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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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Study Abroad Tips That You Will Actually Need

The prospect of going to a foreign country as a student can be a set of mixed reactions. You feel excited about the idea of exploring new avenues and learning. But, at the same time, you may have apprehensions and worries with the notion of being all alone in unfamiliar surroundings. There are a lot of things that may not be under your control abroad. Things such as food, the hostel, your academic environment or even the local safety for that matter are some of them. That being said, there are indeed certain aspects that you can take care of in...
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Still Deciding on a Personal Loan? We’re Here to Help!

These days, many people are resorting to personal loans when they are unable to arrange money from other sources. Unfortunately, there are lots of misunderstandings about personal loans that prevent people from making the best use of this financial instrument. Let’s see the what(s), when(s), where(s) and how(s) of personal loans to better understand the actual reality. Personal loans are unsecured loans that are offered to applicants after assessing their credit history and loan repayment capacity. Since these are unsecured in nature, (i.e. the borrower does not need to bring in any collateral), the personal loan interest rates are higher than those of other secured...
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6 Types of Insurance Providers for your Two Wheeler

Accidents on roads don’t come calling you out. With reckless drivers swerving their rides on an equally pathetic road, things could get worse in the blink of an eye. To top that, if there is a bad weather, you are somewhat doomed. One slip from your bike and your hard-earned money flows out of your bank account like water. Yet, one should always be prepared. Therefore, there ought to be some risk protection and that comes with a decent bike insurance plan. With matters of money, you should not hurry. You had bought your bike with a lot of money. It’s...
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Guide to Taxation for NRIs

NRI TaxationOne of the most difficult things for a Non Residential Indian (NRI) is to understand the taxation process in India. It includes how the taxes are calculated, and when the income tax department considers an individual as non-resident. Let us decode the taxation process step by step.  A Taxpayer is categorized as NRI when:   1.       An individual resides in India for a period of less than 182 days during the year for which income tax is accessed. OR An individual, who has spent 365 days or more in India for 4 preceding years spends less than 60 days in India...
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What You Should Know If You Are Paying Pre-EMI on Home Loan

  Have you figured out if you are paying Pre-EMI or EMI for your housing loan? If not, then it is high time you understood the difference between the two. When you are taking a loan to purchase an under-construction property, you might not notice if you are paying Pre-EMI or EMI for the loan amount. You know that you have to pay a certain amount of money every month either to your lender or to the bank. Some lenders may provide you with the flexibility of paying EMI after you get possession of the house. While this may be a...
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Plan Your Expenses & Save using Bank Offers

If you’re someone who spends a lot of time surfing the web in search of interesting ideas and content, you might come across numerous cool deals and offers from reputed online sellers with deals offered by top brands, manufacturers and service providers. While these cool offers are available to all online surfers, there is a useful trick that can help you enjoy even better deals from such reputed firms. All you need to do is apply for a debit card offered by a reputed bank like Kotak Mahindra Bank Ltd. to enjoy special offers available for Kotak Bank debit card. Once...
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Benefits of E filing of Income Tax Returns in India

  Electronic filing of tax returns has become compulsory for all corporate assessees and for all individual assessees earning more than Rs. 5 lakhs in a year. Today, a significant proportion of the tax assessees in India have come under the ambit of electronic filing of tax returns. Electronic filing is a win-win situation for tax payers as well as the government. With smartphones, Internet, and technology becoming a part of our daily lives, the incorporation of technology in an important transaction like filing of tax returns can offer numerous benefits to all the parties involved in the transaction.   Benefits...
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New Age Banking - Simplest and Easiest Way to Pay Utility Bills on Time

While easy access to numerous products and services offer numerous benefits, it also brings about the added responsibility of making all utility payments on time. There was a time when utility payments consisted of paying the telephone and electricity bill before the due date.   Today, one needs to keep a track of payments for prepaid and postpaid mobile services, DTH services, gas connections, loans and credit cards, insurance policies, magazine subscriptions, and a lot more. This is where New Age banking services provided by reputed bankers can make a huge difference to your lives.   Utility Payments - Past and...
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Take a Personal Loan To Fulfil Last Minute Wedding Expenses

Wedding is one of the most looked forward to and once in a lifetime event in a person's life. However, we all know that with rising expenses, the emotion of the bride or bridegroom can be subdued. For an event as grand as a wedding, you want to ensure to leave no stone unturned. But the question arises how does a person with limited means achieve this goal.   This is especially true because major heads like outfits, jewelry, venue, catering; etc end up costing a lot more than what you may have budgeted for. For outfits, even non-designer wear costs...
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Don’t Get Locked, Generate Card Pin Instantly!

With a debit card in your hand, you can buy stuff, pay bills, and withdraw cash without having to make repeated visits to your bank. However, this also means anybody who holds your debit card can use your funds without any restrictions whatsoever. To minimize risk of such unauthorized transactions, banks have made it mandatory for all debit card transactions to be confirmed by the card’s PIN. While this is a great move from the security point of view, it also means you need to keep remember your PIN every time you want to make a payment through the card.  ...
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