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Education

India's Highest Paying Government Jobs after Graduation

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

08-11-2023

Personal Loan

How to Calculate Foreclosure of a Loan?

No one ever wants to pay additional interest on a loan, everyone tries to pay off their loans asap. You might have taken a loan during a need but as soon as the funds are arranged, you want to close the loan. This procedure is called foreclosure of a loan. You can consider a foreclosure of a loan before the tenure ends by paying some pre-decided penalty and saving interest amounts. Here is how you can consider using a loan foreclosure calculator to know the exact amount of penalty to be paid in case of foreclosure. [B-01] What is Foreclosure Of A Loan? Let’s understand the term loan foreclosure in detail. Generally, you need to repay the loan using Equated Monthly Instalments for a decided period to cater to the amount. Here in loan foreclosure, the case is different. You can be debt free or free yourself from recurring EMIs by considering a foreclosure of a loan by paying the remaining principal amount and some pre-penalty charges. It will be a lump sum payment option to close the loan. This step to pre-close the entire loan amount before the due date is called loan foreclosure. You can pre-plan the foreclosing month after completing the lock-in period of paying EMIs. This pre-planning will help you to arrange the amount after foreclosure calculations. How to use the Foreclosure Calculator? Once you decide to foreclose the loan amount, your next step is to know the total repayment. Choose a month in which you will repay the amount. Then you can do loan foreclosure calculations to get an exact amount. Alternatively, you can also consult your lending partner. They will tell you penalty charges and offers if you are ready to foreclose the loan. The loan foreclosure calculator calculates the outstanding balance of the loan. It also shows interest amounts after analyzing the remaining EMI. Here are the components to calculate the loan Foreclosure amount. Total Loan Amount Pending Loan Amount Tenure to Close the Loan Rate of Interest Number of EMIs Paid Already Foreclosure Month Loan Foreclosure Penalty Charges Above mentioned factors will give you an idea of how much you will be paying extra on a foreclosure. Let’s take an example to understand better. Suppose you have taken a loan of RS 2,50,000 for your home. The repayment tenure is 24 months with an interest rate of 6%. After paying 6 EMIs, you wish to pre-close the loan in the 7th month. Now let us calculate the foreclosure amount considering these numbers. Below are the amounts you will get from the calculator. Foreclosure Amount Rs. 1,90,277 Monthly EMI Paid: Rs. 11,080 Interest Paid: Rs. 6,758 Interest Saved: Rs. 9,166 Interest before Foreclosure: Rs. 15,924 Foreclosure of Loan – Step-by-step Guide Every bank and financial institution has a slightly different payment process for loan Foreclosure. They also have a difference in charges and terms. So we suggest you follow the below-mentioned steps for loan foreclosure. Find the nearby branch You can’t foreclose a loan online. Therefore you will need to visit the nearest branch of your bank. You can also contact the customer care team and ask about the process. Submit an application The officer at the bank or the customer support representative will guide you through the process. In the next step, you will need to apply for a loan foreclosure. You can obtain the application form from the branch of your bank. Documents submission You will need to provide certain documents for foreclosing the loan. Attach the necessary documents mentioned by the bank. The most common are: Identify Proof PAN Card Aadhar Card Loan Document Loan Account Details Bank Statement for the proof of EMI payment Payment Here comes the crucial step for which you are reading this article. Your bank will check and verify your documents. Once done, they will calculate the loan foreclosure amount and inform you. It will include the remaining principal amount, penalty charges, and taxes. Post calculations, you will be asked to clear the due amount within the stipulated time. You get multiple payment options, like Demand Draft, RTGS, NEFT, or cheque. So you can choose any one of them according to your convenience. Document Receipts Your bank will do the rest of the formalities for loan foreclosure after clearing all the due payments. It involves stopping EMI reminders, returning all the original documents to you, and providing a clearance certificate. All these activities by the bank will take up to a couple of weeks. You will get the following documents: Acknowledgement letter Loan foreclosure payment receipt NOC to close a home loan No Due Certificate Loan Closure Certificate Inform Credit Rating Agencies This one could be the last step of loan foreclosure. Inform the credit rating agencies after paying the due amount and completing all the formalities. Rating agencies will update your credit score accordingly. It is crucial if you are planning to apply for another loan. What is the Loan Foreclosure Month? It is the month when you pay an outstanding loan amount before the due tenure. Your bank should stop EMI calculations and notifications from that month. You can refer to the before-mentioned example to know what foreclosure month exactly is. It is the 7th month you can consider to be a foreclosure month. What are the Penalty Charges for Foreclosing a Loan? You are liable to pay a certain percentage of the outstanding loan amount at the time of foreclosing. It is a prepayment penalty for loan foreclosure. This prepayment penalty charge varies from 2 to 5 per cent from bank to bank. You also have to pay applicable taxes. Every bank charges this penalty to compensate for the lost interest that occurs due to the prepayment of the loan. Do loan foreclosure calculations carefully and maintain your financial position. [B-02] Conclusion You need to have a plan and calculate a foreclosure loan amount. Consult your bank and apply the proper procedure as mentioned above. Also, make sure to inform your bank 30 days in advance that you are foreclosing the loan. Visit the official website of Piramal Finance to know the nuances of foreclosure of loans. Do not forget to check their products and services.

