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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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Reasons to Opt for a Zero Balance Savings Account

In order to cater to individual needs and requirements, banks offer a variety of customized account options. The good news is that banks provide the benefit of zero- balance account to those who do not wish to maintain a minimum balance. As the name suggests, a zero-balance savings account does not require a Monthly Average Balance (MAB) to be maintained. This means you need not pay a penalty for not having a minimum balance, as is the case with a regular savings account. A zero-balance bank account offers a host of features and advantages. You may open such an account and...
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Why You Must Take A Term Insurance Before You Are 30?

5 Reasons Why You Must Buy Term Plan Before Turning 30   Life is unpredictable. One minute everything is going well and things are under your control. The next minute, you realize everything is slipping through your fingers. Well, there isn’t much you can do to change the strange ways of life, but you can surely be prepared for the future and do everything possible to keep your loved ones protected.   Term insurance can be your best choice, if you want to give your family the security they deserve. Generally, people plan on buying term insurance at a later stage...
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Top Myths about Home Loans Busted

We love to read and gather as much as we humanly can before investing in anything. It is not surprising that this becomes ten times more intense when we are planning to buy a house. After all, have we not been thinking of our dream home since a really long time? But you must be sure of one thing. Not all that you read is true. Every material you read will have some points that they will try to sell as facts but in reality, they might not be applicable or possible at all. Same goes for home loans and some...
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Common Mistakes to Avoid While Investing in an SIP

There are numerous investment products available in the market, Systematic Investment Plan being a popular option. A Systematic Investment Plan involves investing a small amount every month on a pre-determined date into specific mutual funds. The main goal of such an investment vehicle is to accumulate a huge corpus by investing small amount of money on a monthly basis. There are numerous advantages of investing in Systematic Investment Plans (SIPs). You may send a one-time instruction for an auto debit every month, thus eliminating the possibility of missing out on a monthly payment. This provides you with a high degree of...
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Emerging Technologies in Digital Banking

Today society and technology are evolving faster than the adaptation capabilities of the organizations. The emergence of cloud, social, Internet of Things (IoT), analytics, and mobile offer valuable data sources, which enable companies to interpret information efficiently at lower costs. Technology has pervaded the financial sector and brought in digital banking capabilities. The government and the Reserve Bank of India (RBI) took certain initiatives to increase the use of digital banking during the 2000s. The decreasing costs and more awareness have increased its usage. Online banking improves customer satisfaction by delivering ‘anytime anywhere’ services. Banks are able to reduce costs and...
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