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[How to] check CIBIL Credit Score & Credit Report Online in India

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Last updated : 30th June, 2014 CIBIL TransUnion Score (Including Credit Information Report) is your detailed credit history & repayment discipline. Every individual has the right to access his Credit Information Report (CIR). It is through this that a person can check and analyze whether he is in the defaulter list of the concerned bank or not. Before you apply for a Home Loan, Car Loan, Personal Loan or a Credit Card, check your Credit Score. CIBIL Credit Information Bureau (INDIA) Limited (CIBIL) is the central repository of credit information of all borrowers. It contains data of the credit history ... Read More »

[How to] correct or rectify errors in CIBIL report

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Last updated : 2nd May, 2014 In my earlier post, I explained – How to check your CIBIL report & score online. Once you have downloaded the report, you should check whether the information mentioned is correct and belongs to you. Have you noticed any entry which does not belongs to you ? Are there any errors ? Are you in CIBIL defaulter list because of wrong data? In this article, I will explain How to rectify such errors in your CIBIL report 1) Get a copy of your CIBIL report: Read my post – How to get CIBIL report ... Read More »

[How to] pay LIC premium online – with & without Registration

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Last updated : 9th April, 2014 Are you still lining up in long queues to make the LIC premium payment ? Are you not using the online feature to make the LIC Premium payment. In this post, I will explain the steps to make the LIC premium payment online. You can pay LIC premium online if you are registered user on LIC Portal or without any registration – (LIC has started this new feature)  A.  For making payment after Registration on LIC Portal Registration on LIC portal is simple. Just follow the 2 steps mentioned in my earlier post –  ... Read More »

[How to] Change PAN Card Address – Online & Offline Process

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Last updated : 9th April, 2014 Have you moved house recently or joined in new company in new city, make sure you also update your current address in your PAN Card. Address on your PAN Card is your primary contact address for Income Tax department, so it is important that you keep it updated. Updating PAN card address is simple – You just need to submit the prescribed form with ID & address proof and nominal fees. Below are the steps / process for updating the address in your PAN Card. You an submit the PAN Change Form either Online ... Read More »

How to open PPF Account online at ICICI Bank

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Last updated : 9th April, 2014 PPF is a risk-free and tax-free investment product that provides reasonably good returns. Read my other Post on -Why Should you invest in PPF You can open a PPF account either directly through a post office or through a bank. Opening a PPF Account with a bank is lot more convenient than through a Post Office. This is  because a PPF Account with a bank facilitates online funds transfer from your savings  account to your PPF account. ICICI Bank Limited has been authorised by the Ministry of Finance to open PPF Account & now ... Read More »

How to earn upto 9% interest on your Savings account Balance?

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Last updated : 31st July, 2015 Yes. You read it right. In this post, I will explain how to earn upto 9% interest on your idle savings account balance. Option 1  –   Choose High Interest Saving Account Typically banks give 4% interest on savings accounts. However, after RBI de-regulated the savings account interest rates, few banks are offering higher rates. Bank / Rates Balance upto 1 lakh Balance above 1 Lakh Yes bank 6% 7% Kotak Bank 5.50% 6% IndusInd Bank 5.50% 6% So, you can get maximum of 7% interest from your savings account.   Option 2  – ... Read More »

[How to] transfer funds to PPF account online

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Last updated : 9th April, 2014 In today’s net savvy world, visits to banks are becoming less and people are interested in transacting online.  You can also transfer funds to your PPF account online if you have PPF account in SBI or other Banks. You can deposit money in PPF account online via netbanking. If your PPF account is in Post office, then such online funds transfer is not possible. In my last post, I concluded that PPF is one the safest, tax eficient long term investment. Read the complete article. Scenario 1: If your PPF Account is in SBI ... Read More »

How to Avoid TDS on Interest on Fixed Deposits (Bank FD)

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Last updated : 26th April, 2015 Bank Fixed deposit is an all-time favourite investment in India as it provides a decent fixed return for the fixed period and relatively safer as compared to other forms of investment products.   Specially, in current interest rate scenario, the fixed deposit rates are quite lucrative (8.5 – 10%).  However, it is likely that rates will go down further, so it is advisable to lock-in your interest rates if you want to invest in FD for longer term. Banks are required to deduct Tax (TDS) @ 10 % if the interest earned on FD ... Read More »

NEFT & RTGS Transfer – meaning, differences, charges & process

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Last updated : 9th April, 2014 In banking context, you must have heard phrases like “NEFT transfer”& “RTGS”.  In this post, we will discuss – what is NEFT & RTGS, how they are different, charges, and process of using NEFT & RTGS etc. A. What is NEFT & RTGS? National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS) are two main system of transferring funds from one bank to another.  These systems are managed by RBI and it allows transferring funds across banks within the country.   B. NEFT – National Electronic Fund Transfer NEFT operates on a ... Read More »

[How to] Invest in Mutual funds in India – online / offline options

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Last updated : 22nd April, 2014 Mutual funds are one of the best options for Retail investors to invest their money in different asset classes. It gives benefit of professional management of your money, offers liquidity, allow diversification and tax benefits. A.   Quick overview of process to Invest in Mutual funds 1) Submit KYC Form – KYC is must for the first time investors and need to be done ONLY ONCE and valid for all Mutual fund houses. You need to submit KYC form along with the Proof of ID & Address. You can submit it to your nearest ... Read More »

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