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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>FinanceBuzz!</title> <atom:link href="https://www.financebuzz.net/feed/" rel="self" type="application/rss+xml" /> <link>https://www.financebuzz.net/</link> <description>Get Latest Financial Updates</description> <lastBuildDate>Thu, 07 Aug 2025 09:00:42 +0000</lastBuildDate> <language>en-US</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>https://wordpress.org/?v=6.8.2</generator> <image> <url>https://www.financebuzz.net/wp-content/uploads/2021/04/cropped-Finance-Buzz-32x32.jpg</url> <title>FinanceBuzz!</title> <link>https://www.financebuzz.net/</link> <width>32</width> <height>32</height></image> <item> <title>Facing AIS Mismatch While Filing ITR? Here’s What You Need to Know</title> <link>https://www.financebuzz.net/ais-mismatch-in-itr-what-to-know/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Thu, 07 Aug 2025 09:00:24 +0000</pubDate> <category><![CDATA[FINANCE]]></category> <category><![CDATA[AIS Mismatch in ITR]]></category> <category><![CDATA[ITR Filing]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6963</guid> <description><![CDATA[<p>Wondering how to resolve AIS mismatches? Learn how to match your ITR with Form 16,...</p><p>The post <a href="https://www.financebuzz.net/ais-mismatch-in-itr-what-to-know/">Facing AIS Mismatch While Filing ITR? Here’s What You Need to Know</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p><em>Wondering how to resolve AIS mismatches? Learn how to match your ITR with Form 16, home loan interest, and other income details as per the latest income tax guidelines.</em></p> <p>Confused about an AIS mismatch while filing your taxes? You are not alone. Many taxpayers are startled to find discrepancies in their income data while filing their Income Tax Return (ITR), especially when it doesn’t match the Annual Information Statement (AIS). But don’t worry, you’re not in trouble. With a little understanding and some quick action, this can be easily resolved.</p> <p>In this guide, we’ll simplify what AIS mismatch means, how it impacts your ITR filing, and the steps you need to follow — all based on the latest Income Tax Department guidelines. Whether you’re a salaried employee referring to your Form 16, a homeowner claiming deductions on a home loan, or a freelancer juggling multiple income sources, this article has got you covered.</p> <h2 class="wp-block-heading">What is ITR, and why does AIS matter?</h2> <p>Before diving into the mismatch issue, let’s address the basics.</p> <p><a href="https://www.bajajfinserv.in/insights/income-tax-return" target="_blank" rel="noreferrer noopener">Income Tax Return (ITR)</a> is a form that individuals, businesses, and other entities submit to the Income Tax Department to declare their income, expenses, tax deductions, and tax liabilities for a financial year. Filing your ITR is not just a legal obligation but also helps you:</p> <ul class="wp-block-list"><li>Claim tax refunds</li> <li>Get faster loan approvals</li> <li>Act as valid income proof</li> <li>Avoid penalties for non-compliance</li></ul> <p>AIS is a detailed statement introduced by the Income Tax Department that includes your:</p> <ul class="wp-block-list"><li>Salary income</li> <li>Interest income from banks</li> <li>Dividend income</li> <li>Securities transactions</li> <li>TDS and TCS details</li> <li>Foreign remittances</li> <li>Property transactions</li></ul> <p>In simple terms, it’s the government’s version of your financial year story — pulled from banks, employers, mutual funds, and more.</p> <h2 class="wp-block-heading">What is an AIS mismatch?</h2> <p>An AIS mismatch occurs when the income or transactions reported in your AIS don’t align with what you file in your ITR.</p> <p><strong>For instance:</strong></p> <ul class="wp-block-list"><li>You report Rs. 8.5 lakh salary income based on your <a href="https://www.bajajfinserv.in/insights/everything-you-need-to-know-about-form-16" target="_blank" rel="noreferrer noopener">Form 16</a>, but AIS shows Rs. 9 lakh</li> <li>Your AIS reports Rs. 15,000 interest from your fixed deposits, but you mention only Rs. 5,000 in your ITR</li> <li>You claim home loan interest deduction, but it’s not reflected properly in AIS</li></ul> <p>Such mismatches can trigger scrutiny or even delay your refund.</p> <h2 class="wp-block-heading">Why do AIS mismatches happen?</h2> <p>Here are some common reasons for discrepancies:</p> <figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>Reason</strong></td><td><strong>Explanation</strong></td></tr><tr><td><strong>Incorrect or delayed reporting by third parties</strong></td><td>Banks or employers may have submitted wrong figures or updated them late</td></tr><tr><td><strong>Duplicate entries in AIS</strong></td><td>The same transaction gets recorded twice</td></tr><tr><td><strong>Mismatch in interest income</strong></td><td>Many people forget to include FD or RD interest</td></tr><tr><td><strong>Property transaction timing</strong></td><td>The AIS may reflect the date of agreement differently from your sale date</td></tr><tr><td><strong>Missing TDS credits</strong></td><td>TDS not reflecting properly due to incorrect PAN quoting</td></tr></tbody></table></figure> <p><br>Even a minor inconsistency — like a Rs. 1,000 difference in interest income — can flag your return for review.</p> <h2 class="wp-block-heading">How to check for AIS mismatch before filing ITR</h2> <p>The Income Tax Department now recommends verifying AIS before filing your return. Here’s how:</p> <ol class="wp-block-list"><li>Visit the official income tax e-filing portal at www.incometax.gov.in and log in using your PAN credentials. After logging in, navigate to the ‘AIS’ option under the ‘Services’ section.</li> <li>Click on the ‘Proceed’ button to move to the next step.</li> <li>You’ll be redirected to the compliance portal. On the AIS homepage, you’ll see two options: Annual Information Statement (AIS) and Taxpayer Information Summary (TIS), displayed next to the instructions.</li> <li>Choose the relevant financial year. Click on the appropriate tile to view either the AIS or the TIS.</li> <li>To download the statements, click the download icon on the respective tiles. The TIS is available in PDF format. The AIS can be downloaded in both PDF and JSON formats.</li></ol> <h2 class="wp-block-heading">How to submit feedback in AIS and correct errors</h2> <p>If you notice any incorrect details in your AIS (Annual Information Statement), you can submit feedback to get them corrected. This can be done either online or offline, but the online mode is more convenient and is available directly in the AIS section of the compliance portal.</p> <p><strong>Follow these steps to submit feedback and rectify errors in your AIS:</strong></p> <p>1. Go to the AIS section of the income tax compliance portal (as described earlier).</p> <p>2. You’ll see various categories such as:</p> <ul class="wp-block-list"><li>TDS/TCS Information</li> <li>SFT (Specified Financial Transactions)</li> <li>Payment of Taxes</li> <li>Demands and Refunds</li> <li>Other Information</li></ul> <p>3. Click on the section where the discrepancy exists. For example, if you notice an issue under SFT Information, select that category.</p> <p>4. Choose the specific data entry you want to correct. Click to expand the row, and then click on the ‘Optional’ button to submit your feedback.</p> <p>5. Enter the correct details and submit your response. Once submitted, the updated value will be reflected in the system.</p> <p>The feedback you provide is used to update the derived value in your Taxpayer Information Summary (TIS), which is then used to pre-fill your ITR form. So, it’s important to make sure the corrected figures are accurate.</p> <h2 class="wp-block-heading">What to do if there’s an error in AIS or Form 26AS?</h2> <p>AIS includes information received by the Income Tax Department from various reporting entities such as banks, employers, mutual funds, etc. These entities are required by law to report high-value transactions.</p> <p>However, there may be instances where:</p> <ul class="wp-block-list"><li>The data for a certain period hasn’t been updated yet</li> <li>Transactions are reported incorrectly</li> <li>Some information is missing or duplicated</li></ul> <p>That’s why taxpayers should verify their AIS carefully before filing ITR. If you find any errors, use the feedback mechanism to submit corrections as explained above.</p> <h2 class="wp-block-heading">Why it’s important to fix AIS mismatches</h2> <p>Recently, the Income Tax Department flagged over 68,000 cases where there was a mismatch between AIS data and the ITR filed. These discrepancies are treated as underreporting of income, which can result in:</p> <ul class="wp-block-list"><li>Notices or scrutiny</li> <li>Penalties and interest</li> <li>Delay in refunds</li></ul> <p>To avoid such issues, always ensure that the income you declare in your return matches the details in your AIS and Form 26AS. Rectify any mismatches through the AIS feedback process before submitting your ITR.</p><p>The post <a href="https://www.financebuzz.net/ais-mismatch-in-itr-what-to-know/">Facing AIS Mismatch While Filing ITR? Here’s What You Need to Know</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>Why More Companies Are Choosing ESOPs For Team Motivation</title> <link>https://www.financebuzz.net/companies-adopting-esops-for-team-motivation-india/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Thu, 07 Aug 2025 08:45:41 +0000</pubDate> <category><![CDATA[FINANCE]]></category> <category><![CDATA[ESOPs For Team Motivation]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6960</guid> <description><![CDATA[<p>Employee Stock Option Plans, also known as ESOPs, are quickly becoming popular across India, especially...</p><p>The post <a href="https://www.financebuzz.net/companies-adopting-esops-for-team-motivation-india/">Why More Companies Are Choosing ESOPs For Team Motivation</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>Employee Stock Option Plans, also known as ESOPs, are quickly becoming popular across India, especially among growing businesses and start-ups. Companies see ESOP and ESOP financing as tools that not only retain but also motivate talented professionals. This detailed article explores the reasons behind this shift and why more Indian companies are leveraging ESOPs for effective team motivation.</p> <p>By understanding ESOPs’ mechanisms, benefits, and impact, businesses can make informed decisions to strengthen their teams and encourage loyalty. Let us delve into the reasons Indian firms are turning towards ESOPs and how ESOP financing solutions can further boost this momentum.</p> <h2 class="wp-block-heading">What is an ESOP</h2> <p>An Employee Stock Option Plan (<a href="https://www.bajajfinserv.in/esop-financing" target="_blank" rel="noreferrer noopener">ESOP</a>) is a workplace benefit where employees receive the right to purchase or be allotted the company’s shares at a future date, often at a preferential price. This right is offered as a reward for their performance or tenure with the company.</p> <p>In India, ESOPs have become particularly attractive in the start-up ecosystem but are also growing in popularity with established corporations. ESOPs align employee interests with organisational growth, driving productivity and innovation.</p> <h2 class="wp-block-heading">How ESOPs function</h2> <p>ESOPs work on the principle of vesting. Companies grant options to employees, who then acquire ownership over time, known as the vesting period. Once vested, employees may exercise their options, often paying a pre-set exercise price to receive shares. If the company’s value has appreciated, employees stand to benefit financially.</p> <p>This process is governed by clear policies, including the vesting schedule, exercise price, lock-in period, and exit mechanisms. Understanding these components helps companies design ESOPs that maximise team motivation.</p> <h2 class="wp-block-heading">The rising popularity of ESOPs in India</h2> <h3 class="wp-block-heading">ESOPs as a motivational tool</h3> <p>ESOPs convert employees into stakeholders. This fosters a sense of ownership and belonging, often motivating staff beyond monetary incentives alone. According to data by Nasscom, more than 80% of Indian start-ups have introduced ESOP policies as a key retention strategy during 2021-23.</p> <p>By aligning an individual’s success with the company’s growth, ESOPs boost morale and increase engagement across teams.</p> <h3 class="wp-block-heading">ESOPs in the Indian start-up ecosystem</h3> <p>Indian start-ups such as Flipkart, Byju’s, and Swiggy have distributed thousands of crores worth of ESOPs in recent years. Several companies have even created liquidity events—where employees can sell their shares—encouraging broader wealth creation.</p> <p>By offering ESOPs, companies can compete effectively for top tech and managerial talent. The immediate impact is seen in lower attrition rates and improved productivity.