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Travel Insurance Can Protect You on Your Road Trip

Road trip memories are one of the best events in our lives. Fantastic views and your favourite playlist lead to joyful memories. Travel insurance can keep you safe on a trip. Are you searching for travel insurance? This article will tell you all that you need to know. Travel insurance is for people when they go on domestic or international travel. It includes many benefits. If you fall ill during travel, your insurance plan will take care of it. This includes your hospitalisation expenses too. There could be cancellations or delays in your travel. Travel insurance is helpful in such cases as well. If in case you lose your luggage or documents, insurance again helps. Travel insurance will protect you from departure to return. You can choose travel insurance plans based on your needs. It includes flight choices and bookings. Travel insurance covers many trips in the policy period. Details such as travel date, traveller details, and coverage required are needed for travel insurance. You can buy travel insurance online too. There are many portals like Piramal Finance to help you buy travel insurance online. [B-01] Main features of road trip insurance On-trip financial support You are protected if you become lost in the middle of your journey. You get cash for an emergency hotel stay and travel reimbursement up to the covered amount. Low Annual Fee Relief Get a sum of money insured for an emergency during a trip at a small annual cost. It’s a good strategy to avoid spending money you don’t need to, especially if your car breaks down. Blocking of Debit/Credit Cards With just one phone call, you can prevent the unauthorised use of your lost or forgotten debit or credit card and protect your money. This blog covers vital aspects of travel insurance. Read on to learn more. Covers prepaid costs after cancellation You do many things before your trip: You book hotel rooms. You find tickets for must-see sites. Your rent cars. Make sure you have travel insurance too. This helps when there is a change in plans. Travel insurance covers prepaid costs if there is a cancellation of the trip. If you or a group member falls sick, you may have to cancel the trip. Travel insurance can help here. Sometimes a death in the family may lead to the scrapping of travel plans. The travel agency may default. Bad weather can change plans. There are many reasons for trip cancellation. Travel insurance helps in all of these cases. Some road trip travel insurance policies cover trip interruptions due to traffic and accidents. If a highway closure results in delays, travel insurance will help you. Covers medical expenses and evacuation A person may fall sick during a trip. They may even need a medical evacuation. Someone might need a doctor during a road trip. Travel insurance can take care of all these expenses, plus other emergencies. Some of the incidents falling under medical emergencies include acute anaesthetic treatment of teeth because of injury, sudden illness, injury, accidents, or death while travelling. Annual travel insurance plan There is great fun in travelling. A travel insurance plan will give you more freedom to do this. An annual insurance plan gives you safety. It covers any mishaps during your trip. These plans give you more flexibility. Annual travel insurance plans include rental car damage and theft coverage. It helps with trip cancellation. It also helps if there is an interruption in the trip because of an emergency. You can look for an annual travel insurance plan, based on the travel frequency, destination, trip duration, the number of travellers, and the claim procedure. Car insurance policy for your road trip A suitable car insurance policy is useful for every trip. You can look for travel insurance online. Apart from travel insurance, you can get add-ons for your road trips. Roadside assistance This is useful if your car breaks down. The insurance company will send a mechanic to fix your car. Your car can be towed to the closest garage too. Passenger cover Travel insurance plans are very detailed. You can get personal accident coverage of Rs. 15 lakh. The experts at Piramal Finance will give you more information. Personal belongings cover You may carry costly gadgets like laptops and smartphones on your trip. They may get damaged in an accident. The belongings add-on helps in this case. Delayed trips There could be many reasons for a delayed trip. Traffic jams and road diversions are common. It may be difficult to reach places in remote areas. When you search for travel insurance online, look for this too. Maternity and baby cover Not all agencies offer this facility in their travel insurance package. Luckily, in India, some travel agencies provide this add-on under their travel insurance plan. If anyone in your travel group is pregnant, you can also look for these perks. A road trip is a fun experience. It gives you a chance to get to know your fellow travellers better. Enjoy your road trip instead of worrying about insurance. [B-02] Bottom line Use travel insurance to enjoy your road trip to the fullest. Sudden and unfavourable situations arise during a trip. There may be more risks in foreign trips. Piramal Finance has many travel insurance plans online. Its platform has branded road trip products. You can find offers and discounts too. Head to the website to know more. Buy travel insurance online with ease with Piramal Finance. Read the policy carefully to understand the coverage, limitations, and other details. If you need help, you can contact the experts at Piramal Finance. They have a one-stop platform for all information on financial and banking services. Update your knowledge on key services and products, such as personal loans and insurance coverage, by reading the blogs on their website.
08-11-2023
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Cards

