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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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Are You Comparing Car Insurance Quotes Smartly?

Car insurance is one of the smartest moves that should be taken immediately after you drive your luxury home. It is treacherous to drive a car without getting it insured as distress and troubles related to it can surface at any moment. This often leads to heavy loss and asset deformation. Car insurance is the savior in such cases, through which you can get everything done right from all sorts of minor to major cases. Insurance policies offered by various companies in the market are featured with their own pros and cons, so it is advisable to go in subtle detail...
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5 Considerations to Finalize Your Family Health Plan

Every individual in a family strives to make life easier for his or her loved ones. While most people do the obvious by investing in savings for the future and life insurance, a large number of individuals do not give as much importance to health coverage. Have you considered the financial implications in case any member of your family has the misfortune of suffering from a critical illness? Medical costs are rising rapidly, making it increasingly difficult for families to afford the high costs of health care. Family health insurance policies have therefore become increasingly important, as Indians try to cope...
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How to Get a Home Loan?

For most people, buying a house is the biggest financial decision of their lives. And since it’s the biggest decision due to large amounts involved, most people end up availing home loans to realize this dream. Lenders are more than willing to give money to potential home buyers as retail home loans are among the safest loans for lenders too.   But before you apply for the home loan, you need to understand how to get a home loan and also do your homework thoroughly.   The very first thing to ascertain is the amount needed. Now you might want to purchase a house worth Rs 30 lacs. But generally,...
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Tips to Get a Perfect Marriage Loan

They say that marriages are made in heaven. But they don’t tell that cost of marriages is to be borne here on earth. But jokes apart, managing the finances of a wedding in India can be a stressful task. No matter how much one plans and prepares for the marriage, its possible that costs and expenditures will be underestimated. It’s easy to say that one should save hard, prioritize expenses and stick to a plan. But in reality, it’s tough to stick to budgets when it comes to the biggest day of most people’s lives. There is no fixed number that...
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Still Deciding on a Personal Loan? We’re Here to Help!

These days, many people are resorting to personal loans when they are unable to arrange money from other sources. Unfortunately, there are lots of misunderstandings about personal loans that prevent people from making the best use of this financial instrument. Let’s see the what(s), when(s), where(s) and how(s) of personal loans to better understand the actual reality. Personal loans are unsecured loans that are offered to applicants after assessing their credit history and loan repayment capacity. Since these are unsecured in nature, (i.e. the borrower does not need to bring in any collateral), the personal loan interest rates are higher than those of other secured...
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Why Should You Invest in Commodities?

Nowadays there are so many investment options, you’ve got bonds, ETFs, stocks and cash in portfolio. There is another investment option called commodities and people are often muddled whether it’s a good investment option or not? If yes, then how much money should be invested in it and so on? Young people willing to invest are often confused about commodities due to their inexperience. To invest in commodities, one must know what exactly these are and how will it affect their portfolio. What are commodities? A commodity is any basic good or raw material that is utilized in commerce. Oil is...
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Motorcycle Insurance Comparison Guide

Two-wheeler insurance policy acts as a safety shield against probable losses that can be incurred due to theft, natural damages, third party damages and other manmade calamities. It offers you the much-needed security on the harsh conditions of our roads and yields significant savings in case of extensive repairs or loss of your two-wheeler. Compare and Choose the Best A two-wheeler insurance policy is an essential tool to guarantee safety and financial security. However, buying is not so easy with myriad of options in the market to choose. You need to check all the nuances of the insurance plans to select...
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Can You Handle Construction Delays?

So you have finally decided that going for an under-construction property makes more sense? Great. This means that there is no urgency on your part to move into the new property and you will also be able to save some money by not buying a costlier ready-to-move-in property.   But as you already know, buying an under construction property comes with many risks. Biggest being that of construction getting delayed. A delay might be caused by anything – it can be legal problems related to land, delay in arranging funds by the builder, natural calamity, etc. But point is that are...
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Build your wealth like your house

Everyone wants to be wealthy. But becoming wealthy overnight is something that happens only to one-in-a-million. For the rest of people, the path to wealth is slow and requires a lot of discipline and common sense. Experts suggest that people should think about wealth-creation in phases. Though it can be called by other names too, fact is that a person needs to ensure that firstly, his basic standards of living are maintained. Secondly, there is scope for ensuring that future living standards are also maintained. Of course it is easier said than done. It requires a lot of effort to build wealth in...
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Health Insurance Riders

  Health plans are designed to satisfy the specific needs of the policyholders. At the same time, policies are meant to protect the interests of the insurance service providers. Unfortunately, there is great variation among all of us in terms of our risks and requirements, which means that standard policies may not work for all. Most insurance plans have specific features, inclusions, benefits, exclusions, and covers. As these may not be suitable for all policyholders, insurance companies offer different kinds of riders within the policies to allow policyholders to customize plans as per their needs. Purpose of Riders Health insurance riders...
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