The Income Tax Department's TRACES (TDS Reconciliation Analysis and Correction Enabling System) a online platform created to simplify TDS (Tax Deducted at Source) management for both taxpayers and deductors. What can you do on TRACES? · Taxpayers: o View and download Form 26AS, a consolidated statement of your TDS deductions. o Request corrections to TDS/TCS (Tax Collected at Source) statements. o Check the status of challans (tax payment slips). o View the status of various tax statements. o Submit online refund requests. o Download consolidated TDS files, justification reports, and Forms 16 & 16A (for reference only). · TDS Decductors: (In addition to the above) o Submit correction statements for previously filed TDS returns. o Rectify errors in online challan (OLTAS) submissions. o Download justification reports containing details of errors or defaults identified by the Income Tax Department in your TDS statements. How to Register on TRACES · Taxpayers and PAOs (Paying Authorities): 1. Visit the TRACES website (https://contents.tdscpc.gov.in/) and click "Register as New User." 2. Enter your PAN details and other required information. 3. Verify your email address and phone number using the provided activation codes. · TDS Decductors: 1. Follow steps 1 & 2 above, but select "Deductor" as the user type during registration. 2. Upon successful registration, activation links and codes will be sent to your registered email and mobile number. How to Login to TRACES 1. Visit the TRACES login page (https://contents.tdscpc.gov.in/). 2. Enter your Login ID (usually your TIN) and password. 3. Click "Go" to access the TRACES portal. TRACES Justification Reports These reports detail any errors or defaults the Income Tax Department found while processing your TDS statement. The report details the discrepancies and helps you rectify them by filing correction statements and paying applicable interest/fees. You can also use the report to explain any discrepancies with the tax authorities. Generating TRACES Compliance Reports (for Taxpayers) This report highlights any defaults across all TANs (Tax Deduction and Collection Account Numbers) linked to your PAN. 1. Log in to TRACES as a taxpayer. 2. Click on the "Aggregated TDS Compliance" tab. 3. Choose the filter (based on default or financial year). 4. Click "Submit Request." 5. Download the corresponding Excel file from the "Requested Downloads" section under the "Downloads" menu. Requesting Resolution for Discrepancies TRACES offers a "Request for Resolution" feature to address TDS-related issues. 1. Log in to TRACES as a taxpayer. 2. Click on the "Request for Resolution" tab. 3. Select the relevant category and assessment year for your request. 4. Fill out the required details and submit your request. 5. You will receive a ticket number confirming successful submission. Checking Ticket Status TRACES allows you to track the progress of your raised requests through the following status options: · Open: The assessment officer reviews the request within a specified timeframe. · In Progress: You and the assessing officer have exchanged clarifications. · Clarification Asked: The tax authorities require further clarification. The ticket will be closed if no response is received within 30 days. · Request for Closure: Provide clarification and request closure. The ticket will be automatically closed if no action is taken within 30 days. By utilizing TRACES' functionalities, taxpayers and deductors can easily manage their TDS obligations, make sure they file on time, and clear any issues with the Income Tax Department.
