How to Handle Customer Complaints a Review by Indian Money

When a company receives a customer complaint, they should consider it as constructive feedback and handle it with the right attitude. Unfortunately, many businesses think handling customer complaints is a frustrating process and tend to ignore them. Doing so has a negative impact on the business.

Complaints against brands are very common and happen each day. Complaints are usually posted by customers who are not happy with the products or services offered by the company. Even though companies try hard to reduce consumer complaints and keep customers happy, sometimes things are out of their control.

Customers are the stakeholders of a business, so it’s very important to keep them happy. If a company has a lot of unhappy customers, it has a negative effect on the business. If a customer is unhappy with the services or the products, they will not keep quiet and propagate this to the whole World. If a business keeps customers happy, this is free marketing for them.

How To Handle Customer Complaints?

Whenever companies receive consumer complaints, they should ask consumers to be part of the solution, and should not view them as part of the problem. We will now discuss how companies can handle consumer complaints effectively.

React to the complaint immediately

If companies receive complaints from customers, they must respond immediately. Complaints can be received via social media, mobile, email or through a complaints portal. If complaints can’t be resolved immediately, customers must be kept informed that the issue is being looked into and will be resolved soon.

Be calm and handle the issue

As Per Indian Money Review In most cases, customers who post complaints would be angry and speak to customers care executives, rudely. The customers care executives must never lose their cool and listen patiently to the complainant. Yelling back at the customers will not help

Collect the required details

Once the customer is done vis-a-vis concerns, the customer care executive should collect all the necessary details and understand what’s the issue. He must build a rapport with the customer.

Resolve the issue as soon as possible

After the requisite information is collected, the company must take the necessary steps to resolve the issue as soon as possible. If the complaint is resolved quickly, the customer will be happy and will come back again and again.

To handle customer complaints effectively, the company must hire smart personnel who can speak to the customer in a polite and caring manner.

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Indian Money dot com Review on Pros and Cons of Buying Insurance Online

Insurance basically means protection. It provides protection against the loss of an asset or human life. According to the IndianMoney review, insurance planning is an important part of financial planning.

With the advent of technology, things are not the same. Today, people use internet for everything, be it to find information or to make essential purchases. There are a number of things which can be done online, like buying groceries to insurance plans. Indian Money reviews say that people prefer doing most things online, rather than offline. Gone are the days where insurance policies were sold only by insurance agents. Many insurance companies sell insurance online and a lot of people prefer making the purchase, as it is cheaper when compared to purchasing insurance offline

IndianMoney dot com review says that, while buying insurance online has many advantages, it also has drawbacks. In this article, we will discuss the various pros and cons of buying insurance online.

What is an Insurance Plan?

Insurance basically means protection. It provides protection against the loss of an asset or human life. While home insurance provides protection against the structure of your home, term life insurance protects your family in case of an unexpected demise. According to the Indian Money review Bangalore, insurance planning is an important part of financial planning.

IndianMoney Review on Pros and Cons of Buying Insurance Online

Pros of Buying Insurance Online

Ease and convenience

You can buy insurance policies online at the convenience of home, office or even while traveling. Many insurance companies have chat bots which suggest insurance policies on the basis of needs.

All the details of the policy are documented and you will have enough time to go through and choose the best. In the case of online insurance, you will be filling in all personal information yourself. So, there will be fewer chances of errors.

To buy an insurance policy online, all you have to do is visit the official website of the insurance company, provide the required details and make payment, online.

Lower premium

Buying an insurance policy online can help save a lot of money as the premium of online insurance policies is low, when compared to policies bought offline. Usually, many insurance companies offer online policies at around 30-40% discount. This is mainly because in the case of online insurance, there are no intermediaries or agents between the insurance company and customers.

Cons of Buying Insurance Online

Difficulty in understanding the product

While buying an insurance policy online, most people may not completely understand the product as there will be certain terms which are not very clear. Due to this lack of transparency, many people end up buying the policy based only on the premiums and the insurance cover against the premium, ignoring various other clauses which are also very important.

