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Financial food for thought
MUDRA (Micro Units Development and Refinance Agency) is one of the most popular and successful initiatives by the Union Government. The scheme is offered under the Pradhan Mantri Mudra Yojana (PMMY).
Pradhan Mantri Awas Yojana (PMAY), the government’s flagship scheme is a Credit Linked Subsidy Scheme (CLSS). It is categorized as urban and rural and is offered on the basis of annual income levels. It offers subsidies on home loan interest rates to eligible borrowers.
Unemployment has been a major problem in India for many decades. It has even snowballed into other socio-economic issues like a spike in crime rates and the rate of suicide. According to recent reports, nearly 31 million people across India are unemployed.
Fiscal policy is the main guiding force in the Indian economy which helps the government take decisions around money matters such as expenditures and savings. It is primarily used to gauge the financial support required for boosting economic activity, and the amount of revenue required to be generated for the same.
When a borrower fails to pay loan EMIs on time, as per the loan agreement, he is termed as a loan defaulter. Being a loan defaulter doesn’t get you labelled as a criminal. And it certainly doesn’t take away your rights to be treated fairly and with respect.
In a significant relief to borrowers, the Finance Ministry recently announced the waiver of interest on interest for small loans up to Rs. 2 crores. The Supreme Court on 14th October approved the scheme and instructed the central government to implement the scheme as early as possible.
Employees' Provident Fund (EPF), shortly known as PF, is a corpus collected by Employee Provident Fund Organisation (EPFO) - a statutory body set up by the Employees' Provident Fund and Miscellaneous Provisions Act, 1952.
In a massive relief to individual and MSME borrowers, the Union Government has announced a waiver of the compound interest incurred by loans during the moratorium period from March to August.
The success of loan restructuring is primarily dependent on how creatively the lenders can implement it. It is also to be seen how well the economic activities restart and consumer demand jumps back to pre-COVID levels.
Credit cards are one of the most powerful financial tools. It provides you with instant access to credit, increasing your spending power, while also helping you enjoy an array of discounts, cashback, and other exclusive offers.
The State Bank of India (SBI) recently launched an exclusive online portal for retail borrowers to restructure their ongoing loans. It aims to provide additional relief to borrowers during these trying times. This is as a result of the financial impact resulting from the novel coronavirus pandemic.
The Coronavirus pandemic has caused major financial distress among borrowers. In such extraordinary times, banks such as ICICI Bank continue to stand by their customers and offer help to those impacted by this pandemic.
Have you been wishing that you could afford the latest flagship smartphone? But, putting off the purchase because your bank balance is low? Worry not, we’ve got you covered! Continue reading for the steps on how to purchase a mobile phone on EMI using your Canara Bank debit card.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, commonly referred to as PM-JAY, is a pioneer healthcare programme initiated by the Honourable Prime Minister. The programme's objective is to provide adequate and free health cover to the vulnerable sections of society – the economically weaker citizens.
The COVID pandemic has affected the lives of people in more ways than one. As part of the relief measures for borrowers, RBI announced a loan restructuring scheme on August 6, 2020. The primary objective of the central bank is to ease the financial stress due to the COVID -19 pandemic.
Inflation is ever increasing and this affects an individual’s capability to accumulate savings. As prices of necessities continue to rise, we spend more with every passing day. Transport, education, daily essentials etc. are all getting pricey as compared to a few years ago.
Societies tend to carry myths like differently-abled individuals are incapable of working and therefore employers also sometimes overlook them. Starting a business venture is one of the healthy alternatives for them.
Personal loan lenders gauge an individual’s ability of loan repayment by verifying his or her credit score. Credit score acts as a summary for one’s credit history, total credit borrowed, how the repayment was made, and several other factors.
The last thing most people worry about while planning a trip abroad is how will they spend money during the trip. If you are one of those who give little thought to this before venturing on your holiday, you may very well end up losing a substantial portion of your money to various fees.
Shopping online is no longer a novelty. Rather, it has become a necessity and part and parcel of our daily lives. From shopping for products that are not available in our neighbourhood stores to paying EMIs, utility bills, ordering takeaways, rarely a day goes by without making an online transaction.
Rahul is an IT employee with a promising career. He is credit-savvy, uses his credit card regularly, and has paid off a two-wheeler loan and a consumer durable loan. He even takes personal loans to purchase the latest smartphone or go on an expensive holiday with his friends.
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