Thursday, September 20, 2018

Indian Money Review - Should India Adopt Electric Vehicles?


In August 2017 the then Union Power Minister Piyush Goyal declared that India would move an all-electric car fleet by 2030. This announcement of plan was to ease contaminating vehicular emanations on congested streets. The move overwhelmed auto producers and questions endure on the electric auto development in India. The Government has now set a sensible focus of 30% electric vehicles by 2030.

The Government at the Center is endeavoring to make a hearty electric vehicle market, through activities like worldwide tenders and Faster Adoption and Manufacturing of Hybrid and Electric Vehicles in India (FAME). While the Government is advancing the utilization of electric vehicles, the issue lies with the heading of these approaches. According to IndianMoney.com CEO as the Center delays, many State Governments have taken off clear electric vehicle approaches.
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A survey by Indian Money review  a leading daily revealed that 90% of car owners in India were willing to make the switch to electric vehicles. The main reason behind adopting electric vehicles was air pollution. A report titled India: Health of Nation’s in November 2017 stated there was a 17% rise in deaths and disabilities in India due to diseases caused by air pollution. Indian Money Bangalore India’s shift to a shared, electric and connected mobility can cut carbon dioxide emissions by nearly one gigatonne by 2030.
Let’s take a look on Should India Adopt Electric Vehicles? Want to know more on investment planning? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products.
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Friday, September 7, 2018

Indian Money Bangalore - Intricacies of Home Loans


Interested in getting a home loan? If so, then you need to improve your knowledge about down payments, EMIs, and how to improve the likelihood of loan approval. So, let us delve into the details in this IndianMoney.com Review of home loans.
Indian Money Review – How to Get Faster Approval for Home Loan?
Few things you can do to improve your chances of getting a home loan include:
1.       In your loan application include a co-applicant who has a regular income. This way you will be able to enhance your eligibility.
2.       Ensure that you have good source of income and if there are good number of investments then it can help you in arranging money for the down payment.
3.       It will also be necessary to pay off all existing debts and loans.
4.       Try to maintain a good CIBIL score.
IndianMoney.com – How to Arrange Down Payment Money?
·         Analyze LTV: LTV or Loan to Value refers to ratio between amount that bank is prepared to give loan for and property’s market value.
·         Check Government Schemes: As per Indian Money Bangalore, government usually starts different housing schemes on regular basis such as Pradhan Mantri Awas Yojna. So, it will be necessary to keep checking on regular basis to utilize these schemes.
Indian Money Reviews Intricacies of Equated Monthly Installments
Equated Monthly Installments or EMI refers to the fixed amount you are required to pay on a monthly basis to the bank. This EMI consists of a part of principal amount and the interest.
The complete amount of loan that you are taking is added with interest on that amount. After that, the final amount is divided into total tenure of the loan to arrive at the EMI amount. The main benefit of EMIs is that it helps you set your monthly budgets since you are fully aware of the amount you will have to pay every month.
How to choose the Right Home Loan?
Selecting the right Home Loan is essentially selecting a Home Loan offered by the right lender. Selecting the right lender is an important decision. There might be many lenders ready to offer Home Loans. Nevertheless, that doesn’t mean they are offering the best deals. Home Loans are loans of long tenure, which might be around 20 years. Therefore, it is crucial that you do proper research before finalizing the bank or Lender.
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Thursday, September 6, 2018

Indian Money Reviews - Different Aspects of Business Loans


Indian Money Reviews - Different Aspects of Business Loans
During the course of business it becomes necessary for every business to take a business loan. In this Indian Money review we will be looking at few of the important aspects that you need to take into consideration while applying for a business loan.

