Your Loan Eligibility Holds the Key to Your Dream Home

LATEST NEWS – Have you ever been hounded by telemarketers urging you to apply for a loan? Calls, text messages, WhatsApp or even meeting you in person, representatives of financial companies leave no stone unturned when it comes to convincing you to take a loan.

But how is the LOAN ELIGIBILITY application processed? Do lenders really bend over backwards to hand you the loan cheque? It does not quite work that way.

Yes, sales personnel employed by financial institutions are aggressive in their attempts to lure you. They have to be; their commissions depend on it. And if one takes the bait and applies for a loan, the situation is likely to change by the time the application is processed.

It is the borrower who is expected to satisfy the credit parameters and fulfil all the eligibility criteria for the Home Loan.

Let’s get down to the basics. What do you think is the main eligibility criteria for taking a Home Loan?

The simple answer is the borrower’s ability to repay the loan.

This means the income of the loan applicant must be enough to pay the instalments on time. The lender provides a schedule for paying the equated monthly instalments (EMIs).

With interest rates favourable, now is as good a time to take a Home Loan as any. And non-banking financial companies (NBFCs) such as BAJAJ FINSERV offer instant approvals and Home Loans at attractive interest rates when you apply online.

Find out how:(READ MORE...)

Why are More People Applying for Personal Loans?

WHY DO PEOPLE PREFER PERSONAL LOANS

There are many factors that make Personal Loans more attractive.

• Easy to get: Personal Loans are easier to obtain than many other types of loans.
• Flexible usage: You can use the funds in a variety of ways. You can use it to pay for a vacation or a medical emergency. You can use it to fund a wedding, renovate a house, and more.
• Quick process: It can take as little as three days to get approval for a Personal Loan. Just make sure you have all the necessary documentation.
• No collateral: Personal Loans are unsecured loans. In other words, they are not backed by any collateral. This helps reduce the documents required for your loan application or even the duration of the vetting process.

You can even apply for a PERSONAL LOAN from the convenience of your home. All you need to do is visit the lender’s website. An application for a Personal Loan from Bajaj Finserv , for instance, usually takes seconds for approval and you can get funds of up to Rs.25 lakh in as little as 72 hours.

 

 

The bottom line

Personal Loans are popular today, but it is important that you opt for a professional lender to avail financing. Keep the various factors in mind when you apply for a Personal Loan and take the first step towards fulfilling your financial goals. (read more…)

BJP vs Kargil martyr's daughter: Rijiju asks who's 'polluting' her mind

Pratap Simha, BJP MP from Mysuru, compared her to dreaded gangster Dawood

 

The campaign of Gurmehar Kaur a Kargil martyr’s daughter, against the Akhil Bharatiya Vidyarthi Parishad (ABVP) on Monday drew controversial reactions from Bharatiya Janata Party (BJP) leaders with Union minister Kiren Rijiju wondering who was “polluting” her mind and another comparing her with wanted gangster Dawood Ibrahim.

Pratap Simha, BJP MP from Mysuru, tweeted, “At least Dawood did not use the crutches of his father’s name to justify his anti-national stand.”

 

 

His tweet came as Kaur’s campaign went viral online with her photograph in which she said, “Pakistan did not kill my father. War killed him.”

To mock her, Simha also posted a photograph showing Dawood with the message, “I didn’t kill people in 1993. Bombs killed them.”

Rijiju also took to Twitter to take a dig at her.

“Who’s polluting this young girl’s mind? Strong armed forces prevent a war. India never attacked anyone but a weak India was always invaded,” the minister of state for home affairs said.

Kiren Rijiju

@KirenRijiju

Who’s polluting this young girl’s mind? A strong Arm Force prevents a war. India never attacked anyone but a weak India was always invaded.

Kiren Rijiju

@KirenRijiju

Some people say they need Freedom in India. Listen to those people taking shelter in India after facing torture in neighbouring countries. 

Talking to reporters, he later said, “One should not say things which could demoralise the countrymen and the forces. Everybody has freedom but that does not mean that you raise slogans to weaken the country.”

The daughter of Kargil martyr Captain Mandeep Singh and a Delhi University student, 24-year-old Kaur had started a social media campaign “I am not afraid of ABVP” following the violence at Ramjas college. Her campaign has gone viral and received support from students across various universities.

