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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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5 Tips that can lead to a Fruitful Real Estate Investment in Hyderabad

Hyderabad is one of the Indian cities which was least affected by the economic slowdown that the entire nation has faced. And with the stabilization of markets, the city has become one of the favorite destinations where investors like to put their money. The following 5 tips can help you in making a fruitful investment in Hyderabad. Introduction Investing in the realty market has been a rewarding asset even in the slow economic times. The rate of returns may have gone down but investing in this sector still remains the safest option.  Hyderabad with its booming IT sector and being an...
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Instant investments: What you should know

Investing in the stock market is fairly easy now. You could buy, sell or watch your investment portfolio at the tap of your mobile phone or click of your mouse on the computer. Gone are those days when you had to go to a broker office and place an order to transact. You heard news about one company or the other and you want to transact on the basis of this information, you could do so instantly now. Not long ago, you would have had to think about the distance to the place where your stock broker was located. Now, the...
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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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What your investments tell about you

Right from childhood, Indians are taught to save money. So, you earn, you spend, and then you keep some money aside as savings. As a little girl, you always had your piggy bank full. You loved to stash coins in it. With more and more working women attaining financial freedom, managing money is important than ever before. Here’s a look at what your investments tell about you: 1)      Bank deposits: Banks term deposits are accounts where you keep your money for a pre-determined time in return for an increase in value through interests. This rate is higher than that of a...
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Term Insurance Plan: Which Policy Are You Planning to Purchase?

The internet has transformed the manner in which we communicate, find information as well as conduct different businesses. Not only has it led to convenience and speed of conducting business transactions, but the entire domain of e-commerce has revolutionized the way we buy essential products. Almost each and every business, banking sector, retail store, etc. has its presence online, enabling electronic payment methods via debit/credit cards or even through Net Banking. So, instead of worrying how to go about purchasing an insurance policy for yourself or your loved ones, get online and browse through the variety of options that are available...
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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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Why 2014 is the Best Time to Buy Property in Hyderabad

If you’ve not heard about the turmoil that has been simmering in Hyderabad over Telangana, there’s a good chance that you are from another planet. Jokes apart, any kind of sociopolitical unrest in a region is bound to have some sort of impact on real estate price trends.   The same stands true for Hyderabad with prices having plateaued or even bottomed out in some localities during the period of the turmoil. But political uncertainties don’t last forever and here lies the opportunity for individuals looking for an opportune moment to make an entry in real estate investments. Market watchers believe that...
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Mediclaim: Your Immediate Life-saver

Has the sky ever fallen on you under the guise of medical bills? If high medical bills have managed to burn a reasonable hole in your pocket, then it would be advisable to save a certain portion of your regular income towards mediclaim or health insurance. The thought of spending the entire savings on a medical bill can be daunting for an average middle income person. In the eventuality of unforeseen medical bills and rising inflationary trends, they can land on us like a ton of bricks leaving us in precarious financial state of affairs. A timely investment in the form...
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