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Priyadarshini Maji

Articles By Priyadarshini Maji

987 Articles

Alternative Credit Scoring: Now avail loans even with a low CIBIL score

An individual who is newly initiated with the multifaceted features of the credit and loan financial ecosystem can now also obtain loans by forwarding their credit access ability even in the case of a low credit score data re

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Can you take personal loan and education loan together?

Opting for a personal loan to meet additional expenses is completely fine as long as one does not violate any terms of the existing loan agreement.

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Getting rejected for loans? Here is how you can be a smart borrower

A loan applicant’s present income status and credit score are the top factors taken into consideration by a lender before sanctioning any loan. However, this does not reveal the entire picture as there are other factors too

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Are market-linked debentures tax-efficient? Find out

In India, Covered bonds are relied on by many institutional investors like Mutual Funds, Private Family offices who want good returns however, need better credit quality. Though the risk is high in covered bonds, it’s lesse

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Father’s Day: Reasons to buy comprehensive health insurance for your father

Gifting an individual comprehensive health insurance policy is the best option for our fathers on this special day. Buying comprehensive health insurance for a father is a good way of securing his life and finances in case of

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Father’s Day 2021: Four investment ideas to secure the financial future of your father

This can be the time for creating a whole new world of memories that our father would treasure – literally and figuratively - with financial instruments such as Senior Citizen FDs, mutual fund investment plans, insurance po

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New-age digital investment platforms offer 9-11% fixed returns: Should you invest?

These fintech platforms are striving to bridge the gap between Fixed Deposits and Debt Funds, stocks and equity mutual funds.

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Are Arbitrage funds a good investment option? Find out

Arbitrage funds may also profit from trading stocks on different exchanges. They could be bought on one stock exchange at a certain price and sold on another exchange at a higher price.

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Why do you need to do eKYC? Here is how it benefits you

KYC is a process through which a service provider, either government or private, verifies an individual's identity and other particulars linked to the person using documentation such as an Aadhaar Card.

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Factors to consider before opening a digital savings account

Fees are by far the largest distinguishing factor among checking accounts. All else being equal, one should choose the checking account with the lowest charges.

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Should you invest in small cap funds? Find out

Many of the companies under small-cap funds usually go through difficult phases when markets are not doing well and generally they take more time to revive or fail to revive as well. Hence, they are meant for investors who ha

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IndiaFirst Life’s Micro Bachat Plan to provide enhanced security and savings

This plan comes with a low premium, ensuring security and savings. Providing financial support to the insured’s family, in case of any eventuality, the plan ensures constant life cover benefits despite missing a premium.

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When is the right time to hire a financial planner?

A financial planner brings in the required expertise to guide an individual on his/her wealth management path, and help them manage their finances.

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Important factors to keep in mind while taking education loan

NBFCs can also cater to cases that wouldn’t fit in a bank’s policy, though it comes at the cost of a higher interest rate. However, note that public sector banks start as low as 7.75 per cent compared to the lowest intere

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ELSS vs ULIP vs PPF: Which is a better investment option for you?

To start with, ELSS and PPF along with ULIP, which also has tax benefits under EEE, are some of the retirement-related investment options. Having said that, you need to find out the right investment opportunity for you taking

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Crypto market crash continues – Is it time to buy or sell?

While due to the recent market fall and uncertainties investors are opting for sell-offs which is surely painful, however, over the last year, Ethereum's (ETH) price climbed 1,150% while Dogecoin's 13,310% in the same stretch

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Important things to keep in mind while using a credit card

Credit cards usually offer an interest-free period of up to 51 days. However, this facility is not applicable on ATM cash withdrawals using a credit card. You will be charged interest from the day you make the withdrawal.

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How much gold should you have in portfolio in economic downturn?

Gold, as an asset class, is a hedge against inflation and provides diversification when equities are not doing well. It does not have cash flows like equity and debt assets. That said, historically, gold has proven to have a

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FREO Neobank for Millennials: Digital savings account, uber-flexible credit line, Credit and EMI Cards, BNPL – all in one place

The neobanking company claims to provide value to customers as a single point of access to a variety of financial products throughout their lives. With this neo banking platform FREO, one can easily build their financial heal

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Axis Mutual Fund launches ‘Axis Quant Fund’ – Check features

The Axis Quant fund is suitable for investors looking at new avenues of investing to diversify their existing portfolio of funds and aiming to allocate for the long term.

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Mid-Cap Funds: Should you invest in them?

In the last year, there has been a sharp rally in mid-cap space and this is the reason many investors are chasing this category, expecting similar returns in future. But this can be dangerous if one is not aware of the underl

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Aviva India launches Aviva Life Shield Premium – Check features

Aviva Life Shield Premium comes with a policy term of up to 62 years and provides customers with an optional payment term of a regular, limited and single premium payment term.

They are looking for solutions which can maximize their income and minimize risks while catering to short and long-term financial requirements.

How does Digital Gold compare with Sovereign Gold Bonds?

The Covid-19 pandemic has turned investors' attention towards various asset classes. Industry experts say non-physical gold assets such as digital gold and Sovereign Gold Bonds are a few of them.

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Tips to be credit ready for medical emergencies

The necessity to strengthen yourself financially is crucial. For instance, if a medical emergency arises, an individual needs to be equipped with sufficient funds that would enable them to deal with it.

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ICICI Bank offers an instant facility for cross-border inward remittances

This service will offer instant credit works by connecting ‘SWIFT gpi’, the cross-border rails with a real-time domestic payments infrastructure.

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What makes Digital Gold a safe and profitable portfolio diversifier?

Gold bought physically or digitally, can act as an insurance policy for the investor’s wealth. When the market crashes, if the stocks invested in by the investors are hit badly but he/she has a considerable amount of gold i

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Gold Mutual Fund Vs Gold ETF: Which one is better for you?

With investment in Gold ETFs, it is mandatory to have a Demat account, as investments can be made only in a dematerialized form. While investment in a Gold Mutual Fund can be made even without a Demat account.

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