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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.

All About Tata Capital Home Loans

While purchasing a property most people check their savings to determine their budget. It is not uncommon for many individuals to postpone or even drop their dream of purchasing a home due to lack of funds. However, with home loans, most buyers may achieve their dream becoming homeowners. Tata Capital Housing Finance Limited (TCHFL) is a fully-owned subsidiary of Tata Capital. TCHFL has been offering home loans to large number customers through its wide network of branches. The features and benefits of these products like competitive interest rates, flexible repayment options, and longer loan tenure have helped TCHFL become a successful...
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How Low-Income Individuals Can Avail of Tata Capital Home Loans

It is a well-known fact that there is a huge shortage of housing among the Indian population. The government has launched the ‘Pradhan Mantri Awas Yojana’ (PMAY) with the objective of providing homes for all citizens of India by 2022. Several developers have planned new housing facilities that would be affordable for the poor living in the urban cities. While developers launch reasonable housing projects, financial institutions across the country are announcing home loan offers for this segment of Indian population. Tata Capital’s subsidiary Tata Capital Housing Finance Limited (TCHFL) has recently launched a new scheme for the low-income buyers. The scheme...
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Difference Between Personal Accident and Term Insurance

With increasing awareness about the importance of medical insurance, life insurance, cashless health insurance, more people are including such coverage in their overall financial plans. To ensure each person is able to find suitable coverage, insurance companies offer different types of policies. The vast number of options available to buyers often results in confusion while selecting the most appropriate policy to suit their personal needs. Most people are unaware of the difference between a personal accident plan and a term policy. Before discussing the differences between these two policies, it would be beneficial to understand each of these plans. What is...
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Best Investment Plans For Salaried Individuals

Young individuals in their early 20s generally do not consider financial planning as one of their most important priorities. However, the biggest advantage of investing early is to enjoy the benefits of compounding. This means you earn returns on the capital as well as the profits, which enables higher wealth creation. Several youngsters are confused between investments, insurance, mediclaim policy and savings. Investing includes purchasing financial products that offer future returns. On the other hand, savings refer to retaining a certain amount of money in avenues like a bank account. When you save money, you do not expect to make as...
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Tata Capital Used Car Loans – When You Want More Dash, For Way Less Cash.

Vishal Mhatre was a 29-year old marketing executive who’d moved to Mumbai from Nagpur in 2009 when he landed a plum job with a leading corporate. He loved the on-job learnings, and the buzz of Mumbai, but what he didn’t factor was the sheer enormity of day-to-day living- the exorbitant rents, the insane commute times, the traffic, the expenses on entertaining oneself… etc. etc. To bring some order to his expectations vs. income, he did the following things: -          Rented a shared accommodation in Andheri, a far-off, but accessibly-priced option in comparison to localities near his office. -          Started commuting by...
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5 Factors You Must Take Into Consideration before Expanding Your Business

  Rita was happy with the way wedding planning business was performing. But after doing the same thing for seven years, she wanted to bring some changes into her business. This is when she decided to expand. Her new plan included catering to more areas of the cityas well as high-budget weddings. She also wanted to getmore creative decorations to attract more customers. This meant hiring more people as well as other down payments. While her profits were more than enough to cover this, a good friend suggested that she opt for a business loan. This decision paid off because three...
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Why you should separate your business credit from personal credit

  Ramesh, a promising young entrepreneur, needed a loan for his business. He had a good personal credit history. His borrowings were few and he had a timely repayment record. He wished to use his strong credit history to get a low-interest individual loan for his business. So, he consulted Sunil, a seasoned businessman with a great understanding of finance. Sunil advised him to keep his business and personal credit separate. Sole business owners often make the mistake of taking individual loans for their business. But combining business and personal credit can be a problem. It can jeopardise your financial health...
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Goods and Services Tax (GST) - Things to know and its Benefits

Likely to bring in significant change in doing business in India, the Government is committed to introduce GST by April 2017. Advocacy for best practices, gearing up for changes in processes, training teams and developing IT systems for being GST compliant are the key areas being assessed. In order to prepare for the implementation of GST, companies need to understand GST policy development and its implications for scenario planning and transition roadmap preparation. Tax payers need to be GST compliant to be able to test system changes in time. Depending on the operating geographies, size and sector, the changes that the...
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Some Tips to Prepay your Home Loan Faster

You might have taken a home loan and are already paying your EMIs diligently. But its possible that you would want to close your loan as soon as possible. So how should you go about managing your home loan so that you are able to repay it quickly and without compromising on other things? We share some tips to help you prepay your loans quickly. Increase your EMIs with Income Increases Suppose your EMI at the start of loan was Rs 25,000. And the salary at the same time was Rs 75,000. Now after few years say 3-4 years your salary...
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Some tips to avoid rejection of your home loan application

You have shortlisted the house that you want to buy. You have arranged the down-payment that you would be required to pay. Now you applied for the home loan. But the lender has rejected your application. This can come as a big shock to anyone who is at the receiving end. Hence it is necessary to understand why lenders reject home loan application even though borrower has most things in his or her favor. One of the biggest reasons is the mismatch between Income and credit score. A high credit score is no guarantee of getting a home loan. Your income...
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