Nitin Bhatia

How to Avoid LOSS in Stock Market?

Investing in the stock market carries inherent risks, and it is impossible to completely eliminate the possibility of losses. However, there are strategies you can employ to minimize the risk and potentially increase your chances of success. Here are some tips to consider: Educate yourself: Gain a solid understanding of how the stock market works, including basic financial concepts, investment strategies, and company analysis. This knowledge will help you make informed decisions. Diversify your portfolio: Don't put all your eggs in one basket. Diversification involves investing in ... Read More

Smart way to increase CIBIL Score – Avail Personal Loan

The biggest dilemma for a person with ZERO credit history is how to increase CIBIL Score? The banks and financial institutions are not willing to approve a loan to high risk borrowers including loan applicants with zero credit history. It's a classic situation faced by a fresher seeking first. Companies are not willing to hire a fresher, however, if they will not get the opportunity to work in a corporate then how they will gain experience. Similarly, if the person with zero credit history will not get a loan then how they will build and improve their credit score. The good news is that now ... Read More

Benefit of Filing Tax Return When Below Taxable Limit

As we journey through life, there are many things we are required to do, that we often find ourselves, asking “What is the point?”, without understanding the possible future benefits.  Your annual earnings, especially if below the taxable limit or NIL, may have you considering not filing your tax return.  However, filing your annual tax return is not just for informing the Income Tax Department of your earnings and taxes paid, it has other benefits that you will not realize, till you face the situation in the future and have you regretting your decision to not file your tax return.  Let’s look ... Read More

5 Biggest Investment Lessons to Master This Year

Reviewing or balancing your investments is a smart practice at the start of every new financial year. This ensures that your money works as hard as you, and earns returns that will help you achieve personal goals, such as getting one step closer to retirement or buying an asset. Right from popular term deposits, time deposits, and market-linked savings to investing in gold, currencies, etc., the list of investment options available to you is long. So, rather than basing your investment choices on pre-conceived notions or hearsay,adopt an updated and organised method to choose the most ... Read More

Three New Types of Indirect Discounts Offered To The Property Buyers

A couple of good news for the property buyers.  First one is that the home loan interest rates are at rock bottom. It helps to increase the home loan eligibility of a property buyer thus increasing affordability. The second one is that in the recent past, I observed that builders have started offering indirect discounts to the property buyers. In my previous post, I shared how the builders are controlling/managing the rates in Primary Market Rates. The indirect discount is the 2nd step if the builders fail to attract buyers i.e. not able to control or manage the property prices. The next ... Read More