Advantages and Disadvantages of credit card : All you need to know

A credit card allows you to enjoy credit for buying goods and services. It also gives you reward points and exciting offers. It has become a useful financial tool in today’s time. However, like every coin, there are two sides to every coin, and so does a credit card. Read through to learn about the benefits and shortcomings of credit cards. The Advantages of Credit Cards A quick source of funds: Credit cards function on a deferred payment basis, which means ‘borrow now and pay later.’ Customers who have bank accounts are served with this unique feature. The customers use funds as often as needed (within the limit) to make necessary purchases. Easy access to EMIs: If a customer wants to make big and expensive purchases but lacks cash or a bank balance, a credit card covers them. They can make these purchases with easy and affordable EMIs (Easy Monthly Installments), which convert the total billed amount into small monthly instalments. Financial credibility: Every time a customer purchases with a credit card, a transaction history gets created. Banks and financial institutions use this transaction history to analyse their line of credit and credit repayments. Moreover, this line of credit builds their creditworthiness for future loans or rental applications. Security: A credit card is a safe tool. Unlike old credit cards, the ones issued recently have Europay, MasterCard, and Visa chips embedded in them, making them safe to use and preventing fraud. Credit score improvement: Making timely credit repayments upgrades a customer’s credit score from bad to good. This shows that they have good borrowing and repaying habits. Rewards and Offers: Most credit cards come with cashback or reward points whenever customers swipe their cards. These reward points are then redeemed to pay their outstanding credit card dues. Sometimes, these can also be used when booking tickets or travel destinations. The Disadvantages of Credit Cards Overuse: Credit cards provide large amounts of funds, which attracts users to overuse credit. Because of this, consumers make every purchase with credit cards and later may fall into a debt trap. So, spending 50–60% of the total credit is recommended to solve this. This will prevent the overuse of credit and the customer from falling into debt. Fraudulent acts: Credit cards are safe to use, but there are still chances of fraud. These frauds include fraudsters stealing credit card credentials and using them incorrectly or when a transaction is made using someone else’s credit card. Moreover, inform your bank immediately if you find any suspicious activity related to your card. High Interests: If a customer doesn’t pay their dues on time, the banks carry this amount forward and apply interest rates on it, and the customer falls into a debt trap. To avoid such a situation, repaying on time and avoiding high interest rates is advisable. Additional Costs: Some hidden taxes or fees are associated with credit cards. Not making payments or recurring outstanding payments may eventually reduce credit scores. Therefore, make timely payments and don’t ignore additional costs like annual fees, renewal fees, etc. Minimum due amount: This minimum due amount is written at the top of a credit card's monthly bill. This is the biggest shortcoming of credit cards. Many credit cardholders, especially new ones, confuse the “minimum amount due” with the “total amount payable” and make partial payments, increasing their outstanding balance and locking them into high interest rates. To avoid such conditions, read the credit card bill thoroughly. The Top Five Fuel Credit Cards The price of fuel keeps changing in the market. So, a customer may save money by making fuel payments through the best credit cards for fuel in the market. SBI Bank, HDFC Bank, and Citibank offer the best fuel credit cards. The frequently used credit cards for fuel, their annual fees, rewards offered, and surcharge waivers are as: Credit Card Annual Fees Reward Points Waiver of Fuel Surcharge IndianOil Citi Platinum Card 1000+GST Every INR 150 spent on IndianOil outlets rewards 4 turbo points in return. Also, you can avail yourself of 68 liters of free fuel in a year. A 1% fuel surcharge will not be charged on payments from any IndianOil outlets. IndianOil HDFC Bank Credit Card 500+GST Get 5% of your total spending only at IndianOil outlets as fuel points and 1 fuel point for every INR 150 spent on all other outlets. Also, you can avail 50 liters of free fuel in a year. A 1% fuel surcharge will not be charged at other fuel stations. ICICI Bank HPCL Super Saver Credit Card 500+GST 5% cash back for fuel payments with HPCL and an additional 1.5% cash back (in the form of cash points) on making payments through the HP Pay app. There is no surcharge exemption. Standard Chartered Super Value Titanium Credit Card 750+GST You will receive 5% cash back on the value of your transactions on all payments under INR 2,000. There is no surcharge exemption. BPCL SBI Card Octane 499+GST Every Rs. 100 spent at BPCL Fuel Stations earns you 25 reward points. 6.25% + 1% surcharge waiver(T&C) [B-02] Summing up In today’s fast-growing world, a consumer must act smart and make smarter choices. What’s better than a credit card that says ‘borrow now, pay later? However, before applying for a credit card, read about its advantages and disadvantages and choose the right one. To get more information on credit cards and personal loans.
08-11-2023
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Stocks Markets

