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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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Rachita Kotian is an independent blogger and writing has been her passion for a long time. A literature major, she loves exploring the world of health, lifestyle, travel and finance. When she’s not writing, she’s most likely listening to music, cooking, surfing the web, or catching up on the latest flick.

What are smallcase investments? - A Ten-minute Guide

  There are many ways to invest in the stock market. Either you can contact a broker to buy individual shares or you can invest directly in an equity fund. However, like everything else, the investment market is changing every day. The smallcase technology is a modern way of investing in stocks. The brokerage services are now presenting the investors with an option to buy an entire stock portfolio. These portfolios are built around a theme, and it can benefit you largely. This facility is presented by a platform that has been developed by a Bengaluru-based company, named Smallcase Technologies.  This...
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What are the Documents Required for an NRI Home Loan?

Non-Resident Indians (NRIs) can also buy properties in India with the help of NRI home loans. For this, they can apply to any Indian lending institution. The home loan eligibility for NRIs is as follows, Age of the applicant should be at least 24 years, whereas the maximum age limit is 60 years at the time of loan maturity. The applicant should have six months overseas working experience with total work experience of two years. Any NRI, Person of Indian Origin (PIO) and Overseas Citizen of India (OCI) are eligible for a home loan. (Except citizens living in Bhutan, Pakistan, Bangladesh,...
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Beginner's Guide to Mutual Fund Investments

Mutual funds are investments which pool savings from a number of investors under a particular scheme managed by an asset management company (AMC). The pooled money from Mutual Funds is then invested in securities like equity shares, bonds according to the scheme. The fund manager manages the investment portfolio as per the market situations in order to create wealth for investors. The company charges an annual fee called expense ratio from the investors to manage their portfolio. The Mutual Fund investors usually make money by way of regular dividends/interest and capital appreciation. The investor can even decide whether to reinvest the...
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Mistakes to avoid while applying for a Gold Loan

Gold is obviously the most commonly used precious metal in the Indian subcontinent. Be it for marriage or even a religious festival, gold is a sacred part of the rituals. Gold, in the form of ornamentation and jewelry, is usually possessed by urban as well as rural households and often is used at times of financial crisis or any other economic emergencies. It is due to the popularity of this precious metal that banks and other financial institutions have started focusing on it, marketing it for the benefit of their customers. Gold loans have become immensely popular today. However, at the...
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Mistakes to avoid while applying for a Gold Loan

Gold is obviously the most commonly used precious metal in the Indian subcontinent. Be it for marriage or even a religious festival, gold is a sacred part of the rituals. Gold, in the form of ornamentation and jewelry, is usually possessed by urban as well as rural households and often is used at times of financial crisis or any other economic emergencies. It is due to the popularity of this precious metal that banks and other financial institutions have started focusing on it, marketing it for the benefit of their customers. Gold loans have become immensely popular today. However, at the...
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Mistakes to avoid while applying for a Gold Loan

Gold is obviously the most commonly used precious metal in the Indian subcontinent. Be it for marriage or even a religious festival, gold is a sacred part of the rituals. Gold, in the form of ornamentation and jewelry, is usually possessed by urban as well as rural households and often is used at times of financial crisis or any other economic emergencies. It is due to the popularity of this precious metal that banks and other financial institutions have started focusing on it, marketing it for the benefit of their customers. Gold loans have become immensely popular today. However, at the...
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HOW TO GET MAXIMUM BENEFITS FROM YOUR CAR INSURANCE ?

Most people own cars or vehicles these days. And as more cars enter the highways, the risk of accidents and damages also increases significantly. Furthermore, the cost of repairing said damages can often be astronomically high. That’s why it’s so necessary to get a good motor insurance. When people look for a good car insurance, their number one priority is to get maximum benefits for the least cost. However, there are so many insurance companies in the market, offering complicated terms and benefits and it can be overwhelming to decide which is the best for your specific requirements. However, if you’re...
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Dematerialization of Shares in India with Demat Account

Dematerialization is the procedure wherein the physical share certificates are converted to a digital form. To hold investments in an electronic mode, you need to open a dematerialization account with a Depository Participant (DP). The primary objective of digitalization is to enable you to hold your investments in a digital form. It is more convenient and secure because there is no risk of damage or loss that is associated with the physical holdings. Features of a dematerialization account You may open a demat account with a DP either in a single name or as a joint account. However, this account can...
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How to save tax and simultaneously fund your retirement?

Most of us don’t feel a pressing need to save for our retirement as it appears distant. However, it is essential to begin saving early if we wish to accumulate a decent corpus fund before we retire. Equity-linked saving scheme (ELSS) is an excellent tax-saving investment option, which can help save tax and create wealth at the same time. When you invest in ELSS, you can claim a deduction under Section 80C of the Income Tax Act, 1961. Additionally, this tax-saving mutual fund has the shortest lock-in period and offers excellent potential for growth via equity. Here is how you can...
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What’s buzzing on the Vastu Shastra Front?

Vastu Shastra or “ the science of architecture” reflects the principles of design, layout, measurement, ground preparation, space arrangement and spatial geometry. Vastu Shastra, it is said, is about integrating architecture with nature. The emergence of this science is assumed to date back significantly before the 1st century.   Is Vastu Shastra a superstition?   Implementing Vastu Shastra and hiring a Vastu consultant in modern times is regarded as a pseudoscience by certain rationalists. Some architects particularly during the Indian colonial era considered it as a superstition However in today’s age and time there are many who abide by Vastu Shastra norms...
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