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How to use the Axis #Bank Personal Loan EMI Calculator?
Loan Amount – Just Use the cursor to size #Personal #Loans choose what you want to borrow.For Example: Rs. 5,00,000.

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Wishing everybody a Happy & Prosperous Diwali :)

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Teacher's are perhaps one of our main sources of inspiration right from our early years, a big salute to all those teachers who have instilled inspiration in everyone of us! 

A very Happy Teacher's Day :)

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Find out if a #consumerloan is really necessary?

Get to know the pros and cons of availing these easy loans..

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Get to know the difference between the various types of interest rates and choose your #homeloan carefully!

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Did you know pattas are now online?

Get to know the process to get your patta now..

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Threats of Identity theft

Here are some pointers against #cybercrime  

As we advance into an age where everything is Online. There is very little room for thinking, because just about everything happens at a mere click and decisions are made at literally within a blink of an eye. Being aware and staying informed is what will help you stay clear of the various threats you come across in the digital world.

Of all of them, somebody stealing your identity is perhaps the most concerning threat. It is not only about protecting your personal identity, it is also about your personal banking account details and so on. The menace of Identity thefts has become a huge one, because it is a child’s play to hack into someone’s email account and retrieve all the information that is required to wreak havoc.

What is identity theft?

Based on the details such as your name, date of birth, passwords, bank account username, pan number details you enter online there are scamsters who will take all those details and misuse it in ways unimaginable. Even the photos you upload of yourself online are subject to misuse if it falls into the wrong hands and there extent of the damage that can be done with someone’s information is quite devastating.

The moment these vital details are acquired, the most common con done is the unlimited use of your credit cards. What happens next? Well, your credit card bill arrives and all you can do is stare at it – because the value on the bill is off the charts! In fact, this is when you will realize that you have probably been scammed!

And that is only one way, every information about you that is online is subject to misuse. Sometimes, even the details you enter on social networking sites can lead to your identity being stolen. As a result of which,

- You might be classified as “defualter” who does not repay his loans/ credit card bills
- Your cibil score is going to be affected negatively
- If you apply for a loan without setting straight these false records, you may be enlisted in the bank’s defaulter’s list and its going to be a while before you can ever be granted a loan.
- If the scam goes public, your reputation is at stake!
Phishing scams are more prevalent in the world of emails However, there are several organizations fighting for cyber safety, but its not until every individual is aware of the implications of stolen identities that one will be motivated to be more cautious and steer clear of digital mishaps

Not many are aware of the fact that there exists a law against cyber crimes under the Information Technology Act 2000 under Section 66 is as follows:

“ Whoever, fraudulently or dishonestly makes use of the electronic signature, password or any other unique identification feature of any other person, shall be punished with imprisonment of either description for a term which may extend to three years and shall also be liable to fine which may extend to rupees one lakh.”



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What is the meaning of credit limit in your #creditcard  ?

Owning a credit card is perhaps the easiest thing to do. Using it wisely isn’t. Because we can buy just about anything we want with a mere swipe, we never really understand the impact of how much we spend till the point the bill arrives. Nor do we understand the various terms related to a credit card so that we may use it with a little more caution. Probably, the one term we all card users need to be aware of would be: credit limit.
Your Credit Limit is the maximum limit upto which you can spend using your credit card. For instance, although you may be given a credit limit of 1 lakh, it doesn’t necessarily mean you have to spend the same. In fact, it would be ideal if you don’t spend more than 50% of your credit limit.
How is my credit limit determined?
Your card’s limit will vary almost every month. This depends on a number of things like:
- Income
- Repayment behaviour
- Spending pattern
- Bank’s norms and policies
- Other active emis ( home loan, personal loan etc)
A combination of all the above factors (and not just any one of them exclusively ) is taken into consideration while assessing an individual’s credit limit. Also, if you are running other loans, then there is a good chance that your credit limit will be further reduced.
What it means to my financial future?
Earning a high salary doesn’t mean anything if you fail to even out your expenditures and savings. As long as you are well within your credit limit, you can
- easily manage your finances
- get your loan sanctioned easily
- improve / increase your cibil score
The charges levied on your credit card bill at the end of every month is not just expensive, but it is unnecessary and can be definitely avoided. Which is why it is important you are conscious of your credit card expenditures and pay your bills (in full amount) regularly.

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