Loan

Credit News

SBI Home Loan, Interest Rates Nov 2017, Eligibility, Documents, home loan calculator india.#Home #loan #calculator #india


Home loan calculator indiaSBI Home Loan

SBI Home Loan: Get quotes on Interest Rates 8.30% November ✓ Eligibility, Documents, Low EMI Rs.758/lakh, Application Status, Calculator Quotes at deal4loans.com.

Key Pointers of SBI Home Loan

Latest Update: 2 Years Fixed Rates for Women are 8.50%, 8.55% for Others. Loan amount maximum upto 30 lakhs only. State Bank of India has introduced two new Home Loan products SBI Privilege Home Loan for Government Employees and SBI Shaurya Home Loan for Defence Personnel.

Festival Bonanza : 0% Processing Fee, on Top up and Home Loan (New & Take Over). Offer Valid till 31.12.17

SBI Home Loan Interest Rates: Last updated as on 02 Nov 2017

HOME LOANS – INTEREST RATES With effect from 02.11.2017

Home Loan as Overdraft (Maxgain)*

Above 30 lakh Upto 75 lakhs

Above 20 lakh upto 30 lakhs

Above 30 lakhs Upto 75 lakhs

Above 75 lakhs Upto 3 crores

SBI – CLSS Home Loan Scheme

Prime Minister has announced interest subsidy of 4% on housing loans of up to Rs.9.00 lakhs of those with an income of Rs.12.00 lakh per year and of 3% on housing loans of up to Rs.12.00 lakh of those earning Rs.18.00 lakh per year. Under CLSS Scheme for MIG, if you take a loan amount of upto 9 lakh for maximum 20 years repayment period, built up area below 90 sq mtr (968 sq foot) and your yearly income is below 12 lakh. Than your savings are below:

Under CLSS Scheme for MIG, if you take a loan amount of upto 12 lakh for maximum 15 years repayment period, built up area below 110 sq mtr (1184 sq foot) and your yearly income is above 12 lakh and below 18 lakh than your savings are below:

SBI Hamara Ghar Home Loan Scheme – Fixed Interest rate product for affordable segment. Home Loan will be available by way of Term Loan only with fixed interest tenure of 2 years.

  1. Pre-payment penalty of 2% plus ST levied on loans foreclosed /prepaid during initial tenor of 2 years.
  2. Switch over from fixed interest rate to floating rate linked to 1 yr MCLR will be unavailable for period of first 2 years.
  3. Max Loan Amount INR 30 lakhs

Interest Rates of Hamara Ghar Home Loan Scheme

Interest Rates for Home Loan Top Up Scheme

SBI Home Loan Interest Rates 2015 – 9.80% – 9.85%. But after October’ 2015 it goes down to 9.50% -9.55%. It helps borrowers to save around Rs 21.98 on per lac emi for 30 years. For example if you can take a loan amount of around 20 lakh for 30 years at 9.50% rate of interest than you can save around Rs 439.60 on per month EMI or Rs 158256 in 30 years tenure.

State Bank of India is the country’s largest bank in terms of number of customers, employees, advances and deposits. Despite being a government-owned bank, it has not only managed to stay ahead of its private sector peers, but continue to be one of the most profitable banks. It remains the ‘trend-setter’ for the banking industry when it comes to taking decisions on interest rates, and product innovations. It has a market cap of Rs 1,90,000 crore and total loan outstanding as of March 2015 was Rs 11 lakh crore.

Eligibility Criteria, Documentation required for SBI Home Loan

2) Identity residence proof

3) Last 3 months salary slip

5) Last 6 months bank salaried credit statements

6) Processing fee cheque

2) Identity residence proof

3) Education qualifications certificate proof of business existence

4) Business profile,

5) Last 3 years profit/loss balance sheet

6) Last 6 months bank statements

7) Processing fee cheque

Above Rs. 30 Lacs. to 75 lac

Repayment period: Maximum 30 years (or) Up to the age of 70 years (the age by which the loan should be fully repaid) of the borrower, whichever is early.

SBI Home Loan EMI Calculator

SBI MAXGAIN – Home loan as an Overdraft

Interest rates (w.e.f. 01 October 2016) for home loans is 9.25% for women and 9.30% p.a. for others.

SBI Tribal Plus Home Loan

Maximum Repayment period is 15 years

SBI Gram Niwas Home Loan

The home loans under Gram Niwas Scheme are sanctioned for purchase/construction/repair and renovation of house and purchase of plot for construction of a house/shed etc. The scheme covers all Rural and Semi-urban centres having population upto 50,000 as per 2001 census.

Maximum Repaymenet period is 15 years

SBI Sahyog Niwas Home Loan

Maximum loan amount per member is Rs.50,000

SBI Shaurya Home Loan

Full wavier of processing fees

Lower interest rate as a concession of 5bps over the Home Loan Card Interest Rate is available whrever check-off facility is extended by the Government inder tie-up arrangement with the Bank

Customers of other Banks/Fls to switchover their Home Loan outstanding balance to State Bank of India

Extended repayment upto the age of 75 years as against 70 years under normal Home Loan scheme. The maximum loan term, however, shall remain capped at 30 years

SBI Reverse Mortgage Home Loan

No compulsion for the borrower to repay the loan amount during his or her lifetime or till such time he/she stays in the house.

SBI NRI Home Loans

Minimum employemnet tenure in India/Abroad should be 2 years

There is no maximum amount limit for this home loan scheme

SBI TOP UP HOME LOAN

0.35% of Loan Amount or Rs 10000 plus service tax whichever is less, subject to minimum of Rs 2000 plus taxes

Interest Rates charged on Top-up loan is different from Normal Home Loan

FAQS about SBI Home Loans:

Bank will determine your loan eligibility mostly by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse’s income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

Yes. You are eligible for tax benefits on the principal and interest components of your Home Loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

Yes, you could go in for a ‘Top up Home Loan’ whereby your existing loan (which you took to buy your current home) could be transferred to the new house with additional funds for the incremental cost of the new house, subject to your loan eligibility. This means you can move into your new home without having to go through the hassle of pre-paying your existing loan.

An under construction property refers to a home which is in the process of being constructed and where possession would be handed over to the buyer at a subsequent date.

Yes, you can repay the loan ahead of schedule by making lump sum payments towards part or full prepayment, subject to the applicable prepayment charges.



SBI Home Loan, Interest Rates Nov 2017, Eligibility, Documents, home loan calculator india.#Home #loan #calculator #india


Home loan calculator indiaSBI Home Loan

SBI Home Loan: Get quotes on Interest Rates 8.30% November ✓ Eligibility, Documents, Low EMI Rs.758/lakh, Application Status, Calculator Quotes at deal4loans.com.

Key Pointers of SBI Home Loan

Latest Update: 2 Years Fixed Rates for Women are 8.50%, 8.55% for Others. Loan amount maximum upto 30 lakhs only. State Bank of India has introduced two new Home Loan products SBI Privilege Home Loan for Government Employees and SBI Shaurya Home Loan for Defence Personnel.

Festival Bonanza : 0% Processing Fee, on Top up and Home Loan (New & Take Over). Offer Valid till 31.12.17

SBI Home Loan Interest Rates: Last updated as on 02 Nov 2017

HOME LOANS – INTEREST RATES With effect from 02.11.2017

Home Loan as Overdraft (Maxgain)*

Above 30 lakh Upto 75 lakhs

Above 20 lakh upto 30 lakhs

Above 30 lakhs Upto 75 lakhs

Above 75 lakhs Upto 3 crores

SBI – CLSS Home Loan Scheme

Prime Minister has announced interest subsidy of 4% on housing loans of up to Rs.9.00 lakhs of those with an income of Rs.12.00 lakh per year and of 3% on housing loans of up to Rs.12.00 lakh of those earning Rs.18.00 lakh per year. Under CLSS Scheme for MIG, if you take a loan amount of upto 9 lakh for maximum 20 years repayment period, built up area below 90 sq mtr (968 sq foot) and your yearly income is below 12 lakh. Than your savings are below:

Under CLSS Scheme for MIG, if you take a loan amount of upto 12 lakh for maximum 15 years repayment period, built up area below 110 sq mtr (1184 sq foot) and your yearly income is above 12 lakh and below 18 lakh than your savings are below:

SBI Hamara Ghar Home Loan Scheme – Fixed Interest rate product for affordable segment. Home Loan will be available by way of Term Loan only with fixed interest tenure of 2 years.

  1. Pre-payment penalty of 2% plus ST levied on loans foreclosed /prepaid during initial tenor of 2 years.
  2. Switch over from fixed interest rate to floating rate linked to 1 yr MCLR will be unavailable for period of first 2 years.
  3. Max Loan Amount INR 30 lakhs

Interest Rates of Hamara Ghar Home Loan Scheme

Interest Rates for Home Loan Top Up Scheme

SBI Home Loan Interest Rates 2015 – 9.80% – 9.85%. But after October’ 2015 it goes down to 9.50% -9.55%. It helps borrowers to save around Rs 21.98 on per lac emi for 30 years. For example if you can take a loan amount of around 20 lakh for 30 years at 9.50% rate of interest than you can save around Rs 439.60 on per month EMI or Rs 158256 in 30 years tenure.

State Bank of India is the country’s largest bank in terms of number of customers, employees, advances and deposits. Despite being a government-owned bank, it has not only managed to stay ahead of its private sector peers, but continue to be one of the most profitable banks. It remains the ‘trend-setter’ for the banking industry when it comes to taking decisions on interest rates, and product innovations. It has a market cap of Rs 1,90,000 crore and total loan outstanding as of March 2015 was Rs 11 lakh crore.

Eligibility Criteria, Documentation required for SBI Home Loan

2) Identity residence proof

3) Last 3 months salary slip

5) Last 6 months bank salaried credit statements

6) Processing fee cheque

2) Identity residence proof

3) Education qualifications certificate proof of business existence

4) Business profile,

5) Last 3 years profit/loss balance sheet

6) Last 6 months bank statements

7) Processing fee cheque

Above Rs. 30 Lacs. to 75 lac

Repayment period: Maximum 30 years (or) Up to the age of 70 years (the age by which the loan should be fully repaid) of the borrower, whichever is early.

SBI Home Loan EMI Calculator

SBI MAXGAIN – Home loan as an Overdraft

Interest rates (w.e.f. 01 October 2016) for home loans is 9.25% for women and 9.30% p.a. for others.

SBI Tribal Plus Home Loan

Maximum Repayment period is 15 years

SBI Gram Niwas Home Loan

The home loans under Gram Niwas Scheme are sanctioned for purchase/construction/repair and renovation of house and purchase of plot for construction of a house/shed etc. The scheme covers all Rural and Semi-urban centres having population upto 50,000 as per 2001 census.

Maximum Repaymenet period is 15 years

SBI Sahyog Niwas Home Loan

Maximum loan amount per member is Rs.50,000

SBI Shaurya Home Loan

Full wavier of processing fees

Lower interest rate as a concession of 5bps over the Home Loan Card Interest Rate is available whrever check-off facility is extended by the Government inder tie-up arrangement with the Bank

Customers of other Banks/Fls to switchover their Home Loan outstanding balance to State Bank of India

Extended repayment upto the age of 75 years as against 70 years under normal Home Loan scheme. The maximum loan term, however, shall remain capped at 30 years

SBI Reverse Mortgage Home Loan

No compulsion for the borrower to repay the loan amount during his or her lifetime or till such time he/she stays in the house.

SBI NRI Home Loans

Minimum employemnet tenure in India/Abroad should be 2 years

There is no maximum amount limit for this home loan scheme

SBI TOP UP HOME LOAN

0.35% of Loan Amount or Rs 10000 plus service tax whichever is less, subject to minimum of Rs 2000 plus taxes

Interest Rates charged on Top-up loan is different from Normal Home Loan

FAQS about SBI Home Loans:

Bank will determine your loan eligibility mostly by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse’s income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

Yes. You are eligible for tax benefits on the principal and interest components of your Home Loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

Yes, you could go in for a ‘Top up Home Loan’ whereby your existing loan (which you took to buy your current home) could be transferred to the new house with additional funds for the incremental cost of the new house, subject to your loan eligibility. This means you can move into your new home without having to go through the hassle of pre-paying your existing loan.

An under construction property refers to a home which is in the process of being constructed and where possession would be handed over to the buyer at a subsequent date.

Yes, you can repay the loan ahead of schedule by making lump sum payments towards part or full prepayment, subject to the applicable prepayment charges.



Home Loan, Best Home Loan in India, Apply for Home Loan Online, home loan calculator india.#Home #loan #calculator #india


Home Loans

If you can dream it, you can own it! Everything you need to know to avail of a home loan is right here. You can be assured of fair terms, total transparency and flexibility. We believe that when it comes to owning a home, nothing should come in the way.

Features and Benefits of DHFL Home Loans

  1. Loan Amount: Avail a Home Loan of up to ` 500,00,000 (minimum loan amount ` 1 lac) but not exceeding 85% of the cost of property (including stamp duty and registration fees) or 80% of market value, whichever is lower
  2. Tenure Term: The tenure of your Home Loan ranges from 1 to 30 years. The term, however does not extend beyond the retirement age or 60 years whichever is earlier (65 years for self-employed individuals)
  3. Purpose: Avail of a home loan for ready built-up or under construction house/flat purchase
  4. Reduce your EMI : With tenure of 30 years, you can reduce the EMI amount on your Home Loan, so that your outgoings every month do not come in the way of your lifestyle and living standards
  5. Interest Rates: The Interest rate applicable is based on the DHFL’s Retail Prime Lending Rate (RPLR) which fluctuates from time to time based on the money market conditions
  6. Processing Fees (Non-Refundable) : This is charged as the fee towards processing your home loan application.

Salaried individuals (SAL) / Self-Employed Professionals (SEP)

Self-Employed Non Professionals (SENP)

*GST as applicable

  • Easy Repayments:You have 2 options for repayment of the loan based on the EMIs payable on your Home Loan:
    1. Through ECS (Electronic Clearing Service) based on standing instructions to your bank
    2. Post Dated Cheques(PDCs) drawn on your Savings/Salary account
  • Home Loan Tax Benefits: Resident Indians are eligible for certain tax benefits on principal and interest components of a home loan. As per Income Tax Act 1961 rules, the current applicable exemption under section 24(b) is ` 2,00,000/- for the interest amount paid in the financial year and up to ` 1,50,000/- (under section 80 C) for the principal amount repaid in the same year.
  • Applicant and Co-Applicant: Home Loans can be applied by an individual. The loan amount can be further enhanced by including an earning co-applicant.
  • Home Loan Eligibility

    You can avail a Home Loan of up to ` 500,00,000 (minimum loan amount ` 1 lac) but not exceeding 85% of the cost of property (including stamp duty and registration fees) or 80% of market value, whichever is lower. The loan amount can be further enhanced by including an earning co-applicant.

    The actual Home Loan amount is determined taking into various account factors such as:

    • Repayment Capacity
    • Age
    • Educational qualifications
    • Stability and continuity of income
    • Number of dependents
    • Co-applicant’s income
    • Assets
    • Liabilities
    • Saving habits, and more

    Documentation Required For Home Loan

    Click here for the list of documents required.



    Car Loan EMI Calculator India – Calculate Auto Loan Monthly Payments, home loan calculator india.#Home #loan #calculator #india


    EMI Calculator

    Auto Loan EMI Calculator

    Nowadays, owning a car is no longer seen as a luxurious commodity, rather it has become a necessity. If you have plans to purchase your dream car, it is not important to burn a hole in your pocket in the process. Instead, you can go for the option of having a car loan. The best part of having a car loan is that with the help of reasonable EMIs you get to pay back the loan.

    Are you confused about the whole concept of EMI and the interest you have to pay? You don’t need to and let Car Loan EMI Calculator handle this. Read on, to know more about the EMI Calculator for a car loan and various other related things.

    Car Loan EMI calculator

    Home loan calculator india

    What you should know about Car Loan Monthly Payment Calculator ?

    An EMI loan calculator will help you out in making a right decision for the car model and the monthly budget. So, here are the key factors that you should know about this Loan EMI Calculator –

    • EMI calculator for Car Loan is one of the helpful tools that will make you familiar with the existing and the future monthly amount paid as installments. You can have a Car Loan EMI Calculator from the banks and financial entities.
    • While using an EMI Car loan Calculator, there is a need to enter certain details such as repayment term, loan amount, and the interest rate. With the help of this calculator, you can easily get familiar with the monthly installments and amortization schedule.
    • For using an EMI Calculator for auto Loan, you can enter the processing fee as well. The same fee also gets added to your loan amount to show the total expense incurred.
    • This Car Loans EMI Calculator online will also assist you with the amortization plan, interest outgo, and timeline of the loan repayment. Such information will make you aware of all the important information that helps you make smart decisions.
    • An EMI Calculator also comes handy in planning your monthly budget. This will really help in making the EMI more affordable.