08-11-2023

Guide

Finding the Aadhar Number By Name And Date Of Birth

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

08-11-2023

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

Electronics

Best HP Laptops to Buy under 30000 in India

HP is a renowned brand and we all know that. From budget-friendly laptops to high-end luxury ones, HP offers some of the greatest laptops. If you want to upgrade your personal computer, or you want to gift it to someone, choosing an HP laptop can never go wrong. You have many options to pick from the various models available. We have listed a few categories below, to make an easy choice for you. Here are some of the great options you can go for to get the best HP laptop under 30000 and the best HP laptops under 20000. [B-01] HP 15s The HP 15s is a sleek and lightweight laptop designed for everyday tasks. It features a 15.6-inch display, providing a comfortable viewing experience for work and entertainment. Equipped with an Intel Core i3 processor, 8GB RAM, and a 512GB SSD, it ensures smooth performance and quick data access. The laptop also offers multiple connectivity options, including USB Type-C and HDMI ports, catering to various peripheral connections. Key Features Display: 15.6-inch Processor: Intel Core i3 RAM: 8GB Storage: 512GB SSD OS: Windows 11 OS Type: 64-bit Clock Speed: 3.0 GHz Graphics: Integrated Intel UHD Battery: 3-cell The HP 15s falls slightly above ₹30,000 for higher configurations, so it's best to check for available models within budget. HP 255 G9 The HP 255 G9 is a budget-friendly laptop that offers reliable performance. It comes with a 15.6-inch HD display, an AMD Ryzen 3 processor, 8GB RAM, and a 512GB SSD, making it ideal for students and professionals who need efficiency on a budget. The durable design ensures longevity, while its processing power enables smooth multitasking. Key Features Display: 15.6-inch HD Processor: AMD Ryzen 3 RAM: 8GB Storage: 512GB SSD OS: Windows 11 OS Type: 64-bit Clock Speed: 2.6 GHz Graphics: AMD Radeon Integrated Graphics Battery: 3-cell The price of the HP 255 G9 varies based on configuration, so check for models within the ₹30,000 range. HP Laptop 250R G9 The HP 250R G9 is a business-friendly laptop designed for everyday productivity. It features a 15.6-inch display, an Intel Core i3 processor, 8GB RAM, and a 512GB SSD, offering a good balance between performance and storage. This laptop also includes essential connectivity options like USB Type-C and HDMI ports, making it ideal for professionals. Key Features Display: 15.6-inch Processor: Intel Core i3 RAM: 8GB Storage: 512GB SSD OS: Windows 11 OS Type: 64-bit Clock Speed: 3.0 GHz Graphics: Integrated Intel UHD Battery: 3-cell HP 250R G9 models with these specifications may be slightly above ₹30,000, so it’s best to check the latest pricing. HP 14Q AMD Dual-core Windows 10 under 30000 Introducing the all-new HP 14q Notebook. This laptop has an AMD Dual Core processor, 4Gb RAM, and storage of 256 Gb SSD. This laptop costs between 23k to 24k. This laptop features a robust, full-length and ergonomically constructed full-size island-style keyboard. You can conveniently use it for long working hours. It won’t have issues such as battery swelling or overheating. The laptop is small in size and light in weight, hence you can carry it easily. It is one of the best HP laptop under 30000 in India. Key Features 14-inch display RAM 4 GB AMD Dual Core processor 256 Gb SSD OS – Windows 10 Home Basic OS type – 64 bit Display size – 14 inch Display resolution – 1366 X 768 pixels Capacity – 4 Gb SSD – 256 GB Processor – AMD Dual-core A9- 9425 Clock Speed- 3.1 GHz Graphic – AMD Radeon R5 Battery cell – 3 HP 15q-dy0007au| 1 TB HDD| AMD Dual Core A9 | The HP 15q is designed keeping your needs in mind. This laptop comes with 4GB RAM and 1 TB