“Everyone has right of views but she said Pakistan didn’t kill our brave martyr and India should shun war. India never perpetrated violence,” Rijiju said.

The Union minister of state for home said freedom of expression is not a licence to shout anti-national slogans in campuses. “Criticise the government but don’t abuse the motherland,” he said.

 

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Nokia 3310 makes a comeback with 22 hours of battery life, dual sim

Price in India, other countries can fluctuate a little bit because of taxation and cost factors

Finnish mobile device player Nokia is in reboot mode as it gets ready to bring to India its 17-year-old iconic Nokia 3310 handset for about Rs 3,500, along with its Android smartphones, next quarter.

"All the products that we have announced Nokia 3310, Nokia 6, Nokia 5 and Nokia 3 will be available in the second quarter of this year in India. Average global selling price for Nokia 3310 is 49 euros," HMD Global Oy Chief Marketing Officer Pekka Rantala said.

HMD Global has licence to design and sell Nokia branded phones globally as well as use technologies developed by Nokia Corporation.

Also Read : Technology News, Latest Technologies, Products, Gadgets, Gizmos, Trends from India and the World

"Now, we are celebrating the new era of Nokia brand that is the reason we are with HMD Global. Let me also be very clear that we would not license the Nokia brand to just anybody. It means too much to us. We chose carefully. We looked at the market. We looked at Google to be our brand licensing partner which could do this for a long time," Nokia President and CEO Rajeev Suri said.

HMD Global also unveiled Nokia 5 and Nokia 3 smartphones for 189 euros and 139 euros built on Google's Android platform. The company has already been selling Nokia 6 in China. One model of Nokia 6 with 3 GB RAM and 32 GB internal storage will be retailed at around 229 euros and the other one with 4 GB RAM and 64 GB internal memory with support for external memory card will be available for around 299 euros.

Nokia 6 has 5.5-inch screen size, 8 MP front camera and 16 MP rear camera.

Nokia 3 and 5 have 2 GB RAM, 16 GB internal storage and support memory card of up to 128 GB.

The Nokia 3 smartphone sports 5-inch screen size, 8 megapixel camera in the front and back. Nokia 5 has a 5.2-inch screen, 8 MP front and 13 MP back cameras.

Rantala said the price in India and other countries can fluctuate a little bit because of taxation and other cost factors associated with individual countries.

Nokia 3310, known for its robustness, was the most widely used feature phone globally in 2000-05. It is estimated to have sold 126 million units globally when there were only a few countries with mobile networks. Read Full Story >>>

Oscars 2017: La La Land wins 6 awards

There was high drama when the award for best film was announced at the 89th Acacdemy Awards

The 89th Academy Awards ceremony took place at Los Angeles earlier this morning. La La Land got 14 nominations, including thumbs up for Emma Stone, Ryan Gosling and Damien Chazelle. It bagged the Oscars 2017 in 6 of these categories, narrowly missing out on the award for the the best film. It won the awards for best director, best actress, best original score and best original song for City of Stars. Here are the details:

Best Director-Damien Chazelle

Damien Chazelle, the Hollywood wunderkind behind this year's most loved movie "La La Land", became the youngest filmmaker to win best director trophy at the 89th Academy Awards today. Six years in the making, it was a dream project for 32-year-old Chazelle who wanted to pay tribute to old Hollywood musicals with his LA-set story of ambition and romance. In his speech, Chazelle recognised his fellow nominees and his stars -- Ryan Gosling and Emma Stone. He also paid tribute to his girlfriend Olivia Hamilton.

Best Song-Justin Hurwitz

Justin Hurwitz took home best song for his much-loved number 'City of Stars' and the enchanting soundtrack of "La La Land" at the 89th annual Academy Awards. The track, whose lyrics are by Benj Pasek and Justin Paul, features Ryan Gosling as an LA-based musician playing to the tunes of jazz and crooning, "City of stars... Are you shining just for me?... City of stars... There's so much that I can't see."The track comes twice in the movie, at first with Gosling's character Sebastin Wilder singing it longingly and the other time Mia, played by Emma Stone, humming it along with him.

