WHAT IS OVERDRAFT FACILTY BY BANK

 

Wouldn’t you like a facility that lets you have access to funds as and when you require them, even as you pay interest only on the amount you utilize? Enjoy this benefit through 24x7 Overdraft by Axis Bank. An overdraft is a quick and convenient option when you need funds urgently - be it for your business requirements or individual needs.

image source google | image by- setindiabiz

Since it is an overdraft facility, interest is charged on the amount that is drawn or utilised, and not the entire limit available. For instance, if you have an overdraft limit of Rs. 50,000, but you withdraw or utilise only Rs. 25,000, the interest will be applicable on Rs. 25,000 and not on the entire limit of Rs. 50,000.

24x7 Overdraft Against Fixed Deposit

Use this facility to get funds online and instantly against your fixed deposit with Axis Bank, without breaking it before maturity. This ensures your savings are not liquidated while you get access to funds as and when required. It is available for both business and salaried customers who have Fixed Deposits with any bank.

Apply for overdraft :- Axis bank . Icici bank

Overdraft against Salary

Banks offer overdraft for salaried individual against the salary too. You can get an overdraft limit up to 2-3 times of your salary but that may vary from bank to bank.

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 To avail such an overdraft you need to have a salary account with the said bank.

Advantages of an overdraft

• An overdraft is flexible - you only borrow what you need at the time which may make it cheaper than a loan.

• It's quick to arrange.

• There is not normally a charge for paying off the overdraft earlier than expected.

Disadvantages of an overdraft

• If you have to extend your overdraft, you usually have to pay an arrangement fee.

• Your bank could charge you if you exceed your overdraft limit without authorisation.

• The bank has the right to ask for repayment of your overdraft amount at any time, although this is unlikely to happen unless you get into financial difficulties.

  

  image source google | image by-the money page

  
  

• Overdrafts may be secured against business assets.

• Unlike loans you can only get an overdraft from the bank where you maintain your current account. In order to get an overdraft elsewhere you need to transfer your business bank account.

• The interest rate applied is nearly always variable, making it difficult to accurately calculate your borrowing costs.

• Unutilised overdraft facilities may be reduced by the banks at short notice, although this is unlikely to happen unless you get into financial difficulties.

OVERDRAFT FESS AND CHARGES

Generally charges and fess depend on band end different bank are charges different fess and interest you were visit your bank and ask to the bank staff for know charges and fess and interest rate.

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HOW TO GET A LOW INTEREST PERSONAL LOAN

 

What Is a Personal Loan?

A personal loan is an amount of money you can borrow to use for a variety of purposes. For instance, you may use a personal loan to consolidate debt, pay for home renovations, or plan a

image source google image by paisabazar.com

dream wedding. Personal loans can be offered by banks, credit unions, or online lenders. The money you borrow must be repaid over time, typically with interest. Some lenders may also charge fees for personal loans. Check personal loan eligibility

you should be apply for a personal loan online.by click on this bank link 

Axis bank personal loan , Hdfc personal loan

ICICI bank

Personal Loan Categories:

• Debt consolidation (other loans, credit cards and more)

• Starting a small business.

• Home improvement.

• Car purchases (though auto loans are usually better)

• Car maintenance.

• Weddings.

• Medical bills.

• Veterinary costs.

How to take lowest interest personal loan

1) GOOD CIBIL SCORE- A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. Acredit score is primarily based on a credit report, information typically sourced from credit bureaus. 

image source-google image by-iifl.com

Check cibil score

2) PREAPPROVED BANK OFFERS- Pre-approved personal loans are instant loans that are disbursed to select customers. It requires minimum documentation and no collateral or security. ... Pre-approved loans are a promotional exercise by banks to increase the sales of their loan products.

Check pre-approved offers

3) LOAN TOP-UP - Top-up loan is a facility provided by banks, housing finance companies and other financial institutions that allows you to borrow a certain amount of money over and above your home loan. Features of Top-Up Loan: Eligibility: The top-up loan is not available to everyone who has availed a home loan from a bank.

                YOU CAN ALSO VISIT THE BANK BRANCH FOR MORE INFORMATION

बैंक खाता कैसे खोलें

किसी भी बैंक में ऑनलाइन और ऑफ़लाइन बचत खाता केसे खोले

बचत खाता क्या है

एक बचत खाता एक खुदरा बैंक में एक बैंक खाता है जिसकी विशेषताओं में वे आवश्यकताएं शामिल हैं जिनमें केवल सीमित संख्या में निकासी हो सकती है, इसमें चेक सुविधाएं होती हैं और आमतौर पर लिंक किए गए डेबिट कार्ड की सुविधा होती है, इसमें सीमित स्थानान्तरण सुविधाएं होती हैं और ज़्यादा नहीं किया जा सकता है।

        image source google image by -shumanglam nidhi ltd.