What is Patta Chitta? In Tamil Nadu, India, Patta Chitta is a land record document. It combines information previously found in two separate documents: · Patta (Record of Rights): This document verifies land ownership and details like area, location, and survey information. · Chitta (Land Revenue Record): This document provides information about land classification (wetland or dryland) and tax details. Benefits of having a Combined Document Since 2015, the Tamil Nadu government has merged Patta and Chitta into a single TN Patta Chitta (ePatta) for easier access and management. This removes the need for separate documents. Information Included in Patta Chitta The TN Patta Chitta provides valuable details about a specific landholding, including: · Land owner's name · Patta number or account number · Survey number and sub-division details · District, Taluk, and village information · Land dimensions · Land tax details · Land type (Nanjai - wetland or Punjai - dryland) · Chitta ownership details Applying for Patta Chitta Online The Tamil Nadu government offers a simple online application process for Patta Chitta. 1. Visit the official Tamil Nadu Government e-Services website: https://eservices.tn.gov.in/ 2. Click on "View Patta & FMB/Chitta/TSLR Extract." 3. Select your district and area type (rural or urban). 4. Fill in the required details like district, Taluk, town, ward, block, survey number, and sub-division number. 5. Submit the application after providing the authentication value. 6. Upon successful submission, you'll receive an online certificate containing land details like type, survey number, location, and municipal door number (if applicable). Required Documents for Online Application · Photocopy of the sale deed (along with the original for verification) · Proof of ownership (e.g., paid electricity bill, tax receipt, or encumbrance certificate) Verifying Patta Online The online portal also allows for verifying the legitimacy of issued certificates. 1. Go to the "Anytime/Anywhere E-services" page and select "Verify Patta." 2. Enter the provided "Reference Number" and submit. 3. The authentication details of your Patta will be displayed. Tracking Patta Chitta Application Status To check the status of your online Patta Chitta application: 1. Visit the TN E-district portal: https://tnedistrict.tn.gov.in/tneda/out_status.xhtml 2. Go to "Revenue -> Report -> Status." 3. Enter your application ID and the "Captcha value." 4. Click "Get Status" to view the application status. Validity of Patta Chitta Certificate The validity of your Patta Chitta certificate can be checked online using the verification process. Documents Required for Patta Transfer If you plan to transfer land ownership, you will need to submit additional documents along with the application: · Photocopy of the sale deed · Proof of possession (e.g., tax receipt or electricity bill) · Encumbrance certificate Patta Chitta is a key document for anyone owning land in Tamil Nadu. Understanding its contents and the online application process can help with land-related transactions and ownership records.
Filing your Income Tax Return (ITR) can seem difficult, but understanding the process is important for every taxpayer. This guide will help you with the knowledge to file ITR. What is an Income Tax Return (ITR)? An ITR is a document you file with the Income Tax Department of India. It summarizes your income earned during a financial year and the taxes you have already paid. It allows the government to assess any additional tax liability you may have or provide a tax refund if you have overpaid taxes. Who Needs to File an ITR? Not everyone in India needs to file an ITR. However, you are required to file an ITR if you fall under any of the following categories: · Your gross total income (before claiming deductions) exceeds the exemption limit set by the government for your income slab. · You have income from sources other than salary, such as interest on investments, rental income, or capital gains. · You want to carry forward losses incurred in previous years to offset future income. · You are claiming a tax refund. Types of ITR Forms: The Income Tax Department prescribes different ITR forms for different categories of taxpayers. Here are some common ITR forms: · ITR 1 (Sahaj): This is the simplest form for salaried individuals with income from salary, interest on bank deposits, and pension. · ITR 2 (Sahaj): Applicable to individuals with income from capital gains, house property, or business/profession. · ITR 3 (Sevā): For salaried individuals or pensioners with income from agriculture or foreign income. · ITR 4 (Sugam): Used by individuals or Hindu Undivided Families (HUFs) with business/professional income. How to File Your ITR: You can file your ITR electronically (e-filing) through the official Income Tax Department website: https://www.incometax.gov.in/iec/foportal/. E-filing is preferred as it's faster, more convenient, and reduces errors. Here's a simplified e-filing process: 1. Register or Login: If you are a new user, register on the e-filing portal. Existing users can log in user id & password. 2. Choose the ITR Form:Select the appropriate ITR form based on your income sources. 3. Fill in Income Details: Accurate your income details from various sources. 4. Claim Deductions: To reduce taxable income, explore and claim deductions available under various sections, like 80C, 80D, etc.. 5. Calculate and Pay Tax: The portal will calculate your tax liability based on your income and deductions. You can pay any outstanding tax online. 6. Submit the ITR: Check and submit the ITR electronically. Important Dates: The Income Tax Department sets deadlines for filing ITRs each year. Ensure you file your ITR well before the due date to avoid penalties. Additional Tips for Smooth ITR Filing: · Gather Documents: Keep all relevant documents, like salary slips, investment proofs, bank statements, etc., readily available. · Seek Professional Help: Consult a tax advisor if you have complex income sources or require specific guidance. · Double-check information: Carefully review your ITR before submission to ensure accuracy and avoid errors. Conclusion: Filing your ITR is an important responsibility for taxpayers in India. Check the Income Tax Department website or a tax advisor for information and personalized guidance.
