Grow your Idle Savings by Investing in Axis Mutual Fund

Are you happy keeping your money idle in your bank account? It’s better you don’t put your money at rest but put to work where you can multiply your money over a period of time. You must be thinking what have been talked about. That’s right! Invest in Axis Mutual Funds where your money gets ample of time and space to grow which can enhance your extra earnings.

mutual funds

In today’s time, it becomes difficult to own materialistic possession from your hard-earned money. Why not generate an extra income which can divert it for multiple usages? Prioritize your financial goals by taking different mutual fund plans offered by Axis Mutual Fund. As the fund house has varied mutual fund schemes which not only matches your financial goal but provides a strong support towards your big purchases. Whether it can be planning a vacation, buying a home, saving for retirement, tax planning ELSS or planning for your child’s higher education or buying a car and other things.

Mutual funds are the right option for you which can save you from being debt-ridden or having lower returns from bank instruments. When you consider Axis mutual fund, you are not only relying on the trusted bank i.e. “Axis” but becoming dependent on the financial expertise of fund managers for taking care of your investment. Garner effective returns through the market opportunities over a period of time for which you can be proud of and axis mutual fund schemes give you that leverage to harness plenty of opportunities available in the market. If we talk about instances such as taking benefit from fundamentals of the market i.e. soaring gold prices, political announcements, agricultural harvest etc.  which ameliorate your returns either suffered from downtrodden of the market or just being passive across the times.

Axis Bank Mutual Fund Schemes

Let’s discuss the varied schemes of Axis Mutual Fund which gives you the idea for your suitable investment:

  1. Arbitrage Funds- These funds invest in  equity, equity derivative, and debt instruments. It is designed to tap the price differential in cash and derivatives market to augment returns. The returns are dependent on the asset volatility conditions. These funds often invest a substantial portion of the portfolio in debt markets. Axis Enhanced Arbitrage Fund-Regular growth offered by Axis Bank Mutual Fund comes under this category.
  2. Equity Funds- These funds generate higher returns over a longer duration. They have a less tax liability as against debt funds. Axis Bank Mutual Fund offers equity funds under following categories:
  • Axis Equity Fund-Regular Growth
  • Axis Long -Term Equity Fund-Regular Growth
  • Axis Equity Saver Fund -Regular Growth
  • Axis Midcap Fund -Regular Growth
  • Axis Focused 25 Fund-Regular Growth
  1. Debt Funds – These funds invest in debt-market instruments such as bonds, debentures and government securities and so on. This scheme is appropriate for risk-averse investors who don’t prefer investing in a high volatile equity condition. These funds are comparatively secured instruments which provide fixed returns. Axis bank mutual fund offers the following debt funds under this category:
  • Axis Dynamic Bond Fund-Regular Growth
  • Axis Fixed Income Opportunities Fund-Regular Growth
  • Axis Income Fund-Regular Growth
  • Axis Short Term Fund-Regular Growth
  • Axis Treasury Advantage Fund-Regular Growth
  1. ELSS Funds- Equity linked savings scheme leads you to save up your tax upto ₹ 46,350 per year, provided if you invest upto ₹ 1.5 lakhs per year. Axis Long Term Equity Fund-Regular come under this category with a suitable provision of 3-year lock-in period. This scheme offers you the tax deduction under  section 80C of the Income Tax Act, 1961. The investment is made in equity markets which are subject to generate better returns over a period of time.
  2. Gilt Funds –These funds invest in government securities. It is appropriate for risk-averse and conservative investors seeking protection of their investment returns by deploying their money under the safety of government bonds.  Axis Constant Maturity 10 year fund-regular growth comes under Gilt Funds category offered by Axis Mutual Fund
  3. Gold Funds- These funds invest in exploiting the avenues of gold mining and production. They do not engage in buying gold directly but invests in the stocks of gold mining and production companies across the world. There are only two schemes of Axis Bank which falls under this category:
  • Axis Gold ETF-Regular Growth
  • Axis Gold Fund -Regular Growth
  1. Hybrid/Balance Fund: These funds invest in a mixed combination of asset classes such as equity and debt. Some of the schemes offer higher equity proportion as against debt securities and other schemes. The emphasis is to seek a proportional balance between the risk and returns. There are only four schemes which fall under this category:
  • Axis Triple Advantage Fund- Regular Growth
  • Axis Income Saver-Regular Growth
  • Axis Children’s Gift Fund-Compulsory Lock-In-Regular Growth
  • Axis Children’s Gift Fund- No Lock-In-Regular Growth
  1. Liquid Fund – These funds are known as Cash funds or Ultra Short term bond funds. Axis Mutual fund offers Axis Liquid Fund-Regular Growth in this category where the objective is to generate a high level of safety along with providing a moderate return.  

Know methods to make your Axis Bank Credit Card Bill Payment

Credit cards have turned out to be one of the best tools of plastic money. At a time when India is taking baby steps towards a cashless economy, a credit card has emerged as the best way for making online and cashless transactions. The card has numerous advantages as proves to be very useful even when you don’t have cash in hand.

It has actually eliminated the need to carry huge amount of cash. But you must keep in mind that a credit card comes with responsibility as well. You have to make the bill payment on due time so as to avoid interest on the same. Of course you can do so considering the numerous benefits and features you get on a credit card. When it comes to exciting reward points and mind boggling cashback offers, none can match the charm of an Axis Bank credit card.