Best Platform for Stock Trading In India

If you keep your money in a jar, it just sits there and does not grow. But you can make good use of your money by putting it into trading stocks, and your money value will grow. Stock trading means buying and selling a company’s shares. Since the Indian stock market has gone up a lot, it is very fruitful to invest in it. The stock market is at its rising investments in interest and inflows. As a result, people are also learning more about the market. Thus, people are trying to trade stocks on their own. But this trading can be done only through trading platforms. An online portal, often known as a trading platform, uses technology to carry out deals on behalf of its members. There is no need to leave your house to do stock trading. You can trade online and from anywhere using apps built for that purpose. Let us look at the best online trading platforms you can use to grow your money. [B-01] The Best Online Trading Platforms Here is a list of the best stock trading platforms you can use from the comfort of your mobile phone at home. Upstox Pro This is the second-largest trading app. Upstox Pro was earlier named RKSV Securities. It does trade very quickly, all thanks to its user-friendly design. It also offers a great web- and mobile-based trading platform. Upstox Pro has been helped by giant investors, including Ratan Tata and Tiger Global Management. You can use a web browser on your PC or mobile device to trade using Upstox Pro. It allows for the quick and easy trading of even large deals. Also, it happens to be the best option for traders. The best features of Upstox Pro include: Charts to guide your trading decisions. Orders are covered. Quick stock buying and selling. Information about the rate of the stocks you like. The pros of Upstox include: Investing directly. Simple-to-read charts. Many types of orders, like limit, after-market, etc. The only con so far is that some users report that the web version is tough to use. Zerodha Kite Zerodha is India’s top broker and offers India’s best online trading app, Kite, with over 5 million users. You can use it from a PC or a mobile device. The user interface is simple, and the screen is not jammed with elements that are not useful. Since Kite has been created in-house by the Zerodha team, any issues are quickly solved. It is at the top of the list as it is very light and uses less bandwidth. One of its perks is that it executes deals at breakneck speeds. The top features of Kite are: 6 types of charts to aid in knowing the state of the market. Advanced order options. Gives market news. A very easy-to-use app. Some extra perks of using the Zerodha Kite app are: The app is available in 10 languages. Several charts are given to see the state of the market. You can place a limit on your orders. The major demerit is that there is no mutual fund trading or price notifications. Groww One of the best stock trading platforms in India is Groww. The stock trading is also fairly error-free when done as per the user’s experience. The entire process is paperless, and the account is created in minutes. The main features of the Groww stock trading platform are: Offers advice on which asset type to select as part of its user help program. This program is based on user-defined criteria. Tools for mutual funds can be used to compute the returns. One-click trade interface that makes transactions quick and easy The analysis tools have charts that aid in your trade study. High levels of online security. Groww has no account opening or maintenance charges, one of its perks. It also allows you to invest in gold, FDs, and international stocks. 5paisa Online Trading App One of the most popular trading apps in India is 5Paisa. The best features of the app include: Exchanging your stocks. Investing in mutual funds. Money Exchange. Auto-investing option based on your goals. A user-friendly interface. All transactions are done with a single click. The ability to research the market state with the use of advanced charts. The advantages of using 5paisa are: Research instruments. Investing in cars. Educational materials. Zero commission for trading mutual funds. The main demerit is that the charge for “trading on call” is Rs. 100 for each call. Angel Broking Angel Broking is one of the best online trading platforms available in India. The Angel One Speed Pro existed for quite some time and was once known as “Angel Broking.” Initially, Angel Broking was a trading broker. But the company has recently unveiled its online trading platform. With over 1 crore members, Angel Broking is one of the most used stock trading platforms. The best features of Angel Broking are: Using expert-conducted research to analyze the industry. Keeping your portfolio up to date. Using small instances to create a varied portfolio. Picking from pre-made portfolios. Investing opportunities in foreign stocks. The advantages of Angel Broking include: Zero brokerage fees. Portfolio administration. Creating a low-cost portfolio by investing in tiny instances. A demerit is that trading over the phone costs Rs. 20 for each completed order. [B-02] Conclusion In India, several trading platforms are available that you can use to do stock trading. These platforms offer various value-added services, too. Investors, thus, find these online trading platforms more appealing. However, suppose you do not understand online stock trading and which platform best suits your needs. In that case, you can contact Piramal Finance for advice, where experts can offer you all the help you need for stock trading. It also helps you find the best solutions to finance your purchase, such as personal loans or credit cards.
08-11-2023
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Other

