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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.

Dos & Don’ts of Buying a Two Wheeler Insurance Policy

Most would agree that two-wheelers are the most convenient mode of transportation. That’s why the number of bike and scooter owners in India are increasing exponentially. This renders two wheeler insurance extremely important for securing bike riders across the nation. However, you’re bound to be dizzied by the many bike insurance plans or options available in the market. Choosing the right insurance plan is as essential as purchasing the best scooter/bike. Considering the following suggestions will help you narrow down your options and select the best possible plan.   Dos   Know the types of two wheeler insurance   Your two...
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Things to Keep in Mind While Comparing Health Insurance Plans

There are numerous health insurance plans available in the insurance market. With the increase in the medical expenses, the importance of health insurance has also increased. For this reason, most of the health insurance companies have come up with different kinds of schemes. It can be quite daunting to choose the right plan. Compare the following factors and choose the right health insurance. Claim settlement process This is the most important aspect that the policy seeker should compare between the various health insurance plans. The faster the claim settlement, the better it is for the insured. Another aspect is cashless facilities...
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Things You Should Include in Your Business Loan Application

Business owners, who have forever long cherished the dream of running a smooth and efficient business, have always relied upon a business loan to cater to their financial needs and requirements. No matter how small or big a business is, business loans have become a critical aspect of achieving business growth and competitiveness. Most business loan applications do not take a lot of time to obtain / process if all documentation and pre-requisites are included with your application. This article will help you understand the things that you should include in your business loan application and meet the necessary requirements. It...
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How do Mutual Funds Work?

Mutual funds are probably the safest investment choice for the newer and even the most experienced investors. A mutual fund is managed by an expert fund manager who maintains and invests all the money in the fund on behalf of the investors. The most important part to know about mutual fund Investments is that they are diversified. It means that the fund manager does not invest the money in just stocks or in any one investment instrument. The fund money is invested in multiple securities, ranging from the safest ones to the most profitable ones. This way, your investments in a...
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Everything about Car Insurance in India

Usually, when we think of buying a car, we are gung-ho about the make and model, the color, engine, mileage, etc. of the car. However, it is rarely a case where people think about which car insurance to buy, which is an important factor too. In the present day and age, there are a multitude of companies that offer motor insurance, whether the car is brand new or second hand. It is mandatory, after all, for people to go for it as a precautionary measure that safeguards both the owner/driver as well as the person who may have fallen victim to...
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10 tips for buying a Home Loan

The Home Loan market is vast and it takes calculated efforts to strike a proper deal. Here are 10 tips which can assist you to choose a Home Loan that can be reasonable for you;   Prepare for the down payment The required down payment averages to around 10% of the cost of the house. Most lenders do not give loan for down payment. Start saving early to bear the onetime expense.   Check your credit score (CIBIL score) Having a good credit score gives you the advantage to attract the best Home Loan deal available in the market. Do not...
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Pre-approved property and its misconceptions

The current real estate landscape has become one of the single largest asset investment opportunities. Nowadays, with the rise in increasing awareness and open forums, it has become easy to know the ins & outs of property investment from a legal perspective. How many times have you heard that a building’s construction had to be stalled because there weren’t proper approvals or the documents were not in place? If you are waiting for the construction of your dream home to begin, it can be a rather unpleasant situation and can be the source of financial issue for you.   Hence it...
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Reasons behind NRIs Setting Up Businesses in India

When speaking of the global environment of economic growth, India can safely be regarded as a country that has been consistently performing well. This rightfully explains why India is still one of the top countries in which NRIs are interested in setting up their businesses. With an easy availability of NRI account and NRI savings account, managing finances cross-borders has become easier than ever before! There are several factors that come into play for India being conducive to a business co-system, but in case you are an NRI intrigued in setting up your business and pondering over the boom of NRI...
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What is the secret to be a comfortable home loan borrower

There are various banks and private lending organizations which offer home loans. The secret to be a comfortable home loan borrower is not just hidden in your ability to choose an appropriate lender who offers you a good interest rate. It also lies in your ability to repay your loan amount without defaulting and manage your loan throughout the tenure, promptly and wisely.   Here are a few secrets that will help you to be comfortable as a borrower;   Don’t settle for a home with an area larger than what you can afford to buy. Choose the size of your...
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Why Having Multiple Savings Accounts Is Always a Good Option

It must come across as no surprise that having a savings account is much better than keeping money on your own in your house. If this is the case, not only is your money safe, but also there isn’t any possibility for the money to grow in the near future. It is important for you to understand that it is not a mandate to always stick to a single savings account for keeping up with your saving regime. You can consider keeping your money in different accounts to enhance the ways in which you can organize finances and thereafter, cater to...
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