The bank provides the user the best possible features and bumper offers. A smart cardholder will always ensure that he/she pays the bills on due time. I strongly believe you too belong to the same category. To make things crystal clear for you, I will be telling you about Axis Bank credit card bill payment. After reading the article you can easily make the payment and be assured from your side.

Axis Bank Credit Card Bill Payment

A person can make Credit Card Bill Payment through two main modes, either the online mode or the offline mode. Have a look at the different methods available under the two modes.

Offline Mode

By issuing a cheque/ demand draft: A person can easily make his/her Axis Bank credit card bill payment by issuing either a cheque or a demand draft. You are simply required to write your account number behind the cheque or the demand draft in favour of Axis Bank. you can then drop the same at the nearest Axis Bank branch. There are certain things that you need to keep in mind. You should always drop the cheque five days before the due date and ensure that it is not post dated. The cheque should be drawn in favour of a local bank. As a matter of fact an Axis Bank cheque is processed within a day while for other bank’s cheque, the duration is at least 3-5 days

Cash payment: You can go to the nearest Axis Bank branch to make the Axis Bank credit card bill payment.  You will be charged a service fee of ₹ 100 for the same. The payment will be processed on the same day itself.

Auto Debit facility: The credit card bill can also be paid using the auto debit facility. It will depend upon you whether you want to pay the complete amount at once or pay the minimum amount due. You can contact the customer care representative of the bank for the same. The amount will be debited accordingly from your savings or current account.

Payment at ATMs: You can now visit the nearest Axis Bank ATM for making the payment of your credit card bills. You have to nothing but simply insert your debit card and choose other services options. Then click on the option of bill payment and follow the procedure accordingly. The amount will be debited from account as soon as you confirm the process.

Online Mode

When it comes to making payments through online mode you get multiple options.

Through Internet Banking: Internet banking has become one of the most prefered ways of paying a bill. Simply login to Axis bank internet banking and go to Balance and Payments section and choose the relevant option to make the payment.

Through National Electronic Funds Transfer (NEFT): Through this facility you can make the bill payment from any other bank account. It will take only a day to process the transaction.

Through Visa Money Transfer: Visa Money Transfer can be used for making the card payment. Here you can use the net banking facility or Visa debit card to clear payments.

From the account of other banks: You have to simply use the net banking facility of the bank in which you have your account. It takes at least three days to process the payment.

Through your Mobile: Now you can pay off the dues by using your mobile phone. All you have to do is download the Axis Bank App from the app store and and then you can make instant payments. This method is not only convenient to the user but is secured as well.

Through Immediate Payment Service (IMPS): IMPS facility is very easy to use and you have to simply tap on the mobile screen. The transaction is cleared within a day. All you have to do is download the mobile banking application.

Through a SMS: With the help of a single SMS, you can make any sort of payment for your credit card bill. You will have to send an sms to 5676782. The format for the same will be CCP Last six Digit of Axis Bank saving or current account number the payment amount credit card number’s last four digit. You have to ensure that you send the same from your registered mobile number only.

Axis Bank Credit Card Online

The card users are provided with an Axis bank credit card login so that they are able to know the key details of their account. You can monitor the regular expenditure you make and repayment schedules. Every transaction is recorded and therefore it helps the cardholder to keep a track record of his/her usage.

Axis Bank Credit Card Customer Care

In case you have any query regarding your card, you can contact the customer care representative of the bank. There are two toll free numbers on which you can call to address  your grievance. The toll free numbers are- 1800-209-5577 and 1800-103-5577. In case you want to register a complaint with the bank personally, you can go to the nearest branch.

HDFC Personal Loan Interest Rates – Minimize your EMI by Opting for Low Rates

hdfc personal loan

Wishes small or big, on accomplishment gives immense joy. These wishes sometimes may require huge finance. At such time instead of forgetting about these dreams, we should find the way out to achieve them. In today’s time, it has become easy to arrange funds because of availability of loans. The customers can avail personal loan to hack the individual needs. There are various lenders that provide such loans. One amongst them is HDFC.

It is one of the most trusted banks in India. It offers you the personal loan to fulfill all your personal wishes and needs. The product is a solution to all your financial related problems. HDFC personal loan is available for eligible candidates at competitive rates. Read the section provided below to grab the detailed information about the product.

HDFC Personal Loan Interest Rates & Charges

The candidates availing the benefit of the loan product have to pay the following fees and charges:

Rate of Interest-  The borrower has to pay the interest at the rates applicable on the amount and profile of the individual. The rate is customized and decided on the basis of individual’s profile and the amount borrowed.

Processing Fee- The candidates have to pay up to 2.5% of the loan amount subject to a minimum of ₹ 1000 & maximum of ₹ 25,000 as processing fee.

Pre-payment Charges–  The prepayment charges are as follows:

  • No prepayment allowed before 12 EMI’s
  • 13- 24 months – 4% of the principal outstanding amount
  • 25-36 months – 3% of the principal outstanding amount
  • More than 36 months – 2% of the principal outstanding amount

The suitable candidates who stand by the HDFC Personal Loan Eligibility norms can avail the benefit of the product offered by the bank.

