<p>At times of unexpected financial emergencies or expenses, you may apply for debt to get by. Personal loans are one of the best forms of credit during these situations. These loans are best if you need a specific amount on a one-time basis. A personal loan is an instalment or EMI based loan that is to be repaid over a set term or tenure along with interest.&nbsp;</p><p>A personal loan is extremely versatile and can come in different forms. Following are different types of personal loans that are available in India:</p><h2><strong>Unsecured Personal Loan</strong></h2><p>An unsecured personal loan is not backed by any asset or collateral, and therefore it can be easier to acquire this type of personal loan. You must have a good credit score (typically 750 or above) and a regular source of sufficient monthly income (usually Rs. 25,000 per month) to get these<strong> </strong>types of unsecured loans.</p><h2><strong>Secured Personal Loan</strong></h2><p>As the name suggests, a secured personal loan is borrowed against collateral, such as a home, car, savings account, insurance, gold or another asset. In case you default on the loan, the lender can seize the mortgaged asset to cover all or a portion of the balance. The interest rates on various types of secured loans are usually lower than unsecured loans. You can avail of personal loans secured or unsecured depending on the availability of collateral.</p><h2><strong>Personal Line of Credit</strong></h2><p>A personal line of credit is a revolving form of credit, similar to a credit card. Unlike an instalment loan that involves a lump sum to be repaid in EMIs, borrowers get access to a line of credit up to a specific amount that can be borrowed whenever needed. Interest is levied only on the outstanding balance. You need an excellent credit score and good credit history to <a href="https://www.mymoneymantra.com/line-of-credit"><strong>apply for a line of credit</strong></a>.</p><h2><strong>Personal Loan Against Credit Card</strong></h2><p>Your credit card can offer a cash advance, which is a short-term personal loan that you can borrow against your credit card’s available balance. Even though you are using your credit card, you will not necessarily have the same rate of interest on a <a href="https://www.mymoneymantra.com/mmm/loan-against-credit-card.html"><strong>credit card loan</strong></a> as a normal purchase. The interest may begin accruing as soon as you withdraw the money, and you will likely face a processing fee.</p><h2><strong>Pension Loan</strong></h2><p>Pension loans are personal loans exclusively for retired personnel. The usual eligibility criteria do not apply for this loan scheme. Under a pension loan, some banks may provide 7 to 10 times the amount of pension pensioners drew the month previous to submitting their loan application. These loans come with longer tenure and shorter loan amounts.</p><p>Personal Loans can be categorized based on different interest rates types, such as follows:</p><h2><strong>Fixed Interest Rate Personal Loan</strong></h2><p>Personal loans usually come with fixed rates of interest, which means the interest rate remains unchanged for the entire tenure of the loan, and so does your monthly payment or EMI. For these types of loans offered by banks,<strong> </strong>you will know exactly how much your EMI will be each month. A <a href="https://www.mymoneymantra.com/mmm/personal-loan-emi-calculator.html"><strong>Personal Loan EMI Calculator</strong></a> can help you estimate your EMI even before you apply for the loan.</p><h2><strong>Adjustable Interest Rate Personal Loan</strong></h2><p>Some lenders may also offer adjustable/ variable/ floating interest rate personal loans. Under this loan, the interest rate is subject to change over time rather than having the same rate of interest forever. The interest rate for this loan typically starts off quite low, and after a certain time frame, it may increase depending on market conditions, so the EMI can go up or down.</p><p>Lenders may offer personal loans based on the requirement of the borrower. Personal loan types based on requirements can be categorized in the following variants:</p><h2><strong>Personal Loan for Debt Consolidation&nbsp;</strong></h2><p>A Debt Consolidation Loan is a type of personal finance that is obtained for paying off multiple existing loans and credit card debts with a single Personal Loan through single monthly instalments. It can help you reduce overall monthly costs into one affordable payment.</p><h2><strong>Wedding Loan</strong></h2><p>If you have a wedding wishlist, like a dream destination wedding, a gorgeous diamond ring, tempting cuisine, dreamy decor and designer wedding outfits, you can <a href="https://www.mymoneymantra.com/marriage-loan"><strong>apply for a marriage loan</strong></a> or wedding loan. This loan covers all your wedding-related expenses, including catering, makeup, venue booking, photography, hiring choreographers and event managers, shopping for a perfect wedding dress and jewellery, and so on.</p><h2><strong>Travel Loan</strong></h2><p>A travel loan, also known as a vacation loan, can be obtained to soothe your wanderlust. This loan covers all the travel-related expenses, including flight tickets booking, accommodation, local fares (taxis, ferries, etc.), travel insurance, visa fees, activities (scuba diving, snorkelling, paragliding, skydiving, etc.), meals, tour guide, and so on. You can <strong>apply for a holiday loan</strong> to go on a dream vacation with your family, friends and loved ones without having to worry about money.</p><h2><strong>Home Renovation Loan</strong></h2><p>If you want to give your old home a new makeover, you can <a href="https://www.mymoneymantra.com/blog/top-5-home-renovation-loans-for-2019-in-india"><strong>apply for a home renovation loan</strong></a>. This loan covers the home renovation and repair expenses, such as remodelling of the kitchen, buying new furniture, interior designing of your house, paint, changing electrical wiring, getting new fixtures and fittings, and so on.</p><h2><strong>Medical Emergency Loan</strong></h2><p>As clear from the name, a medical emergency loan can be availed of for catering to your urgent medical needs, such as paying off medical bills, urgent treatment or surgery, checkups, and so on. These loans come handy when you don’t have medical insurance or the limit of the insurance is not enough to cater to the expenses.</p><h2><strong>Higher Education Loan</strong></h2><p>A higher education loan can be obtained by a borrower to pay for the higher education of their family members or themselves. This loan helps you pay off the admission fee, tuition fee, books purchase and other expenses related to education.</p><h2><strong>Personal Loan for COVID</strong></h2><p>The impact of the COVID-19 virus and the pandemic has changed the lives of all directly or indirectly. It has impacted several people as many lost their jobs or went financially broken by paying off for the treatment of their own and/or their loved ones. To cater to this ongoing need of the Indian citizens, many lenders have launched a <a href="https://www.mymoneymantra.com/blog/sbi-kavach-personal-loan-scheme-for-covid-19-expenses"><strong>special personal loan for COVID</strong></a>. This personal loan is usually offered at concessional rates and with zero or nominal processing fee to reduce your burden during the stressful times of the pandemic. This loan helps you manage COVID-19 related medical expenses and tackle the challenges that lie ahead.</p><p>Some lenders may also offer different types of personal loans based on different categories of borrowers, such as follows:</p><h2><strong>Personal Loan for Salaried Employees</strong></h2><p><a href="https://www.mymoneymantra.com/blog/4-personal-loans-types-for-salaried-professionals"><strong>Personal loans for salaried employees</strong></a> are designed especially for the financial needs of salaried individuals to meet the cost of any vacation, medical emergency, education, wedding, home renovation, and so on. For this loan, the lender requires you to have a specific minimum net monthly income depending on the city of residence and employment status.</p><h2><strong>Personal Loan for Self-employed</strong></h2><p>These are <a href="https://www.mymoneymantra.com/personal-loan-for-self-employed"><strong>personal loans for self-employed professionals</strong></a> (such as doctors, chartered accountants, architects, engineers, etc.) and non-professionals. These loans can be obtained for the personal as well as professional needs of self-employed applicants. The interest rates on these loans are slightly higher than that of personal loans for salaried employees due to the unavailability of regular income sources.</p><h2><strong>Personal Loan for Teachers</strong></h2><p>Most teachers at private or government schools/ colleges have fixed monthly salaries. There can be situations when they need urgent financial aid. So to help them overcome any added overheads, a Personal Loan for teachers is offered by various lenders. If you are a teacher who needs extra funds for personal needs, a personal loan for teachers is the best choice.&nbsp;</p><h2><strong>Personal Loan for NRIs</strong></h2><p>Some lenders may also offer special <a href="https://www.mymoneymantra.com/blog/5-best-personal-loan-offers-for-nris-in-india"><strong>personal loans for NRIs</strong></a>. These loans help in funding the personal financial needs of Non-Indian Residents (NRIs). The eligibility criteria and charges for this loan can be different from other personal loan variants.</p><h2><strong>Personal Loan for Women</strong></h2><p>To help women meet their financial needs, many banks offer special <a href="https://www.mymoneymantra.com/blog/5-available-personal-loans-for-working-women-in-india"><strong>personal loans for women</strong></a>. These loans can be used for funding your higher education, travel plans, wedding, or any emergency expenses. These loans are usually available at competitive rates of interest, and some lenders may also offer a special concession on interest rates.</p><h2><strong>Personal Loan for Government Employees</strong></h2><p><a href="https://www.mymoneymantra.com/personal-loan-for-government-employees"><strong>Personal loan for government employees</strong></a> is tailored specifically for salaried government employees to help them cater to their personal needs. These loans are available to employees of public sector undertakings or PSUs, including central, state and local government bodies. It can be obtained for a medical emergency, a sudden travel plan, a wedding venue booking, home renovation, and so on. This loan is offered at discounted rates and longer tenure.</p><h2><strong>Personal Loan for Students</strong></h2><p>A student loan can be availed of by students for various education-related needs, such as getting admission to the best of universities or pursuing a professional course to hone their skills. Unlike an education loan, which is made only for education expenses, a <a href="https://www.mymoneymantra.com/blog/how-to-get-a-personal-loan-for-students-in-india"><strong>personal loan for students</strong></a> can be used for a wide range of purposes, including education as well as personal. It can be used to fund your own education or that of a child/ family member. You are not even required to pledge your assets to get this loan. Before apply for the loan make sure to check which student loans are the best.</p><p>Types of loans in bank come in various forms to cater to the financial needs of every customer segment. You can apply for a personal loan online and get a loan amount up to Rs. 50 Lakhs for tenure up to 6 years, at attractive interest rates and processing charges. This loan requires minimum documentation and comes with easy eligibility criteria, making it the best financial alternative in times of need.</p><p>To know which personal loan you should apply for, you must know what are the different types of loans offered by banks.</p><figure class="image"><a href="https://www.mymoneymantra.com/personal-loans/"><img src="https://d1lt2ralzv8247.cloudfront.net/images/origin/Instant_Loan_Online_2_560b73ef3a.jpg" alt="Instant Personal Loan Online"></a></figure>

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Different Types of Personal Loans

<p>Omni Channel Content Specialist| enthusiastic personal finance writer | Top50 CM professional by WMC, CMO</p>

Reshma Rawat

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<p>Finance Writer: Expert in Loans &amp; Credit Cards</p>

