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Hiral Thanawala

Coordinator Special Features

moneycontrol.com

How fraudsters trick PF subscribers into transferring money to unknown accounts

BUSINESS

How fraudsters trick PF subscribers into transferring money to unknown accounts

For any EPF-related claims, do it yourself on the EPFO website or seek guidance from the HR department of your organisation instead of relying on an unknown third person

'Buy now, pay later' schemes: Debt traps that are best avoided

BUSINESS

'Buy now, pay later' schemes: Debt traps that are best avoided

Fintechs charge very high interest rates and late-payment fees

PhonePe’s ATM service: Should you use it to withdraw cash?

BUSINESS

PhonePe’s ATM service: Should you use it to withdraw cash?

The consumer should visit the store, have an interaction with the merchant for ATM service, and only then initiate the withdrawal process, not beforehand

Lending on P2P platforms: A risky proposition; not an investment

BUSINESS

Lending on P2P platforms: A risky proposition; not an investment

Typically, people who borrow on P2P platforms are those who don’t get loans from banks because of a weak credit profile or very low income

SBI’s virtual debit card: Should you opt for it?

BUSINESS

SBI’s virtual debit card: Should you opt for it?

The virtual card from SBI acts as a debit card with a limit. A user can apply for this virtual card only using the bank’s internet banking facility

Coming in July, a digital payments index: RBI

BUSINESS

Coming in July, a digital payments index: RBI

It would act as a benchmark for measuring the penetration of various digital payment modes in the country

Budget 2020: Not all account holders gain from a higher deposit cover

BUSINESS

Budget 2020: Not all account holders gain from a higher deposit cover

The onus of paying insurance premium is on the bank

Budget 2020: India’s deposit coverage per capita compares favourably to that of developed economies

BUSINESS

Budget 2020: India’s deposit coverage per capita compares favourably to that of developed economies

Deposit insurance coverage as a ratio of per capita income is now 4.1 times

Home loans with EMI waivers: Should you go for them?

BUSINESS

Home loans with EMI waivers: Should you go for them?

If you see your income rising periodically, a scheme that allows pre-payment is always better

We ensure protections against fraud attacks, faster identification and suspension of fraudsters: Google Pay

BUSINESS

We ensure protections against fraud attacks, faster identification and suspension of fraudsters: Google Pay

Do not reveal personal, banking or UPI login details to anyone on call, no matter how convincing they sound

Home loan application: How to improve the chances of approval

BUSINESS

Home loan application: How to improve the chances of approval

Apart from our salaries, it would be wise to club other sources income while making a case before the bank

Secure credit and debit card usage: How RBI's new directives help customers

BUSINESS

Secure credit and debit card usage: How RBI's new directives help customers

These are good steps towards curbing card frauds and unauthorised transactions

SBI’s new home finance scheme: Should you go for it?

BUSINESS

SBI’s new home finance scheme: Should you go for it?

The scheme is intended to be a confidence-booster for prospective home-buyers spooked by concerns around under-construction projects being abandoned

Got your first job? Follow these steps to have a balanced money life

BUSINESS

Got your first job? Follow these steps to have a balanced money life

Enjoy your financial freedom. Do Spend. But save something for the rainy day as well

How RBI’s MANI app for the visually challenged helps identify currency denominations

BUSINESS

How RBI’s MANI app for the visually challenged helps identify currency denominations

A visually challenged person can scan and identify the denominations by checking the front or reverse side of a currency note, including folded notes

Be ready to pay for loading your Paytm wallet through credit cards

BUSINESS

Be ready to pay for loading your Paytm wallet through credit cards

Effective January 1, 2020, Paytm has started charging a fee of two percent if you load your wallet in excess of Rs 10,000 using a credit card during a month

Defaulted on loans? Follow these steps to get out of a debt trap

BUSINESS

Defaulted on loans? Follow these steps to get out of a debt trap

In case you default on loans or foresee such a possibility, the first step is to work closely with your financial planner and find a solution

2020 to usher in lower EMIs for SBI’s home loan customers

BUSINESS

2020 to usher in lower EMIs for SBI’s home loan customers

You can decrease the EMI and keep the loan tenure unchanged. The other alternative is to reduce your loan tenure and keep the EMI unchanged.

How to invest in MFs using the UPI

BUSINESS

How to invest in MFs using the UPI

You can invest a lump-sum in an existing or new scheme

ICICI Bank’s Smart EMI: Only for those who compulsively change car models frequently

BUSINESS

ICICI Bank’s Smart EMI: Only for those who compulsively change car models frequently

After completing five years, in case you decide to buy the car then you need to arrange for a balloon repayment – a large lump-sum

Banks and fintech wrap 2019: Repo-linked loans, PSB mergers, digital payment boom and PMC Bank crisis

BUSINESS

Banks and fintech wrap 2019: Repo-linked loans, PSB mergers, digital payment boom and PMC Bank crisis

With loans being linked with repo-rate, when interest rates decline, your loan rate will also decrease correspondingly

Dear couples: Discuss money matters to avoid post-marriage financial mishaps

BUSINESS

Dear couples: Discuss money matters to avoid post-marriage financial mishaps

Disclosing all the assets and liabilities prior to the wedding keeps the surprises away

Personal and consumer durable loans have surged due to instant credit offered by fintechs: Experian

BUSINESS

Personal and consumer durable loans have surged due to instant credit offered by fintechs: Experian

We have seen borrowers taking multiple loans for specific needs such as travel, lavish marriage, medical emergency, etc.

RBI allows lenders to finance larger amounts on P2P platforms

BUSINESS

RBI allows lenders to finance larger amounts on P2P platforms

However, a lender cannot give more than Rs 50,000 to the same borrower across all P2P platforms, at any point in time.

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