HDFC Personal Loan Eligibility

The loan can be availed by eligible candidates. The eligibility criteria are as follows :

  1. The applicant should be at least 21 years of age at the time of application and the maximum age should be at least 60 at the time of loan maturity.
  2. The applicant should be a salaried individual which include salaried doctors, CAs, an employee of private limited companies, an employee of public sector undertaking (PSU’s), central or state government.
  3. The minimum net monthly income of the applicant should be ₹ 12,000 per month and for few cities like Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad and Cochin the net monthly income should be ₹ 15,000 per month.
  4. The minimum work experience should at least be 2 years. The applicant should have the minimum of 1year work experience with the current organization.
  5. The applicant should have a good CIBIL score.

Documents Required:

  • Duly signed application with recent photographs.
  • Identity proof – the copy of Passport, Voter ID card, Driving license, Aadhaar card
  • Residential proof – the copy of electricity bill, water bill, telephone bill, passport
  • Bank Statement- Last three months bank statement
  • Income proofLatest salary slip or current dated salary certificate with form-16

HDFC Personal Loan EMI Calculator

Calculating the EMIs is a complex process right? Your mindset is going to change now when I will tell you about HDFC Personal Loan EMI Calculator. The tool has been designed to make the process of calculation of monthly EMIs simpler and hassle free. You can now say goodbye to the manual calculation of the EMIs and instead use the magical tool to do the same. You have to simply enter the details like tenure period, loan amount and rate of interest. The tool will take care of the rest. It will give you information relating to your total interest payable and monthly EMI amount.

Factors Affecting Personal Loan Eligibility-

  • Monthly Income
  • Age
  • Savings
  • Any Other Running Credit
  • Credit History
  • Job Stability

Features and Benefits –

  • Competitive interest rates
  • Special offers, interest rates and charges for HDFC Bank account holders
  • Loans sanctioned within a day
  • Quick disbursal and easy documentation
  • Candidates can apply online
  • Convenience of contacting through SMS, Web chat, Click2Talk, Phone Banking and across all branches
  • Zero hidden charges, reasonable processing fees and utmost clarity on the loan process with up-to-date information about the loan application at each stage

The HDFC bank personal loan is a tailor-made financial solution for all your financial related problems. Personal loan interest rates are reasonable to smoothen the loan journey of the customer. You can apply for the loan anytime through net banking or by visiting the bank branch and get funds quickly.

How to make a Credit Card Bill Payment an Easy Task

When swiping a credit card is an easy task then why paying the bill be so difficult? Credit cards make the payment simple and quick without limiting your expenditure. You can spend as much as your credit limit during the credit period. But the trouble arises when you have to pay the bill. Apart from the bill amount, mode of repayment also causes a problem.

Credit Card Bill Payment

It becomes difficult to visit the bank and stand in long queues on the date of payment and wait for your turn. You can escape the trouble using effective way of credit card bill payment. For the convenience of the customers, the bank has introduced an easy method. The detailed procedure of how to make a credit card bill payment of various banks is discussed below in the article.

The bill can be paid through both online and offline mode. With the advent of technology, it has become easy to do things without compromising on the comfort. Using the online facility the customer can pay the bills online. You can make payments using your phone anytime and from anywhere. The payment method of various banks are-

ICICI Bank Bill Payment

Through net banking- you have to follow 4 simple steps:

  1. Select your bank
  2. Provide the details of your credit card
  3. Confirm payment amount and make payment
  4. Receive online confirmation of the payment

Through debit card- It also has 4 steps to complete the bill payment:

  1. Select your card type
  2. Give all the credit card details
  3. Confirm the amount and it will be debited instantly from your account
  4. Receive the online confirmation

HDFC Bank Bill Payment

  1. Provide the credit card details
  2. confirm payment
  3. get the confirmation

SBI Bill Repayment-

You can pay the bill through NEFT payment, credit card, debit card, electronic payment etc.

Things to be Considered

There are several things that are mentioned on the bill statement provided to the cardholder which sums up all the expenditure made by the customer and detailed information regarding it is given by them.

Credit Card Number-  it is the number imprinted on the Credit Card and is also mentioned on the bill.

Summary of Account- All the purchases made by you using the credit card in past one month is mentioned. Also, the details of where and how much the user have swiped are also mentioned.

Payment due- The amount of payment due for the current month is mentioned in the credit card bill, also if any previous payment is due then it comes under Balance payment.

Minimum Amount Due– it is mentioned in the bill which is the minimum amount that can be paid for now if the user is unable to pay the entire amount. The remaining amount then transfers to the next bill and comes under balance payment. On such amount, the interest rate is charged as well.

Available Credit limit- it is the remaining credit amount of your credit card so that you can use it further. It is the total credit available to you subtracted by the credit used.

Applicable Interest Rate– the interest rate is charged if you have only paid the minimum amount due. The remaining amount will be carry forwarded to the next bill and interest will be charged.

Payment due date– It is the date up to which the user can make the payment. If the payment date is missed then the interest rate will be charged.

If you don’t want to pay extra charges then it is advisable that you should make your payments on time. Otherwise, you have to pay the penal charges. It is necessary for the cardholder to clear the dues regularly for smooth and hassle free services provided by them. If the payment is not made on time then the credit card provider will restrict the usage of the card.

 

Explore Your Way Around Axis Bank Credit Card Bill Payment!

Axis Bank Credit Card Bill Payment can be done through tons of ways, thanks to the technological advancement that is available to us. Axis Bank has always been ahead of its years when it comes to keeping its pace with the latest technology and keeping the convenience of its customers in mind.