Non-availability of personal services

While buying an insurance policy online, you will be directly interacting with the insurance company and there will be no agent to assist on claim settlement, filling up proposal form and so on.

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Lead Market Feedback - How the Leads Helped Me Grow My Business

Lead Market is a branch of IndianMoney.com, which is a platform created in order to provide financial advice to people. Lead Market Bangalore review states that it is one of the most trusted and reliable sources for authentic lead generation in the country. There have been numerous reviews and feedbacks which approve this fact and there are hardly any complaints on LeadMarket.

Some LeadMarket reviews and LeadMarket feedbacks

Mr.Rajat Rao, a former civil engineer turned financial advisor, reviews as to how LeadMarket helped him in getting better leads and thus helped in the growth of his career. According to him, before his association with LeadMarket, he had to go find potential customers, reach out to them and then fix an appointment with them, after which these customers would be given certain financial advises regarding their investments. And these people, more often than not, would not be interested in following them. But after his tie up with LeadMarket, he was able to get customers through them, who actually wanted leads related to their financial procedures. This increased his business greatly.

Another Lead Market Bangalore review comes from Mrs.Geetha Saxena. She recalls that being the wife of a doctor, she had seen so many patients and their relatives dealing with financial problems. She admits that most people don’t know about the various financial options they can choose. This prompted her to join a finance insurance company and later on came in contact with LeadMarket. Lead Market feedback given by her states that the company ensures easy contact with the clients, due their excellent networking skills. She also stated about the immense cooperation of the employees at each and every stage.

Mr. George Thomas, who comes from health, service and insurance background talks about his experience with LeadMarket. He says that on returning from Saudi Arabia, after working for 18 years, he wanted to join some place where he could assist the middle class people to spread more awareness about their financial dealings.

According to the LeadMarket Bangalore review given by him, he came in contact with Lead Market through one of the employees, while he was working as a health insurance officer. He talks about the fast moving pace of the company and the growth it’s achieving in such a short span of time, which interested him and further talks about the lasting impression that was left on him due to the unrelenting cooperation of the team members.

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Review of Top Reasons behind Popularity of Lead Market Bangalore

Lead Market Review is a branch of IndianMoney.com, created by Mr. CS Sudheer lead market. The aim of Lead Market Bangalore is to provide quality leads to its customers for all kinds of financial products including insurance, stocks and mutual funds.

 Reasons behind popularity of lead market review Bangalore:

- Time and energy saver:

 People usually spend a lot of their valuable time trying to generate leads for their company. But lead market Bangalore that with their assistance; their customers would not have to spend time in this area and can invest their time to convert the received leads into something meaningful.

- Trustworthy

Lead Market Bangalore is one the oldest and most trusted companies for lead generation in our country right now. According to Lead market review, the leads provided by them are quite authentic and can be trusted more than most other sources. There are a lot of companies who do not exactly provide, what they had offered. There have been instances where the companies did not even respond, once they got the money. Thus finding an authentic source is very important in this market.

-Responsive

This is a quality that most companies lack. People always prefer the ones which are ready to answer them at any given time. They try to find firms which respond to their queries immediately as each minute is precious to them. They would not be interested to approach a company which has a lukewarm attitude towards their questions. As far as Lead Market reviews Bangalore are concerned. It’s noticeable that their customers are pretty content with their responsive as well as responsible attitude.

- Better Returns: Although investing in companies like Lead Market for lead generation can be a little expensive at times, especially for smaller firms, it’s still worth every penny. When you entrust the task of finding leads to a separate entity, it lets you focus on other areas of your company. Lead Market Bangalore reviews also state that their leads are of great quality. Thus, when you receive such quality leads, it becomes easier for you to convert them easily and earn more money, than what you invested in Lead Market in the first place.

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Why you should buy leads? A Lead Market Review

Businesses spend good amount of money to purchase leads from lead market and there are very good reasons why they do so. Let us examine the reasons in the following sections.

Why buy leads – Lead Market Review?