<h2><strong>How to Block HDFC Credit Card? All you need to know</strong></h2><p>When does the need arise for blocking the HDFC credit card? With increasing phishing incidents that result in fraudulent transactions, the need to block the card has become very necessary. With the rising popularity of online transactions, the opportunities for fraud are on the increase, especially if the payment gateway does not insist on second-level authentication of the transaction through OTP. So if you get a message for a transaction that you have not initiated, you should immediately block the card. How to block credit card HDFC? Read further to understand the various ways that can be implemented to block the card effectively.</p><h2><strong>How to block HDFC Credit Card?</strong></h2><p>With the increasing number of credit card frauds, knowing the various ways of blocking the HDFC credit card is essential. Under what circumstances should the HDFC Credit Card blocking be initiated?</p><p>The&nbsp; credit card should be blocked if:</p><ul><li>It is stolen or lost</li><li>You are unable to remove the Credit&nbsp; Card from the ATM slot.</li><li>The cash withdrawal transaction has been completed, but the money has not been dispensed.</li><li>You receive the message for a transaction that you have not initiated.</li></ul><p>The bank has provided various avenues to block the card immediately to avoid further monetary damage. The card can be blocked through.</p><ul><li>Internet banking</li><li>By calling the customer care</li><li>Through phone banking</li><li>By visiting the bank branch</li></ul><h2><strong>How to block HDFC Credit Card via Netbanking?</strong></h2><h3><strong>Through net banking</strong></h3><p>The most convenient way to block HDFC Credit Card is through net banking. To block the credit card, you should follow the&nbsp; steps shown below:</p><ul><li>Visit the official website of the bank.</li><li>Log in to the net banking account using the login credentials.</li><li>Go to the ‘Credit&nbsp; Cards’ option.</li><li>On the left-hand side, you will find the ‘credit card hotlisting’ option. Click on the option.</li><li>A list of credit cards will be displayed.</li><li>Click on the card to be hotlisted.</li><li>Enter the reason for hotlisting.</li><li>If you wish for a re-issue of the card, select the appropriate option.</li></ul><h2><strong>How to block HDFC Credit Card via PhoneBanking?</strong></h2><p>To block the HDFC Credit Card through phone banking, you should keep the card number, Customer ID or PIN, and the TIN (telephone identification number)<strong> </strong>to access your account. When every required detail is ready, you can call on the following numbers for phone banking services.</p><ul><li>Customers from Ahmedabad, Delhi and NCR, Hyderabad, Bangalore,&nbsp; Kolkata, Pune and Mumbai can call 61606161.&nbsp;</li><li>Customers from Chandigarh, Indore, Lucknow, Jaipur and Cochin can call 6160616.</li><li>Prefix the STD code of the respective city while dialling the number.</li></ul><p>After placing the call, you follow the steps given below:</p><ul><li>Validate your TIN number. This is a four-digit number given by HDFC while registering for the phone banking services.</li><li>Follow the IVRS instructions for blocking the card.</li></ul><h2><strong>How to block HDFC Credit Card by visiting the bank branch?</strong></h2><p>For customers who are not conversant with net banking and have not registered for phone banking, the best way to block the credit card is to visit the nearest HDFC branch and follow the procedure given below.</p><ul><li>Download the relevant application form online or obtain the form at the branch.</li><li>Complete the application form by filling in the required details.</li><li>Submit the duly completed form at the branch for doing the needful.</li></ul><h2><strong>How to block HDFC Credit Card in case of fraudulent activity?</strong></h2><p>It is imperative to report the fraudulent transaction immediately on detection to avoid further fraudulent activity. Reporting and temporarily blocking the card is the best way to avert further fraud using the credit card. Sometimes, you will notice the unauthorised transactions only on receiving the monthly bill. In such cases, you will have to make payment of the unauthorised transaction as well if you do not have a zero liability policy. A zero liability policy will save you from monetary loss as you will not be liable for unauthorised transactions.</p><p>You can block the HDFC Card in case of fraudulent activity through net banking or through phone banking. You can also call customer care as the services are available 24 X 7 and even on Sundays and Bank Holidays.</p><h2><strong>Things to Keep in Mind While Blocking HDFC Credit Card</strong></h2><p>Blocking the HDFC credit card will become inevitable once suspicious transactions are noticed. But you will have to keep in mind a few things before blocking the card. They are:</p><ul><li>EMIs on the card have to be taken care of.&nbsp; Alternate arrangements for the EMIs have to be made. If you opt for a re-issue of the card, the EMI will be linked to the re-issued card.&nbsp; In all probabilities, you might have to close the EMI if the card is going to be blocked permanently and not be re-issued.</li><li>If any ECS is linked to the card, you will have to contact the beneficiary and get the ECS delinked. Alternatively,&nbsp; you can shift the ECS payment to any other mode.</li><li>Clear all the outstanding liability on the credit card. In case of a re-issue of the card, the liability will be transferred to the new card.</li><li>Permanent blocking of the card amounts to the closure of the card. In such cases, scrutinise the billed as well as the unbilled transactions for any suspicious transaction.</li></ul><p>Locating the suspicious transaction after permanently blocking the card and paying off the entire card liability will negate the chances of a refund of the suspicious transaction amount.</p><h2><strong>How to reactivate a blocked HDFC Credit Card?</strong></h2><p>The preferred way to reactivate a blocked HDFC Credit Card is to call customer care and place a request for reactivation. If your credit card is stolen or lost and you have blocked it with a request for re-issuance, do not try to unblock it. Opt for unblocking the card only if the bank blocks the card for pending bills or for the usage of the card beyond the sanctioned limit.</p><h3><strong>Frequently Asked&nbsp; Questions</strong></h3><h4><strong>✅&nbsp;How to block credit card HDFC through customer care?</strong></h4><p>Just a call to the HDFC customer care and your credit card can be blocked. While raising a request for blocking the credit card, you should have the following details ready.</p><ul><li>Credit card number</li><li>Type of&nbsp; transaction-online or offline</li><li>Transaction date</li><li>Transaction Amount</li></ul><h4>With all the details ready, you will have to the customer care number and raise a request for real-time blocking of the card. Customers from Ahmedabad, Delhi and NCR, Hyderabad, Bangalore,&nbsp; Kolkata, Pune and Mumbai can call 61606161. Customers from Chandigarh, Indore, Lucknow, Jaipur and Cochin can call 6160616.</h4><p>You should prefix the STD code of the respective city while calling customer care. The helpline services are available round-the-clock, even on bank holidays and Sundays.</p><h4><strong>✅&nbsp;How to block HDFC credit card by SMS?</strong></h4><p>You can block HDFC credit card by SMS by sending an SMS through the registered mobile number in the format BLOCK followed by the 16 digit card number to&nbsp; 5676712. However, HDFC does not provide the facility of blocking the credit card through SMS at present.</p><h4><strong>✅&nbsp; What is a zero lost card liability?</strong></h4><p>HDFC offers a zero lost card liability facility for credit cards. Under this facility, if a fraudulent transaction occurs on a lost/stolen card, there will be zero liability on the fraudulent transaction if the fraud is reported immediately to the 24 x 7 customer care. It is essential to report the loss and block the card immediately using the phone banking services in the case of any fraudulent credit card transaction.</p><h4><strong>✅&nbsp;What are the different ways of blocking the HDFC Credit&nbsp; Card and how to block credit card HDFC vide these facilities?</strong></h4><p>The different ways of blocking HDFC credit cards are:</p><ul><li>Through net banking</li><li>Through phone banking</li><li>By visiting the bank branch</li></ul><h3><strong>Through net banking</strong></h3><ul><li>Access your net banking account through the website of the bank using the User ID and password.</li><li>Click on the ‘Credit Cards’ option.</li><li>Click on the ‘Credit&nbsp; Card Hotlisting’ option on the left-side&nbsp;&nbsp;</li><li>All&nbsp; the credit cards will be displayed</li><li>Choose the card that has to be hotlisted</li><li>Mention the reason for hotlisting</li><li>For re-issue of the credit card, choose the relevant option</li></ul><h3><strong>Through Phone Banking</strong></h3><ul><li>Call the phone banking numbers 61606161 or 6160616 depending on the city of residence. Pre-fix the STD code of the respective city while dialling the number.</li><li>Validate your TIN number, i.e., the four-digit number given by the bank while registering for phone banking services.</li><li>Follow the IVRS instructions for blocking the credit card.</li></ul><h3><strong>By visiting the bank branch</strong></h3><ul><li>Download the application form from the bank website or&nbsp; collect the form from the nearest bank branch</li><li>Fill in the application with the required details.</li><li>Submit the form at the nearest bank branch, and the needful will be done.</li></ul><h4><strong>✅&nbsp;How to unblock the HDFC credit card?</strong></h4><p>You can unblock the credit card by calling the HDFC Credit&nbsp; Card Customer Care helpline and requesting the reactivation of the card. Do not venture into reactivating the credit card if you have opted for a re-issue of the credit card.&nbsp; Go for the unblocking option only if the Bank has blocked your card for repeated late payments or for spending beyond the credit limit.</p>

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When does the need arise for blocking the HDFC credit card? With increasing phishing incidents that result in fraudulent transactions, the need to block the card has become very necessary

How to Block HDFC Credit Card? All you need to know

<p>When does the need arise for blocking the HDFC credit card? With increasing phishing incidents that result in fraudulent transactions, the need to block the card has become very necessary</p>