Online Brokerage Charge Calculator and Comparison

Have you ever wondered why the amount you invested in buying stocks is not utilised 100%? This is because a portion of the amounts you invest is a contribution for brokerage, taxes etc. Brokerage is a practice in which a broker takes care of your investments in exchange for a commission. Besides managing your financial transaction, a full-time broker also gives you trading tips in their brokerage rates. So, understanding how to calculate brokerage rates becomes essential. [B-01] How does brokerage work? The brokerage varies from broker to broker. For example, a full-time broker might take a 10% brokerage on your trade. However, discount brokers can charge a lower brokerage, as they will only manage your deal but will not give any financial advice. Another type of broker is an online site, which tells you the correct stocks you can invest in at a given time. Serious traders hire a full-time broker to manage their trade. Finding the right broker depends on your expectations and the amount of commission you can share with your broker. While dealing with your broker, you will need to calculate the brokerage they will be taking. Unfortunately, calculating the commission amount is hectic. So, the best method of brokerage calculation will be to use an online brokerage calculator. You can use it to track your stock investment or change investment plans based on your budget. The online brokerage calculator will save you time and let you make investment decisions. What is a brokerage calculator? Online brokerage calculators allow traders to choose different brokerage rates, helping them to calculate and compare brokerage fees. A brokerage calculator is an online tool that deals with brokerage accounts and helps traders decide on their investments. Brokerage firms provide this free online tool which makes the process easy. It is a mandatory tool for traders to keep a record of the commission or brokerage rates that go to a broker. Sometimes, traders are unaware of the money going into a broker’s pocket. Due to this, they have to incur huge losses. So, calculating the commissions before hiring a broker becomes an essential trade practice if you are a trader. For instance, a flat fee broker might charge Rs. 10 to Rs. 20 per trade. You have to be vigilant enough to keep an eye on this per-trade charge so that the combined trade fee is not affected. You can save more on investment and countercheck the transaction with your broker. How does an online brokerage calculator work? To enter the brokerage world and understand the working of an online brokerage calculator, you should be aware of terms such as stamp duty, STT, GST, SEBI, net profit and transaction charges. Stamp duty: An official registered document is created to face cases like a betrayal by the broker or the trader. This document states all the transaction details and procedures between the investor/trader and a broker. This document is called stamp duty, which binds the two parties in a commitment. Securities Transaction Tax (STT): STT is a direct tax on buying and selling listed securities on the stock exchange. Goods and Services Tax (GST): GST is an indirect tax levied on goods and services, including stock exchanges. Securities and Exchange Board of India (SEBI): SEBI is India’s security and commodity regulatory body. Only listed firms in SEBI are allowed to enter the stock market. Being a regulator, it checks the function of the stock market. A trader must also pay a regulatory fee to SEBI, which helps the institution manage its financial operation. Net profit: It is the amount of profit made after reducing net costs from the net sales. Transaction charges: These are the charges that brokers get per trade. Considering all these elements, we calculate the brokerage. After buying and selling, the broker gets a certain percentage as a commission. For example, the stock you want to buy is worth Rs. 300, and the broker demands 0.05%. Then 0.05% of Rs. 300, which is Rs. 15 during buying and 5% of the same price, Rs. 15, will be added and paid to the broker, which is Rs. 30. Sometimes traders don’t calculate this price and lose the money they might otherwise have saved. Benefits of an online brokerage calculator Calculating the commission using an online brokerage calculator is an intelligent step. You can find correct and reliable results in a fraction of a second. As a trader, you can compare various brokers’ commissions or brokerage rates and choose the cheaper one. A brokerage calculator also helps you become smart traders who fall into the trap of expensive and sometimes fake advertising brokerage firms. It tells you the transaction charges and stamp duty, STT and GST. It is entirely free. An online brokerage calculator makes you self-reliant in taking decisions for trading. You do not have to call an expert every time. It also shows you net profits. [B-02] Conclusion Investment in the stock market starts with opening a Demat account or trading account. At first, the stock market may leave you confused, but your trading skills will gradually improve with days of scrolling and making the wrong or good decisions. Some investors feel starting with one’s stock market journey and then consider hiring a broker. But, brokers have experience managing stocks and trading, so many traders advise by talking to brokers and taking financial and trading advice. If you’re a student, you can try trading without aid, but as you make profits or get stuck into the web of failures, you will have to contact a brokerage firm or any discount broker. However, as a naive trader who wants to hire a broker, you must know the basic legal and financial terminology that applies to the calculation of brokerage using an online brokerage calculator. Then, after thorough research, you can talk to a broker. This process also lasts after you meet a few brokers as you might need to compare their commission percentages and go for the right one who will fit your savings goals. Please visit the Piramal Finance website to learn more about Brokerage Charge Calculator.
08-11-2023
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Other

Online calculator for calculating Public Provident Fund (PPF) maturity amount

If you want to enjoy a stable financial future, it is vital to start saving from an early age. But merely savings will not be enough. You need to invest your money in a savings scheme to create wealth for the future. One of the most popular savings schemes is Public Provident Fund, commonly known as PPF. PPF is a risk-free option to invest your money as you earn a fixed interest declared yearly by the government. If you are new to PPF, you must use a PPF interest calculator to calculate the returns you can get on your money after a given period. To start a PPF account, you can contact an approved bank or a post office branch. A new PPF account is set up in a few minutes, and you can start investing. Read on to learn more about PPF, the PPF account calculator, and other useful aspects of this well-known savings option. [B-01] Need for PPF Account Calculator PPF is a long-term savings scheme where the maximum tenure can go up to 20 years, i.e., 15 years minimum tenure and multiple 5-year extensions. The lowest investment amount is Rs. 500, and the highest amount is Rs. 1.50 lakhs in one year. You might want to start your PPF account soon, but you must know the calculations involved. The money you invest in PPF will earn you interest every month. This interest is re-invested into the PPF account and then earns more interest. You cannot withdraw money from your PPF account before 15 years, as partial withdrawals are available only in some cases. This is compounding, where your money multiplies as the interest earns further interest. These calculations get difficult as the time frame increases. As PPF calculations are technical and can not be done correctly manually, you can opt for a PPF account calculator to help with the task. You can use a PPF calculator monthly to understand how much you need to invest every month in the PPF account. This will help you plan your finances in a better way. What is a PPF Interest Calculator? Before you start using a PPF calculator monthly, it is vital to know what it is and how it can help you. A PPF interest calculator is a tool that will complete the complex PPF calculations for you in a few seconds. It is a digital tool available on some platforms and can automatically complete all types of PPF calculations. A PPF account calculator is free to use, so you do not have to pay anything to use it. Hence, you can freely use a PPF calculator monthly and plan your investments better. Moreover, you do not need to be a financial wizard to use this tool, as only basic details are required for the calculations. Your private details are not required for a PPF interest calculator, so your privacy is also ensured. How to use a PPF Account Calculator? If you have plans to use a PPF calculator monthly, then you must know about the essential steps to use a PPF interest calculator: – Log on to any preferred online platforms or mobile apps offering a free PPF account calculator. Click on the link for the PPF interest calculator on that platform. You will now see the PPF interest calculator on your screen. Firstly, you will be asked to enter the frequency of investment. You can select from monthly, quarterly, half-yearly, and annually. You must enter the amount you want to invest within that period. The minimum annual amount is Rs. 500, and the highest is Rs. 1.50 lakhs. The next field is for the PPF interest rate. In most cases, this will be pre-filled, but if not, then you must enter the current PPF interest rate. Now you must select the duration of the investment. The minimum tenure is 15 years, and there is no limit on maximum tenure. After you press the calculate option, you can see the total amount invested, interest earned, and maturity after the period. You also have the option of seeing these details as a table or as a graph on some platforms. Using a PPF interest calculator, you can easily get useful details on your PPF account. The sequence of options might vary across platforms, but the details required and the results offered will be the same. Benefits of using a PPF Account Calculator There are various benefits of using a PPF interest calculator. Some of the most useful benefits are listed here: Clears doubts: – If you have doubts about a PPF account, this calculator can resolve most of your questions. Free to use: – It is a free-to-use tool, so you can use a PPF calculator monthly to plan your savings without hesitation. Tax Savings: – Money invested in a PPF is eligible for tax education under section 80C of the Income Tax Act, 1961. Hence, you can save on your income tax as well. Wealth creation: – PPF account has a minimum of 15 years of lock-in. This allows your money to multiply with the effect of compounding. You will be able to create wealth for future needs. Easy to understand: – Only basic details are required to use a PPF calculator. The results provided are effortless to understand and analyze for every person. [B-02] Conclusion To enjoy a secure financial future, you need to start investing your money at a young age. But if you have not yet started, you must start a PPF account now. It is an excellent option to create wealth for a secure future. As PPF is a risk-free savings scheme, your money will be secure and free from market risks.
08-11-2023
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Personal Loan

