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Adhil Shetty

Articles By Adhil Shetty

526 Articles

Gold Loan Vs Personal Loan: Which financing facility should you go for?

Before finalising your decision, ensure you thoroughly compare your options across different loan products and lenders and select the one that best meets your requirements and offers the best repayment terms.

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Facing cash crunch amid Covid? Check out overdraft facility

An OD, on the other hand, is a credit facility that allows a bank account holder to withdraw the amount above the balance available in the account to the extent limit sanctioned by the bank.

You should select the OD facility based on the size of the fund required, interest applicable on it, and tenure for which you need the fund.

Covid-specific health insurance: Should you opt for it if you already have a medical policy?

If a person has already got a regular health policy, do they also require Covid-specific health insurance plans?

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Home Loan: Calculate refinancing costs when deciding between loan conversion and balance transfer 

Calculate refinancing costs and their future values when deciding between loan conversion and balance transfer.

Looking for a secured loan? Here’s all you need to know before applying for one

There are various types of secured loans available in the market, and you can select the appropriate loan product depending on the size of the fund required, tenure, type of asset available with you to pledge, among others.

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Know how and when to use your emergency fund

You cannot afford to stay long without an emergency fund after using it. Replenish it as soon as possible

Expenses related to family emergencies like a loved one’s unfortunate demise could be some of the most difficult ones to tackle.

3 good reasons to check your credit score regularly during the COVID-19 crisis

The habit of checking your credit report regularly will go a long way in these times when you might require external liquidity more than ever.

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Smart investment tips for risk-averse investors amid the COVID crisis

If you have downgraded your risk-taking ability in the current situation or are already a risk-averse investor, what are the options available to you to start a fresh investment?

investment tips, investment tips for risk-averse investors, COVID crisis, fixed deposits, FD, FD laddering, Sovereign Gold Bonds

Contingency planning: Four steps to financial prudence in Covid times

While you prepare your contingency plans, check your credit score regularly, review your investment's performance and initiate a portfolio rebalance if required.

Now, these are also the times of record-low home loan interest rates.

Gold prices on the rise: Where should you invest and how much?

In the present situation when the Indian and the world economy are going through a difficult phase, having gold in your portfolio can provide you a cushion against heightened market risks and uncertainties.

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Taking a home loan? Check how credit scores impact your home loan costs

It is critical to know your credit score as that has a direct bearing on your financial health. Let us discuss a few important things related to credit scores.

This is a number which ranges between 300-900 and is computed by rating agencies like CIBIL and Experian.

Mutual Fund Investment: How to select right mutual funds during the COVID-19 crisis

Amid the uncertainty in the current market situation brought about by the Covid-19 pandemic, it's crucial to be cautious while choosing a mutual fund product.

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Credit Card Moratorium: Have you taken moratorium on your credit card dues? Important things you must know

If you’re facing liquidity issues, opting for the moratorium on your credit card dues can provide you temporary relief. However, it is important to understand how this works.

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Succession Planning: Making a Will due to COVID crisis? 5 things you must keep in mind

With the number of corona-infected cases rising across the world, preparing a Will is something many should consider.

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4 smart ways to contribute to your father’s retirement this Father’s Day

Even if you cannot help your father financially, you can give him that valuable support or suggestions that will ensure a dignified retirement for him.

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Covid-19: Five budgeting dilemmas amidst a cash crunch

Being judicious while making difficult choices during tough times can save us from bigger financial crises in the future.

6 smart money management tips to tide over the Covid-19 crisis

Here are a few important money management tips to help fortify your finances, so that you’re able to come out of this crisis with minimal financial damage.

6 Covid-19 relief measures by Modi Govt which can benefit your personal finances

The government and the RBI have come out with a number of relief measures to protect the economy from the adverse impact of the Covid-19 crisis. These entail a large number of announcements that will directly or indirectly be

Covid-19 relief measures, benefit personal finances, Modi government, RBI, Loan Moratorium Extension, Reduction In TDS Rate, PMVVY Date Extension, Repo Rate Reduction

Low interest rates: Opt for repo-linked housing loan now; Here’s why

The transmission of low interest rates has been quicker in the case of Repo-Linked Lending Rates than Marginal Cost-of Lending Rate or a Base Lending Rate home loan.

Loan in Lockdown: How to take a loan without stepping out of your home

In a coronavirus-hit world, you can no longer afford to take the risk of having face-to-face meetings with strangers. Here are two simple ways to avail credit without stepping out of your home.

impact of emi moratorium period

Should you go ahead with your home-buying plans soon after the Covid-19 lockdown?

Before finalising your home-buying plans in the shadow of the Covid-19 crisis, you should take a moment to first understand how the pandemic is impacting the real estate sector.

home buying, home buying in India, Covid-19 crisis, lockdown, Pradhan Mantri Awas Yojana, Credit Linked Interest Subsidy Scheme

Debt funds are not risk-free, but they can still be the right investment for you; Here’s why

The recent debt fund debacle has put doubts in the minds of many investors. Let’s find out how debt funds are useful investments and a few things you need to keep in mind before investing in them.

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Fixed Deposit, Gold or Equity? How to invest for best returns in times like COVID-19

With so much volatility in the market in times of Covid-19, what should an investor do and where should he invest his hard-earned money?

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COVID-19 effect on your nest egg: Five tips to rework your retirement plan

Reduce your debts, cut expenses and choose investment products prudently to build your retirement corpus.

Remember, your investments should be adequately diversified and meant for your long-term financial goals.

Wealth Management: 5 smart tips to manage wealth effectively during the COVID-19 crisis

When the situation is not looking favourable in times of coronavirus, what should be your strategy to manage your wealth to not just secure capital protection but also fetch desired returns?

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Your money: More power to Aadhaar based eKYC, video KYC needed

The RBI recently allowed banks to use Video KYC to validate loans and credit card applications. Video KYC is another effective mechanism to accelerate application processes wherein customers can use their smartphone cameras t

Why Sovereign Gold Bond may be your best gold buying option this Akshay Tritiya amid COVID-19 crisis

If you wish to buy gold as an investment and not for consumption, the latest tranche of the Sovereign Gold Bond can be your go-to option.

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