Some useful tips before applying for a Loan in India If you are in a need of urgent cash and you are short of cash with you, then you can opt for a Loan whether it can be Home Loan, Personal Loan, Auto Loan, Educational Loan or any other Loan. Before going for applying a loan , you must kept below mentioned points in your mind. - Compare Interest Rates - Avoid loan stacking applications - Prefer secured loans - Make sure you have final approval for the loan in writing - Private sector bank can offer you a better deal if you are a savvy negotiator - Try to avoid long term length loans for lesser interest rates - Go through the charges involved in Annual percentage rate - Ask about the best possible deal with your... Read More

8 reasons to get a Citibank PremierMiles Card 1.) Get started with an introductory bonus on 5000 miles on the first usage. 2.) Earn Miles like never before. 10 PremierMiles for every Rs. 100 spent on airline ticket bookings* made at airline-owned websites, airline booking counters 3.) Redeem Miles instantly across 50 Global & Indian Airlines 3.) Your Miles never expire. So never worry about expiration. 4.) Access to over 700 VIP Lounges at airports across the world. 5.) Complimentary Overseas Medical Insurance and Fraud Protection Plan 6.) Experience the finest in dining at over 800 restaurants and special offers at PVR Cinemas. 7.) Earn 2.5 miles on all non-airline spends. 8.) Its a world Mastercard. Enjoy exclusive benefits offered by mastercard to its world card customers. To get this card in India sms MILES to... Read More

The Rbi keeps itself out of credit card regulation saying it is unsecured lending. Bank put untamed charges, looting the unaware people. And when default arises it get reported to persons CIBIL record. My question is if Credit Card can not be regulated by Rbi then why put report it to Cibil records which influence other products regulated by RBI ? A leading Foreign MNC bank reported $200million profit from unsecured lending i.e. personal loan and credit cards both of which come out regulation Rbi. If you search for complaints of that bank then you’ll know people are getting harassed as they are unable to get home, car loan etc. One such person was unable to get home loan and when he ordered cibil report it shows credit card dues written off. On calling the bank it comes out as dues on credit card back in 90s of a few hundred rupees. The person agreed to paid it but Bank said after nightmare late fees and interest charges it comes to around few lakh rupees and they are not... Read More

To lure more depositors and customers Idbi Bank has announced Zero Balance saving account. Not only minimum balance requirement has been waived all other charges has been also waived. Idbi Bank charges its customer for only cheque bounce charges and nada for everything else. Quite interesting and I hope others bank respond to this... Read More

CORPORATION BANK’S CORPBANK INTERNATIONAL CREDIT CARD It is in alliance with VISA for Corporation Bank customers. It is accepted in over 28 million VISA merchant establishments worldwide, of which 1.1 million are India. The card can also be used at over 10 lakh VISA ATMs globally, of which there are more than 16000 VISA ATMs in India, including 925+ Corp Bank ATMs. The card has a variety of uses like online transactions, ass on cards, insurance, reward points, free credit period, balance transfer facility and countless other usage. DOCUMENTS RREQUIRED FOR CORPBANK INTERNATIONAL CREDIT CARD - You are required to carry 4 passport photocopies. - An identity proof. - A legitimate PAN card or Form 16 instead of it. - A different proof of residence address if your current address is different from the one mentiones in your passport. - Last 6 months of credit card statement of any other credit card, if any. - For Self Employed / Professionals, latest Income Tax Returns has to be... Read More

TERM DEPOSIT FIXED DEPOSIT INTEREST RATES VIJAYA BANK VIJAYA BANK TERM DEPOSITS INTEREST RATES ABOVE RS 1 CRORE 7 days to 14 days – 2.50 % p.a. 15 days to 29 days – 3.00 % p.a. 30 days to 45 days – 3.50 % p.a. 46 days to 90 days – 4.50 % p.a. 91 days to 179 days – 5.50 % p.a. 180 days to 269 days – 6.00 % p.a. 270 days to less than 1year – 6.50 % p.a. 1 year to 2 years – As below (a) Up to Rs. 10.00 crore(ie. below Rs.10 Crores) – 7.25 % p.a. (b) Rs. 10.00 cr. and above – 7.00 % p.a. Above 2 years to 3 years – 7.00 % p.a. Above 3 years – 7.00 % p.a. FOR INVESTMENT LESS THAN 1 CRORE 7 days to 14 days – 2.50 % p.a. 15 days to 29 days – 3.00 % p.a. 30 days to 45 days – 3.50 % p.a. 46 days to 90 days – 4.50 % p.a. 91 days to 179 days – 5.50 % p.a. 180 days to 269 days – 6.25 % p.a. 270 days to 299days – 6.50 % p.a. 301 days to less than 1 year – 6.50 % p.a. 1 year to 2 years – 7.25 % p.a. Above 2 years to 3 years – 7.50 % p.a. Above 3 years –... Read More