How to qualify for a business loan?
According to IndianMoney.com CEO, to get the right business loan what you will have to do is:
1.       Analyze various loan schemes that are available so that you can select the best one.
2.       Create a strong business plan since as per Indian Money reviews, banks need to a good reason to fund you. By analyzing the business plan they will be able to determine whether it will be feasible to approve your loan application.
What are the reasons for which people take a business loan?
There are several reasons for which people want to take a business loan. These include:
·         Business Expansion: Indian Money Bangalore has reviewed some reasons such as business expansion which compels owners to take a business loan.
·         Stock Inventory:Having necessary stock is necessary for every business and to accomplish this task it becomes necessary to take a business loan.
·         Maintain Cash Flow: Cash flow is important for every business and delayed payments can easily derail business functions. As per Indian Money Bangalore, business loan at the right time can help you avoid cash crunch.
·         Purchase and Maintain Equipment: Equipment used in a business establishment is susceptible to wear and tear. Additionally, many of the equipment also turns obsolete after some time and needs replacement. By taking a business loan you can avoid these expenses from derailing your budget.
What are the different types of business loans?
As per Indian Money review Bangalore, there are different types of business loans that you can select from, these business loans include:
1.       Term loan
2.       Loan against property
3.       Loan against securities
4.       Letter of credit
5.       Cash credit facility
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Saturday, September 1, 2018

IndianMoney.com - Which is Better, a Personal Loan or Business Loan?


Will it be better to take a business loan or a personal loan? Indian Money reviews both options so that you can select the option that will be most suitable for you.
Indian Money Review – Should a Person Take a Personal or Business Loan?
Personal Loans
This kind of loan falls in the category of short term loans and helps people meet their financial emergencies. Moreover, as a borrower you will have to repay this type of loan within a period of one to seven years.
As per Indian Money CEO, these loans are considered unsecured loans since there is no collateral or security used for this type of loan. Additionally, since these are unsecured loans, banks and other lending agencies tend to charge a higher rate of interest for such loans.
Business Loans
As the name suggests, these loans are taken primarily for business purposes and help with tasks like meeting working capital requirement, business expansion, and other similar requirements.
So, which type of loan is better? Let us look at the details in the following section.
IndianMoney.com Review –Which is better, a personal loan or business loan?
1.       It is easier to get a personal loan compared to a business loan.
2.       Banks will not be asking why you want a personal loan. On the other hand, when you take a business loan, lenders will be checking your business plan, credit score, and rest of your financial statements.
3.       Personal loans have lesser processing time than business loans.
4.       You will have to pledge collateral for obtaining a business loan but such requirement does not exist for personal loans.
5.       If a personal loan is taken then repayments are not made in time then it can have negative effect on credit score.
6.       By taking a business loan you are able to separate your business from personal finances. Additionally, you will not have personal liability if there is a business default.

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Thursday, August 30, 2018

Indian Money CEO Reviews Main Benefits and Features of Business Insurance



Indian Money CEO Reviews Main Benefits and Features of Business Insurance
If you want to have peace of mind that your business will be protected from financial losses then taking business insurance will be the right thing to do. Indian Money CEO, C S Sudheer reviews all the aspects you need to check when getting business insurance.
Different Types of Business Insurance, Their Features and Benefits
Business Insurance - Types
According to Indian Money review of business insurances, there are basically six types of business insurance such as:
1.       Business interruption insurance: This covers loss of income that your business suffers during natural disasters.
2.       Worker’s compensation insurance: To protect your business from having to pay for expenses in case employees are injured at the workplace.
3.       Professional liability insurance:  This insurance focuses on protecting a business from costs that arise because of errors and negligence committed by a business.
4.       Product liability insurance:  As per IndianMoney.com Bangalore, if you have a manufacturing business then this type of insurance can protect you from claims that arise because of injury or damage your products cause.
5.       Business property insurance: Indian Money reviews business property insurance which proves to be useful in protecting physical assets of a business.
6.       Group health insurance: As the name suggests, this insurance provides healthcare benefits to workers. Moreover, they also offer tax benefits to your organization.
Features of Business Insurance
1.       This type of insurance protects your business from different types of lawsuits.
2.       This insurance also covers for losses resulting because of errors and negligence.
Benefits of Business Insurance
IndianMoney.com reviews few of the main benefits of taking business insurance:
·         Business insurance proves to be helpful in covering losses in case there is a business interruption due to varied reasons.
·         If there is a natural disaster then this type of insurance helps in protecting your business from financial losses.
·         Your business gets more credibility when it is insured.
·         If there is employee unrest then this insurance ensures there is no loss of income.
Want to know more on Business Insurance? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products.
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Saturday, August 25, 2018

