I must admit that i am a deal / value seeker as i strongly believe that every rupee saved is rupee earned. Recently while going through Offers section in HDFC Net Banking, i came across "Food Fiesta Offers". Under this offer HDFC Bank Credit / Debit / GiftPlus / FoodPlus / MoneyPlus cards customers will get discount of upto 10% - 15% in participating Dining outlets across major cities. This offer is also listed on HDFC Smart Buy website under "Bargains at Shop" and is valid till March 31, 2014. To check the offer CLICK HERE HDFC Smart Buy is an exclusive program for HDFC Bank Customers. HDFC ... Read More
Withdrawal of Pre-2005 Notes : Master Stroke by RBI
Recently RBI said that all the Pre-2005 Notes will be withdrawn from circulation. Though RBI said that the objective of this exercise is to crackdown on counterfeit notes in circulation. RBI will replace Pre-2005 notes with New Currency Notes (With Enhanced Security Features). In my opinion, Crackdown on counterfeit currency in only one of the reason for this move. There is larger motive behind this Master Stroke. Lets understand how In India, till date no study is being done to find out the average life of Paper Currency Note. In response to RTI queries regarding average life of Paper ... Read More
5 Myths about Pre-Approved Project
Pre-Approved Project is another Marketing gimmick from builders to lure buyers. Every third query from Home Loan seeker addressed to me is related to under construction Pre-Approved Project. Almost every related article on Internet highlight the advantages of availing Loan from a lender which has pre-approved project for Home Loan. Pre-Approved Project is nothing but a confirmation that specific Bank / HFC has verified the legal & technical documents of project and found them in order. Any buyer who apply for Home Loan through such Bank / HFC need not to again undergo legal verification ... Read More
All about Gold Loan
Gold Loan always reminded me of a Village Money Lender "Sukhi Lala" in the Indian Classic "Mother India". The entire story of a movie revolve around desperate attempt by a "Dacoit" son to get back 2 Gold Bangles (Sone Ke Kangan) of his mother, mortgaged with Sukhi Lala. From Personal Finance perspective, a classic movie was made on a broad concept of Gold Loan :) Gold Loan is contrary to Indian belief that Gold is another form of Goddess Lakshmi. I have written many posts related to Gold & deep routed love of Indians for Gold. Gold Loan has caught the fancy of Indians who need money at ... Read More
Tax Saving FD
Tax Saving FD (Fixed Deposit) is another popular tax saving scheme for risk averse investors. As financial year is coming to an end and its time for income tax investments therefore based on request from my readers i am writing posts related to income tax savings schemes. This article on Tax Saving FD is third in series as i received 3rd highest queries on this particular tax saving scheme. Prime facie Tax Saving FD looks very lucrative investment option to save Income tax under section 80C but we have to take 360 degree approach. The biggest advantage of Tax Saving FD is its maturity ... Read More
Invest Smartly in Equity Linked Saving Schemes (ELSS)
ELSS or Equity Linked Saving Schemes is one of my favorite Tax Savings Instrument. ELSS is a type of Equity Mutual Fund in which you will get Tax benefits under Section 80C of Income Tax Act. ELSS has shortest lock-in period of just 3 years among all the Tax Saving Schemes. Like other Equity Mutual Funds, ELSS also invest in Stock Market specially in Equity segment. It's a high risk investment because of equity exposure & returns are not fixed like other tax saving schemes. You can invest any amount in ELSS but tax benefit under section 80C can be availed for max amount of Rs 1,00,000 ... Read More
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