HDD. It has a sleek design and quick processing speed. HP 15q Intel is lightweight and thin, you can carry it conveniently in a bag without hassle. The laptop has a premium Li-Ion battery, ensuring that there aren’t any battery issues. This Hp I5 Laptop comes with a microphone and headphone jack. It has a full-size Island-style keyboard, ensuring you have a smooth typing experience. This laptop comes to around 26k to 27k, one of the best HP laptop under 30000 in India. Key Specifications 15.6-inch display Intel core i3 processor 4GB RAM 1 TB HDD Storage OS – DOS OS type – 64 bit Display size – 15.6 inch Display resolution – 1366 X 768 pixels Processor – AMD Dual Core A9-9425 Clock Speed- 3.1 GHz Graphic – AMD Radeon R5 Battery cell – 3 cell HP 15- BG004AU AMD Quad core | Windows 10 | 4Gb | 1 TB HDD If you are looking forward to upgrading your laptop, then HP 15- BG004AU AMD Quad core could be the best option for you. This laptop has a full-size island-style keyboard that is ergonomically built to ensure that you may work in comfort for extended periods. The HP 15-BG also features a high-quality Li-Ion battery that ensures no overheating or issues of battery swelling. This HP 15-BG laptop is available in India for between Rs 27,000 and Rs 28,000. Moreover, this laptop comes with a one-year warranty starting the date when you purchase it. This could be a good option when it comes to buying a budget laptop. Key Specifications 15.6-inch Display AMD Quad-core Processor OS – Windows 10 OS type – 64 bit Display size – 15.6 inch Display resolution – 1366 X 768 pixels RAM – 4 Gb Storage – 1 TB HDD Processor – Quad-core A8-7410 Clock Speed- 2.2 GHz Graphic – AMD Radeon R5 Battery cell – 4 cell HP Chromebook , 4Gb | 64Gb The HP 11a-na0004MU is a good option under 20000. Built on the Chrome OS, you can have an easier time doing everyday tasks. Feel the power of the MediaTek Kompanio 500 processor as it propels the presentation to new heights of fluidity and sophistication. It doesn’t let users slow down in terms of productivity, so both the quality and quantity of the work will never suffer. This laptop has top-tier graphical execution, ready to take your gaming experience to the next level. This laptop’s 64GB of storage space makes it ideal for storing large media collections or multiple copies of important documents. Discover lightning-fast performance thanks to cutting-edge tech. It is compact and light, making it easy to carry. It has a long battery, ensuring that you use it comfortably, even while travelling. The cost of one of these portable computers is Rs.17,000 to 18000. It is one of the best HP laptops under 30000 In India and Hp Laptop Under 20000. Key Specifications 11.6-inch Display MediaTek Kompanio 500 processor 4Gb memory OS – Chrome OS™ Display size – 11.6 inch Display resolution – 1366 X 768 pixels RAM – 4 Gb Storage – 64Gb eMMC Clock Speed- 2.0 GHz Graphic – MediaTek Integrated Graphics Battery cell – 2 cell Security Management – H1 Secure Microcontroller [B-02] Conclusion Determine the needs first, then shop for the finest HP laptop based on your needs. Although HP is a dependable manufacturer, the specific model is going to have its own set of advantages and disadvantages that may affect your overall satisfaction. Keep in mind that HP offers a wide variety of laptops, from those intended for the general public to those who have their businesses, gamers, and artists. It is important to carefully consider the specifications and features you’ll need. So here we have given some of the best options for HP laptops under 30000 and 20000. You can also check the official website of Piramal Finance to get easy financing options or for more related blogs. You can also explore their financial products and services, such as personal loans, credit cards, and financial calculators.

