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Loan for Pensioners, Finance in India, Types of bank loan #1 #hour #loans


#loans for pensioners
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Loan for Pensioners

Loans are worthwhile when someone is in immediate need of financial assistance. In earlier days senior citizens were usually deprived of regular loans because of their inability to show proof of a regular income. But the scenario has been changed now and banks are taking care of economical independence of retired individuals by offering a unique pension loan.

Pension loans are of two types. Pensioners loan and Mortgage loan for senior citizen. Through Pensioners loan, a senior citizen can take a loan against their Pension, fixed deposits, National Savings Certificates, Kisan Vikas Patras, Life Insurance Polices and RBI Relief Bonds etc where mortgage loan demands collateral in the form of an asset such as a home or land. The maximum age limit of a pensioner to apply for a loan is 70.

The main advantage of this loan is its low interest rate. The maximum amount of loan avail may varies from bank to bank and depends upon individuals repayment capacity. This loan shall be disbursed through Savings Bank A/c other than the account in which your pension is credited every month. Loan prepayment charges and processing fees are free. These loans can be prepaid any time without any penalty.

Documents required for Pension Loans are:

Proof of Identity ie; Passport Copy or Voters ID Card or Driving License etc.

  • Address Proof ie; Ration card, Telephone or Electricity Bill or Passport Copy etc.
  • Last 6 months Bank Statement or Bank Passbook.
  • Proof of Retirement and the organization last worked for, including the Pension Slip.


  • July-2015: Best and Lowest Personal Loan Interest Rates in India #best #loan #deals


    #cheapest loan rates
    #

    July-2015:Best and Lowest Personal Loan Interest Rates in India

    5 Best and Lowest Personal Loan Interest Rates in India ( (Updated: July-2015)

    One of the ways to get a loan for an emergency is taking Personal Loans from Banks and Financial Institutions. With Personal Loan Interest Rates shooting up, everyone would be eager to choose a cheap personal loan interest rate when they are taking the loan. From this month, I would be providing latest personal loan interest rates in India so that a loan seeker can choose best personal loan interest rates.

    Why people choose personal loan?

    While home loan, car loan, etc. are meant for a specific purpose, personal loans on the other hand does not mean for any specific thing. You can take a personal loan for any of your financial obligations like child education, child marriage expenses, payment in advance to home, purchase of plot (where loans are not eligible), home emergencies etc. Banks and Financial Institutions charge very high interest rates on personal loans. Hence, once should be wise in choosing a best personal loan interest rate that suits them.

    Top 5 Best Personal Loan Interest Rates in India

    1) Kotak Bank Personal Loan Scheme

    Kotak Bank offers one of the lowest personal loan interest rates in India.

    • The interest rates range between 14.5% to 15.3%, depending on which company an employee is working.
    • The processing fees charged is up to 1.5%. Kotak Bank offers 0% processing fee for MNC/large companies for a limited period of time.
    • Zero charges for pre-payment of a personal loan
    • You can pay up to 25% of loan in any financial year as part-payment
    • Loan approvals within 24 hours after documentation is provided
    • Special personal loan interest rates for Govt employees and professionals like Doctors.

    2) Indus Ind Bank Personal Loan Scheme

    Indus Ind bank offers personal loan at attractive interest rates.

    • The interest rates range between 13% to 16.5%, depending on where the employee is working
    • The processing fees charged is up to 2% of the loan amount.
    • Loan approvals between 2-7 working days after documents are provided

    3) Bank of Baroda Personal loan

    Bank of Baroda offers personal loans with several benefits.

    • The interest rates are 14.75% for all employees and business individuals.
    • The processing fees charged is Nil.
    • Zero pre-payment closure charges.
    • Loan approvals between 2-5 working days after documents are provided

    4) Bank of India Star Personal loan Scheme

    Bank of India offers personal loans with some additional concessions to women.

