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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.

Comparison of Features of Term Insurance and Endowment Plans

A sensible financial plan is one that strikes the right balance between immediate needs, long-term requirements, and protection from risks. The best way to plan your long-term needs is to opt for investments that generate good returns over the long run. Insurance is the simplest and most effective way to protect your family from risks like sudden death of the breadwinner. Instead of treating insurance and investment as independent activities, you should try to create a strategy where both options complement each other. Safeguarding your family from risk by going in for insurance, and combining it with sensible investments is the best...
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Mutual Funds Basics: Things You Must Know

What is a Mutual Fund? A mutual fund is an investment option, creating a pool of funds from several investors and investing it in bonds, stocks and other type of securities. It’s like buying a piece of pie, the owner of the mutual fund gets a proportional share of the fund’s income, losses, expenses and gains. You can make profits by investing in mutual funds in three ways – 1.       Income is earned from interest on bonds and dividends on stocks. Income received by a fund over a year is paid out completely to fund owners in the form of a...
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Have You Switched Over to Gen Next Banking?

Availability of new, convenient, and safe technologies has had a transformative impact on the world of banking. Gone are the days when banking transactions had to be done at a specific place during specific hours of the day. Read ahead for an overview of how new banking techniques and solutions have made it easier for people to operate their accounts. Depositing Cash into the Account When was the last time you visited the bank to deposit cash? More and more people are embracing cashless transfers where funds are transferred electronically from one account to another. Unlike the past when one had...
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Plan Your Expenses & Save using Bank Offers

If you’re someone who spends a lot of time surfing the web in search of interesting ideas and content, you might come across numerous cool deals and offers from reputed online sellers with deals offered by top brands, manufacturers and service providers. While these cool offers are available to all online surfers, there is a useful trick that can help you enjoy even better deals from such reputed firms. All you need to do is apply for a debit card offered by a reputed bank like Kotak Mahindra Bank Ltd. to enjoy special offers available for Kotak Bank debit card. Once...
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New Age Banking - Simplest and Easiest Way to Pay Utility Bills on Time

While easy access to numerous products and services offer numerous benefits, it also brings about the added responsibility of making all utility payments on time. There was a time when utility payments consisted of paying the telephone and electricity bill before the due date.   Today, one needs to keep a track of payments for prepaid and postpaid mobile services, DTH services, gas connections, loans and credit cards, insurance policies, magazine subscriptions, and a lot more. This is where New Age banking services provided by reputed bankers can make a huge difference to your lives.   Utility Payments - Past and...
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Take a Personal Loan To Fulfil Last Minute Wedding Expenses

Wedding is one of the most looked forward to and once in a lifetime event in a person's life. However, we all know that with rising expenses, the emotion of the bride or bridegroom can be subdued. For an event as grand as a wedding, you want to ensure to leave no stone unturned. But the question arises how does a person with limited means achieve this goal.   This is especially true because major heads like outfits, jewelry, venue, catering; etc end up costing a lot more than what you may have budgeted for. For outfits, even non-designer wear costs...
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Don’t Get Locked, Generate Card Pin Instantly!

With a debit card in your hand, you can buy stuff, pay bills, and withdraw cash without having to make repeated visits to your bank. However, this also means anybody who holds your debit card can use your funds without any restrictions whatsoever. To minimize risk of such unauthorized transactions, banks have made it mandatory for all debit card transactions to be confirmed by the card’s PIN. While this is a great move from the security point of view, it also means you need to keep remember your PIN every time you want to make a payment through the card.  ...
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Happiness Just A Click Away!

Funds Transfer Made Easy with Kotak Mahindra Bank’s “Mail Money” Kotak Mahindra Bank has introduced an email-based funds transfer service called Mail Money. With the Mail Money service, you can send money to a recipient simply by remembering their email ID and mobile number. It is not important for you to know the beneficiary’s bank, IFSC code, or account number, neither do you have to register them in the list of beneficiaries. Kotak Mahindra Bank has made funds transfer absolutely hassle-free with this new service. The service also allows you to schedule your transfers for the next 7 days. How it works? This service...
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How Difficult Is It To Obtain A Small Business Loan In India?

Today, Small and Medium Enterprises (SMEs) make a very important contribution to the nation's economy with around 40% of India's domestic production. Obtaining a small business loan to set a new business venture is not an easy task. It requires a great deal of preparation. Besides, one also needs to obtain capital to fund their dreams, which can be fulfilled by applying for a small business loan in India. No matter what type of business loan you choose, you need to have everything in place for your loan to be approved before you even file the application. Some of the major...
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The Power of Personal Loans

When you have a long wishlist and limited income, you have to consider financial support in the form of loans. A loan can provide a short-term influx of cash to fulfill your dreams. For instance, if you’re dreaming of an international holiday to an exotic destination, but are falling short of immediate funds then you should consider taking personal loan for your holidays.   Besides, you may use the loan amount for various purposes as mentioned below:   Purchasing consumer durables and furniture - It may be time for you to buya good refrigerator for your kitchen or an air conditioner...
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