<h2><strong>How much Personal Loan Can I Get on 25000 Salary in India?</strong></h2><p>Personal loans are very popular owing to the flexible usage options and the quick turnaround time. Now you can avail loan at one click if you satisfy the <a href="https://www.mymoneymantra.com/personal-loan-eligibility"><b>personal loan eligibility criteria</b></a> set out by individual financial institutions. The loan amount will land in your bank account within seconds if you are an existing customer of the lender and within hours if you are a new customer.&nbsp;</p><p>The main criteria to decide on the loan amount for the personal loan is your income and the repayment capacity. The repayment capacity is assessed based on the existing fixed financial obligations versus your net monthly income. Ideally, the ratio should be 50% and above.&nbsp;</p><h2><strong>How Much Personal Loan Can I Get on 25000 Salary?</strong></h2><p>You opt for a personal loan only when you are in dire need of finance and when your savings will not suffice your requirement. But you will wonder how much personal loan can I get on 25000 salary and will it be adequate to suit my requirements.</p><p>The calculation of the Personal Loan amount varies from lender to lender depending on their internal credit policies. However, the general criterion is that the minimum FOIR or Fixed obligation to Income ratio should not exceed 40% to 50% of the net income after considering the EMI for the proposed loan. The maximum loan amount that will be permitted will generally be 10 months of the gross salary, and so you will be able to get a personal loan up to Rs. 250000/- provided the FOIR criteria is complied with.</p><p>It is recommended to be aware of the proposed EMI before applying for the loan. You can calculate the EMI easily with the <b><a href="https://www.mymoneymantra.com/mmm/emi-calculator.html">EMI calculator</a></b> available on the official websites of the lenders.</p><h2><strong>Eligibility Criteria to Avail Personal Loan on 25000 Salary</strong></h2><p>Most of the financial institutions provide <b><a href="https://www.mymoneymantra.com/personal-loan-for-salaried">Personal Loans for both salaried</b></a> as well as <a href="https://www.mymoneymantra.com/personal-loan-for-self-employed"><b>self-employed individuals</b></a>/professionals. However, some of the banks restrict the loan to only salaried individuals.&nbsp;</p><p>The eligibility criteria to avail personal loan on 25000 salary are as follows:</p><figure class="table"><table><tbody><tr><td>Criteria</td><td>Salaried</td><td>Self-employed</td></tr><tr><td>Age</td><td>21 years to 60&nbsp; years</td><td>25 years to 65 years</td></tr><tr><td>Work Experience</td><td>Minimum 2 years with a minimum work experience of 6 months with the current employer</td><td>Minimum 3 to 5 years in the current business</td></tr><tr><td>Relationship with&nbsp; the lender</td><td>Minimum 6 months</td><td>Minimum 12 months</td></tr><tr><td>Residential status</td><td>Indian citizen</td><td>Resident Indian</td></tr><tr><td>Credit Score</td><td>750 and above</td><td>750 and above</td></tr><tr><td>Employer</td><td>Government Organisation/Public Sector Undertakings/PSBs, MNCs and any Reputed Companies.</td><td>Not Applicable</td></tr></tbody></table></figure><p>The above-mentioned eligibility criteria is a general one and could vary from lender to lender. The lenders, at their discretion, may vary the eligibility criteria based on the customer’s profile.</p><h2><strong>Documents Required</strong></h2><p>KYC and Income documents as detailed below have to be submitted while applying for a personal loan on 25000 salary</p><figure class="table"><table><tbody><tr><td>Type of document</td><td>Details</td></tr><tr><td>Application form</td><td>Relevant application form duly filled and signed</td></tr><tr><td>Photo Identity Proof</td><td>Passport, Aadhar Card, Voter’s ID, PAN Card, Driving Licence (anyone)</td></tr><tr><td>Address Proof</td><td>Aadhar Card, Utility bills, Voter’s ID Card, Driving Licence, Passport (anyone)</td></tr><tr><td>Signature Proof</td><td>PAN, Passport, Bank Certificate (anyone)</td></tr><tr><td>Age Proof</td><td>Passport, Birth Certificate, PAN Card, Voter’s ID, Aadhar Card (anyone)</td></tr><tr><td>Income Proof</td><td><p><strong>For salaried individuals</strong></p><p>Latest salary slips(3 months)</p><p>Form 16 and ITR</p><p>Bank statement for last 6 months of salary account.</p><p><br>&nbsp;</p><p><strong>For self-employed&nbsp; individuals/professionals</strong></p><p>Audited financials along with ITRs with income computation for the last two years</p><p>Bank account statement for the last one year of the main operative account</p></td></tr></tbody></table></figure><h2><strong>Best Personal Loan Interest Rates 2021 in India</strong></h2><p>A comparative list of the prevailing interest rates of Top financial institutions for 2021 in India is given below.</p><figure class="table"><table><tbody><tr><td>Name of the financial institution</td><td>Interest Rate</td></tr><tr><td><b><a href="https://www.mymoneymantra.com/personal-loans/canara-bank">Canara Bank</b></a></td><td>10.20% to 13.30%</td></tr><tr><td><b><a href="https://www.mymoneymantra.com/personal-loans/bank-of-baroda">Bank of Baroda</b></a></td><td>10.50% to 12.50%</td></tr><tr><td><a href="https://www.mymoneymantra.com/personal-loans/central-bank-of-india"><b>Central Bank of India</b></a></td><td>9.85% to 10.05%</td></tr><tr><td><a href="https://www.mymoneymantra.com/personal-loans/tata-capital"><b>Tata Capital</a></b></td><td>10.50% to 24%</td></tr><tr><td><a href="https://www.mymoneymantra.com/personal-loans/bajaj-finserv"><b>Bajaj Finserv</a></b></td><td>12.99% onwards</td></tr><tr><td><a href="https://www.mymoneymantra.com/personal-loans/indusind-bank"><b>Indusind Bank</a></b></td><td>11% onwards</td></tr><tr><td><a href="https://www.mymoneymantra.com/personal-loans/idfc-first-bank"><b>IDFC First Bank</b></a></td><td>10.49% onwards</td></tr><tr><td>Bandhan Bank</td><td>15.90% to 20.75%</td></tr><tr><td><a href="https://www.mymoneymantra.com/personal-loans/hdfc"><b>HDFC Bank</b></a></td><td>10.50% to 21%</td></tr></tbody></table></figure><h2><strong>Steps to Avail Personal Loans with Salary up to Rs. 25,000</strong></h2><p>Before applying for a personal loan on 25000 salary you will have to consider the following.</p><ul><li><strong>Eligibility</strong>: You should primarily check the eligible amount commensurate to your salary using the EMI calculator. You should keep in mind that the debt to income ratio should not exceed 40% to 50% of your net income after considering the proposed EMI. Consolidate all your existing commitments and arrive at the differential available income to service the EMI. Check eligibility keeping the affordable EMI in mind, and apply for the loan amount accordingly to hasten the approval process.</li><li><strong>Credit Score</strong>: Draw your credit report and check the credit score. If there are any discrepancies, then get is resolved through the customer support group of the credit bureau. The credit score should necessarily be between 700 to 750 to be eligible for the loan amount and also to get a good deal in terms of interest.</li><li><strong>Interest Rate</strong>: Compare the current <a href="https://www.mymoneymantra.com/personal-loan-interest-rates"><b>personal loan interest rate</b></a> in the market as well as the other charges and then approach the lender who is offering the best deal.</li></ul><p>Once all the above pointers are in place, apply for a personal loan on 25000 salary by filling an online application available on the official website of the vendor.</p><ul><li>Access the website of the lender.</li><li>Choose ‘Personal Loan’ under the ‘Loans’ option.</li><li>Click on the ‘Apply Now button.</li><li>You will be directed to the online personal loan application.</li><li>Input the required personal, contact and income details and submit the application.</li><li>You may have to scan and upload the required documents.</li><li>In the case of some lenders, the representatives will contact you will pick up the required documents from your doorstep.</li><li>The loan application will be processed, and if approved, the same will be communicated to you vide SMS or Email.</li><li>On execution of the documents, the loan proceeds will be credited to your account.</li></ul><p>If how much personal loan can I get for 25000 salary<strong> </strong>from the bank where my salary account is maintained is your concern then, you can check for a <b><a href="https://www.mymoneymantra.com/pre-approved-personal-loan">pre-approved personal loan</b></a> by logging in to net banking. If you are one of the select customers eligible for the loan, you can place a request by mentioning the loan amount and tenure, and the amount will be credited to your account within seconds.</p><p>In addition, you can also approach the nearest branch of the lender to apply for the loan via a loan application along with the required documents.</p><h2><strong>How can I improve the eligibility for a Personal Loan in India?</strong></h2><p>To improve the eligibility for a personal loan on 25000 salary in India, you will have to deliberate on the following points.</p><ul><li><strong>Credit Score</strong>: Maintain the credit score at 750 and above by paying the existing EMIs and credit card dues well before the due date. A good score is like a financial character certificate. It projects you as a responsible borrower who has a commitment towards repayment. If you have a good credit score, you will be categorised as a low-risk candidate, and the lender will offer a lower rate of interest as well.</li><li><strong>Avoid multiple enquiries</strong>: In a quest for urgent finance, you might land up making multiple enquiries simultaneously with various lenders. Every time an enquiry is made, the lenders will draw a credit report that will reflect your credit history. This will implicate you as a person desperate for credit and will not carry a good impression as far as the lenders are concerned. So you should avoid hopping from lender to lender seeking a loan.</li><li><strong>Pay off existing debts</strong>: Try to reduce your existing obligations by paying off some of the debts. This will help in improving the debt to income ratio, which will, in turn, improve your eligibility.</li><li><strong>Declare all income sources</strong>: In addition to your regular income, if you have any other source of income like rent, interest on deposits, dividends or any other income from investments, declare the sources to improve your eligibility.</li><li><strong>Add a co-applicant:</strong> You can add a co-applicant with a good credit score and regular income to improve the eligibility. The co-applicant can be a spouse, parent or child.</li></ul><h3><strong>Frequently Asked Questions</strong></h3><h4><strong>✅What are the criteria to calculate personal loan eligibility?</strong></h4><p>The personal loan eligibility will depend on various factors like credit score, income, repayment capacity, number of dependents, type of employment, and stability of income.</p><h4><strong>✅What is the eligible loan amount for a salary of Rs. 25000/-?</strong></h4><p>The loan amount is normally equivalent to 10 months gross salary. This may, however, vary from lender to lender depending on the internal credit guidelines. The maximum amount you can get for a personal loan on 25000 salary will be Rs. 250000/-This again depends on your income, repayment capacity and credit score. Credit Score because the interest rate depends on the credit score. The higher the credit score, the lower will be the interest. With a lower interest, the EMI will also be lower, and you will be able to get a higher loan amount.</p><h4><strong>✅ What are the different modes to repay a personal loan?</strong></h4><p>The different modes to repay a personal loan are:</p><ul><li>Registering standing instructions through NACH mandate</li><li>Setting up an AutoPay through net banking</li><li>Transfer through NEFT or RTGS</li><li>Post Dated Cheques</li></ul><p>The above-mentioned are common repayment modes. However, the repayment modes may differ from lender to lender.</p><h4><strong>✅ What is the credit score required for Rs. 25000 personal loan?</strong></h4><p>The credit score required for Rs. 25000/- personal loan will be 750 and above.</p><h4><strong>✅ How is the EMI for Rs. 25000 personal loans calculated?&nbsp;</strong></h4><p>The EMI is calculated using the formula [P x R x (1+R)^N]/[(1+R)^N-1] where P is the Principal, R is the rate of interest, and N is the tenure. You can try different variable combinations and arrive at the desired EMI that can fetch the maximum loan amount.</p><h4><strong>✅How does the credit score impact the Rs. 25000/- personal loan?&nbsp;</strong></h4><p>A good credit score speaks of your financial discipline and your commitment towards repayment of the loans and credit card dues promptly. You will be considered as a responsible borrower, and the lender will be convinced about your integrity and will offer you the loan at a lower rate. This will reduce the cost of the loan as the EMI will be low when the interest is low.</p><h4><strong>✅Is it always necessary to go for the lowest EMI while applying for a personal loan?</strong></h4><p>The EMI choice again depends on your repayment capacity. If your existing obligations are low and your debt to income is at a sufficiently lower level, then you can opt for a higher EMI and shorten the tenure. This will reduce the cost of the loan. It is not mandatory to choose the lowest EMI. Lowest EMI is only a convenient option to increase your eligibility.</p><h4><strong>✅ Is it a good option to pay off credit card dues with a personal loan?</strong></h4><p>If you have opted for a revolving credit for your credit cards and are habitual of paying only the minimum amount on the due date, the rate of interest charged on the outstanding balance is much higher than the interest on the personal loan. So it is highly recommended to avail of a personal loan and clear the credit card dues as you will have the option of consolidating all thee credit card dues and paying off with a personal loan to reduce the cost of the loan.</p>

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Personal loans are very popular owing to the flexible usage options and the quick turnaround time. Now you can avail of a personal loan at the click of a button if you satisfy the eligibility criteria set out by individual financial institutions. 

How much Personal Loan Can I Get on 25000 Salary in India?

<p>Personal loans are very popular owing to the flexible usage options and the quick turnaround time. Now you can avail of a personal loan at the click of a button if you satisfy the eligibility criteria set out by individual financial institutions.&nbsp;</p>