08-11-2023

Electronics

Samsung Smart TV 32 Inch Price In India

The Samsung brand is very famous for its TVs, mobile phones, and other appliances in the market. Samsung TVs are known to be of the highest quality, and they have been around for decades now. It is because they have incorporated the most advanced technology in their television lineup. Samsung TVs come in different sizes, qualities, and price ranges. This blog will discuss the Samsung Smart TV 32 Inch Price in India and what you should expect. A 32-inch television is the standard size for most living rooms. It is also a size that most buyers prefer as it offers a great viewing experience. There is a plethora of options available in the market to choose from. The Best LED TV In India is the Samsung 32-inch TV. [B-01] Samsung Tv 32 Inch Price List In India The Samsung Smart Tv 32 Inch Price starts from INR 18,900 and goes all the way up to INR 28,900. Some of the top options for the Best LED TV In India include: Samsung T4010 HD TV Display: 32-inch LED-backlit LCD Pixels: 1366 x 768 pixels Connectivity: 2 HDMI inputs, an in-built digital tuner, and 1 USB port Audio: In-built speakers and optical audio output Power supply: AC 100 – 240 V, 50/60 Hz Supported audio formats: MP3, WAV, AC3, and WMA The price for this model is INR 18,900. Pros Cons 1-year warranty No 3D TV display HD-ready screen resolution No WiFi connectivity Good audio and video results at this price For more details and to purchase this model, visit the official Samsung website here. Samsung T4340 Smart HD TV Display: 32-inch display LED backlightingPixels: 1366 x 768 pixels 720p HD resolutionConnectivity: 2 HDMI inputs, 1 USB inputAudio: 2 speakers with 20 W output The price for this Samsung 32-inch TV is INR 22,900. Pros Cons Complete smart TV with WiFi connectivity No 3D TV display 1-year warranty No universal control remote Bluetooth For more details and to purchase this model, visit the official Samsung website here. Samsung TE40A Smart HD TV Display: 32-inch LED display Pixels: 1366 x 768 pixels Connectivity: 2 HDMI ports, 1 USB port Audio: 2 speakers supporting MP3, WAV, and WMV formats This Samsung Smart TV model costs INR 24,400. Pros Cons Smart TV with WiFi No universal remote control Very lightweight at 4.1 kg with stand No touchscreen features Multiple supported video formats For more details and to purchase this model, visit the official Samsung website here. Samsung T4310 Smart HD TV Display: 1366 x 768 resolution with a 178-degree viewing angle Connectivity: 2 HDMI ports, 1 USB port, and 1 headphone port Audio: 2 speakers Supported Video Formats: MP4, WMV, FLV, and AVI This Samsung Smart TV model costs INR 23,900. Pros Cons Access to Samsung’s Smart TV platform No internet access in remote Superior video features including Wide Colour Enhancer, Hyper Real Picture Engine, Picture Quality Index (PQI): 500, Analog Clean View No 3D TV Very lightweight at 3.8 kg For more details and to purchase this model, visit the official Samsung website here. Samsung T4350 Smart HD TV Display: 1366 x 768 resolution LED screen Viewing Angle: Wide viewing angle of 178 degrees Connectivity: 2 HDMI ports, 1 USB port Audio: 2 speakers with 20 W output The price for this model is INR 24,900. Pros Cons Dynamic Contrast Ratio of 1000000:1 No 3D TV Very lightweight at 3.7 kg No touch controls on remote Smart TV features with WiFi For more details and to purchase this model, visit the official Samsung website here. Samsung T4600 Smart HD TV Display: LED screen with 1366 x 768 pixels Audio: In-built speakers with 20 W output. Connectivity: 2 HDMI inputs, 1 USB port, and 1 headphone port Design: 74 mm with 55 W input power This Samsung Smart HD TV costs INR 26,900. Pros Cons Access to streaming apps like Netflix, Hulu, and Amazon Prime Video Heavy with 4 kg weight Motion Rate 60 for clear, smooth picture No touchscreen or curved TV display Internet access on remote For more details and to purchase this model, visit the official Samsung website here. Samsung T4900 Smart HD TV Display: 32-inch LED display Pixels: 1366 x 768 resolution Connectivity: 2 HDMI inputs, 1 USB port, and 1 headphone port Smart Features: WiFi, Bluetooth, and screen mirroring Audio: Speakers with 40 W output This is one of the Best LED TV In India, with a price of INR 28,900. Pros Cons Samsung Smart TV platform Relatively thicker at 74 mm Internet access on remote For more details and to purchase this model, visit the official Samsung website here. Why Is Samsung 32-Inch TV The Best Led TV In India? After comparing the various features of Samsung 32-inch models, it is evident that the best one is Samsung T4900 Smart HD TV. There are many reasons why this Samsung 32-inch TV is the Best LED TV In India. It has excellent display quality with full HD resolution. This ensures that you enjoy crystal-clear images and videos. Furthermore, it comes with a wide variety of features and functions, such as Smart View. This feature allows you to mirror your smartphone’s content on your TV screen. This model is also very user-friendly and easy to operate, owing to the intuitive Samsung Smart Hub interface. Additionally, the Samsung Smart TV 32 Inch Price is also quite reasonable, which makes it a great value-for-money proposition. [B-02] Final Word Owing to the economical Samsung Smart Tv 32 Inch Price, the 32-inch TV models by Samsung are some of the Best LED TVs In India. Many people in the country use these models, which also makes them quite popular among those looking for a high-end TV within a budget. Additionally, these models are also available in both online and offline stores. They also have a low power consumption. When you look at the Samsung Smart TV 32 Inch Price, you will also find that the prices are very reasonable in comparison to other popular brands. Piramal Finance is an excellent financial platform for those looking to buy the Best LED TV In India. Know how to apply for easy financial solutions like personal loans and manage your personal finances by visiting their website today.