Best actress- Emma Stone

Emma Stone danced her way to victory as she took home the best actress Oscar for her portrayal of Mia in Damien Chazelle's soaring musical "La La Land". The 28-year-old triumphed for the first time at Oscars defeating strong contenders like Isabelle Huppert (Elle), Ruth Negga (Loving), Natalie Portman (Jackie) and veteran actress Meryl Streep (Florence Foster Jenkins).

Stone's performance, as an aspiring actress working as a barista in a cafe, in the film was praised for being superbly smart, witty and vulnerable. Read More

Also Read About Oscars Awards 2017 :

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Oscars 2017: Dev Patel loses best supporting actor award to Mahershala Ali

Why La La Land worked better than anyone dreamed

Sena steady, BJP makes big gains, Congress decimated in Maha civic polls

Shiv Sena is leading in 84 seats, BJP 80, while Congress 31 in BMC

The ruling Shiv Sena appeared all set to retain control over the BrihanMumbai Municipal Corporation (BMC), India's biggest and richest civic body, election officials said on Thursday.

The Bharatiya Janata Party (BJP) was pushed to a distant second slot in Mumbai in the civic body elections held across Maharashtra.

Of the 227 BMC seats, the Sena led in 84, still short of the 114 needed for a simple majority.

The BJP had won 80 seats while the Congress was at a distant third with 31 seats to its credit.

The Maharashtra Navnirman Sena (MNS) was poised to win 10 seats, the Nationalist Congress Party (NCP) eight and the All Indian Majlis-e-Ittehadul Muslimeen four.

Stunned by the outcome, Mumbai Congress president Sanjay Nirupam offered to resign from the post.

Buoyed by its imminent victory in Mumbai, Shiv Sena supporters celebrated across Mumbai.

The BMC had an annual budget of Rs 37,000 crore in 2016-17. Read more

Also Read:

BJP sweeps Maha civic polls 2017, neck-to-neck with Shiv Sena in Mumbai

BMC polls: No clear verdict but BJP makes big gains

BJP's win in civic polls a mandate on transparency and note ban: Fadnavis

BharatQR, UPI, BHIM, NUUP: How these digital payment apps, services work

The growth of digital payment services is fueled by introduction of apps and services by the NPCI

As India leaps toward a digital economy, the adoption of digital payment platforms is on the rise as well. Before the demonetisation drive, which started on November 8, 2016, there were a handful of digital wallet services -- PayTm, FreeCharge and MobiKwik. But, none of them offered comprehensive digital payments structure and had their own limitations.

As the government shifts focus toward cashless society, it also pushed a bouquet of digital payment options in the form of apps and USSD services like BharatQR code, Unified Payments Interface (UPI), BHIM app, and National Unified USSD Platform. These services were introduced alongside existing banking services such as internet banking, mobile banking and immediate payment service (IMPS).

Let’s take a look at these digital payment options and how they function:

BharatQR code

BharatQR code is a National Payments Corporation of India (NPCI) and payments companies, Mastercard and Visa led initiative to enable digital payments without card or card swiping machines.

Quick response (QR) codes carry certain information that could only be decoded with the help of a QR code scanner and that is exactly what BharatQR code does. Banks have been integrating BharatQR services to their existing mobile apps and therefore no extra app or service is required to exercise BharatQR. (more)

Snapdeal orders mass lay-off; FreeCharge to be sold for $300 mn

Founders forego salary

Once a success story of the burgeoning start-up ecosystem, Gurgaon-based online marketplace Snapdeal on Wednesday said it would cut more jobs, stop paying its founders and sell its digital wallet FreeCharge.

Co-founder Kunal Bahl, in an email to employees on Wednesday, finally accepted tough decisions— including letting go of people and a full pay cut for him— are being taken. It has also put on sale FreeCharge and is in talks with Naspers, the South Africa-based internet group, to sell it for $300 million.

“We are combining teams, reducing layers, eliminating non-core projects and strengthening the focus on profitable growth. Sadly, we will also be saying really painful goodbyes to some of our colleagues in this process. This is, by far, the hardest decision we have ever taken,” said Bahl.

Though the company refused to divulge the exact number of people to be sacked, sources close to the development said 800 employees would be laid off over the next few days. Sources confirmed 100 were asked to go on the day itself, within a few minutes of Bahl’s email.

“By the time we finished reading the mail, HR (human resource) called us to their office. They said we would get three months of severance pay. We said yes, as that was the only option on the table,” said an employee who was sacked on Wednesday.