The bank allows its customers numerous options to pay off their credit card dues conveniently and in almost no time. Whether you like to do it the online way or prefer the conventional offline methods, Axis Bank has taken care of your preferences and made options available for everyone. Explore the many offline and online credit card bill payment options given below and celebrate the ease that they have caused.

credit card bill payment

Axis Bank credit Card Eligibility

The eligibility criteria followed by Axis Bank for the issuance of credit cards is as follows:

  • Age limit- The age bar set by the bank for issuing a credit card is from a minimum of 18 years to a maximum of 70 years. The bank also issues an add-on card. For an add-on card for a minor the minimum age limit is 15 years.
  • Nationality- According to Axis Bank, the applicant must be an Indian National to be able to apply for the Axis Bank Credit Card.

Axis Bank Credit Card Bill Payment

Axis Bank Credit Card Bill Payment can be done through various methods. The card bearer can either pay off his/her Axis Bank Credit Card dues through offline mode or the online mode.

Offline Mode

  • Through a cheque/ demand draft: You can make the Axis Bank Credit Card Bill Payment through a cheque or a demand draft. All you need to do is that mention your account number behind the cheque or the demand draft that is in favour of Axis Bank and drop it at your nearest Axis Bank branch. Though you need to keep a few things in mind while making payment through this mode. Remember to drop the cheque at least 5 days in advance of your due date and the cheque should not be post dated. Also, draw the cheque in favour of a local bank. The bank usually takes 1 day to process an Axis Bank cheque drawn for this purpose and at least 3-5 days to realise the cheque of other banks.
  • Through cash payment: You can also make your Axis Bank Credit Card Bill Payment in cash at your nearest Axis Bank branch. The bank charges a Service Fee of ₹ 100 for cash payment of your credit card dues and the process is completed within the same day.
  • Through Auto Debit: You can use the Auto Debit Facility to pay off your Axis Bank Credit Card bills. Through this facility you can pay the complete amount that is due or a minimum amount towards your credit cards bill through your Axis Bank savings or current account every month. You can get in touch with the Axis Bank Customer Care for assistance to use this facility.
  • Payment at ATMs: You can use your Axis Bank ATM Card or Debit Card to make your Axis Bank Credit Card Bill Payment. To use this method, all you need to do is that visit your nearest ATM and choose the option of bill payment in the machine. Follow the complete procedure as directed by the machine and you will be done.

Online Mode

  • Axis credit card payment by Debit Card: Axis credit card payment can be done using a debit card. You can either do Axis Bank Credit Card payment through Axis Bank Debit Card which would be the most convenient option as the payment will get processed in the same day. Also, you can make Axis Bank Credit Card payment through other bank Debit Card which might take 3-5 working days to get processed. This mode is highly convenient as your credit card bill payment would be done only in a few clicks.
  • Axis credit card payment by Axis Bank Internet Banking: You can use Axis Bank Internet Banking to make your Axis BAnk Credit Card Bill Payment. All you need to do is login to your internet banking account of the bank and go to Balance and Payments section and make relevant option choices to go ahead with the payment.  
  • Axis Bank Credit Card Bill Payment via National Electronic Funds Transfer (NEFT): You can also use NEFT facility to make your credit card bill payment. This option allows you to use any other bank account that you might have.
  • Axis Bank Credit Card Bill Payment through Visa Money Transfer: You can use Visa Money Transfer to make your credit card payment which allows you to use net banking facility or your Visa debit card for the same.
  • Make Axis Bank Credit Card Bill Payment using other bank accounts: Pay your Axis Bank Credit Card Bill dues with net banking facility of other bank accounts apart from Axis Bank.
  • Axis Bank Credit Card Bill Payment through Mobile: You can use your mobile to pay off your credit card bills. You can download the Axis Bank App from the app store and use your mobile to pay the outstanding dues. This is a very convenient, user-friendly and secured way for making Axis Bank Credit Card Bill Payment.
  • Axis Bank Credit Card Bill Payment via Immediate Payment Service (IMPS): using the IMPS facility to pay off your credit card bills is an outstandingly easy way to do so. Now your bill payment is just a tap away!
  • Axis Bank Credit Card Bill Payment through SMS: Making Axis Bank Credit Card Bill Payment can not get any easier than by doing it through a single SMS. Explore this option and you would never regret it!

Axis Bank Credit Card Online

Axis Bank provides its credit card customers with a unique Axis Bank Credit Card Login to help them keep a tab on their credit card account. With this unique login ID, one can keep a tab on their regular expenditure and repayment schedules. This facility also helps the card bearers keep a track of the usage of their credit cards over time as it records every transaction that is made through the card.

Axis Bank Credit Card Customer Care

Axis Bank makes it a point that no query or grievance of any of its valued customers goes unattended. Hence, Axis Bank Credit Card Customer Care addresses all the concerns of its customers related to their credit cards. You can reach them via their toll free numbers- 1800-209-5577 and 1800-103-5577. Also, you can get your concern registered on the official website of the bank by clicking on ‘Get Support’ tab on their website. If you wish to personally register your complaint, you can visit the nearest Axis Bank branch.

Settle Your Bills Fastly through HDFC Credit Card Bill Payment

Do you know that your HDFC Credit Cards help you settle your bills quickly? So, no more waits nor standing in long drawn queues. Allow yourself to fastly pay your bills through HDFC Credit Card Bill Payment and that too within the comfort of your own space.

