Home Loan Using Banking Statement

 Getting home loan is not that easy if the cibil is poor. Banks always check cibil once this is through , next it comes to income background. If the income proof is from salaried then there will be no issues. They are eligible to take home loan. People who are filing IT returns the best part is they need to worry only for we get more loan amount or less. 

If the person has not done any IT returns and struggling to take home loans they can also able to get the loan by his banking transaction. If the banking transaction is good we have process called banking surrogate program in which most of the eligibility can be taken.  This one can be done only when IT returns not available or salary not credited.

Earlier it was few banks which were doing this program but now all most all the banks are ready to do this. It made business people to get loans. 

Creating Fixed Deposit Online

 Everything is going to be digital after introduction of AI and other applications. Earlier there was online money transfer that too NEFT and RTGS mode. Once the online payment introduction like Google Pay and PhonePay PayTm that made easy to people to transfer money without any charges. But only problem is money should be in account. Fine will come to matter now , opening fixed deposit was little bit difficult since we need to go to bank and get the application and fill all the details open the fixed deposit or recurring deposit. Now the era is changed you need not to go to bank if you got money in bank account and wish to open fixed deposit you can do this online. Yes you can open by doing online verification using video conference if you have computer or laptop or every if you have good mobile. The original documents will be verified online and you get all the details updated by the executive. 

Bank Of Baroda is the bank who has taken up this initiative to do online activation made easy. They have many other products can be done online starting from opening new account to till fixed deposit. So the interest rate is as per the standards. BOB has online application which made easy to people sitting far places can access this. 

FinCare Small Finance Bank

 FinCare bank is now Au Small Finance Bank, they have fixed deposit , home loan and small business loan. You can also use this account 3 in 1 best suitable for trading person. For NRI fixed deposit they get 8% interest rate. Thats really good for them to earn more than saving account in India. For fixed deposit, interest rate is better compared to other banks.

 

If you are looking for any business loans you can apply get your financial things get fullfilled. Keeping average balance is one of the major issue here. Average balance need to be maintained starting from 10,000 and plus accounts 1,00,000 but you get good benefits over this.

Post Office Schemes Comparison OMG

 Fixed Deposit and Recurring Deposit post office was really good earlier. At a glance when I checked from the year 1982 it was almost 11% per annum. It started decreasing year after year. Now the interest rate is reduced to 7.5 % and also certain period of years its 8% only. What do you think ? whether this is because of Government or Companies are into loss. 

Now other banks are giving out 7.5% interest for saving account. If we compare this to Fixed deposit its better to keep this money in Saving account and get some interest out of it. The only problem is if we don't keep, saving account will be zero. Since we don't even maintain balance also. The reason behind we have spending hands, it better to keep this in SIP and other mutual funds which really gives good amount of returns. 

Just check the schemes in Post Office Saving schemes in their website you will get all the details. As per my opinion we have to keep fixed deposit for some amount it will be safe. Some amount should be invested in SIP and other trading accounts to get more benefits in lesser time. 

Cautions : Mutual fund and trading will be risky depends on market. Most of the youngsters are becoming trading experts to make money in shorter period of time. This is not good idea. 

Mutual Fund Invest 2 Lakh get 20 Lakh

Amazing offer in mutual fund. Mutual Fund depends on market risk as we all know that. But how about the investment which doubles your investment returns for longer period of time. One of the client who invested 50 thousand per month in SIP , he got returns of 70 Lakh in 2024 isn't it good returns. This is amazing investment returns which is affordable for 1 or 2 lakh investment returns. 

Just give try so that it helps you to get good returns in future. It all depends on market risk. Meanwhile you go through thoroughly about investment and terms conditions in mutual fund. It yield more returns based on the terms and periods. 

What are the do's and don'ts about mutual fund investment ? 

Before going to any plans you need to check how this operates and what are terms and conditions involved in that. 

Secondly how long we need to keep this so that we get good returns. 

Never depends on any third party so that we should not get loss out of it. 

Please visit and check the market conditions so that we get correct picture on that. 

So there are many other things which we need to be careful. Invest in right scheme and right plan. 

Kissht.Com Financial Company For Personal Loan

 HI Good morning, todays topic is about Kissht.com a online digital financial company. Kissht gives you personal loans online only through digital documentation. Instant personal loan upto 500000 you can avail. This depends on your track record and cibil scores. This online personal loan services are more now. Initially they give out 5000 or 10000 as per your income proof and the documents which you submit. 

Kissht also gives opportunity for topup loans there will not be any physical verification as per my knowlegde. Its unsecured loans directly to your linked bank account. The interest rates depends on your cibil and also the documents which you submit. This online digital financial company is partnered with SMFG, Northern ARC, Piramal finance and many more.

So what are you waiting for just give a visit to this website and try your luck.  

ICICI Bank Fixed Deposit for 7.25% Dhamaka

 ICICI Bank is one of the leading bank in financial sector. They have large customer base and even attractive rate of interest in Personal Loan, Home Loan and Consumer loans. When we look into saving accounts and other Fixed deposits, interest rate depends on the seniority. Normal it starts with 7.25% for tenure period of 15 to 18 months. Isn't it attractive? Minimum amount starts with 10,000 for Fixed Deposit. Below are the details which will help you further. 

1. Regular monthly income available. You can take interest as payout. 

2. Simple investment which gives flexibility

3. Returns will be safe and its secure. 

4. Tenure period is 3 months upto 10 years

Many more ..