Retail Finance

We dream, we plan, we set limits. This is also true when it comes to planning our financial dreams too. We have some limitation on how much to spend, save or earn. And like we say, life is not one straight road, and this is true for our financial life too.  Let’s say you already have taken a home loan. Home loans are loans with longer repayment terms which may be 15-20 years or more. While servicing your EMIs for…

If you look around, you will find strong, independent, successful women featuring in various lists of “Most powerful women” in the country. And it’s true, you see more women climbing the corporate ladder, more women entrepreneurs. If you look around further, you will also find numerous articles and research talking about how women tend to be more financially disciplined than men. But then again, it’s almost a “fact” that they spend more on “unplanned” shopping sprees. Nothing wrong with that,…

In these times of stiff competition among different lenders, it is observed that there has always been an effort made by each of them to make a difference. An interest rate differential is one such example we could use. This factor surely plays an important role in your Equated Monthly Instalments (EMI) payments and your choice of lender. As there is a difference in the interest rates offered by different lenders, an existing borrower is lured to shift to a lender who quotes a lower interest rate…