</p> <h3 class="wp-block-heading">Established companies launching ESOP schemes</h3> <p>It is not just start-ups who are leveraging the benefits. Established firms like Infosys, Wipro, and Tata Consultancy Services (TCS) also use ESOP schemes as part of their compensation packages. The move towards ESOP and ESOP financing is clear across the business landscape.</p> <h2 class="wp-block-heading">Benefits of ESOPs for Indian companies</h2> <p><strong>Below are the benefits of ESOPs for Indian companies:</strong></p> <h3 class="wp-block-heading">1. Improving employee retention</h3> <p>Retaining skilled employees is an ongoing challenge, especially in sectors like technology and finance. ESOPs, with their multi-year vesting schedules, directly address this issue. Employees stay longer to benefit from their vested shares, reducing hiring and training costs for companies.</p> <h3 class="wp-block-heading">2. Enhancing organisational performance</h3> <p>ESOPs inspire a sense of responsibility among staff. When employees know their efforts affect their own financial gain, performance tends to increase. According to Grant Thornton, ESOP companies in India have reported a 10% higher annual growth rate compared to their non-ESOP counterparts.</p> <h3 class="wp-block-heading">3. Aligning the interests of employees and owners</h3> <p>Employees with ESOPs think like owners. This alignment reduces workplace friction and encourages team members to work collaboratively towards common goals. It strengthens organisational culture and helps companies weather challenging periods more effectively.</p> <h3 class="wp-block-heading">4. Build wealth for employees</h3> <p>Many Indian employees have benefited substantially from ESOPs. For example, during Flipkart’s acquisition by Walmart in 2018, nearly 3,000 staff collectively received Rs. 6,300 crore through ESOP liquidations. Such stories motivate teams and drive aspirational growth.</p> <h2 class="wp-block-heading">The evolving landscape of ESOP financing in India</h2> <h3 class="wp-block-heading">1. What is ESOP financing</h3> <p>ESOP financing refers to specialised loans that allow employees to pay for the exercise of their stock options without tapping into personal savings. Financial institutions part-finance the exercise cost, making ESOPs more accessible, especially for mid-level employees who may not have significant liquid assets.</p> <h3 class="wp-block-heading">2. How ESOP financing works</h3> <p>Eligible employees approach lenders who offer loans against the underlying value of their ESOPs. The loan amount is used to pay the exercise price and associated taxes. Once the employee sells the shares, the loan is repaid, with the remaining profit going to the employee. This model helps bridge the gap for employees who might otherwise hesitate to participate due to high exercise costs.</p> <h3 class="wp-block-heading">Growing popularity of ESOP financing among Indian employees</h3> <p>Several major Indian financial institutions now provide ESOP financing solutions, including banks and specialised NBFCs. These offerings have expanded access to ESOP benefits, allowing more employees to exercise options during liquidity events or IPOs.</p> <p>As a result, ESOP financing is helping to unlock the full motivational potential of ESOP schemes in both established firms and start-ups.</p> <h2 class="wp-block-heading">Legal and regulatory considerations for ESOPs in India</h2> <p>Below are the legal and regulatory considerations for ESOPs in India:</p> <h3 class="wp-block-heading">1. SEBI and Companies Act compliance</h3> <p>Indian ESOP schemes are carefully regulated by the Securities and Exchange Board of India (SEBI) as well as provisions in the Companies Act, 2013. Companies must follow strict procedures regarding disclosures, vesting schedules, and eligibility.</p> <p>This ensures transparency and protects the interests of both the company and its employees.</p> <h3 class="wp-block-heading">2. Tax implications for ESOP holders</h3> <p>Employees must consider the tax impact of ESOPs. In India, the difference between the fair market value and exercise price on the exercise date is treated as perquisite income and taxed accordingly. Later, any capital gains on sale of shares are taxed separately. Tax-efficient planning can help employees maximise their returns.</p> <h2 class="wp-block-heading">Steps for Indian companies looking to implement ESOPs</h2> <p>Here are the easy steps for Indian companies looking to implement ESOPs:</p> <h3 class="wp-block-heading">Designing a competitive ESOP policy</h3> <p>Companies must assess their objectives and business goals before introducing ESOPs. Key factors include:</p> <p>– Deciding which employees and job levels are eligible </p> <p>– Setting a vesting period and exercise price </p> <p>– Determining the total pool of shares allocated for ESOPs </p> <p>– Crafting exit and liquidity mechanisms</p> <p>A well-designed ESOP policy attracts top talent and sets clear expectations.</p> <h2 class="wp-block-heading">Communicating the ESOP advantage</h2> <p>Transparent communication is critical. Employees should clearly understand the benefits, timelines, taxation, and risks associated with ESOPs. Companies with successful ESOP programmes often hold regular workshops and Q&A sessions.</p> <h2 class="wp-block-heading">Partnering with ESOP financing providers</h2> <p>Identifying ESOP financing partners ensures employees can unlock value from their stock options. Lenders assess the value of allotted ESOPs, the company’s performance, and planned liquidity events before offering loans. Seamless ESOP financing support can maximise participation.</p> <h2 class="wp-block-heading">Common challenges and ways to overcome them</h2> <p>Here are some of the common challenges and ways to overcome them:</p> <h3 class="wp-block-heading">Managing employee expectations</h3> <p>Fluctuations in market value can affect the perceived value of ESOPs. Companies must communicate potential risks as well as rewards, setting realistic expectations.</p> <h3 class="wp-block-heading">Dealing with dilution</h3> <p>Allocating more shares for ESOPs dilutes existing shareholders’ equity. It is crucial for management to balance employee motivation with shareholder interests.</p> <h3 class="wp-block-heading">Addressing liquidity concerns</h3> <p>Employees are often concerned about when and how they can monetise their ESOPs. Regular buybacks or facilitated liquidity events can help maintain ESOPs’ value as a motivational tool.</p> <h2 class="wp-block-heading">Real-world examples of successful ESOPs in India</h2> <p>Here are a few real-world examples of successful ESOPs in India:</p> <h3 class="wp-block-heading">Flipkart</h3> <p>Flipkart’s well-structured ESOP programme has created hundreds of crorepatis. The company has held multiple ESOP buyback events, empowering employees at all levels to benefit from its growth.</p> <h3 class="wp-block-heading">Info Edge (Naukri.com)</h3> <p>Info Edge, the parent company of Naukri.com, has used ESOPs and ESOP financing options extensively. Their employees have profited from the company’s stock appreciation, leading to high retention levels.</p> <h3 class="wp-block-heading">Urban Company</h3> <p>Urban Company, a leading start-up, facilitated an ESOP liquidity event worth Rs. 55 crore in 2021. This allowed over 400 employees to convert their options into substantial returns, reflecting the power of a well-managed ESOP policy.</p> <h2 class="wp-block-heading">The future of ESOPs and ESOP financing in India</h2> <p>With India’s start-up ecosystem expanding rapidly and large corporations also embracing employee ownership, the ESOP and ESOP financing landscape is set for further growth. Innovations in ESOP structuring, regulatory support, and financing solutions will make them an even more attractive part of compensation packages.</p> <p>As more firms witness the direct link between ESOP-driven motivation and business outcomes, ESOPs are likely to become a standard fixture in the Indian workplace.</p> <p><a href="https://www.bajajfinserv.in/loan-against-fixed-deposit" target="_blank" rel="noreferrer noopener">Loan against fixed deposit</a> can complement ESOP financing by providing a low-risk, low-interest funding option for employees looking to exercise their stock options. This enables individuals to unlock value without prematurely liquidating their investments or disrupting long-term financial plans.</p> <h2 class="wp-block-heading">Conclusion</h2> <p>Companies across India are increasingly turning to ESOP and ESOP financing to keep their teams motivated and committed. By offering a stake in the company’s long-term success, ESOPs encourage productivity, boost loyalty, and help to retain top performers. The availability of ESOP financing has made these schemes accessible to a wider talent pool, maximising their effectiveness.</p> <p>As regulatory clarity, innovative financing solutions, and success stories continue to grow, Indian businesses should strongly consider ESOPs as a strategic tool for sustainable team motivation. With a robust ESOP and ESOP financing framework, companies can create a win-win scenario for both employees and business owners—securing a bright, motivated, and loyal workforce for years to come.</p><p>The post <a href="https://www.financebuzz.net/companies-adopting-esops-for-team-motivation-india/">Why More Companies Are Choosing ESOPs For Team Motivation</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>How Health Insurance Plans Differ for Individuals vs Corporate Groups</title> <link>https://www.financebuzz.net/individual-vs-corporate-health-insurance/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Wed, 06 Aug 2025 12:08:53 +0000</pubDate> <category><![CDATA[INSURANCE]]></category> <category><![CDATA[Health Insurance For Individuals vs Corporate Groups]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6957</guid> <description><![CDATA[<p>Choosing the right health cover is more than just ticking a box on your financial...</p><p>The post <a href="https://www.financebuzz.net/individual-vs-corporate-health-insurance/">How Health Insurance Plans Differ for Individuals vs Corporate Groups</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>Choosing the right health cover is more than just ticking a box on your financial checklist. It’s about knowing what works for your lifestyle, your family’s needs, and the realities of your job situation. In India, many people either buy their <a href="https://www.hdfcergo.com/health-insurance" target="_blank" rel="noreferrer noopener">health insurance plans</a> or rely on the policy provided by their employer. On the surface, both seem to offer similar protection, but the details reveal significant differences.</p> <p>Let’s break down how health insurance for individuals stacks up against what companies offer their teams through group policies.</p> <h2 class="wp-block-heading">What Makes Individual Health Insurance Unique?</h2> <p>A personal policy is what you choose on your own. It may belong only to you, or you may choose family health insurance plans depending on the number of individuals you need to cover. You can choose the amount of money you want to take as cover, the category of add-ons you would like to take, and the type of hospitals you would like to receive treatment in.</p> <p><strong>Here are some highlights:</strong></p> <ul class="wp-block-list"><li><strong>Custom cover</strong>: You have complete control over the amount, benefits, and add-ons you want.<br></li> <li><strong>Flexible upgrades</strong>: Over time, you can add maternity cover, wellness benefits, or even international hospital access.<br></li> <li><strong>Long-term security</strong>: These policies continue no matter where you work or live.<br></li> <li><strong>Personal choice</strong>: You decide the provider, the plan, and the premium bracket that suits your financial situation.</li></ul> <h2 class="wp-block-heading">Understanding Corporate Group Health Insurance</h2> <p>Corporate or group health cover is a standard benefit that many Indian employers offer. It is generally extended to employees and, in some cases, their immediate families. The cost is usually borne by the employer, and there’s little or no involvement from the employee in terms of plan design or premium calculation.</p> <p><strong>What stands out in group insurance:</strong></p> <ul class="wp-block-list"><li><strong>Immediate coverage</strong>: Most group policies do not have a waiting period for pre-existing illnesses.<br></li> <li><strong>Minimal or no paperwork</strong>: Enrolment is automatic once you join the organisation.<br></li> <li><strong>Often free or low-cost</strong>: The employer bears the bulk of the cost.<br></li> <li><strong>Limited flexibility</strong>: You don’t get to tweak the benefits as per personal preferences.