    • The interest rates are 15%.
    • Special interest rate concession of 0.5% for women.
    • The processing fees charged is up to 2% of the loan amount.
    • Zero pre-payment closure charges.
    • Loan approvals between 2-5 working days after documents are provided

    5) Canara Bank Personal loan Scheme

    Canara Bank offers cheapest personal loan interest rates and lowest processing fees.

    • The interest rates are 15%.
    • The processing fees charged is up to 0.3% of the loan amount.
    • Loan approvals within 24 hours after documents are provided.

    Latest Personal Loan Interest rates in India with processing charges are enclosed below (Updated: July-2015)

    If you enjoyed this article, share this with your friends and colleagues through Facebook and Twitter.

    Suresh

    Best and Lowest Personal Loan Interest Rates in India


    Home Loan EMI Calculator, Housing Loan Calculator India – ICICI Bank #student #loans #interest #rates


    #home loan calculator india
    #

    Home Loan EMI Calculator

    Calculate Home Loan EMI

    With lower EMIs, ICICI Bank Home Loans are light on your wallet. Lower interest rate and repayment tenure of up to 30 years ensure a comfortable EMI for you during the entire loan tenure. You can estimate your EMI by using our feature rich Home Loan EMI Calculator.

    To reduce the EMI burden of a home loan that you have already taken from another bank or Non-Banking Financial Company (NBFC), apply here for balance transfer and save money.

    Opting for auto-debit facility on ICICI Bank Savings Account for paying ICICI Bank Home Loan EMI, earns you reward points that can be redeemed against exciting rewards from our partners.

    Calculate EMI

    What is Home Loan EMI?

    EMI is the abbreviation for Equated Monthly Installment. Home Loan EMI is the monthly repayment that borrower should make to repay the home loan as per amortisation schedule.

    What is Home Loan Amortisation Schedule?

    Home Loan Amortisation Schedule is the table, which details the following

    • Outstanding Balance before payment of each EMI
    • EMI
    • Contribution towards principal repayment
    • Contribution towards interest payment
    • Outstanding balance after payment of each EMI

    How is the borrowed amount and interest due paid through EMIs?

    Each EMI repays a part of principal i.e. the borrowed amount and the interest due on the borrowed amount. The proportion of each EMI utilised for repayment of principal and interest, however, varies over time.

    Banks and financial institutions, in general, calculate EMI through a common mathematical formula. Thus, for a given loan amount, tenure and interest rate, the EMI calculated and the amortisation schedule offered by banks and Non-Banking Financial Companies (NBFCs) will typically be similar. This means that pattern of reduction of principal amount through payment of each EMI will typically follow similar trend across all financial institutions.

    It is a well-known fact that the initial EMIs contribute more towards payment of interest due as compared to the principal amount. However, during the tenure of the loan, subsequent EMIs contribute more towards repayment of principal amount as compared to previous EMIs.

    What is the benefit of calculating EMI?

    Since EMI is the fixed amount that you will need to pay to the bank towards repayment of your Loan, calculating the EMI helps you to plan your monthly budget.

    What is the impact of part payments on EMI?

    Part payments reduce the outstanding loan amount, which in turn reduces the interest amount due. Without changing the EMI post part payment, the contribution of EMI towards principal repayment increases. Thus the loan gets repaid faster.

    How does Home Loan EMI payment reduce tax obligation?

    Provisions under income tax laws allow Indian Nationals to claim income tax relief on payments made towards interest and principal of home loan. Click here to access our home loan tax saving calculator

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  • Education Loan: Apply Online in India, Interest Rates #medical #school #loans


    #educational loan
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    We’ve identified the lowest interest rate quotes for your profile with great savings .

