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Hiral Thanawala

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Mother's day 2021: Money lessons woman finance leaders and their moms learnt from each other

BUSINESS

Mother's day 2021: Money lessons woman finance leaders and their moms learnt from each other

Many of us may be financially independent now, but most of us owe our first financial lessons to our mothers

The most wanted loans by first-time borrowers

MCMINIS

The most wanted loans by first-time borrowers

RBI relaxes KYC norms till end of year: Here’s what bank account holders must know

BUSINESS

RBI relaxes KYC norms till end of year: Here’s what bank account holders must know

The central bank has indicated that no punitive restriction on operations of customer accounts shall be imposed by banks till December 31, 2021. Account holders are expected to update their KYC during this period

Explained: All about making safer online transactions with virtual cards

BUSINESS

Explained: All about making safer online transactions with virtual cards

Virtual cards offer several layers of protection that make them immune to frauds

How CIBIL and Experian score first-time loan applicants

BUSINESS

How CIBIL and Experian score first-time loan applicants

Your employment profile and social media accounts are checked by financial institutions to assess your credit risk levels

Axis Bank hikes cash withdrawal and SMS charges: All that you need to know

BUSINESS

Axis Bank hikes cash withdrawal and SMS charges: All that you need to know

The bank is increasing charges for non-maintenance of minimum balance, cash withdrawal and SMS alerts

Once passed, the Personal Data Protection Bill will make companies more answerable for lapses: EY

BUSINESS

Once passed, the Personal Data Protection Bill will make companies more answerable for lapses: EY

Mukul Shrivastava of EY gives his take on the how the new bill will help users when it is passed by parliament. He also gives valuable suggestions to keep your online money transactions safe

Gone bankrupt and unable to repay loans? Know how to file for insolvency

BUSINESS

Gone bankrupt and unable to repay loans? Know how to file for insolvency

A salaried borrower can seek initiation of insolvency and bankruptcy proceedings on outstanding debts in the event of her inability to repay loans

‘Buy now, pay later’ schemes are getting popular amid COVID-19 pandemic, but these are debt traps

BUSINESS

‘Buy now, pay later’ schemes are getting popular amid COVID-19 pandemic, but these are debt traps

'Buy now, pay later' schemes may sound convenient as it allows you to bunch up payments, much like a credit card. But if left unchecked, late payment charges and interest costs can burn a hole in your pocket

Auto-debit of credit card: RBI extends timeline and an alternative option to it

BUSINESS

Auto-debit of credit card: RBI extends timeline and an alternative option to it

RBI has decided to extend the timeline for additional factor authentication on recurring payments using the cards till September 30, 2021. The alternative options to auto-debit on card are transacting through BillDesk or Bharat Bill Payment System.

Your money calendar for 2021-22: Keep your dates with investments, taxes and money box

BUSINESS

Your money calendar for 2021-22: Keep your dates with investments, taxes and money box

Moneycontrol’s annual money calendar lets you keep your dates with investments, income-tax filing, paying your insurance premiums on time and reminds you to go on a holiday, once in a while

Junio money app: A children’s savings bank account is a better way to monitor how your kid spends

BUSINESS

Junio money app: A children’s savings bank account is a better way to monitor how your kid spends

The Junio app comes with a charge card backed by RBL Bank and Mastercard. A bank account can help you teach your kid a lot more about savings and financial products.

Home loan interest rates unlikely to fall any further: Godrej Housing Finance

BUSINESS

Home loan interest rates unlikely to fall any further: Godrej Housing Finance

Manish Shah, MD & CEO, says that the more credit worthy a customer, the lower will be the home loan interest rate offered

Explained: All about the UPI-Help feature to raise payment complaints online

BUSINESS

Explained: All about the UPI-Help feature to raise payment complaints online

SBI, HDFC Bank, ICICI Bank and Axis Bank have enabled the UPI-Help feature for their customers

Vehicle scrappage policy: Leasing is a cheaper option than buying a car on loan now

BUSINESS

Vehicle scrappage policy: Leasing is a cheaper option than buying a car on loan now

Cars that are over eight years old would have to go for a fitness test. A green tax of 10-25 percent would be charged every time you renew the fitness certificate. Maintaining a car would more expensive now

How women can make the most of lower rates on home loans and stamp duties

BUSINESS

How women can make the most of lower rates on home loans and stamp duties

Even a small concession on home loan interest rates will add up to a huge sum over a 15-20-year period. Registering a property in the name of a woman will help in saving significantly on stamp duties.

Explained: How to reactivate your dormant MobiKwik, Paytm and Freecharge mobile wallets

BUSINESS

Explained: How to reactivate your dormant MobiKwik, Paytm and Freecharge mobile wallets

An e-wallet is considered inactive if there are no transactions made through it for a year. Some firms may levy maintenance charges in inactive accounts

We acted swiftly to pull down illegal Chinese digital lending apps: Fintech association

BUSINESS

We acted swiftly to pull down illegal Chinese digital lending apps: Fintech association

The Fintech Association for Consumer Empowerment (FACE) is working hard to usher in fair and transparent digital lending practices, says founding member Akshay Mehrotra. He lists the steps taken by the FACE to gain consumer confidence and checking unfair loan recovery methods

Explained: All about the home loan provisional certificate

BUSINESS

Explained: All about the home loan provisional certificate

The document is required for claiming tax deductions. You can apply for the certificate online and offline.

Complaints on banking services rose 65% in 2019-20: Here are a few lessons for customers

BUSINESS

Complaints on banking services rose 65% in 2019-20: Here are a few lessons for customers

Lack of clarity on RBI’s loan moratorium scheme and issues in digital transactions were key sources of complaints

Education loans: How to choose from banks, NBFCs and fintechs

BUSINESS

Education loans: How to choose from banks, NBFCs and fintechs

While interest rate is the primary deciding factor, borrowers should also consider the margin amount, repayment tenure and the moratorium period

How the CTS system will help in faster and efficient cheque processing

BUSINESS

How the CTS system will help in faster and efficient cheque processing

All bank branches in India would put in place the cheque truncation system by September 2021

Budget 2021: Will PMC Bank, others be able to get depositor’s insurance cover now?

BUSINESS

Budget 2021: Will PMC Bank, others be able to get depositor’s insurance cover now?

Finance minister Nirmala Sitharaman announced that deposits in banks that went into liquidation can also now access the depositors’ insurance cover. Experts predict this proposal would be applicable retrospectively.

Have a complaint against bank or NBFC or digital wallet? RBI to soon roll out a unified ombudsman

BUSINESS

Have a complaint against bank or NBFC or digital wallet? RBI to soon roll out a unified ombudsman

An ombudsman is authorioty to approach to, if your complaint isn’t satisfactorily resolved by the bank, NBFC or digital wallet

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