</li></ul> <h2 class="wp-block-heading">Key Differences Between Individual and Corporate Health Insurance</h2> <p>Below are the main distinctions between the two:</p> <figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>Feature</strong></td><td><strong>Individual Policy</strong></td><td><strong>Corporate Policy</strong></td></tr><tr><td>Personalisation</td><td>High</td><td>Low</td></tr><tr><td>Cost to you</td><td>Paid by you</td><td>Mostly free</td></tr><tr><td>Portability</td><td>You retain it always</td><td>Ends when you leave the job</td></tr><tr><td>Covers pre-existing conditions</td><td>After a waiting period</td><td>Often from day one</td></tr><tr><td>Plan control</td><td>Fully in your hands</td><td>Determined by the employer</td></tr></tbody></table></figure> <h2 class="wp-block-heading">Why You Shouldn’t Rely Only on Your Company Policy?</h2> <p>While corporate insurance is a valuable perk, especially when it’s free or low-cost, it comes with several limitations that make it risky to depend on alone.</p> <ul class="wp-block-list"><li><strong>It ends when you change jobs</strong>: If you resign, retire, or switch fields, your group coverage doesn’t follow you.<br></li> <li><strong>Cover may be too basic</strong>: Some companies go for minimal policies to control costs. These may not cover all treatments or offer room rent flexibility.<br></li> <li><strong>It might not include dependents</strong>: Spouses, parents, or children may not be part of the base cover unless you pay extra.</li></ul> <p>For complete peace of mind, it’s always advisable to explore health insurance for the family under an individual or floater plan. This ensures continuity and customisation, no matter your employment status.</p> <h2 class="wp-block-heading">Planning for the Long Term? Individual Cover is the Way Forward</h2> <p>People often start thinking about personal insurance after they face a health emergency or lose access to their corporate plan. But by then, costs may have gone up, or health conditions might already exist, which could increase the premium.</p> <p>Here are the tips to plan smartly:</p> <ul class="wp-block-list"><li>Use a health insurance premium calculator to estimate what you might pay annually.<br></li> <li>Choose a provider that offers renewal for life, not just until you hit a certain age.<br></li> <li>Don’t wait until retirement. The earlier you start, the cheaper and more comprehensive your policy tends to be.</li></ul> <h2 class="wp-block-heading">Adding a Family to the Picture? Consider Floater Plans</h2> <p>Many insurers today offer health insurance plans for families, also called floater policies. These combine all family members under one sum insured, making it cost-effective while offering more exhaustive coverage.</p> <p><strong>Benefits of floater plans:</strong></p> <ul class="wp-block-list"><li>One premium covers multiple people.<br></li> <li>Ideal for young families with children.<br></li> <li>Easy to manage and renew.</li></ul> <h2 class="wp-block-heading">How to Choose the Best Health Insurance Plan for You</h2> <p>There’s no one-size-fits-all. But a good plan, whether individual or corporate-backed, should offer:</p> <ul class="wp-block-list"><li>Access to a vast network of hospitals for cashless treatment.<br></li> <li>Simple claim process without too many formalities.<br></li> <li>Minimal exclusions and clearly written terms.<br></li> <li>Value for money across age groups and health stages.</li></ul> <p>When comparing options, a health insurance premium calculator can help simulate costs. It’s a handy tool to gauge affordability before you commit.</p> <h2 class="wp-block-heading">Conclusion</h2> <p>Group health insurance offered by companies is certainly a welcome benefit, but it should not be mistaken for comprehensive lifelong protection. It’s more of a starting point. For sustained, flexible, and family-centric coverage, having a personal policy is essential.</p> <p>You don’t have to choose one over the other. In fact, the most innovative approach is to combine both. Let your employer-sponsored policy take care of day-to-day needs while your policy backs you up in case of job shifts, medical inflation, or ageing family members needing long-term care.</p><p>The post <a href="https://www.financebuzz.net/individual-vs-corporate-health-insurance/">How Health Insurance Plans Differ for Individuals vs Corporate Groups</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>How To Use Ai-generated Content Without Compromising Authenticity</title> <link>https://www.financebuzz.net/ai-content-with-authenticity/</link> <dc:creator><![CDATA[Mahesh Kumar]]></dc:creator> <pubDate>Tue, 05 Aug 2025 10:05:43 +0000</pubDate> <category><![CDATA[TECHNOLOGY]]></category> <category><![CDATA[AI-generated content]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6952</guid> <description><![CDATA[<p>Introduction From the day ChatGPT was released, our world has completely changed. Pupils have made...</p><p>The post <a href="https://www.financebuzz.net/ai-content-with-authenticity/">How To Use Ai-generated Content Without Compromising Authenticity</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<h2 class="wp-block-heading">Introduction</h2> <p>From the day ChatGPT was released, our world has completely changed. Pupils have made their lives easier using AI during tests, and several working positions have faded away and have been replaced by artificial intelligence. Several other text generator AI applications appeared on the market with improved skills and with more complex working schemes.</p> <p>The public got hyped about the AI boom; some of them even started to point out the first few professions that will be erased by AI. Content writing was a part of this group, and it’s not a coincidence. In 2025, text-generating AI tools can perfectly copy, or even exceed, professional copywriters’ writing quality.</p> <p>However, even though they are one step away from becoming unrecognizable, it is still not the case. Most of the online readers still recognize the patterns of AI writing, as well as Google itself. Which means, you not only lose a portion of your online visitors due to their anger, but Google won’t recommend your site to other users, as it may classify your site as low quality.</p> <p>In this article, you will learn how to use AI without compromising Google and your audience. You will learn that AI isn’t worth anything without human help!</p> <h2 class="wp-block-heading">What is the real problem with AI-generated copywriting?<a href="https://www.freepik.com/free-vector/workspace-with-robot-working-computer-keyboard-top-view_9896107.htm#fromView=search&page=1&position=2&uuid=cdbbb901-d16d-4770-be87-a7f393861018&query=ai+generated+copywriting"></a></h2> <figure class="wp-block-image aligncenter size-full"><img fetchpriority="high" decoding="async" width="398" height="193" src="https://www.financebuzz.net/wp-content/uploads/2025/08/AI-Robots-using-Desktop-1.jpg" alt="AI Robots using desktop" class="wp-image-6955" srcset="https://www.financebuzz.net/wp-content/uploads/2025/08/AI-Robots-using-Desktop-1.jpg 398w, https://www.financebuzz.net/wp-content/uploads/2025/08/AI-Robots-using-Desktop-1-300x145.jpg 300w" sizes="(max-width: 398px) 100vw, 398px" /></figure> <p>There are approximately 1.12 billion websites <a href="https://www.demandsage.com/website-statistics/" target="_blank" rel="noreferrer noopener nofollow">on the internet.</a> We just want to say that you probably have a lot of competitors online. And they all want the same: grab the attention of their target audiences! In reality, users only want to buy from one website, so the competition is really tight.</p> <p>There are several aspects that you can be better than your rivals, but some of them can’t be changed in the short term. Just think about it, you can’t switch from one supplier to another that fast. These decisions take time, which ties your hands in the decision-making process.</p> <p>But when you can’t be cheaper, or can’t sell better, or newer products, what can you do to take the lead? Well, you need to show the users who you are and what you stand for. You need to establish a brand that has its own voice, tone, and characteristics. These make your website and your brand special. And that’s what AI doesn’t know about you.</p> <h2 class="wp-block-heading">Why is authenticity important as a brand?</h2> <p>Trust is one of the key factors of a buyer-seller cooperation. If you can’t ensure a safe environment for the potential buyers, they will choose another website.</p> <p>Some business owners believe that experts overemphasize this concern. They believe that if your website works legally, and you don’t want to fool anyone, this problem is solved. However, it is a little bit more complicated than that. Brand authenticity has a lot of other smaller fragments, which indicate whether the user should buy or not buy from the chosen website. For example, if your website is complex, slow-loading, or doesn’t contain real faces, they all decrease its authenticity to a greater or lesser extent.</p> <p>This increases the number of cart abandonments and conversion bounces. An uncontrolled, laissez-faire type of AI usage also affects website authenticity in the wrong way. And even if you <a href="https://www.rackhost.uk/domain" target="_blank" rel="noreferrer noopener">reserve the right domain</a>, spend millions for advertising, or offer the best products, nothing saves you from hitting rock bottom.</p> <h2 class="wp-block-heading">5 tips to use AI without compromising your brand’s authenticity</h2> <p><strong>In this part of the article, we give you some tips on how to use AI-generated content without losing users on your site and violating Google regulations.</strong></p> <h3 class="wp-block-heading">a. AI shouldn’t be the only writer</h3> <p>AI writes your blog article in under 30 seconds. Through that time, you can barely write one sentence. The difference speaks for itself, and you should not neglect it. However, AI is predictable and uses the same schemes.</p> <p>Nowadays, several AI checker tools exist, which quite successfully detect AI texts. That’s just one slice of the problem. The most crucial thing is that, after 3 years of continuous AI text reading, several humans detect that with their own eyes.</p> <p>That’s why you should rely on AI, but manually make the text more exciting and less predictable. Add statistics that artificial intelligence would never find, share personal stories that AI never knew about, and most importantly: Adjust the structure to feel more human-written.</p> <h3 class="wp-block-heading">b. Strive for the right tone</h3> <p><strong>We mentioned earlier that setting a tone for your website content is an essential part of your success. However, pure AI texts can’t substitute that.</strong> For example, if you want a blog article about the meaning of the green color in our everyday life, AI will potentially write you a great article.</p> <p><strong>However, artificial intelligence doesn’t know anything about your writing style.</strong></p> <ul class="wp-block-list"><li><em>How humorous can it be?</em></li> <li><em>How do you refer to your customers?</em></li> <li><em>Are there any industry-specific side-jokes, videos, or memes that fit well?</em></li></ul> <p>And there are many other questions. Of course, you can write more about your company to the AI software itself, and give more powerful prompts to recognize what you really want. But it won’t be perfect without adding your own, or your company’s personality.</p> <h3 class="wp-block-heading">c. Inject real-life elements into your content</h3> <p>AI doesn’t know everything. It won’t write down your experiences about the last summit you participated in. Or your all-around conversation with the representatives of the biggest companies in your niche. However, this information makes your content valuable. This makes your brand stand out!</p> <p>Also, an AI tool is not perfectly up-to-date. Try to get tonight’s football result from one of these AI text generators. It will write you something, as these are all programmed to answer you at any cost, but it won’t know the right answer. And that’s the case with new YouTube videos, blog articles, or social media posts. Try to include recent hot topics in your article, answer recent questions, and give relevant industry-specific hints. </p> <h3 class="wp-block-heading">d. Don’t deny what some readers identify</h3> <p>Okay, you are busted. Your audience knows that you used AI tools to give answers to them or to write an article. That makes you a worse person? Definitely not! AI has some super cool benefits, website users get quicker responses, for example.</p> <p>However, it is unlikely that your visitors will fly to the moon to hear that news. They will feel like you start to neglect them, and these changes only contribute to your rising profit margins, not their satisfaction. In a case like this, denying is the worst option. They will identify lies and punish these companies radically.</p> <p>Instead of that, claim that AI helps your process, but you use it to give more value to your clients. Here, you need to highlight the advantages of AI usage and how it will transform the user experience in a good way.</p> <h3 class="wp-block-heading">e. Be aware of where the trends go</h3> <p>Globally, companies are spending about one-third of the UK’s entire GDP on AI in 2025. Which means this industry will be full of surprises. New – and even smarter – AI models, new regulations and rules, and new SEO changes. These will all determine the future of AI-generated content.