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What every entrepreneur should know: How working capital differs from venture capital

What Every Entrepreneur Should Know: How Working Capital Differs From Venture Capital

Every business, irrespective of the industry, will need urgent cash at some point when the bank account is close to running dry. In this trying time, the entrepreneur typically looks for a large injection of equity to keep the business alive and, in the process, forgoes more than what he/she bargained for-a slice of ownership. This depends upon the type of capital investment the entrepreneur decides to go for, which are primarily of two kinds: working capital and venture capital.

Working Capital Vs. Venture Capital

Working capital is a short-term financial instrument that is used to run the day-to-day activities of a business. Working capital is financed from the sale proceeds of the company itself. On the other hand, venture capital is the investment of capital by investors who see long-term growth potential in the business. While this is usually a larger sum that doesn’t eat into the company’s revenue, venture capital involves loss of ownership interest for the promoter.

When do you need Working Capital?

When your business has accounts receivable, i.e. when sales have been made but payments are still pending, you may find that you are running low on cash to meet daily expenses. In this situation, you need to raise working capital to keep the business afloat. The best solution is to follow up with the business creditors to release payments. Generally, when the business has a large number of creditors, getting some of them to clear their dues should be easy, providing the business with funds for working capital. In case this doesn’t work, it is best to approach a lender to borrow short-term funds to help your business tide over the cash crunch.

Also Read : Importance Of Having A Good Amount Of Working Capital

Lenders will examine the past performance of the business and the owner’s credit history, among other variables, and be able to fund you through immediate cash shortage. Some lenders offer innovative products to meet short-term finance needs and will also provide funds against accounts receivable.

When do you need Venture Capital?

Venture capital is the investment made by an investor in the first stages of the company’s growth. Depending on their core strength, the investors will focus on specific stages of a company’s growth. At the first stage, also called the ‘seed stage’, the venture capital helps to get the start-up off the ground. At this stage, the business may have little or no income at all. The second stage is called the ‘early stage’ where the business is starting to grow with some revenue-showing promise. Finally, the ‘growth stage’ is when you focus on making the business reach its full potential and become highly profitable. Any investment by a venture capitalist at any stage is against ownership. This ownership can be simple stock or preferred stock.

Taking venture capital investment may seem more in-trend, but it comes with a long list of riders and in some cases shared decision-making. If as an entrepreneur you are sure about your business, it is best to consider a working capital loan or a business loan to fund your working capital needs. As long as your business has been in existence for at least 3 years, you will get a Working Capital Loan or a business loan without a problem, provided your finances are in order and your business plan for the future is chalked out.

Also Read : Things You Should Know About Working Capital Loans

Lenders today are eager to help SME businesses as they are typically backed by strong entrepreneurs and offer an innovative solution or product for today’s market. When researching for an able lender, consider Bajaj Finserv, which offers working capital loans for small businesses and SMEs with minimal documentation. It also provides a Business Line of Credit in case you do not need the entire amount at one time.

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How Smart Investors Use an FD Calculator

How Smart Investors Use an FD Calculator

Are you looking to make a fixed deposit investment? If so, you may want to know how much it would yield over your chosen tenor. In such cases, you can always use an FD calculator. These calculators help you feed in the relevant information and calculate how much you will receive at the end of the tenor without needing you to put pen to paper and figure out the formula for compounding interest!

fd apply

FD calculators have a smooth user interface that makes them remarkably easy to use. They can also aid you in the final decision making of whether to invest in FDs. Alternatively, these calculators can give you important information like the minimum and maximum range of investment, the tenor options available, and the interest rates.

How FD Calculators Can Help You make a Good Investment

The use of an FD calculator is not time-bound. You can use them before or after investing. Where prospective investors can use them as a measure estimation, other investors can use them as a tool for reviewing the investment.

Below are Listed the Numerous Applications of FD Calculators:

  • Tracking the Return on Investment: Return on investment is the primary concern of any investor. Over a period of time, gaining profitable return on investment is what we all look forward to. Thus, FD calculators can help you forecast the returns you would receive on your investment. Also, if you manually add other costs, you can also calculate the net return on investment.
  • Comparing Calculated Results to Real Results:Once you have received the matured amount you can always re-calculate and see if you received returns as planned. However, it is important to make a note of floating interest rates when doing this comparison, as floating rates keep changing over time.
  • Estimating How Much to Invest: Since these calculators let you view the returns at various principal amounts, they can help you narrow down on the amount to be invested. You can view the interest rates on various amounts and then select an amount that would give you desirable results.
  • Observe the Growth of your Investment Along the Tenor: The tenor is the period of time over which your investment grows. This calculator lets you see how much the investment could grow for different tenor. You can thus decide upon a suitable tenor.
  • Getting Acquainted to the Interest Rates: Interest rates vary amongst institutions. However, using a fixed deposit calculator can let you view the various FD interest rates and the returns that you could receive on them.
  • Estimating the Maturity: Maturity is the rate by which your investment grows over time. The calculation can enable you to understand the amount by which your investment would grow over the tenor.