    Home loan calculator india

    How Does Online Car Loan EMI Calculator work?

    First and foremost, the compound interest on the principal loan amount at the set interest rate gets calculated by this EMI Calculator. The calculation is done as per the following rule – paying the interest part first, the total amount payable, and the part that outstanding of your EMI is the principal. EMI is computed using the following emi calculation formula –

    Monthly Installment Amount = [P x R X (1 + R) ^ N] / [ (1 + R) ^N 1]

    In the formula, P is the principal amount; N signifies the number of monthly installments, and R is the rate of interest every month. Let us assume the interest rate per annum at 12%, the interest rate each month will be 12/ (12 100).

    How can you simplify your car loan with an EMI Calculator?

    When you want to have the best information about making a right choice for a loan or about the repayments, this Calculator will do all the things for you. Following are some of the main things that get simplified when you use this Calculator for car loan.

    • Being intuitive and easy to use are its key elements. The main idea behind designing the calculator is to make your calculation task easier. All you need is to enter the values and use the sliders and you will have the instant projections on EMI and amortization schedule.
    • Using this Calculator is as simple as using a standard calculator. You don’t need to have special expertise to use this calculator.
    • With the help of the Calculator, you will have the amortization schedule and above all the breakup of the payable amount in a graphic format makes the things easier to understand and interpret.
    • You can use this Calculator number of times until the time you have the right combination of term, affordable EMI, and the principal.
    • With the help of a online EMI Calculator, you get to know which car loan will be beneficial for you. You get to compare the interest rates based on the prepayment penalty, interest rates, and processing fee to check its effects on the EMI.
    • You don’t have to pay anything and you will get your results instantly.

    What are the benefits of using a car loan eligibility calculator?

    This online Loan Calculator for determining car loan payments is a handy tool that will help you make smart loan decisions. Let us discuss the benefits of this Calculator –

    Reiterate Calculations –

    Using this EMI Calculator for Car Loan, you can keep on varying the values till the time you have the right EMI value that suits you best. Using this calculator, you can also experiment with the interest rates and term of the car loan; you also get to know all these elements can affect your EMI.

    Immediate Results –

    One of the best things is that you get instant results when you calculate your EMI using Car Loan Calculator. You can also use this calculator before taking a final decision on taking a car loan, when you are finally paying off your loan, and while you are making plans for car loan repayments.

    Logical evaluation of car loans –

    With the help of this EMI calculator, you can easily compare the best car loans on the basis of key elements like – interest rate and EMI. You may feel that the interest rates are all same but using Car Loan Calculator, you will get a better idea of the interest rates that can prove beneficial to you.

    Accurate –

    With the help of online Car Loan Calculator, you get to save your efforts on calculating complicated compound interest. If you are planning to do manual calculations, you are bound to make mistakes. If you enter all the details in a Car Loan EMI online calculator, your task gets done in minutes. Having an intuitive interface, the Calculator can be used by anyone.

    How to qualify for a car loan?

    Well, you don’t need to worry as the process of auto loan approval is simpler as compared to the house loan. For your bank and the lenders, your credit history and income really plays a pivotal role. Basically, they are interested in knowing whether you will be able to repay the loan amount or not. Following are the things that a lender or your bank will consider –

    Credit Score –

    Your bank and lenders will show more interest in knowing your status regarding your credit health and even want to know your history. They are usually looking for a credit score i.e. more than 750. Basically, it is the first step and on the basis of your credit score, they will move on to the next step.

    But, if your score is below 750, your application will not be considered for the car loan. For lenders or your bank having a credit score below 750 is a clear signal that you are not capable of managing your credit responsibly. So, if you don’t want to face a rejection, make sure you have a healthy credit score.

    Employment Profile –

    Your bank and your lenders will also show interest in knowing your employment status i.e. whether you have a stable employment or not. This will ensure them whether you are in a position to repay the loan amount. They are not sure if you have s stable employment where you can easily make the EMI monthly payments for a car loan. They check whether you have worked with an employer for a minimum of one year when you apply for the car loan.

    Credit Report –

    Just like your credit score shows the status of your credit health, your credit report shows your credit behavior. Even your current score is healthy, your bank can cross-check your credit report to have a look at your past payment history.

    Existing EMI payments –

    If your existing EMI liabilities is forming a high percentage of your income, your bank will have an idea that you are not in a position to maintain additional debt payments. If your total monthly EMI is over 50%-60% of your income, your lender will get skeptical about repaying the additional car loan. You have more chances of your loan application getting rejected.

    Therefore, when you have decided to apply for the car loan, ensure that your EMI outflow is not more than your income percentage. Just in case it is high, make sure you pay off the smaller loans in order to bring down your overall EMI. This will help in freeing up some part of your income so that you can repay your car loan.

    Besides Car Loan EMI Calculator, you also have easy access to various other EMI calculators like Home Loan EMI Calculator, Bike Loan EMI Calculator, and Personal Loan EMI Calculator.



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


    #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.



  • 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

    • Internet Banking

    Explore the power of simpler and smarter banking. Bank online with over 250 services

  • Mobile Banking
    Bank on the go with our Mobile Banking services. Download app or use SMS
  • Pockets by ICICI Bank
    VISA powered Universal payment wallet. Download today
  • Find ATM/Branch

    Bank 24/7 through a widespread network of over 4,050 branches and 13,180 ATMs



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


    #educational loan
    #

    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
    #

    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
    #

    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


    #house loan calculator
    #

    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



    Restaurant Billing Software, POS Software, Restaurant Management System India #best, #cloud, #based, #management, #pos, #epos, #web #pos, #billing, #bill, #online, #point, #of, #sales, #software, #system, #systems, #solution, #restaurant, #india


    #

    India’s First Cloud POS – Complete Restaurant Management Software

    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



    Bank Of Baroda Home Loan, BoB Home Loans India – India Housing #car #calculator #payment


    #bank of baroda home loan
    #

    Bank Of Baroda Home Loan

    Bank of Baroda extends its hand to help you sail through and realize your dream of owning a home of your own. Come to Bank of Baroda and get the best interest rates on all home loan products. Most competitive rates have made Bank of Baroda housing loans popular among the home buyers.

    Bank of Baroda Home Loans Services

    The home loans products and services by Bank of Baroda (BoB) cover:

    Loans for purchasing a plot

  • Repayment of loans from other housing finance companies

  • Bank of Baroda is there to help you with any financial requirement for a ready-to-move-in property, under construction property or any repayment issues. The loan sanctioned can be upto Rs.100 lakhs with a flexible repayment period of 25 years.

    BoB Home Loan Advantage

    Along with providing finance for your dream home, Bank of Baroda also gives you additional benefits with each housing loan product like:

    Free Property Insurance and Personal Accident Insurance during the stipulated tenure of loan.

  • No processing charges for housing loans taken over from other Banks/Institutions.
  • Free Credit Card – “Paras” card (Complimentary for first year) to all new home loan borrowers with loan limit of Rs. 2/- Lakhs and above
  • Free Personal Accident Coverage up to Rs. 2/- Lakhs Under “Paras” credit card.
  • Triple A facilities or AAA (Additional Assured Advance)
  • Existing home loan borrowers can also avail assured additional loan up to 90% of principal repaid (min. Rs. 25000/-) against extension of equitable mortgage of housing property at 1% above BPLR (Benchmark Prime Lending Rate).
  • No Fees and other charges in case of part or full prepayment of the loan from own sources.

  • The loan application form is available at the BoB branches or online on the Bank of Baroda website. Bank of Baroda.com also gives you an online EMI calculator where you can get an estimate of the monthly installment you would be required to pay for the repayment of your home loan. For the current interest rates contact any of the helpdesks at the Bank of Baroda branches or refer the BoB site.

    CONTACT DETAILS:

    Toll Free Customer Care Number



    Buy latest Servers online at Best price from Server dealers in India #buy #server #online,buy #servers,servers #online,server #price,server #dealers,hp,dell,ibm,lenovo,shop #servers,server #store,hp #servers,dell #servers,ibm #servers,server #deals,buy #servers #in #india


    #

    Mumbai Partner Office

    Shop No. 62, Cosmos Aura, Ground Floor, G.M. Bhosale Marg, Worli, NakaWorli, Mumbai, Maharashtra – 400018
    Phone: 9951633336

    Pune Partner Office

    390, Narayan Peth, B1 & B2 Apts, Pune, Maharashtra – 411030
    Phone: 9951633336

    New Delhi Parnter Office

    B-23, Street No. 4, Joshi Colony, I.P. Ext. New Delhi – 110092

    Bangalore Partner Office

    NextGen Technologies, No. 3/1(3), 2nd Floor, P.R. lane, SP Road Corss, Bangalore, Karnataka, 560002
    Phone: 9951633336

    Official Server reseller for

    Dell PowerEdge Servers

    IBM System x Servers

    Lenovo ThinkServers

    HP ProLiant Servers

    *Taxes varies from state to state subject to applicable to the local taxes

    Hyderabad. Mumbai. Delhi. Bangalore. Chennai. Ahmedabad, Pune, Surat, Kolkata, Jaipur, Lucknow, Kanpur, Nagpur, Indore, Thane, Bhopal, Visakhapatnam, Pimpri, Patna, Vadodara, Ghaziabad, Ludhiana, Agra, Nashik, Faridabad, Meerut, Rajkot, Kalyan, Vasai, Varanasi, Srinagar, Aurangabad, Dhanbad, Amritsar, Navi Mumbai, Allahabad, Ranchi, Howrah, Coimbatore, Jabalpur, Gwalior, Vijayawada, Jodhpur, Madurai, Raipur, Kota, Guwahati, Chandigarh, Solapur, Hubballi-Dharwad, Bareilly, Moradabad, Mysore, Gurgaon, Aligarh, Jalandhar, Tiruchirappalli, Bhubaneswar, Salem, Bhayandar, Trivandrum, Bhiwandi, Saharanpur, Gorakhpur, Guntur, Bikaner, Amravati, Noida, Jamshedpur, Bhilai, Warangal, Cuttack, Firozabad, Kochi, Bhavnagar, Dehradun, Durgapur, Asansol, Nanded, Kolhapur, Ajmer, Gulbarga, Jamnagar, Ujjain, Loni, Siliguri, Jhansi, Ulhasnagar, Nellore, Jammu, Sangli, Belgaum, Mangalore, Ambattur, Tirunelveli, Malegaon, Gaya, Jalgaon, Udaipur, Maheshtala, Tirupur, Davanagere, Kozhikode, Akola, Kurnool, Rajpur Sonarpur, Bokaro, South Dumdum, Bellary, Patiala, Gopalpur, Agartala, Bhagalpur, Muzaffarnagar, Bhatpara, Panihati, Latur, Dhule, Rohtak, Korba, Bhilwara, Brahmapur, Muzaffarpur, Ahmednagar, Mathura, Kollam, Avadi, Rajahmundry, Kadapa, Kamarhati, Bilaspur, Shahjahanpur, Bijapur, Rampur, Shivamogga, Chandrapur, Junagadh, Thrissur, Alwar, Bardhaman, Kulti, Kakinada, Nizamabad, Parbhani, Tumkur, Hisar, Ozhukarai, Bihar Sharif, Panipat, Darbhanga, Bally, Aizawl, Dewas, Ichalkaranji, Tirupati, Karnal, Bathinda, Jalna, Barasat, Kirari Suleman Nagar, Purnia, Satna, Mau, Sonipat, Farrukhabad, Sagar, Rourkela, Durg, Imphal, Ratlam, Hapur, Anantapur, Arrah, Karimnagar, Etawah, Ambernath, North Dumdum, Bharatpur, Begusarai, New Delhi, Gandhidham, Baranagar, Tiruvottiyur, Puducherry, Sikar, Thoothukudi, Rewa, Mirzapur, Raichur, Pali, Ramagundam, Vizianagaram, Katihar, Haridwar, Sri Ganganagar, Karawal Nagar, Nagercoil, Mango, Bulandshahr, Thanjavur,

    Andhra Pradesh. Assam, Bihar, Chandigarh, Chhattisgarh, Delhi. Gujarat, Haryana, Jammu and Kashmir, Jharkhand, Karnataka. Kerala, Madhya Pradesh, Maharashtra, Manipur, Mizoram, Orissa, Puducherry, Punjab, Rajasthan, Tamil Nadu, Telangana. Tripura, Uttar Pradesh, Uttarakhand, West Bengal,



    Best Kidney Transplant Hospital in India Delhi NCR #best #kidney #failure #treatment #hospital, #best #kidney #disease #treatments #in #india, #best #hospital #for #kidney #failure #treatment, #kidney #transplant #centers #in #india, #kidney #transplant #surgery #in #india, #best #kidney #transplant #hospitals #in #india, #cost #kidney #transplant, #kidney #transplant #cost #in #india, #primus #hospital #kidney #transplant, #top #kidney #transplant #hospitals #delhi #ncr, #primus #super #specialty #hospital #in #india, #top #super #specialty #hospital #in #delhi


    #

    Kidney Transplant

    Department of Urology and Kidney Transplant Surgery has been running successfully under the valuable guidance and expertise of Dr. Pankaj Wadhwa, Director – Department of Urology with an experience of over 10 years in the field of Kidney Transplant, Laser Endoscopic Laparoscopic Urological Surgeries.

    Primus Hospital has world class state of art modular operation theaters, dedicated KT-ICU and dedicated team of Nephrologists, Anesthetists and post operative staff.

    The operation theaters are equipped with cutting edge technology with 100 watts Lumenis Holmium Laser for Prostate and Stone surgeries apart from full range of Urological instruments including Flexible Ureterorenoscope.

    The aim of the department is to provide all patients with world class urology services in terms of diagnosis, investigation work up, surgical procedures and follow up at an affordable cost.

    The department believes in the Patient First philosophy, giving personalized care to all its patients.

    Primus Nephrology, Kidney Transplant Dialysis Center is a leading center for innovative treatments. Our center is dedicated to highest standards of patient care with human touch, offering pioneering procedures that minimize risk and hasten recovery.

    We firmly believe that research enhances the ability of teaching and teaching lifts the standards of patient care.
    Primus nephrology Center provides excellent medical services with latest technology for diseases of the urinary
    system.
    As the major tertiary care centre, our goal is to deliver the highest level patient care, consistent with our
    philosophy of keeping the patient at the highest priority.
    We are proud to offer some of the region’s finest experts in urology specialty.
    The Center works as a cohesive team with interdisciplinary interactions between urologists, nephrologists,
    and medical team.

    The department of Urology has state of art Advanced Kidney Dialysis (AKD) unit which has been established at Primus Super Speciality Hospital. The department is focused to provide high quality medical care with a human touch. The division is one of the first few centers in India to provide state of Art Renal Replacement Therapy. under the guidance of Dr Pankaj Wadhwa Dr. Tanmay Pandya.

    Kidney failure describes a medical condition in which the kidneys fail to adequately filter toxins and waste products from the blood. The kidney problems can be devided in two forms in acute phase it is reffered to as AKI (Acute Kidney Injury) and in chronic phrase referred to as CKD (Chronic kidney disease) .The CKD patients are started on renal replacement therapy (RRT) once they reach a state of end stage renal disease (ESRD).
    Common diseases leading to ESRD include diabetes mellitus, hypertension, chronic interstitial nephritis, polycystic kidney disease, and autoimmune conditions such as Lupus nephritis. Diabetes is the most common cause of kidney transplantation accounting for approximately 25% of those in the developed and developing world.

    Renal replacement therapy (RRT) can be divided into Dialysis (Hemodialysis and Peritoneal dialysis) and Renal Transplant. Although hemodialysis has improved the quality of life of ESRD patients it is not without its own problems. Kidney transplant is a much better option for patients. A successful kidney transplant frees patients from the need for dialysis and is a more effective treatment for kidney failure. Transplant patients have less restrictions and a better quality of life than do dialysis patients. It has become the most successful and widespread organ transplantation performed today.

    We at Primus Super Speciality Hospital have been successfully performed renal transplants under the guidance of one of the most skilled Transplant Surgeon and Urologist Dr Pankaj Wadhwa. The team has been strengthened by addition of senior nephrologists Dr. Tanmay Pandya (MD. DM) The knowledge and experience of such eminent doctors has helped in giving quality care in the pre and post transplant period.