</p> <p>But that’s just one half that we want to raise awareness about. On the other hand, user reaction will also change. Nowadays, AI is a completely new area that we are amazed by. In 1 year, this trend can even turn around. That time, we can be fed up with AI texts and try to avoid them at any cost.</p> <p>The future is uncertain, but you need to always be one step ahead of your competitors. Analyze the AI market from time to time!</p> <h2 class="wp-block-heading">Conclusion</h2> <p>In this article, we wrote about AI-generated content and its possible negative effects on your brand authenticity. We also gave you five tips that help you to remain relevant, even though you take advantage of this type of content!</p> <p>Acknowledge that you should never refuse to use innovative ideas that reform your whole industry,but be careful not to be blinded by the shine. Sometimes it takes away your own ability to think!</p><p>The post <a href="https://www.financebuzz.net/ai-content-with-authenticity/">How To Use Ai-generated Content Without Compromising Authenticity</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>How Foreign Investors Can Benefit from Indian REITs</title> <link>https://www.financebuzz.net/foreign-investors-indian-reits-benefits/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Mon, 04 Aug 2025 17:42:27 +0000</pubDate> <category><![CDATA[INVESTING]]></category> <category><![CDATA[Indian REITs for foreign investors]]></category> <category><![CDATA[Invest in Indian REITs]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6948</guid> <description><![CDATA[<p>The world’s appetite for stable, income-generating real estate is growing. But in mature markets, those...</p><p>The post <a href="https://www.financebuzz.net/foreign-investors-indian-reits-benefits/">How Foreign Investors Can Benefit from Indian REITs</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>The world’s appetite for stable, income-generating real estate is growing. But in mature markets, those opportunities are becoming harder to find. Yields are compressing, asset prices are elevated, and new growth avenues are limited.</p> <p>In contrast, India offers something many global investors are seeking but rarely find: scale, growth, and structure. Its commercial real estate sector is expanding, not stagnating, and REITs provide a regulated, listed format to access it.</p> <p>For foreign investors, Indian REITs are not just an entry point into a high-growth market. They represent a calibrated way to capture rising income streams, portfolio diversification, and long-term urban demand, all within a governance framework that aligns with international standards.</p> <h2 class="wp-block-heading">India’s REIT Market Is Built for Scaled, Transparent Investment</h2> <p>The REIT model in India has evolved significantly since its launch in 2019. Backed by SEBI regulations, Indian REITs offer:</p> <ul class="wp-block-list"><li>Institutional-grade portfolios across offices, retail, and logistics</li> <li>Mandatory distribution of at least 90% of net distributable cash flows</li> <li>Public reporting, disclosures, and valuation norms aligned with global practices</li></ul> <p>These guardrails make REITs easier to access, understand, and trust, especially for foreign portfolio investors (FPIs), foreign direct investors (FDIs), and non-resident Indians (NRIs).</p> <p>Unlike direct real estate ownership, which involves legal complexities and local oversight, REITs allow investors to tap into India’s urban commercial real estate with simplicity and scale.</p> <h2 class="wp-block-heading">Why Global Capital Is Looking at Indian REITs</h2> <h3 class="wp-block-heading">1. India Offers Real Demand-Driven Growth</h3> <p>Unlike real estate in several developed markets, where work-from-home trends and economic uncertainty have weakened leasing momentum, India’s top office markets are seeing robust absorption.</p> <p>This demand is driven by structural factors:</p> <ul class="wp-block-list"><li>Growth of Global Capability Centers (GCCs)</li> <li>Expanding tech and services sectors</li> <li>Young, urban workforce fueling city development</li></ul> <p>REITs with well-located campuses and marquee tenants are well-positioned to benefit from this trend.</p> <h3 class="wp-block-heading">2. Attractive Yields with Reinvestment Potential</h3> <p><a href="https://economictimes.indiatimes.com/defaultinterstitial.cms" target="_blank" rel="noreferrer noopener">Most Indian REITs offer dividend yields between 6% to 7%</a>, supported by stable rentals and low vacancy levels. These yields are paid quarterly or semi-annually and backed by long-term contracts with global occupiers.</p> <p>For institutional investors facing near-zero returns in government bonds or developed market real estate, Indian REITs offer both income and capital growth potential.</p> <h2 class="wp-block-heading">Key Advantages for Foreign Investors in Indian REITs</h2> <h3 class="wp-block-heading">1. High-Quality Assets in Core Indian Cities</h3> <p>REITs hold premium office parks, malls, and mixed-use developments in India’s most active business districts. These assets are leased to companies such as Google, Accenture, Amazon, and large Indian conglomerates.</p> <p>For example:</p> <ul class="wp-block-list"><li><a href="https://www.brookfieldindiareit.in/" target="_blank" rel="noreferrer noopener">Brookfield India REIT</a> portfolio of campuses across Mumbai, Noida, Kolkata, Ludhiana, Delhi NCR, and Gurugram</li> <li>Embassy REIT operates in Bengaluru, Pune, and Chennai with high tenant stickiness</li> <li>Mindspace REIT has a balanced mix of core and growth city assets</li></ul> <p>Access to these properties outside the REIT route is operationally difficult for foreign capital.</p> <h3 class="wp-block-heading">2. Liquidity Compared to Direct Real Estate</h3> <p>REITs are listed on Indian stock exchanges, offering easy entry and exit. This liquidity makes REITs suitable for a wider range of foreign investors, especially those unable to participate in illiquid real estate funds or who prefer shorter investment horizons.</p> <p>Price discovery is transparent, and daily trading volumes continue to improve as the investor base expands.</p> <h3 class="wp-block-heading">3. Built-In Diversification and Risk Mitigation</h3> <p>Each REIT typically holds multiple assets across cities and sectors. This reduces the impact of asset-specific or location-specific risks. Additionally, tenants are spread across industries, limiting sectoral concentration.</p> <p>This level of diversification is difficult to replicate in private real estate portfolios, especially across international borders.</p> <h3 class="wp-block-heading">4. Regulatory Clarity and Compliance Standards</h3> <p>REITs operate within the SEBI framework, which governs:</p> <ul class="wp-block-list"><li>Minimum public shareholding norms</li> <li>Quarterly earnings disclosure</li> <li>Independent valuation</li> <li>Distribution obligations</li></ul> <p>This increases investor confidence and ensures operational transparency, aligning Indian REITs with global benchmarks.</p> <h2 class="wp-block-heading">How Foreign Investors Can Participate</h2> <ul class="wp-block-list"><li><strong>FPI and FDI Channels</strong></li></ul> <p>Foreign Portfolio Investors (FPIs) can invest in REIT units through Indian stock exchanges under SEBI guidelines. This route is ideal for institutions seeking listed exposure.</p> <p>Foreign Direct Investment (FDI) is also permitted in REITs, particularly during IPOs or through private placements. This allows anchor investors and long-term capital allocators to participate at the fundraising stage.</p> <ul class="wp-block-list"><li><strong>NRI Participation in Indian REITs</strong></li></ul> <p>Non-Resident Indians (NRIs) can invest in REITs through their NRE/NRO accounts. The process is similar to equity investing and offers portfolio exposure without requiring on-ground property management.</p> <p>Repatriation of returns is permitted based on the investment account used and compliance with RBI norms.</p> <h2 class="wp-block-heading">Tax Considerations for Foreign Investors</h2> <p>Indian REITs follow a pass-through model for most income streams. The key tax components include:</p> <ul class="wp-block-list"><li><strong>Interest income</strong>: Taxed at 5% withholding for FPIs (if eligible under DTAA)</li> <li><strong>Dividend income</strong>: May be tax-exempt if paid from post-tax SPV profits</li> <li><strong>Capital gains</strong>: Listed REIT units are taxed at 15% for short-term gains and 10% for long-term gains above ₹1 lakh</li></ul> <p>Fund repatriation is allowed under FEMA with proper documentation. International <a href="https://pyng.co.in/c/financial-consultants-llueg7/tax-planners-fbheod/" target="_blank" rel="noreferrer noopener">Tax Consultants</a> often structure REIT investments to benefit from favourable tax treaties with countries like Singapore, the US, or Luxembourg.</p> <h2 class="wp-block-heading">Evaluating the Right REIT to Invest In</h2> <p>When assessing Indian REITs, foreign investors should consider:</p> <ul class="wp-block-list"><li><strong>Net Operating Income (NOI)</strong> growth trends</li> <li><strong>Weighted Average Lease Expiry (WALE)</strong> and occupancy</li> <li><strong>Debt levels and credit ratings</strong></li> <li><strong>Sponsor background and alignment</strong></li> <li><strong>Yield history and forward-looking guidance</strong></li></ul> <p>Some REITs offer higher yields but lower asset quality. Others offer stability with moderate income. The choice depends on the investor’s risk-return profile and investment horizon.</p> <h2 class="wp-block-heading">A Strategic, Scalable Entry Point into Indian Growth</h2> <p>India’s REIT market offers more than income. It offers entry into a high-growth real estate ecosystem, backed by long-term urban demand and world-class occupiers.</p> <p>For foreign investors, REITs provide a way to participate in India’s real estate transformation with transparency, liquidity, and institutional oversight. They reduce entry barriers while preserving the benefits of scale and stability.</p> <p>As the market matures and sectoral REITs expand across warehousing, data centers, and retail, the opportunity will only grow. For global capital seeking reliable, scalable exposure to India’s economic momentum, REITs are not just relevant. They are essential.</p> <h3 style="margin-bottom:20px;display:block;width:100%;margin-top:10px">Frequently Asked Question (FAQ’s) </h3> <style> <style>#wpsm_accordion_6950 .wpsm_panel-heading{ padding:0px !important;}#wpsm_accordion_6950 .wpsm_panel-title { margin:0px !important; text-transform:none !important; line-height: 1 !important;}#wpsm_accordion_6950 .wpsm_panel-title a{ text-decoration:none; overflow:hidden; display:block; padding:0px; font-size: 22px !important; font-family: Open Sans !important; color:#000000 !important; border-bottom:0px !important;} #wpsm_accordion_6950 .wpsm_panel-title a:focus {outline: 0px !important;} #wpsm_accordion_6950 .wpsm_panel-title a:hover, #wpsm_accordion_6950 .wpsm_panel-title a:focus { color:#000000 !important;}#wpsm_accordion_6950 .acc-a{ color: #000000 !important; background-color:#ffffff !important; border-color: #ddd;}#wpsm_accordion_6950 .wpsm_panel-default > .wpsm_panel-heading{ color: #000000 !important; background-color: #ffffff !important; border-color: #ffffff !important; border-top-left-radius: 0px; border-top-right-radius: 0px;}#wpsm_accordion_6950 .wpsm_panel-default { border:1px solid transparent !important; }#wpsm_accordion_6950 { margin-bottom: 20px; overflow: hidden; float: none; width: 100%; display: block;}#wpsm_accordion_6950 .ac_title_class{ display: block; padding-top: 12px; padding-bottom: 12px; padding-left: 15px; padding-right: 15px;}#wpsm_accordion_6950 .wpsm_panel { overflow:hidden; -webkit-box-shadow: 0 0px 0px rgba(0, 0, 0, .05); box-shadow: 0 0px 0px rgba(0, 0, 0, .05); border-radius: 4px; }#wpsm_accordion_6950 .wpsm_panel + .wpsm_panel { margin-top: 5px; }#wpsm_accordion_6950 .wpsm_panel-body{ background-color:#ffffff !important; color:#000000 !important; border-top-color: #ffffff !important; font-size:18px !important; font-family: Open Sans !important; overflow: hidden; border: 2px solid #ffffff !important; } #wpsm_accordion_6950 .ac_open_cl_icon{ background-color:#ffffff !important; color: #000000 !important; float:right !important; padding-top: 12px !important; padding-bottom: 12px !important; line-height: 1.0 !important; padding-left: 15px !important; padding-right: 15px !important; display: inline-block !important;} </style> </style> <div class="wpsm_panel-group" id="wpsm_accordion_6950" > <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="" data-toggle="collapse" data-parent="#wpsm_accordion_6950 " href="javascript:void(0)" data-target="#ac_6950_collapse1" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-minus"></span> <span class="ac_title_class"> Can foreigners invest in Indian REITs? </span> </a> </h4> </div> <div id="ac_6950_collapse1" class="wpsm_panel-collapse collapse in" > <div class="wpsm_panel-body"> Yes. Foreign Portfolio Investors (FPIs), Non-Resident Indians (NRIs), and Foreign Direct Investors (FDIs) can invest in listed Indian REITs, subject to SEBI and RBI guidelines. </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_6950 " href="javascript:void(0)" data-target="#ac_6950_collapse2" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> Is foreign investment allowed in Indian real estate? </span> </a> </h4> </div> <div id="ac_6950_collapse2" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> Direct ownership of residential or agricultural land is restricted for foreign investors. However, commercial real estate through REITs is fully permitted and regulated. </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_6950 " href="javascript:void(0)" data-target="#ac_6950_collapse3" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> What kind of returns can be expected from Indian REITs? </span> </a> </h4> </div> <div id="ac_6950_collapse3" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> Yields typically range between 6% and 7%, with potential for capital appreciation. Returns depend on REIT performance, market conditions, and holding period. </div> </div> </div> <!