08-11-2023

Guide

How Can I Change My Mobile Number In Aadhar Card Online Without OTP?

Your Aadhar card is a unique identification document. It contains your essential biometric information. Unique Identification Authority of India (UIADI) issues these cards to any individual in India. Linking a mobile number with different services is mandatory to benefit from other services. The registered number related to the card will receive all OTPs. However, if you lose this number, you may have to change the contact information linked to your card. You can easily Link your Mobile Number To your Aadhar Card Online. But, to change your mobile number, it is best to visit an enrolment centre. Why Is It Important? Aadhar card contains a 12-digit number. It is a unique identification number with proof of address from an individual. Today, most banks, telecom companies, income tax departments, and other authorities demand an individual's card number. With it, they verify the details and identity of the person. Also, the card contains your vital biometric information. It includes a scan of your iris, fingerprints, and address details. Hence, it is widely accepted as proof of identity. Thus, it is beneficial to link the mobile number to the Aadhar card online for several reasons. Importance Of Updating Details Today, this card is an important verification source to authenticate an individual's background. It is an innovative and transparent way to verify personal identity. UIDAI stores all the data relating to an individual at an authorised digital warehouse. When enrolling for it, you need to provide a contact number. You can get an Aadhar Card Mobile Number Check online. It is not mandatory to provide a mobile number. But if you want to enjoy online facilities, it can be beneficial to link your mobile number to an Aadhar card online. Find out how to Change your Mobile Number In Aadhar without generating OTP below! How Can I Change the Mobile Number in the Aadhar Card Through Offline Mode? You can process the Aadhar Card Mobile Number Check online. However, you may not have your registered number with you. You could also want to update your mobile number, add an alternate one, and Link your Mobile Number To your Aadhar Card Online. What to do in this scenario? Here are some steps that you can follow. Visit the official website https://uidai.gov.in or https://resident.uidai.gov.in. Click on the option to avail of ‘Aadhar card’ services. Enter your 12-digit card number. Alternatively, you can provide your UID or VID. A VID is a 16-digit virtual identification number. You can also furnish your EID, which is a 28-digit enrolment ID. Enter the security code that appears correctly. Click on the checkbox that reads ‘click if you do not have a registered mobile number.’ Here, you can enter either an alternate or non-registered mobile number. Now click on ‘Send OTP’. Click on the checkbox that states the terms and conditions. Click on the submit button to complete the OTP verification process. Check the details of your card at the next step. Make sure to authenticate them before proceeding. You will have to make payment at the next step. The page will redirect to a payment gateway. After making the payment, you will receive a receipt. Download and save it for future reference. You will also receive an SRN via SMS. On this website, you can check the status of your card. All you need to do is to enter your SRN. Once the Department of Post dispatches your card, you will receive an SMS with the AWB number. You can also track the card's delivery status here. So this is how you can ensure an Aadhar Card Mobile Number: Check or Change your Mobile Number in Aadhar. However, you may not have your registered number to receive the OTP to Change your Mobile Number In Aadhar. In this case, you will have to visit your nearest enrolment centre. Here, you will be able to avail of different services. These include linking your mobile number to your Aadhar card online and seeking a change in your registered mobile number. You must register a mobile number with UIDAI. All UIDAI online facilities require OTP verification, so you must register a mobile number to receive them. Registering a mobile number allows you to enjoy many online services. The offline method of adding a new registered number prevents users from tampering with personal details. You can book an appointment at an enrolment center. You can use your PIN code to search the relevant centres near you. After locating a centre of your choice, search for an ideal date and time. Confirm your selection to make the final booking of your appointment. [B-02] Conclusion This article provides an overall understanding of conducting an Aadhar Card Mobile Number Check without OTP. Note that you cannot link multiple mobile numbers with your card. But you can link the same mobile number with multiple cards. You can change your registered mobile number with your card, with or without OTP. Make sure to update your registered mobile number. It will help you receive notifications on time. If you need more guidance with the processes mentioned above, consult the experts at Piramal Finance. This online platform is where you can learn everything about banking and 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