    Services

    • Colonoscopy $250
    • Gastroscopy $235
    • Allergy testing $135
    • CT scan $575

    Aliquam congue tellus eget dolor semper, eget hendrerit nisl condimentum. Sed posuere ante augue. Quisque porttitor mauris vitae tempor aliquet. In tincidunt eget nisl in fringilla. Morbi bibendum nunc non nisl euismod, at rhoncus odio aliquam. Praesent venenatis suscipit eros.

    Dliquam porttitor, nisl nec consequat tincidunt, massa leo viverra magna, in consequat massa lacus quis diam. Proin laoreet fringilla ultricies. Donec gravida mollis metus, id egestas leo tincidunt quis. Pellentesque quis ipsum non arcu accumsan euismod tempus at lorem. Nulla facilisi. Nam eu quam augue.

    Appointment

    Fusce dapibus ligula arcu, eget euismod quam ultricies eu. Sed eu nisi sed purus tristique feugiat. In vel laoreet quam. Quisque rutrum aliquam nisi ac rhoncus. Fusce tellus dolor, dictum nec ultricies ac, gravida quis nisi. Quisque quis dolor elit. Etiam nisi ipsum, commodo euismod vehicula non, fermentum commodo nisl. Donec turpis velit, interdum non sem non,

    MAKE AN APPOINTMENT



    Top digital marketing services, Web Designing – amp; Development Company India #top #digital #marketing #services,best #web #development #company,creative #and #professional #website #designer,web #designing #services,digital #marketing #company,web #development #services,seo #services #in #india,ppc #services #in #india


    #

    Welcome to Adixsoft

    A digital marketing company with passion towards serving clients with inexpensive web development and web design services!

    Adixsoft adorns a brilliant team of passionate website development and designing professionals, who have immense experience in handling complex development and designing projects with perfection. With our dedication and commitment towards our services, we ensure to deliver our valuable patrons with high quality services that not only help in developing their online presence but also give them a base to establish their brand amidst this cutthroat marketplace. So, if you are looking for affordable website development and designing solutions with enhanced customer services, you have landed at the right place!

    3503+ Finished Project

    595+ Satisfied Clients

    22+ Country Served

    20+ Professional Team

    7+ Years of Great Success

    We are Award Winning SEO Company in india

    A top fanatical and experience SEO agency with quality on par!

    We transform your goals into achievable results! The skilled team of Adixsoft enjoys taking challenging projects on different search engine platforms to serve the patrons with outstanding performance and results.

    Adixsoft Providing Affordable and very low cost SEO packages for increasing traffic and Keywords Ranking to your website with 100% guaranteed results. Click here to view SEO Packages .

    • Improve your website ranking
    • Enhance your brand presence
    • Reach relevant targeted Audience
    • Penguin/Panda Penalty Proof Strategies
    • Boost your website traffic
    • Increase your sales revenue
    • White Label Advanced SEO Techniques
    • 100% Satisfaction Guaranteed

    Adixsoft is a fast and hard worker. He sent us several good designs and implemented our feedback within a short time. He is open for design changes, what makes it very easy to work with him.

    Christoph Hering https://swissfin.co/

    I was little nervous while choosing services from Adixsoft for my website design, as I am based in USA and Adixsoft is based in India, but I must say that they are very excellent in delivering services to their clients. I would love to take services from them in future as well.

    Andrea Miller Website: NDA, From: Direct Contact

    A great company with great services is all I can say about Adixsoft. Their technical team is excellent in handling complex projects of website development. My project was a bit difficult from my own point of view, but the responsiveness they exhibit while creating my website really needs to be applauded. Keep up the good work.

    Joshua Watson Website: NDA, From: Direct Contact

    I am really impressed with the technical proficiency and responsiveness of Adixsoft team that they show while handling my project. I would definitely recommend this organization to those who are looking for affordable and quality website development services with utmost customer satisfaction. Keep it up Adixsoft!

    John Sandrez Website: NDA, From: Direct Contact

    Excellent work and very responsive. I am going to be working with him on the coding as well as he was a pleasure to work with.

    Daniel Goldhar Website: myfreelifeinsurancequote.com
    From: 99designs

    Rarely does a promise for next day turnaround actually work out This was one of those providers that really kept his word on it. Quick work, efficient service, great pricing, and very responsive. I will definitely work with this team again!

    Robert Hadland Website: NDA
    From: Elance

    A Digital Agency Where Technical Proficiency Come Across Business Goals!



    Bank of Baroda – India s International Bank – Business Banking Services – Loans – Advances – Collateral Free Loans under Credit Guarantee Fund Trust Scheme for Small Industries #car #loan #estimator


    #free loans
    #

    Coverage of Collateral Free Loans under Credit Guarantee Fund Trust Scheme for Micro & Small Enterprises (CGTMSE):

    PURPOSE:

    • To provide collateral free loans upto Rs. 100/- lacs to Micro & Small Enterprises, as defined under MSMED Act, 2006.

    ELIGIBILITY:

    • The coverage of the Scheme is extended to all new and existing Micro and Small Enterprises (both in the Manufacturing Sector as well as in the Service Sector) as defined under MSMED Act, 2006.

    LIMIT:

    • The eligible loan limit under the Scheme is Rs.100 lacs. A borrower, who has availed certain credit facilities secured by collaterals and/or third party guarantees and is sanctioned distinct/separate credit facility without collateral security/third party guarantee, can be covered under CGTMSE scheme.

    SECURITY:

    • “Primary security” in respect of a credit facility shall mean the assets created out

    of the credit facility so extended and/or existing unencumbered assets which are directly associated with the project or business for which the credit facility has been extended. This means if a borrower is sanctioned working capital facility only, a charge can be created on the fixed assets of the unit even though the same are not financed by the Bank and the same will not be treated as collateral security. Similarly in case of sanction of Term/Demand loan on standalone basis, charge taken on current assets will not be treated as collateral security.

    MARGIN:

    • The credit guarantee cover is available up to 75% of the amount in default in respect of credit facilities up to Rs. 50/- lacs extended by the Lending Institution to an eligible borrower subject to maximum guarantee cover of Rs. 37.50 lacs and 50% for the facilities over Rs. 50/- lacs and up to a limit of Rs. 100/-, i.e. maximum of Rs. 62.50 lacs. In case of following categories of borrowers, guarantee cover is available up to 80% of the amount in default. a) Loans to Micro enterprises up to Rs. 5 lacs (85%). b) Loans to Micro and Small enterprises operated and/ or owned by women. c) All loans in North East Region including the State of Sikkim.

    GUARANTEE FEE:

    • Composite all-in Guarantee Fee as under. –


    Online school of architecture #university #of #mumbai, #sir #jj, #sir #jj #college #of #architecture, #best #architecture #college #in #india, #mumbai, #bombay, #sir #jamshetjee #jeejeebhoy, #architecture, #architectural #education, #b. #arch, #m.. #arch, #heritage, #george #wittet, #claude #batley, #c #m #master,


    #

    Outlook/Drshti survey ranks Sir JJ College of Architecture Best Architecture College in India for the Fourth Year running India s Top Professional Colleges 2016 Outlook-Drshti Survey Top 3 Architecture Colleges in India 1. Sir JJ College of Architecture, Mumbai 2. SPA, Delhi 3. Department of Architecture Planning, Roorkee For the fourth time running, Sir JJ College of Architecture has topped the list of India’s Top Colleges of Architecture 2016, an independent survey conducted by Outlook magazine and Drshti. This is an occasion of great satisfaction and encouragement to all of us here at the college and our extended family of alumni worldwide.

    Congratulations first and foremost to our excellent students who are our leaders in this achievement.

    Kudos also to all the faculty, visiting and full-time. Well done, all!

    NOTIFICATION FOR Ph.D IN ARCHITECTURE

    As per University of Mumbai s Ph.D. admission process, the candidates who desire to register for the Ph.D. degree and who have passed the entrance test (PET) conducted by the University of Mumbai and who are exempted from the test under clause no. 9 of this VCD (No. Exam/Thesis/Univ/VCD/2414 of 2010 ) shall apply in the prescribed form and submit it along with a demand draft/ cash of Rs. 100/- to the concerned college on or before 22 nd April, 2016. The application form can be downloaded from www.sirjjarchitecture.org

    Please submit the application form along with the scrutiny charges of Rs. 100/- to the Accounts Section, Sir J.J. College of Architecture, Mumbai.

    Exhibition – the Past as Present

    The Past as Present:
    Pedagogical Practices in Architecture at the Bombay School of Art

    an exhibition curated by Mustansir Dalvi

    4th to 27th February, 2016
    The Claude Batley Gallery, Sir JJ College of Architecture

    This exhibition traces the influences of documentation, decoration and design on architectural pedagogy and architectural practices in India in the late 19th and early 20th century at the Sir JJ School of Art, Bombay. The many original drawings and images on display explore this interaction.

    Architectural portfolios like the Jeypore Portfolio by Swinton Jacob (1890), the Batley Portfolio (The Design Development of Indian Architecture by Claude Batley) and Bannister Fletcher s canonical A History of. Architecture on the Comparative Method (1921) amongst others were a significant part of architectural learning, and their use in the studio forms a fulcrum around which the pedagogical practices can be understood.

    A special feature is a portfolio of drawings made by Achyut Kanvinde as a student of the Sir JJ School of Art, which, placed between the dichotomy of tradition and modernism provides a glimpse into design churnings prevalent at the cusp of Indian independence.

    The exhibition will open with a curatorial talk on February 4.

    “Geometry and Architecture”

    Venue: Sir J.J. College of Architecture
    Date: February 24th, 2016

    Registration details:
    Architects/Civil Engineers – Rs. 1000
    Students – Rs. 100
    (Payable in cash or DD in the name of “Principal, Sir J.J. College of Architecture)

    Last date for registration is 18th February, 2016
    The registration form is available below for download.

    NOTIFICATION OF ADMISSION
    M. ARCH. (BY RESEARCH, PARTLY BY PAPERS) PROGRAMME 2015-2016

    Application form, admission brochure and syllabus is now available and can be down loaded from this website from the ACADEMICS section.

    The Last Date for receiving the application form is 30th June 2015
    (Along with the Research Proposal and required documents as per the Brochure)

    Eligible candidates shall be informed about the date of the interview.

    You are cordially invited to
    An Exhibition of Fa ades and Details
    by
    Sir JJ College of Architecture

    ‘DECO ON THE OVAL’
    Celebrating Bombay s Most loved Art-Deco Facades

    at
    The Claude Batley Gallery
    Sir JJ College of Architecture
    78/3 D N Road
    Mumbai 400001

    Inauguration:
    July 28th 2015, 5:30 pm
    Shri V. Ranganathan,
    Chairman, Mumbai Heritage Conservation Committee; Former Chief Secretary, Government of Maharashtra; Former Municipal Commissioner, Mumbai and Secretary Somaiya Foundation has kindly consented to inaugurate the exhibition.

    Exhibition Open until 15th August, 2015

    DECO ON THE OVAL
    Sir JJ College of Architecture has documented the architectural facades of the Art Deco Buildings that form a stretch on the Oval Maidan. These building fronts are metonymous with Bombay s Art Deco Architecture that flourished from the 1930s to the 1950s. Bombay, even today has the largest number of Art Deco buildings in a city outside of Miami. The Oval Maidan buildings are the most ornamented and patterned and display the flourishes of architecture made possible by the use of Reinforced Cement Concrete.

    Taking freely from Art-Deco motifs worldwide, these facades are a mix of geometrical and symbolic representations, reflecting the optimism and modernity of a flourishing port city on the rise. The motifs symbolize speed, power, transportation, the sea and the tropics as well as nod to the imperial presence by commemorating them in their names- Windsor Court, Empress Court, Queens Court.

    These buildings were also possible only because of one phase of the Backbay Reclamations that were completed around 1929. Plots were clearly demarcated and the City Improvement Trust laid down guidelines that resulted in an extremely uniform positioning of the buildings on the neighborhood, matching frontage lines, and floor heights. Yet for all that there is an amazing diversity of elements and motifs on the facades, from the straitlaced to the ludic. It is little wonder that they are amongst the best loved buildings in the island city.

    Students of Sir JJ College of Architecture, along with Professor Mustansir Dalvi have recreated the facades of 18 buildings that form the Art-Deco stretch on the Oval Maidan. Using older drawings (first made in 1996) and images contemporary to their construction, they have redrawn the facades in the form they were when first constructed in the latter half of the 1930s. This exhibition of elevations also has details of architectural ornament on display, and vintage images of a few of the buildings, pristine in their newly constructed glory.

    Mumbai is set to put forward the Oval Maidan Precinct with its collection of Neo Gothic and Art Deco buildings UNESCO as a potential world heritage city. This exhibition makes a sound case for this inclusion into the list.

    Prof. Mustansir Dalvi
    Curator

    All the parents and Students are hereby informed that all admissions to B. Arch. at Sir JJ College of Architecture are always done by the Directorate of Technical Education, Government of Maharashtra.

    The rules and regulations with its date of application and brochure are available on its website at
    www.dte.org/arch

    All admissions to the Fine Art and Applied Art Courses are done by the Directorate of Art, Government of Maharashtra. The details of the courses are available on
    www.doa.org.in

    Principal
    Sir JJ College of Architecture
    30th may 2015

    Outlook/Drshti survey ranks Sir JJ College of Architecture Best Architecture College in India for the Third Year running India’s Top Professional Colleges 2014 Outlook-Drshti Survey Top 3 Architecture Colleges in India 1. Sir JJ College of Architecture, Mumbai 2. SPA, Delhi 3. Department of Architecture & Planning, Roorkee For the third time running, Sir JJ College of Architecture has topped the list of India’s Top Colleges of Architecture 2015, an independent survey conducted by Outlook magazine and Drshti. This is an occasion of great satisfaction and encouragement to all of us here at the college and our extended family of alumni worldwide. Congratulations first and foremost to our excellent students who are our leaders in this achievement. Kudos also to all the faculty, visiting and full-time. Well done, all!



    Schulich York 2017-2018 MBA Essay Writing, Editing, Tips, Analysis #schulich, #york, #canada, #mba #essay #writing, #tips, #analysis, #application, #deadlines, #mba #essays, #india, #best, #editing, #2017, #2018, #2019, #2020


    #

    Schulich York One of the most highly regarded Business Schools in Canada, Schulich is also a frequent global Top 30 ranker. Schulich provides a highly stimulating and diverse MBA education and has the potential to open doors to many new career options for you.

    Schulich York Class Profile MBA class is comprised of 30% women students and 70% male students and 41% of students come from outside Canada. Average GMAT score is 660, average age of admitted students is 29 years and the average work experience is 5 years.

    Schulich York Application Deadlines Jan 2018 intake Round 1 (05 Jul 2017), Round 2 (05 Sep 2017), Round 3 (01 Oct 2017), Round 4 (15 Nov 2017)

    Schulich York Application Deadlines Sep 2018 intake Round 1 (01 Dec 2017), Round 2 (01 Feb 2018), Round 3 (15 Mar 2018), Round 4 (30 Apr 2018)

    Schulich York Essay 1. How will the Schulich MBA degree help you achieve your short and long-term career goals? (350 words)

    Schulich York Additional Information Essay. Is there any other information or areas of concern in your academic or personal history that you believe would be helpful to the Admissions Committee in considering your application? (350 words)

    Video Essay and Timed Writing Sample

    Before embarking on these application elements, you will need:

    1. an uninterrupted 20 to 30 minutes

    2. a stable webcam and proper keyboard

    3. to be dressed in interview-appropriate clothing

    Once you are set up, please use the unique link below to record two video essays and to complete a five-minute timed writing sample. Kindly note that these must be completed in one sitting, and you only get one chance to record your answer to each question. We suggest that you review our Application Tips, above, before getting started.

    When registering, to ensure that the Video Essays and Timed Writing Sample get matched up with your application, please be sure to use the same email address that you are using for this application.

    Timed writing sample tips from York: You will have up to 5 minutes to answer a question we provide in writing. This allows us see what you come up with on the spot. We will not expect a polished product, but will continue to look for interesting ideas, correct spelling and proper syntax.

    Schulich York Resume: A detailed resume of work experience is an important part of the application process. List your work experience starting with the most recent. Clearly identify the name of firms, locations, positions held, responsibilities, dates of employment and indicate if your employment was full time or part time. Also outline your participation in any extracurricular activities, community work or other organizations. Identify the dates of your involvement in such activities. MBA Resume Writing Tips

    Schulich York MBA Essays 2016-2017

    Please answer the following questions and statements clearly and concisely ensuring that each essay adheres to the required word length requested. The following question will assist the Admission Committee in evaluating your application.