How To Get a Personal Loan with a Low CIBIL Score?

A personal loan is an unsecured mortgage that one can always avail of in need during an emergency or a short-term urgent big expense. Getting such loans is not a big deal if you have a good credit score and income level, but when certain factors are mentioned going down, it becomes difficult to get a loan. This blog will help you understand the importance of the CIBIL score and how you can quickly check your CIBIL score online by Pan number. [B-01] What is a Cibil score? CIBIL is an agency approved by the Reserve Bank of India (RBI). It helps people to calculate their credit scores by checking the CIBIL score. CIBIL stands for Credit Information Bureau(India) Ltd. With the help of the CIBIL score, one can always check their creditworthiness. This score summarizes one’s credit history, the total amount of credit one has taken, how they have repaid, and other factors. Repaying the loan in time, less exposure to credit cards and several other factors can help one build their CIBIL score. The standard CIBIL score lies between 300- 900. The greater the score, the more chances of getting a loan. If one has a score of more than 750, it would be easier for them to avail of the loan. If one has less than 550, it would be a little difficult for that individual to avail of the loan. In such cases, the financial source may increase the interest rate on loans. How to avail of an urgent Loan with a Low CIBIL score? Sounds too good to be true? But it’s true. Even though it may seem impossible to avail of a loan at a low score, it is possible to get a loan. The first thing one should always do is to reassure that their CIBIL score is low, as sometimes the CIBIL report may not be updated. In this case, they should report and get the score corrected. So one should regularly check their CIBIL score. Find a co-applicant. Check their CIBIL score. If one can find a co-applicant with a good CIBIL score, they have a much higher chance of getting a loan. If one with a low CIBIL score somehow manages to find a guarantor(someone liable to pay if one is unsuccessful in paying in time), they may have a much greater chance to avail of the loan. Even if one has a steady income source or another source, they should include this as proof. As a result, they will be eligible for the loan. One can also apply for a lesser amount of loan. One should always think for once from the lender’s perspective, so availing of a loan for a lesser amount is always better than asking for more. Getting a zero credit score or NA, NH in a credit report states that the user hasn’t used the credit card for three years or more than that, then they should explain their case in this scenario, and if the lender agrees, then they would provide the loan for a bit more interest rate. How to check CIBIL score Online using PAN Number? People can always check their CIBIL score online using a PAN number. Transunion CIBIL manages the people’s credit scores, a credit rating bureau. To check your credit score online then, you should : Log in to the CIBIL portal. Click on the link which states to get Your CIBIL Score. Choose your Subscription plan. Provide the required details. Create a secure password. Select income tax ID (PAN) and enter PAN number. Click on Proceed and answer the questions accurately. Finish the process by clicking on the make payment tab. If this is for a single time, then ignore all the subscriptions and proceed to your account. Login to your account using the credentials. Enter the details required. Submit the form at the end to see your desired CIBIL score. One can always do a free CIBIL score check once a year. Or one can also use other identification proofs like Passport, Voter id, or Driving license. If one finds any false statement or report, they can always raise the dispute using the CIBIL website or by post. [B-02] How is CIBIL Score Calculation done? Every credit company has its proprietary algorithm to calculate an individual’s credit score. A CIBIL score calculation is done based on all these metrics: The payment history- This is the main factor that decides the score, how much a person spends and how they manage their balance sheet. This factor attributes approx 30% to the score. Exposure to credit cards – This factor is responsible for approx 25% of the credit score. Credit type and the loan duration – This factor contributes another 25% to the credit score. Other Factors- Other factors may include credit utilisation; one’s recent credit behaviour adds up to another 20% to the credit score. One always has ways to get personal loan, but the approach should be accurate. With the methods as mentioned earlier, one can always avail of a loan and always be cautious of factors mentioned above to improve their CIBIL score.
08-11-2023
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Dream Mobile