Save Precious Time

Feedback about lead market shows us that businesses and their sales teams usually save a lot of time if they are purchasing leads from lead market. This happens because getting in touch with prospects, collection of all relevant data required for the campaigns, and executing other associated tasks consumes good amount of time.

High Quality of Leads

Lead market complaints tend to be very less or almost zero when businesses are buying leads. The primary reason for such feedback is that the leads are generally of very good quality. Leads tend to be relevant since buyers are allowed to segregate leads of as per their requirement like age, gender, roles, job profiles, industry, etc.

Uniqueness of Leads

C S Sudheer lead market review highlights the fact that if leads are purchased from a good firm, you get the assurance that you will be provided genuine and unique leads which have not yet been shared with others. As such, you can expect positive response when you contact those leads.

Fulfill Instant Requirement

Indian Money lead market review Bangalore shows that if there is an urgent requirement to achieve more sales then you can but additional leads and reach your targets.

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Which Type of Lead to Purchase - An Extensive Lead Market Review

If you are new to buying leads then you will find this article very informative since in this lead market review we will look at all the different leads you can purchase and their differences.

Lead Market Reviews Different Types of Leads

According to lead market review Bangalore, leads are named according to the type of response they receive when sales team calls those leads. Let us explore all the intricate details in the following sections.

Leads of Customers Who are Not Interested

As per lead market Feedback, cold calls are something that everyone usually receives. For example, if someone from a credit card firm calls you even when you did not apply for a card then it is a cold call that you are receiving. According to review of lead market complaints, most of the time, the customer is not interested in such products and if you are purchasing these leads, you will be buying cold leads.

Leads of Customers Who have Shown Interest

C S Sudheer, Indian Money CEO explains that these are the people who have expressed their interest in your products by subscribing to newsletter. It could also be that they are following your company page on social media websites or have shown interest in your products in some other way.

C. S. Sudheer review shows that such users are generally positive prospects since they are more interested to know about your products and accordingly, rate of conversion is usually higher.

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Indian Money Review - How to Avail Lower Rate on a Personal Loan

If you want to get a personal loan then it will be important for you to do everything possible to get the loan for a lower interest rate. In this Indian Money review we will look at how you can qualify for good interest rates when applying for personal loans.

How to bring down interest rate on personal loans?

Before you apply for a personal loan, you need to be aware of the fact that these loans are approved as per ability of the borrower to repay the loan and also on person’s credit score. Indianmoney.com Bangalore reviews aspects that you need to consider for getting a personal loan at best rate.

Timely Repayment of Debts

You will be able to maintain good credit score when you pay your debts (such as loan installments and credit card dues) in time. Other things you can do are, limit the cards you use, control the usage for cards, make timely payment of EMIs, and if possible take secured credit.

Stay Away from Applying for Several Loans Together

Indian Money company reviews show that if a person is applying for loan from several companies at a time then it brings down person’s credit score. This, in turn reduces the chances of loan approval since multiple credit checks negatively effects applicants CIBIL score.

Stability of Job

In Indianmoney dot com review it was found that personal loan providers expect that an applicant has a minimum of 2 years of experience in a job. This highlights job stability person has and qualifies him or her for better interest rate.

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Features to Examine When Looking for Health Insurance - Indian Money Review

Our aim here will be to examine the features everyone should analyze before buying health insurance. Let us go through the details in following Indian Money review.

Indian Money Review of Health Insurance Factors

Limit on Age of Insured

As per Indian Money review Bangalore, people should select a plan where they can apply for the insurance up to the age of sixty. In addition, they should check whether the insurance plan offers lifetime renewability. This is an important consideration since there are insurance firms which forbid insurance plan renewal after a certain age.

Additionally, you need to be aware of the fact that people are allowed to avail this type of insurance up to the age of 65 as per guidelines specified by IRDA.

Current Illness

Review performed by IndianMoney dot com Review, C S Sudheer Bangalore, people should check if the plan they want to select offers coverage for pre-existing illnesses and critical ailments. Moreover, the best health insurance plan would have minimal waiting period with respect to pre-existing diseases.