According to sources, employees from marketing, ad-tech, category, digital marketing, engineering team, catalogues, have all been asked to leave. Bahl and his co-founder Rohit Bansal said they will not take pay henceforth.

Read Full Story >>>

Here is what Airtel, Idea and Vodafone are offering to counter Reliance Jio

Old telcos have sweetened their offerings considerably to take on the Reliance Jio challenge

Reliance Jio made a big announcement on Tuesday following which the road ahead doesn't look smooth for rivals Airtel, Idea Cellular, Vodafone, among others. Although the free services provided since its launch, including 1GB data at 4G speeds every day, unlimited voice calls and unlimited text messages will be over after 31 March, the operator has introduced a new plan called Jio Prime which will allow users to avail the facilities for another year at a nominal price.

Here are the key points:

• Membership: Jio Prime membership is limited to the 100 million existing Reliance Jio users as well as those who join the network before March 31, 2017.
• Cost: All Jio members can enroll prime membership for a one time fee of Rs 99 (which is valid for one year). Additionally, to get the free mobile data and other benefits, users will need to pay another Rs. 303 per month for the next 12 months (which amounts to Rs 10 per day, approximately).
• Subscription: To subscribe, users can go to any Jio store or Jio partner store. Besides, MyJio app and Jio 4G LTE Network website can also be used.
• Commencement: Users can start subscribing to the plan from March 1. It will end on March 31.
• Offers: Under the plan, unlimited mobile data for a year (1GB daily FUP limit), media and content benefits associated with the Jio apps suite are available. "There will be many other attractive deals and offers from both Jio and its partners (for) the Jio Prime members," a statement released by the company said. Like the current offer, Jio Prime will also reduce the internet speed to 128kbps after the 1GB data per day limit is crossed.
• Users who do not subscribe: Reliance Jio users who opt not to subscribe the Jio Prime membership will have to pay for data and other services, but not voice calls (including on roaming).

A quick look at the offers provided by Vodafone, Airtel and Idea:

Read Full Article >>>

Md Siraj asks father to stop driving autos after bagging Rs 2.6 cr IPL deal

He also wants to buy a house for his family

IPL Auction 2017 : The Indian Premier League (IPL) 2017 auction spread smiles in a Hyderabad neighbourhood. There was a good reason too. Mohammed Siraj, the younger son of auto driver Mohammed Ghaus was picked up by Sunrisers Hyderabad for a staggering Rs 2.6 crore.

As reporters made a beeline outside the cricketer's modest rented family house, he explained how he plans to use his money now."My father drove auto all these years but never let financial pressure of the family affect me or my elder brother. A bowling spikes costs a lot and he would just get the best for me. I want to buy a house for them now in a good locality," Siraj told The Quint.

While Siraj wants his father to stop driving autos, his father wishes otherwise. "I will drive the auto as long as I have the strength. Why should I depend on sons?" Ghaus was quoted as saying by Mumbai Mirror.

Interestingly, Siraj was often admonished by his mother Shabana Begum who worked as a house maid for showing lack of interest in studies. He discontinued studying while in intermediate, whereas, his brother went ahead to become an IT professional.

"He brought many mementos and sometimes cash prizes as well. However, I never knew he would become so big. It's all God's blessings," the proud mother told Mumbai Mirror after the auction.

Although his family did not keep a track on his career properly, Siraj slowly earned the reputation of a pacer in Hyderabad cricket circle. Read more

TCS Board clears Rs 16,000 cr share buyback; biggest in India

The buyback size works out to 2.85% of firm's paid up equity capital, at Rs 2,850 a share

Tata Consultancy Services' (TCS') board of directors has approved a proposal to buyback up to 5,61,40,351 equity shares of the company for an aggregate amount not exceeding Rs 16,000 crore, the company informed BSE in a filing.

The buyback size works out to 2.85 per cent of the company's total paid up equity share capital, at Rs 2,850 per equity share.

"The buyback is proposed to be made from the shareholders of the company on a proportionate basis under the tender offer route using the stock exchange mechanism in accordance with the provisions contained in the Sebi (Buy Back of Securities) Regulations, 1998, and the Companies Act, 2013, and rules made thereunder," the filing said.