-- Inner panel End --> </div> <script type="text/javascript"> function do_resize(){ var width=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).width(); var height=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).height(); var toggleSize = true; jQuery('iframe').animate({ width: toggleSize ? width : 640, height: toggleSize ? height : 360 }, 250); toggleSize = !toggleSize; } </script> <p></p><p>The post <a href="https://www.financebuzz.net/foreign-investors-indian-reits-benefits/">How Foreign Investors Can Benefit from Indian REITs</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>How Customer Feedback Shapes Financial Decisions: A Guide for Smarter Investing</title> <link>https://www.financebuzz.net/how-customer-feedback-shapes-financial-decisions-a-guide-for-smarter-investing/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Mon, 04 Aug 2025 06:41:45 +0000</pubDate> <category><![CDATA[FINANCE]]></category> <category><![CDATA[Customer feedback in investing]]></category> <category><![CDATA[Smart investing decisions]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6945</guid> <description><![CDATA[<p>Making well-informed investment decisions is essential. While financial reports and economic indicators play a role...</p><p>The post <a href="https://www.financebuzz.net/how-customer-feedback-shapes-financial-decisions-a-guide-for-smarter-investing/">How Customer Feedback Shapes Financial Decisions: A Guide for Smarter Investing</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>Making well-informed investment decisions is essential. While financial reports and economic indicators play a role in those decisions, there’s a powerful tool online that is often overlooked, and this is customer feedback.</p> <p>Customer reviews can influence how investors and individuals look into financial tools and platforms. Whether you’re looking into a new budgeting app or an investment service, the opinions of real users offer a perspective that financial metrics alone are unable to provide.</p> <h2 class="wp-block-heading">The Rise of Customer-Driven Finance</h2> <p>With the democratisation of finance through technology, individual investors can now access a wide range of options. From stock trading to crypto and retirement planning, there are many choices available.</p> <p>Within this, real-world user feedback is essential. Having the best review guides and advanced platforms can provide insights into customer experiences on a wide range of financial products and services. These reviews offer information on pros and cons, usability and scoring on products, helping users to make informed decisions based on what matters to them.</p> <h2 class="wp-block-heading">Why Reviews Matter in Finance</h2> <p>Let’s look into four reasons why reviews matter in finance and how they can support customers to take effective decisions:</p> <h3 class="wp-block-heading">1. Trust</h3> <p>Within finance, trust is essential. Whether you’re working with a financial advisor or budgeting too, customer reviews can offer information on issues, fine print details, and even hidden fees that services and products may not disclose.</p> <h3 class="wp-block-heading">2. Ease of Use</h3> <p>Complex tools can sometimes fall short on specific tasks in terms of usability. Reviews help to highlight user experiences, giving details on how practical tools are and how effective systems are.</p> <h3 class="wp-block-heading">3. Performance</h3> <p>Customer feedback is essential to show the long-term effects of products and whether products are worth the value. A product may look good during a demo, but performance over time can reveal its actual value and other customer experiences.</p> <h3 class="wp-block-heading">4. Insights</h3> <p>Reading many reviews can allow customers to compare reviews and other options too. This is helpful for products within the same category, such as platforms, <a href="https://www.financebuzz.net/best-investing-apps-for-beginners/">investment apps</a> or trading tools.</p> <p>There are many benefits to reviews for customer purchases, as they ensure customers can make the right decisions when it comes to finding their ideal products or financial services.</p> <h2 class="wp-block-heading">Leveraging Review Data for Smarter Financial Choices</h2> <p>Let’s consider you investing in a joint savings account. Traditional decision making would involve balance requirements, FDIC insurance and interest rates. But by integrating customer reviews into the process, you can assess the actual user experiences and different aspects involved, such as customer support, mobile performance, speed of transactions, and account setups.</p> <p>The <a href="https://www.bestreviews.guide/" target="_blank" rel="noreferrer noopener">best reviews guide</a> and platform offers data from many sources, providing a well-informed overview of products. This helps to save time and ensures investors make the right decisions when looking into the best financial products.</p> <h2 class="wp-block-heading">Case in Point: Fintech Startups and Customer Sentiment</h2> <p>Fintech startups rely on positive customer feedback to establish customer trust. Many can lack long-term reputations of traditional banks, so depending on customer reviews may be accessible. For example, a new app that helps to automate tax deductions for freelancers may be good on paper, but user reports often show its effectiveness.</p> <h2 class="wp-block-heading">The Role of Reviews in Risk Management</h2> <p>Financial decisions always involve taking a risk, whether it’s investing in cryptocurrency, looking into insurance or investing in stocks. Customer feedback can serve as effective data for decisions. Reports of freezes or poor customer service can signal systemic issues. However, good reviews can indicate a company values its customers, reviews and delivery experiences too.</p> <p>For example, before choosing a robo advisor, a user may look at professional reviews and comments on how the service handles possible issues or withdrawals. This practical approach can be seen as better for decision-making.</p> <h2 class="wp-block-heading">Conclusion</h2> <p>The power of customer feedback relies on authenticity. It reflects actual issues or complaints about financial products and services. Within the world where economic decisions are important, turning to practical insights and customer feedback is seen as an essential tool for confidence and clarity.</p> <p>By incorporating feedback into your financial decisions, you can support your decision-making and ensure you make a more intelligent consumer decision. Whether you’re looking into insurance providers or investing in <a href="https://www.financebuzz.net/reduce-cryptocurrency-investment-risk-strategies/">cryptocurrency</a>, customer experiences can be a part of the process and your decision-making.</p> <p>Look into customer feedback to ensure you make effective decisions regarding financial tools in 2025.</p><p>The post <a href="https://www.financebuzz.net/how-customer-feedback-shapes-financial-decisions-a-guide-for-smarter-investing/">How Customer Feedback Shapes Financial Decisions: A Guide for Smarter Investing</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>5 Best Investing Apps for Beginners</title> <link>https://www.financebuzz.net/best-investing-apps-for-beginners/</link> <dc:creator><![CDATA[Dan Baylor]]></dc:creator> <pubDate>Fri, 01 Aug 2025 17:00:00 +0000</pubDate> <category><![CDATA[INVESTING]]></category> <category><![CDATA[Best Investing Apps]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6939</guid> <description><![CDATA[<p>Let’s be real, investing can feel intimidating, especially if you didn’t grow up discussing recent...</p><p>The post <a href="https://www.financebuzz.net/best-investing-apps-for-beginners/">5 Best Investing Apps for Beginners</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>Let’s be real, investing can feel intimidating, especially if you didn’t grow up discussing recent market trends at the dinner table. But here’s the good news: you don’t need a finance degree, a six-figure salary, or some killer investment strategy to start building wealth.</p> <p>What you need is a solid investing app that’s easy to use, beginner-friendly, and tailored to your goals. With so many options out there, though, choosing the right one can feel like a full-time job.</p> <p>Don’t worry, we’ve done all the hard work for you.</p> <p>Below are five of the best investing apps for beginners. Whether you’re looking to invest a few bucks or start building serious long-term wealth, there’s a perfect fit for you on this list.</p> <h2 class="wp-block-heading">1.) Robinhood</h2> <p>If you are just starting out and looking for a simple, sleek app to invest with minimal friction, Robinhood is a great place to begin. Known for being the pioneer of <a href="https://www.nerdwallet.com/reviews/investing/robinhood" target="_blank" rel="noreferrer noopener">commission-free trading</a>, Robinhood enables users to buy and sell stocks, ETFs, and cryptocurrencies without any fees. Robinhood makes investing easy for both newbies and seasoned veterans alike.</p> <p>With beginner-friendly features like real-time updates and instant deposits, users can start investing immediately and begin seeing returns. Robinhood even lets its users buy fractional shares with as little as $1, making it perfect for those looking to start investing without depositing a large amount of capital upfront.</p> <p>And if you want to educate yourself further before starting, <a href="https://learn.robinhood.com/" target="_blank" rel="noreferrer noopener">Robinhood Learn</a> can provide you with the information you need to start investing with confidence. So what are you waiting for? Get Robinhood and start investing today!</p> <h2 class="wp-block-heading">2.) SoFi Invest</h2> <p>SoFi Invest is another excellent investment app option for beginners entering the investment world. Much like Robinhood, <a href="https://www.sofi.com/invest/" target="_blank" rel="noreferrer noopener">SoFi</a> allows you to invest in stocks, ETFs, and cryptocurrencies with no account minimums or commission fees. As a bonus, SoFi offers an automated investment option for new investors who prefer a hands-off approach, as well as access to live financial planners. It will even build a portfolio for you based on your risk tolerance, so you can earn income even if you don’t know what you are doing.</p> <p>Since SoFi Invest is a part of SoFi’s all-in-one financial ecosystem, users can also have access to SoFi’s banking, budgeting, and personal loan tools as well. This makes SoFi Invest an excellent choice for anyone who wants to make their money work for them.</p> <h2 class="wp-block-heading">3.) Acorns</h2> <p>Not interested in making personal finance and investing your whole personality? That’s no problem. Acorns offers the <a href="https://www.acorns.com/how-it-works/" target="_blank" rel="noreferrer noopener">perfect solution</a> by investing the change from your daily purchases.</p> <p>That’s right, all you need to do is link your credit or debit card, Acorns rounds up each purchase to the nearest dollar, and invests the spare change into diversified portfolios based on your risk profile. Enabling you to invest without worrying about which stocks to choose next.</p> <p>If you want, you can also set up recurring deposits to help you quickly grow your portfolio and turn a bigger profit. Acorns’ cashback style of investing can be perfect for those investors on the go who want to make passive income while enjoying their dream vacation.</p> <h2 class="wp-block-heading">4.) Fidelity</h2> <p>Many investment apps tailored for beginners often lack advanced investment options that experienced investors prefer. Fidelity doesn’t just provide features for beginner investors; it also has a plethora of investment options for intermediate and advanced users alike. Making Fidelity the perfect app for those who are looking to build wealth long-term.