Indian money complaints - Chat bots In Financial Services


Indian money complaints - Chat bots In Financial Services
The buzzword in the World of Financial Services is the chatbot. What is this chatbot? A chatbot is a computer program designed to stimulate conversation with a human user over the internet. It mimics a human conservation which includes text and spoken language using artificial intelligence techniques. What’s great about the chatbot is it learns from past interactions and becomes intelligent with time.
Chatbots have wide applications in customer support where they address customer queries, insurance where they explain risk and various insurance products and also financial services like banking where they help customers avail banking products.
Want to know more on Investment Planning? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.
Chatbots In Financial Services
1. Chatbots for banks in India
Chatbots are making their mark across the Indian Banking Industry. Many top private banks in IIndia areusing AI-powered chatbots and voicebots to enhance the customer feel.
So, what are the applications of chatbots in the banking industry? Banks are using chatbots to offer customers personalized services, to answer customer queries and give customers an idea on the various banking products.
Many citizens in India have adopted mobile banking and this is where chatbots play a large role. Chatbots help banks streamline communications, promote interactions and widen the customer experience. Simply speaking Chatbots are your 24*7 Personal Banking Assistant.
A chatbot helps with banking related queries and answers them anywhere, anytime. There’s no need to wait on a call or search online. With the services of a chatbot, you can send and transfer money, pay your bills, get the mini-bank statement, check bank balance and take a look at all the recent transactions. Chatbots also help you locate bank branches and ATMs.
There are chatbots at banks which can answer questions like interest rates on home loans, interest rates on loans and any generic question on banking.
With growing popularity of mobile apps can chatbots be far behind? Some of the famous chatbots are Yes Banks: Yes robot, HDFC Banks OnChat, ICICI Banks: iPal and SBI’s chatbot called SBI Intelligent Assistant.

2.  Chatbots for insurers in India
Insurers have a new friend and it’s called the chatbot. If your insurer responds to your queries in seconds and you are surprised, blame it all on the chatbot.
Many of the top insurers in India are investing in chatbots. Insurers are using chatbots for customer support and sales. So, how do you benefit from chatbots in insurance?
Well for one, there’s faster customer service. If you write to the insurer asking for a copy of policy documents, an email bot responds in an instant. You can easily get queries answered through chatbots of top insurers. There’s more….The chatbot helps to register claims, check the status of life insurance policies, check the claim status, and locate the branch of an insurer, a network hospital or even a workshop….
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Thursday, August 23, 2018

Indian Money Review - 5 Tips to Help You Use Your Credit Card Properly

If you want to make best use of your credit card then the tips we will be sharing in the following sections will definitely help you. So, let us find out what all you need to do and not to do while using a credit card in this Indian Money review.

Tips on How to Properly Use a Credit Card
Tip #1: Select the Right Card
During Indian Money Review it was noticed that the best card is one which matches your spending needs. Additionally, you need to choose one that offers maximum benefits. For instance, if you travel frequently then a credit card that offers features like lounge access, hotel vouchers or air miles will be right option for you.
Tip #2: Monitor Your Spends
As per IndianMoney.com, You should only spend up to that limit which you will be able to repay. If you don’t then it is likely that you will fall into the dreaded debt trap.
You will be struggling with your repayments after overspending and as such, it will be important to avoid this type of thing from happening.
Tip #3: Don’t Make Minimum Payments
Paying minimum balance due is never the right thing to do since it will attract interest at a high rate and increase the debt burden you are bearing.
Tip #4: Credit Utilization Ratio
According to Indian Money review, you need to make sure that the credit utilization ratio remains under 40%. This ratio refers to ratio between total credit limit used compared to your available credit limit.
If you break this level then it will have a negative impact over your credit score and reduce it. In such situation, your chances of getting a loan will also get affected.
Tip #5: Limit Number of Cards
As per C S Sudheer Indian Money, you should ideally have not more than 3 cards. If there are more cards then you will feel like spending more and you will be left money to invest and save.
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