    Schulich York Essay 1. How will the Schulich MBA degree help you achieve your short and long-term career goals? (350 words)

    Video Essay and Timed Writing Sample

    Before embarking on these application elements, you will need:

    1. an uninterrupted 20 to 30 minutes

    2. a stable webcam and proper keyboard

    3. to be dressed in interview-appropriate clothing

    Once you are set up, please use the unique link below to record two video essays and to complete a five-minute timed writing sample. Kindly note that these must be completed in one sitting, and you only get one chance to record your answer to each question. We suggest that you review our Application Tips, above, before getting started.

    When registering, to ensure that the Video Essays and Timed Writing Sample get matched up with your application, please be sure to use the same email address that you are using for this application.

    Timed writing sample tips from York: You will have up to 5 minutes to answer a question we provide in writing. This allows us see what you come up with on the spot. We will not expect a polished product, but will continue to look for interesting ideas, correct spelling and proper syntax.

    Schulich York MBA Essays 2015-2016

    Please answer the following questions and statements clearly and concisely ensuring that each essay adheres to the required word length requested. The following question will assist the Admission Committee in evaluating your application.

    Schulich York Essay 1. How will the Schulich MBA degree help you achieve your short and long-term career goals? (350 words)

    Schulich York Essay 2. Describe a time when you were faced with an ethical dilemma. What strategies did you use to resolve the issue? What would you have done differently if faced with a similar situation? (350 words)

    Schulich York Essay 3. Optional Scholarship and Award consideration. Describe your involvement in activities outside of work. How have they contributed to your personal achievements and enhanced your self-development? (500 words)

    Schulich York Additional Information Essay. Is there any other information or areas of concern in your academic or personal history that you believe would be helpful to the Admissions Committee in considering your application?



    Security Guard Services in Delhi NCR #security #guard #services #delhi #ncr, #guarding #services #in #delhi, #security #guard #provider #delhi, #security #guard #companies, #armed #security #guards, #guarding #service, #security #guard #services #in #india, #security #guards #delhi, #security #guards #gurgaon, #security #guards #noida


    #

    What We Do

    Static Guards

    Unarmed and Armed: Our trained security personnel are deployed at various offices, residences and embassies to man the facilities. All of them have over 6 months onward of experience as security personnel and are adept in handing situations, security or otherwise, at the deployed venue.

    Patrol Guards

    The patrolling guards at 3P Securitas are specialists in manning guard posts over a distance. They are equipped with vehicles and mobile phones to make their job easier as well as communication between our control center and the client.

    Ceremonial Guards

    We cover conferences, weddings, summits and provide Ceremonial guards who are dressed differently to our other guards. They are experienced in handling and screening large crowds.

    P.S.O Services

    For the first time in india, you can have the privilege of hiring personal security officers (pso) who have the experience and the know how of guarding the elite in the corridors of power, both at central and state government levels. We at 3p securitas offers you the choice of hiring ex- nsg/spg commandos from armed and para military forces or trained civilian pso’s at reasonable rates.

    Bouncers

    Our strategic tie ups allow us to offer our clients, bouncers, who are professional, kind and tough. they are suitable for night clubs, conferences and other large occasions.

    Surveillance and Verification

    Our strategic tie ups with India’s top surveillance providing companies allow us to provide verified information about the subject. We also provide true and deep verification processes for clients for their employees.

    Footer Address

    Social Links



    Forensic Science, College, University, Institute, Courses, India, Delhi, Maharashtra, Online, Distance, questioned Document, Handwriting, Investigation, Degree, certificate, diploma, study – Forensic Experts India: Forensic Expert Opinion, Consult, Service, Legal, Court, Law, Handwriting, Document, Signature, Video, Delhi, Pune, Hyderabad, Noida, Society, Member, Free, Certificate #forensic #science, #college, #university, #institute, #courses, #india, #delhi, #maharashtra, #online, #distance, #questioned #document, #handwriting, #investigation, #degree, #certificate, #diploma, #study


    #

    Forensic Science, College, University, Institute, Courses, India, Delhi, Maharashtra, Online, Distance, questioned Document, Handwriting, Investigation, Degree, certificate, diploma, study

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    Pune, Pune 411043
    INDIA

    IFS INDIA is registered with Govt. of India, We provides various Forensic Science services including- Forensic Expert Opinions Under Section 45 of Indian Evidence Act on Cyber Forensics, Cyber Crimes, Questioned Document Handwriting Analysis, Signature Frauds and Forgery, Fingerprints, Forged Documents, Paper/Document Age Analysis, Cross Examination, Expert Testimony, Expert Consultation, Medico Legal Consultation, Legal Consultancy and many more.

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    Pune, Pune 411043
    INDIA

    Forensic Sciences, Cyber Forensics, Cyber Law, Crime, Security, Courses Online in India

    Delhi, Mumbai, Nagpur, Hyderabad, Bhopal, Bihar, Pune, Solapur etc
    Satara, Nagpur, Wardha, Nasik, Kolhapur, Bangalore, Bombay and other part of india
    Pune, Pune 411009
    INDIA

    IFS INDIA is a Forensic Science, Scientific and Legal Firm which provides investigations and expert’s opinions on Questioned Document, Handwriting, Fingerprint, Bank Forgery, Signature and Check Frauds, Private Investigation, Detective Services, Forensic Epxert for Court, Frauds, Signature Verification, Examination and Investigationetc.
    Our Services in- India including- Delhi, Mumbai, Pune, Noida, Hyderabad, Kolkata, Kerala, Nagpur, Bhopal, Agra, Banglore, Satara, Solapur, Sangli, Amravati

    30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    Pune, Pune 411043
    INDIA

    DNA FINGERPRINTING, DNA PROFILING, DNA TESTING ONLINE / DISTANCE COURSES, INDIA

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    Pune, Pune 411043
    INDIA

    CRIMINOLOGY AND INDIAN LAWS ONLINE / DISTANCE COURSES, INDIA

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    PUNE, PUNE 411043
    INDIA

    FINGERPRINT VERIFICATION ONLINE / DISTANCE COURSES, INDIA

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    Pune, Pune 411043
    INDIA

    FORENSIC PSYCHOLOGY, CRIMINAL PROFILING ONLINE / DISTANCE COURSES, INDIA

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    PUNE, PUNE 411043
    INDIA

    CRIME SCENE INVESTIGATION ONLINE / DISTANCE COURSES, INDIA

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    Pune, Pune 411043
    INDIA

    HANDWRITING, QUESTIONED DOCUMENT, DOCUMENT EXMINATION ONLINE / DISTANCE COURSES, INDIA

    IFS, Office No. 30, C Wing, Sixth Floor,
    K. K. Market, Pune- Satara Road, Dhankawadi,
    Pune, Pune 411043
    INDIA

    Handwriting Expert, Document Examiner, Signature Analyst, Private Investigator, Forensic Scientist



    IVF India, IVF Clinic, IVF Centre, Best Infertility Treatment, Surrogacy – Dr #dr. #anoop #gupta, #ivf #india, #ivf #clinic, #ivf #clinic #india, #ivf #center, #ivf #center #in #india, #infertility #clinic #india, #infertility #in #india, #fertility #clinic, #fertility #centre #in #india, #test #tube #baby #india, #ivf #icsi #in #india, #ivf #process #india, #ivf #treatment #india, #best #ivf #india, #ivf #treatment, #ivf, #surrogacy #in #delhi, #surrogacy #in #india, #ivf #in #india, #infertility #centre, #india #infertility #clinics, #ivf #centre #india, #infertility #india, #male #infertility #treatment, #female #infertility #treatment, #single #parenting #ivf, #single #parenting #ivf #treatment, #best #ivf #doctors #in #india


    #

    “Our mission is to transform couples
    into families using the most advanced
    IVF treatment in the safest environment.”


  • Delhi IVF – Leaders in Birthplace of Joy for the Last 24 Years.


  • Delhi IVF Delivered More Than 10,000+ ART Babies


  • 800+ Egg Donations & 729+ Surrogacy Babies.

    Do you need the right IVF doctor to start your family

    Our Services

    IVF ICSI

    IVF in India is a process done in a laboratoy to fertilize a woman’s egg and a man’s sperm into an embryo using highly advanced techniques and technology .

    Surrogacy

    Surrogacy( rent a womb), a procedure and a legal agreement to carry a baby of another couple/ single parent upto term and deliver for the intended parents. (gestational surrogacy)

    EGG FREEZING

    A technique called Egg Freezing in India is used to make the woman’s eggs available in future for those women who are unwilling to have children now and want to preserve

    IUI

    Intrauterine Insemination, a IVF Treatment to increase the chances of fertilization by placing a man’s sperms into a woman’s uterus to reach the fallopian tube for fertilization.

    Fertility Enhancing Endoscopy

    Hysteroscopic and laproscopic procedures like polyp removal. adhesion removal. myomectomy, hydrosalpinx drainage etc to enhance the chances of success in Fertility Treatment in India.

    Male Infertility

    Infertility Centre Treatment in India – Over 40-50% men are found unable to ejaculate healthy sperms or they have immotile or abnormal sperm which is the cause of not conceiving.

    Average Success Rates at Delhi IVF

    A written declaration certifying our hospital

    “Thanks a ton to Dr Anoop Gupta, Dr Alka, Dr Vinni & whole team. We have get a lovely baby boy afer 12 years with your efforts & corporation. Thanks my God & whole team of Delhi IVF Center India. We are very happy to have the baby Akshay. God Bless u all. with lots of love.”

    “Thank you very much. Thanks for giving joy and happiness in our life. We donot have word to express our feelings. Thanks a lot Dr. Anoop Gupta and his dedicated team Delhi IVF Fertility Clinic in India. Thank you very much.”

    “We just wanted to thank you a million times over for helping us to have the most amazing and spacial blessing. Your expertise is like a precious gift for us. Thanks a lot Dr. Anoop Gupta and Delhi IVF Center.”

    Thanks
    Delhi IVF Clinic

    “I would like to place my deep appreciation for the professionals, courteous and warm approach of Dr Anoop gupta and his team Best IVF India. Please keep up the good work! You have bought immeasurable joy to life of couples like us.”

    From
    Mrs. Mamta/Delhi



  • International Courier Services #best #international #courier #in #thane, #courier #service, #domestic #courier, #24 #hours #courier #service, #courier #for #usa, #canada, #uae, #qatar, #bharain, #saudi #arabia, #uk, #malaysia, #singapore, #south #africa, #japan #and #oman. #over #sea #courier, #wholesale #courier, #best #cargo #agent, #air #cargo #agent, #courier #servier #for #delhi, #chennai, #bangalore, #kolkatta, #kerala, #cochin, #local #courier, #bulk #courier, #bulk #mail #in #india, #international #mailing, #48 #hr #to #72 #hr #service #in #usa #canada #uk #and #europe.


    #

    About International Courier Speed Worldwide Express

    Speed Worldwide Express in a best international courier service that welcomes people and feels pleasure to introduce ourselves to your esteem companies. We have the most extensive domestic courier along with fastest international courier Thane network in India, covering over 27,227 locations, and service more than 220 countries.

    Speed Worldwide Express, an international courier service. is a transportation solution destination, which offers a complete help as “One stop shop” whether it is an express letter, a small parcel or a 1 ton machine that you want to ship by air, sea or land, within the same country or from one country to another.

    Speed Worldwide Express courier service is a customized program just for you and your requirements. We, at best international courier service. are totally committed to the needs of our customer and are prepared to go that extra mile to achieve goals. In these days of globalization, we still believe in the old fashioned values of one-to-one contact and personal services. We are dedicated in our zeal to provide utmost customer satisfaction by providing efficient service and regular responses. Provide up-to-date information about your shipments through our tracking system, saving your time in responding to inquiries concerning shipments. Speed Worldwide Express site at your fingertips, giving you total freedom to explore our world and to interact with us as per your requirement.

    The Speed Worldwide international courier service is an Organisation dedicated to the cause of serving the Indian in his day-to-day effort to reach his written communication message and bulk consignments to every possible nook and corner of the world safely and at the specified time to reach with safest international courier service .

    Speed Worldwide Express international courier

    Speed Worldwide Express international courier is committed to provide affordable International courier service and at the same time strictly adhering to the stringent time schedules and quality standards. Speed Worldwide Express International Couriers Thane. an offshoot of the parent company, provides international expres s Thane service with a great degree of operational versatility that allows the shipment status to be monitored on a continuous basis through its web based Track Trace System.

    Speed Worldwide Express International Courier is one of the fastest growing air express company in India providing courier, freight forwarding and allied Services. With our global courier service network of service partners and professional management we are able to provide our customers and overseas courier service partners with service that is quick and economical. We offer direct express courier services to key worldwide destinations thus passing on the benefit of economies of scales achieved to the customer. We also offer fastest international courier service. customs clearance, and door delivery of cargo anywhere in India or Overseas .



    Data Center Facilities – Datacentre Infrastructure – Data Centre Hosting Solutions #data #center, #datacentre #infrastructure, #data #centre #hosting #solutions, #datacenter #infrastructure, #data #center #colocation, #data #centers #in #india


    #

    We have worked out a model with Netmagic where our spend on IT is not only cost efficient but also gives us the flexibility to manage our cash flows. We adopted a linear way of allocating IT spends where we do not have to provision for a huge CapEx initially and we only pay for what we use.

    The team at Netmagic is always courteous, and has always extended us the highest levels of service and support around the clock, making them the hosting provider of choice for carwale.com.

    One of the key reasons for choosing Netmagic as our Infrastructure Evolution Partner was that most renowned eCommerce websites are hosted there to start with. Added advantage is that all our requirements from server hosting to cloud services, monitoring and management are all catered to by one single partner

    For the last four years we have hosted our core business applications with Netmagic. Netmagic has ensured highly available, scalable and dynamic IT infrastructure that delivers a high quality trading experience to our customers. This partnership with Netmagic has enabled us to manage costs associated with building IT infrastructure internally and we do not have to worry about power supply and operations management. The engagement and involvement of the Netmagic team in understanding our requirement is good and has helped us a lot,

    Response time from support teams, solutioning teams and senior management at Netmagic has been a WOW factor. Support and responsiveness from Netmagic has been prompt and highly involving,

    The good thing about Netmagic is that they manage their servers very well technical knowledge on how to run a data center was the key reason of us to choose Netmagic. Processes for seamless monitoring, implementation and configuration of hosted infra and the security process at Netmagic was very impressive and as per our needs

    We have been with Netmagic for a very long time. Both companies have grown together from start-ups. Netmagic enabled our growth by providing us with good reliable service, flexibility, scalability at good prices.

    Chief Information Officer

    Our core focus has been customer delight through our core offerings and we did not want to deal with any technical headaches. In addition, we planned to roll out new services like futures trading, currency deliverables and mobile trading. That is why we decided to focus on our strategic value proposition and go in for a reliable hosting partner-Netmagic

    Phani Kumar Arava

    We found a willingness and an inclination to meet our specific requirements in Netmagic s team. We are very impressed with the technical support that has been provided to us. It is a win-win situation for both stakeholders

    T. K. Subramaniam

    While interacting and evaluating various service providers, we realized that the technology spark that we wanted in a partner who could help us grow was present in Netmagic Solutions. We realized that the people who were interacting with us were great at technology. They could understand our requirements, relate it to what we needed and come up with the best possible solution based on our specific needs. So it was very natural for us to choose Netmagic Solutions as our hosting partner,

    We have a long lasting relationship with Netmagic. We have access to their senior architects, technology experts and database experts. The senior management, including the CEO, is always available to discuss issues and innovations that we might need addressed at any point in time

    Netmagic has been able to understand our dynamic IT Infrastructure requirements all the while delivering quality and timely support so that we can focus on enhancing and upgrading our business application

    Migrating a large SAP environment from one facility to another while ensuring zero downtime was always going to be a significant challenge. Netmagic s project management team and engineers worked closely with us to ensure a smooth and seamless migration of the SAP systems and network elements that exceeded our expectations.

    Netmagic s support to setup the infrastructure throughout our transformational journey has been phenomenal. They went out of their way to help us achieve our objectives. Their understanding of our needs and ability to respond to it is commendable.

    We have been running Electron for over a year and an half at BSE. Netmagic s service levels have not dropped, the team is accessible and their turnaround time (TAT) to any operational situation is fast. It is easy to reach their senior management team, which has helped build confidence in Netmagic s abilities to handle hosting of Elektron efficiently.