</p> <p>It might not be the most popular investment app in the world, but Fidelity’s<a href="https://www.fidelity.com/mutual-funds/investing-ideas/fidelity-funds" target="_blank" rel="noreferrer noopener"> Zero Expense Ratio Index Fund</a>, with no minimum investment threshold and no trading fees, puts it a step above the rest. Additionally, Fidelity offers advanced tools for users who are looking to graduate from novice investor to expert investor, allowing you to grow with your original portfolio.</p> <h2 class="wp-block-heading">5.) Charles Schwab</h2> <p>For years, Charles Schwab has been helping thousands of Americans start their investing journey, and with their user-friendly app, they can help you begin your journey as well. Schwab Mobile gives you the best of both worlds; you can start investing manually with a couple of dollars and zero trading fees or let Schwab do the work for you through its automated <a href="https://www.schwab.com/intelligent-portfolios" target="_blank" rel="noreferrer noopener">Intelligent Portfolios</a> feature.</p> <p>But wait, theres more. Schwab offers an extensive library of free educational content, perfect for those who want to sharpen their investing skills over time. Regardless of which investing approach you prefer, Schwab has the tools to grow with you.</p> <p>Starting your investing journey can feel overwhelming, but the truth is, the only hard part is getting started. With so many beginner-friendly apps and resources out there, there has never been a better time to start taking control of your finances.</p> <p>The best part? You can invest at your own pace with your style. You can pick and choose your own stocks after researching what to invest in, automate the whole process, or invest with your couch coins.</p> <p>No matter what you want to do, there is an app to help you become wealthy. It’s not about being perfect, its about consistency. So pick an app, start small, and let time do the heavy lifting for you.</p><p>The post <a href="https://www.financebuzz.net/best-investing-apps-for-beginners/">5 Best Investing Apps for Beginners</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>Tamilnad Mercantile Bank (TMB) Net Banking Registration & Login Process</title> <link>https://www.financebuzz.net/tamilnad-mercantile-bank-tmb-net-banking/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Wed, 30 Jul 2025 18:12:00 +0000</pubDate> <category><![CDATA[BANKING]]></category> <category><![CDATA[Banking]]></category> <category><![CDATA[online banking service]]></category> <category><![CDATA[TMB Net Banking]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=5468</guid> <description><![CDATA[<p>Gone are those days when you had to visit the bank for any banking service....</p><p>The post <a href="https://www.financebuzz.net/tamilnad-mercantile-bank-tmb-net-banking/">Tamilnad Mercantile Bank (TMB) Net Banking Registration & Login Process</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>Gone are those days when you had to <a href="https://www.financebuzz.net/cash-deposit-machine-locator-cdm-near-you/" target="_blank" rel="noreferrer noopener">visit the bank</a> for any banking service. Nowadays, all the banks are providing online services to their customers, which not only offer all types of banking services to the customers sitting at their place but are also absolutely safe.</p> <p>Today, account holders can transfer funds, check their account balances, pay utility bills, and many more banking services through NEFT, RTGS, or IMPS sitting at home.</p> <p>Tamilnad Mercantile Bank is one such bank that is growing very fast and providing net banking facilities to its customers.</p> <p>Today, through this article, I will share complete information about Tamilnad Mercantile Bank Net Banking with you.</p> <p>Like what Tamilnad Mercantile Net Banking is, what services it provides, what its registration process is, how to log in, and what the password recovery process is in case of forgetting the Password.</p> <h2 class="wp-block-heading">About TMB Net Banking</h2> <p>TMB Net Banking is an online banking service provided by Tamilnad Mercantile Bank. Through this, customers can avail banking services 24/7 hours and by sitting anywhere. Customers can do online fund transfers, check their balance, pay their utility bills, and many more services.</p> <h2 class="wp-block-heading">What services are Available Through Tamilnad Mercantile Net Banking?</h2> <p><strong>If you have registered on TMB internet banking, you can avail of these services.</strong></p> <ol class="wp-block-list"><li>The Customers can check their bank account balance online</li> <li>Transferring of funds to another bank account via RTGS, NEFT, IMPS</li> <li>See your transaction history and download your account statement by selecting the date range</li> <li>Payment of utility bills online</li> <li>Customers can invest their money in the stock market</li> <li>Can settle your credit card bills</li> <li>Can check Various personalized offers the bank provided to you</li> <li>Can add or change nominees to your account</li> <li>The customer can add or alter the communication address already added to your account</li> <li>Open Fixed and Recurring Deposits</li> <li>Make TDS enquiry, pay your taxes, file income tax and Form 26 AS</li> <li>Access digital passbook</li> <li>You can pay your loan installment and get information about it.</li></ol> <h2 class="wp-block-heading">Requirements for TMB Net Banking</h2> <p><strong>Customers must know these details before starting TMB Net Banking registration:</strong></p> <p><strong>1.</strong> Registered mobile number<br><strong>2.</strong> Bank account number<br><strong>3.</strong> PAN number<br><strong>4.</strong> IF Number, Branch Code, Country Name, and ATM Card information</p> <h2 class="wp-block-heading">Steps To Register For TMB Net Banking</h2> <p><strong>Follow these steps for hassle-free registration on TMB Bank Net Banking:</strong></p> <p><strong>Step 1.</strong> Visit the TMB Net Banking official page, which is <a href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/</a><br><strong>Step 2.</strong> Click on the “Net banking Login” Button present at the upper right corner of the website<br><strong>Step 3.</strong> It will redirect you to another page: <a href="https://www.tmbnet.in/message.htm" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/message.htm</a><br><strong>Step 4.</strong> Click On the “Continue to login” Button<br><strong>Step 5.</strong> It will again redirect to the page having the in and registration option<br><strong>Step 6.</strong> Click on the “Register for New User”<br><strong>Step 7.</strong> Read the terms and conditions and click on the agree Button<br><strong>Step 8.</strong> Now you have to enter your bank account number, Date Of Birth, PAN Number, and Captcha code and click on the Continue button<br><strong>Step 9.</strong> You will then receive an OTP on your registered phone number<br><strong>Step 10.</strong> Now Enter the OTP, click on the submit Button, and set your Password</p> <p>That’s it; you have successfully registered for TMB Net Banking.</p> <h2 class="wp-block-heading">Steps To Login On The TMB Net Banking</h2> <p><strong>To log into the TMB Net Banking portal, follow these hassle-free steps:</strong></p> <p><strong>Step 1.</strong> Visit the TMB Net Banking official page, which is <a href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/</a><br><strong>Step 2.</strong> Click on the “Net banking Login” Button present at the upper right corner of the website<br><strong>Step 3.</strong> It will redirect you to another page: <a href="https://www.tmbnet.in/message.htm" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/message.htm</a><br><strong>Step 4.</strong> Enter The User ID, Password, and captcha<br><strong>Step 5.</strong> Select the personal profile from the dropdown and click on the login button.</p> <p>That’s it. You have successfully logged in to your Tamilnad Mercantile Net Banking.</p> <div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex"><div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">Login Now</a></div></div> <h2 class="wp-block-heading">Steps To Reset Password of TMB Net Banking</h2> <p><strong>Step 1.</strong> Visit the TMB Net Banking official page, which is <a href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/</a><br><strong>Step 2.</strong> Click on the “Net banking Login” Button present at the upper right corner of the website<br><strong>Step 3.</strong> It will redirect you to another page: <a href="https://www.tmbnet.in/message.htm" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/message.htm</a><br><strong>Step 4.</strong> Click on forgot Password to receive a one-time password on your registered mobile number<br><strong>Step 5.</strong> Enter the OTP and click on the “Proceed” Button<br><strong>Step 6.</strong> Create a new password, repeat it to confirm, and hit the submit Button.</p> <h2 class="wp-block-heading">TMB Net Banking Customer Care Number</h2> <p>You can contact the customer care department of Tamilnad Mercantile Bank directly if you need any help related to TMB Net Banking. The customer care details of Tamilnad Mercantile Bank are as follows.</p> <figure class="wp-block-table"><table><tbody><tr><td>Phone number</td><td><a href="http://0461-2383325" target="_blank" rel="noreferrer noopener">0461-2383325</a></td><td><a href="http://0461-2383326">0461-2383326</a></td><td><a href="http://0461-2383326">0461-2383327</a></td></tr><tr><td>Email</td><td><a href="mailto:econnect@tmbank.in">econnect@tmbank.in</a></td><td></td><td></td></tr></tbody></table></figure> <h2 class="wp-block-heading">TMB Net Banking – Safe Banking Tips</h2> <p><strong>1.</strong> Always try to type the URL www.tmbnet.in in your browser to open the net banking page<br><strong>2.</strong> Ensure the URL starts with https://, i.e. URL is SSL-verified<br><strong>3.</strong> Try to log into your net banking from shared computers<br><strong>4.</strong> Ensure you’re using the latest and updated anti-virus software in your system</p> <h3 class="wp-block-heading">Conclusion:</h3> <p>Customers can register for the TMB net banking service Tamilnad Mercantile Bank offers and enjoy their seamless online banking services.</p> <h3 style="margin-bottom:20px;display:block;width:100%;margin-top:10px">Frequently Asked Question (FAQ’s) </h3> <style> <style>#wpsm_accordion_5471 .wpsm_panel-heading{ padding:0px !important;}#wpsm_accordion_5471 .wpsm_panel-title { margin:0px !important; text-transform:none !important; line-height: 1 !important;}#wpsm_accordion_5471 .wpsm_panel-title a{ text-decoration:none; overflow:hidden; display:block; padding:0px; font-size: 22px !important; font-family: Open Sans !important; color:#000000 !important; border-bottom:0px !important;} #wpsm_accordion_5471 .wpsm_panel-title a:focus {outline: 0px !important;} #wpsm_accordion_5471 .wpsm_panel-title a:hover, #wpsm_accordion_5471 .wpsm_panel-title a:focus { color:#000000 !important;}#wpsm_accordion_5471 .acc-a{ color: #000000 !important; background-color:#ffffff !important; border-color: #ddd;}#wpsm_accordion_5471 .wpsm_panel-default > .wpsm_panel-heading{ color: #000000 !important; background-color: #ffffff !important; border-color: #ffffff !important; border-top-left-radius: 0px; border-top-right-radius: 0px;}#wpsm_accordion_5471 .wpsm_panel-default { border:1px solid transparent !important; }#wpsm_accordion_5471 { margin-bottom: 20px; overflow: hidden; float: none; width: 100%; display: block;}#wpsm_accordion_5471 .ac_title_class{ display: block; padding-top: 12px; padding-bottom: 12px; padding-left: 15px; padding-right: 15px;}#wpsm_accordion_5471 .wpsm_panel { overflow:hidden; -webkit-box-shadow: 0 0px 0px rgba(0, 0, 0, .05); box-shadow: 0 0px 0px rgba(0, 0, 0, .05); border-radius: 4px; }#wpsm_accordion_5471 .wpsm_panel + .wpsm_panel { margin-top: 5px; }#wpsm_accordion_5471 .wpsm_panel-body{ background-color:#ffffff !important; color:#000000 !important; border-top-color: #ffffff !important; font-size:18px !important; font-family: Open Sans !important; overflow: hidden; border: 2px solid #ffffff !important; } #wpsm_accordion_5471 .ac_open_cl_icon{ background-color:#ffffff !important; color: #000000 !important; float:right !important; padding-top: 12px !important; padding-bottom: 12px !important; line-height: 1.0 !important; padding-left: 15px !important; padding-right: 15px !important; display: inline-block !important;} </style> </style> <div class="wpsm_panel-group" id="wpsm_accordion_5471" > <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="" data-toggle="collapse" data-parent="#wpsm_accordion_5471 " href="javascript:void(0)" data-target="#ac_5471_collapse1" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-minus"></span> <span class="ac_title_class"> Is there any cost to using Tamilnad Mercantile Bank's net banking? </span> </a> </h4> </div> <div id="ac_5471_collapse1" class="wpsm_panel-collapse collapse in" > <div class="wpsm_panel-body"> No, Tamilnad Mercantile Bank's net banking service is free of cost. However, certain transaction charges or service-specific charges may apply. </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_5471 " href="javascript:void(0)" data-target="#ac_5471_collapse2" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> What are the Customer Care numbers of Tamilnad Mercantile Bank? </span> </a> </h4> </div> <div id="ac_5471_collapse2" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> One can contact customer care by dialing these numbers: 0461-2383325, 0461-2383326, and 0461-2383327 </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_5471 " href="javascript:void(0)" data-target="#ac_5471_collapse3" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> Can I recover a Tamilnad Mercantile Bank net banking password? </span> </a> </h4> </div> <div id="ac_5471_collapse3" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> Yes, you can easily reset the TMB bank net banking password with the help of your debit card and registered mobile number. </div> </div> </div> <!