    3.5 / 5.0 by 194 users

    About Education Loan:

    When it comes to all the building blocks that form a complete and successful life, nothing is as important as quality education. However, education in India, at least the commonly perceived ‘quality education’ as imparted by acclaimed and influential educational institutions, is decidedly costly and not easily available to everyone- especially those who deserve it based on merit alone. Thus, education loans are vitally important. A barebones explanation for an education loan is thus, ‘funds offered by financial institutions to meritorious and/or deserving students so that the latter can pursue their basic/higher education, in India or abroad’. Almost all banks in India offer education loans, and the demand for it has remained stable with the Indian student community.

    Why Choose Education Loan?

    The question should ideally be, why choose an education loan over a personal loan, or the money accumulated in your savings account? The versatility and advantages of education loans are listed below-

    • Education is Expensive- It’s a matter of instant availability. A comprehensive education loan frees you from the task of accumulating sufficient money to fund your son/daughter’s higher education. And, with inflation and shifting prices, can you ever be 100% certain? A good education is expensive and the expenses aren’t changing in a predictable curve. A good education loan scales accordingly and helps you be safe from unexpected surprises.
    • Specialised Help- The expenses incurred through a standard study course are many, caution deposits, library fees, building deposits, laboratory fees, etc. With a comprehensive education loan, individual facets of the course can be better addressed without the risk of running out of money. It’s more organized and seamless with an education loan.
    • Widely and Easily Available- Comprehensive education loans are a priority product in most banks’ arsenal of products and the RBI lists them as part of the priority sector lending of banks. Conforming to some basic requirements and confirming your ability to repay the borrowed amount is all it takes to get on-board.
    • Timely Assistance- Often, good intent isn’t backed by good monies. A good education loan offers timely help when it comes to a crucial pillar that promises a successful life- education. Nullifying the worry that accompanies the need to gather up the requisite amount, a full-fledged education loan puts you at ease.

    Features & Benefits of Education Loans:

    When it comes to a complete education loan, the features and benefits offered are the designated deal makers. Commonly, the following conveniences are offered as part of the education loan-

    • Universally available. Anyone with a will to study can apply.
    • Education loans are provided to pursue all types of academic courses, in India and abroad. The courses include graduation, post-graduation, vocational courses and other certificate courses.
    • Loan amounts can vary from a minimum of Rs.10 lakhs to a maximum of Rs.15 lakhs. For education abroad, banks will provide loans to the quantum of Rs.20 lakhs.
    • The applicant’s annual family income and the course pursued are primary determinants for the applicable loan amount.
    • Usually, female students are offered discounts and/or lower interest rates when it comes to education loans.
    • Government sponsored subsidy schemes, such as ‘Central Scheme to provide Interest subsidy (CSIS)’ help students from the economically backward sections of society avail the benefits of a robust loan for education.
    • The applicant need not repay the borrowed amount immediately. Post the completion of the course, the repayment tenure can stretch upto 5-7 years.
    • Generally, loans below Rs.4 lakhs do not require a security or guarantor.

    Banks, in their individual capacity, will offer a whole suit of exclusive features and benefits. Check the same before zeroing in on the one that best complies with your requirements.

    Why Apply for an Education Loan on BankBazaar?

    BankBazaar is a user friendly portal that is dedicated to the comparison of various banking products, including Education Loans. A helpful resource, BankBazaar allows visitors to better understand this loan, its pros and cons, as well as the various banks that offer them in India. Why BankBazaar? The reasons are as follows-

    100% Hassle Free- Save on time and effort as you ditch legwork and fire up your computer to check out the best education loan options. The process is extremely simple, distraction free and incredibly quick.

  • Compare Education Loans- BankBazaar lists almost all the education loans offered by the various banks and other financial institutions in India. The simple comparison option allows you to choose the loan that best suits your limitations and requirements. Plus, detailed information on every available loan option.

    Apply Online- Post the comparison, use the simplistic BankBazaar interface to apply online for your chosen education loan. Kindly note- Currently, you can only apply for Credila Education Loan and Avanse Education Loan on BankBazaar. More options are expected to be available soon.