ऑनलाइन बचत खाता खोलने का कदम

1.) ऑनलाइन आवेदन करें

बचत खाता ऑनलाइन खोलने के लिए, आपको केवल एक मोबाइल फोन या लैपटॉप चाहिए। आप केवल अपने मोबाइल नंबर के साथ प्रक्रिया शुरू कर सकते हैं, और बाकी प्रक्रिया बहुत भिन्न नहीं होती है। आप अपने फॉर्म और दस्तावेज़ों को केवल उस बैंक के ऑनलाइन पोर्टल पर अपलोड करते हैं, जिस बैंक में आप अपने बचत खाते को खोलने के लिए पसंद करते हैं, और शारीरिक रूप से बैंक जाने के बजाय सभी आवश्यक दस्तावेज़ और पात्रता और सुविधाओं की ऑनलाइन जाँच करते हैं।

 

एक्सिस बैंक खाता, एचडीएफसी बैंक खाता, आईसीआईसीआई बैंक खाता

Image source google image by mymoneymantra.com

बचत खाता खोलने के लिए आवश्यक दस्तावेज

 

आप जो भी तरीका चुनते हैं, उसके बावजूद आपको अपने बचत खाते को खोलने के लिए कुछ दस्तावेज देने होंगे।

 

क) पहचान प्रमाण (चालक का लाइसेंस, पासपोर्ट आदि)

 

ख) पते का प्रमाण (चालक का लाइसेंस, पासपोर्ट आदि)

 

c) पैन कार्ड

 

d) दो नवीनतम पासपोर्ट आकार की तस्वीरें

 

 

2.) ऑफलाइन आवेदन करें

आपके बैंक की निकटतम शाखा में ऑफ़लाइन बचत खाता खोलने के लिए आपको जिन चरणों का पालन करना होगा, वे नीचे दिए गए हैं: 

चेक नेचर शाखा

 एक्सिस बैंक, एचडीएफसी बैंक, आईसीआईसीआई बैंक

अपनी निकटतम बैंक शाखा पर जाएं

खाता खोलने का फॉर्म भरें

केवाईसी दस्तावेज जमा करें (आईडी और एड्रेस प्रूफ)

फॉर्म पर अपनी पासपोर्ट साइज फोटो ठीक करें

यदि आवश्यक हो तो एक हस्ताक्षरित चेक जमा करें

हस्ताक्षरित फ़ॉर्म शाखा में जमा करें और आपका बैंक खाता कुछ दिनों के भीतर सक्रिय हो जाएगा।

ऑफ़लाइन खाते के खुलने के समय आवश्यक दस्तावेज

बैंक खाता खोलने के लिए आवश्यक दस्तावेज बहुत ही सरल और नीचे सूचीबद्ध हैं:

पहचान का प्रमाण - पासपोर्ट, ड्राइविंग लाइसेंस, मतदाता पहचान पत्र आदि।

पते का प्रमाण - पासपोर्ट, ड्राइविंग लाइसेंस, मतदाता पहचान पत्र आदि।

पैन कार्ड

फॉर्म 16 (केवल अगर पैन कार्ड उपलब्ध नहीं है)

  2 नवीनतम पासपोर्ट आकार की तस्वीरें

 

 

आपका बचत खाता अब उपयोग करने के लिए तैयार है

 

HOW TO GET CREDIT CARD WITHOUT INCOME PROOF

Before we go head we know something about credit card

A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts plus the other agreed charges The card issuer (usually a bank) creates a revolving account and grants a limit of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant and purchase a product or use for pay bill online.

Image source google| image by- wikimedia commons 

Here are some bank provided credit card

 Axis bank, Kotak bank, Hdfc bank, Icici bank

Types of credit card

 

1.)Travel credit card- The card is provided by the bank only for use a travel purpose like purchase a rail ticket, flight ticket, bus ticket.

2.) Shopping credit card- Shopping credit card is that card which is providing by that bank to the customer for a shopping purpose only and the customer can pay only to a merchant. It is not use for onther payment.

3.) Reward credit card- This card is coming under premium card category of bank it is provide to a premium customer only it has a maximum credit limit and customer will get reward on payment.

Now we are know How to get free credit card without income proof

1.) Highlights- Now i tell you how to get your dream credut card without income proof 

2.) Get a credit card by pledging a fixed deposit as security.- It means you have fixed a certain amount in bank account as a fixed deposit and bank will give you interest on Fixed deposits and give credit card on behalf of that with 90% credit lime of fixed deposits amount

3.) Apply with a co-signer or avail an add-on credit card.- The bank says if you are already use a any credit card of any bank the bank review you cibil report or repayment activity of existing credit card and give accordingly.