-- Inner panel End --> </div> <script type="text/javascript"> function do_resize(){ var width=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).width(); var height=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).height(); var toggleSize = true; jQuery('iframe').animate({ width: toggleSize ? width : 640, height: toggleSize ? height : 360 }, 250); toggleSize = !toggleSize; } </script> <p><strong>Read More:</strong></p> <ul class="wp-block-list"><li><a href="https://www.financebuzz.net/cub-net-online-banking/" target="_blank" rel="noreferrer noopener">CUB Net Banking</a></li> <li><a href="https://www.financebuzz.net/iob-bank-net-banking/" target="_blank" rel="noreferrer noopener">IOB Bank Net Banking</a></li> <li><a href="https://www.financebuzz.net/hdfc-bank-internet-banking/" target="_blank" rel="noreferrer noopener">HDFC Bank Internet banking</a></li></ul><p>The post <a href="https://www.financebuzz.net/tamilnad-mercantile-bank-tmb-net-banking/">Tamilnad Mercantile Bank (TMB) Net Banking Registration & Login Process</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>Comparing RuPay Credit Cards with International Credit Cards: What’s Best for You?</title> <link>https://www.financebuzz.net/compare-rupay-and-international-credit-cards/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Tue, 29 Jul 2025 13:04:59 +0000</pubDate> <category><![CDATA[CREDIT CARD]]></category> <category><![CDATA[Credit Cards]]></category> <category><![CDATA[RuPay Credit Cards Vs International Credit Cards]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6924</guid> <description><![CDATA[<p>This guide compares RuPay credit cards with international networks like Visa and Mastercard, highlighting their...</p><p>The post <a href="https://www.financebuzz.net/compare-rupay-and-international-credit-cards/">Comparing RuPay Credit Cards with International Credit Cards: What’s Best for You?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>This guide compares RuPay credit cards with international networks like Visa and Mastercard, highlighting their distinct advantages. We’ll examine acceptance ranges, transaction fees, UPI integration capabilities, and security features to help you choose the right new credit card based on your spending habits and lifestyle needs.</p> <p>Are you confused about whether to get a RuPay credit card or an international card like Visa or Mastercard? With millions of credit card users in India, making the right choice has become increasingly important.</p> <p>In this guide, we will compare domestic RuPay cards with international networks across acceptance, fees, features, and integration capabilities. Being familiar with these differences will help you select a card that perfectly aligns with your spending habits and lifestyle.</p> <h2 class="wp-block-heading">About RuPay Credit Cards and Their Unique UPI Feature</h2> <p>RuPay is India’s homegrown card payment network launched by the National Payments Corporation of India (NPCI). What makes RuPay credit card UPI integration special is that it’s the only credit card network in India that allows you to link your card directly to UPI for everyday transactions.</p> <h2 class="wp-block-heading">Key Features of RuPay Credit Cards</h2> <ul class="wp-block-list"><li><strong>Domestic Focus:</strong> Primarily designed for Indian consumers with widespread acceptance across local merchants</li> <li><strong>UPI Integration:</strong> The unique ability to make UPI payments using your RuPay credit card</li> <li><strong>Lower Fees:</strong> Generally offers reduced processing fees compared to international networks</li> <li><strong>Government Support:</strong> Preferred for government transactions and services</li></ul> <p><em><strong>Customer Story: </strong>Rajesh, a small business owner from Pune, shares: “I use my RuPay credit card UPI feature daily for business purchases. The smooth integration with UPI has made tracking expenses much easier.”</em></p> <h2 class="wp-block-heading">RuPay Credit Card UPI Integration Explained</h2> <p>RuPay is the first and currently only credit card network that allows full UPI integration. This means you can:</p> <ul class="wp-block-list"><li>Link your RuPay credit card to any UPI app</li> <li>Make payments at local shops using QR codes</li> <li>Send money to friends and family directly</li> <li>Pay utility bills without switching payment methods</li></ul> <p>This integration is particularly valuable for everyday transactions where convenience matters more than premium benefits.</p> <p>You can easily apply for a credit card with UPI integration through various banking partners.</p> <h2 class="wp-block-heading">International Credit Cards: Global Acceptance and Premium Benefits</h2> <p>International cards like Visa and Mastercard have dominated the global payment landscape for decades. They excel in worldwide acceptance and typically offer more premium rewards programs.</p> <figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>Feature</strong></td><td><strong>RuPay Credit Cards</strong></td><td><strong>International Credit Cards</strong></td></tr><tr><td>Domestic Acceptance</td><td>Excellent (99% of Indian merchants)</td><td>Excellent (98% of Indian merchants)</td></tr><tr><td>International Acceptance</td><td>Limited (Growing through partnerships)</td><td>Excellent (200+ countries)</td></tr><tr><td>UPI Integration</td><td>Yes (Direct integration)</td><td>No (Requires workarounds)</td></tr><tr><td>Foreign Transaction Fee</td><td>2-3.5%</td><td>1.5-3% (Often lower)</td></tr><tr><td>Annual Fees</td><td>Generally lower</td><td>Typically higher</td></tr><tr><td>Reward Programs</td><td>Competitive domestic offers</td><td>Global rewards ecosystem</td></tr></tbody></table></figure> <h2 class="wp-block-heading">When International Cards Make More Sense</h2> <p><strong>Consider an international card if you:</strong></p> <ul class="wp-block-list"><li>Travel abroad frequently</li> <li>Shop regularly on international websites</li> <li>Need premium travel benefits like lounge access</li> <li>Prefer comprehensive purchase protection</li></ul> <p>Checking your credit score before applying for any new credit card is essential to understanding your approval chances and potential credit limit.</p> <h2 class="wp-block-heading">Cost Comparison: Fees and Charges</h2> <p>The cost difference between RuPay credit card UPI options and international cards can be significant over time.</p> <h3 class="wp-block-heading">Sample Cost Calculation</h3> <p>Let’s compare the average annual costs for a middle-tier card:</p> <p><strong>RuPay Credit Card:</strong></p> <ul class="wp-block-list"><li>Annual fee: ₹500</li> <li>Foreign transaction fee: 3% (₹3,000 on ₹1 lakh foreign spending)</li> <li>Total annual cost: ₹3,500</li></ul> <p><strong>International Credit Card:</strong></p> <ul class="wp-block-list"><li>Annual fee: ₹1,000</li> <li>Foreign transaction fee: 2% (₹2,000 on ₹1 lakh foreign spending)</li> <li>Total annual cost: ₹3,000</li></ul> <p>For primarily domestic spenders, the RuPay card often proves more economical, especially when utilising the RuPay credit card UPI feature for daily transactions.</p> <h2 class="wp-block-heading">Practical Usage Scenarios: Who Benefits Most?</h2> <h3 class="wp-block-heading">Scenario 1: The Domestic Spender</h3> <p>Priya, a teacher from Jaipur, rarely travels internationally but makes numerous daily payments. The RuPay credit card UPI integration allows her to use a single payment method for everything from grocery shopping to utility bills, earning rewards on transactions that would typically require debit cards or cash.</p> <h3 class="wp-block-heading">Scenario 2: The Global Traveller</h3> <p>Vikram, a software consultant who travels internationally every quarter, finds his Visa card indispensable. Despite having a RuPay card for domestic use, he relies on his international card for seamless payments abroad and travel insurance benefits.</p> <p><em><strong>Pro Tip:</strong> Maximise benefits by using both RuPay and international cards. Link RuPay to UPI for daily rewards and use special travel cards abroad to avoid excessive foreign transaction fees.</em></p> <p>You can easily manage multiple cards through the Airtel Thanks App, which helps track spending across different cards.</p> <h2 class="wp-block-heading">Making Your Final Decision</h2> <p>When choosing between a RuPay credit card UPI option and an international card, honestly assess your lifestyle needs:</p> <ol class="wp-block-list"><li>Evaluate your spending patterns – Where do you spend most frequently?</li> <li>Consider your travel habits – How often do you travel internationally?</li> <li>Review your digital payment preferences – Do you use UPI frequently?</li> <li>Compare specific card offerings – Look at the actual rewards structure of each <a href="https://www.airtel.in/finance/credit-card/qr-code" target="_blank" rel="noreferrer noopener">new credit card</a> option.</li></ol> <h3 class="wp-block-heading">Final Verdict: RuPay or International Credit Card—Which One Wins for You?</h3> <p>Your ideal credit card choice depends largely on your lifestyle and spending habits. If you primarily transact within India and value the convenience of UPI payments, a RuPay credit card with UPI integration offers unique advantages. For frequent international travellers or those seeking premium global benefits, an international card might be more suitable.</p> <p>Consider your specific needs, compare the fees, and possibly maintain both types of cards for maximum flexibility. Ready to explore your options? Check out the latest RuPay credit card offerings to find the perfect match for your financial needs.</p> <h3 style="margin-bottom:20px;display:block;width:100%;margin-top:10px">Frequently Asked Question (FAQ’s) </h3> <style> <style>#wpsm_accordion_6928 .wpsm_panel-heading{ padding:0px !important;}#wpsm_accordion_6928 .wpsm_panel-title { margin:0px !important; text-transform:none !important; line-height: 1 !important;}#wpsm_accordion_6928 .wpsm_panel-title a{ text-decoration:none; overflow:hidden; display:block; padding:0px; font-size: 22px !important; font-family: Open Sans !important; color:#000000 !important; border-bottom:0px !important;} #wpsm_accordion_6928 .wpsm_panel-title a:focus {outline: 0px !important;} #wpsm_accordion_6928 .wpsm_panel-title a:hover, #wpsm_accordion_6928 .wpsm_panel-title a:focus { color:#000000 !important;}#wpsm_accordion_6928 .acc-a{ color: #000000 !important; background-color:#ffffff !important; border-color: #ddd;}#wpsm_accordion_6928 .wpsm_panel-default > .wpsm_panel-heading{ color: #000000 !important; background-color: #ffffff !important; border-color: #ffffff !important; border-top-left-radius: 0px; border-top-right-radius: 0px;}#wpsm_accordion_6928 .wpsm_panel-default { border:1px solid transparent !important; }#wpsm_accordion_6928 { margin-bottom: 20px; overflow: hidden; float: none; width: 100%; display: block;}#wpsm_accordion_6928 .ac_title_class{ display: block; padding-top: 12px; padding-bottom: 12px; padding-left: 15px; padding-right: 15px;}#wpsm_accordion_6928 .wpsm_panel { overflow:hidden; -webkit-box-shadow: 0 0px 0px rgba(0, 0, 0, .05); box-shadow: 0 0px 0px rgba(0, 0, 0, .05); border-radius: 4px; }#wpsm_accordion_6928 .wpsm_panel + .wpsm_panel { margin-top: 5px; }#wpsm_accordion_6928 .wpsm_panel-body{ background-color:#ffffff !important; color:#000000 !important; border-top-color: #ffffff !important; font-size:18px !important; font-family: Open Sans !important; overflow: hidden; border: 2px solid #ffffff !important; } #wpsm_accordion_6928 .ac_open_cl_icon{ background-color:#ffffff !important; color: #000000 !important; float:right !important; padding-top: 12px !important; padding-bottom: 12px !important; line-height: 1.0 !important; padding-left: 15px !important; padding-right: 15px !important; display: inline-block !important;} </style> </style> <div class="wpsm_panel-group" id="wpsm_accordion_6928" > <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="" data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse1" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-minus"></span> <span class="ac_title_class"> Can I use my RuPay credit card UPI for international transactions? </span> </a> </h4> </div> <div id="ac_6928_collapse1" class="wpsm_panel-collapse collapse in" > <div class="wpsm_panel-body"> While RuPay cards work internationally through partnerships with Discover and JCB networks, the UPI integration feature works primarily within India, where UPI is accepted. </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse2" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> Do all RuPay credit cards support UPI integration? </span> </a> </h4> </div> <div id="ac_6928_collapse2" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> Most newer RuPay credit cards support UPI integration, but it's essential to confirm this feature when applying for a new credit card from your bank. </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse3" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> Are the rewards on RuPay credit cards comparable to international cards? </span> </a> </h4> </div> <div id="ac_6928_collapse3" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> RuPay cards offer competitive rewards for domestic spending, often with special benefits for government services and Indian retailers, while international cards excel in global rewards. </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse4" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> What's the main advantage of getting a new credit card on the RuPay network? </span> </a> </h4> </div> <div id="ac_6928_collapse4" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> The primary advantage is the unique ability to link your credit card with UPI for seamless payments across India's vast digital payments ecosystem. </div> </div> </div> <!