Ever wondered who owns the plot of land next door or wanted to verify details about your property? Banglarbhumi, is an official online portal launched by the West Bengal government for land records and reforms. West Bengal is a leader in land reforms. It distributes 23% of the country's land. This benefits 53% of recipients in India. The state has documented over 15 lakh sharecroppers and allocated homestead land to more than 5.6 lakh beneficiaries. With over 30 lakh patta holders, the state maintains a comprehensive land records system. Read how you can use Banglarbhumi to access important information (Khatian And Plot Information) about your landholdings in West Bengal. What is Banglarbhumi? Banglarbhumi is an online platform that provides citizens to access and manage their land records online. It removes the need for physical visits to government offices and allows for easy access to land-related information. What Information Can You Access on Banglarbhumi? Here's a glimpse into the treasure trove of information available on Banglarbhumi: · Land Ownership Details: You can view the name of the current owner(s) registered for a specific plot of land. · Land Area and Plot Number: Access the land parcel's precise size and identification number. · Property Valuation: Learn about the official property valuation as per the government. · Land Records: Retrieve copies of relevant land documents, potentially including cadastral maps and land rights information. Who Can Access Banglarbhumi? Anyone can access Banglarbhumi's "Citizen Services" section to view basic land details like ownership and plot numbers. However, accessing detailed land records or mutation details (changes in ownership) might require registering for an account. How to Access Banglarbhumi - Khatian & Plot Information? How to Access Khatian & Plot Information? Visit the official Banglarbhumi website Navigate to the "Citizen Services" section / Click on "Know your Property" or directly access this link Select your District, Block, and Mouza Choose to search by Khatian or Plot Enter the relevant details and click "Submit" to view information You can explore the information available without logging in for basic land details. You might need to register for an account to access detailed records or information like mutation details. The registration process typically involves providing basic information and creating a login credential. Benefits of Using Banglarbhumi: · Transparency and Accessibility: Banglarbhumi helps transparency in land ownership and record-keeping, making information readily available to citizens. · Simple and Quick: It removes the need for time-consuming trips to government offices and allows for 24/7 access to land records. · Less Paperwork: The platform is also a paperless system for accessing land records, minimizing the need for physical documents. Here are some specific examples of how to use the Banglarbhumi portal for searching land records and plot information: Example 1: Searching for Khatian Information Visit the official Banglarbhumi website: http://banglarbhumi.gov.in/. Click on "Know your Property." Select your District (e.g., Kolkata), Block (e.g., Ballygunge), and Mouza (e.g., Bhawanipore). Choose "Search by Khatian." Enter the Khatian number (e.g., '12345') and click "Submit." View the details of the land record. Example 2: Searching for Plot Information Visit the direct link: http://banglarbhumi.gov.in/eDSS/LrInfoNavigation.action. Select your District (e.g., Howrah), Block (e.g., Shibpur), and Mouza (e.g., Tikiapara). Choose "Search by Plot." Enter the Plot number (e.g., '678/9') and click "Submit." Check the plot details, including ownership and area. Example 3: Checking Mutation Case Status Go to the Mutation Case Status section on the Banglarbhumi website. Select "Case Wise Search." Enter the District (e.g., Darjeeling), Block (e.g., Kurseong), and Mouza (e.g., Sonada). Enter the Case Number (e.g., '2020-5678') and click "Submit." View the status of the mutation case. These examples will help you use the Banglarbhumi portal to access land and property information in West Bengal. The portal is a useful tool for finding information about land and property in West Bengal. By following these examples, you can effectively navigate the Banglarbhumi portal. This will make it easier for you to access the information you need about land and property in West Bengal. Conclusion Banglarbhumi is a significant step towards the digitalization and modernization of land records in West Bengal. By providing easy access to land information and simplifying various processes, the portal benefits citizens, legal professionals, and government officials alike. Embracing this digital platform ensures a more transparent, efficient, and user-friendly approach to land management in the state.
