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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.

Tips to Get a Perfect Marriage Loan

They say that marriages are made in heaven. But they don’t tell that cost of marriages is to be borne here on earth. But jokes apart, managing the finances of a wedding in India can be a stressful task. No matter how much one plans and prepares for the marriage, its possible that costs and expenditures will be underestimated. It’s easy to say that one should save hard, prioritize expenses and stick to a plan. But in reality, it’s tough to stick to budgets when it comes to the biggest day of most people’s lives. There is no fixed number that...
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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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Why Should You Invest in Commodities?

Nowadays there are so many investment options, you’ve got bonds, ETFs, stocks and cash in portfolio. There is another investment option called commodities and people are often muddled whether it’s a good investment option or not? If yes, then how much money should be invested in it and so on? Young people willing to invest are often confused about commodities due to their inexperience. To invest in commodities, one must know what exactly these are and how will it affect their portfolio. What are commodities? A commodity is any basic good or raw material that is utilized in commerce. Oil is...
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Motorcycle Insurance Comparison Guide

Two-wheeler insurance policy acts as a safety shield against probable losses that can be incurred due to theft, natural damages, third party damages and other manmade calamities. It offers you the much-needed security on the harsh conditions of our roads and yields significant savings in case of extensive repairs or loss of your two-wheeler. Compare and Choose the Best A two-wheeler insurance policy is an essential tool to guarantee safety and financial security. However, buying is not so easy with myriad of options in the market to choose. You need to check all the nuances of the insurance plans to select...
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Can You Handle Construction Delays?

So you have finally decided that going for an under-construction property makes more sense? Great. This means that there is no urgency on your part to move into the new property and you will also be able to save some money by not buying a costlier ready-to-move-in property.   But as you already know, buying an under construction property comes with many risks. Biggest being that of construction getting delayed. A delay might be caused by anything – it can be legal problems related to land, delay in arranging funds by the builder, natural calamity, etc. But point is that are...
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Build your wealth like your house

Everyone wants to be wealthy. But becoming wealthy overnight is something that happens only to one-in-a-million. For the rest of people, the path to wealth is slow and requires a lot of discipline and common sense. Experts suggest that people should think about wealth-creation in phases. Though it can be called by other names too, fact is that a person needs to ensure that firstly, his basic standards of living are maintained. Secondly, there is scope for ensuring that future living standards are also maintained. Of course it is easier said than done. It requires a lot of effort to build wealth in...
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Health Insurance Riders

  Health plans are designed to satisfy the specific needs of the policyholders. At the same time, policies are meant to protect the interests of the insurance service providers. Unfortunately, there is great variation among all of us in terms of our risks and requirements, which means that standard policies may not work for all. Most insurance plans have specific features, inclusions, benefits, exclusions, and covers. As these may not be suitable for all policyholders, insurance companies offer different kinds of riders within the policies to allow policyholders to customize plans as per their needs. Purpose of Riders Health insurance riders...
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Choosing the best ULIP Plan for Investment in 2016

What is ULIP? Unit Linked Insurance Plan (ULIP) is a financial product offered by insurance companies. The most distinct aspect about this product is that unlike regular insurance policies, ULIP gives investors the benefits of both, insurance as well as investment. All of this falls under a single unified plan. These have made ULIPs an increasingly popular insurance cum investment plans in India. Following are some benefits of ULIPs – ·         Insurance + Savings This is the USP of ULIPs as they serve the purpose of insurance as well as savings, which make it an extremely feasible option for many policy...
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Turn your Idea into Success through Project Finance

In an ideal situation, when you come up with a brilliant project idea, you will be able to easily find the resources to execute it and make it a success. Unfortunately, the reality is very different. It is hard to have people listen to your idea, understand it, and provide you with the resources needed to implement it. Indeed, before you start talking about your idea, you need to take a step back and think through your motives. Having answers to two important questions: “Why am I doing this?” and “What do I hope to accomplish through this?” is vital. Being...
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Top 6 Plans for Senior Citizens Health Insurance

Different insurance providers offer several different schemes for senior citizens. It is highly imperative to examine the details of the insurance policy thoroughly and stay well-informed of the coverage. Depending on the health requirements and your budget assess all the features of the insurance policies and make an ideal choice best suited to your needs. Let’s look below at some top insurance providers and the salient features for senior citizen health insurance: 1.       Bajaj Allianz – Silver Health Policy – ·         Offers Coverage from age of 46 to 70 years with lifetime renewals ·         Pre-medical tests are undertaken to assess the...
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