Preeti Kapoor

  Bajaj Finserv EMI Card   Bajaj Finserv EMI Card -It helps you to convert all your purchases into easy EMIs                                                             Bajaj Finserv EMI Card About Bajaj Finserv 1.      Bajaj Finserv Limited, is a part of Bajaj Holdings & Investments limited 2.     It is an Indian financial services company limited. 3.      It’s focus is on lending, asset management, wealth management & insurance.   About Bajaj Finserv No Cost EMI Network Card This facility helps you convert the cost of your purchase into interest-free EMIs with no additional fee.   It makes your transaction easy.   With smaller and easily payable EMIs.   Bajaj Finserv No Cost EMI Network Card 1.       The Bajaj Finserv EMI Network Card helps you convert your purchases into EMIs. 2.      You can use the EMI card on the EMI store to shop online 3.      You can get benefits like no cost EMIs, zero down payment & free home delivery.            

                           Step Up Credit Card Step Up Credit Card-Issued by SBM Bank (India) Ltd, in association with Paisabazaar                                           Step Up Credit Card About Step Up Credit Card 1. Issued by SBM Bank (India) Ltd, in association with Paisabazaar 2. A secured card against a fixed deposit opened at the time of card application. 3. Step up credit card can shield you from a bad credit score and improve your credit score. 4. Best for those who wish to own a credit card but unable to qualify for the same. Step Up Credit Card Features 1. Joining Fee- low joining fee of Rs. 500, excluding taxes 2. Annual Fee - From 2 nd year a fee of Rs. 250 is charged, excluding taxes 3. Interest on Fixed deposit – Higher interest rate of 6.5% on your fixed deposit. 4. Interest Free Period – Interest free grace period range from 20 to 50 days 5. Credit limit - The credit limit for your Step Up card will be 83% of your fixed deposit amount. Fixed deposit plan worth a. Rs

                                               ICICI Prudential Flexicap Fund ICICI Prudential Flexicap Fund is based on in house market cap model About Flexicap Fund 1.      A Flexicap Fund has the flexibility to move across large, mid, and small caps basic valuations. 2.      Flexicap acts as a good compounder over the long term. 3.      Low potential risks. About ICICI Prudential Flexicap Fund Scheme Highlights Top-Down Approach Mainly used to identify opportunities in the large-cap space and focus on factors such as:- 1.      Economic indicators 2.      Policy response 3.      Growth 4.      Inflation 5.      Global macros, 6.      Future earning potential 7.      Future project pipeline                               Bottom-Up Approach Mainly used to identify opportunities in the mid & small-cap space and focus on factors such as:- 1.      Growth outlook 2.      Opportunity size 3.      Management track record 4.      Historical return ra

  Your EMI for a Loan -This blog is about EMI for a home loan.                                                                  Your EMI for a Loan  What is Home Loan EMI? 1.       Home Loan EMI is the amount that is paid to the lender for the purpose of repayment of the borrowed loan to finance your home. 2.       At the time of availing a home loan, EMI is calculated by your lending institution based on the borrowed amount, sanctioned rate of interest and loan tenure. How is a Home Loan EMI calculated? 1.       Home loan EMI is calculated by banks on the basis of principal, interest to be paid and tenure. 2.       In the initial years of the loan, a major portion of the EMI comprises of interest payable since the principal amount is large. 3.       As the loan matures, the interest component decreases while the principal component gradually increases.   Your EMI for a Loan of Rs.1 lakh Tenure 5 Years 10 Years 15 Years

  SBI Kavach Personal Loan -  If you are struggling to get fund for COVID treatment, you can opt for SBI Kavach personal loan. SBI Kavach Personal Loan SBI Kavach Personal Loan with low-interest rate Purpose For Covid treatment of self or family member who is found Covid Positive on or after 01.04.2021     Who can avail the loan? This scheme is for salaried as well as non-salaried customers along with pensioners and their family members who have been found Covid-19 positive on or after April 1, 2021.   What is the minimum and maximum loan amount? 1.       The minimum   loan amount given for SBI Kavach is Rs 25,000 and the maximum amount is Rs 5 lakh, as per eligibility. 2.      Loan will be over and above the existing loans if any. What is the loan tenure? 1.      60 months (including moratorium of 3 months) 2.      Loan to be repaid in 57 EMIs, including interest charged during Moratorium. What is the interest rate offered? SBI is offering this loan to customers at 8.50% at pres

  Investing in Shares - In this blog, we will discuss the charges involved during trading & investment                                                   Investing in shares A person cannot go directly to the stock market to buy or sell shares. Buying and selling of stocks have to be done through brokers. There are various costs involved in such transactions. It is important to understand the same to arrive at the real cost of buying or selling. Brokerage This is the charge levied by the stockbroker for transactions carried out by the investor based on the value of the contract or the flat rate.   Securities transaction tax Securities Transaction Tax is a direct tax charged on the purchase and sale of securities that are listed on the recognized stock exchanges in India. STT rate is 0.1% of the transaction value for delivery-based equity share trades.   Stamp duty or GST Stamp duty is charged by the state government as the transaction involves the transfer of securities from one p