The Goods and Services Tax (GST) is a significant reform in India's indirect tax structure. Implemented in 2017, it aims to streamline the process of levying taxes on goods and services. This article provides a comprehensive overview of GST, explaining its core concepts and how it impacts businesses and consumers. What is GST? GST is a single, destination-based tax levied on the supply of goods and services across India. It replaces many indirect taxes that were levied before by the central and state governments, like excise duty, VAT (Value Added Tax), service tax, and octroi. Benefits of GST: · Simplified Tax System: GST is more transparent and efficient system of paying tax. · Reduced Compliance Burden: Businesses must comply with a single tax regime instead of multiple taxes, simplifying compliance and reducing paperwork. · Enhanced Transparency: GST promotes transaction transparency with a unified tax structure and invoice system. · Boost to Economic Growth: GST is expected to boost economic growth by creating a unified national market and encouraging smoother movement of goods and services. How Does GST Work? GST works on a "supply chain" principle. When manufacturers produce goods, they pay GST on the raw materials used. When they sell the finished product to a wholesaler, they pay GST on the value added by them (manufacturing cost). The wholesaler then pays GST on the further value added (wholesale profit margin) when selling to a retailer. Finally, the retailer pays GST on the final value added (retail profit margin) before selling to the consumer. GST Rates: The GST Council, a federal body, determines the GST rate structure. Currently, there are four main GST slabs: · 0% GST: This applies to basic food - grains, milk, and fresh vegetables. · 5% GST: This rate applies to certain essential items and services. · 12% GST: This is the standard rate for most goods and services. · 18% GST: This rate applies to luxury goods and certain services. GST and Consumers: Consumers ultimately bear the burden of GST. The final price of goods and services reflects the GST paid at each stage of the supply chain. However, consumers benefit from a simplified tax system and potentially lower prices due to the elimination of cascading taxes. GST and Businesses: Businesses must register under GST if their annual turnover exceeds a specific threshold. They need to collect, deposit, and claim input tax credit (ITC) on GST paid at each stage of the supply chain. While compliance requirements exist, GST offers benefits like reduced paperwork and transport of goods across state borders. The Goods and Services Tax is an important reform. Understanding its principles and how they affect businesses and consumers is important. Seek professional advice from a tax advisor for tailored guidance.
Dearness Allowance (DA) is a common component of salaries in India. It's a cost-of-living adjustment provided by employers to their employees to help them cope with inflation. While DA plays a crucial role in maintaining financial stability, understanding its tax implications is essential for salaried individuals. What is Dearness Allowance (DA)? DA is a monetary allowance linked to the Consumer Price Index (CPI). As the cost of living increases, so does DA, aiming to maintain the purchasing power of employees' salaries. The government announces revisions to DA for its employees periodically, and private companies often follow suit. Is Dearness Allowance Taxable? Yes, Dearness Allowance is fully taxable in India. It's regarded as part of your salary income and is subject to income tax deductions according to your tax slab. Your employer will generally deduct the tax on DA and your income tax from your salary before crediting it to your account. How Does DA Affect Your Taxes? Since DA is added to your base salary, it increases your taxable income. This can push you into a higher tax bracket and increase your liability. However, the increased income due to DA might also allow you to claim more deductions and tax benefits and reduce your tax burden. Here are some additional points to consider: · Unfurnished Rent Accommodation: If you receive House Rent Allowance (HRA), and your DA exceeds 50% of your basic salary, the exemption for HRA might be partially or fully taxable. The government considers a portion of your DA part of your house rent allowance. · Retirement Benefits: For government employees, DA received during their service period forms a part of their retirement benefits. Under certain conditions, a portion of this DA might be exempted from tax when calculating their pension. Tips for Managing Taxes on DA · Track Your Income: Keep records of your salary slips showing the breakdown of basic salary, DA, and tax deductions. · Tax Planning: Consult a tax advisor to learn more about tax-saving options like investments under Section 80C, medical insurance premiums, etc., which can help offset potential tax increases due to DA. · File Tax Returns Accurately: Fill your tax return accurately and make sure it reflects your income, including DA, to avoid any differences or penalties. Dearness Allowance plays an important role in managing inflation and maintaining purchasing power for salaried individuals. While DA is taxable, understanding its implications and using tax-saving methods can help manage your tax liability. Consulting a tax advisor can guide you on how to make the most of tax benefits based on your case.
