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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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Tax Saving Investments: Importance and Available Avenues

  Investments are beneficial from both a fund building and a tax saving perspective. Making an investment helps to ensure higher amount of savings from a short term as well as a long term view. Whenever you are looking to invest in a particular instrument, factors like inherently low risk along with higher capital gains and better tax planning should be given importance. A smart way to achieve this is to take professional assistance from finance experts who have a good understanding of the market and who can create a diverse investment portfolio for you by keeping these factors in consideration....
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How to open a bank account?

  1. Either you can go online and follow the steps given on a Bank’s website or 2. Visit the nearest Branch of the Bank you have chosen and initiate the opening of your account.   Choosing the right bank and the type of account are the main points to consider before you open an account. Most people start with an Easy Access Savings Account. Nowadays, there are so many types of accounts available, each with many different features. It is easy to find a few which are perfect for your needs but in the end, it comes down to which...
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Collaterals and Guarantors Security For Loans

Collaterals and Guarantors Collateral security Banks grant loans to borrowers, expecting the loan amount to be returned when the loan maturity period is over. To assure this, banks generally require a security against a loan in case the borrower defaults on repayment. Thus a collateral serves as a protection for the lender against a borrower’s default. On obtaining a loan, you are required to place an asset as a security with the bank. This is called collateral. Collateral may be your house or a car, against which you can takea home loan or a vehicle loan respectively.  Your savings and other...
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Can I prepay my loan early?

Can I pay back my loan early? Loans are granted with respect to an agreement made by you to pay back the loan amount to the Bank or institution that has lent you. A loan is to be repaid within a specified tenure or the loan maturity period. The easy monthly installments that you pay are deposited against the loan amount borrowed by you. The calculated EMI structure, when paid off, clears and settles the loan as paid.   Thus, an early repayment or prepayment refers to an early payment of the complete loan amount or a part of it before...
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