Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched by our Prime Minister Sh. Narendra Modi on Aug 28, 2014. The key objective of this scheme is Financial Inclusion i.e. to provide banking & financial services in affordable manner. Though we all know primary benefits of Pradhan Mantri Jan Dhan Yojana but lets discuss key inclusions and exclusions of Pradhan Mantri Jan Dhan Yojana for the benefit of readers. Highlights of Pradhan Mantri Jan Dhan Yojana (a) Life insurance cover of Rs 30,000 (Applicable only if savings account is opened between Aug 15, 2014 and Jan 26, 2015) (b) ... Read More
How to find Expiry Date of LPG Cylinder?
LPG Cylinder is integral part of our lives. In last 20 years, i have seen tremendous changes in technology and lifestyle. Many things of past have become obsolete in our lives which are replaced by new set of technological advanced options. One product which survived this mayhem is LPG Cylinder. Only change on LPG Cylinder front is reduced waiting period. When i was Kid, waiting period of LPG Cylinder was almost 2 months and Black marketing was very common. Now waiting period is 7-10 days & Black marketing has vanished. I remember we used to book next cylinder immediately after receipt of ... Read More
How to avail Home Loan without CIBIL Score?
Home Loan without CIBIL score is un-imaginable. I receive multiple queries from my clients on How to avail Home Loan without CIBIL Score. In short, Home Loan lender should not check CIBIL Score of a Borrower. I have handled many cases wherein the people are victim of mistaken identity, wrong entries, identity theft, CIBIL Score of -1 i.e. insufficient credit history or no credit history. Dream of owning a house will remain dream for this section. As we know that now it is very difficult to avail Home Loan without CIBIL Score. I am writing this post for the benefit of such potential borrowers ... Read More
Deviation from Approved Layout Plan
Deviation from Approved Layout Plan is major problem in Real Estate sector. Recently one of my client shared Approved Layout Plan of an under-construction property in Mumbai. When i checked the actual layout plan by physically visiting the site, I was shocked. In approved layout plan there was a tar Road on Western side of the approved layout plan. On actual site, Road was on Northern Side of the project. In Short, builder rotated entire project 90 degree right side. Best part was that project was approved by leading Home Loan Providers. The flip side is that this project will never get ... Read More
How to buy a Property without Home Loan?
Buying a Property is quite tedious and cumbersome process in India. Normally its a big hassle to buy a property due to complex legal processes and absence of Real Estate Regulator. Besides this there is no centralized database of housing units in India and due to corruption large no of projects are in legal tangle. Though majority of property transactions are through Home Loan but considerable no of property transactions are executed without Home Loan. In my post on How to buy House with Home Loan i discussed steps relevant to property purchase by availing Home Loan. In this post, we will ... Read More
ULIP – Investment or Insurance?
I am always confused whether to refer ULIP as Investment product or Insurance product. It cannot be attributed to my financial illiteracy. ULIP is a mix of both investment and insurance i.e. Jack of all trades. Till date ULIP has a roller coaster ride. Once it was darling of both buyer and the seller then it was most hated product which no investor wanted to touch. Thanks to IRDA for clearing most of the mess around ULIP. Acche Din of ULIP are back with dream run of stock market since Sep'13. In my opinion, fate of ULIP is linked to performance of stock market. Like Mangoes & Strawberry, ... Read More
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