HDFC Credit Card Bill Payment Steps:

Make your every billing experience a happier one. Simply check out the instant facilities online which are provided by HDFC Bank to quickly settle off your bills:

Pay Now: Why to entangle yourself in writing cheques or balancing cheque books? Use ‘Pay Now’ for the quick settlement of your bills without registering yourself. Just follow the below mentioned steps in paying your bills:

hdfc credit cards

  • Select the location of your biller(e.g. Mumbai, Delhi etc)
  • Select from the list of billers in that location and enter the details which are asked for.  Also, keep your bill in physical format with you until you make your payment such as customer number, cycle number, bill date etc. Subsequently, you need to cross check everything before proceeding.
  • Now, authorize your payment by using your Visa or MasterCard HDFC Bank Credit Card. Feed the details of your card number,  its expiry details, CW number-3 digit number on the back of your card and the name on your card.

After submitting all your details, the processing of your payments makes its own way through a secured payment gateway which is authenticated by HDFC Bank. Once the instructions have been processed successfully, your credit card account is charged and the payment gets directed to your selected biller. Afterward, you will get an instant confirmation for the payments done. A nominal fee of  ₹ 10 will be charged for processing this transaction.

Register & Pay : If you want to pay your broadband or electricity bills, check the billers from the HDFC bank website. Later on, get yourself registered for undertaking this transaction.

  • Generate a one-time login account by going to the HDFC website. Click on ‘Register & Pay’.
  • Feed your personal details for registration in the boxes wherever required and authenticate your HDFC Bank credit card by performing ₹ 10 transactions. ₹ 10 will be blocked against your credit limit and subsequently gets released within 15 days.
  • Setup service providers towards which you want to use ‘HDFC Register & Pay’. You can continue adding and deleting billers from the list provided.
  • Choose your biller and enter the required details at the time of your bill payment. Check the pending amount on your bill and check the payment option for making an instantaneous payment with your HDFC Credit Card.

Moreover, by using ‘Register & Pay’, you can make part or interim payments subject to the terms and conditions specified by the billers.

Smart Pay : Register yourself on Net Banking for instant payment of your bills through ‘Smart Pay’. Avail 5% cash back facility subject to the conditions prescribed by the HDFC Bank. Subsequently, follow below-mentioned steps for registering yourself on SmartPay through your Credit Card:

  • Log-in to the Net Banking and click on the ‘Cards’ tabs.
  • Click on the ‘Transaction’ option under the credit cards section on the left-hand side. From the drop-down menu, select ‘SmartPay’ Online and click on ‘Continue’.
  • Add a SmartPay account if you are a new member to this account. Select your Credit Card for payment and click on ‘Continue’.
  • Enter your Contact and Credit Card details and Click on ‘Submit’. Lastly, your card is registered for SmartPay.  

Visa Bill Pay: Use HDFC Visa Bill Pay for fast settlement of your bills through HDFC Credit Card. Now you no longer have to keep a track record of multiple bills along with multiple due dates. This provision is applicable in either two ways :  Pay Right Away Service & Register and Pay Service. Simply provide the biller, enter the details of your bill and make the payment.

Standing Instruction on Credit Card: By using standing instructions you can also settle off your bills at ease. With the access to Net Banking facility, you can easily pay off your bills such as telephone, mobile, electricity bills and insurance premiums without writing cheques or waiting in long drawn queues. Moreover, you can enjoy 5% cashback facility on Utility and Telecom payments through the Credit Card facility.gramm

HDFC Credit Card Bill Payment through NEFT

Do your credit card bill payments make you more worried? Settle it fast until it gives you a nightmare. Those times have gone when you used to initially spend hours, standing in queues for clearing your cheque payments. Now you have the provision of National Electronics Funds Transfer(NEFT) for fast transfer of funds electronically to your merchant. Use IFSC Code  HDFC0000128 and settle down your payments at a faster pace.

HDFC Credit Card Customer Care

Are you facing any issues regarding your bill payments on your credit cards? Contact HDFC Credit card experienced customer care representative by calling on : 1800 266 4332 from your respective city.

Recognize your Personal Needs through Bajaj Finance Personal Loan Eligibility

Are you looking for personal loans so as to fulfill your personal requirements? Consider Bajaj Finance Personal loan which directly disburses loan amount directly in your bank account within 72 hours. Determine your eligibility criteria before submitting your application form. It’s the eligibility of the individual borrower which indicates the quantum of loan amount which you can avail from Bajaj Finance.

Personal-Loan

You can use personal loan eligibility calculator that is easy and simple to use, provided the information furnished by you is accurate enough to start processing your loan amount quickly. The age limit, the borrower’s occupation, net monthly income are some vital credentials that plays a pivotal role while sanctioning you the desired loan amount.

Personal loans are such loans where individuals can identify themselves even when they are facing the paucity of funds. These are unsecured loans which can be utilized for meeting your personal requirements such as conducting a wedding in the family, pursuing higher education, paying school fees of your daughter/son, to afford costly medical treatment or planning a vacation and much more. You can also plan for your big purchases like buying heavy electronic items like LCD, washing machine, iphone, refrigerator etc.

Settle down all your previous financial obligations so that you can easily earn a good CIBIL score, which is mandatory for getting the quick sanction of loans. After all, a good credit score will help you avail higher amount of personal loans at ease.