    Netmagic has helped us grow our business in India as well as destinations outside India. The service delivery has been good. Our users are able to upload and download content very fast, thanks to flexible bandwidth and unmatched connectivity provided by Netmagic Solutions. As we are a growing company, we plan our capacity on need basis. With Netmagic, we can provision for spikes in business by adding new servers on demand and decommission them when not required.

    Request a Quote

    Our Data Centers



    Business VoIP Services #voip #solutions #for #small #business #india


    #

    • Personal
      • Wireless Service, devices and accessories.
      • Internet, Phone, and TV FiOS service for the home.
    • Business
      • Enterprise Technology Wireless Solutions Solutions and services for organizations with 500 or more employees.
      • Business Wireless Phones and Solutions Devices, plans and wireless services for organizations with less than 500 employees.
      • Business Phone, Internet, TV Network Services Technology and network solutions designed for organizations with less than 500 employees.
      • Federal Government Solutions to modernize federal agencies and empower workforces.
      • State Local Government, Education Purpose-built services and solutions for the public sector.
      • Partners Custom solutions designed to meet the needs of an ever-changing customer network.
    • About Us
      • Verizon Corporate Global leader in innovative communications and technology solutions and services.
      • Verizon Enterprise Technologies, solutions, and services for enterprise and medium-sized businesses.
    • Overview
    • Unified Communications
      and Collaboration
      • Overview
      • Unified Communications
        Collaboration as a Service
      • Virtual Communications
        Express
      • Web, Voice and Video
        Collaboration Tools
    • Customer Contact
      Center Solutions
      • Overview
      • Contact Center
        Managed Services
      • Virtual
        Contact Center
    • Voice over IP
      (VoIP)

    Business VoIP: Voice over IP

    Move your business ahead with the right communications technology.

    Give your business a competitive edge with cost-effective voice services.

    Being competitive and improving customer service are critical to your business success. You need a competitive advantage to drive business growth and performance. We understand that the way you do business is changing. This means your communications technologies also need to easily adapt to change. Our Voice-over-IP (VoIP) services can help you do just that. We offer a broad range of IP-enabled features that help you control costs, increase productivity and improve the customer experience. You can take advantage of these network-based capabilities, whether you’ve already made the move to VoIP and deployed an IP-enabled PBX or even if you still use a Time-Division Multiplexing (TDM) PBX or Key System.

    Simplify collaboration with Verizon VoIP Services.

    Managing a voice network and a data network can be complicated and expensive. You can simplify and control costs by consolidating them with Verizon VoIP Services. VoIP services from any company can help you save money, but here’s how our VoIP Services are better.

    Keep your competitive advantage and improve business performance.

    Harness the power of Verizon Wireless and VoIP networks to give your business cost-effective, flexible communications. Our VoIP service helps you get ahead of the competition and connect your business. It lets you:

    • Add communications services easily. Bring remote locations online or add new locations as needed with our VoIP and Private IP services. Private IP lets you connect locations securely and reliably without having to use the public internet, so you can stay protected.
    • Share trunking resources for better efficiency. The Burstable Enterprise Shared Trunks (BEST) feature lets you share local and long-distance trunks across your U.S. or European sites. Sharing trunks across your sites allows you to add capacity at the enterprise level, rather than site by site, which helps you improve resource usage and control total costs*.
    • Control long-distance minute costs across your business. Our VoIP service helps you reduce long-distance calling costs by designating many terminations as on-net calls. Wireless Connected VoIP lets you make calls from your Verizon VoIP sites to any Verizon Wireless number in the U.S. without incurring any long-distance usage charges. And with our VoIP IP Enterprise Routing (VIPER) feature, you can make calls to other Verizon enterprise VoIP customers, including domestic and International terminations, and you won’t incur domestic or international long-distance usage charges, either. Calls placed between your VoIP sites do not incur long-distance usage charges.
    • Manage your network on demand from one place. We provide a customer web portal that gives you visibility and control over your network and lets you make changes whenever you need to. You can quickly re-route inbound call traffic within minutes of an unplanned event or set up hunt groups or auto attendants to help with call flows. Plus, you can review your network services to find new ways to manage costs from underused assets, then take action to capture those cost efficiencies.
    • Get the details about your network. Customizable reports give you better visibility into your network usage. These reports can help you better manage your business for things like peak busy hours, creating staff schedules to meet demand or adding call paths, so you don’t miss calls due to volume constraints.
    • Provides coverage where you need it. Verizon VoIP provides full local and long-distance voice-calling capabilities in 360-plus local metropolitan markets in the U.S. covering more than 80% of business locations. Outside the U.S. Verizon VoIP can serve as a PSTN replacement in 15 countries with full features and value-added services. VoIP service is also available in India for outbound international long-distance and on-net calling features.
    • Comes backed by years of experience and solid expertise. Verizon has over 14 years’ experience supporting VoIP services. Our specialized professionals can help you identify and design a VoIP solution that best meets your business needs. Verizon is focused on VoIP with more than 5,000 VoIP customers, across more than 80,000 sites with over three million telephone numbers. Our VoIP customer base includes many Fortune 1000 companies representing the financial, retail and healthcare industries.

    *Sufficient call capacity, site bandwidth and Integrated Communications Package required. Terms and conditions apply.

    IP communications and the cloud: the critical link

    Cloud-based IP communications can help make your workforce more agile, efficient and productive while protecting you from downtime.



    Health Insurance Plans #health #insurance #plans #online, #medical #insurance, #health #insurance #india, #health #insurance #plans, #health #insurance #policies, #health #insurance #comparison, #health #insurance


    #

    Health Insurance Plans

    Health insurance plans insure you against unexpected medical emergencies and keep your family’s finances stable during such a testing time. Keeping in mind the rising medical costs and spurt of diseases buying a health insurance is mandatory. A medical emergency can knock anyone’s door and impact a person both emotionally and financially. As a result, financial advisors suggest that it is prudent to buy health insurance plan and health care policy early in life.

    Health Insurance Plans in India

    Family Members Covered

    Pre-existing Disease Cover

    Max Bupa Health Insurance Plans

    2 adults+2 children (i.e. 4 members of the family)

    After a waiting period of 2 years

    Pre: 30 days; Post: 60 days

    20 percent (age 65 years)

    HDFC ERGO Health Insurance Plans

    2 adults+2 children (i.e. 4 members of the family)

    After a waiting period of 4 years

    Pre: 60 days; Post: 90 days

    L T Health Insurance Plans

    2 adults+2 children (i.e. 4 members of the family)

    After a waiting period of 3 years

    Pre: 60 days; Post: 90 days

    10 percent (age 80 years)

    Universal Sompo Health Insurance Plans

    2 adults+2 children (i.e. 4 members of the family)

    After a waiting period of 3 years

    Pre: 60 days; Post: 90 days

    20 percent (age 55 years)

    Reliance Health Insurance Plans

    2 adults+4 children (i.e. 6 members of the family)

    After a waiting period of 3 years

    Pre: 60 days; Post: 60 days

    20 percent (age 61 years)

    Star Health Insurance Plans

    2 adults+2 children (i.e. 4 members of the family)

    After a waiting period of 4 years

    Pre: 30 days; Post: 60 days

    20 percent (age between 61 – 65 years)

    Apollo Munich Health Insurance Plans

    2 adults max (family of 6 members)

    After a waiting period of 3 years

    Pre: 60 days; Post: 180 days

    Bharti AXA Health Insurance Plans

    2 adults+2 children (i.e. 4 members of the family)

    After a waiting period of 4 years

    Pre: 30 days; Post: 60 days

    Bajaj Allianz Health Insurance Plans

    2 adults+4 children (i.e. 6 members of the family)

    After a waiting period of 4 years

    Pre: 60 days; Post: 90 days

    10 percent at a non-network hospital

    National Health Insurance Plans

    2 adults+4 children (i.e. 6 members of the family)

    After a waiting period of 4 years

    Pre: 30 days; Post: 60 days

    New India Assurance Plans

    2 adults+4 children (i.e. 6 members of the family)

    After a waiting period of 4 years

    Pre: 30 days; Post: 60 days

    10 percent in case of per-existing diseases

    IFFCO Tokio Health Insurance Plans

    2 adults+3 children (i.e. 5 members of the family)

    After a waiting period of 3 years

    Pre: 60 days; Post: 60 days

    Religare Health Insurance Plans

    2 adults max (family of 6 members)

    After a waiting period of 4 years

    Pre: 30 days; Post: 60 days

    20 percent (age 61 years) for first claim only

    Top Reasons to Buy Health Insurance Plans

    Let’ summarize the top reasons to convince you to buy a good mediclaim health care policy .

    1. Corporate Health Cover is Insufficient

    With rising medical costs, the importance of health insurance policy cannot be overstated. Check the cost of a two day’s hospitalization for a regular ailment and then compare it with your company’s insurance coverage. When you will retire or change a job, your corporate health plan will cease to exist. So it is worthwhile to buy an individual health plan.

    2. Increase in Incidence of Life Threatening Diseases

    Sadly, India is grappling with life threatening diseases. The effect of these diseases is felt on the productive workforce from 35-65 years. Also, heart diseases among Indians occur five to ten years earlier than in any other population around the world. News about people dying in Swine flu across the country has created a panic in almost every part of India. Unfortunately, the number of people who are affected with Swine flu is more than 10,000 and the death toll has now reached to 2000. Over the last few years, the emergence of infectious diseases has increased and chances are high that these diseases may become more deadly in near future. By the year 2020, seven out of every ten deaths in developing regions are expected to be due to non-communication diseases (NCDs).

    A statistical representation of increase in diseases and emergence of new ones by Integrated Disease Surveillance programme(IDSP) shows:

    In the light of escalating medical costs, coupled with bourgeoning demand for healthcare services and lack of easy access of top medical facility to low income group, health insurance is emerging as an alternative mechanism to fight deadly diseases. Furthermore, most of the health plans offer annual health checkups to bolster health awareness.

    3. Better Financial and Heath Care Planning

    Accidents and medical emergency can happen without warning and a good health policy will ensure that you are sufficiently covered for emergencies. It is tough to compute how much you will spend on health care in a year but having health insurance plan helps you to pay for sudden medical costs. You can also buy family health plan that will cover the entire family. Usually, these family plans are much cheaper than having multiple individual health plan. Also, you can opt for critical illness plan along with personal accident cover to address your divergent health care needs.

    You can get exemption for paying the premium under Section 80D of the Insurance Act. This year, India’s Finance Minister Mr. Arun Jaitley has increased the limit of deduction in health insurance premium to Rs 25,000 from Rs 15,000. For senior citizens, the new limit is Rs 30,000. Get More Info on Tax Benefits of Health Insurance

    Besides taking care of the cost of hospitalization, health insurance companies also offer daily hospital cash allowance for expenses incurred on food, commuting from home to hospital and all other daily hospital charges. There are some insurance companies which take care of the policyholder’s recovery expenses also. Many health insurance companies have expanded their coverage ambit to include domiciliary treatment. However, these customized and high-end benefits come with higher premium so make sure to read the policy documents carefully before buying.

    Why Buy Health Insurance Plan Online?

    Acting as a one stop platform to compare available health insurance plans, PolicyBazaar offers quick, hassle free and convenient option to buy the best health insurance plan at a mouse click. Unlike earlier days, today’s life is fast paced and many of us don’t bother to buy a health plan due to daunting and tedious paper work. Thus, it is advised to buy a good health plan online and bid adieu to agents and lengthy paper process.

    7 benefits of buying health insurance plan online

        1. Complete transparency
        2. No cheating
        3. Correct advice and guidance to help you buy the best health insurance policy
        4. Online issuance of policy
        5. 24 X 7 assistance
        6. Assistance in claim reimbursement
        7. Hassle free and quick process

    Read More About Benefits of Buying Health Insurance

    Guard your health and wealth with a best health insurance policy.



    Home Loan EMI Calculator in India #bad #credit #personal #loans


    #housing loan calculator
    #

    PNB Housing Finance – Home Loan EMI Calculator

    What is a Home Loan EMI?

    Home loan EMI is the amount that is paid to the lender for the purpose of repayment of the borrowed loan to finance your home. At the time of availing a home loan, EMI is calculated by your lending institution based on the borrowed amount, sanctioned rate of interest and loan tenure.

    Home Loan EMI Calculator:

    For most of us, life’s most gratifying and rewarding project is owning a house. So do you strongly covet a property but are deterred by the bugbear of the EMI (Equated Monthly Instalments) complexities involved? Relieve yourself of the tedious and lengthy methods employed to calculate the monthly repayment amount with PNB Housing Finance – Home loan EMI calculator.

    This simple, user-friendly tool design will instantly give you the approximate value of the monthly EMI on a Home Loan. By simply entering the principal home loan amount you wish to take, duration of loan, and expected interest rate in the respective fields, this tool will calculate the EMI amount instantly giving you a reasonable idea of monthly outflow that will contribute towards your home loan repayment

    To understand how this tool will help in financing your dream home, here is a brief glimpse of home loan EMI calculation process functions, which variable options are available, and how EMI calculator crunches numbers to give you the exact EMI amount to repay each month.

    How is a Home Loan EMI calculated?

    Home loan EMI is calculated by banks on the basis of principal, interest to be paid and tenure. In the initial years of the loan, major portion of the EMI comprises of interest payable since the principal amount is large. As the loan matures, interest component decreases while the principal component gradually increases. To know more about how to strike a fine balance between interest payable and loan tenure, read the article “How is a home loan EMI calculated”



    Why Home Loan Calculators Are Necessary In India? #unsecured #loans #bad #credit


    #house loan calculator
    #

    Why Home Loan Calculators Are Necessary In India?

    Nov 16, 2015

    Home loan calculators available in India are of two types namely, eligibility calculators and EMI calculators. All financial institutions provide their customers with these calculators to help simplify the entire home loan process from the application to the repayment stage. Each calculator can be used for a variety of needs and have a number of benefits.

    Home loan eligibility calculator

    This calculator is used by individuals who plan to apply to a financial institution for a home loan. Even before the application is sent in, this calculator is used to find out how much loan the individual is eligible for. The calculator takes into account the individual’s monthly income, age and the percentage of interest they are willing to pay and the tenure of their choice. Once the amount is calculated the individual has an idea as to how much loan they are eligible for and if required can take steps to be eligible for a higher loan amount. The calculator helps ensure that the individual’s home loan application has a higher chance of being approved. In the cases where the individual wishes to apply for a home loan amount which is higher than what they are eligible for, they can take steps like getting another earning family member to co-sign the loan or improve their credit score. Without this home loan calculator in India being available, the number of home loan applications rejected would be higher.

    This calculator provides a number of benefits for the borrower. Once the home loan application has been approved by the financial institution, the individual has to start planning on how to repay the loan. This calculator takes into account the principal loan amount, the interest charged and the tenure of the loan to calculate the monthly EMI. Having this knowledge in had allows the borrowers to plan and take steps to ensure that they make their payments on time. The EMI calculator can also be used by those who have opted for a floating interest rate. The calculator helps then calculate in advance the different possible EMI amounts that they may have to pay based on changes in the interest rate. The type of a home loan calculator in India helps one not only plan their finances but also calculate the correct amounts to ensure no defaults occur.

    Home loan calculators in India provide a huge amount of help for the financial institutions’ customers who may have trouble calculating their loan amounts and EMIs. It helps ensure quality loan applications and on time payment of EMIs which is a huge benefit for both the borrowers as well as the financial institutions that provide the loans.



    Payment Gateway India, Payment Gateway Provider, eCommerce Payment Gateway in India #online #payment #gateway #providers, #online #payment #gateway #india, #online #payment #gateway #providers #in #india, #online #payment #gateway, #best #online #payment #gateway, #online #payment #gateway #in #india, #online #payment #services, #online #payment #processing, #internet #payment #gateway, #online #payment #gateways #in #india


    #

    Payment Gateway India, Payment Gateway Provider, eCommerce Payment Gateway in India – EBS

    Latest News

    The talk of not just the town, but the country as a whole is the demonetization stint pulled by the Government on the 8th of November, 2016. While.

    India has now more than 1 billion mobile subscribers, out of which 204 million are smartphone users (Statista). The vast mobile base of Indian.

    India, one of the fastest developing large economies, has recently launched an initiative called Startup India. The intention of this initiative.

    The Indian mobile commerce space is blossoming and now has all the major international eCommerce players vying for presence and hold. The mobile.

    Testimonials

    Mr Piyush Shekhar

    Having already tied up with multiple payment providers what we essentially were looking is to associate with a partner who delivers a very high success ratio.