    Know it All- From important details such as education loan eligibility, documentation and the basic terms and conditions, to informational bytes that relate to the latest happenings across the education loan landscape in India, BankBazaar is a treasure trove of helpful information.

    Always With You- Have a query or concern? BankBazaar’s brand of superior customer support is always just a phone call, email or chat-box away.

    How to apply for an education loan on BankBazaar?

    Applying for a suitable education loan (currently only Credila Education Loan and Avanse Education Loan are available) on BankBazaar is a very interactive and simple process. The following steps list this process clearly-

    • On BankBazaar’s homepage, access the ‘Education Loan’ option from the top navigation bar.
    • Spread before you, on the drop-down, are popular education loan options. You can directly choose any lender from this list.
    • Do you notice the ‘Get Quote’ and ‘Explore’ buttons? These link to wizards that help you, a) find the most suitable education loan for you, and b) find more information about individual loan options.
    • Your eligibility for the loan is determined by an interactive wizard that takes just about 3 minutes to complete. At the end, a selection of the most appropriate education loan options are listed before you. Clicking on any of these allows you to explore this option further.
    • On a particular bank’s education loan page, the ‘Apply’ button is a prominent fixture. Click on the same to set the wheels in motion. Your information (as provided) will be forwarded to the bank in question and the representative from the latter will contact you in a short while.
    • You can also track your loan application via SMS alerts and email notifications.

    Comparing Education Loans from Top Indian Banks:


  • Canara Bank Housing Loan, Home Loan Canara Bank, Housing Finance Canara Bank in India #how #to #get #a #loan #with #no #credit


    #canara bank home loan
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    Canara Bank

    An attractive scheme of Carana Bank for Home Loan :For construction / purchase / repairs / additions / renovations of residential house / flat including the purchase of land and construction thereon. For taking over of the Housing Loan liability with other recognized Housing Finance Companies, Housing Boards, Co-operative Banks, Co-operative Societies and Commercial Banks at our prevailing low rate of interest.

    Eligibility :-

    • Salaried individuals, individuals engaged in business / professionals and self-employed persons. NRIs are also eligible to avail loans without specific permission of RBI. Persons above the age of 55 years are also eligible subject to certain stipulations of RBI.

    How much you are entitled to: We finance upto:-

    • 4 years of gross salary to salaried individuals.
    • 4 years’ gross annual income to individuals engaged in business or to self-employed persons.
    • For NRIs up to 2 years’ gross income and selectively up to 3 years’ gross income.
    • Selectively loan upto 5 years’ gross salary/income also permitted subject to a maximum of:
    • Rs.50 lacs for purchase / construction of house / flat. (Loan is also granted upto Rs.1 crore selectively.) and
    • Rs.7.5 lacs for repairs / renovations / additions to the existing house / flat.

    Rate of Interest with EMIs (w.e.f. 1st June, 2007):-

    Repayment:-

    • In convenient equated monthly installments upto 20 years.

    Processing Charges :-

    • 0.50% of the loan amount minimum of Rs. 500 and maximum of Rs. 10,000 and no hidden cost. No application fee.

    Documents/ Formalities :-

    • 0.50% of the loan amount minimum of Rs. 500 and maximum of Rs. 10,000 and no hidden cost. No application fee.
    • Stipulated Loan Application with 2 passport size photos of applicant / guarantor
    • Sale Deed
    • Agreement for Sale
    • Copy of the approved plan for the proposed construction / extension / addition
    • Detailed cost estimate / valuation report from Bank’s Panel Chartered Engineer / Architect
    • Allotment letter of Co-operative Housing Society / Apartment Owners’ Association / Housing Board / NOC from the Society / Association / Builders / Housing Board
    • Legal Scrutiny Report, EC for the past 13 years, Property Tax paid receipt, Khata and permission for mortgage, wherever necessary
    • Salary Certificate and Form No.16 (in case of salaried persons)
    • IT Returns filed for the past two years (in case of non-salaried persons)
    • A brief note on the nature of business, year of establishment, type of organization, etc. (in case of self-employed)
    • Balance Sheet and P

    5 Banks Providing Cheapest Home Loans in India #sky #loans


    #cheapest home loans
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    5 Banks Providing Cheapest Home Loans in India

    Bangalore: Home prices may have been on an upward spiral for many years, but the cost of owning a house in India remains near the most affordable level in over three decades, showed data compiled by mortgage giant HDFC Ltd.