India’s 5G mobile phone price list for 2022

This year, our Prime Minister, Mr Narendra Modi, announced that 5G services would be launched in the country. Jio, Airtel, and Vodafone are the network providers committed to providing 5G services by the end of 2022. What a fantastic opportunity to get your hands on 5G mobiles in India! [B-01] What is 5G? 5G is a mobile network that is the fifth generation. It’s supposed to give more users multi-gbps peak data speeds, ultra-low latency, more reliability, a huge amount of network capacity, more accessibility, and a more standardised user experience. It could also bring together the internet, such as content creation, virtual reality, augmented reality, and online gaming. In India, there are now 5G mobiles being made by mobile companies. With so many phones to choose from and different prices, it might be hard for you to decide which one to get. But, don’t worry, we have got you. We’ve listed the prices of the best 5G mobile phones in India for 2022. Apple iPhone 14 Pro Max The Apple iPhone 14 Pro just made its way into the market. One of the best things about it is that it is compatible with a 5G network. It is run by a chipset called A16 Bionic. The screen is 6.7 inches and has a 120Hz refresh rate. It has a retina HDR display. On the back of the phone are three cameras: a 48MP main camera, a 12MP ultrawide camera, and a 12MP telephoto camera. It boasts an always-on display, a long-lasting battery, iOS 16, and cutting-edge safety features, including automatic crash notification, satellite-based emergency assistance, two SIM card slots, and more. The Apple iPhone 14 Pro may be purchased beginning at ₹129,900. Samsung Galaxy Z Fold 4 5G The Samsung Galaxy Z Fold 4 5G is now one of the company’s best products. As you might guess from the name, this phone is compatible with a 5G network. The Qualcomm Snapdragon 8+ Gen 1 chip runs the Samsung Galaxy Z Fold 4 5G. The Qualcomm Snapdragon 8+ Gen 1 CPU is what drives the Samsung Galaxy Z Fold 4 5G. It has a foldable display that is 7.6 inches in size and has a display of 120 Hz. On the back of the device is a triple camera array consisting of a 50MP primary camera, a 12MP telephoto camera, and a 12MP ultrawide camera. It supports the SA, NSA, and Sub6 bands for 5G. The starting price for the Samsung Galaxy Z Fold 4 5G is ₹154,999. OnePlus 10R 5G The OnePlus 10T is currently one of the most powerful smartphones that can be purchased on the market. The 5G mobile network is supported without any problems. It is driven by a Qualcomm Snapdragon 8+ generation 1 processor. The OnePlus 10T has the following 5G bands: 1, 3, 5, 8, 20, 28, 38, 40, 41, 77, 78, and SA/NSA. The display of the OnePlus 10T has a size of 6.7 inches, a refresh rate of 120 Hz, and a punch hole. The starting price for the OnePlus 5T is ₹49,999. Oppo Reno 8 Pro 5G The Oppo Reno 8 Pro 5G has a fast CPU and a battery that can last for an extended period. It is compatible with the 5G mobile network. In addition, it has the following bands for 5G connectivity: 1, 3, 5, 7, 8, 20, 28, 38, 40, 41, 77, 78, and SA/NSA. The screen is 6.7 inches and has a 120 Hz Display with Punch Hole technology. A processor manufactured by MediaTek called the Dimensity 8100 Max can be found within the Oppo Reno 8 Pro 5G. The Oppo Reno 8 Pro 5G can be purchased at a starting price of ₹44,900. Xiaomi 12 Pro Xiaomi has just released its new Xiaomi 12 Pro smartphone for the Indian market. The mobile device is powered by a Qualcomm Snapdragon 8 gen 1 processor and operates on Android 12. It features a refresh rate of 120 Hz with a display that is 6.73 inches in size and uses a Punch Hole. The battery is of high quality and has a longer lifespan as a result. It includes the 5G Bands 1, 3, 5, 7, 8, 20, 28, 40, 41, 66, 77, 78, and 79, as well as SA and NSA. This mobile device has a starting price of ₹62,999. Vivo X80 Series Recently, Vivo introduced the Vivo X80 Series, which consists of the Vivo X80 and the Vivo X80 Pro. The SA/NSA 5G bands supported by the Vivo X80 are the 1,3, 28,38,40,41 bands, whereas the SA/NSA bands supported by the Vivo X80 Pro are the 1,2,3,5,7,38,40,41,66,77,78 bands. Both of these gadgets support 5G connections. Although the displays on both phones are the same size, the one on the pro model has an AMOLED display. The Vivo X80 Pro is powered by Qualcomm’s Snapdragon 8 Gen 1 processor, while MediaTek’s Dimensity 9000 chipset powers the Vivo X80. The Vivo X80 has a starting price of ₹54,999, whereas the Vivo X80 Pro has a starting price of ₹79,999. Motorola Edge 30 Pro The Motorola Edge 30 Pro is compatible with a 5G network. The phone works with SA/NSA/Sub6 5G bands 1, 3, 5, 7, 8, 20, 28, 40, 41, 48, 66, 71, 77, and 78. It has a 144 Hz OLED screen that is 6.7 inches in size. A Snapdragon 8 Gen 1 processor runs it. The starting price for the Motorola Edge 30 Pro is ₹ 42,999. Realme GT 2 Pro 5G The Realme GT 2 Pro 5G is much better than it looks. It works with a 5G network. It works with SA/NSA 5G bands like 5,7,8,20,28,66,77,78. The Snapdragon 8 Gen 1 SoC and Adreno 720 GPU give it power. The starting price of this phone is ₹ 52,499. [B-02] Final Thoughts After reading this article, you will clearly understand 5G supporting mobiles in India, including which are the finest ones to purchase. You may choose one of the options with great ease now that you are well-versed with the mobiles and the prices associated with them. Visit Piramal Finance if you are interested in learning more about 5G mobiles and other relevant topics to this industry. Read more related blogs on their website, or explore their financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Wedding

