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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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How Easy it is to Get a Personal Loan

  From weddings to travel plans, Personal Loans come in handy when people are short on cash. Several individuals opt for Personal Loans when their need is urgent because these are easy to avail of. Furthermore, the lenders do not apply any limitations on the use of these funds. Financial institutions are making it simpler for applicants to avail of these products. Here are three ways to apply for a personal loan: 1.    Applying online The Internet has been a great boon for Personal Loan borrowers. This medium offers plenty of useful information and ensures they make the right decision. Several...
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Does taking a Used Car Loan make sense?

The car markets in India are witnessing a dramatic change in consumer preference. The first being increase in the number of people changing their cars every few years. Result of this is that a lot of sparingly used cars come to the secondary market. And since sparingly used cars offer a good value for money, many people don’t hesitate in going for old cars. Used cars are generally few lacs cheaper than their newer counterparts. But if you do not have the funds to purchase a used car, then you can still avail a used car loan for the purpose. These...
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Do You Really Need Travel Insurance?

You always wanted to go for a camel trek and now that it’s finally happening, you spend some sleepless nights of excitement. Just two more weeks to go and you’ll be riding on a camel back in Egypt. Seems like that’s all you’ve ever wanted. It’s like a dream come true. You’ve been dreaming how amazing this trip is and suddenly you just happen to fall off the camel and break some bones. Thank God it’s just a dream and a one you don’t want to turn to reality. You can’t avoid the inevitable but you certainly can prepare yourself to...
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How do Business Loans Help Upcoming Entrepreneurs?

The initial period is the most difficult time for a start-up. Right from obtaining capital to setting up the infrastructure, the challenges are numerous. Upcoming entrepreneurs are often faced with the issue of arranging funds from the right sources. Though borrowing from friends and family may seem a considerable option, it is not feasible in the long run. The best alternative is availing of a commercial loan so as to fund the expenses associated with establishing the business. The most important step for starting a business is deciding the amount of capital required to cater to the needs of the business....
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Avail of Different Types of Home Loans from Tata Capital

Because the homes and the needs of the buyers are different, a standard loan product would not be appropriate for all. Tata Capital understands this and therefore provides different kinds of home loans customized as per the needs of the borrowers. The institution offers flexible tenure and repayment schedule based on the eligibility, borrowed amount, and the professions of the applicants. The experienced team provides quick and friendly services to ensure the procedure is completed efficiently in the least possible time. With features like affordable interest rates, minimal documentation, and faster disbursal, a Tata Capital loan helps individuals to maximize their...
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Key Features of Tata Capital Home Loans

Sameer Dutta, 26-year old single human resource executive aspires to assist others in building their careers while creating a great career for himself. He further aspires to purchase health insurance for himself and his parents. Sameer plans to marry about a year later and wants to own a home before his marriage. Additionally, he wants to invest in products that will help him save taxes. Opting for a Tata Capital home loan would enable Sameer to achieve his aspirations. Here are five key features that make these loans attractive 1.   Flexibility for end-use Tata Capital does not restrict the end-use of...
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MSMEs in India: Advantages in Terms of Growth and Development

The Micro, Small, and Medium Enterprises (MSMEs) are crucial for the economic development of the country. To maximize their potential and leverage a large number of national and international opportunities, these enterprises need to overcome some challenges. While the number of Small and Medium Enterprises (SMEs) has increased, their contribution to the Gross Domestic Product (GDP) has remained low. This irregularity is primarily due to various bottlenecks, such as outdated technology, unstructured promotional activities, lack of skilled labor, and high import costs. Here are seven initiatives that would be advantageous for the development of the SMEs in India. 1.    Modifying the...
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5 Common Myths about Business Loans Debunked

  Finance is important for the smooth functioning of organizational operations. Many-a-times, entrepreneurs borrow loans from their family and friends to avoid the tedious loan procedure associated with banks and financial institutions. Many individuals perceive loans as a not-so-feasible option when on the contrary loans are a preferred choice for finance. There are a lot of myths pertaining to business loans which prevent upcoming entrepreneurs from availing of the capital that they need. Following are five common misconceptions about commercial loans 1.    It is necessary to have a good credit score to obtain a loan Newly established ventures certainly do not...
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How Can a Business Loan Calculator Simplify Repayment?

  One of the most financially wise solutions to a financial crisis is borrowing from external sources. Firms may avail of commercial loans so as to fund their organizational activities. These loans enable businesses to operate smoothly in times of a cash crunch. Sometimes, it becomes difficult to evaluate the amount that is needed to be borrowed. Also, the process to calculate EMIs is lengthy and complex. To simplify this process, lending firms have an online business loan calculator wherein applicants may find out their monthly installment amount. It also helps identify the repayment schedules and displays the outstanding loan amount....
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Pros and Cons of SME Loans

Regardless of whether a business is big or small, it requires capital to fuel its operations. Small and medium enterprises (SMEs) in India have immense potential for growth. However, a major setback that most of them face is the lack of financial support. You could overcome this with the help of a loan. Without a question, a financial institution like a bank is the first and foremost option to consider for funding your project. However, getting funds from a bank may entail certain procedures and it is up to you to identify the pros and cons before arriving at a decision....
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