An Eway Bill, or electronic waybill, is a crucial document required under GST for transporting goods within India exceeding ₹50,000 in value. It helps track goods movement and prevent tax evasion. Here's a step-by-step guide on generating an Eway Bill: Prerequisites: · Registered account on the Eway Bill Portal (https://ewaybillgst.gov.in/) · Invoice/Bill of Supply/Challan details for the consignment · Transporter details (ID or vehicle number) if using road transport · Transport document number, date (if using train, air, or ship) Eway Bill Format (GST EWB-01): The Eway Bill is divided into two parts: · Part A: Contains product information (recipient, delivery place, invoice details, HSN code, reason for transport) · Part B: Contains vehicle information (vehicle number, transport mode) Generating an Eway Bill (Part A): 1. Login: Visit https://ewaybillgst.gov.in/ and log in using your credentials. 2. Navigate: Go to "e-Waybill -> Generate Fresh" to create a new Eway Bill. 3. Enter Details: Fill in the required information on the screen: o Transaction Details: Select "Outward" if you're the supplier, "Inward" if you're the recipient. Choose the sub-type based on the document being shipped. o Document Details: Enter document type (invoice, challan etc.), document number, and date. o Bill From/To Details: Provide supplier and recipient information (auto-filled based on transaction type). o Item Details: Specify details of the items being shipped (HSN code, quantity, etc.). o Transporter Details: Enter transporter details (ID/name), transport mode, and vehicle number (if applicable). 4. Preview & Submit: Once all details are entered, click "Preview" to review. If everything looks correct, click "Submit" to generate the Eway Bill Number (EBN). Reprinting an Eway Bill: 1. Go to Eway Bill: Select "e-way bill" from the menu on the left side of the screen. 2. Print EWB: Choose "Print EWB" from the menu. 3. Enter EWB Number: Enter the Eway Bill number you want to reprint. The EWB will be displayed, and you can print it for your records. Generating Eway Bill (Part B - Updating Vehicle Details): Note: This is only applicable if you need to update vehicle information after generating Part A. 1. Go to Eway Bill: Select "e-waybill" from the menu on the left side of the screen. 2. Update Part B/Vehicle: Choose "Update Part B / Vehicle" from the menu. 3. Enter Details: Enter the Eway Bill number or generation date. The Eway Bill you created will be displayed. 4. Update & Submit: Select the Eway Bill, make necessary changes to vehicle details, and click "Submit" to update the information. Who Should Generate Eway Bills? · Registered GST taxpayers (consignor/consignee) transporting goods themselves or using hired transport (rail, road, air). · Unregistered suppliers sending goods to registered recipients. · Transporters carrying goods where the consignor or consignee hasn't generated an Eway Bill. Penalty for Non-Generation Failing to generate an Eway Bill can result in a penalty of ₹10,000. Additionally, the vehicle and goods may be seized or detained.