Top 10 Sherwani Designs for Marriage

Your wedding is most probably the most memorable day of your life. Since you will be surrounded by your family, friends, and loved ones on this special day, you must dress accordingly. Men struggle to zero in on their ideal clothing just as much as women do. Finding the sherwani for men that best suits you, however, may seem challenging given the variety of designs that line the store. To aid you with your pre-Sherwani shopping blues, we have put this blog together. Check out the top 10 Indian Latest Sherwani Designs for Marriage in 2025 if you’re presently preparing your wedding outfit. [B-01] Buy the Latest Sherwani Design for Marriage in 2025 1. Embroidery Designed Sherwani for men You are the day’s hero, so wherever you go, you should be an inspiration. A rich and ethnically embellished sherwani for men would make you the centre of attraction, whether it be worn on the dance floor, the stage, the varmala moment, or the pheras. To give it a royal but elegant touch, one might choose to embroider it with thread or aari. To further spruce up the look, pair this sherwani with witty stoles or striking dupattas. These are perfect for Mehendi and Haldi ceremonies, sangeet celebrations, and ring ceremonies. 2. Printed Sherwani These latest sherwani designs for marriage are the ideal fusion of current and contemporary styles, with a variety of patterns and artwork. The top Indian ethnic wear businesses provide hundreds of printed sherwani options online. You may select from the best sherwanis made with luxurious materials which come in a wide range of colour schemes and styles. To enhance the appeal of your patterned men’s sherwani, pair it with plain bottoms and beautiful jewellery like cufflinks, pins, and chains. 3. Achkan Style Sherwani This Latest Sherwani Design for Marriage is without any doubt aesthetic. No man can resist sporting an Achkan outfit during a wedding. The Achkan sherwani for men creates a great design statement when paired with jackets and churidars. 4. Jacket Style Sherwani For guys who prefer flaunting a stylish appearance, jackets sherwani are the best options. The jacket sherwani design for men has a contemporary conventional-looking sequin design and prints. The sherwani jacket looks best when paired with long pyjamas and a pair of modern juttis or loafers. 5. Mughal Style Sherwani If there was a contest for the season’s best-looking groom then you would stand a chance of winning if you were wearing a sherwani in the Mughal style. The sherwani’s panels or hem might include Mughal embroidery or motifs to enhance the beauty of your important event. Going the Mughal route is a style choice that others will notice, admire, and even covet. 6. Indo-Western Style Sherwani The Indo-Western latest sherwani design for marriage is a trailblazer in its own way. Additionally, the Indo-Western Sherwani for a wedding is decorated with contrasting tones, hues, and colours. If you’re tired of conventional styles, there may be an Indo-Western sherwani for men just for you. 7. Floral Sherwani The greatest wedding sherwani design for wedding rituals is a floral one. When attending wedding celebrations, a flowery sherwani provides you with a lovely appearance. The sherwani’s lovely floral designs give your complete outfit a touch of class. You should try to steal the show at your wedding celebrations with a floral sherwani for men. 8. Jodhpuri Style Sherwani The most elegant sherwani designs for men is those with Jodhpuri patterns. A common belief is that the jodhpuri design is suitable for royal weddings. But it is a misconception, for the jodhpuri style has become practically every man’s preferred outfit because of the elegant appearance it imparts. A royal jodhpuri sherwani needs skilled designers to achieve its beautiful finish. You may match the Jodhpuri sherwani with vests, scarves, and brooches to give it more edge. Don every piece of jewellery and clothing that will make you appear regal. 9. Bandhgala Design Sherwani The Bandhgala Sherwani has a royal look with its neat fit and high-neck style, making it perfect for weddings and formal events. 10. Side Buttoned Sherwani Invest in the latest sherwani design for marriage with a button panel on the side for an edgy look. A side-buttoned sherwani would be a terrific alternative for your wedding appearance if you wish to go for a conventional yet royally sophisticated groom style. Your special occasion would only be enhanced by the regal hues of blue, marsala red, and pastels. To finish the opulent effect, pair it with a contrasting churidar. Tips to Style your Wedding Sherwani Always try the sherwani on to make sure it fits your body properly. Choose hues that go well with your skin tone. Try experimenting with other bottom wear options rather than sticking with the traditional Churidar. Remember your accessories, such as beaded chains. For an aristocratic effect, wear a shawl or dupatta in a contrasting colour. Along with a pair of ethnic shoes, you can choose a turban or other headwear. [B-02] Conclusion When it comes to selecting a perfect sherwani design for the wedding, make sure you look for comfort. Plus, don’t try to overdo the accessories. If you are wearing a plain sherwani, then you can wear it with a Kundan-pearl set for men and add broaches. But if you are wearing a printed sherwani, a Kundan set might not highlight the look, instead, you can wear a drape around with modern juttis. Remember, you not only have to select a perfect sherwani for the wedding, but also have to pair it perfectly. Read more related blogs on the Piramal Finance website to explore our financial products and services, especially those on personal loans, credit cards, and financial calculators.
08-11-2023
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Wedding