Personal Loan

Celebrate the Festive Season with a Personal Loan

Festival season is a time for celebration and joy. Nothing beats the happiness of gifting your loved ones. However, you will need funds to cover festive expenses like gifts and the beautification of your home. Do not let a lack of funds dampen the festive spirits this year. A loan is a great option to celebrate the festivals in style. What about the hassles of applying for a loan? You are not alone in thinking loans are difficult to procure. There are various types of loans available. Most of them are offered on collateral. Loans like housing loans, vehicle loans and business loans are offered for specific purposes. However, you need a loan that you can use as per your needs. Personal loans fit the bill here. [B-01] You can take personal loans to celebrate your favourite festivals. Personal loans can be given with or without security. This depends on your income and the amount you wish to borrow. It is easy to apply for a personal loan. It is also disbursed quickly. There are different kinds of personal loans and different ways to get them. Various festive loans are also available during this season. Learning more about such loans will help you make informed decisions. Benefits of Taking a Personal Loan Many people turn down personal loans due to their higher rates of interest. However, they also have various benefits. Debt Consolidation Do you have various loans? Is it difficult to manage the EMIs of all your loans? The good news is, that you can use personal loans to pay off all your debts. This will also help build your credit score. Offers Funds for Emergencies You may have planned your finances well. However, if there are emergencies that require additional funds, personal loans can help you. The best part is that they are disbursed quickly without hassles. Serves Various Purposes The USP of personal loans is that they can be used in many ways. A personal loan can help you pay pending bills. It can fund your air tickets to celebrate festivals with loved ones. The uses are many. Types of Personal Loans This information should give you a good idea of how personal loans work. It is also important to understand their subtypes. Only some banks offer different types of personal loans. Some basic types of personal loans are given below. Festive Loans – These loans are like personal loans, but more appealing. They offer great deals with lower rates of interest and no extra costs. Festive loans are offered only for a specific time of the year. These loans also have a minimum limit. Credit Builder Loans – Most people use this loan to improve their credit scores. This will help them get great deals on any future loans. Debt Consolidation Loans – Want to pay back a friend but don’t have the money? Consolidating debt is a great choice for anyone. This will help you repay your debts and keep your records clean. Holiday Loans – Holiday loans spread the cheer! They take care of all your holiday expenses. Home Improvement Loans – A festival needs a beautiful house to decorate and entertain family and friends. It is the right time to apply for a home improvement loan. Drab walls, old fixtures and loose tiles? You can finally get all those issues fixed. This festive season, let the home shine in and out. Marriage Loans – A big fat Indian wedding indeed exists on everyone’s bucket lists. Don’t let a lack of funds spoil your dreams. Apply for marriage loans and make your dreams come true. This loan will cover all the marriage expenses such as food and decoration. Vacation Loans – Expenses for a vacation come with an endless list. This loan will cover everything from shopping to ticket bookings. Now you can heave a sigh of relief! You can relax and have a great time on your vacation. Role of Credit Score in Applying for Personal Loans CIBIL stands for Credit Information Bureau (India) Limited. This score will tell the lenders how reliable you are. This is based on your history of credits. The Credit Score is a vital part of getting a personal loan. Banks use the CIBIL score to decide whether or not to give a loan. CIBIL score ratings can range between 300 and 900. A score above 750 will help you get deals on loans. Most of these loans do not need mortgages and are not secured by assets. Hence, the CIBIL score is very important for building a lender’s confidence. Conclusion Festivals come with a lot of expenses. Lack of funding may prevent you from enjoying your festivals. Celebrate festivals in style with personal loans. Some banks may also offer festive loans to celebrate festivals. Personal loans are great for paying off or settling pending expenses. The best part about personal loans is that they do not require collateral and will be disbursed quickly. They also require less paperwork. Personal loans can be used for various purposes. You can use the amount for buying gifts or repairing homes. You can use it for holidays or pay off debts. Another option is to consolidate all your debts with a personal loan. Personal loans are an excellent option for resolving financial problems. The scope is endless. You can make informed decisions with adequate research. Visit Piramal Finance for more information on festive loans. Piramal also has information on a wide range of related topics. You can learn more about various services offered by Piramal. This will help you manage your finances with ease.

08-11-2023