In a country as diverse and populous as India, ensuring access to quality healthcare for every citizen remains a monumental challenge. Recognizing this pressing need, the Government of India introduced the BIS Pradhan Mantri Jan Arogya Yojana (BIS PMJAY), a ground-breaking healthcare initiative aimed at providing financial protection and medical assistance to millions of vulnerable households. In this blog, we'll delve into the essence of the BIS PMJAY scheme and its transformative impact on healthcare accessibility across the nation. Understanding BIS Pradhan Mantri Jan Arogya Yojana: BIS PMJAY, an abbreviation for 'Bharat Interface for Money Pradhan Mantri Jan Arogya Yojana', is a digital platform developed to streamline the implementation and management of the Pradhan Mantri Jan Arogya Yojana (PMJAY). PMJAY, also known as Ayushman Bharat, is a flagship healthcare scheme aimed at providing health coverage of up to ₹5 lakh per family per year to economically vulnerable households. Key Objectives of BIS PMJAY: Digital Transformation: BIS PMJAY serves as a digital interface for various stakeholders involved in the implementation of PMJAY, including beneficiaries, hospitals, insurance agencies, and government authorities. The platform facilitates seamless communication, data exchange, and transaction processing, thereby enhancing efficiency and transparency in healthcare delivery. Beneficiary Management: BIS PMJAY enables the identification, enrolment, and management of beneficiaries under the PMJAY scheme. Through robust data management systems, the platform ensures accurate beneficiary profiling, eligibility verification, and issuance of e-cards for cashless healthcare services. Hospital Empanelment: The platform facilitates the empanelment of hospitals and healthcare providers under PMJAY, ensuring that beneficiaries have access to a network of accredited healthcare facilities for medical treatment and services. Features and Benefits of BIS PMJAY: Cashless Healthcare: BIS PMJAY enables beneficiaries to avail themselves of cashless medical treatment at empanelled hospitals, eliminating the financial burden associated with out-of-pocket expenses. Paperless Transactions: The platform promotes paperless transactions and documentation, reducing administrative overheads and enhancing operational efficiency in healthcare service delivery. Real-time Monitoring: BIS PMJAY allows for real-time monitoring and tracking of healthcare services, expenditure patterns, and health outcomes, enabling timely intervention and performance evaluation. Conclusion: BIS Pradhan Mantri Jan Arogya Yojana represents a significant step towards achieving universal healthcare access and equity in India. By leveraging technology-driven solutions like the BIS PMJAY platform, the government aims to overcome systemic barriers and ensure that every citizen can access quality healthcare services without financial constraints. As the BIS PMJAY scheme continues to evolve and expand its reach, it holds the promise of transforming the nation's healthcare landscape and fostering a healthier, more prosperous future for all. Through collaborative efforts and innovative approaches, India is poised to realize its vision of inclusive healthcare for every citizen, reaffirming its commitment to the well-being and dignity of its people.