-- Inner panel End --> <!-- Inner panel Start --> <div class="wpsm_panel wpsm_panel-default"> <div class="wpsm_panel-heading" role="tab" > <h4 class="wpsm_panel-title"> <a class="collapsed" data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse5" onclick="do_resize()"> <span class="ac_open_cl_icon fa fa-plus"></span> <span class="ac_title_class"> Can I have both a RuPay credit card and an international card? </span> </a> </h4> </div> <div id="ac_6928_collapse5" class="wpsm_panel-collapse collapse " > <div class="wpsm_panel-body"> Yes, many financial experts recommend having both types to maximise benefits—using RuPay for domestic UPI transactions and international cards for global spending. </div> </div> </div> <!-- Inner panel End --> </div> <script type="text/javascript"> function do_resize(){ var width=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).width(); var height=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).height(); var toggleSize = true; jQuery('iframe').animate({ width: toggleSize ? width : 640, height: toggleSize ? height : 360 }, 250); toggleSize = !toggleSize; } </script> <p>The post <a href="https://www.financebuzz.net/compare-rupay-and-international-credit-cards/">Comparing RuPay Credit Cards with International Credit Cards: What’s Best for You?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> <item> <title>What Is the Maximum Loan You Can Get Against Mutual Funds?</title> <link>https://www.financebuzz.net/maximum-loan-against-mutual-funds/</link> <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator> <pubDate>Fri, 25 Jul 2025 08:48:46 +0000</pubDate> <category><![CDATA[FINANCE]]></category> <category><![CDATA[Loan against mutual funds]]></category> <guid isPermaLink="false">https://www.financebuzz.net/?p=6917</guid> <description><![CDATA[<p>A loan against mutual funds offers a flexible and cost-effective way to raise funds without...</p><p>The post <a href="https://www.financebuzz.net/maximum-loan-against-mutual-funds/">What Is the Maximum Loan You Can Get Against Mutual Funds?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></description> <content:encoded><![CDATA[<p>A loan against mutual funds offers a flexible and cost-effective way to raise funds without liquidating your investments. It is a secured borrowing facility where you pledge your mutual fund units as collateral to access a loan. This type of loan has grown in popularity among retail investors and high-net-worth individuals seeking quick liquidity without disrupting long-term financial goals.</p> <p>In this article, we explore how much loan you can get against mutual funds, the factors that influence the loan amount, and the loan against mutual funds eligibility criteria in 2025.</p> <h2 class="wp-block-heading">How a loan against mutual funds works</h2> <p>When you apply for a <a href="https://www.bajajfinserv.in/loan-against-mutual-funds" target="_blank" rel="noreferrer noopener">loan against mutual funds</a>, the lender places a lien on your mutual fund units, which are held in dematerialised form. You remain the legal owner of the units, but you cannot redeem or switch them until the loan is repaid in full. The loan amount is then disbursed based on a percentage of the Net Asset Value (NAV) of the pledged units.</p> <p>The facility is typically offered by banks and non-banking financial companies (NBFCs), and in some cases, through online brokers partnered with depositories like NSDL and CDSL.</p> <h2 class="wp-block-heading">Maximum loan amount you can get</h2> <p>The maximum loan amount you can avail against mutual funds depends on several factors, including:</p> <ul class="wp-block-list"><li>Type of mutual fund units pledged</li> <li>Loan-to-value (LTV) ratio offered by the lender</li> <li>NAV of the mutual fund scheme</li> <li>Risk profile of the fund</li> <li>Borrower profile and relationship with the lender</li></ul> <h3 class="wp-block-heading">Loan-to-value ratio</h3> <p>Lenders generally apply an LTV ratio, which determines the loan amount as a percentage of the market value of the pledged units. The LTV differs for various fund categories:</p> <ul class="wp-block-list"><li><strong>Equity mutual funds</strong>: LTV ranges from 50 to 60 percent</li> <li><strong>Debt mutual funds</strong>: LTV can go up to 70 to 80 percent</li> <li><strong>Hybrid funds</strong>: LTV may fall between 55 and 65 percent depending on equity exposure</li></ul> <p>For instance, if you hold equity mutual fund units worth ₹5 lakh, and the lender offers an LTV of 50 percent, the maximum loan you can get is ₹2.5 lakh.</p> <h3 class="wp-block-heading">Lender limits</h3> <p>While the LTV sets the cap based on fund value, lenders also define minimum and maximum loan amounts:</p> <ul class="wp-block-list"><li><strong>Minimum loan amount</strong>: Typically ₹25,000 to ₹50,000</li> <li><strong>Maximum loan amount</strong>: Can go up to ₹5 crore or more for eligible applicants with high-value portfolios</li></ul> <p>Some private banks and wealth management firms may extend higher limits under special arrangements or for corporate clients.</p> <h2 class="wp-block-heading">Eligibility criteria for a loan against mutual funds</h2> <p>Understanding the <a href="https://www.bajajfinserv.in/loan-against-mutual-funds-eligibility-and-documents" target="_blank" rel="noreferrer noopener">loan against mutual funds eligibility</a> requirements is crucial before applying. These criteria ensure that the mutual fund units and the borrower meet the lender’s approval standards.</p> <h3 class="wp-block-heading">Eligible applicants</h3> <ul class="wp-block-list"><li>Indian resident individuals</li> <li>Hindu Undivided Families (HUFs)</li> <li>Proprietorships, partnerships, and private limited companies (for business use cases)</li> <li>Investors with mutual fund units in dematerialised format</li></ul> <p>NRIs are not usually eligible for this facility due to regulatory restrictions, unless permitted under specific NRO account conditions.</p> <h3 class="wp-block-heading">Fund eligibility</h3> <p>Not all mutual fund schemes are accepted by lenders. Eligibility depends on:</p> <ul class="wp-block-list"><li>Scheme being listed and NAV being regularly disclosed</li> <li>Units held in demat form (via NSDL or CDSL)</li> <li>The asset management company (AMC) being SEBI-registered</li> <li>Scheme liquidity and historical volatility</li></ul> <p>Closed-ended, thematic, or international funds are generally not accepted as collateral due to higher market and liquidity risk.</p> <h2 class="wp-block-heading">Documentation required</h2> <p>Lenders usually ask for the following documents when you apply for a loan against mutual funds:</p> <ul class="wp-block-list"><li>Completed application form</li> <li>KYC documents (PAN card, Aadhaar, address proof)</li> <li>Demat account statement showing mutual fund holdings</li> <li>Income proof (may be waived in some cases)</li> <li>Bank account details for disbursal and repayment</li></ul> <p>The process is often seamless and can be completed online if your mutual fund units are held in eligible digital platforms linked to your <a href="https://www.financebuzz.net/how-different-is-a-minor-demat-account-from-a-regular-demat-account/" target="_blank" rel="noreferrer noopener">demat account</a>.</p> <h2 class="wp-block-heading"><strong>Interest rate and repayment terms</strong></h2> <p>The interest rate for a loan against mutual funds is typically lower than unsecured personal loans, as it is backed by collateral. In 2025, interest rates generally range from:</p> <ul class="wp-block-list"><li>9 percent to 11 percent for equity fund loans</li> <li>8 percent to 10 percent for debt fund loans</li></ul> <p>Some lenders offer overdraft facilities where you are charged interest only on the amount drawn, not the entire sanctioned limit.</p> <h3 class="wp-block-heading"><strong>Repayment</strong></h3> <p>Repayment terms may vary, but the typical options include:</p> <ul class="wp-block-list"><li>Tenures of up to 12 to 36 months</li> <li>Interest-only payments with bullet repayment of principal</li> <li>EMI-based repayment (principal plus interest)</li> <li>No foreclosure charges in many cases</li></ul> <p>Failure to repay or maintain required margin levels may result in the lender liquidating the pledged units to recover dues.</p> <h2 class="wp-block-heading"><strong>Factors that influence the loan amount</strong></h2> <p>While the <a href="https://www.investopedia.com/terms/n/nav.asp" target="_blank" rel="noreferrer noopener">NAV</a> and LTV play the largest roles in deciding the maximum loan amount, the following also impact the final sanction:</p> <ul class="wp-block-list"><li><strong>Fund category</strong>: Lower volatility funds (e.g., liquid or short-duration debt funds) allow higher LTVs</li> <li><strong>Borrower profile</strong>: Existing bank customers with strong credit history may get preferential terms or higher limits</li> <li><strong>Market conditions</strong>: In times of high volatility, lenders may revise LTVs or limit exposure to equity-heavy portfolios</li> <li><strong>Pledge approval time</strong>: The speed of lien marking by the depository (NSDL/CDSL) can also affect how soon you can access the funds</li></ul> <h2 class="wp-block-heading">Benefits of using this facility</h2> <p>Opting for a loan against mutual funds offers several practical advantages:</p> <ul class="wp-block-list"><li>Quick access to liquidity without redeeming investments</li> <li>Continued compounding of mutual fund units</li> <li>Lower interest cost than credit cards or personal loans</li> <li>No need to disturb long-term goals such as retirement or a child’s education</li> <li>Minimal documentation and no impact on credit score (unless defaulted)</li></ul> <h2 class="wp-block-heading">Limitations and precautions</h2> <p>Before deciding to apply, keep in mind the following risks and limitations:</p> <ul class="wp-block-list"><li>NAV fluctuations may result in margin calls or top-up requirements</li> <li>Fund units remain locked until full repayment</li> <li>Overuse of leverage may disturb your broader asset allocation strategy</li> <li>Not all funds or AMCs may be accepted as collateral</li></ul> <p>You should always ensure that the loan is used for genuine financial needs and not for speculative investing or lifestyle spending.</p> <h2 class="wp-block-heading">Conclusion</h2> <p>The maximum loan you can get against mutual funds depends primarily on the type and value of your holdings, the <a href="https://en.wikipedia.org/wiki/Loan-to-value_ratio" target="_blank" rel="noreferrer noopener">loan-to-value ratio</a>, and the lender’s policies. While the cap may go up to several crores, especially for debt fund portfolios, responsible usage is key.</p> <p>By understanding the loan against mutual funds eligibility, documentation, and associated risks, you can leverage this facility effectively for short-term financial needs while maintaining your long-term investment goals. With digital platforms simplifying the application and lien-marking process, borrowing against mutual funds is now more accessible, flexible, and investor-friendly than ever before.</p><p>The post <a href="https://www.financebuzz.net/maximum-loan-against-mutual-funds/">What Is the Maximum Loan You Can Get Against Mutual Funds?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>]]></content:encoded> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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