<h2><strong>Types of HDFC Credit Cards Available in India 2021</strong></h2><p>India’s largest private sector bank (in terms of assets), which is HDFC Bank, provides a wide range of credit cards in India. The numerous HDFC credit card types available for consumers to choose from makes it worthy of understanding why this player is amongst the best lenders in our country's banking industry. Currently, amongst the HDFC Bank credit card types offered to consumers is based on different consumer segments targeted by the bank. The list of cards and HDFC credit card types are aimed to be customized and cater to as a wide set of consumers as possible, focusing on the availability of some type of card for every consumer's needs and spending habits.</p><h2><strong>Types of HDFC Credit Cards</strong></h2><p>The primary focus of offering a wide range of HDFC credit card types such as Travel, Fuel, Lifestyle, Premium, Rewards and Cashback, Super premium, EMI etc., is to have a category and card for all possible transactions and to spend patterns of varying consumers. And with the hassle-free process of availing of the offered credit cards coupled with completely secure as well as convenient experiences makes it imperative to avail HDFC credit cards. Given that credit cards tend to involve numerous fees and charges which consumer needs to be aware of, remember to check HDFC credit card types and charges before zeroing in on any card.</p><h2><strong>Best HDFC Credit Cards 2021</strong></h2><p>Amongst the wide variety of HDFC credit card types available for widely varying sets of consumers, below mentioned is a list of some of the best HDFC credit cards which you can choose when comparing and finalizing any card.</p><figure class="table"><table><tbody><tr><td><strong>HDFC MoneyBack Credit Card</strong></td></tr><tr><td><strong>HDFC Regalia Credit Card</strong></td></tr><tr><td><strong>HDFC Millennia Credit Card</strong></td></tr><tr><td><strong>HDFC Diners Club Rewardz Credit Card</strong></td></tr><tr><td><strong>HDFC IndianOil Credit Card</strong></td></tr></tbody></table></figure><h2><strong>Features &amp; Benefits of HDFC Credit Card Types in India</strong></h2><h3><strong>HDFC MoneyBack Credit Card</strong></h3><p><strong>Joining and Annual Fee:</strong>&nbsp;Rs. 500</p><p><strong>Key Features:</strong></p><ol><li>Reward Points earned-&nbsp;Get 2 reward points per Rs. 150 spent, and even more, get 4 reward points per Rs. 150 spent on online shopping</li><li>Cashback offer-&nbsp;Get your accumulated reward points redeemed for cash credit into your statement, with the value of 100 points being equal to Rs. 20</li><li>Fuel Benefits-&nbsp;Availability of a complete fuel surcharge waiver gets you to save up to Rs. 250 in a billing cycle</li><li>The benefit of reaching milestones-&nbsp;Get Rs. 500 e-vouchers on spending Rs. 50,000 in a quarter</li></ol><h2><strong>HDFC Regalia Credit Card</strong></h2><p><strong>Joining and Annual Fee:&nbsp;</strong>Rs. 2,500</p><p><strong>Key Features:</strong></p><ol><li>Joining Benefit– Get complimentary membership of Dineout Passport for 1 year</li><li>Lounge Access Facility-&nbsp;Get 12 complimentary domestic lounge access each year through Visa/Mastercard, and also avail complimentary membership of Priority Pass with 6 free visits in each calendar year.</li><li>Reward Points earned– Get 4 reward points per Rs. 150 spent on every retail spending except fuel</li><li>Benefits on reaching milestones – Get 10,000 reward points upon reaching spends of Rs. 5 Lakh in a year and get an additional 5,000 reward points upon reaching spends of Rs. 8 Lakhs in a year.</li><li>Reward Redemption Program– Redeem accumulated reward points against any of the available and offered premium range of products and vouchers from the rewards redemption catalogue, against flights and hotel bookings, or against exclusive reward redemption portal available to be used by HDFC Regalia users.</li></ol><h2><strong>HDFC Millennia Credit Card</strong></h2><p><strong>Joining and Annual Fee:&nbsp;</strong>Rs. 1,000</p><p><strong>Key Features:</strong></p><ol><li>Cashback earned– Get cashback on all your spending, mainly as 5% cashback upon shopping via PayZapp for Amazon, Flipkart, Flight &amp; Hotel bookings,5% cash back upon all kinds of online spending done above Rs. 2,000, and get 1% cashback on all offline spends as well as wallet reloads of more than Rs. 100</li><li>Lounge Access Facility– Get 8 free domestic lounge accesses for every year</li><li>Joining Benefit– Get Rs. 1,000 gift vouchers upon spending Rs. 1 Lakh every quarter in the HDFC Millennia card’s first year</li><li>Dining Offers– Get discounts as well as offers through the Good Food Trail Dining program of HDFC</li></ol><h2><strong>HDFC Diners Club Rewardz Credit Card</strong></h2><p><strong>Joining and Annual Fee:&nbsp;</strong>Rs. 1,000</p><p><strong>Key Features:</strong></p><ol><li>Joining as well as Renewal Benefits– Get 1,000 bonus reward points upon making payment of joining and renewal fee each and every year</li><li>Reward Points earned– Get 3 reward points for spending every Rs. 150 on retail. Also, get 10X rewards upon shopping with the list of selected partner brands.</li><li>Reward Redemption Program– Get products as well as vouchers from the rewards program catalogue when redeeming reward points. Additionally, utilize the accumulated points to even book flight tickets and hotel stays.</li><li>Travel Benefits- Get exclusive benefits with a set of partnered travel partners. Also, get to convert accumulated reward points into air miles of selective airlines.&nbsp;</li><li>Lower Forex Markup charge– Just need to pay only 2% markup fee on foreign currency spending. Check for all such things in HDFC credit card types and charges mentioned in the Fees and Charges schedule available on HDFC Bank's website's MITC for credit cards.</li></ol><h2><strong>HDFC IndianOil Credit Card</strong></h2><p><strong>Joining and Annual Fee:&nbsp;</strong>Rs. 500</p><p><strong>Key Features:</strong></p><ol><li>Get fuel points at listed IndianOil fuel outlets by earning 5% of your spent amount</li></ol><h3>Get to earn 1 Fuel Point for every Rs.150 spent with HDFC IndianOil Credit Card</h3><ol><li>Get to earn at least 50 litres of free fuel each year</li></ol><h2><strong>Eligibility Criteria of HDFC Credit Cards Types</strong></h2><p>With a long list of HDFC credit card types for consumers to choose from, it also becomes tedious to separately check eligibility criteria for each category's credit card. Hence, note that for availing of a card amongst the various HDFC credit card types, you have to be in the 21-60 years age group if salaried and 21-65 years if self-employed.</p><h2><strong>How to check eligibility for HDFC credit card types online?</strong></h2><p>On HDFC Bank’s website, you can check your eligibility for various HDFC credit card types by providing your basic required details like age, income, occupation etc. Upon knowing the cards available for you, choose the most suitable card as per your spending pattern and also after factoring in the available HDFC credit card types and charges applicable on them.</p><h2><strong>Documents Required</strong></h2><p>Apart from a duly filled application form, applicants also need to submit proof of identity, proof of address and proof of income. Given below is the detailed list of acceptable documents in each category when comparing and choosing amongst &nbsp;HDFC Bank credit card types.</p><p><strong>Proof of Identity- </strong>Passport, PAN Card, Aadhaar card, Driver's License, Voter's ID, Person of Indian Origin Card, Overseas Citizen of India Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof&nbsp;</p><p><strong>Proof of Address- </strong>Aadhaar card, Passport, Driver’s License, Utility Bill (should not be more than 3 months old), Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government-approved address proof&nbsp;</p><p><strong>Proof of Income- </strong>Latest one or two salary slips (should not be more than 3 months old), Last 3 months' bank statement, Latest Form 16</p><h2><strong>HDFC Credit Card Types Fees &amp; Charges</strong></h2><p>When comparing amongst the various HDFC credit card types offered, it’s important as well as imperative for you to have a look at the applicable HDFC credit card types and charges and then finalize the best card according to your requirement and spending pattern.</p><figure class="table"><table><tbody><tr><td>Joining and Annual Fee</td><td>Varies from Card to Card and across different HDFC Bank credit card types.</td></tr><tr><td>Finance Charges</td><td>Up to 3.6% per month, I.e.&nbsp; up to 43.2% per annum (varies from card to card)</td></tr><tr><td>Late Payment Fee</td><td>Widely ranges from NIL to Rs. 1,300 depending upon the outstanding amount</td></tr></tbody></table></figure><h2><strong>How to Apply HDFC Credit Card Types in 2021?</strong></h2><p>There are several ways to apply for the chosen card amongst the numerous HDFC Bank credit card types. You can either apply online through net banking, mobile banking or directly visiting the HDFC bank branch nearest to you. Let’s deep dive and understand the steps involved in the easiest process amongst these all, i.e. online submission of credit card application.</p><ul><li>Visit the HDFC Bank website and click on the credit cards category to know the wide range of HDFC credit card types offered.</li><li>Check the diverse HDFC credit card types and features in order to help yourself in selecting the best one as per your requirement.</li><li>Then click on apply online and fill in the required details such as your name, date of birth, mobile number, email ID, city, income pin code, PAN number etc. Accordingly, enter the security code you got on your mobile and/or email, and then click on Submit option.</li><li>Now, just wait to get an SMS/Email/call from HDFC Bank in order to take forward your credit card application.</li></ul><h3><strong>Frequently Asked Questions (FAQs)</strong></h3><h4><strong>✅Which credit card is best when comparing amongst the various HDFC Bank credit card types offered by HDFC Bank?</strong></h4><p>HDFC Bank offers a extensive range of credit cards and different&nbsp; HDFC credit card types aimed to meet various needs of consumer segments and to spend patterns like travel, fuel, shopping, cashback, etc. Finalize only after comparing various HDFC credit card types and features of them, and according go for the credit card that best meets your eligibility and spending habits.</p><h4><strong>✅Can you increase your HDFC credit card limit online?</strong></h4><p>Those wanting to avail of an increased credit limit on their HDFC Credit card can log in to the net banking portal, then go to the cards section and select the 'Request' option. Next, choose the ‘Credit Limit Enhancement’ option available there. Then enter your credit card details, do the verification required. Now you will see a pop-up telling you whether you are eligible for an increase in credit limit or not. If yes, then your credit limit will be increased post completion of all the required processes depending on the HDFC Bank credit card types.</p><h4><strong>✅What is the process to check HDFC credit card statements online?</strong></h4><p>HDFC credit card users can conveniently check their HDFC credit card statement online. All they are needed to do is visit the HDFC website, log in to your account, go to the 'Cards' section, and then choose the ‘Enquire’ option in order to view your statement. Alternatively, you can also check your statement through HDFC MobileBanking App. If you had opted for mailed statements, then the statement would have been emailed to you as well.</p><h4><strong>✅How can you change HDFC credit card PIN online?</strong></h4><p>Depending upon the varying HDFC credit card types and features offered for the chosen credit card that you have, the steps to change the HDFC pin are simple and can be done online itself. Just visit the HDFC net banking portal, log in to your HDFC net banking account and then click on the 'Cards' section, select the 'Credit Card' option. Then, choose ‘Credit card options’ and select ‘Change PIN’ facility. Now go ahead to verify this request by entering the OTP received from HDFC Bank on your registered mobile number. Once this is done, you can enter a new 4-digit PIN according to your choice and then finally confirm it.</p><h4><strong>✅Which is the best credit card offered by HDFC for travel?</strong></h4><p>Amongst the wide range of HDFC Bank credit card types and within that multiple cards offered for travel segment, HDFC Regalia and HDFC Diners Club Miles Credit Card are amongst the best travel credit cards provided by HDFC Bank. Travel Credit Cards offered by HDFC Bank provide a host of exclusive travel benefits like complimentary airport lounge access, higher rewards on flight and hotel bookings, low markup fees, air miles conversion facility etc.</p>

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India’s largest private sector bank (in terms of assets), which is HDFC Bank, provides a wide range of credit cards in India.

Types of HDFC Credit Cards Available in India 2021

<p>India’s largest private sector bank (in terms of assets), which is HDFC Bank, provides a wide range of credit cards in India.</p>