    The average price of a home, purchased with a housing loan, rose to over 45 lakh in the 2012-13 fiscal marking the fourth consecutive year of uptrend from about 25 lakh in the year 2008-09, HDFC has said in a presentation.

    Read on to know about few banks which provide cheapest home loans in India, listed by Yahoo.

    Note: EMI per lakhs (in Rupees) for a loan amount of 30 lakhs as on May 3, 2013

    1. Axis Bank

    Axis Bank housing loans are intended for current requirements. One can choose between fixed and floating rate options based on which way you think interest rates are moving.

    A loan in which the interest rate does not change during the entire term of the loan is known as a fixed rate and a floating interest rate is acknowledged as a changeable rate or adaptable rate.

    Axis bank is offering 2,212 as fixed rate and 2, 149 as floating rate for a period of 5 years. Alternatively for 10 years fixed rate is 1,420 floating rate is 1,349, for 15 years fixed rate is 1,184, floating rate is 1,105 and for 20 years fixed rate is 1,084, floating rate is 998.

    Also Read:


    Kansas Home Loan Monthly Payment Calculator India – 100% Loans Online Quick & Easy APPLY NOW! #home #improvement #loan


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    Payday Loans Fast Approval

    ## ?kansas Home Loan Monthly Payment Calculator India – ?kansas Home Loan Monthly Payment Calculator India By 100+ Lenders in OUR Network, Approval in 1 Hr, You Need NOW. Money Upto $5000.

    kansas Home Loan Monthly Payment Calculator India While numerous people flip to buddies, still, a couple of more do not make this choice as their primary choice. Perhaps it is because they give this kind of a individual relationship with so much regard. Thus, many individuals flip to lending companies and get money loans. kansas Home Loan Monthly Payment Calculator India If you lookup the web for individual loans or emergency money, you are most likely to find numerous results but you should be careful. Numerous loan companies want you to believe they are helping you, but in reality they will charge you a significant curiosity rate which can certainly do much more damage than good. Appear for websites and companies that are not necessarily in business to make financial loans, but those that offer information.

    kansas Home Loan Monthly Payment Calculator India

    kansas Home Loan Monthly Payment Calculator India Its a given, that people with bad credit score dont get the financial loans with the very best curiosity rates, compared to people with spotless credit score, but you have to start exactly where you are. Poor credit loan professionals have produced it simpler for individuals with bad credit score to obtain car financial loans. You may complain about the price of interest you will have to pay, but believe of it this way; someone is trusting you to loan you money. This is much more than most lenders will do. Once you have bad credit score, or you have gone via a personal bankruptcy, numerous financial institution representatives believe of you as someone that doesnt spend your bills. They create you off as a bad danger. kansas Home Loan Monthly Payment Calculator India After you have borrowed little funds of five hundred dollars, you can handle to satisfy unexpected fiscal concerns. The funds can be useful to pay off particular pending bills, healthcare expenses, house renovation, credit score card dues, wedding expenses, phone bills, and other utilities. This loan is intended to meet small financial specifications. ?kansas Home Loan Monthly Payment Calculator India