    EBS has delivered a solution which is perfectly suited for us, what sets EBS apart is their approach methodology which took into consideration our basic requirement and built a solution around this. Delivering the solution is a highly capable and focused team which took the time to resolve every query and a support team which assists us at any given hour. We truly have been left speechless by the quality of service delivered and hope to have a long and fruitful relationship with EBS.

    Shifting our website to EBS payment gateway has been the wisest decision we have made. The earlier payment gateway that we had was highly unstable and was prone to frequent server outage. We were losing a lot of sales due to this.

    With EBS’s reliable and fast servers, there is 0% downtime. This has increased our website’s reliability and our customers are much more comfortable with placing their orders with us. The payment processing is very fast and effective. We have also seen an increase in repeat sales on our website, one of the reason for this is the effective checkout process of EBS.

    EBS’s customer support and fraud prevention tool is very effective and has helped us in filtering fraudulent transactions.

    I wish the entire team at EBS all the best to ensure that similar level of service are maintained.

    “Thank you EBS Team for providing such a wonderful, easy payment gateway. which has increased our sales by 30% in this competitive world, by providing the low TDR and direct cash deposit in our Axis Bank account in 24 hours. which resulted in lowering our products prices on our website and issuing payment’s to our vendor’s across globe on their desired date or when required.

    I also thank EBS team for the Online Net Banking feature which will again result in increase in sales of 20% and thus increasing our ROI and Income.

    EBS support team is also the best and highly qualified which provides support when called and resolves the issues relating to failed payment or on website in less than 30 Min’s time.

    Again Thanks for EBS and keep it UP!!”

    Being India’s Largest Educational Organisation, we are very pleased to inform you that we are using EBS payment gateway since last 3 months. We find that it is functioning very smooth and also touching a very high level standards and safety features.

    Apart from this we are very greatful to you and your team members for such kind of support during the entire duration from signup to integration and later on. When we require a training to understand the complete process your support was very appreciable. Again thankful to EBS for such kind of support.

    Mr. Manish Mohta

    Leading Online Education ERP Partner

    I wish to put on record formally that we have been associated with numerous payment service providers in the past. What we were however looking for was someone where we did not feel like “just another client” and where our requests or issues were attended on priority.

    In EBS we have found that not only do you provide a high success ratio, all possible payment option, latest features and reports but you also provide un-interrupted personal support. It is as if EBS is more of an extension of our organization rather than a vendor.

    We wish you all the success in this domain.



    Personal Banking, NRI Banking, Personal Loan & Home Loans – IndusInd Bank #personal #banking, #personal #banking #services, #personal #banking #india, #banking, #banking #in #india, #indusind #bank


    #

    PERSONAL

    Never share your ATM PIN with anyone.

    Always collect your card and transaction slip once you have completed your transaction.

    Report the loss of a card to the bank immediately.

    Log off from Internet Banking after every online banking session. Don’t just close your browser.

    Always check the last log-in to your internet banking account.

    Always use a secure browser connection (https://) while entering your personal and financial details.

    Check on the security certificate of the site where you are sharing any information.

    Be wary of emails requesting information- Do not provide sensitive information through email, and use caution when clicking on links in email messages.

    Keep Your Passwords Secret – Online passwords, including your ‘Verified by Visa’ password or ‘MasterCard SecureCode’, should be kept secret the same way as your ATM PIN (Personal Identification Number).

    Result

    • In case of any grievance / complaint against the Depository Participant Indusind Bank Ltd:
      Please contact Compliance Officer Mr. Vishal Nayak on email-id ( reachus<>indusind.com ) and Phone No. – 91- 1860 500 5004 .
    • No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your Bank to make payment in case of allotment. No worries for refund as the money remain in investor’s account.

    Consequent to the introduction of an amendment to Section 194A of Income Tax Act vide Finance Bill 2015, TDS provisions would be applicable to Recurring Deposits (RDs) with effect from June 01,2015 and Tax At Source will be deducted as applicable.

    IndusInd Bank Limited Registration Number NSE: INE231308847. MCX Stock Exchange Limited: INE261314434 for dealing in currency derivatives segment

    Prevent unauthorized Transactions in your demat account. Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from NSDL/CDSL on the same day. Issued in the interest of investors.

    Prevent unauthorised transactions in your Currency Derivative Segment(CDS) Account.Update your mobile numbers/email IDs with CDS Operations
    ( cdsops<>indusind.com ). Receive information of your transactions directly from Exchange on your mobile/email at the end of the day.Issued in the interest of Investors.

    KYC is one time exercise while dealing in securities markets – once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.

    As per SEBI guidelines we are dispatching new format DIS (Delivery Instruction Slip) to those demat clients who are still using old DIS. Please note that old DIS cannot be accepted on or after January 7, 2016 as per the provisions of SEBI circular.”



    The ICFAI University Tripura # #the #icfai #university, #the #institute #of #chartered #financial #analysts #of #india #university #tripura, #ugc, #mba #in #india, #full-time #campus #mba, #master #of #business #administration, #best #mba #program, #distance #learning #mba #program, #bba #program, #b.tech #program, #b.tech-lateral #entry, #engineering #program, #mca #program, #ma(education), #bca #program, #best #college #and #business #school #in #india, #mba #correspondence, #mba #distant #program, #mba #rankings, #distance #learning #courses, #distance #education #mba, #bba-llb #program, #b.ed #program, #flexible #learning #programs, #private #university #in #india, #bachelor #and #master #degree #courses, #india, #tripura, #agartala, #hyderabad, #mumbai, #bangalore, #kolkatta, #new #delhi, #government #recognized #university


    #

    IU Tripura

    IU Tripura

    The ICFAI University, Tripura was established in 2004 through an Act of State Legislature (Tripura Act 8 of 2004). The University has been approved by the University Grants Commission, under Section 2(f) of the UGC Act, 1956. The University a member of the Association of Commonwealth Universities, London, the Association of Indian Universities, New Delhi and the Federation of Universities, India. >>>

    Undergraduate Study

    The ICFAI University, Tripura is committed to provide new career-oriented educational programs at Bachelor’s and Master’s level in management, finance, science and technology, education and other areas. To provide high quality, value-based, careeroriented education for students. To facilitate students in understanding, developing, integrating and applying both core and specialized concepts and practices.

    Postgraduate Study

    The ICFAI University, Tripura is committed to provide new career-oriented educational programs at Bachelor,s and Master’s level in management, finance, science and technology, education and other areas. To provide high quality, value-based, careeroriented education for students. To facilitate students in understanding, developing, integrating and applying both core and specialized concepts and practices.

    International Admissions

    The University Campus based at Agartala is a lush green campus spread over 32 acres over 6 lakhs sq. ft. of built-up area. Campus also provides latest teaching aids and is Wi-Fi enabled. The University campus is operating its functions from own premises. Class rooms are well-equipped with latest audio-visual equipments, LCD Projectors and there are many other facilities. >>>

    Admissions 2017

    The ICFAI University, Tripura (referred to hereafter as the University) was established in 2004 through an Act of State Legislature (Tripura Act 8 of 2004). The University has been approved by the University Grants Commission, under Section 2(f) of the UGC Act, 1956. >>>

    Why IUTripura

    The University is administered as per the relevant, Statutes and Rules. The Board of Management is headed by the Chairperson and has the President and others as members. The Academic Council chaired by the President is responsible for all academic matters. >>>

    Continuous efforts are made to strike an appropriate balance between the students’ classroom activities and out-of-classroom activities. They work hard in class, but also channel their energies into diverse activities such as organizing seminars, and guest lectures on contemporary issues, participating in inter-college competitions, etc.>>>

    What people say

    IU Tripura is an academic institution par excellence. Being associated with ICFAI even in the remotest way takes one, miles ahead. There are several academic institutions but ICFAI and IUT stand apart. Under the leadership of Dr. Ajay Pathak and Prof. Biplab Halder, IU Tripura adds to the laurels already established by ICFAI. Great to be part of such esteemed institution. >>>

    The ICFAI Group

    ICFAI was established in 1984 as a not-for-profit society with the broad objective of empowering citizens through world class quality education. The Institute announced its arrival into the Indian education fora by innovatively launching the CFA Program in 1985. The CFA Program was a unique program in finance aimed at equipping students and working professionals desiring a contemporary finance qualification to help them in the competitive corporate world. Since its establishment, ICFAI Group has made a significant mark in the Indian educational field with a pan- Indian network and presence. >>>

    Message from VC

    I am pleased to welcome you all to our campus at ICFAI University, Tripura, a campus full of joy and life amongst the greenery at Agartala. When you join our campus you would be entering a temple of learning where you would be acquiring the latest Body of Knowledge through contemporary course curriculum. Our curriculum is designed as per industry requirement to be delivered by faculty members having vast industry experience backed by pertinent academic qualifications. Your four year study at the campus will enable you to become sharp and practical. >>>



    Mussoorie International School #mis #india, #best #boarding #school #in #mussoorie, #mussoorie #boarding #schools, #girls #boarding #school #in #india, #best #boarding #school #for #girls, #all #girls #boarding #school, #girls #boarding #school #in #dehradun, #admission #mis #school, #leading #boarding #school #for #girls, #residential #boarding #schools #for #girls, #international #schools #in #mussoorie, #top #icse #school #in #mussoorie, #girls #boarding #school #in #uttarakhand, #igcse #boarding #school #mussoorie, #boarding #schools #in #mussoorie, #girls #boarding #school #in #dehradoon, #boarding #schools #for #girls, #best #igcse #boarding #school #for #girls, #best #girls #boarding #school, #best #boarding #school #in #india


    #

    ” There is no place like Mussoorie International School. The way Mr.Dutta taught me Art, no one can. Please tell the girls to listen to him and make the best use of their stay as teachers at MIS are the best. “

    Pallavi Siotia (ISC 2000)
    Degree in Textile Designing London Institute, Chelsea, Foundation Course of Art Camberwell College of Arts, London

    ” Every aspect where I flourish today is the legacy of MIS. “

    Anjali DA´Souza (ISC 1997)
    Hotel Management, Meritt Swiss Asian School of Hotel Management, Ooty

    ” MIS gave me the will to take a stand and rough it out when I had to. The years I spent at MIS were the best years of my life. “

    Pooja Puri (ISC 1997)
    B.Com (Hons) Jesus Mary Delhi, MBA – IMT

    ” Ever grateful to MIS for instilling in me the keen sense of responsibility with which I go about in every aspect of my work. “

    Priti Jain (ISC 1998)
    B.A. (Hons) Economics, Ferguson College, Pune test

    ” All that I am today and will be is the gift of MIS. “



    Outsource Web Development India, Web Development Outsourcing, Web Development Company #web #development #india,outsource #web #development,web #development #outsourcing,outsourcing #web #development,web #development #company #india,india #web #development,web #development #in #india


    #

    Offshore Web Development India | Outsource Web Development

    We’re obsessed passionate about Web Development and our mission is to use the right mix of technologies to come up with the right online solutions for your business!

    Smart technology, delivered with creative design is what Webworld is all about! Combining our solid domain experience, technical expertise quality-driven delivery model, we offer end-to-end web development solutions services.

    Webworld Experts is a multi-talented web development company that delivers winning web development solutions with unparalleled creativity at design. We ensure that you are always ahead of your competition as far as online technologies are concerned through the use of effective web development methodologies and reduced development costs. With around 6 years of experience under our belt, Webworld Experts can develop the right solutions for your online success!

    We are an offshore web development company located near New Delhi, India and offer full-cycle development services in the areas of web application development, web portal development web based software development.

    Howsoever you call it: a website, web portal, web application, database solution, bespoke web based software — Webworld has the required experience and expertise to do it all!

    What we do: We Program Your Ideas to Reality!

    We custom develop stable, fast loading, standards compliant, secure scalable web applications! Our objective is to take your ideas use our Design, Programming Flash skills to convert it into reality! Your project may require development of anything ranging from simple scripts to complex web applications and in order to realize your business ideas, we will do whatever required to convert your business ideas vision into reality!

    It look’s like you don’t have Adobe Flash Player installed. Click here to install now »

    Established, Mature ISO 9001:2008 Certified Web Development Process.

    We have a 6-Phase Web Development Process with built-in, stringent quality control measures which ensure the quality of final web application. Extensive Prototyping Incorporation of Client Feedback are the greatest strengths of our Development Process.

    A total of 6 phases multiple client reviews in each phase ensure that a normal project passes through client review around 15 times during the development of the project. Our web development process is something, our clients are very comfortable with like about us.

    Solid domain exposure experience

    We possess a solid domain exposure and have developed applications in various popular domains including but not limited to 1) eLearning, 2) classified advertising, 3) job recruitment portals, 4) social networking bookmarking websites, 5) news portals, 6) custom developed CRM systems, 7) web enabling of legacy systems etc.

    We use Our Web Development Framework for all large medium scale development. Some of the main features of our Framework include 1) 100% separate of presentation business logic, 2) automated locate management for multilingual features, 3) adequate page controller mechanisms, 4) support for SEO friendly URLs, 5) close integration with jQuery for AJAX JavaScript support etc .

    Price competitiveness: We boast of our competitive price quotes! Get a Quote now!

    We understand Cross Cultural and Time Zone issues.

    By virtue of working with clients in 20+ countries. we have gained a better understanding of cross cultural differences in likings have also improved on our ability to adapt to time zone differences.

    Our Quality of work speaks louder than our words!

    Our impressive reputation, testimonials and portfolio provide full testimony of knowledge, skills, creativity, exposure expertise of our web development teams. So, don’t forget to check them out!

    Benchmarks of our Service!
    Seamless communication Commitment to Deadlines are the benchmarks of our web development service.

    WE NEVER FAIL ON THESE TWO and can even go to an extent of offering a money back guarantee if we fail to do so.

    WebWorldExperts is a company you can trust and rely on to develop any type of web application. For the development of my project, they exceeded all my expectations and were very helpful in providing design recommendations and technical consultation. More importantly, they delivered all the requirements on time and within budget. With all their services and capabilities combined with their cost effective pricing, WebWorldExperts is in a class of its own. I received many competitive bids but none could compare to the value that they provided. I am 100% satisfied with the website and would recommend their services to anyone.

    • Automotive
    • Banking Financial
    • Communication Services
    • Education
    • Entertainment Media
    • Healthcare
    • Insurance
    • Non-profit
    • Online Commerce
    • Real Estate
    • Technology Services
    • Travel
    • Web Startups
    • E-commerce Websites (Both B2C B2B)
    • Content Management Systems (CMS)
    • Dynamic Websites with Backend/Admin features like Newsletters, Blogs, Forums, Polls, Surveys, RSS, Reviews Ratings, Visitor Tracking, Website Statistics etc.
    • Custom developed ERP / CRM Systems integrated with online web applications websites.
    • Custom developed Online Service selling web sites/applications.
    • Custom developed websites with integrated accounting systems.
    • Customized File Document Management System
    • Calendar Event Management Systems
    • Digital Media Access and Organization
    • Portfolio Managers Image Galleries
    • Enterprise Information Portals
    • E-learning Systems
    • Payment Integration with a variety of Payment Gateways.
    • Advanced custom developed website statistics system to track information which is not tracked by most out-of-the-box web analytics tools.
    • And many more…
    • Tell us about what you are planning to build let us Call You Back to discuss the possible options. Request a call back now and one of our project managers would give you a call to discuss your project the cost estimates for your project. We will also provide you with helpful tips on how Outsourced Web Development can be made a success!

    Benefits of Outsourcing Web Development Services

    Web development outsourcing is a recent trend in the offshore outsourcing arena but today a large number of companies worldwide are outsourcing big small web development projects to India. Web development outsourcing has several benefits but the prime reason for outsourcing web development services is that it helps you save up to 60% of your total costs! Web software development outsourcing also helps your company to focus on its core competencies leaving the non core ones for your outsourcing partner.

    Important Keywords: web development india, offshore website development, outsource website development, website development outsourcing.

    By outsourcing web development work, you not only get access to creative web developers web development companies but also you get their services at much cheaper affordable pricing as compared to other western countries like US, UK, Canada, Australia, Germany etc. The high levels of analytical abilities strong programming skills of web developers in India is one of the prime reasons why outsourced web development services have flourished in India lately. Outsource web development services today give your business a competitive advantage!

    Search Keywords: web development company india, web development new delhi, offshore web development india, outsource web development india.

    Want to know more about our Web Development Services?