Bajaj Finance Personal Loan Interest Rates

The criteria which needs to be considered while availing personal loan depends on several factors. These factors involve credit history, salary, and your borrowed amount which becomes compulsory to maintain while applying for personal loan. The lowest Bajaj Finance personal loan interest rate starts from  12.75% p.a. for loans upto ₹  25 lakhs. These are additional charges which become essential to bear that includes processing fees, EMI bounce charges, penal interest, and security fee(only for online). These charges are required to be paid by the borrower for the processing of your personal loan application.

Bajaj Finance Personal Loan Eligibility

  • The age criteria of the borrower should fall between 25-53 years.
  • The borrower needs to be a salaried employee by profession.
  • The net monthly income of the borrower should be average ₹  35,000 (Subsequent to vary depending upon the location and employer)
    • The minimum net salary need to be ₹ 40,000 per month for cities such as Ahmedabad, Bangalore, Chennai, Coimbatore, Delhi, Faridabad, Ghaziabad, Gurgaon, Hyderabad, Kolkata, Mumbai, Noida, Pune, Surat, Thane
    • The minimum net salary needs to be ₹ 35,000 per month for cities such as Chandigarh, Cochin, Jaipur, Nagpur
    • The minimum net salary needs to be ₹  30,000 per month for cities such as Aurangabad, Baroda, Bhubaneswar, Indore, Madurai, Mysore, Nasik, Trivandrum, Vijayawada, Vizag.

Bajaj Finance Personal Loan Eligibility Calculator

Now you can ascertain your eligibility online, enter the below details as required :

  1. Your Date of Birth
  2. Your Current City of Residence
  3. Your Company/Employer Name
  4. Your Net Salary
  5. Your Combined Monthly Loan EMIs
  6. Your Combined Outstanding amount on Credit Card
  7. You need to mention whether you are availing Home Loan or not

After filling the above details, proceed further to assess whether you are eligible or not.

Bajaj Finance Personal Loan Apply Online

  • Visit the Personal Loan section of Bajaj Finserv website.
  • Click on the button ‘Apply Online’.
  • Mention your complete and accurate details such as reference Pin code, residence city, residence state, PAN Card, Mobile number, Date of Birth, your First Name, Middle Name, Last Name, your official email address, select your company name(employer name) and enter the net salary credited for the last two months.
  • Finally, click the ‘Submit’ button to submit your online application.
  • Later on, the representative from Bajaj Finance will get in touch with you for document collection. Afterward, your personal loan amount will get credited to your account.

Documents Required for Bajaj Finance Personal Loan

  1. KYC Documents:
  • Identity proof(Any one of the below)
    • Passport / Voters ID card / Driving license / PAN card
  • Address proof(Any one of the below)
    • Passport / Driving license / Ration card / Latest mobile bill / Letter from employer (with HR / Admin sign)
  1. Salary slips of the last 2 months
  2. Salary account bank statement of the last 3 months

4. Employee ID card to furnish as employment proof

Resolve Your Dilemma Related To Personal Loan Interest Rate

A Personal Loan is the first option that strikes our mind when we urgently need money. And after that the first thing that strikes us is the Personal Loan Interest Rate. Whether its the extravagant cruise trip that you have been planning for a long time now or a medical urgency that requires urgent money, Personal Loan takes care of it all! The reason why going for a Personal Loan is so convenient because:

sbi personal loan

  • They are easily available
  • They do not require a lot of documentation
  • They come with attractive and affordable interest rates
  • They are usually unsecured and hence do not require a collateral
  • The loan tenure is usually quite liberal
  • The borrower can use this money as per his/ her will
  • People from different nature of profession can apply for this loan

Which Bank Is Best For Personal Loan?

Personal Loans are provided by all the major banks and NFBCs in the country at very competitive rates and facilities. The competition has reached a cut-throat stage with new and unique facilities being provided by these institutions. This has made it very difficult for the applicants to decide the apt bank for themselves. Below listed are some of the more influential banks in the country. Take a look at what they have on offer in the Personal Loan segment and decide for yourself!

HDFC Personal Loan Interest Rates

HDFC Personal Loan Interest Rates stand to be in 15.75% to 20% slab, depending upon the loan amount, the borrower’s profile and the tenure of the loan. The loan processing charges are up to 2.50% of the loan amount which must range between a minimum of ₹ 1,000 to a maximum of ₹ 25,000, along with the applicable Service Tax. In case of a prepayment, HDFC doesn’t allow the prepayment of a Personal Loan before first 12 EMIs. After that, the bank charges a prepayment charge ranging between 2% to 4% of the principal amount based on the pending loan tenure.

The bank offers a Personal Loan of a maximum amount of ₹ 25 lakhs to the salaried professionals and up to ₹ 15 lakhs to the self-employed individuals.

SBI Personal Loan Interest Rates

SBI Personal Loan Interest Rates are calculated on the basis of MCLR which stands for Marginal Cost of Lending Rate. The concept of MCLR is usually used while the calculation of Home Loan interest rates. But SBI maintains a clear distinction between the two by pricing the SBI Personal Loan Interest Rate differently. The MCLR for SBI Personal Loan is for 2 years whereas that for the Home Loan is 1 year. One can easily check the current MCLR in the quarterly review of the bank where the rate for different time periods is mentioned. Hence, the interest rate for SBI Personal Loan differ as per the changing MCLR.

