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Money Guru: What to keep in mind while choosing a fund? What mistakes should be avoided in investment?

Money Guru: What to keep in mind while choosing a fund? What mistakes should be avoided in investment?

Wed, Nov 01, 2023

Investment: If you want to earn more profits by investing in Mutual Funds (MF), then it is important that you improve your portfolio. Instead of taking a new fund for every goal, it is important that you build your portfolio thoughtfully.

Discover PNB One: Your gateway to modern banking

Discover PNB One: Your gateway to modern banking

Tue, Oct 10, 2023

In today's fast-paced world, convenience and security are paramount when it comes to managing our finances. Punjab National Bank (PNB) understands these needs and has introduced PNB One, a revolutionary one-stop solution that caters to all your banking requirements.

Don't want to fall into a loan trap? Here’s how to verify lender before borrowing

Don't want to fall into a loan trap? Here’s how to verify lender before borrowing

Fri, Oct 06, 2023

Fraud lenders often lure desperate loan seekers with attractive offers, making them fall into a trap. It’s often safe to avail loans from a bank or a reputed NBFC.

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Here is why it’s important to obtain a housing loan NOC

Here is why it’s important to obtain a housing loan NOC

Thu, Oct 05, 2023

It's important to get an NOC after the repayment of a loan as it serves as a proof of closure of the loan. If you forget to get a loan NOC, it may negatively affect your CIBIL score.

SBI, HDFC Bank, Axis Bank: How much processing fee are prominent banks charging for home loans?

SBI, HDFC Bank, Axis Bank: How much processing fee are prominent banks charging for home loans?

Sat, Sep 30, 2023

Home loan processing fees can go as high as 2 per cent of the loan amount plus taxes, according to the charges levied by popular banks. However, some banks offer home loan services at charging 0.35 per cent of the home loan as processing fee.

Money Guru: Is it wise to make festive purchases on loan?

Money Guru: Is it wise to make festive purchases on loan?

Thu, Sep 28, 2023

Loan Offers: Festive season is starting from the month of October, so today we will know from experts how we can take advantage of festive offers, and is it wise to buy during the festive season?

Cover your immediate expenses with Rufilo's personal loan

Cover your immediate expenses with Rufilo's personal loan

Thu, Sep 28, 2023

There are various things that are totally unpredictable in life. The urge to buy new products is always there in homo sapiens, like buying a new cellphone or going out shopping; these needs can knock on the door anytime.

Illegal Loan Apps: How to identify and protect against fake lending platforms?

Illegal Loan Apps: How to identify and protect against fake lending platforms?

Tue, Sep 26, 2023

The government has taken several measures to tackle the rising scams by illegal loan apps. Always download the apps of trusted banks and NBFCs to avoid such loan scams.

Can a loan foreclosure spoil my credit score?

Can a loan foreclosure spoil my credit score?

Fri, Sep 22, 2023

Loan foreclosure is the process of making a complete repayment of the loan amount before the end of the tenure. Loan foreclosure can affect a borrower's credit score, both negatively and positively.

Overdraft (OD) vs Personal Loan: Which is a better option in the short and the long term?

Overdraft (OD) vs Personal Loan: Which is a better option in the short and the long term?

Thu, Sep 14, 2023

Personal loans and overdraft facilities are among the two common loan options that borrowers can opt for in case of quick financial need.

RBI introduces guidelines for timely release of property papers to borrowers after loan repayment

RBI introduces guidelines for timely release of property papers to borrowers after loan repayment

Wed, Sep 13, 2023

RBI issues rules for returning property documents, papers will have to be returned within 30 days of full loan payment

Banks Keep a Close Eye on Your Negative Comments on Social Media Platforms

Banks Keep a Close Eye on Your Negative Comments on Social Media Platforms

Mon, Sep 11, 2023

The leading banks of the country are now keeping an eye on the comments on Social Media platforms along with checking the Credit Score of the company or businessman.

India 360: Credit on UPI launch at Global Fintech Fest

India 360: Credit on UPI launch at Global Fintech Fest

Wed, Sep 06, 2023

India 360: Credit on UPI launched in Global Fintech. Now loan will be available on UPI also. Know what else happened and what will be its process.

Consumer Durable Loans: Know about challenges and opportunities

Consumer Durable Loans: Know about challenges and opportunities

Wed, Aug 30, 2023

Consumer durable loans aid in improving the quality of life for borrowers as they can get access to products with the help of the loan. However, such loans may come with higher interest rates compared to other borrowings.

Can a bank auction my property if I default on my loan?

Can a bank auction my property if I default on my loan?

Tue, Aug 29, 2023

If you default on the repayment, the lender has a number of measures lined up to get back their money. This includes the SARFAESI Act, 2002, under which the lender may auction the property kept as collateral.

Money Guru: How to manage expensive loan, pay EMI or do SIP?

Money Guru: How to manage expensive loan, pay EMI or do SIP?

Mon, Aug 28, 2023

SIP: Have you thought how to compensate for this? That is, how can we get back the interest that we will give for the next 20 years. So that the house price is recovered. An easy way of this is SIP strategy.

What’s covered under home insurance and what’s not

What’s covered under home insurance and what’s not

Wed, Aug 23, 2023

A lot of policyholders are unaware of their home insurance covers. The policy not just protects the physical framework of the house, but also possessions like electronics and furniture

Loan Against Property vs Gold Loan: What is the difference? Which is a better option?

Loan Against Property vs Gold Loan: What is the difference? Which is a better option?

Mon, Aug 21, 2023

Gold loans and loans against property are the two most common types of secured loans. However, before availing these loans the borrowers should check interest rates and other key factors to avoid financial troubles.

Loan Resetting: RBI allows these floating rate loan borrowers to change EMIs and loan tenures

Loan Resetting: RBI allows these floating rate loan borrowers to change EMIs and loan tenures

Sat, Aug 19, 2023

At the time of sanction of EMI based floating rate personal loans, REs are required to take into account the repayment capacity of borrowers to ensure that adequate headroom/ margin is available for elongation of tenor and/ or increase in EMI, in the scenario of possible increase in the external benchmark rate during the tenor of the loan.

Loan vs Savings: Which is a better option to buy a car?

Loan vs Savings: Which is a better option to buy a car?

Thu, Aug 17, 2023

A car loan offers one the opportunity to fulfil their wish to own a four-wheeler without impacting their bank balance significantly. Using one's savings to finance a four-wheeler purchase frees them from any debt obligation.

Bank Loan: Can I apply for a fresh loan after defaulting on one?

Bank Loan: Can I apply for a fresh loan after defaulting on one?

Mon, Aug 14, 2023

Loan defaults can lower the borrowers' credit score, further affecting their financial credibility and making it difficult to avail new loans in the future. Many borrowers are often confused whether they can get a new loan after defaulting on an existing loan.

Personal Loan: Borrowing money from online apps? Don't ignore these red signals

Personal Loan: Borrowing money from online apps? Don't ignore these red signals

Mon, Aug 14, 2023

Online lending apps have attracted significant attention over the past couple of years over their dubious loan terms, illegal loan recovery practices and other fraudulent practices. If the app is not on the whitelist or is present on the banned list, avoid it at all costs.

Centre directs banks, civic bodies to work in tandem on scheme for loans to street vendors

Centre directs banks, civic bodies to work in tandem on scheme for loans to street vendors

Sun, Aug 13, 2023

The meeting was attended by representatives of the state governments, commissioners of municipal administrations and convenors of state-level bankers' committees (SLBCs), among others.

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