    kansas Home Loan Monthly Payment Calculator India Loans for individuals on benefits with poor credit score are served for these who are 18 years above and have Uk based citizenship. They dont have to go anywhere to gather or repay the mortgage as they can do it utilizing on-line applying process. So, it is a appropriate option to arrange money for urgent requirements. It would take less than fifty percent an hour in finishing the online type with a few particulars. kansas Home Loan Monthly Payment Calculator India If the curiosity rate is six.25%twenty five, we can easily loans monthly payments based on the previous instance. The month-to-month cost would be $677.08 per month. We got that by multiplying the principal, $130,000 times the interest price 6.twenty five%25 and dividing that by the number of months, 12. ($130,000x.0625)12= $677.08. It is important to maintain in mind that as your mortgage principal decreases so does your curiosity cost. In the first fifteen years of the phrase, you will be paying more cash on the interest. On the other hand, the last 15 years the cash mostly goes towards having to pay off the principal.

    kansas Home Loan Monthly Payment Calculator India If you need some cash to include an urgent necessity, guess what! Your next payday has just arrive in with an advance payday mortgage on-line! That stunning new piece of furniture that you have been preparing to purchase suddenly goes on a huge forty%twenty five discount on cash sale! But you dont have enough cash in your account right now. What do you do? Allow go of this golden opportunity? No way! With an progress cash payday mortgage on-line, you can get the cash in your account inside hrs. You can do your buy and clear off the loan on your subsequent payday. Even after you deduct the loan fee, you can still handle to save a clear ten-25 percent. kansas Home Loan Monthly Payment Calculator India Online fax less immediate payday financial loans are a boon in disguise for those who are in dire require of money and cannot wait until their next payday in order to meet their fiscal needs. The cash hence obtained can be place to any sort of personal use various for repairs at home, vehicle repairs, paying off electricity expenses and so on. ?kansas Home Loan Monthly Payment Calculator India

    kansas Home Loan Monthly Payment Calculator India And in the Information Age, the procedure has been produced even easier through the use of the Web. Now, loans Direct lender do not require faxing a form or going to the physical location of the office. Actually, all you require to do to use for a payday mortgage is to click on and kind. kansas Home Loan Monthly Payment Calculator India Even if you are having any poor credit scores, it is feasible for you to avail 500 loans with ease. For this mortgage, the programs which have provided by bad collectors are accepted by the loan companies. In this mortgage, there is no discrimination between good or bad credit score profiles of debtors. So, it is a helpful monetary answer for those people who want to avail little funds.

    kansas Home Loan Monthly Payment Calculator India If you lookup via the web to appear for bad credit personal installment loans, you may find that they can be obtained via many online lenders in an easy method. Many on-line mortgage providers declare that they can approve the mortgage applications within 24 hours even though the loan candidates have poor credit histories. How real are all these loan companies. kansas Home Loan Monthly Payment Calculator India A discount point is an additional charge you spend to your home loan loan company in return for a decreased curiosity rate. What this means in real phrases on the price of your mortgage is best worked out with a mortgage calculator – in specific, a home loan points calculator.


    Loan for Pensioners, Finance in India, Types of bank loan #cheap #loans #uk


    #loans for pensioners
    #

    Loan for Pensioners

    Loans are worthwhile when someone is in immediate need of financial assistance. In earlier days senior citizens were usually deprived of regular loans because of their inability to show proof of a regular income. But the scenario has been changed now and banks are taking care of economical independence of retired individuals by offering a unique pension loan.

    Pension loans are of two types. Pensioners loan and Mortgage loan for senior citizen. Through Pensioners loan, a senior citizen can take a loan against their Pension, fixed deposits, National Savings Certificates, Kisan Vikas Patras, Life Insurance Polices and RBI Relief Bonds etc where mortgage loan demands collateral in the form of an asset such as a home or land. The maximum age limit of a pensioner to apply for a loan is 70.

    The main advantage of this loan is its low interest rate. The maximum amount of loan avail may varies from bank to bank and depends upon individuals repayment capacity. This loan shall be disbursed through Savings Bank A/c other than the account in which your pension is credited every month. Loan prepayment charges and processing fees are free. These loans can be prepaid any time without any penalty.

