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The banking sector is one of the most stable foundations of the Indian economy. It’s an interesting time now, with major developments impacting earnings, portfolio engagement, and opening up of new opportunities. Today’s customers want more personalization, relevance, and value engagement than ever before. Digital native fintechs are ready to seduce you with their innovative …
Shortly after the Prime Minister announced that the three controversial agricultural laws would be repealed in the winter session of Parliament, Samyukt Kisan Morcha, a coalition of 40 agricultural unions, called for the minimum subsidy price for all agricultural products to become a legal right for all farmers. This would ensure that each farmer is …
If inflation is forecast to be around 5.3% for the rest of the year, investors cannot ignore real rates: the nominal rate minus inflation. In the case of a one-year time deposit with a deposit of around 5%, the real interest rate is negative. After-tax performance looks worse. While long-term bond rates may be a …
In the past 18 months, the COVID-19 pandemic has ruined the finances of many. A difficult situation in which the relatives of deceased relatives found themselves was when they discovered mortgage loans that the deceased was paying. If a borrower dies without having fully paid the loan, the obligation falls on the co-borrower or legal …
Choose a shorter repayment term. As mentioned earlier, a shorter loan term guarantees a faster full loan repayment; which leads to lower interest charges. You must understand that a higher interest payment does not necessarily mean a higher effective interest rate. What increases as the loan term increases is only the absolute interest payment, which …
When shopping online or over the phone, you are often asked for your credit card CVV number, sometimes called a card security code. CVV is short for Card Verification Value and is an important security feature. What is a CVV credit card? CVV is a three or four-digit code that is printed on your credit …
A credit score is a statistical number that evaluates the creditworthiness of an investor or consumer. It is based on the person’s credit history. Today, lenders focus on creditworthiness to measure the likelihood that a person will pay off his debts. A person’s credit score can range from 300 to 900, and the higher the …
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Most banks and NBFCs offer unsecured business loans where the borrower is not supposed to provide any collateral or guarantee. However, it becomes difficult for some borrowers because few financial institutions require collateral in the form of goods, commodities, stocks, machinery, or equipment for certain loans related to business operations. Borrowers prefer an unsecured business …