Option of Co-payment

Co-payment is a type of payment mode in which people have to pay a certain amount from the amount they are claiming. After a certain age, many insurance companies make it mandatory for people to agree to co-payment option. Additionally, in this type of plan the premium amount remains low. But, people need to make sure the amount for co-payment is not very high or else they need to pay more when they make a claim.

As per C. S. Sudheer, IndianMoney CEO, if you are facing problems then you can file a complaint against the same.

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Indian Money Review, Indianmoney - How Retirees Can Avoid Investment Scams

Senior citizens usually complain that scammers often target them for scams related to retirement planning. Our aim here will be to explore all the intricate details so that you do not fall prey to these scams and frauds.

Indian Money Review – How Retirees Can Save Themselves from Retirement Planning Scammers

People close to retirement age begin thinking about retirement planning and investment to protect their future. It is also the time they try to get some leisure time for themselves and their families. But, these aspirations can be negatively affected if they fall prey to retirement planning scams.

IndianMoney.com Bangalore review shows that there are many investment offers that are available in the market that do not deliver results as promised by the provider. Indian Money complaints review division performed a thorough analysis to find out details about these investment scams and how they function.

Scams Retirees need to be Wary of

Unsolicited Offers

Retirees often complain about unwanted emails or sms they receive from firms related to retirement planning. According to Indian Money Company Bangalore, retirement planners should not entertain such correspondences.

The main reason is that such unsolicited offers are usually scam tactics utilized by fraudsters. The best option is to get in touch with a bank in your area and discuss investment goals you want to achieve so that bank can suggest best options that you can utilize.

Rushed into Taking a Decision

As per Indian Money review, investment scammers will generally rush you to take financial decisions in haste so that you do not get enough time to check the advantages and drawbacks of such investment.

In addition, they usually tell that it is a short time offer and you will have to act immediately to avail this offer.

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IndianMoney Review - File Complaint against Employer for Salary

Employer not paying salary for the work done is the most common complaint these days. There are many such incidents happening in India. Usually, this happens when the employee is planning to leave the job or at the time when the contract is going to end. Many employers do not pay the salary if they fire employees. Many employees in India have faced such problems and felt helpless without knowing what action can be taken. In this article, Indianmoney Dot com Review will tell how to file a complaint against employer for not paying salaries.

IndianMoney dot com Review: File Complaint against Employer for Salary

1. Contact the HR department

If the salary is not paid by your employer, you must first contact the HR department of your company to know why you have not received salaries. If there is no mistake on your part and the employer is simply refusing to pay the salary, you can take further steps.

2. Send legal notice to your employer

To resolve issues between you and employer, you must send a legal notice. A legal notice is a written document sent to a person or company, informing him/her of the grievances faced and why you are planning to take legal action. The notice sent must contain all the steps you are planning to take against the employer. After receiving the legal notice, there are chances of your employer resolving the issue by paying the salary.  You can send a legal notice by taking the help of a good lawyer.

3. Approach the labour commissioner

If your employment contract does not have an Arbitration clause or your issue is not resolved through arbitration, you can approach the labour commission of your district. The labour commission will help resolve the issue between you and employer.

4. File your complaint in a labour court:

If your complaint is not resolved by the labour commission, you can take the next step and file complaint with the labour court in accordance with the provisions of Section 33(C) of the Industrial Dispute Act, 1947. As per the rule, you must file the complaint within a year from the date on which the salary was due. If the complaint is genuine and there is no mistake on your part, the employer will be directed to pay the salary.

Read More: IndianMoney Review: File Complaint Against Employer For Salary

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Lead Market Helps You to Improve Business with Zero Complaints

Lead generation is the start of consumer interest in products or services of a business. In lead generation, the customer makes enquiries into products and services of the business. A sales lead is the identification of data from a prospective buyer. Any business needs leads to survive and grow.

