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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.

Why is it necessary to have a diversified share market portfolio?

If you’re an investor, you must have definitely heard one piece of advice: have a diversified portfolio. But what exactly does this mean? And as an investor in the stock market, what does it mean for you to have a diversified portfolio? What is a diversified portfolio? To put it simply, diversification means not putting all eggs in one basket. Translated in terms of the stock market, this means spreading investments across different assets to minimize the risk. A diversified portfolio has its investments spread across a range of assets: Equities Mutual Funds Listed debt instruments Both Gold ETFs and physical...
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Guidelines to Make Sure Your Online Credit Card Purchases Are Safe

The use of plastic money is gaining popularity over cash transactions. Such an option eliminates the need to carry cash, which can be risky and inconvenient. Besides, the use of plastic money reduces the risk of loss or theft of cash. Cards also have the unique advantage and convenience of using them anywhere, anytime. The good news is that you may use your credit card to make purchases over the internet. You may use your card to pay utility bills and for shopping purposes. It is, however, important to ensure that you do not fall prey to online scams or fraudsters....
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Why Bank Lockers Are Better than Home Safes

People saving their valuables in bank lockers have been steadily increasing over the past century. During ancient and medieval times, people used to adopt extreme measures like hiding their valuables in obscure places, to prevent them from being stolen. However, with the advent of bank lockers, it has become convenient to store your precious items safely.   However, it is important to note that banks are not responsible if your valuables are stolen from your locker. The same applies in the case of natural calamities. One might then ask, why should I store my valuables in a bank locker? The service...
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How Fixed Deposits are taxed in India; Here’s all you need to know!

Fixed Deposits are one of the safest forms of investing money to increase savings. Knowledge of taxes on Fixed Deposits can help you plan your decisions to invest better. For any person thinking of a comfortable future, savings and investments are two major ways to increase wealth – they represent securities as well as hopes for a comfortable and secure tomorrow. Among the various savings options, a good option is the Fixed Deposit or the FD. A Fixed Deposit is a financial instrument, offered  by banks or monetary institutions; investors who sign up for fixed deposit accounts get higher interest rates...
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How to make the most of home loans with Moratorium Period?

Home! A place where four pillars strengthen the bond of a family. A place, where four walls witness countless stories of happiness, sorrows, celebrations and tears. A place, where we celebrate the freedom of being our own self cheerfully. A place, who’s décor reflects dreams. A place, where new beginnings are scripted each morning and bad days end with new hopes for tomorrow. Home, a four-letter word that holds endless emotions of each family member. In this era where nothing is constant, let your home be your permanent source of confidence and joy. Do you live in a home of your...
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How to Avail Housing Loan subsidy on PMAY

The introduction of Pradhan Mantri Awas Yojana (PMAY), catering to the housing needs of the mid-income to economically weaker segments is an integral aspect under the ‘Housing for All by 2022’ mission. The mission is to provide central assistance to implementing agencies through States and UTs for providing houses to all eligible families/beneficiaries by 2022. This route map has been set to facilitate the betterment of the people, thus resulting in the upliftment of the economic growth of the country.   The scheme categorises the applicants into three core groups i.e. Middle Income Group (MIG), Lower Income Group (LIG) and Economically...
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Here's Why Every Indian Millennial Needs a Credit Card

Millennials have grown up in the world of advanced technologies and consumerist culture. They believe in living their dreams and their priority is personal fulfillment. Almost 50% of the global workforce will be this generation by 2020. Although they have higher spending power, millennials are equipped to manage their finances. This generation controls their finances with a focus on accumulating rewards and builds their credit. Credit cards allow the millennials to do more towards achieving personal gratification. Here are five reasons why every millennial must own a card. Cashless payments A high percentage of the population use cards for their spends...
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Things you should know about Business Loans

If you are dreaming to start your own business, this might be the best time to take a small business loan. While banks are now more flexible in providing business loans, it must be remembered that some terms and conditions are always there. Let us check out some of the most crucial facts you must know about business loans. Online business loans are the present reality Now you need not stand in long queues to take loans. Banks have now made the process easy. Visit the bank website, choose the loan type and apply. Either you can directly borrow money from...
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Things to Keep in Mind While Buying Life Insurance

Life insurance is one of the most popular tax saving investment options in India. It is considered to be one of the most secure and simple investment types. Let us checkout some of the most important facts which an investor must keep in mind before buying a term plan. What is the claim settlement policy? People buy term insurance to secure the future of their family members and also to help them get a lump sum amount at time of exigencies. So, when buying a life insurance policy, check out the claim settlement policy. It must be simple and quick so...
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All You Need to Know About Personal Loans

The best way to deal with a financial crisis is by borrowing from external sources. Many banks and Non-Banking Financial Companies (NBFCs) offer loans at competitive interest rates and flexible repayment schemes. Due to the numerous features and benefits offered, loans have become a popular option among the masses. An increasing number of individuals are now opting for personal loans. Such loans, also known as unsecured loans, are obtained without the need for collateral. You are required to repay the principal amount along with the specified interest over a period of time, known as the tenure. The installments paid over the...
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