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FDs are a type of investment that inculcate the habit of saving among the depositors. FD interest rate  offered varies from one bank to another and also depends on the tenure selected. Financial institutions provide monthly interest on FDs. Moreover, certain financial tools can help investors choose the best scheme to provide the highest profit. How to convert annual interest rate to monthly interest rate? Follow the given steps to convert annual FD interest rate into monthly interest...
Borrowing money from a bank is not an easy task. The determination of the amount that is to be borrowed isn’t easy either. It is an essential that an individual plan the loan amount properly before applying for a personal loan. Personal loans are usually unsecured loans which are granted by the bank on the basis of your credit score and other eligibility criteria. Personal loans are different from other loans which are backed by collateral securities. Under personal loans, collateral...
There's no better time than now for the prospective home-owners who have been looking to dabble in the real estate market. Regarded as the country's largest lender by assets, State Bank of India (SBI) has announced another steep rate cut following RBI’s fourth consecutive repo rate cut this year. For the uninitiated, the repo rate can be described as the interest rate at which the RBI lends money to commercial banks.   MCLR Cut – August With effect from 10th August 2019, SBI...
A low rate of interest is the only factor that customers look for when finding a loan. Hence, financial institutions also compete with each other for offering attractive interest rates. You can avail loans under two categories – secured and unsecured. The interest rates of these are considerably different.    Unsecured or collateral-free loans don’t require the customer to pledge an asset with the lender. However, these loans come with considerably higher interest rates....
Today, getting a dream house is incomplete without getting a home loan. Thus, getting an ideal loan is as important as finding an ideal home for you and your family. In a competitive world, there are not less than 50 home loan lenders who are keen on giving home loans to people looking to buy a home seeking these groups. However, the big question that comes into the picture, whom (lender) should you choose for getting your home loan. After all, taking a home loan is announcing a long-term...
Bring home your favorite two wheeler with a loan. Banks and financial institutions across the country offer loans for the purchase of all two wheelers. This makes it easier and convenient for you to buy a new two wheeler without burning a hole in your pocket. You do not need to break the fixed deposit or worry about how you will make the entire payment for the purchase. All you need to do is simply apply for the loan and get a two wheeler loan online approval. All individuals above the age...
Buying a house is the top priority of every individual in India, but due to the high property rates, it is not possible for everyone to buy a house. It involves a huge sum of money to buy a house. With the rising realty rates, people often turn towards Financial Institutions and Non-Banking Financial Companies (NBFCs) for financial aid to buy a house. When you apply for a Home Loan, you need to plan it well. A loan can only be beneficial if you choose the right combination of the principal...
Every person wants to buy a favorite vehicle of his choice. Buying a vehicle needs a lot many things, be it financial requirements, space for parking, and the actual desire. There are many people who prefer not buying it; they rather prefer using cabs and public transport, as they feel that it will be difficult for guaranteed motorcycle financeand it will bring more hassles of maintenance and parking. The ones who want to buy need to fulfil certain requisites like arranging the finance and a...
If you are in the market shopping for or planning to hit the market for the best home equity line of credit, there is a possibility that you need to know how to calculate a home equity payment. Today, this process has been simplified with hundreds of online home equity line of credit calculators or (HELOC payment calculator) which automatically generate a monthly payment spreadsheet. However, knowing how to use your pen and paper to manually calculate your home equity line payment is vital. In...
RISK MANAGEMENT IN BANKS   Risk management as a whole is the process of analyzing, recognizing and taking or mitigation of uncertainty as a result of an investment decision. Once investment objectives have been set and the level of risk tolerance set there is need for the investor or the fund manager to carryout analyses so as to the degree of exposure the business is towards lost and set up appropriate actions to stop or reduce the level of risk. It has been shown by the recession that...
Every person who has any source of income is entitled to pay taxes. The source of income could be monthly salary, a business profit turnover or even a regular freelancing job. The entire process of calculating taxes is based on the norms and slabs laid out by the Income Tax Department of India. What Is Income Tax? Income tax is calculated based on the annual income that is accrued from various sources. As the income increases the tax applicable on the income also increases. Various portals...
  The year 2017 has become a turning point for the Indian economy. As announced in the Budget 2017, incomes exceeding the threshold of INR 3 lakhs are liable for a tax payment which is a relief for people who come under this income bracket. Previously, the threshold was INR 2.5 lakhs which has currently increased by INR 50,000. However, the situation for taking a fixed deposit (FD) is quite different. Besides the income, you are also charged with tax on the FD returns which exceeds over...
The monetary market fluctuates quite often and any new investor as well as seasoned investor would advise you to opt for the less risky option of all the financial investments – the fixed deposit. It is easy, comfortable and you can even learn how to invest in fixed deposit online without getting out of your chair. What’s not to like? Well, various factors influence Fixed Deposit rate, not just the time period and amount. In fact, you would be surprised to note the amount of...
Health is a major issue in our lives. We can find out about the health condition through several ways one of them is the respiratory rate. In good health can we do things properly. It’s not that in sickness we can’t have fun or do things but being in a healthy condition we can have more fun and everything can be done with more energy.    A lifeline device: Vincense has made a health check up device which is now available for everyone. It monitors heart pulse rate,...
Business Cards Business cards are cards containing business information about an individual or a company. They are distributed during formal introductions as a memory aid or convenience. A business card usually  includes the, company or business affiliation, giver's name and contact information such as telephone number(s),street addresses,e-mail,fax number addresses and website.Before the arrival of electronic communication business cards could also include telex details. Nowadays...


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