IndianMoney.com registered under Suvision Holdings Private Limited generates leads for Lead Market. Lead market is India’s largest market place of prequalified leads on insurance, loans, mutual funds, real estate, loans, and stocks.

Here is why Lead Market is different from other sellers and intermediaries. Lead Market offers unbiased and personalized advice to consumers for one important purpose. To make sure they are not cheated and misguided by agents, sellers and intermediaries. What’s great is this service is absolutely free. Lead Market Bangalore is good for intermediaries too.

Are you a seller of financial services? Just go to Lead Market which is India’s largest and the most trusted market place for sellers of financial products. You can download the Lead Market App at Play Store or App Store. Lead Market Reviews are excellent because of the quality of service. Lead Market helps improve business with zero complaints. In spite of our excellent services if you do have Lead Market complaints, get in touch with Lead Market Customer Care. We will resolve them at the earliest.

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Lead Market – Helps You to Improve Business with Zero Complaints

How Lead Market helps grow business?

It’s simple. Lead Market is India’s largest market place of prequalified leads on financial products.

You can buy and manage financial products and real estate property leads on Lead Market.

Lead Market gives sellers advanced and simple to use Lead Purchasing Technology.

Lead Market is a product of IndianMoney.com which is India’s largest Free Financial Education Company providing free and Unbiased Financial Education to over 37 Lakh consumers.

Take a look at our privileged associates giving reviews on Lead Market App. Our associates just love Lead Market and you can watch a video on how an associate grew business with Lead Market.

Why Lead Market: Lead Market Bangalore never generates leads through cold calling. Only people who post a request on our website or call our helpline number/respond to our promotional campaign are given a financial education.

All customers are financially educated with knowledge on financial products, making selling easy.

Only manually validated leads by the financial advising team are forwarded. This means you get leads of only genuine and interested customers. Take a look at the video of why associates love Lead Market.

You get leads through SMS, Email along with Lead Market App.

With the CRM you can access best quality leads provided, anywhere and anytime. Lead Market takes complaints very seriously and looks to resolve them at the earliest.

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Post your complaints on Indianmoney if you are cheated in car loan

Banks finance the purchase of a new car or a used car through a car loan. Car loans are available at reasonable interest rates and a tenure which enables easy repayments. Car loans help you buy the dream car at a young age.

Want to know more on Car Loans? 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 Complaints 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.

Post Your Complaints on IndianMoney If You Are Cheated in Car Loan

Car loan Fraud:

Car loan Cheated  are committed by both dealers and financing agents. These are some of the cheated  you should be aware of:

• Guaranteed approval: There is no such thing as a guaranteed loan. Any lender will first run a credit check before approving the loan. So, if you have a bad credit score, your car loan will not be sanctioned.
• Upfront payment: Some dealers may ask for upfront fees. The lender lures the customer to pay a fee before the application is processed or before the funds are disbursed. This type of scam typically takes place online.

SEE ALSO:Post your complaints on Indianmoney.com if you are cheated by personal loan

Financing scam:

Another type of fraud related to vehicle financing is when the dealer incorrectly discloses the financial terms of the loan. This dishonest practice is designed to dupe the buyer into thinking that the loan is more favorable than it really is.

SEE ALSO: IndianMoney Explains How You Can File Complaint against a Credit Card Company

Are you cheated by Loan Providers? Cottage a complaint on Iamcheated.com which is a free online consumer complaints portal, which registers consumer complaints online and helps resolve them. If you have been cheated by banks or do not receive any response, do get in touch. You can post your complaint on Indianmoney.com complaints portal IamCheated.com.

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Before Purchasing Car Insurance Read This Review by Indianmoney.com

Car insurance protects you from a financial loss arising out of damage or theft of the car. As per Indian Money review, car insurance also covers for damage caused by a third party and is compulsory in India. Car insurance protects you and the car from financial liabilities, complaints, and legal liabilities which include damage to the vehicle in a collision, hospitalization for injuries, and injury/damage to a third party.

Types of Car Insurance

Third party liability covers you for damage and injury caused to a third party (unrelated party).  This is both vehicle and property damage. According to IndianMoney.com reviews, third party liability is compulsory in India.

