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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.

How to pick the right used car

Picking a used car can be tricky. When Naresh decided to buy a used car, he did not carry out a thorough check. So, he ended up with a car that he needed servicing every few months. His brother Suresh was smarter. Suresh bought his car through a verified used-car dealer. He also ran his own checks and the vehicle is as good as a new. If you are planning to buy a used car, take a look at the tips mentioned below. You will get a fair idea about how to select a good used car. Checklist for buying a...
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How to own a luxury car in your late twenties

Ishant always had a fascination for cars. The day he got his first paycheck, he decided to start a fund for a luxury car. He knew it would take a few years before he could afford it. But he was willing to wait. Five years passed and Ishant was still unable to afford a luxury car of his choice. That is when he decided to opt for a used car. The decision proved to be a good one. He found a Mercedes Benz at half the price. He made a down payment from his savings and applied for a used-car loan...
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How has Demonetisation Affected the Used Cars Market?

The recent move by the government to flush out black money and bring the economy back on track for sustainable growth is not even six months old yet, the effects are far reaching. To begin with, the cashless and digitised economy is as close to becoming a reality as ever. At the same time, the legitimised flow of money in and out of various industries has also been forced to come to the forefront. The used cars market is one such industry that has borne the positive effects of the same. Let us see how.   Earlier, used cars were purchased...
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Don’t burden your family with Loan repayment in case you die!

This will be an extremely catastrophic situation. Think about it. Suppose you purchase a house on loan of Rs 50 lac and have moved in the house with your family. Now unfortunately after just few years of you having purchased the house, you die in a road accident.   The family is shattered at your loss. But that is just one aspect of the problem. They are now also to deal with the burden of repaying the home loan. If you had a large enough life insurance, atleast this worry would have been taken care off. But if not, then your...
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Buy or Stay on Rent? Check whether you are Financially Prepared first

Buying a house of your own or staying on rent. This is a common question that comes in mind of most people eventually (assuming they are still staying on rent).   Most people in young generation who have recently started earning are living on rent. They plan to buy a house of their own someday when their finances are better. And that is a rationale thought.   There will always be social pressure to buy a house as early as possible. Then there is another common reasoning that says that when someone is already paying the rent, why shouldn’t they purchase...
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5 Benefits of Used Car That May Change Your Perspective

Given a choice, who wouldn’t opt for a brand new car over a pre-owned one? Buying a brand new car has its own thrill, but buying a pre-owned car has its own benefits too. Financial advantage aside, the new-age pre-owned cars market makes buying a used car even more worthy. The current pre-owned cars market is more organized, authorized, and pays heed to customer requirements. They ensure that all the cars in their showroom are serviced to perfection and are entitled to clear documentation. The dealers of used cars in India also provide service warranty to buyers either in terms of...
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Used car loan trends in 2017

The used cars market has seen a commendable overhaul over the last decade. This can be attributed to factors like the influx of sparsely used cars, changing the trend of buying a new car, authorized pre-owned car dealers, enhanced servicing and warranty for used cars, clear documents, and availability of used car loans. Owing to these factors, the automobile industry has witnessed a rise in demand for second-hand cars. And, this has further resulted in the increase in the number of financiers offering used car loans. There has been a remarkable improvement in terms of used car loan as compared to...
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International Student Travel Insurance - A Must In U.S.A

There are several things that need to be ticked off from the list when you are going to study abroad. When it comes to the US, the things remain the same along with a few more. Arguably, the most important one amongst many is getting international travel insurance before you set off to live the ‘American Dream’. Let’s find out why. The importance of buying overseas travel insurance when going abroad for studies cannot be understated. The fact that around 30 Indian students were deported because of nonadherence to immigration formalities is a testament to this. It is estimated that there...
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Home loan can impact your investments towards other Financial Goals

We all have multiple financial goals. And one important one for most people is to purchase a house of their own. But sadly, houses are extremely costly these days and it requires a lot of money to purchase them.   But house is not the only goal. Isn’t it? Proper education of the children, their marriage, planning for own retirement. All these have to be taken care too.   But sadly, one only has a limited income to invest towards all these goals. Let’s take an example to better understand this.   Suppose you earn Rs 1 lac a month. Now...
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Here's How You Could Find the Right Hatchback on Tata Capital's Online Car Store

The demand for used cars in India has seen an exponential growth in the last few years. This is because such vehicles offer good value for money.  A large number of dealers provide a wide range of pre-owned models from different brands. In addition, such used cars are well-maintained and reliable, which further boosts the demand for these. A quick and easy way to search for the right hatchback is to check online. Tata Capital offers an online car store where you may compare various models and brands. Here are four popular hatchbacks listed on the store. 1.    Maruti Suzuki Alto...
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