    5 Banks Providing Cheapest Home Loans in India #business #loans #calculator


    #cheapest home loans
    #

    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:



    One Year, Part Time, Executive, Fast Track MBA programs in India #one #year #mba #programs #in #india


    #

    IBMS – The Top Distance MBA Colleges In Mumbai For A Career Course

    MBA being one of the most favored education in India today, most of the professionals and students are in search of a good college or University to pursue some specialized MBA programs in India. Especially for these who would like to go for an online MBA in Mumbai. Institute of Business Management Studies (IBMS) brings a favorable opportunity to education seekers, who would like to do online MBA programs in Mumbai with specializations such as Marketing, Finance, HR, Systems, Productions, Operation, or BPO and Hospital Management. We provide an opportunity for world-class education through our quick fast track courses as well as regular online MBA programs .

    We are among the top MBA colleges in Mumbai:

    As an institution for online and distance learning, IBMS has prepared an excellent course curriculum which aims at offering specializations in specific fields that are contemporary and requires advanced management. We ensure the best in all verticals that we provide as a MBA program to our learners. Being one of the most reputed distance MBA colleges in Mumbai. we ensure you receive the best exposure, study materials, and guidance to excel your understanding and career. Our endeavor to provide online MBA programs in Mumbai is aptly certified with some of the best institutions of the world recognizing online and distance education in the post-graduation level.

    Finest education in the IBMS as one of the most preferred distance MBA Colleges in Mumbai:

    There are more reasons than one why our MBA programs are well adored among business individuals and professional from all corners of the country. To sum up a few we have:

    • Specialized course curriculum developed with years of experience and a dedicated team of experts
    • We ensure strong fundamentals to be incorporated as per the choice of specializations
    • We have a wider range of online MBA programs in Mumbai to cater to multiple spheres
    • We have a flexible timing options
    • You can choose from a wide range of fast-track or regular MBA programs
    • The fee structure is at par with most of the best MBA colleges in Mumbai
    • Quality education is our motto and we endeavor to offer you the best in class coaching and training

    Shape up your career in one of the best MBA colleges in Mumbai:

    Institute of Business Management Studies offers the best opportunity to excel in career through its placement systems in some of the reputed industry giants. We always offer the finest academics and imply skillful learning methodology for the easy access of our learners. With our online system of education and right kind of mentoring we ensure the best skill-sets are offered to each one of our learners through the distance mode of education.

    We have mentioned the course, duration, eligibility and syllabus along with fee structure for easy understanding of our learners in the subsequent sections. Please let us know if you need any further assistance or clarifications on this aspect while choosing your preferred career option.

    Contact us today to go for online MBA in Mumbai from one of the best distance MBA colleges in Mumbai. We are committed to grow your career!



    Executive MBA #executive #mba, #best #executive #mba, #executive #mba #in #india


    #

    Executive MBA

    The Executive MBA program is a program that is specially designed for professional managers and executives who want to accelerate their career growth. This program is made up in such a way that it helps executives who already have the basic knowledge of business but just want to add on to their management skills. The EMBA program brings together the expertise of the students (because of their experience) in such a way that managers can learn from one another.

    Executive MBA is a degree that offers a lot of flexibility. With the growing importance of MBA education, there are so many institutes in the country that are offering one-year executive MBA programs. Since some of the students who also continue to work and hence are fully employed, there is no need for compulsory internships. More over, the classes are help in the evenings and also on weekends so that an executive can continue with his work at the same time study. These programs have been highly successful in imparting leadership and highly qualified managerial skills in executives. This helps employees as it boosts their confidence.

    There are certain companies that sponsor their employees EMBA because the skills that the students are equipped with, in turn helps the company and the employee can then become a good asset for the company. Students doing EMBA have an advantage because they can apply all the concepts that they have learnt in the class in their jobs. An executive MBA program truly offers a distinctive learning experience.

    There are many modes of doing an executive MBA. It can be done through a distance learning course or can be taken up online as well. But selecting a good EMBA institute is very necessary as that will help to add credibility to your career and this should preferably be part time/full time program where the executive is actually being part of a classroom scenario.

    Pages

    Categories

    Recent Posts

    Blogroll

    Copyright 2008. All right reserved. Theme by deniart



    Credit Cards – Apply Online #credit #card, #credit #cards, #credit #card #india, #credit #cards #india, #best #credit #card


    #

    American Express Credit Cards

    American Express Credit Cards offer you:

    24X7 Platinum Assist

    Zero Lost Card Liability

    Online Fraud Protection Guarantee

    Emergency Card Replacement

    Membership Rewards
    Find more reasons to celebrate with Membership Rewards Points on your American Express Platinum Travel Credit Card. Earn 1 Membership Rewards Point for every* Rs. 50 spent. Redeem your Points for fabulous Rewards from over 500 redemption options, or additional Travel Vouchers and Taj Group vouchers.

    Redeem your Rewards Points for an array of stunning Rewards on your American Express Platinum Reserve Credit Card .Choose from a hand-picked selection of couture labels like Jimmy Choo, Bottega Veneta, Mirari, Tumi and more.

    Earn 16 JPMiles on every* Rs. 150 spent for revenue tickets booked on www.jetairways.com using your Jet Airways American Express Platinum Credit Card

    Platinum Conceirge
    With the American Express Platinum Reserve Credit Card and Jet Airways American Express Platinum Credit Card you are automatically entitled to use our premium Concierge Service. The dedicated team is on call 24 hours a day for assistance with services like delivery of flowers, booking movie tickets, dining reservations, etc.

    Platinum Assist
    You will automatically gain access to Customer Services 24 hours a day to answer any queries you may have about your American Express Credit Card membership.

    In order to apply for an American Express credit card, you must meet the following criteria.
    – Be over 18 years of age
    – Have a good credit history and no payment defaults
    – If Self-Employed, your company should have been trading for at least 18 months (or 12 months if you hold an existing American Express issued Card).

    * Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services include providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations; public housing societies and apartment associations.

    1. Welcome Gift is available only in the 1st year of Card membership on payment of the Annual Fee and taking the first charge on the Card.
    2. MakeMyTrip.com Offer Terms and Conditions apply.
    3. Please click here for the detailed terms & conditions.
    4. For domestic flights, 5% cashback is applicable only on return flights and is capped at Rs. 500. For International flights, 5% cashback will apply only on base fare and is capped at Rs. 3,000. For all other travel categories, 5% cashback is capped at Rs 3,000 (For Domestic and International Holiday booking, the 5% cashback will be calculated on the non-air component of the holiday package and will not be applicable on airfares and taxes). 5% cashback is restricted to 2 transactions on each travel category per month. Travel categories are flights, hotels, holidays and flight + hotels. Bus, Bus plus hotel, Rail and Car bookings are not eligible for 5% cashback.The cashback will be credited to your Card Account within 21 days of the transaction.

    Our Card categories:



    Personal Loans in India – Apply for Personal Loan Online @ Fullerton India #online #car #loans


    #apply for personal loan
    #

    Personal Loans

    We all have needs and aspirations that remain unfulfilled due to the gap that exists between dreams and reality. And this is where a Fullerton India Personal Loan can help in making a difference in your life. No matter what your financial needs are – unexpected expenses, a medical exigency, school or college admission, wedding in the family, home improvement or that long awaited vacation; whatever the occasion, our range of Personal Loans can help you meet your needs. The procedure is simple and quick. You do not have to hypothecate any collateral or property to avail this loan. All you have to do is to follow some simple steps and help our team understand your requirements.

    FAQs

    • A continuous relationship based funding model to meet finance needs as and when required through a variety of products
    • Flexibility with regards to the loan based on the requirement
    • KYC or ‘Know your Customer’ formalities and documents
    • Proof of Income and expenditure
    • Application Form and Legal formalities
    • Who can apply for a Personal Loan?

    Fullerton Personal Loan is available for salaried individuals as well as self-employed individuals.

  • Do I need to hypothecate my assets or provide any other collateral to avail a Personal Loan from Fullerton India?
    You do not need to hypothecate any assets to avail a Personal Loan from Fullerton India.
  • What is the maximum loan amount I can avail?
    You can avail up to ` 20 Lakhs if you are salaried and ` 30 Lakhs if you are a self- employed businessman. The actual loan amount eligibility will be calculated based on your income and other parameters that the Fullerton India Relationship Manager will explain.
  • What is the minimum and maximum Loan tenor I can avail?
    You can repay your loan over a period of 12 months to 48 months.
  • How much would I need to repay each month?
    At the time of booking of your loan, the EMI (Equated Monthly Installments) will be calculated based on the loan amount sanctioned, interest rate and the tenor.
  • What is an EMI?
    EMI or ‘Equated Monthly Installment’ is the convenient monthly amount that you have to service to pay back the loan availed. The EMI consists of both the principal and interest components.
  • Can I foreclose or prepay my loan?
    You can foreclose your loan after a minimum period of 6 Months.
  • Is there any advantage that I can get if I have already availed a Fullerton India loan earlier?
    Yes, if you are an existing customer of Fullerton India, you will get additional benefits on the processing time as well as the interest rate. What’s more, you will be eligible for a pre-qualified Top Up on your existing Principal Outstanding.
  • Why shouldn’t I avail my sudden need for cash through a ‘cash advance’ on my credit card?

    Your credit card can be an option, but withdrawing cash using a credit card can turn out to be very costly if you do not repay it quickly. Interest rates on credit card cash withdrawals can go as high as 40 per cent on an annual basis depending on the type of card you use and you also do not get the interest free period to pay back. In short, interest is charged from the moment you withdraw the cash. There is also an additional transaction charge that is levied on the withdrawal at the ATM. In comparison, a Personal Loan is cheaper and the repayment can be spread over a long period.



  • O General 1 #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner #price #list #in #india, #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner #price #list #online, #price #list #of #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner, #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner #prices #in #india


    #

    O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

    • The price of O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner ranges from lowest price Rs 54812 to highest price Rs 61500.
    • O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner is available at a best price of Rs 54812 from Amazon.
    • The latest price of O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner was fetched by us on 4:48:59am 14-07-2017.
    • Price of the O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner above is in INR/Indian Rupees.
    • The prices for air-conditioners like O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner are valid in all major cities of India like Ghaziabad, Kolkata, Bhopal, Bhubaneswar, Gurgaon, Agra, Thane, Surat, Allahabad, Mysore, Noida, Chennai, Ahmedabad, Pondicherry, Pune, Navi Mumbai, Mumbai, Jaipur, Cochin, Trichy, Trivandrum, Indore, Ranchi, Chandigarh, Lucknow, Ludhiana, Coimbatore, New Delhi, Bangalore, Madurai, Meerut, Srinagar, Bengaluru, Delhi, Hyderabad, Nagpur, Patna, Amritsar. The delivery feasibility and charges may be varying, hence for them please check with the particular seller or store.
    • Although we make a lot of effort to get you the best and the most accurate prices, we cannot guarantee this in every case due to the dynamic nature of online information. Hence you are requested to go through the actual store listings in detail before making a purchase.
    • The payment options available can vary from seller to seller, but a generally they are Credit Card, Cash on Delivery(COD), NetBanking, Debit Card, EMI(Equated monthly Installments) etc.

    O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

    Product Description

    O General 1.5 Ton Inverter ASGA18JCC Split is a inverter split air conditioner with a capacity of 1.5 ton. It is powered by a tropical rotary compressor and works on refrigerant namely r410a (cfc free). The distinguishing features of this air conditioner are. Auto Restart Automatic air flow adjustment Up/down Swing Flaps Double swing automatic – 3D Wide angle louvers Long-life ion deodorization filter Type: Inverter Split Air Conditioner Powder coated outdoor unit Program Timer Anti-corrosion treatment for ODU and heat exanger fins Tonnage: 1.5 Ton Sleep timer

    Dimensions

    This air conditioner has dimensions of Indoor unit (depth. 228, height. 320, net weight. 14 kg, width. 998) Outdoor unit (depth. 298, height. 620, net weight. 40 kg, width. 790).

    Main Features

    O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner has many features like sleep timer, quiet operation, program timer, wireless remote controller, automatic air flow adjustment, anti-corrosion treatment for odu and heat exanger fins, auto-changeover, double swing automatic – 3d, up / down swing flaps, removable and washable panel, 900 m3/hour air circulation, 26 db indoor sound level, auto restart, 2.8 ltr/hr moisture removal.

    Power Consumption

    O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner has an Energy Efficiency ratio (EER) of 3.51 w/w. It requires a power supply of 220-240 / 1 / 50 and has power consumption of 1480 watts.

    Filters

    This air conditioner also has various filters like long-life ion deodorization filter.

    About the brand

    O General is an established and very popular brand in the current Indian online market scenario. Products by the brand O General are available at stores like shopclues, industrybuying, flipkart, amazon, croma, ebay. It sells various items under the categories air conditioners.

    Specifications for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

    Price Chart for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

    We have analysed price data for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner for a period of 89 days. The price chart shows following things:

    • The lowest price has been Rs 52990.
    • The highest price recorded is Rs 55000.
    • The average price is Rs 54527.

    Our Recommendation for buying O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

    The best price of O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner has not shown much overall variation over the recorded period. There is a general increase for the best price over the time. Since O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner is at a price more than its best price right now, our recommendation will be to buy it at best price in India of Rs 54812 or if you are very sensitive about price, then wait for sometime for price to reduce or a deal for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner to come up.

    Alternatives to O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

    • Split Type
    • 1.5 Ton Capacity
    • Eer: 3.55
    • 5 Star Energy(star) Rating

    • Split Type
    • 1.8 Ton Capacity
    • 4 Star Energy Rating
    • Hermetically Sealed Rotary Type Compressor


    Low Interest rate, Cheap Home Loans from India – Low interest rate housing loans, Low interest rate Housing loans, Low floating rate Home Loans, Low fixed rate Home loans #loans #till #payday


    #cheapest home loan
    #

    Home Loan Interest Rate In India

    Low interest rate housing loans for new construction, purchasing a resale flat, home renovation loans, plot and land loans are now available instantly online. Check out both fixed rate and floating rate low interest rate loans from. Also check your eligibility for a Home Loan from and apply for a Loan Online. You can also find out your tax savings on the home loan and plan the Loan tenure to maximize the tax saved. Low interest rate Loans from are available for purchase of a under construction home, resale home, Low interest rate loans for home renovation and loans for purchase of a plot.

    Find out which Lender is willing to extent the lowest rate loan to you in just 7 minutes. Over 35 top Lenders online.

    Submit your personal profile, income level and details of assets that you own. This information will be instantly compared with the Loan Eligibility criteria of various Lenders and within minutes you will find the Cheapest Lender. You can often further bargain with the Lender who may offer a discount to the Rack Rate that we will display here, once they have checked your credit history after scrutinising your original property documents and income statement. In order to get lenders to compete for your account, please use the FREE Apply For a Competitive Quote form.



    5 Banks Providing Cheapest Home Loans in India #what #is #an #fha #loan


    #cheapest home loans
    #

    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:



    NRI Home Loan, Interest Rates, Calculator, Home Loans For NRI In India #provident #loan


    #home loan interest rate
    #

    You are here

    Your work might have taken you abroad but the yearning for the homeland remains unabated. With HDFC Home Loans turning your dream home in India, into a reality, is convenient and easy.

    Dubai [Middle East]

    Office No 105, First Floor, Juma Al-Majid Commercial Building Opp. Burjuman Centre (Extension), Trade Centre Road, P O Box No. 29022, Dubai

    Salient Features :

    Prepayment charges
    Adjustable Rate Home Loans [ARHL] and

    Dual Rate Home Loans [DRHL] / Fixed First Home Loans / TruFixed Rate Home Loans / TruFixed Plus Home Loans / TruFixed Plus Home Loans – 2 3 Year Fixed Rate Variants – during the period of applicability of the Adjustable Rate of Interest :

    For all loans sanctioned to individual customers:

    No prepayment charges shall be payable on account of part or full prepayments.

    For all other loans:

    There will be no prepayment charges payable for any amount up to and including 25% of the opening principal balance for a given financial year.

    However any part prepayment in excess of 25% or full prepayment shall bear a prepayment charge of 2%, plus applicable taxes, of the amounts being so prepaid if the prepayment is made within 3 years from the date of first disbursement of the loan (such amounts shall include all amounts prepaid during the given financial year).

    There will be no prepayment charges payable for any part prepayment if such a part prepayment is made after 3 years from the date of first disbursement of the loan.

    Full prepayment made after 3 years from date of first disbursement of the loan shall bear a prepayment charge of 2%, plus applicable taxes, of amounts being so prepaid if source of such prepayment is by the way of borrowing from a Bank / Housing Finance Company (HFC) / Non Banking Financial Company (NBFC) or Financial Institution. (such amounts shall include all amounts prepaid during the given financial year).