You can also opt for collision coverage where protection is given to your car. Coverage is for damage caused in a collision usually in an accident. However, as per Indian Money Bangalore, theft is not covered in collision coverage. Comprehensive car insurance includes own damage cover where you are compensated for damage to the car and bodily injury caused in an accident.

It is a comprehensive plan which covers damage to car, theft of the vehicle, a personal accident cover to protect you/driver and third party legal liability.Want to know more on Car Insurance? We at IndianMoney review will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. Please note that IndianMoney.com is not a seller of any financial products.

Before Purchasing Car Insurance Reviews Go Through This Review by Indianmoney.com

Compare Car Insurance Online

Indian Money Review Bangalore advises a comparison of car insurance plans online as you save money and also enjoy higher coverage without having any complaints.

You can save around 45-50% on car insurance plans and also get riders like engine protector, zero depreciation cover and others based on needs.

While buying car insurance online make sure to get comprehensive coverage for accidents, theft, fire, explosions, riots, lightning, and acts of terror, personal accident cover and natural calamities.

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Indian Money Mortgage Loan Interest rates, Eligibility - Reviews & Complaints

A mortgage loan is a type of loan where property/real estate is the collateral. It is pledged to borrow money. You/borrower have to enter into an agreement with the bank. As per Indian Money Review You get cash up front and then make payments over a period of time through EMIs. The bank/lender has possession of the original property documents till you repay the loan.

Want to know more on Loan against Property? We at IndianMoney Complaints 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.

Indian Money Mortgage Loan Interest rates, Eligibility & Calculator - Reviews & Complaints

Types of mortgage:

• Simple mortgage:

In a simple mortgage, the mortgagee (This could be a bank/lender), does not enjoy possession of the property. The mortgagor (one who pledges the property), makes a legally binding agreement to repay the mortgage. The mortgagor gives the mortgagee the right to sell the property, to recover the dues.

• English mortgage:

In this agreement, the mortgagor agrees to repay the mortgage money within a certain date, and then transfer the property to the mortgagee (bank/lender). The mortgagee agrees to retransfer the property back to the mortgagor once the dues (mortgage money), is repaid as per terms and conditions.

• Usufructuary mortgage:

The mortgagor (borrower) gives possession of the property to the bank (mortgagee), until mortgage money is repaid. The mortgagee also receives rent/other benefits from the land. The mortgagee/bank agrees to appropriate the property in lieu of interest/payment of mortgage money.

• Mortgage by deposit of title deeds:

The mortgagee (bank) provides documents of title of immovable property to the mortgagor with intent to create a security of the same.

• Mortgage by conditional sale:

The mortgagor sells the property to the mortgagee with a condition that the sale will be absolute/permanent on a default. If the mortgage dues are paid, the sale is null and void and the mortgagee will transfer the property back to mortgagor.   

Functioning of a mortgage loan:

The money you borrow on the mortgage is the principal. You have to pay back the principal amount on the mortgage each month. In addition you have to pay back interest on the loan.

Repayments depend on type of interest rate which may be fixed or floating rate. Fixed rates mean payments remain constant across loan tenure. Floating rates change with market rates.

Read more: Mortgage Loan Interest rates, Eligibility & Calculator

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Complaints on Indian Money Reviews - Frequently Asked Questions on Retirement

How much should you save for retirement?

You can never be sure of how much you should save for retirement. It is different for everybody. Just start saving each month specifically for retirement. Time to time, make sure you increase the quantum of savings.

Keep in mind your retirement goals, responsibilities and post-retirement income like rental income, pension etc. while ascertaining how much you want to save for retirement.

2. Should you start saving for retirement while in college?

This can’t be bad at all. Starting early instills financial discipline in you.

3. Should you save for retirement or children’s college education first?

Saving for retirement is as important as saving for children’s education. You surely want to give your children the best education you can afford. You definitely don’t want to be a burden on your children. Therefore, both should be given equal importance.