11 Reasons to Buy Pathani Suits Online in India

Pathani suits are in fashion these days among men. It is a traditional outfit similar to the kurta pajama style. It has a loose fit which makes it a very comfortable dress. It is a must-have dress in every man’s wardrobe. It makes you feel confident and looks good. You can wear the Pathani dress for both casual and formal occasions. You can even wear them for festivals, parties and other celebrations. You can wear them for family functions and office events. You can turn heads and impress people around you in this dress! You can buy Pathani for men from physical stores or online. However, most men now prefer to buy Pathani dresses from online shopping websites. [B-01] Pathani Suits Online Shopping Advantages Here are 11 reasons why it makes good sense to purchase Pathani dresses online: 1. Greater Variety Online stores have a huge collection of Pathani dresses. You get several options to choose the suit you like the best. You can search for different designs, colours, prints, fabrics and styles. There are also choices in types of buttons, collars and sleeves. You can even choose the Pathani suit as per the occasion. 2. Suggestions for Add-Ons and Accessories You need a trendy jacket or a pair of traditional footwear. These can complete the look of Pathani suits for men. Usually, you have to visit different physical stores to buy add-ons and accessories. This is time-consuming. However, online sites give suggestions for these things on the same page. You have to click on the link to make the purchase. 3. Ease and Convenience Within a few clicks of buttons, you can buy Pathani suits online. Say goodbye to walking through the crowd or long queues—no more worrying about parking space ever. Moreover, you get your dress delivered to your doorstep. This saves you a lot of time and effort. The process is also less stressful. 4. Lower Prices Online shops sell Pathani suits for men at affordable prices. You may get offer coupons, discounts and cashback around the year. Buy these dresses at much lower prices and within your budget. 5. Comparison When you buy Pathani suits online, you can quickly compare them across different websites. You just need to visit different websites selling these dresses. You can compare prices, styles, deals and offers. This type of extensive comparison is very slow and timewasting in physical stores. This quick and convenient comparison ensures that you get the perfect dress of your choice. 6. 24/7 Shopping Online shopping sites are open 24/7. You only need a mobile phone/laptop and an internet connection. Shop for Pathani suits anytime or anywhere. Whether at home, in the office, café or different country, you can place an order whenever you like. 7. Customer Reviews and Ratings Go through customer reviews before buying Pathani suits. Even check for the number of stars the dress has received on a rating scale. You can easily get this information on the shopping website or social media. You can see the likes and comments of people who have purchased the dress. It helps you gauge the quality of the Pathani Suits online. 8. Easy Returns Do you want to return or exchange Pathani for men from a physical store? You need to visit personally. Some stores don’t even have a return or exchange policy. However, online shopping websites have an easy return and exchange policy. This policy is usually valid for 7 to 30 days. The best thing is that they pick up the return order from your doorstep. You can request an exchange. They sent people to pick up and return from your address. No need to go anywhere! 9. Refunds Most physical stores do not have a refund policy. It might create a problem if you want to return the Pathani suit. Generally, you can buy the same attire in different sizes and colours as an exchange. Or you have to buy something of the same price. This is not the case in online shops selling Pathani dresses. Most online websites refund the money if you are unsatisfied with the dress. They credit it back to the source of payment. You can use it for any other purpose. 10. Wide Choices in Brands Online shopping stores keep a stock of several brands of Pathani for men. Explore all the brands and choose a dress that fits your expectations. Are you looking for a specific brand unavailable in your city? You can easily find it online. You can get your hands on high-priced exclusive suits online. You can show off your branded Pathani outfit to your family and friends. 11. Better Customer Service Let’s say you have some query, complaint or issue with the Pathani suit after purchase. Physical stores hardly have any dedicated customer service facilities. You have to make several calls or visit the store to get a resolution. Online shops have 24/7 customer help centres. You can get in touch over call, email or chat. [B-02] Final Thoughts Pathani suits are trending in men’s fashion. It offers a unique look for any body type. Shop online if you want to shop for the latest styles and variety. Read more related blogs on the Piramal Finance website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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