Further, the buyback size does not include any expenses incurred or to be incurred for the buyback like filing fees, advisory fees, public announcement publication expenses, printing and dispatch expenses, and other incidental and related expenses.

The company also said that the buyback is subject to approval of the members by means of a special resolution through a postal ballot. The public announcement setting out the process, timelines and other requisite details will be released in due course in accordance with the buyback regulations. Read more

Paper woes to end: Online EPF withdrawal, pension fixation a reality by May

EPFO has an ambitious plan to settle the claims within few hours after filing of application

Retirement fund body EPFO is expected to launch online facility for settlement of claims, including EPF withdrawal and pension fixation, by May this year to put an end to tedious paper work by its members.

At present, the Employees' Provident Fund Organisation (EPFO) receive close to 1 crore applications manually for settlement of EPF withdrawal claim, pension fixation or getting group insurance benefit by deceased persons.

"The process of connecting all field offices with a central server is going on. We may introduce the facility for online submission of all types of applications and claims like EPF withdrawal and pension settlement by May this year," EPFO's Central Provident Fund Commissioner V P Joy told PTI.

Joy said that all EPFO offices would be connected to central server in couple of months following which the facility of online submission of all sort of applications can be introduced.

EPFO has an ambitious plan to settle the claims within few hours after filing of application. For instance, it has plans to settle the EPF withdrawal claim within three hours of filing of online application.

As per the scheme, EPFO is required to settle all claims within 20 days from filing of the application for settlement of pension or EPF withdrawal.

Under the pilot, the EPFO has already connected its around 50 field offices with the central server.

In a recent review meeting on digitisation in the EPFO, the field formations and Information Services wing has been asked to link all 123 offices with the central server so that subscribers can be provided services online. Read More

I am 'adopted son' of UP, says PM Modi

He said the future of the state cannot be ensured without ridding it of SP, BSP, Congress

Calling himself the “adopted son” of UP, Prime Minister Narendra Modi on Thursday said the future of the state could not be ensured without ridding it of the Samajwadi Party, Bahujan Samaj Party and Congress. Invoking Lord Krishna at an election meeting here to suggest a strong connect between Gujarat and UP, Modi, who represents Varanasi Lok Sabha constituency, said the state was his “mai-baap” (parents) and he will not desert it.

“Vote for a full majority to the Bharatiya Janata Party. I promise to show you the ways of all the problems you are facing within five years,” he said, telling the crowd that all pollsters had predicted BJP getting massive support in the first two phases of polling.

Highlighting the problems faced by the state and its national importance, Modi said poverty will be removed from the country only when it is eradicated from UP.

“This is the land of Ganga and Yamuna where the land is most fertile with crores of labourours but poverty still exists here...why is this so? There is nothing wrong with the people here or their capabilities or shortage of resources,” he said.

IPL 2017 auction LIVE: English bowler Tyman Mills goes for Rs 12 cr to RCB

Tyman Mills was in demand as four teams bid for him

11: 00 am Tyman Mills was in demand as four teams bid for him, ultimately going to RCB for Rs 12 crore. A total of Rs 6.9 crore was spent in acquiring fast bowlers while wicketkeepers seemed out of favour as only one out of the batch of six found a buyer, that too at base price

KKR entered the bidding for the first time this season with Trent Boult. The Knightriders have just four overseas players in the squad currently and need more players from abroad. They were joined in the bid battle by Mumbai Indians IPL Auction who bowed out at KKR’s bid of Rs 5 crore. Boult played for the Hyderabad team in 2016 and this year, will don the KKR jersey.

English bowler Tyman Mills saw some aggressive bidding as well as Mumbai Indians and Kings XI Punjab held their ground against each other. Both the teams did not shy from upping the stakes till Mumbai bowed out at Punjab’s bid of Rs 7 crore. At this point, the bid war between KKR and RCB started. RCB came out winner with a bid of Rs 12 crore.

Australian Patrick Cummins was fought over by Sunrisers Hyderabad and Delhi Daredevil, the former opening the bid at the reserve price of Rs 2 crore. They however bowed out at Rs 4.5 crore, thus giving Delhi the winning bid and Cummins’ services for the 2017 edition. Fellow autralian Mitchell Johnson was up next (base price Rs 2 crore). Mumbai Indians opened the bid for the fast bowler and snapped him up at reserve price.