    Documents required for Pension Loans are:

    Proof of Identity ie; Passport Copy or Voters ID Card or Driving License etc.

  • Address Proof ie; Ration card, Telephone or Electricity Bill or Passport Copy etc.
  • Last 6 months Bank Statement or Bank Passbook.
  • Proof of Retirement and the organization last worked for, including the Pension Slip.


  • Indian roller videos, photos and facts – Coracias benghalensis #indian #roller,coracias #benghalensis,birds,coraciidae,coraciiformes,coracias,chordata,animalia,aves,carnivorous,terrestrial,forest,scrub,asia,terrestrial,grassland,i-lc,iucn #red #list, #least #concern,flying,terrestrial,physical #appearance,adult,n. #india,rollier #indien,arkive,arkive,endangered #species,threatened #species,iucn,red #list,images,photos,photographs,pictures,videos,films,animals,plants,biodiversity,endangered,species,wildlife,nature


    #

    Indian roller (Coracias benghalensis)

    The Indian roller gains its name from its elaborate courtship displays, during which it performs some startling aerobatics culminating in a series of ‘rolling’ motions. The Indian roller is a medium-sized bird which, when perched, appears a fairly drab brown, with a blue crown and lower wing. In flight, however, it is extremely striking, with its deep purple-black wings, bright blue rump, and a blue band across the tail becoming visible (2). Its eyes are greyish-brown and the strong, hook-tipped bill is blackish-brown (3) (4) .

    French Rollier indien. Size Length: 32 – 34 cm (2) Wingspan: 65 – 74 cm (2) Weight 90 g (2)

    Related species

    European roller
    (Coracias garrulus)

    Lilac-breasted roller
    (Coracias caudata)

    Long-tailed ground roller
    (Uratelornis chimaera)

    Indian roller biology

    This bird feeds primarily on insects, in particular beetles, crickets, and grasshoppers. It also regularly consumes flying insects such as wasps, flies, moths and butterflies (6). Where available, amphibians also form a large part of its diet, although in drier areas this food source is often not available (5). When hunting, the Indian roller typically sits motionless at a high vantage point, from which it can scan the ground for potential prey items. When prey is spotted, it will drop down to snatch it and then return immediately to its perch to consume it. On other occasions the Indian roller feeds directly from the ground, and moves around an area foraging for potential insect prey (6) .

    Breeding generally occurs in spring and early summer, and males begin to display as early as February. Courtship displays are highly elaborate, with males flying to great heights and tumbling back down whilst performing a range of aerobatics, calling harshly and beating their wings rapidly to flash their brilliantly coloured wings and tail (5). Eggs are usually laid in April in a hole in a tree or other structure, and are incubated for a period of up to 20 days, with young generally fledging after a period of 35 days. Although groups of Indian rollers are rarely seen, family groups may form, and communicate with a series of loud ‘chack’ calls, which become harsher and more regular during times of threat. When bathing, this species is often seen diving in to water from a great height, a behaviour which was once interpreted as fishing (5) .

    Indian roller range

    The Indian roller is, as its name suggests, found in India; however, it is also found across much of southern Asia, from China, Vietnam and Malaysia, west to Iraq and Saudi Arabia (2) .

    Species with a similar range

    Common scarlet-darter
    (Crocothemis erythraea)

    Indian roller threats

    As the Indian roller is a fairly widespread bird across Asia and is not known to have any global threats, it is not currently considered to be at risk of extinction (1).

    Indian roller conservation

    The Indian roller is found in a number of protected areas across its range, including Ba Be National Park and Na Hang Nature Reserve in Vietnam (7). and Rema-Kalenga Wildlife Sanctuary in Bangladesh (8). In addition, it is the state bird of the Indian states of Andhra Pradesh, Bihar, Karnataka and Orissa (9) (10). and is also considered sacred by Hindus (4). Both of these facts should mean a high level of awareness of this species amongst the general public in certain areas, something which will be of great benefit if this species requires conservation action in the future.