अनसिक्योर्ड लोन बिना किसी सिक्योरिटी के ही दिए जाते हैं। लोन सेंक्शन और पेआउट सहित इन लोन के नियम और शर्तें अक्सर क्रेडिट स्कोर पर निर्भर करती हैं। इन लोन की मंजूरी पाने के लिए आपके पास क्रेडिट स्कोर अच्छा होना चाहिए। चलिए मान लेते हैं कि व्यक्ति के पास जरूरी क्रेडिट स्कोर नहीं है। इस स्थिति में लोन देने वाली कंपनी को को-साइनर की जरूरत हो सकती है। अगर व्यक्ति भुगतान नहीं करता है तो को-साइनर लोन का भुगतान करने की जिम्मेदारी ले सकता है। अनसिक्योर्ड पर्सनल लोन के उद्देश्य उधार लेने वाला निर्धारित करता है। उदाहरण के लिए, हो सकता है कि आपने कोई सामान खरीदने के लिए इस लोन का इस्तेमाल करने की योजना बनाई हो। इस स्थिति में आप अनसिक्योर्ड लोन ले सकते हैं। ऐसे लोन संपत्ति खरीदने के लिए इस्तेमाल किए भी जा सकते हैं और नहीं भी लेकिन बैंक के पास कोई संपत्ति गिरवी नहीं होती है। अनसिक्योर्ड लोन का मुख्य उद्देश्य उन लोगों के लिए धन मुहैय्या, यानी प्रोवाइड कराना है जिनके पास इसकी कमी है। सिक्योर्ड और अनसिक्योर्ड लोन क्या होते हैं? सिक्योर्ड और अनसिक्योर्ड लोन के बीच खास अंतर संपत्ति को गिरवी रखे जाने का है। सिक्योर्ड लोन में सिक्योरिटी के तौर पर संपत्ति रखनी होती है। होम लोन और ऑटो लोन सिक्योर्ड लोन के दो जाने-पहचाने प्रकार है। इस तरह के लोन में घर और वाहन सिक्योरिटी होते हैं। लोगों के पास मौजूद किसी भी तरह का कैपिटल प्रोडक्ट संपत्ति हो सकती है। इसके साथ अगर लोग लोन का भुगतान नहीं करते हैं तो बैंक भुगतान के तौर पर सिक्योरिटी ले सकता है। क्रेडिट रिकॉर्ड को रिकवरी के लिए कम से कम सात सालों की जरूरत होगी। अनसिक्योर्ड लोन को गुड क्रेडिट या साइन लोन भी कहा जाता है। यह लोन विभिन्न पुरानी, डिजिटल और राज्य स्तर की लोन देने वाली कंपनियों की ओर से भी दिए जाते हैं। सुरक्षित लोन की तुलना में यह तरीका अक्सर कठिन होता है। अनसिक्योर्ड लोन कैसे काम करते हैं? अनसिक्योर्ड लोन में उधार की सीमा बदल सकती है। यह बिना संपत्ति के किश्त वाले लोन भी हो सकते हैं। जब एक बैंक को आवेदन मिलता है, तो लोन देने वाली कंपनी देखती है कि क्या कोई व्यक्ति उनके भरोसे और अन्य कारकों जैसे बचत, लोन, आदि को देखते हुए क्रेडिट लाइन के योग्य हैं या नहीं। अनसिक्योर्ड लोन को अक्सर व्यक्ति के भुगतान की जिम्मेदारी से सुरक्षित बनाया जाता है। हालांकि, अगर उधार का पूरा भुगतान नहीं किया जाता है तो लोन देने वाली कंपनी के पास इसका कोई इलाज नहीं है। कुछ विकल्पों में देनदार पर मुकदमा करना और छूटी हुई फीस के बारे में क्रेडिट एजेंसियों को रिपोर्ट करना शामिल है। इससे व्यक्ति का क्रेडिट स्कोर खराब होता है। अनसिक्योर्ड पर्सनल लोन को पसंद किए जाने की वजहें किसी तरह की सिक्योरिटी की जरूरत नहीं है। खास बात यह है कि लोन बिना सिक्योरिटी के दिए जाते हैं जिसकी वजह से ज्यादा से ज्यादा लोग इसका चुनाव कर रहे हैं। लोगों को अनसिक्योर्ड लोन मंजूर करने के लिए किसी तरह की सिक्योरिटी, संपत्ति या गारंटर देने की जरूरत नहीं होती है। जरूरी खरीद के लिए सुरक्षित लोन लेने के मामले में ऐसा नहीं होता है। लोन देते समय आवंटित, यानी अलॉट किए गए समय में लोन वापस करने की क्षमता जरूरी फैक्टर होती है। ऑनलाइन पर्सनल लोन की उपलब्धता आप बैंक, एनबीएफसी और इंटरनेट पर मौजूद उधार देने वाली कंपनियों से ऑनलाइन लोन का अनुरोध