<h2><strong>How to Activate Bank Of Baroda Credit Card? - All You Need to Know</strong></h2><p>Credit cards require activation before they can be used. However, it can be tricky for several first-time users to activate their credit cards after getting it from the bank.</p><p>If you are a Bank Of Baroda customer who is wondering how to activate BOB credit card, here is everything you need to know regarding the several ways you can activate your credit card.</p><h2>How to Activate your BOB Credit Card Online?</h2><p>Do you want to avoid the offline methods for the extra hassle it adds to the entire process? Are you wondering how to activate BOB credit card in a hassle-free manner? No need to worry. There are several online methods that you can follow to activate your credit card by generating the PIN for the first time.</p><ol><li>One of the easiest ways of activating a credit card online is to use your net banking account. It is a safe, quick, and feasible process that you can follow from the comfort of your home.</li><li>&nbsp;You can also choose to use your mobile banking account to generate your credit card PIN for the first time. Mobile banking nowadays can be used with or without the help of the internet,, making it one of the most feasible methods for generating a credit card PIN for the first time.</li></ol><p>Here are some detailed, step-by-step processes that you can understand and follow to activate your credit card online.&nbsp;</p><h2>How to Activate Bank Of Baroda Credit Card through Netbanking?</h2><p>The net banking option can be the best option for you if you are wondering how to activate BOB credit card<strong> </strong>in a hassle-free and quick manner from your home.</p><p>You need to follow the steps given below to activate your credit card through your net banking account:</p><ul><li>If you are a first-time user and have not yet registered to their official banking account, visit their page and register first to move forward with the process.</li><li>First, you need to generate your PIN for the first time and put the OTP sent to your registered mobile number.</li><li>If you are already a registered customer, you need not re-register to activate your credit card PIN.</li><li>Go to their page to log in using the necessary credentials.</li><li>After that, you have to provide your credit card details, such as your credit card number, CVV, expiry date, along with your exact birth date that is registered with your bank account.</li><li>An OTP is received on the mobile number registered with the bank to verify your identity and mobile number.</li><li>You will need to put the OTP on your screen. Crosscheck all the card details as well as your details before hitting the submit button.</li></ul><h2>How to Activate Bank Of Baroda Credit Card through Mobile Banking?</h2><p>It is also possible to activate your credit card through mobile banking. Mobile banking can be used both in offline and online methods. It is a feasible option considering that it is safe, quick, and instant and does the job seamlessly.</p><p>The steps that you need to follow to activate your credit card through mobile banking are mentioned here:</p><ul><li>You need to download the mobile banking app on your phone before you start the process of activating your credit card.</li><li>If you already have it downloaded, you need to open the app using your credentials.</li><li>Go to the select credit cards option and visit the service request option for further steps.</li><li>You'll be asked to select your credit card option from the drop-down menu before you click on the generate credit card PIN option.</li><li>You will need to add the necessary details to proceed further, including your credit card number, CVV number, and your card's expiry date with your birthdate.</li><li>Crosscheck all the details that you put in and then confirm them.</li><li>After verifying your details with a new OTP, a pop-up will appear on your screen, letting you know that your PIN has been successfully generated.</li></ul><p>&nbsp;These are the two most feasible and quick online methods that you can follow to generate your CC PIN for the first time before using it.</p><h2>How to Activate Bank Of Baroda Credit Card Offline?</h2><p>If you do not feel comfortable using online methods for your credit card activation, here are some offline methods you can follow:&nbsp;</p><p>If you are wondering how to activate BOB credit card<strong> </strong>using offline methods, the two methods that you can follow are mentioned here:</p><ol><li>&nbsp;You can take the help of customer care services to activate your credit card PIN. It is safe, easy, and quick when activating a new credit card PIN compared to the other methods.</li><li>&nbsp;You can also visit your nearest ATM to activate your credit card safely.</li></ol><p>&nbsp;Now, let's take a look at the methods thoroughly so that you can follow them properly when you activate your BOB credit card.</p><h2>How to Activate Bank Of Baroda Credit Card through ATM?</h2><p>Using the ATM can be one of the best options when it comes to activating your credit card. Here is what you need to do to activate your BOB credit card using the ATM:</p><ul><li>Visit your nearest ATM and slide your card through the machine for further steps. The first option that will appear on your screen is to set/regenerate PIN.</li><li>The screen will appear after that, asking for your credentials.</li><li>You will be asked to put an OTP that will be sent to your registered mobile number.</li><li>After the successful entry of your one-time password, you will be taken to the next screen. You will then be asked to generate your credit card PIN.</li></ul><p>&nbsp;Make sure you always change your credit card PIN for safety purposes. Never forget to use your mobile number that is registered to your bank account. Any other number will not work in that regard.</p><h2>How to Activate Bank Of Baroda Credit Card hia Customer Care?</h2><p>If you are wondering how to activate BOB credit card without following any online procedures or following the ATM method, taking the help of customer care services of the Bank Of Baroda to activate your credit card can be the best option for you.</p><p>To follow this method, you need to call their hotline number 18001031006/ 1800225100. The customer care executive will ask you for your preferred language and your card details, date of birth, and other details to verify your information.</p><p>After you request them to activate your credit card, they will take you through the entire process. You need to follow the steps that they tell you.</p><p>These are the major offline and online methods that you can follow if you wonder how to activate Bank Of<strong> </strong>Baroda credit card. Go through all the details to opt for the one that most feasible for you.</p><h3>FAQs</h3><h4><strong>✅ </strong>1. How can I change my Bank Of Baroda Credit Card PIN?</h4><p>Ans: To change your Bank Of Baroda credit card PIN, you can call their customer care number or visit the ATM to change it.</p><h4>✅2. What is the quickest method to activate my Bank Of Baroda credit card?</h4><p>Ans: Calling the customer care executive or activating a new credit card through a net banking account can be quick.</p><h4>✅3. How often can I change my credit card PIN?</h4><p>Ans: There is no limit. You can change your credit card PIN as many times as you want to.</p><h4>✅4. How do I activate my Bank Of Baroda credit cards?</h4><p>Ans: The process to activate your credit card remains the same whether you activate it as your primary credit card or add-on card.</p><h4>✅5. Can I add different PINs for one credit card?</h4><p>Ans: It is not possible to add several PINs for one single credit card.</p><h4>✅6. How can I link all my accounts to mobile banking?</h4><p>Ans: After you register for mobile banking, all your registered digital accounts and your details will get linked to your mobile banking account.</p><h4>✅7. What is the easiest way to contact Bank Of Baroda customer care services?</h4><p>Ans: You can call their customer care number 18001031006 or 180 0225 100.</p><h4>✅8. What is the easiest way to change my Bank Of Baroda credit card PIN?</h4><p>Ans: You can either use the net banking account to change your Bank Of Baroda credit card PIN, or you can also visit the ATM to do the same.</p>

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Credit cards require activation before they can be used. However, it can be tricky for several first-time users to activate their credit cards after getting it from the bank.

How to Activate Bank Of Baroda Credit Card? - All You Need to Know

<p>Credit cards require activation before they can be used. However, it can be tricky for several first-time users to activate their credit cards after getting it from the bank.</p>

<h2><strong>25 Lakh Home Loan EMI Interest Rate 2021</strong></h2><p>If you are planning to borrow a sum of Rs.25 Lakhs towards the purchase, construction or repair of a property, the good news is that there are several banks that you can choose from. However, before you make that financial commitment, you should know how much 25 lakh home loan EMI you can expect each month.&nbsp;</p><p>Here are all the details required for you to choose a bank that is best suited for you to finance a new property.&nbsp;</p><h2><strong>25 Lakh Home Loan EMI Details</strong></h2><p>One factor that influences the EMI payable towards the loan is the tenure of the loan. 25 Lakh home loan EMI for 10 years<strong> </strong>varies significantly from a home loan that has a tenure of 30 years.&nbsp;</p><p>Before we delve into the details of the exact EMI to expect, let us understand how 25 lakh home loan EMI<strong> </strong>is calculated, to begin with.&nbsp;</p><p>An EMI is an Equated Monthly Installment. This is the repayment that you have to make towards your loan each month. Every bank uses a standard formula to calculate this EMI, which is E = [P x R x (1+R)^N]/[(1+R)^N-1]. Here P is the loan amount, R is the rate of interest and N is the tenure of the loan.&nbsp;</p><p>You can also calculate the EMI using an excel sheet with the PMT formula. Just click on the ‘=’ symbol and enter the formula PMT (rate of interest, period and loan amount). Then click on the enter button. Then, you can add the three variables:&nbsp;</p><ul><li>The monthly interest- If your interest rate is 12% p.a, add the monthly interest rate as 1%.&nbsp;</li><li>Loan tenure- This value should be typed in months. So, if it is 15 years, you will enter 180 months</li><li>Loan Amount- The total amount availed as a loan.&nbsp;</li></ul><p>You can skip these complicated calculations entirely and make use of a 25 Lakh home loan EMI calculator.<strong> </strong>This is a financial tool that is available on all banking websites and finance-related websites. All you have to do is enter the parameters, namely the tenure, rate of interest and loan amount.&nbsp;</p><p>The calculator will apply the EMI formula and give you an accurate result. You can calculate 25 lakh EMI for 10 years<strong> </strong>or any other tenure in just a few seconds.&nbsp;</p><p>Calculating your EMI in advance will help you understand if a particular loan plan is affordable for you. You can plan your monthly budget accordingly and change parameters like the loan amount and tenure to reduce the EMI as per your convenience and affordability.</p><h2><strong>25 Lakh Home Loan Interest Rates</strong></h2><p>When you are calculating the EMI for an Rs.25 Lakh loan, the interest rate is the deciding factor when you are choosing the lender. Each lender offers different interest rates depending upon their internal policies.&nbsp;</p><p>Majorly, there are two kinds of interest rates that are applicable when calculating a 25 lakh home loan EMI:&nbsp;</p><ul><li><strong>Fixed interest rates: These interest rates remain the same from the beginning to the end of the tenure as they are not affected by the market lending rates.&nbsp;</strong></li><li><strong>Floating interest rates: Floating interest rates are linked to market lending rates. So, with any increase or decrease in the market rate, the rate of interest applicable also changes.&nbsp;</strong></li></ul><p>Irrespective of the type of interest rate that you opt for, there are many factors that determine the final rate of interest that is offered to the customer:&nbsp;</p><ul><li><strong>The CIBIL score: This is the most important factor that determines the 25 Lakh home loan EMI. The CIBIL Score, also known as the credit score, shows the financial health of any individual. If they have made regular repayments towards any existing credit and have good financial health, then the CIBIL score is high. In this case, the individual is considered a good candidate for a home loan. Therefore, he or she is offered a lower interest rate.&nbsp;</strong></li><li><strong>The Loan to Value ratio: The loan to value ratio is calculated according to the market value of the property. If the property is in a prime location and has a good resale value, the margin to be paid by the applicant reduces. Since the property is taken in as security against the loan, a higher loan to value ratio often attracts a lower interest rate.&nbsp;</strong></li><li><strong>The income: When the repayment capacity of the individual is higher, the interest rate is reduced. So when the income of the individual is higher, he or she is eligible for a lower interest rate. &nbsp;If you wish to apply for a home loan, it is a good idea to show multiple income sources to bring down your EMI payable. You can also apply for a joint loan where the income of the co-applicant is taken into consideration.&nbsp;</strong></li><li><strong>Age of the customer: Home loans are long term loans. Therefore, the age of the customer is a very important criterion. Younger candidates are most preferred as they can get the complete home loan tenure, allowing them to enjoy lower 25 lakhs home loan EMI for 10 years or more. So, they are also offered a lower rate of interest.&nbsp;</strong></li></ul><h2><strong>Popular Banks providing 25 Lakh Home Loan</strong></h2><p>You can use the 25 lakhs home loan EMI calculator<strong> </strong>for various banks to compare the final amount payable.&nbsp;</p><p>Here is a list of popular banks that provide up to 25 lakhs home loans and the interest rate offered by them:&nbsp;</p><figure class="table"><table><tbody><tr><td><strong>Name of the Lender&nbsp;</strong></td><td><strong>Rate of Interest&nbsp;</strong></td></tr><tr><td><strong>Indian Bank&nbsp;</strong></td><td>7.55% onwards</td></tr><tr><td><strong>Kotak Mahindra Bank</strong></td><td>6.65% onwards</td></tr><tr><td><strong>Punjab and Sind bank</strong></td><td>6.66%</td></tr><tr><td><strong>LIC Housing Finance&nbsp;</strong></td><td>6.66%</td></tr><tr><td><strong>State bank of India</strong></td><td>6.75%</td></tr><tr><td><strong>HDFC Bank&nbsp;</strong></td><td>6.75%</td></tr><tr><td><strong>ICICI Bank</strong></td><td>6.75%</td></tr><tr><td><strong>Bank of Baroda&nbsp;</strong></td><td>6.75%</td></tr><tr><td><strong>Punjab National Bank</strong></td><td>6.75%</td></tr></tbody></table></figure><h2><strong>25 Lakh Home Loan EMI for 30 Years</strong></h2><p>Let us calculate 25 Lakhs home loan EMI<strong> </strong>for 30 years at an interest rate of 6.80% which is the most common offering by most banks:&nbsp;</p><figure class="table"><table><tbody><tr><td>Total Loan Amount</td><td>Monthly Installment/ EMI</td><td>Total Interest Paid&nbsp;</td><td>Total Amount Paid</td></tr><tr><td>Rs. 25 Lakhs&nbsp;</td><td>Rs.16298.13</td><td>Rs.33,67,327</td><td>Rs.58,67,327</td></tr></tbody></table></figure><h2><strong>25 Lakh Home Loan EMI for 25 Years</strong></h2><p>Let us reduce the tenure by 5 years to see how the EMI is affected by the tenure.</p><figure class="table"><table><tbody><tr><td>Total Loan Amount</td><td>Monthly Installment/ EMI</td><td>Total Interest Paid&nbsp;</td><td>Total Amount Paid</td></tr><tr><td>Rs. 25 Lakhs&nbsp;</td><td>Rs.17352</td><td>Rs.27,05,540</td><td>Rs.52,05,540</td></tr></tbody></table></figure><h2><strong>25 Lakh Home Loan EMI for 20 Years</strong></h2><p>You can use a 25 lakh home loan EMI calculator<strong> </strong>to check the exact interest payable towards the loan.&nbsp;</p><figure class="table"><table><tbody><tr><td>Total Loan Amount</td><td>Monthly Installment/ EMI</td><td>Total Interest Paid&nbsp;</td><td>Total Amount Paid</td></tr><tr><td>FRs. 25 Lakhs&nbsp;</td><td>Rs.19083</td><td>Rs.20,80,037</td><td>Rs.45,80, 037</td></tr></tbody></table></figure><h2><strong>Eligibility Criteria</strong></h2><p>The eligibility criteria to avail of a loan for Rs.25 Lakhs are as follows:&nbsp;</p><ul><li>Should be a citizen of India&nbsp;</li><li>The applicant should be at least 18 years of age.&nbsp;</li><li>The maximum age varies according to the bank, with a cap at 65 years in most cases.&nbsp;</li><li>He or she should have a stable source of income in the form of employment or a business.</li><li>They should meet the minimum income requirement according to the bank chosen.&nbsp;</li></ul><h2><strong>Documents Required</strong></h2><p>The documents required are as follows:&nbsp;</p><ul><li>KYC documents like PAN Card or Adhaar Card&nbsp;</li><li>Salary Slips for the last 3 months or Form 16 in case of salaried individuals.&nbsp;</li><li>Profit and loss statements or tax return documents for self-employed individuals.&nbsp;</li><li>Bank account statements for the last 6 months.&nbsp;</li></ul><h3><strong>FAQs</strong></h3><h4><strong>✅Should I increase loan tenure to reduce monthly EMI?</strong></h4><p>You can opt to increase the tenure of your loan to bring down the EMI. However, you must note that you will end up paying a higher amount towards the interest. So, it is advisable to negotiate on the interest rate if possible and ensure the lowest possible tenure.&nbsp;</p><h4><strong>✅How to use an EMI calculator?&nbsp;</strong></h4><p>You will have to enter the rate of interest, tenure and loan amount or use a slider to set these parameters. Then click on ‘Calculate’ to get the exact details of your loan.&nbsp;</p><h4><strong>✅Do I have to pay a margin for a 25 lakh home loan?&nbsp;</strong></h4><p>In most cases, the borrower has to pay a margin of at least 10%. This depends upon the loan to value ratio offered by the bank that you have availed your loan from.&nbsp;</p><h4><strong>✅Are there any tax benefits with home loans?&nbsp;</strong></h4><p>Any repayment made towards a home loan is eligible for tax deductions according to the Income-tax Act of 1961. You can get deductions on both the interest and the principal amount based on the type of property and the value of the property.&nbsp;</p><h4><strong>✅What is the CIBIL score required for an Rs.25 lakh home loan?&nbsp;</strong></h4><p>Most banks ask for a CIBIL score of at least 650-700 for an individual to be eligible for a home loan of Rs.25 lakhs.&nbsp;</p>