4. How to save for retirement and children's education at the same time?

It's not at all easy to save for retirement and children's education at the same time. Education expenses are ever increasing. Is your income also increasing accordingly? You may think so, but don’t forget that inflation eats up most of the hike in your salary.

Postponing retirement means losing out on years of compounding power and tax-deferred growth. Postponing saving for children’s education may mean the need to avail educational loan and years of repayments along with other loan repayments.

5.  Should you invest in a pension plan if you are contributing to EPF?

Yes. IT is very important to invest in a separate pension plan. EPF should be kept intact till your working life unless you quit and start a business. In this case, you’ll have to be wary of the tax implications of EPF. Also, with inflation increasing at alarming rates, it is wise to save as much as you can. Invest in Mutual Funds, Equity Funds, PPF, etc. Remember, your retirement portfolio should be diversified.

It should have fixed income earning securities, debt and equity components. Consider PPF and FD to earn for fixed income. Consider debt funds to earn better returns than FDs at moderate risk. Consider ELSS to create wealth over a long-term.

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Indian Money Company, Indian Money - Top 10 Tips for Personal Loan

Personal loan is a type of unsecured loan, which can be availed to help meet financial needs. Generally no collateral or security is needed to avail a personal loan. Personal loans are availed to meet financial expenses during an emergency or to pursue personal goals.

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Personal Loan Eligibility Criteria:

To avail a personal loan, the borrower must meet the following eligibility criteria:

1. The borrower must have a stable source of income.
2. He must earn Rs 20,000 a month or above. (Take home salary).
3. The applicant must have a good credit history. (Credit score of 700 or above).

Top 10 tips for taking personal loan:

Personal loans are the most popular type of loan that can be availed. Banks sanction these loans to borrowers with no collateral. The borrowers do not need to state the reasons for availing personal loans, which is why these loans have become so popular these days. Before availing personal loans, there are a few things that you must consider. Below listed are a few tips that you must keep in mind, before applying for a personal loan:

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Indian Money Review - National Health Insurance Benefits And Plans Online

Indian Money Review - National Health Insurance Benefits And Plans Online

National Insurance Company Limited was incorporated in the year 1906 and is India’s oldest Insurance Company. In the year 1972, it was nationalized along with 21 foreign and 11 Indian insurance companies which were amalgamated with it. It is a Government of India owned company and has its headquarters in Kolkata. It provides General Insurance and specializes in products like Motor Insurance, Health Insurance, Personal Insurance, Rural Insurance, Industrial Risk Insurance, and Commercial Risk Insurance. In this article we will look at the different types of National Health Insurance.

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National Health Insurance - Benefits and Plans Online

National Insurance Mediclaim Policy

This policy covers hospitalization expenses which were incurred for treatment of diseases or illnesses contracted during the policy period. It covers more than 140 different types of day care procedures and surgeries.

Features:

• The policy is available for anyone between the age of 18 and 65 years.
• Dependent children aged 3 months and above can also be covered, provided at least one parent is also covered at the same time.
• Dependent Parents can also be covered along with family.
• Sum Assured ranges from Rs 50,000 to Rs 5 lakh, increasing in multiples of Rs 25,000.
• The policy can be renewed lifelong.
• Pre-existing diseases will only be covered after 4 year waiting period.

Benefits:

1. Provides reimbursement for hospitalization expenses under the following heads:

• Room, nursing, and boarding expense – 1% of sum assured per day and 2% of sum assured per day, subject to an overall limit of 25% of sum assured.
• Fees of doctor, surgeon, anaesthetist, specialist, and consultant, subject to an overall limit of 25% of sum assured.
• Expenses for oxygen, blood, anaesthesia, medicines, X-Ray, pacemaker, surgical equipment, operation theatre, chemotherapy, and other similar expenses, subject to an overall limit of 50% of sum assured.
• Ambulance charges up to 1% of sum assured, subject to maximum of Rs 2,000 in a policy period.