South African fast bowler Kyle Abbott (reserve price Rs 1.5 crore) went unsold. Indian fast bowler Ishant Sharma (Rs 2 crore base price) shared the same fate, as he surprisingly remained unsold in the first round of bidding.

After three unsold players in the wicketkeeper category, the Mumbai Indians picked up Nicholas Pooran of West Indies at base price (Rs 30 lakh). The two wicketkeeprs to follow – West Inidan Johnson Charles and Sri Lankan Dinesh Chandimal too remained unsold.

10:30 Ben Stokes goes to Pune for Rs 14.5 crAM England all-rounder Ben Stokes was the costliest buy after the first round of IPL players' auction today, going to Rising Pune Supergiants for a whopping Rs 14.50 crore (USD 2.16 million) after an intense bidding war. Pune Supergiants, who removed Mahendra Singh Dhoni from captaincy, entered late into the bidding at Rs 13 crore and clinched the deal at Rs 14.50 crore defeating bids from Mumbai Indians, Delhi Daredevils, Royal Challengers Bangalore and Sunrisers Hyderabad. Read More

LIVE: Sasikala, Ilavarsi sent to jail in disproportionate assets case

She visited Jayalalithaa's memorial before leaving for Bengaluru

Over 500 police officials can be seen a t the Golden Bay resort, wheer the MLAs are staying. The police battalion has reached with Kuvathur village.

Sasikala visits MGR Memorial House before heading to Bengaluru.

AIADMK MLA Saravanan files complaint against Sasikala and Edappadi Palaniswami for allegations including kidnapping, says report

Sasikala and two others have started their journey to Bengaluru to surrender before the court. She will visit Jayalalithaa's memorial at Marina Beach before going to Bengaluru.

Sasikala asked for two weeks time to surrender from the Supreme Court, but apex court turns down.

She has now filed a plea before Bengaluru Special Court seeking two weeks time to surrender citing ill health.

Lok Sabha Deputy Speaker Thambidurai says soon review petition will be filed against the SC order.

He said, "I am sure Chinna Amma (Sasikala) will come back soon and will rule the State."

He also welcomed the appointment of Dinakaran as Deputy General Secretary of AIADMK.

Sasikala will be driven down to Bangalore to surrender.

Pannnerselvam camp led by Minister Pandiarajan planning to visit the private resort, where Sasikala supporting MLAs are staying, to urge them to rethink decisions taken yesterday and stay united. Read more

Also Read:

Jaya, Sasikala had jewellery worth Rs 2.51 crore: Supreme Court

Sasikala back in jail, AIADMK infighting rages

Sasikala surrenders at Bengaluru court after adverse SC order

Sasikala loyalist vs OPS: Dynasty politics gripped TN in a matter of hours

Uttarakhand Elections: The odds of a new chief minister

In the 2007 polls, BJP came out as largest party with 35 seats, while the Congress won 21 seats

Amid tight security, the polling for the single-phase Uttarakhand assembly elections 2017 began on Wednesday and the one question in everyone’s mind is whether this Himalayan state, which was carved out from the gigantic Uttar Pradesh in 2000, is going to have a new chief minister or the incumbent supremacy will continue.

The rebel party leaders, certainly, hold the key in the outcome in the hilly state where two prominent parties – the Bharatiya Janta Party (BJP) and the Congress — are trying every bit to seek the favour of every section of voters. Both parties expelled many leaders ahead of the elections, who then walked into the rival camps. While the BJP has fielded candidates, who have served the Congress, from 13 seats, the grand old party is trying its luck with seven erstwhile-BJP MLAs.

In the last leg of the election campaign, the Congress vice-president Rahul Gandhi asked to waive off loans worth crores which were taken by some 50 rich families, instead of an initiative against black money as Prime Minister Narendra Modi projected.

On the other hand, Prime Minister Modi, in his last rally in Pithoragarh, tried to strike an emotional chord where the majority of people are in the Army and other security forces. Starting from OROP and surgical strike, he went on to announce many schemes for the betterment of Army personnel.

Reports of the cold war between Uttarakhand Elections 2017 Chief Minister Harish Rawat and Pradesh Congress Committee chief Kishore Upadhyay emerged as the polls drew near. Besides fighting with the BJP, Harish Rawat is also combating for power within the state unit of his party.

The results of the polls will be out on March 11, 2017.

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