Priyadarshini Maji

Articles By Priyadarshini Maji

290 Articles

Monthly Income Schemes: Here are the best investment options to get a monthly income

Monthly income schemes vary from extremely secure options to some slight risky options. One should choose between these options depending on one's goals and risk appetite.

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Senior Citizens Savings Scheme: Planning to open an SCSS account? Here’s all you need to know

The Senior Citizens Savings Scheme (SCSS) offers a regular stream of income and tax-saving benefits, with the highest of safety. Some of these offer personalized services along with higher interest rates for senior citizens.

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Post Office Monthly Income Scheme: 10 things you need to know before you start investing

Most of these schemes can be started with minimal investment amounts, which make these schemes popular as an investment option in India.

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Saving Accounts for Children: 5 points to consider before opening an account for your child

Many banks give the option of opening a savings account aimed specifically at children. Depending on the age of the child, most banks offer two separate accounts for minors.

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IRDAI directs insurers to settle claims fast in Cyclone Fani-affected areas

The regulator has directed insurers to take additional steps for ensuring registration of all claims and also provide quick settlement of eligible cases, especially in the cyclone-hit areas of Odisha and neighboring states.

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Personal Loan vs Credit Card Loan: Which is the right choice for you?

These types of loans come with their own set of advantages and disadvantages, one should pick one only after fully understanding one's purpose of borrowing along with one's repayment capability.

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Odisha Cyclone: How to ensure your property, car insurance claims aren’t rejected

Most often, even after having an insurance policy, claims are rejected by insurers. This is because of the lack of awareness about what is and what is not included in a policy.

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Consumer Alert! Your Personal Accident Insurance policy may not cover all these; Find out

Accidental insurance policies, come with their own set of limitations. These policies do not extend cover for just any accident that you might get yourself into.

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How falling rupee impacts education loan: Here’s what you need to do

With the rupee depreciating, it has mostly affected people with expenses in foreign currencies. Along with foreign travel, education abroad is also getting more expensive.

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Planning to take motor insurance? Make sure it’s not fake

Frauds in the insurance sector are not only committed at the time of applying for a claim by making false or inflated claims, but also at the time of buying the policy.

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Your complaint not resolved by your bank? Here’s how to approach the RBI’s Banking Ombudsman

The Reserve Bank of India keeps revising the Banking Ombudsman Scheme to enlarge the scope for customer complaints on new areas.

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Life Insurance Guaranteed Annual Payouts: Should you opt for Guaranteed Payouts?

These plans are designed to help policyholders secure their child’s future in their absence, by ensuring that their future financial needs are fulfilled.

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Credit Card Reward Points: Before you swipe your card, know these 5 tricks to maximise your gains

The more you spend, the more points you rack up, and the more freebies you'll get. That's why shopping through a credit card is important, if you own one.

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Bajaj Finance FD offers up to 9.10% return; Should you go for it?

Fixed deposits offered by banks and post offices are generally the popular ones, but investing in the FDs offered by NBFCs and companies can get you higher returns.

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Loan against Fixed Deposit: Loan amount, interest rate, tenure; all you need to know

An investor can avail a loan from their fixed deposit, at the same time also continue to earn interest on the deposit, even after availing a loan against it. 

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EPFO: All you want to know about EPF Scheme, interest rate, tax benefits, balance check, claim procedure

EPFO - What is EPFO, its tax benefits & withdrawal procedure: EPFO is one of the world's largest social security organisations – is a retirement fund body which on a mandatory basis provides Universal Social Security Cover

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ATM frauds on the rise again; Find out how to stay safe

Though ATMs are considered the most convenient option for withdrawing cash using an ATM, debit or credit card, ATMs are also being used by fraudsters to withdraw money from somebody else’s account without their knowledge.

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Wedding loans: 5 key factors to keep in mind while opting for a wedding loan

Though marriage expenses vary from people to people, most weddings overshoot the planned budget. These loans are designed to finance marriage expenses.

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How should you plan your investments to meet financial goals?

To start with know your financial goals, and make it specific, realistic and action-oriented. Experts suggest financial planning should be done systematically to reach the desired goal.

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Want to withdraw cash without your debit or credit card? From Axis to ICICI Bank, know how to do it

Various banks now allow their customers to withdraw cash from ATMs without the use of a credit or debit card. Know how to withdraw cash from these banks, without the use of credit or debit card.

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Small-ticket Travel Insurance policy: Should you opt for it?

Having an international travel insurance policy ensures that you have a safe and secure trip. From medical expenditure, to trip cancellation or delay and more, Overseas Travel Insurance offers coverage for all so that any unf

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Planning to take a Holiday Loan? 5 points you should keep in mind before opting for one

Various banks in India offer personal holiday loans, both for domestic and international holidays. Other than banks, fintech companies, and online loan providers also offer holiday loans to their customers.

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FD vs Post Office PPF, NSC vs NCD vs MF FMP: Best fixed income option before interest rates fall

The State Bank of India has recently cut its lending rates by a marginal 5 bps across all tenors. From 8.55% earlier, the revised one-year MCLR currently stands at 8.50%.

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Are you a frequent traveler? Opt from these five travel credit cards

Credit cards remove the burden of carrying cash all the time for different purposes like shopping, traveling, making other purchases. On the negative side, one can easily overspend and can get stuck in debt if they don't know

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Are you financially prepared for your child? Here’s how to plan for your child’s future

After a baby is born, additional expenses such as the hiring cost of a nanny, healthcare, and schooling, are normally overlooked. Though you might be saving a lot today, will it be enough for the long run?

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Gold loan interest rate: SBI Vs HDFC Vs Andhra Vs Manappuram Vs Muthoot; Best option for you

Gold is the fastest way to get access to funds in dire situations. Also, a low credit score does not stand as an obstacle while getting a gold loan.

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6 things to know before taking a loan against property

LAP can be taken for funding various purposes, from business-related purposes, medical emergencies, to fund a child’s education, weddings or any other personal needs.

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