The bank offers a maximum of ₹ 15 lakhs to both salaried professionals as well as the self-employed individuals.

Personal Loan Interest Rates Axis Bank

Personal Loan Interest Rates for Axis Bank are between 15.50% to 24%. The loan processing charges levied by the bank range between 1.50% to 2%, along with the applicable Service Tax. The personal loan tenure provided by the bank ranges between 12 months to 60 months. Personal Loan Axis Bank is provided up to ₹ 15 lakhs to both salaried professionals as well as self-employed individuals. In case of the prepayment of the loan, the bank does not levy any prepayment charges on the applicant.

Personal Loan Interest Rates ICICI Bank

Personal Loan Interest Rates of ICICI Bank range between 11.59% to 22%. The loan processing charges levied by the bank are about 2.25% per annum along with the applicable Service Tax. In case of the prepayment of the loan, the bank charges a prepayment fee of about ₹ 100 per schedule along with the applicable Service Tax. The bank provides a Personal Loan up to ₹ 20 lakhs for the salaried individuals, ₹ 30 lakhs for the self-employed individuals and up to ₹ 40 lakhs for the doctors.

Personal Loan Interest Rates Kotak Mahindra Bank

Personal Loan Interest rates of Kotak Mahindra Bank range from 11.29% to 24%. The processing fee charged by the bank is about 2.5% along with the applicable Service Tax. In case of a loan prepayment, the bank does not allow the applicant to do so for the first 12 months of the loan. After that, the bank levies a foreclosure charge of about 5% on the principal outstanding along with the applicable Service Tax.

Kotak Mahindra Bank provides a Personal Loan from a minimum of  ₹ 50,000 to ₹ 15,00,000, depending upon the borrower’s profile and loan tenure.

Personal Loan Interest Calculator

A Personal Loan Interest Calculator is a very useful tool when the applicant wants to calculate the amount of EMIs and the total interest payable towards his/ her Personal Loan. The tool asks for basic information pertaining to the loan such as the rate of interest levied by the bank, loan tenure and the amount of loan sought by the applicant. Making use of this information, the tool churns out the amount of the monthly installment that is to be paid by the borrower. It also shows results about the total interest payable by the borrower throughout the loan tenure and the net amount that needs to be repaid by the borrower.  

Gain Joyous Shopping Experience through HDFC Credit Card

Want to explore more stores online but due to heavy prices, can’t purchase it? Don’t worry as HDFC Credit card is on your side which can provide you possible avenues of shopping experience online. Now you can quickly access multiple online stores and can book your favourite item on an instant basis. Isn’t it cool? With HDFC Credit card it is possible where you can enjoy maximum online purchasing of items and earn reward points on it.

hdfc credit card

Moreover, you have to pay partly on your credit cards where you have the provision to use your reward points. Plus you can win exciting prizes, discount coupons, rebate or concession on your shopping from the online outlets tied up with HDFC Bank. So, do you want to miss such valuable opportunity online? Ofcourse not. Apply online for your HDFC Credit card by assessing your eligibility criteria and get a step closer to availing your purchases through HDFC Credit Card.

HDFC Credit Card Eligibility Criteria

It is very essential to check whether you are eligible to apply for the credit card or not. Every credit card category possesses different norms which must be kept in mind before you want to own your credit card.

  • Your minimum net monthly income should be in accordance with the criteria set by HDFC Bank itself.
  • You should have a strong CIBIL score which is very much important for a credit cardholder.
  • You must have employment with a reputed and renowned MNC or any good firm.
  • You should provide all your professional and personal details accurately. If in case, your information stands false, your application will liable to become rejected by HDFC Bank.

HDFC Credit Card Apply

Just check out the following steps in order to apply for your HDFC Credit Card:

  • Login to the New Banking website of HDFC Bank. Specify your customer ID when you have had opened an account with the bank.
  • Click on the selection of credit cards.
  • Proceed with the subsequent steps and this will take up to the application procedure.
  • Afterward, fill-up the application form which asks you for the details like your full name, address,  net monthly income, date of birth, employer’s name etc.
  • The website will show you the list of all available options which are based on your profile.
  • Evaluate and thoroughly check the benefits, features, annual charges, and joining fees of each card
  • Lastly, you will have selected your own card that satiate all your requirements.

Types of HDFC Credit Cards

There are ten different varieties of HDFC Credit cards that can take care of your needs. They are universally acceptable and can allow the transaction access across any merchant outlets not only in India but in foreign countries as well. Just take a look on the variety of credit cards which HDFC offer to its customers and select the best one for yourself:

Featured Cards

  • JetPrivilege HDFC Bank World
  • Titanium Times
  • Platinum Times
  • Diners Club Black

Co-Brand

  • JetPrivilege World
  • Titanium Times
  • Maruti Suzuki NEXA AllMiles,
  • Snapdeal Card

Super Premium

  • Regalia
  • Infinia
  • JetPrivilege Diners Club
  • Diners Club Black

Professional

  • Teacher’s Platinum
  • Doctor’s Superia

Premium Women

 

  • Solitaire

 

Premium Travel

  • Superia
  • Maruti Suzuki NEXA AllMiles
  • AllMiles

Premium

  • Diners Club Premium
  • Regalia First
  • Visa Signature
  • Diners Club Rewardz

Commercial

  • Business Regalia
  • Business MoneyBack
  • Corporate Card
  • Corporate Platinum

Regular

  • Platinum Plus

Cash back

  • Platinum Edge
  • MoneyBack
  • Freedom
  • Bharat

HDFC Credit Card Bill Payment Offers

Are Credit card bill payments your only concern? Don’t worry much as HDFC provides you with instant bill payment offers where you can easily settle off your payments quickly. Check out the online stores where you can instantly buy products and quickly get access to bill payment options, giving you rebates or concessions for the same.