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If you are planning to borrow a sum of Rs.25 Lakhs towards the purchase, construction or repair of a property, the good news is that there are several banks that you can choose from.

25 Lakh Home Loan EMI Interest Rate 2021

<p>If you are planning to borrow a sum of Rs.25 Lakhs towards the purchase, construction or repair of a property, the good news is that there are several banks that you can choose from.</p>

<h2>How to Close ICICI Credit Card? Things You Should be Aware Of</h2><p>Sometimes people realise that maintaining a credit card healthy is quite a difficult task. In such cases, credit cardholders opt for getting their existing cards cancelled or closed so as to meet their financial needs.</p><p>But one must be aware of the fact such decision might affect the credit score as well. Banks like ICICI Bank offers easy steps to their credit cardholders to close or cancel their credit cards.&nbsp;</p><p>Let’s now know the different ways to Close, Cancel or Deactivate ICICI Credit Card.</p><p>Table of Content:-</p><ol><li>Intro</li><li>DIfferent ways to Close, Cancel or Deactivate ICICI Credit Card in 2021</li><li>How to Close ICICI Credit Card?</li><li>How to close ICICI Credit Card temporarily in case of fraudulent activity?</li><li>Things to Keep in Mind While Closing ICICI Credit Card</li><li>Consequences of Closing ICICI Credit Card</li><li>Does a Cancelled or Closed ICICI Credit Card affect your CIBIL Score</li><li>How to Reactivate a Deactivated ICICI Bank Credit Card?</li><li>FAQs</li></ol><h2><strong>DIfferent ways to Close, Cancel or Deactivate ICICI Credit Card</strong></h2><p>Let’s now know how to close credit cards. There are two ways to do the same:</p><ol><li>By contacting customer care:-</li></ol><p>ICICI credit cardholders who have decided to get their credit cards closed or cancelled can do so by calling on customer care number1860 120 7777 (all retail banking customers) 1800 103 8181 (wealth banking customers) 1800 103 8181 (private banking customers) 1860 120 6699 (business, corporate, and retail, institutional banking customers).</p><p>Customers, by sharing the card details as asked on call so as to confirm identity, can raise cancellation requests and can note down the cancellation request number.</p><ol><li>By filling up cancellation form:-</li></ol><p>ICICI credit cardholders who are willing to get their cards cancelled can do so by downloading a cancellation form from the official website of ICICI Bank, i.e. <a href="http://www.infinity.icicibank.co.in.">www.infinity.icicibank.co.in.</a> In this form, you would be required to fill in details like the credit card number which you need to get closed, the reason for its cancellation, your city, your registered mobile number and e-mail id, add on a card, if any. This form can also be filled up and submitted online.&nbsp;</p><p>Once the cancellation request is generated, the cardholder will get a call from the bank's representative to confirm the closure of the card. The request would be processed within 7 business days after the confirmation received from the cardholder.</p><p>Also, this form can be downloaded online, filled and then can be sent to ICICI Bank Limited, Race Course Circle, Vadodara-390007 or ICICI Bank Towers, Bandra-Kurla Complex, Mumbai-400051.</p><h2><strong>How to Close ICICI Credit Card?</strong></h2><p>Below mentioned are the two ways to get your ICICI Credit card closed:-</p><ol><li>By calling customer care centre:</li></ol><p>Cardholders can initiate a request to cancel or close their credit card by calling on their toll-free numbers, which are as mentioned below:</p><p>For all Retail banking customers- 1860 120 7777&nbsp;</p><p>For all Wealth Banking customers- 1800 103 8181</p><p>For all Private banking customers- 1800 103 8181&nbsp;&nbsp;&nbsp;</p><p>For all business, corporate, and retail, institutional banking customers- 1860 120 6699</p><ol><li>Cancellation Form:</li></ol><p>Following are the steps or process on how to close an ICICI Credit card by filling cancellation form:</p><p>Step 1: Visit the ICICI Bank's official website, i.e. <a href="http://www.infinity.icicibank.co.in.">www.infinity.icicibank.co.in.</a></p><p>Step 2: Download the cancellation form.</p><p>Step 3: Fill in the details like credit card number, the reason for its cancellation, your city, your registered mobile number and e-mail id, add on a card, if any.</p><p>Step 4:&nbsp; After filling it, send it to ICICI Bank Limited, Race Course Circle, Vadodara-390007 or ICICI Bank Towers, Bandra-Kurla Complex, Mumbai-400051.</p><p>Step 5: The cardholder will get a call from the bank's representative to confirm its closure.&nbsp;</p><p>Step 6: The request would be processed within 7 business days after the confirmation is received.</p><h2><strong>Things to Keep in Mind While Closing ICICI Credit Card</strong></h2><p>ICICI Bank allows their existing credit cardholders to cancel or close the same easily at their own will. But one should keep in mind the below-mentioned points before closing their credit card:</p><ol><li><strong>Clearance of outstanding dues:</strong>&nbsp;Before the request for closure or cancellation of a credit card is raised by the credit cardholder, it shall be confirmed that all the outstanding dues are cleared. Also, if there stands outstanding EMI’s, the same should also be settled by the cardholder.&nbsp;</li></ol><p>If the outstanding dues are not cleared, the bank will not take up the request for the cancellation of the credit card. Hence the account will stand active, and the cardholder would continue getting reminders from the bank to pay the same.</p><ol><li><strong>Redemption of reward points before the closure of credit cards:</strong>&nbsp;Banks often advise credit cardholders to utilise the unredeemed reward points before&nbsp;<a href="https://www.bankbazaar.com/credit-card/how-to-close-credit-card.html">closing or cancelling, or deactivating their credit card</a>.&nbsp;</li></ol><p>Redemption of reward points can be done in order to bag products from the bank's exclusive catalogue. Alternatively, credit cardholders can also redeem these reward points to get discounts on purchases made of goods and services from various merchants across the country.</p><ol><li><strong>The card should not be used before closure:</strong>&nbsp;Credit cardholders should make sure that they do not use their card just before the initiation of the process of cancellation of a credit card so as to make the process faster and convenient. This will lead to the creation of a new set of dues. Also, the bank will not start the process of cancellation until the cardholder pays off a fresh set of dues.</li><li><strong>Check for fraudulent transactions before cancellation:</strong>&nbsp;The credit cardholders are advised to check their&nbsp;<a href="https://www.bankbazaar.com/credit-card/credit-card-statement.html">latest credit card statement</a>&nbsp;so as to make sure that they have not fallen prey to any fraudulent transaction which could have gone unnoticed.</li></ol><p>Hence, before initiating a cancellation process, cardholders should always check the number of transactions that they have made, the amount paid for each one of them, and the date on which payment has been made, as this would help in avoidance of any charges that could be raised for the transactions which they have not made.</p><h2><strong>Consequences of Closing ICICI Credit Card</strong></h2><p>The consequences of closing or deactivating the credit card are majorly it has on its credit score. Let's know what effect it has :</p><ol><li>Credit History: Closing the credit card will reduce the average credit history, which in turn will further reduce the credit score.</li><li>Increased Credit Utilisation Ratio – Effect on the customers who close or deactivate their credit card is that it reduces the overall credit limit they are having. Which in turn increases the credit utilisation ratio (ratio between the credit limit and credit utilisation). The higher the credit utilisation ratio, the lower the credit score.</li></ol><p><strong>Does a Cancelled or Closed ICICI Credit Card affect your CIBIL score?</strong></p><p>The answer to the question is Yes, but only if the credit cardholder uses more than one credit card. As explained above, cancellation of one of the credit cards would result in a reduction of the overall credit limit but simultaneously an increase in the utilisation of credit limit. So, in this way, cancellation or closure of credit cards would adversely affect CIBIL score.</p><p>However, if a cardholder only has an ICICI credit card, that might not affect the CIBIL score adversely, but it will also not make a positive difference to the same.&nbsp;</p><p>In case where the only choice for a cardholder to have a healthy credit score is of opting for a card, their financial experts recommend them not to cancel or close their credit card and also maintaining it appropriately.</p><h2>How to Reactivate a Deactivated ICICI Bank Credit Card?</h2><p>Applicants can reactivate their deactivated ICICI Bank credit card just by calling the toll-free customer care number, i.e. 1800-200-8181. They would be asked for completing some documentation and authentication formalities before the re-issuance of the closed credit card.</p><h3><strong>FAQs</strong></h3><h4><strong>✅</strong>Is it important to provide the registered E-mail ID and phone number while filling up the form of cancellation of credit card?</h4><p>Yes, it is necessary to provide the same so as to process the credit card cancellation.</p><h4><strong>✅</strong>While calling customer care, will I be asked for my account details?</h4><p>No, you will not be asked for such details.</p><h4><strong>✅</strong>How can I close a credit card account permanently?</h4><p>Below mentioned are the steps for cancelling the ICICI credit card permanently:</p><p>Step 1: Pay all the outstanding dues, if any. Pay it off in full before cancelling it.</p><p>Step 2: Redeem all the reward points, if any.</p><p>Step 3: Contact the bank's customer care centre.</p><p>Step 4: Send the duly filled in form to ICICI Bank Limited, Race Course Circle, Vadodara-390007 or ICICI Bank Towers, Bandra-Kurla Complex, Mumbai-400051.</p><p>Step 5: Check credit report for credit score.</p><p>Step 6: Then, destroy the old card completely.</p><h4><strong>✅</strong> How can a credit card be cancelled without having an effect on the credit score?</h4><ol><li>Evaluate the timing and impact on the credit.&nbsp;</li><li>Pay off the Balance. ...</li><li>Remember to get all reward points redeemed.</li><li>Contact Your Bank's customer care centre to get the card cancelled.</li><li>They will try to convince for not to close the card by giving offers, so don't Accept Their Offers.&nbsp;</li><li>Write a Letter for Your Records.&nbsp;</li><li>Check Your credit history or Credit Report to make sure the credit card account is closed.</li></ol>

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How to Close ICICI Credit Card - Know how to Close or Cancel ICICI Credit Card Online. Check Email, Letter to Close & Helpline Number for Closing.