4.) Show a healthy bank balance to prove repayment ability.-The bank says if you mentain a well amount in your bank account and take a pledge of repay a amount the bank will give you a credit card with certain limit 

5. Get a SuperCard with ease through a pre-approved offer.- It means if you have a pre-approved offer on your bank account with a healthy and good banking.

online bank account opening with zero balance

HOW TO OPEN A SAVING ACCOUNT IN ANY BANK ONLINE AND OFFLINE

What is saving account

A savings account is a bank account at a retail bank whose features include the requirements that only a limited number of withdrawals can take place, it  have cheque facilities and usually have a linked debit card facility, it has limited transfer facilities and cannot be overdrawn. 

Saving account

Step to open saving account online 

1.) Apply online 

ONLINE BANKING

To open a Savings Account online, all you need is a mobile phone or laptop. You can initiate the process with just your mobile number, and the rest of the procedure does not vary much. You simply upload your form and documents to the online portal of which bank are you prefer for your saving account opening, and check all the required document and eligibilty and features online instead of physically going to the bank.

AXIS BANK ACCOUNT, HDFC BANK ACCOUNT, ICICI BANK ACCOUNT

• Documents required for opening a Savings Account

  Regardless of which method you choose, you will need to provide certain documents to open your Savings Account.

• a) Identity Proof (driver’s license, passport etc.)

• b) Address Proof (driver’s license, passport etc.)

• c) PAN card

• d) Two of the latest passport-sized photographs

2.) Apply Offline

The steps you need to follow to open a savings account offline at your bank’s nearest branch is given below:

CHECK NEAREST BRANCH

AXIS BANK, HDFC BANK, ICICI BANK

OFFILINE BANKING

1. Visit your nearest bank branch

1. Fill up account opening form

1. Submit KYC documents (ID and Address proof)

1. Fix your passport size photos on the form

1. Submit a signed cheque if required

• Submit the signed form to the branch and your bank account will be active within a few days.

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• Document Required at the time of offline account open

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• The documents required to open a bank account are very simple and listed below:

• Proof of identity – Passport, Driving license, Voter’s ID card, etc.
• Proof of address – Passport, Driving license, Voter’s ID card, etc.
• PAN card
• Form 16 (only if PAN card is not available)
•   2 latest passport size photographs

YOUR SAVING ACCOUNT READY TO USE NOW 

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PPF ACCOUNT INFORMATION

CREDIT CARD SAFE USE

 Stay safe from these credit card frauds

Credit cards are a powerful payment instrument as they allow you to easily avail an instant line of short-term credit while making transactions. This helps increase your purchasing power, while also offering benefits like ease of use, reward points and cashback. Regular, on-time payments can also improve your credit score which leads to easier long-term loan approvals. However, alongside all these merits, credit cards also run the risk of being targeted for fraud. While there are several types of credit card frauds, there are safeguards you can put in place to protect your money. Let us see how.

There are many types of fraud happen while a payment.

1)PoS Fraud

In this type of fraud, small skimming devices are attached to normal Point-of-Sale (PoS) devices to hack your data. These devices scan and store the card information while the customer completes a swipe transaction. Usually, this involves a merchant or store employee who shares these details with malicious actors. Similar attachments may also be fastened on to ATM card slots to clone card information, while a camera is secretly placed over the keypad to capture your PIN. 

Safety instruction:- Watch out for suspicious devices connected to PoS units. Always shake or jiggle the slot to see if a cloning attachment comes loose and always cover the keypad with your other hand while entering the PIN. 

And Decrease your tap and pay limit to Rs 2000 and reduce the rink.

2)Online transaction

With everything going digital and the help of AI, fraudsters are becoming intelligent, deriving new ways, becoming more sophisticated with every passing year. With advanced technologies, it is easy to steal data and buy information. Online aliases are making it hard to detect and catch the culprit. In the comparison, time and resources constraints on gathering the evidence and prosecutions are not so much.

Types of online fraud

1) Identity theft

2) Chargeback fraud

3) Triangulation fraud

3)Keystroke logging

Today, since most financial transactions are online, hackers have started relying on keystroke logging through malicious software to grab credit card details. This usually begins after you have clicked on a suspicious link and unknowingly installed malware on your system. The software records every key pressed on the system, eventually stealing card details, PIN and more. 

Safety Instruction:- Use the virtual keyboard available in your operating system. Again, never click suspicious links that may install applications from untrustworthy sources. Use reliable antivirus software on your system for an added layer of protection.

Theft or loss of card

If your physical credit card gets stolen or misplaced, there are chances it could be misused. There are precautions you can take in advance as well as safeguards you can put in place even after it is stolen.

Precautions to take:

• Always memorise your CVV and scratch it off the card to avoid misuse in case it is stolen or misplaced. 

• Set up alerts for all transactions so that you can be notified for any unwanted purchases on your card.

• Use use credit card protection services such as the one provided by card provider bank Bank.