Online Offers

  • Musafir.com
  • Makemytrip.com
  • Tax Manager- File your tax returns at a discount
  • Big Basket

Instore Offers

  • Naturals
  • Timex
  • Miras Carpet Industries
  • Snap Fitness 24-7

International Offers

  • Credit Card Offers on Flemingo
  • Booking.com

Easy EMI

  • Poorvika
  • Sony
  • Canon
  • HP

HDFC Credit Card Apply Documents Required

The following are the documents which need to be provided by an applicant in order to apply for HDFC Credit Card.

  • Submit your application form along with atleast one passport size photograph.
  • Address proof :  Passport, Ration card, Electricity bill and Aadhar card
  • The applicant should possess PAN Card,Form 16 and Income Tax Returns Statement.
  • Salary slips/certificate for last 3 months/latest bank statement which provides evidence of your salary credited for minimum 3 months.

Pay Your Bills in Time through HDFC Credit Card Bill Payment

HDFC Credit Card Bill Payment

Now you don’t have to entangle yourself in writing cheques or balancing passbooks. No more waits in long-drawn queues just to drop your local cheque against your bill in nearby dropbox. With the facility of HDFC Credit Card Bill Payment, life has become much easier as all the payments are  released online within just a click of your mouse.

So, the hassle of paying your electricity, telephone, cellular and insurance accounts has gone as you are ready to pay your bills in time by taking help of instant HDFC Credit Card Bill Payment. This safe and secure mechanism will allow you to pay your bills without any unnecessary registration but help you to earn reward points on your card, every time you pay. Let’s explore all the possible options towards your HDFC Credit Card Bill Payment :

HDFC Credit Card Bill Payment in 3 Steps

Just follow the simple 3 steps mentioned below and ease yourself from the pending financial dues.

  1. Specify your HDFC Bank Credit Card payment details
  • Enter the details such as HDFC Bank Credit Card number and Payment amount.
  • Select your net banker from the drop-down and click on PAY option.
  • Now, you will be safely redirected to the bank’s payment interface of your selected net banking option.
  1. Confirm your payment(at Bank)
  • Enter the details such as your authentication details (viz user id/password)
  • Make a confirmation to your payment amount to HDFC Bank Credit Card.
  • Afterward, your account will get online debited.
  1. Get online confirmation
  • In this step, you will obtain an online transaction confirmation and a Transaction Reference Number.
  • Also, you will get an email acknowledgement of your transaction (if email id provided).

HDFC Credit Card Bill Payment Offers

Explore the shopping experience offered to you by HDFC Bank on your credit cards. You will have a chance to look into the possible variety of online stores and avail discount options. Check out the online offers which can hit your favorite meal or travel plan or beauty products instantly covered under rebate or price concession zone. After all, you never know the biller on which you are getting constant nightmares because of the heavy amount, actually now have fallen into the rebate or discount zone recently under HDFC Credit Card Bill Payment offers. So, let’s check out the online stores on offer:
Online Offers

  • Musafir.com
  • Makemytrip.com
  • Tax Manager- File your tax returns at a discount
  • Big Basket

Instore Offers

  • Naturals
  • Timex
  • Miras Carpet Industries
  • Snap Fitness 24-7

International Offers

  • Credit Card Offers on Flemingo
  • Booking.com

Easy EMI

  • Poorvika
  • Sony
  • Canon
  • HP

HDFC Credit Card Apply

In order to make timely bill payments, you need to have HDFC Credit Card issued by HDFC Bank. Moreover, to get the Reward Point facility so as to enjoy the enthralling shopping experience, apply for the credit card through the medium of Net Banking.

  • Login to the New Banking website of HDFC Bank. Provide your customer ID which you have when you had opened an account with the bank.
  • Click on the selection of credit cards.
  • Proceed with the next steps and this will take up to the application procedure.
  • Afterward, fill-up the details of your application form. Furthermore, enter your details such as your full name, address,  net monthly income, date of birth, employer’s name etc.
  • The website will exhibit you the list of all available options based on your profile.
  • Assess and thoroughly check the benefits, features, annual charges, and joining fees of each card
  • Lastly, you will have selected your own card that meets all your requirements.

HDFC Credit Card Bill Payment through NEFT

Are Credit Card bill payments your immediate concern? Gone are the days where you spend hours standing in queues for getting your cheque payments done because you have now many provisions of settling down your HDFC Credit Card bills. You can choose to transfer funds electronically through National Electronics Funds Transfer(NEFT) to your merchant. Use IFSC Code  HDFC0000128 and settle your payments quickly.

HDFC Credit Card Customer Care

If you are facing any queries or issues relating to any bill payments on your credit cards or not been able to successfully pay your bills online, call the customer care representative of HDFC Bank by calling on :  1800 266 4332 from your respective city.