How to Close ICICI Credit Card? Things You Should be Aware Of

<p>How to Close ICICI Credit Card - Know how to Close or Cancel ICICI Credit Card Online. Check Email, Letter to Close &amp; Helpline Number for Closing.</p>

<h2><strong>Best Mutual Funds to Invest in 2021</strong></h2><p>When it comes to investing, irrespective of your age, profession, gender, and other details, investing in mutual funds can always be one of the best options for you. It is of utmost importance in today's world to find some of the best mutual funds to invest<strong> </strong>in order to secure your future in the country.</p><p>If you are someone who is confused about the entire process or have already figured out some of it, here is all you need to know about how to find the best mutual funds in 2021 in India and why you should invest in one now.</p><h2><strong>Best Mutual Funds in 2021</strong></h2><p>No matter whether you are intending to invest for a short-term or long-term period, investing in mutual funds is always a good idea in today's world. Here are some of the best options that you can take into consideration if you intend to invest in mutual funds.</p><figure class="table"><table><tbody><tr><td><strong>Large Cap Fund</strong></td><td><strong>NAV</strong></td><td><strong>One Year Return</strong></td><td><strong>Crisil Rank</strong></td></tr><tr><td>JM Large Cap Fund (G)</td><td>89.78</td><td>29.6%</td><td>1</td></tr><tr><td>CR Bluechip Equity Fund(G)</td><td>38.34</td><td>44.2%</td><td>1</td></tr><tr><td>Axis Bluechip Fund (G)</td><td>42.5</td><td>46.5%</td><td>1</td></tr></tbody></table></figure><figure class="table"><table><tbody><tr><td><strong>Multi Cap Fund&nbsp; &nbsp;&nbsp;</strong></td><td><strong>NAV</strong></td><td><strong>One Year Return</strong></td><td><strong>Crisil Rank</strong></td></tr><tr><td>Canara Robeco Flexi Cap Fund</td><td>220.26</td><td>51.1%</td><td>1</td></tr><tr><td>JM Flexi Cap Fund</td><td>49.98</td><td>50.2%</td><td>1</td></tr><tr><td>UTI Flexi Cap Fund</td><td>248.26</td><td>66.2%</td><td>1</td></tr></tbody></table></figure><h2><strong>Best Tax Saver Mutual Funds (ELSS) in 2021</strong></h2><p>Equity-linked saving schemes, also known as ELSS, refer to tax saving mutual funds in India. According to the SEBI terms, ELSS funds are supposed to invest at least 80% in equity of their corpus in related instruments.</p><p>If you are looking for some of the best mutual funds to invest in 2021, ELSS mutual funds are a must for you to consider in 2021.</p><p>The ELSS funds come with a lock-in period of 3 years, and tax deduction policies are applied to these schemes under section 80 C.</p><p>The primary reason for investing in ELSS funds should be the higher returns that are guaranteed in these schemes in India. Although the equities can be tricky when it comes to short-term tenure periods, they usually offer higher returns for long-term periods to the customers.</p><p>The best ELSS funds that you can find in India are mentioned below for your reference.</p><figure class="table"><table><tbody><tr><td><strong>ELSS Fund</strong></td><td><strong>NAV</strong></td><td><strong>One Year Return</strong></td><td><strong>Ciril Rank</strong></td></tr><tr><td>Axis Long Term Equity Direct Fund</td><td>74.29</td><td>55.0%</td><td>1</td></tr><tr><td>BOI AXA Tax Advantage</td><td>104.42</td><td>70.5%</td><td>1</td></tr><tr><td>CR Equity Tax Saver Fund</td><td>113.37</td><td>58.3%</td><td>1</td></tr></tbody></table></figure><h2><strong>How to Choose Best Mutual Funds in India?</strong></h2><p>Choosing the perfect mutual fund for your position can be tricky when it comes to long-term period investments. However, if you want to invest in 2021, the first and foremost step that you should take is to find the best mutual fund to invest now.</p><p>Finding the Best mutual fund can help you achieve your future goals quickly. Making mistakes while choosing the proper mutual fund can lead to many disasters in your investment journey.&nbsp;</p><p>Some points that you should remember while shortlisting mutual funds are listed below:</p><ol><li>It would be best if you always avoided the rating map while finding the best mutual funds to invest in<strong> </strong>2021.</li><li>Take your time to identify and analyse your demands and future goals and understand your risk profile before investing in mutual funds in India.</li><li>Analyse the consistency of performance before making investments in any mutual funds In the current scenario.</li><li>Take a look at the AUM of the fund before you invest in it for security purposes.</li><li>You need to know what's best for you and what suits your demands the best in the current scenario before investing in any mutual fund. Try and understand how much time you have for investing before you will need the entire amount.</li></ol><p>Therefore, the foremost step for you would be to compare different plans and schemes of your contemporary time and then go for what suits your demands the best in 2021.</p><h2><strong>How to Invest in Best Mutual Funds?</strong></h2><p>Several factors need to be considered when it comes to investing in the best mutual funds. Some of these are given below. Keep these in mind before investing in any fund in India in 2021.</p><ul><li>The first and foremost step that you should follow in order to invest in the best mutual funds in India is to compare the current interest rates and other details of the mutual funds to finally find some of the best mutual funds to invest in India. You should take a look at the quality of securities while selecting the best mutual fund for SIP or lump sum for a long period of investment for your future.</li><li>Analyse and understand all the risk parameters associated with mutual funds investments before actually investing in one.</li><li>Mutual funds tend to have good exposure in equity and the likely instruments. Analyse the risk level that is associated with the particular fund you intend to invest in.</li><li>The important ratios that you should keep in mind while selecting some of the best mutual funds to<strong> </strong>invest in 2021 are alpha, beta, Sortino, capture ratio, standard deviation, and Sharpe.</li><li>Always keep in mind the amount of time you intend to invest for before you want the entire money. How much money you need to achieve the goal, how many years it might take, what is the interest rate that you are getting from the scheme, or some of the major things that you should consider if you want to invest in some of the best mutual funds In India.</li></ul><h2><strong>Why should you Invest in Best Mutual Funds?</strong></h2><p>There are several reasons that you should consider if you are wondering whether or not you should invest in mutual funds in India in 2021. Finding the best mutual funds to invest in 2021 India can be tricky.&nbsp;</p><p>However, it is of utmost importance to understand why exactly you should go for investing in mutual funds in today's scenario:</p><ol><li>You have the option to invest in a lump sum or through a SIP. The flexibility that comes with investing in mutual funds is unparalleled when it comes to the investment field. You can either go for making lump-sum investments, or you also have the choice to invest in small amounts over some time through a systematic investment plan.</li><li>The SIP can be as little as Rs.500 a month. This is one of the major options that make mutual funds feasible for most of the population of our country.</li><li>One of the other benefits that you can enjoy if you decide to invest in mutual funds is the fact that you can save income tax. For instance, if you invest in an ELSS fund, you can reduce your taxable income by around 1.50,00,00 according to the income tax act 80C invented in 1961.</li><li>When you find the best mutual funds to invest in 2020 and 2021, you become eligible to get a variety of shares or fixed income instruments. For instance, if you decide to invest in stocks in India, you probably get one or two shares. On the other hand, if you invest in a mutual fund, you can buy several stocks at the same time after investing the same amount you would invest in a stock.</li><li>There are a plethora of active schemes available in the country. Therefore, a lot of options are there for you to choose what kind of scheme you want to follow for your future investments. Analyse your future goals and the time you are willing to invest for and then go for the proper scheme that suits your demands well.</li></ol><h2><strong>Benefits of Investing in Mutual Funds</strong></h2><p>There are several benefits that you can enjoy by investing in mutual funds in India in 2021. Finding some of the<strong> </strong>best mutual funds to invest in 2021 is the first step that you should follow to enjoy the benefits. Here are some significant advantages of investing in mutual funds:</p><ol><li>There are several mutual fund options available in the country in today's world. By analysing your goals, needs, and requirements properly, she will be able to find some of the best mutual funds to invest in according to your needs. No matter how many years you're willing to invest for, what your future goals are, and what background you are from, there is always an option for you when it comes to investing in mutual funds.</li><li>If you invest in an open-ended mutual fund, you can enjoy the benefit of buying and selling your units at any time. Understand the fund's net asset value (NAV) to analyse your total buyable and redeemable value.</li><li>Whether you want to make a lump-sum investment or make investments in instalments over the entire period, there are a plethora of options available for you to choose from. The minimum SIP goes as low as Rs. 500 a month which makes it feasible for all people, irrespective of their profession, to invest in mutual funds in India.</li><li>Investing in mutual funds is cost-efficient. If you go for buying equity directly, you will have to pay brokerage, securities transaction tax, and other costs, which will be a huge amount at the end of the day. However, if you manage to find some of the best mutual funds to invest in, the entire procedure will be more cost-efficient.</li><li>Another major advantage that you can enjoy if you intend to invest in mutual funds in India is that you have the option to save income tax. It is one of the facts that make investing in mutual funds one of the most visible options in India in today's world.</li></ol><h3><strong>FAQs</strong></h3><h4><strong>✅1. What are the different types of mutual funds to invest in in India?</strong></h4><p>Ans: The different types are stock funds, money market funds, bond funds, and target-date funds.</p><h4><strong>✅2. Which type of mutual fund is the safest to invest in 2021?</strong></h4><p>Ans: DSP Government Securities Fund, IDFC Government Securities Fund, ICICI Funds are some of the safest options.</p><h4><strong>✅3. Which is better: mutual fund or FD?</strong></h4><p>Ans: If you are risk-averse, investing in fixed deposits will be the better option for you. Mutual funds come with certain interest risks.</p><h4><strong>✅4. What is the lowest amount that I can invest in mutual funds in India?</strong></h4><p>Ans: It is allowed for you to invest as low as Rs.500 in mutual funds in the country.</p>

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Mutual funds are created to make investing easy, so the newbies can invest in mutual funds without taking the risk of investing in Individual stocks. Read the article & find the best mutual funds to invest in 2021.