1. Ayurveda and Homeopathy treatment are covered up to 20% of sum assured for any one illness.
2. Cover for more than 140 day care treatments which require hospitalization for less than 24 hours.
3. A cumulative bonus of 5% of sum assured is added for every claim free year, provided the policy is renewed without break. At the end of every 4 claim free years, health check-up expenses will be reimbursed, up to 1% of average sum assured.
4. Cashless facility is available at more than 6,000 hospitals across India.
5. If the policy is taken for family, comprising the insured and/or spouse, dependent children and parents, a discount of 10% will be allowed on total premium.
6. Premium is exempt from Income Tax, under Section 80D of the Income Tax Act.

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Indian Money Review Bangalore - Financial Planning For Children Education

Who doesn’t love their kids? It’s a stupid question right? Most people will do anything for their children. Why not a simple child education plans? You would have invested money for their education and marriage.

What is a child education plan? A child education plan combines the benefits of investment and insurance to ensure a bright and secure future for kids.  You get the life cover as a lump sum at the end of the policy term. These plans offer flexible payouts at different important milestones of children’s education. You definitely don’t like to speak about death, but you can’t ignore it. In case of death or a serious medical illness, your child’s education is taken care of.

Want to know more on Children Education Planning? We at Indian Money Reviews will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney Bangalore 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.

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Financial Planning For Children Education

What is financial planning for children’s education? If you don’t plan for children’s education, you could fall short of money. College fees and fees for vocational and professional courses are quite high these days. MBA and engineering studies are really expensive. The cost of foreign education is sky high. You definitely need financial planning for children’s education.

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Indian Money Review - 5 Things You Should Know Before Investing In an ELSS

Equity linked savings schemes popularly called ELSS, is an investment-cum-tax saving scheme in India. In ELSS, most of your money is invested in stocks.  It is a good way to get exposure to equity markets.

In an ELSS, the fund manager chooses the best Companies to invest, especially those which enjoy good growth. ELSS not only offers high returns, it also gives tax benefits under Section 80C. Indian Money Bangalore You get a tax deduction up to Rs 1.5 Lakhs a year.

Let’s take a look at the 5 things you should know before investing in ELSS. Want to know more on ELSS? We at Indian Money review 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.

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5 Things You Should Know Before Investing In An ELSS

ELSS is an equity diversified mutual fund which invests most of your money in stocks across sectors. ELSS grows wealth and you enjoy tax benefits. ELSS is one of the faster ways to grow rich.

Always invest in an ELSS scheme which has a five star rating. Select an ELSS with low expense ratio to maximize returns. Expense ratio is the sum total of all charges in a mutual fund. A good ELSS could give 11-14% returns over a 3-year period. It’s even more over a 5 year period.

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Indian Money Reviews, Indian Money - Tips To Buy Pension Plans

Right from the day you were born, you had the need to feel secure. You were wrapped tight in the safe arms of your loved ones. They provided for your needs. You grew up to be a young adult, ready to take on the world. You started a family. You became a parent. You made sure that your children got the best education. You built a house. You bought a car. You took the best care of your parents. You made sure your family was secure.

As Per Indian Money Bangalore, Many times you go out of the way to make sure all family needs are met. You’re so involved in meeting immediate needs that you fail to see the big picture. Yes, retirement is the big picture. Needs, wants and demands are unending. So, how long will you postpone retirement planning?

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Tips to buy pension plans

Investments should beat inflation: Ensure that your investment beats inflation because it eats into the value of your savings. If prices rise expenses rise. You’ll have to spend more to buy the same quantity of goods. Make sure your retirement plan earns real returns (adjusted for inflation).

Complementary: According to IndianMoney.com CEO Retirement plan should complement existing retirement savings. If your savings are dominated by conservative instruments like FD, debt instruments and others. The retirement plan should have more exposure to higher risk instruments like equities.

Only Provident Fund is not enough: Contributing to provident fund (EPF and PPF) alone is not enough to guarantee a great retirement life. Only Provident Fund can’t beat inflation. As we discussed, a retirement portfolio should have investments spread over various assets.

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