कर सकते हैं। इसके साथ ज्यादातर लोन ऐप और साइट आपको मिलने वाली सबसे ज्यादा राशि दिखाते हैं। जब उपभोक्ता उधार के लिए ऑनलाइन आवेदन करते हैं, तब आकलन, यानी असेसमेंट मासिक आय, यानी मंथली इनकम के आधार पर होता है। आपके पास पेपर ऑनलाइन अपलोड करने का विकल्प होता है। प्रोसेसिंग चार्ज देने और लोन को मंजूरी मिल जाने के बाद लोन की राशि सीधे बैंक खाते में ट्रांसफर कर दी जाती है। लोन मिलने की अनगिनत संभावनाएं अनसिक्योर्ड पर्सनल लोन देने वाली बहुत सी कंपनियां हैं। अचानक आई पैसों की जरूरत को कवर करने के लिए उनके पास उधार के सस्ते विकल्प हैं। फास्ट लोन में 5 लाख रुपए तक मौजूद हैं। उधार देने वाली कंपनियां किसी भी वित्तीय विकल्प, यानी फाइनेंशियल ऑप्शन के साथ तुरंत बिलों का भुगतान कर सकती हैं। अब लोन के लिए आवेदन करना आसान है। बहुत सी उधार देने वाली कंपनियां उपभोक्ताओं को अच्छी दरों, भत्तों और छूट पर लोन देते हैं। होम लोन और ऑटो लोन की तुलना में अनसिक्योर्ड लोन आसान होते हैं। सरल नियम और एक्सचेंज इन योग्यताओं में आमतौर पर आयु सीमा यानी ऐज लिमिट, न्यूनतम वेतन यानी मिनिमम सैलरी, अच्छी क्रेडिट रेटिंग, आदि शामिल हैं। अगर क्रेडिट स्कोर कम है तो लोग को-साइनर के लिए आवेदन कर सकते हैं। लोन की जल्द प्रोसेसिंग व्हीकल लोन के मुकाबले अनसिक्योर्ड पर्सनल लोन बेहतर तरीके से संभाले जाते हैं। फॉर्म रिव्यू होने के 2-3 दिनों के बाद ही इन्हें डिस्बर्स कर दिया जाता है क्योंकि इनमें किसी भी तरह की सिक्योरिटी नहीं मांगी जाती है । बहुत कम पेपरवर्क अनसिक्योर्ड लोन के लिए लोगों को बहुत पेपर नहीं देने होते हैं। बैंक, फाइनेंशियल संस्थाएं और अन्य लोन देने वाली कंपनियों को उतने प्रमाण की आवश्यकता नहीं होती जितनी कि उन्हें दूसरे लोन के लिए होती है। यह लोन पॉपुलर हैं क्योंकि इनमें कुछ ही सहयोगी पेपरों की जरूरत होती है। अनसिक्योर्ड लोन के लिए आवेदन करते हुए लोगों को सिर्फ पहचान और निवास प्रमाण, यानी आइडेंटिटी और रेजिडेंस देने चाहिए। क्रेडिट स्कोर में बढ़ोत्तरी अनसिक्योर्ड पर्सनल लोनक्रेडिट सीमा बढाने में आपकी सहायता करती हैं। क्विक अमाउंट लेने में भी यह सहयोग करती हैं। ईएमआई का नियमित भुगतान क्रेडिट स्कोर बढ़ाने में मदद कर सकता हैं। इसके चलते आपकी उधार लेने की विश्वसनियता बढ़ती है। उपभोक्ता बहुत से लोन प्रोडक्ट, लोन की बेहतर राशि और लोन की सस्ती दरों की दरों को आजमा सकते हैं। लोन की लचीली यानी फ्लेक्सिबल अवधि लोन की शर्तें आमतौर पर छोटी और 5 साल तक के लिए होती हैं। लेकिन बैंक आपको पुनर्भुगतान, यानी रीपेमेंट का समय चुनने का ऑप्शन भी देते हैं। इसका मतलब है कि आप अपनी मासिक जरूरतों और पुनर्भुगतान की क्षमता के आधार पर समयावधि का चुनाव कर सकते हैं। नतीजतनम पुनर्भुगतान की प्रक्रिया ज्यादा मांग में नहीं है। निष्कर्ष हमेशा याद रखिए कि सिक्योर्ड और अनसिक्योर्ड लोन दोनों को किसी भी परिस्थिति में भुगतान करना होता है। क्रेडिट कार्ड या अन्य मामलों का भुगतान करने के लिए लोन को ब्याज सहित चुकाया जाना चाहिए। लोन आपकी महंगी खरीदारियों का भुगतान करने का बेहतरीन तरीका है। भारत में, अनसिक्योर्ड पर्सनल लोन उपभोक्ताओं की ओर से अक्सर इस्तेमाल किया जाने वाला वित्तीय विकल्प, यानी फाइनेंशियल ऑप्शन है। उनकी संपत्ति जरूरतों में कमी, अन्य ऋण विकल्पों, यानी लोन ऑप्शन की तुलना में त्वरित पहुंच, अच्छे लोन रेट्स, आदि, उन्हें एक बेहतरीन विकल्प बनाती हैं। अब आप अनसिक्योर्ड लोन के भत्तों के बारे में जानते हैं। सुरक्षित और अनसिक्योर्ड लोन के बारे में ज्यादा जानने और अलग-अलग प्रोडक्ट और सेवाओं का अनुभव लेने के लिए पीरामल फायनांस पर जाएं।