    Environment Agency – Abu Dhabi is a principal sponsor of ARKive. EAD is working to protect and conserve the environment as well as promoting sustainable development in the Emirate of Abu Dhabi.

    Find out more

    To find out about bird conservation in India see:

    For more information on this and other bird species please see:

    Authentication

    This species information was authored as part of the Arkive and Universities Scheme .

    Glossary

    Deciduous forest Forest consisting mainly of deciduous trees, which shed their leaves at the end of the growing season. Incubated Kept warm so that development is possible.

    References

    1. IUCN Red List (March, 2010)
      http://www.iucnredlist.org
    2. Wallace, D.I.M. (1978) Birds of the Western Palearctic, Volume 1. Oxford University Press, Oxford.
    3. Burton, R. (2002) International Wildlife Encyclopedia. Marshall Cavendish Corporation, New York.
    4. Whistler, H. (1941) Popular Handbook of Indian Birds. Gurney and Jackson, London.
    5. Honolulu Zoo (November, 2009)
      http://www.honoluluzoo.org/indian_roller.htm
    6. Sivakumaran, N. and Thiyagesan, K. (2003) Population, diurnal activity patterns and feeding ecology of the Indian roller Coracius benghalensis. Zoos’ Print Journal. 18 (5): 1091-1095.
    7. Hill, M. (2000) Bird fauna of protected forests in northern Vietnam. Forktail. 16. 5-14.
    8. Ministry of Environment and Forests. (2003) Secondary data collection for pilot protected areas: Rema-Kalenga Wildlife Sanctuary. Ministry of Environment and Forests, Government of Banglasdesh.
    9. The Internet Bird Collection (November, 2009)
      http://ibc.lynxeds.com
    10. Mohanty, P.K. (2005) Blue Jay: The State Bird of Orissa. Orissa Review. 2005. 86-88.

    Perched Indian roller

    David Tipling / gettyimages.com


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    POSist is a pioneer cloud-based point of sale (POS) software to provide comprehensive suite of restaurant billing and management solutions. Unlike traditional POS, our POS software is designed with a wide range of tools to help your business grow and outgrow competition. State of the art technology, cost-effective and flexible pricing benefits, offline support, round-the-clock tech support, on-demand add-ons, in-depth and real-time reports are just a few of benefits to mention.

    Why POSist?

    Simply because our POS is made to address problems related to different areas of restaurant operations, which range from order taking, table booking, stock and inventory, menu and recipes, customers, restaurant staff, preparation, dispatch and delivery, payments and many more. However, not just any restaurant POS can fix your problems – because issues common at fine dining setups largely vary from those at QSR, large food chain, bakery, pizzeria, bar and lounge, coffee shops, food truck, sweet shops, ice cream parlors and vice versa. That’s why we have devised specialized POS solutions for each type of restaurant businesses such as fine dining POS, QSR POS, Ice Cream POS, Bakery POS and name what you want!

    So, just tell us your nature of restaurant business and the issues hampering restaurant production and revenue generation – and that’s all! Whether its thefts at cash register, menu update with large food chain, tax calculation, missed order, pricey and erroneous manual labor or lack of sufficient sales reports, our software is built to solve issues and serve you 24×7 to help you thrive in your niche.

    Both Online And Offline

    POSist being an online application does not require specific hardware or software requirements to run. You can use it on desktop, notebook or tablet, irrespective of any platform of operating system it has. But, you won’t need to halt operation during outage or no internet connection. Our cloud POS still runs even when there is no internet connection or no power supply – because our POS runs offline too.
    And there are much more ways you can improve your menu, food, delivery, customer relations and increase profits using POSist – try us NOW! Call us to ask for a free demo and discover more scopes to thrive your business from today.

    Restaurant Management Software