Best Mutual Funds to Invest in 2021 - MyMoneyMantra


<p>Mutual funds are created to make investing easy, so the newbies can invest in mutual funds without taking the risk of investing in Individual stocks. Read the article &amp; find the best mutual funds to invest in 2021.</p>

<p>A loan against property or LAP permits the owner to leverage their property/land for raising funds to mitigate their personal or business requirement without actually losing out on the ownership of their property. As they are secured in nature, loan against property interest rate is lower than other unsecured credit options, and lenders often take a less stringent analysis towards credit score while assessing the borrower’s creditworthiness. But this ease of approval usually makes many of the borrowers avoid some vital facets.&nbsp;</p><p>Here, first, we will discuss certain crucial aspects that applicants generally avoid when applying for a loan against property. Next, we will discuss the present&nbsp;loan against property interest rate, which bank is best for loan against property, eligibility criteria regarding LAP, documents required, and why using the LAP EMI calculator is crucial before opting for this credit option.&nbsp;</p><h2><strong>Crucial aspects usually avoided by a loan against property applicants:&nbsp;</strong></h2><h4><strong>&nbsp;Avoiding comparing rate of interest of different lenders&nbsp;</strong></h4><p><strong>&nbsp;</strong>Loan against property interest rate<strong> </strong>ranges anywhere between 8.20% and 14.50 % based on the lender's evaluation of their credit risk concerning the applicant’s credit profile. The interest rate of LAP may even vary basis the loan amount and the loan repayment tenure that the borrower opts for. Thus, the ones planning to take up LAP must first compare LAP offers from multiple lenders. They must start their hunt for LAP by first visiting the bank/HFC with whom they already share an existing customer relationship. After this, they must visit the online financial markets for comparing LAP offers being provided by various other lenders. The final application for LAP must be with the bank/HFC that is charging you the lowest rate of interest for optimal loan amount and loan repayment tenure.&nbsp;</p><h4><strong>&nbsp;Avoiding to factor in the processing charges and prepayment fees</strong></h4><p><strong>&nbsp;</strong>Apart from loan against property interest rate, processing fees charged by a lender is the next crucial factor to be considered. Processing charges that are charged by maximum LAP lenders generally range from 1 % to 2 % of the loan amount. As this credit option involves a big-ticket loan amount, their processing fee too may be of a sizable amount. Hence the LAP applicants should always ensure to factor in their processing charges before making the final application with a specific lender.&nbsp;</p><p>&nbsp;According to the guidelines set by RBI, LAP taken upon floating rates come with no prepayment charges. But lenders who provide LAP on fixed rates might charge prepayment or foreclosure fees. As opting for the prepayment route when fixed-rate LAP is concerned can cost a huge amount, always consider opting for floating rate LAP. Doing this may enable you to opt for a prepayment option without having to pay any charges in the form of prepayment fees.&nbsp;</p><h4><strong>Not selecting loan repayment tenure based on repayment capacity.</strong></h4><p>&nbsp;The loan repayment tenure of any credit option plays an important role in deciding the loan EMI and complete interest cost. Higher loan repayment tenures may lead to reduced EMIs but result in increased interest costs. The opposite stands true in the case of loans available at shorter repayment tenures. As LAP repayment tenure can go as high as 15 or 20 years on the basis of the lender, one should choose the LAP repayment tenure based on their repayment capacity. Choose shorter loan repayment tenures just if you are completely sure of meeting your EMIs timely without any requirement to compromise on your monthly contributions towards important financial goals. The ones who cannot just stick with longer loan tenure to repay lower EMIs as failure to meet timely EMIs can lead to steep penal charges, which in turn negatively affects their credit scores as well as their loan and credit card eligibility prospects. Those borrowers choosing longer repayment tenures have always the option open to lower their interest cost by opting for prepayments whenever they avail surplus funds.&nbsp;</p><h4><strong>Failing to factor in the disbursal time at the time of availing loan</strong></h4><p>&nbsp;LAPs disbursal generally takes near to two to three weeks because the lenders require verifying all your property documents as well as conducting technical study when evaluating the property’s market value before accepting the LAP application. Hence, LAP may not be the right match for the ones with instant fund requirements. These applicants must, instead of opting for LAP, must consider opting for a personal loan or any other credit option with a shorter disbursal time.&nbsp;</p><h4><strong>Ignoring to factor in LAP’s EMI into an emergency fund</strong></h4><p>&nbsp;Financial exigencies like job loss, illness, accident etc., are uncertain in nature and can occur anytime, which can hamper your income, cash flows and also your capacity to meet loan EMIs. Though one can always rely on their existing investments for repayment of their loan EMIs, doing this can negatively hamper their financial health for the long term. To meet such risk arising owing to unexpected emergencies, borrowers must also ensure to consider their existing EMIs into their contingency fund. Note that a contingency fund must be adequate enough to mitigate your unavoidable expenditures for nearly 6 months or even more. Thus, when you begin with your plan for LAP, ensure to simultaneously increase your emergency fund by around 6 times the expected LAP’s EMI. As financial emergencies can occur anytime, remember to park your money in financial instruments which are liquid in nature, such as bank fixed deposits and high yield savings bank account.&nbsp;</p><h2><strong>Best Loan Against Property Interest Rates</strong></h2><p><strong>&nbsp;</strong>A loan against property or LAP is even addressed by the term mortgage loans. They have secured credit options wherein borrowers require pledging their property, either commercial or residential, as security or collateral. The current&nbsp;loan against property interest rate&nbsp;may range anywhere between 8.20% p.a. and 14.50% p.a, and the loan repayment tenures can go up to 20 years.&nbsp;</p><h2><strong>Which Bank is Best for Loan Against Property in India?</strong></h2><p>The question ‘which bank is best for loan against property’ must be one of the initial questions of applicants looking for a loan against property from a suitable lender. Presently, banks offering loans against a property interest rate&nbsp;of below 9 % p.a include Bank of Baroda (BoB), Union Bank of India, Bank of Maharashtra, HDFC Bank and State Bank of India.&nbsp;</p><p>Below with the help of a loan against property interest rate&nbsp;table, we have illustrated ‘which bank is best for loan against property.&nbsp;</p><figure class="table"><table><tbody><tr><td colspan="5"><strong>Loan Against Property interest Rate&nbsp;&amp; Charges</strong></td></tr><tr><td>Lender</td><td>Rate of interest (%) P.A</td><td>Processing charges (% of the loan amount)</td><td>Loan amount (Rs)</td><td>Maximum loan repayment tenure</td></tr><tr><td>Bank of Baroda</td><td>8.20 - 13.85</td><td>1 % (Maximum 1.50 lakh)</td><td>Up to 10 crore</td><td>15 years</td></tr><tr><td>Union Bank of India</td><td>8.40 - 10.65</td><td>1 % (Rs 5,000 - Rs 1 lakh)&nbsp;</td><td>5 lakh - 10 crore</td><td>15 years</td></tr><tr><td>Bank of Maharashtra</td><td>8.55 - 9.55</td><td>1 %</td><td>Up to 5 crore</td><td>15 years</td></tr><tr><td>HDFC Ltd.&nbsp;</td><td>8.75 - 11.55</td><td>Up to 1.5 % (Minimum : Rs 4,500)</td><td>Differs for existing &amp; new customers*</td><td>15 years</td></tr><tr><td>State Bank of India</td><td>8.80 - 9.65</td><td>1 % (Maximum Rs 50,000)</td><td>Up to 7.5 crore</td><td>15 years</td></tr><tr><td>Karur Vysya Bank</td><td>9.00 - 12.00</td><td>0.50 %</td><td>10 lakh - 3 crore</td><td>100 months</td></tr><tr><td>PNB Housing</td><td>9.50 - 11.00</td><td>2 %</td><td>Up to 60 % of the market value of property&nbsp;</td><td>20 years</td></tr><tr><td>Canara Bank</td><td>9.95 - 12.00</td><td>0.50 &nbsp;%(Minimum Rs 5,000)</td><td>Up to 10 crore</td><td>10 years</td></tr><tr><td>Federal Bank</td><td>10.10 onwards</td><td>1 % (Minimum Rs 3,000)&nbsp;</td><td>Up to 5 crore</td><td>15 years</td></tr><tr><td>Tata Capital</td><td>10.10 onwards</td><td>Up to 2 %</td><td>10 lakh - 3 crore</td><td>15 years</td></tr><tr><td>Bajaj Finserv</td><td>10.10 - 14.50</td><td>Up to 6 %</td><td>Up to 3.5 crore</td><td>20 years</td></tr><tr><td>Indian Bank</td><td>10.50 - 10.65</td><td>1 %</td><td>Up to 5 crore</td><td>15 years</td></tr><tr><td colspan="5">* *Existing customers: Up to 60% of property's market value (The principal outstanding on all existing loans and the LAP being availed should not cumulatively exceed 60% of the Market Value of mortgaged property). For New customers: Generally up to 50% of property's market value.&nbsp;</td></tr><tr><td colspan="5">Data as of 30th&nbsp;July 2021</td></tr></tbody></table></figure><h2><strong>Eligibility Criteria</strong></h2><p>&nbsp;Whenever a customer submits an application for LAP, financial lenders consider the applicant’s eligibility. A few of the factors that are considered for checking the eligibility of the LAP applicant are the applicant’s age, income, nature of employment, property’s value etc. Based on such factors, financial lenders either reject or approve the applicant’s LAP application.&nbsp;</p><h4><strong>Documents Required</strong></h4><p>Below, we have provided some of the main documents that the lenders ask for before processing the applicant’s LAP application:</p><ul><li><strong>Identity proof:</strong> Aadhaar card, passport, PAN etc.</li><li>Form 16</li><li>Address proof - Driving license, aadhaar card, voter ID etc.</li><li>Bank statement</li><li>IT returns certificate</li><li>Income proof document</li><li>Salary slip</li><li><strong>Property document </strong>- registration certificate, sales deed, building plan, property tax receipt, building plan approved by Municipal Corporation etc.</li></ul><h2><strong>Loan against Property EMI Calculator</strong></h2><p>For planning one’s finances in advance, applicants must take the help of the LAP EMI calculator for knowing how much they should set aside per month for repaying the EMI. LAP EMI factors in parameters like loan amount availed, applicable&nbsp;loan against property interest rate&nbsp;and the loan repayment tenure.</p><p>&nbsp;For instance, suppose Mr X availed a LAP of 45 lakh for a loan repayment tenure of 10 years with a rate of interest of 9% p.a. Considering the principal amount and&nbsp;loan against property interest rate divided by the loan repayment tenure, Mr X will require repaying a LAP EMI of Rs 57,004 with total interest payable being Rs 23,40,509 and total payment summing to Rs 68,40,509. &nbsp;</p><h3><strong>FAQs</strong></h3><h4><strong>✅Which bank is good for loan against property?&nbsp;</strong></h4><p><strong>&nbsp;</strong>Loan against property interest rate&nbsp;of below 10 % p.a is offered by Bank of Baroda, Union Bank of India (UBI), Bank of Maharashtra, HDFC Ltd, State Bank of India, Karur Vysya Bank, PNB Housing and Canara Bank.&nbsp;</p><h4><strong>✅How much loan can I get against the property?&nbsp;</strong></h4><p>&nbsp;The highest loan amount that you can get against your property can go up to Rs 10 crore. Lenders offering maximum Rs 10 crore loan amount on LAP are Bank of Baroda, Union Bank of India and Canara Bank.</p><h4><strong>✅Is a loan against property a good idea?&nbsp;</strong></h4><p>Yes, a loan against property is a good idea for those in need of big-ticket funds to meet their financial emergencies or monetary shortfalls. Owing to its secured nature, LAP lenders usually may avoid the requirement of factoring in the credit score of the loan applicant when evaluating his/her application. Thus, it may be the best choice for those with security in the form of the property but lacking a good credit score of 750 and above. Moreover, like a personal loan or loan against credit cards, the loan proceeds of LAP can be used for any specific purpose like funding a child’s higher education or marriage, renovating or improving a home, medical expenses etc. However, note that as this credit option’s processing time may take nearly 2 to 3 weeks, those in instant need of funds may not find it to be an appropriate loan option. Such individuals may opt for other credit options like instant personal loans or loans against credit cards to meet their instant fund requirements or mismatches.</p><h4><strong>✅What is the procedure for a loan against property?&nbsp;</strong></h4><p>One of the initial procedures involved before zeroing on any LAP lender is to compare among various LAP lenders on the basis of<strong>&nbsp;</strong>loan against property interest rate, processing fee, offered loan repayment tenure etc. The comparison procedure can be carried out by approaching online lending marketplaces. Note that the final application should be with the lender charging the lowest rate and charges for an optimal loan tenure and LAP amount.</p><h4><strong>✅How long does it take to avail a loan against property?&nbsp;</strong></h4><p>Processing of loan against property usually takes a period of 2 to 3 weeks. Thus, those in instant need of funds in case of financial emergencies may not find a loan against property a suitable option. Such individuals can opt for a loan against credit card or personal loans as such credit options come with shorter processing time.</p>

Best Loan Against Property Interest Rates in india

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Looking for a loan against property at attractive rates? Compare loans against properties offered by different banks and pick the one that suits your requirement.

Best Loan Against Property Interest Rates in India 2021 - MyMoneyMantra

<p>Loan against property interest rate which bank is best for loan against property</p>

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