Need to classify clinics as industries.
A list of financially prudent things (in the order of priority) that you can do with your annual bonus.
Infosys Technologies, India's second largest information technology services firm, has discontinued some of its loan schemes for employees.
Rajiv Raj tells you about some easy financing options to deck up your home
Next time you swipe, ask yourself, do you really need it or do you just want it?
"Members can choose to pay upfront or in instalments. The membership fee ranges from Rs 1.9 lakh to Rs 14.72 lakh. If a member chooses to pay in instalments he/she is required to pay 10-15 per cent upfront, and the rest can be paid via equated monthly instalments (EMIs) of 6-48 months."
Almost every day banks use tele-marketing executives to sell pre-approved loans to prospective borrowers. But do such loans actually make sense? And how minimal are the formalities?
Find out how you can put your gold -- stored in safes at homes and bank lockers -- to good use in case you urgently need money at comparatively low rates of interest.
'Common sense says if one can afford, servicing the loans during this period is a better bet than postponing it by three months,' says Tamal Bandyopadhyay.
Hit by high interest rates, growth in commercial credit offtake from banks by major sectors slowed to 18.9 per cent in July, 2011, from 20 per cent in the same month last year.
The second half of the financial year will be an important milestone for ICICI Bank.
Certain banks, such as Punjab National Bank, allow loans from the very next day of making the deposit. Some like HDFC may even offer one after six months. You need to check with your bank on the same.
Ramkumar is under extremely heavy debt. Can he survive it?
Collateralisation of other loans and prior approval for additional leverage are things to watch out for
Amid slowdown blues, the government has unveiled a raft of measures over the past few months aimed at improving liquidity in the system, moderating interest rates as well as credit growth apart from addressing stress in the NBFC sector.
Loan against property can be taken to tide over financial need.
Read the numbers carefully because no one can offer a credit card at zero cost or give a loan at a simple interest of 9%.
Servicing two EMIs will substantially reduce tax benefits on second flat.
Has your personal loan, or home loan, or car loan been rejected off late despite having cleared all your previous bank dues? Perhaps it's your faulty credit report at work. It's about time you know how to get it corrected.
Here are a few quick ways that can help you become debt free faster.
While other foreign banks are still shrinking their loan portfolio, Standard Chartered Bank says it is seeing a double-digit growth
Loan on credit card is similar to personal loans, but this is pre-approved, and it comes without the need for any documentation.
SBI offers reward points for various types of banking transactions.
Loan against property can be taken against a self-occupied residence or a commercial building. The main requirement on the bank's part is that there should not be any other encumbrance.
NBFCs seek level playing field with banks in terms of treatment of NPAs, TDS on deposits, removal of service tax on HP and lease transactions, refinance mechanism akin to NHB etc
A loan against shares could be a viable option if you want to raise some money quickly. A closer look.
'A score of 750 and above is considered to be good, though these cut-offs can vary depending on the type of loan being sanctioned,' points out Arun Ramamurthy.
There are options like loan against property, stocks and life insurance policies.
Employees of the beleaguered Satyam Computer Services are now finding it difficult to get personal loans or pay back equated monthly instalments. Even their credit card limits have been reduced by almost 80 per cent since banks have become stringent following reports of the severe cash crunch at Satyam on the back of the admission of a financial fraud by the former company chairman Ramalinga Raju.
In order to be eligible for a loan when you really need one, it is imperative to maintain a good credit score. By having a good mix of debt and servicing it regularly, you can maintain a good credit score and be loan ready at all times.
With higher interest rates, bankers today said their loan portfolios will grow at a slower pace, partly because of the caution being exercised by lenders themselves.
People like Doctors, Chartered Accountants, Interior Decorators, Architects, Company Secretary etc. fall in the category of self-employed professionals. Given here are the different categories of documents that a self-employed professional has to fulfil.
Finance Minister P Chidambaram on Tuesday said private sector banks will be forced to cut lending rates sooner than later due to competition from public sector counterparts.
Chartered accountant and Sebi registered investment advisor, Harsh Vardhan Roongta, answers your home loan queries
What young, married couples should do to avoid problems when it comes to money.
In another embarrassment for Democratic presidential nominee Barack Obama's White House campaign, the person heading the team looking for his running mate has abruptly resigned following outcry over his personal loan dealings. James A Johnson, a Washington insider for about three decades, stepped down Wednesday as questions were raised over the terms on which he borrowed loans from a company involved in the US housing crisis.
NSC scores high on all three parameters that conservative investors are seeking -- safety, tax-adjusted returns and liquidity.
Linking all new floating rate loans to an external benchmark won't impact existing borrowers, so customers who have taken long-term home loans recently should watch things carefully, say Joydeep Ghosh and Sanjay Kumar Singh.
For housing loans up to Rs 30 lakh, the floating interest rates for various tenures range from 8.75 per cent to 10.25 per cent. For Rs 30 lakh to Rs 50 lakh, the floating interest rates range from 9.50 per cent to 10.75 per cent and for Rs 50 lakh and above, the floating rates range from 10 per cent to 11 per cent. The revised fixed interest rates are 11 per cent and 11.50 per cent depending upon the loan amount.
Services and personal loans pulled down the non-food bank credit growth to 19.5 per cent at the end of February 27, 2009 as against 22 per cent a year ago.
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