    Fixed Rate Home Loans [FRHL] and

    Dual Rate Home Loans [DRHL] / Fixed First Home Loans / TruFixed Rate Home Loans / TruFixed Plus Home Loans / TruFixed Plus Home Loans – 2 3 Year Fixed Rate Variants – during the period of applicability of the Fixed / Initial Rate of Interest:

    No prepayment charges shall be payable for part or full payments made from own sources. The expression ‘own sources’ for this purpose means any source other than borrowing from a Bank / Housing Finance Company (HFC) / Non Banking Financial Company (NBFC) or Financial Institution.

    The prepayment charge shall be 2%, plus applicable taxes, of the outstanding amounts being so prepaid through refinance from any Bank / HFC / NBFC or Financial Institution (such amounts shall include all amounts prepaid during the given financial year).

    You shall be required to submit a Prepayment Request Letter along with copies of your Bank Statement or any other document that HDFC deems necessary to ascertain the source of funds used for the prepayment.

    Conversion fees

    We offer our existing customer the option to reduce the applicable rate of interest on the Home Loan (by changing the spread or switching between schemes) through our Conversion Facility. You can take advantage of this facility by paying a nominal fee and opt for either reducing your monthly instalment (EMI) or loan tenure. Terms and conditions apply.

    To avail of our Conversion Facility and to discuss the various available options either click here to allow us to call you back or log on to our Online Access for Existing Customers. to get your Home Loan account information 24×7.

    The following options of conversion are available to an existing customer of HDFC:

    Switch to a lower Interest rate in the Adjustable Interest Rate Option:

    HDFC offers you an option to convert your existing adjustable rate to HDFC’s current adjustable rate by effectuating a change in the spread as indicated in the loan agreement.

    In case of a partly disbursed loan, the fee payable to avail the conversion shall be 0.50% plus applicable taxes of the principal outstanding plus the undisbursed loan amount or Rs. 50,000 plus applicable taxes, whichever is lower.

    In case of a fully disbursed loan, the fee payable to avail the conversion shall be 0.50% plus applicable taxes of the principal outstanding or Rs. 50,000 plus applicable taxes, whichever is lower.

    Switch from Fixed Interest Rate Option to the Adjustable Interest Rate Option:

    HDFC offers you an option to convert from a Fixed Interest Rate Option to the Adjustable Interest Rate Option for the balance term of the loan.

    In case of a partly disbursed loan, the fee payable to avail the conversion shall be 0.50% plus applicable taxes of the principal outstanding plus the undisbursed loan amount or Rs. 50,000 plus applicable taxes, whichever is lower.

    In case of a fully disbursed loan, the fee payable to avail the conversion shall be 0.50% plus applicable taxes of the principal outstanding or Rs. 50,000 plus applicable taxes, whichever is lower.

    Please note that this option is not available to customers currently under the Fixed First Home Loan products.

    Switch to a lower Interest Rate in a Dual Rate Home Loan Option:

    HDFC offers you an option to convert your existing rate to HDFC’s current rate.

    In case of a partly disbursed case the fees payable to avail such change shall be 0.50% plus applicable taxes of the principal outstanding plus the undisbursed amount or Rs. 50,000 plus applicable taxes, whichever is lower.

    In case of a fully disbursed loan, the fee payable to avail such change shall be 0.50% plus applicable taxes of the principal outstanding or Rs. 50,000 plus applicable taxes, whichever is lower.

    Switch from TruFixed Home Loan product (during the period of initial rate of interest) to the Adjustable Interest Rate Option:

    Under this product, during the fixed tenor, you have the option to convert to an adjustable rate product on payment of an upfront conversion fee of 1.75% of the principal outstanding plus the undisbursed amount plus applicable taxes.

    Switch from TruFixed Plus Home Loan product (during the period of Initial rate of interest) to the Adjustable Interest Rate Option:

    Under this product, during the fixed tenor, you have the option to convert to an adjustable rate product on payment of an upfront conversion fee of 1.75% of the principal outstanding plus the undisbursed amount plus applicable taxes.

    Under this product, you have the option to convert an existing adjustable rate product to a fixed rate under the TruFixed Plus rate product on payment of an upfront conversion fee of 1.75% of the principal outstanding plus the undisbursed amount plus applicable taxes.

    Fees on account of external opinion from advocates/technical valuers, as the case may be, is payable on an actual basis as applicable to a given case. Such fees is payable directly to the concerned advocate/technical valuer for the nature of assistance so rendered.

    The customer shall pay the premium amounts directly to the insurance provider, promptly and regularly so as to keep the policy / policies alive at all times during the pendency of the loan.

    Delayed payment of interest or EMI shall render the customer liable to pay additional interest up to 24% per annum.

    Incidental charges expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. A copy of the policy can be obtained by customers from the concerned branch on request.

    All applicable charges on account of Stamp Duty / MOD / MOE / Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) or such other statutory / regulatory bodies and applicable taxes shall be borne and paid (or refunded as the case may be) solely by the customer. You may visit the website of CERSAI for all such charges at www.cersai.org.in



    Education Loans in India, Indian Bank Education Loan for Students #loan #repayments


    #education loans
    #

    Education Loans in India

    Finance is the primary requirement of higher education in present day. Students across India often face difficulty to enroll themselves in private colleges because of the lack of finance. The educational loans are designed for those students who are unable to finance their own education.

    In India, it is always not possible for students to get admission in the government sponsored colleges. This is high time when they seek admission in the private colleges, where education is self sponsored.

    At times students also seek finance education when they are planning further higher education from foreign universities. Besides awarded scholarship, students often come across shortage of money. This is when they go for education loan. Most of the nationalized, private and foreign banks in India offer education finance to students.

    The banks of India are pioneer in offering finance to those students, who are looking for easy education loans. SBI education loan, HDFC education loan and many more are the preferred financing services available for students.

    Eligibility Criteria to Get Education Loan

    • The applicant must be an Indian citizen.
    • Proper proof of citizenship and other important official documents are required from the students.
    • Offer letter of the college, where the student is taking admission, is required to be produced.
    • The students should have taken admission in colleges and universities through proper entrance examination.
    • Proper academic history and qualification certificates are required while applying for the education loan.

    Educational Loan Information

    Indian students can get loan up to 4 lacs from the commercial banks. The repayment period is 5 to 7 years. The rate of interest is 11.25% p.a. SBI education loan offers concession of 0.50% to girl students to encourage woman education. Education loans of Bank of India, United Bank of India, Punjab National Bank and many more are also helping the students of India to get education loan at easier terms.

    Students, applying for education loan to study abroad also have to repay the loan amount within the same time period. There are chances of getting education loan up to twenty lacs. These loans are meant for the students who are going to pursue education abroad. They can get loan without having to give any collateral. Today, thousands of students are fulfilling their dream with the help of the financial assistance they are receiving from the banks in the form of education loan.



    Kansas Home Loan Monthly Payment Calculator India – 100% Loans Online Quick & Easy APPLY NOW! #auto #loans


    #house loan calculator
    #

    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.



    Home Loan Interest Rates In India #applying #for #student #loans


    #home loan rates comparison
    #

    Home Loan Interest Rates In India

    Having an elegant home is every person’s dream as it is one of the most important assets which can be possessed. Most property buyers go for a home loan to buy property in India. Perhaps, escalating property prices is one of the major hindrances while buying a home. It is not just the property rates that hit the customer, but also the high interest rates. Apart from these interruptions, the property buyers also have to experience various complications while trying to look for the best home loan rates. Major banks such as ICICI, SBI, IDBI, Syndicate, HDFC and others provide different packages of home loan interest rates.

    What are home loan interest rates?

    An interest rate on a home loan is the amount which is paid by the customer in lieu of the loan which is provided by the financial institution or the bank. The concept of home loan interest rate is a vital aspect while seeking a home loan. A customer has to carefully decide the right home loan interest rate package and the type of bank to opt for. This decision can be taken depending on the interest amount, the home loan, the home loan tenure and the EMI fixed for repayment. The home loan rates are decided based on these principles.

    It is very important to choose a bank with lower interest rates because if the interest rate is higher, the customer has to pay a higher EMI while if the interest rate is lower the customer has to pay only a lower EMI. This will save a lot of money for the customer as well.

    Types of home loan rates

    • Fixed home loan rates : In this form of home loan rates, the interest rates are fixed throughout the term of the loan, in all conditions. These rates are very expensive and are exclusive in the market.
    • Resettable fixed rates: These forms of home loan rates are mostly present all over the market as the interest rate is fixed for a period of 2-5 years and is then reset for the upcoming years. These rates are considered to be more reasonable and one needs to be clear about the nature of this type before opting for this loan rate.
    • Floating home loan rates: These types of home loan rates can be varied and adjusted.

    Importance of base rates of the banks

    A base rate is the least interest rate by a bank below which it cannot lend. This can exclude the DRI advances and the loans to the bank’s own employees and depositors against their own deposits.

    One of the most important factors on which the interest rate is based is the bank’s ‘Base rate’. The introduction of the base rate was levied by the RBI with effect on July 2010. The base rate is declared by every bank once in every quarter of the year and differs from each bank. The fixing of a bank’s base rate can be decided by the bank on its own but the bank will not be allowed to change the methodology, once it is chosen. It is the responsibility of the bank to document the influx of the base rate on a continuous basis.

    The base rate calculation review will be done by the RBI by following a set system for calculation. Earlier, the process of BPLR (benchmark prime lending rate) was used to review a bank’s base rate. With the invent of the new policy of documenting the base rate, it has become easier to carry the task in a precise and fair manner even though the customer has a vague idea about the base rate concept. This technique is better than the former BPLR technique.

    Of late, the RBI has barred the concept of lending below base rates; but for a selected group of loans such as employee loans, differential Interest rate loans to SC/ST, loan against its own fixed deposits and others are allowed. Hence, the customer is benefited when the market rate softens as the new borrowers will have many options unlike earlier. If a base rate is fixed at a bank, the same will be followed by the corporates and home loan seekers.

    The fall in the interest rates in the market will force the banks to reduce their base rates to the new customers with the previous base rate. Thus, one of the reasons of the fall in the base rate is the fall in the market interest rates. The reduced base rates will be applicable to both old and new customers.

    The calculation of the base rate

    As mentioned earlier, the calculation of the base rates as not precise earlier. Factors like the cost of funds, margin and the administrative costs were considered to calculate the base rates. The factors for the calculation of the base rate include-

    • Cost elements which are clearly identified and are common among borrowers.
    • The card interest rates on the retail deposit (deposits below Rs. 15 lakh) with one year maturity.
    • Adjustment for the negative carry in respect of the CRR and the SLR
    • Unallocatable overhead cost for banks which would comprise a minimum set of overhead cost elements
    • Average return on net once the factoring in costs is incurred while sanctioning a loan.

    Table representing the home loan interest rates in all the major banks and Housing Finances in India



    Education Loan: Apply Online in India, Interest Rates #instant #loans #for #bad #credit


    #educational loan
    #

    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 Home Loan India, Home Loans Canara Bank #school #loan #consolidation


    #canara bank home loan
    #

    Canara Bank Home Loan India

    Canara Bank Home Loan products are designed to help you acquire the dream home you wished to buy. Come to Canara Bank and get housing loans at the most competitive interest rates and with the most convenient loan procedure to make the loan process less tiresome. Canara Bank has a legacy of over a century in specialized banking services and a branch network of more than 2500 branches that ensures nothing but the very best services to all the customers.

    Canara Bank Housing Loan Details

    The housing loans by Canara Bank are provided for various purposes including:

    For repair or renovation in residential house or flat

    For repayment of home loan from any other housing finance institution

    Canara Bank loan process involves an application form available in the Canara Bank branches and also online on the Canara Bank website. Then comes the security the bank demands for sanctioning any loan. This can be mortgage of a house or flat owned.

    Canara Bank Home Loan Rates

    The rates of interest offered on Canara Bank home loans are highly competitive and easily affordable that has helped Canara Bank in establishing itself as a leader in the home loans segment in the banking services in India. In case of pre-payment of loans, no charges or fees are charged except in the case of takeover of the loan by other banks and financial institutions.

    For more info on the documents and formalities required for loan application, contact your nearest Canara Bank branch or refer to the official website of Canara Bank. The current interest rates on home loans and processing charges are also mentioned on the site.



    Best Car Loan in India 2015 at % November – Deal4loans #car #loan #comparison


    #cheapest car loan
    #

    Best Car Loan in India 2015 at 9.55% November

    Top Car Loan 2015 ✔ Lowest Interest Rates ✔ Loan Amount ✔ Instant e-Approval ✔ Specialties/features of Best Car Loan/Auto Loans ✔ Apply Online Now with Top banks.

    Having a car is a dream of almost every one of us. It not only serves the purpose of transportation, but also acts as a fixed asset in the property. Nowadays, a car has become a necessity rather than a luxury. Many professionals have to travel a long distance from their houses to workplaces. In such cases, car becomes an easy and time-saving mode of transportation. Buying your own car or a used one is not difficult now. You can simply search for the best car loan and fulfill your dream of having a vehicle. Demand for finance of new cars has majorly arisen from the areas of Mumbai, Delhi, Bangalore, Rajasthan and Punjab. Since a shorter term loan, such as a 3 year loan, provides a lower rate of interest, majority of people prefer a shorter term of loan.

    Following are considered as Top banks that offer affordable and Lowest Rates on car loans: Last Updated as on 4 November 2015

    Specialties/features of Best Car Loan/Auto Loans

    Car loan basically serves the individuals who are either salaried or self-employed. The vehicle loans are available for fixed tenure at variable interest rates. There are two types of interests available: fixed and floating. Generally, it has been observed that the interest rates on car loans vary often if compared to other loans. Also, they are considered as secured loans. Thus, lenders are ready to take more risks while offering this amount to the customer. Below are the factors which affect the car loan:

    • Income of the customer ( annual and monthly) – The salaried professionals can obtain loan around three times of their annual income, while self employed persons can apply for the amount five to six times of their annual income.
    • Prices of the cars – You have to check whether the price of the car is covered with the loan or not. Usually, 80-90% price is covered by the bank loan. However, you must calculate the loan amount you are eligible to obtain and the actual price of the car.
    • Market interest rates and other charges – The availability of the car loan will depend upon the market demand for the same. It also varies according to the processing fees, charges and processing requirements etc.

    Different Options available for Auto loans

    Many banks and financial institutions offer car loans. It is a secured loan product which is also beneficial for the lender. The lender can seize the car, if buyer is unable to repay the loan amount. If you want to search for the best loan available, you have to find out the car model, your eligibility for the loan amount and tenure you would select to repay the loan. Later, you can go for the options that are available in the market.

    There are many other banks which offer low interest rates and maximum tenure. You have to select the best car loan according to your capability to repay and requirement of the model of preferred car .

    New About Car Loans

    Maruti Baleno Launched at Rs.4.99 lacs

    Maruti launched its much awaited premium hatchback car today (26.10.2015) at starting price of Rs.4.99 lacs ex showroom delhi. You can check baleno hatchback at its nexa showrooms of maruti in India. Baleno competes with Hyundai i20, Polo, Ford Figo, S Cross Swift. Maruti claims fuel efficiency figures of 27.39 kmpl for Diesel 21.4 kmpl for Petrol powered baleno. Diesel Version of Baleno starts from Rs. 6.16 lakhs. In terms of features Maruti Baleno comes with a SmartPlay infotainment system with Apple CarPlay, navigation and voice command; Bluetooth, USB and AUX connectivity; keyless entry and go system, push button start/stop, reverse camera, tilt and telescopic steering wheel, puddle lamps, anti-pinch driver-side window, power foldable and adjustable ORVMs, auto climate control, reverse parking sensors with camera, among other features. Maruti Suzuki is offering dual airbags, ABS with EBD, seatbelt pre-tensioners and force limiters as standard across all variants of the Baleno.

    Added on 26 Oct 2015

    Boost for auto sales ahead of festive season

    RBI rate cut will hike sales of cars in India during coming festive season 2015. Impact on EMIs is expected to be very minimal a five-year loan of Rs 5 lakh will save you Rs 7,200 over the payment tenure of 5 years. Reduction in interest rates will lower the EMIs, thus bringing down the cost of ownership. This festival gift of rate cut will assure growth. Almost 65% of Cars are financed through banks. These Days Renualt Kwid, Maruti Alto 800, k10, Hyundai Creta, Ford Figo, Figo Aspire creates a huge buzz in market for its premium value for money offerings.

    Thanks, for reading this article and Hope It Clears all your doubts and In Future you get a best deal for your Car Loans.

    You might find these relevant: