Finance is one of the best financing solutions for shoppers looking for the best Dell Laptop Price In India from Rs. 20,000 to 40,000. 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

Education

How Do I Get My PAN Card Online?

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

08-11-2023

Personal Loan

Things to Do if Your Personal Loan Gets Rejected

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

08-11-2023

Personal Loan

Benefits of Taking a Personal Loan for Big Purchases

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

08-11-2023

Personal Loan

Is Personal Loan Interest Rate Negotiable?

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

08-11-2023