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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.

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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Tata Capital: Your One-Stop Destination for Used Car Loans

Several car owners upgrade their vehicles periodically for various reasons, such as to purchase a high-end model or prevent maintenance costs. As a result, the market for pre-owned vehicles has increased at a significant rate. Used cars provide good value for their prices, which is why many individuals opt for these cars. In addition to a wide range of used cars to choose from, availing of credit facilities to fund the purchase is easier. Most lenders in India offer attractive deals to encourage individuals for buying used cars on loans. Such facilities are available for all types of vehicles, such as...
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5 Ways to Lower Your Used Car Loan EMIs

If you are looking for ways to reduce the Equated Monthly Installment (EMI) on your second-hand car loan, you must keep in mind certain factors. Here are five tips that will help you decrease the auto loan EMI. 1.    Consider the loan tenure Banks and Non-Banking Financial Companies (NBFCs) generally offer car loans for as long as five years. It is common that you opt for longer loan tenure to reduce the EMI. However, by doing so, you pay more interest over the loan tenure. The EMI comprises a higher component of interest instead of principal, which results in you paying...
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Five thumb rules before applying for a used car loan

The thrill and excitement of driving home a car – whether new or pre-owned, is definitely a lifetime experience. But, this excitement should not deter you from following few rules before signing off the purchase and car loan documents. The auto market has been in the path of including some or the other innovation in each of their launches. The innovation could be in the design, technology, or performance of the car. And, this trend is seen across all manufacturers – domestic and international. Such inclusions certainly compel car enthusiasts to opt for a new buy. The smart launches by automakers...
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Why Do Women Prefer Health Insurance Plans Offering Preventive Check-ups?

A study conducted in the field of life insurance and health insurance revealed that while purchasing health insurance, women prioritize preventive check-ups, maternity benefits, and cover for diseases that arise out of lifestyle choices. Most women state that check-ups are the determining factor when it comes to narrowing down a health policy. Although most plans do not offer any preventive services, a preventive healthcare cover comprises diagnosis and prevention. Early detection Many diseases may become critical in the future and result in inflated medical bills. Routine check-ups help screen and detect life-threatening diseases in their initial stage itself. For chronic diseases...
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How Family Floater Plan is Different from an Individual Policy?

Securing the health of family members is best done with an insurance policy. Potential buyers may choose between an individual plan and a family floater. Making the decision between these options is not easy and understanding the differences may be beneficial. Family floater plans These family health insurance plans cover all the family members under a single plan. The fixed coverage is shared by all the members. Moreover, the premiums on family plans are lower than individual policies making the former more economical. Individual plans These health policies provide the benefits included in the insurance plan only for the policyholder. If...
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Study Abroad Tips That You Will Actually Need

The prospect of going to a foreign country as a student can be a set of mixed reactions. You feel excited about the idea of exploring new avenues and learning. But, at the same time, you may have apprehensions and worries with the notion of being all alone in unfamiliar surroundings. There are a lot of things that may not be under your control abroad. Things such as food, the hostel, your academic environment or even the local safety for that matter are some of them. That being said, there are indeed certain aspects that you can take care of in...
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