Benefits of Using FD Calculators

FD calculators can:

  1. Aid you in making the final decision of whether or not to invest in FDs.
  2. Let you analyse and evaluate the profitability of the FD scheme.
  3. Enable you to decide upon the principle amount to be invested.
  4. Showcase the various rates of interest that could be applicable on your investment.
  5. Help you track the return on your initial investment and compare them with real results.

Calculate FD Maturity Amount Invest in FD Check FD Interest Rate

Quick Short-term FDs vs Convenient Flexi FDs

Quick Short-term FDs vs Convenient Flexi FDs

Flexi FDs and short term FDs come with certain basic differences that can prove extremely beneficial to a conscientious investor. For example, It might help to know that flexible fixed deposits are built along the same lines as regular fixed deposits, but they are customized to suit changing needs. These fixed deposits allow premature withdrawals and are highly liquid. Short term FD is an instrument that involves investing a sum of money in an account and letting it grow over a short tenor. These deposits are ideal for raising small amounts of cash over a short tenor. There are numerous other features you ought to know about Flexi FD and short term FD before you apply for Flexi FD or quick-return FD. Once you know this set of features and benefits, you can make the final call and choose the one that suits your requirements the most.

fd apply

Benefits and Features of Short Term Deposits

  • This is just like any other fixed deposit. It involves locking a sum of money into an account over a period, where it gains interest.
  • This investment option, however, features a short lock-in period.
  • The tenor for this deposit can range from 7 days to 2 years.
  • The minimum amount for deposit varies; most institutions have a minimum amount of Rs. 10,000.
  • It is an extremely safe form of investment and does not get influenced by market forces.
  • The interest rates are stable and attractive—usually double the interest rates for savings accounts.
  • It is also important to note that the returns from these deposits can be taxable.
  • It is ideal for short term purposes like acquisition of a new vehicle or purchasing a gift for a family member.
  • There is no liquidity without a penalty, so it is better not to withdraw this amount until the end of the tenor.

Benefits and Features of Flexi Deposits

  • This deposit works on the same principles as regular deposits, except it features flexible range of features.
  • This deposit is extremely easy to start. The overall application process is short, transparent, and easy to go follow.
  • These deposits feature a flexible tenor. Various institutions offer you different maturity terms depending on your needs.
  • In certain cases, institutions offer an added loan against FD on applying for flexi deposits.
  • These are the deposits that feature auto renewal. Auto renewal means that the FD is immediately renewed without going through any additional formalities.
  • As is true with other deposits, these deposits let you freely choose the amount that you seek to invest.
  • These deposits have relaxed rules for premature withdrawals. In these FDs, you can withdraw your FD anytime without having to pay any penalty.
  • With such good liquidity, these FDs can be used as a mode of cash anytime the need arises.
  • These FDs can be used for a range of purposes like purchasing a new vehicle or buying your loved one a gift.
  • They offer investors attractive interest rates that guarantee better growth and maturity of the FD over the length of the tenor.
  • Either the tax on the interest earnings of these FD are deducted at source or need to be declared when filing your IT.
  • If you seek to withdraw your FD, you just need to inform the bank or financial company in advance.

These are some benefits of both short-term FD and flexi FD. You can choose any one based on your requirements. If you seek quick returns you can go for short term deposits and if relaxed terms and flexibility is your priority, flexi deposits are your best bet. Hurry and apply for a winning fixed deposit scheme. Bajaj Finance offers you flexible tenor, attractive interest rates and various other facilities.

Calculate FD Maturity Amount Invest in FD Check FD Interest Rate

Open the Door to New Opportunities with the Help of Fixed Deposits

Open the Door to New Opportunities with the Help of Fixed Deposits

Having a robust investment portfolio is important at any age, be it for an overall goal of achieving financial stability or to fulfil dreams such as buying a home. Savings also become your rescuers in times of need—like when you experience health issues, lose your job, have a debt to pay off, etc. Thus, savings play a vital role in your life, and a significant method of savings is through fixed deposits. Fixed deposits are one of the most secure investment options available today. When you create your investment portfolio that consists of your financial assets such as stocks, mutual funds, etc., make sure it groups your FD accounts too. FDs offer fixed interest rates, and are a must-have no matter your risk appetite.

Given Below are a Few Ways that Outline How You Can Earn More from your FD Account:

Opt for Company FDs:

The interest rates of company FDs are higher along with flexible tenor, which is why most investors choose them over bank FDs.

Go for Higher Interest Rates:

FDs come with different schemes of interest rates. There is a higher rate of interest for senior citizens, which goes up to 8.10%. Various company group employees and existing loan customers also enjoy higher FD interest rates. Also, when you renew your FDs, you get a higher interest rate, which helps you benefit more. So look out for such opportunities and make the most of higher returns.

Choose Cumulative FDs:

It is advisable to choose cumulative FDs over non-cumulative FDs. Cumulative FDs let you earn more due to compounding interest over your chosen tenor. This means that your annual interest is reinvested and you earn money on it which is then paid out to you at your FD’s maturity. When you choose non cumulative FDs, which offers you interest pay-outs at regular intervals, you still get an interest but lose out on compounding its value.

Avoid Untimely Withdrawals:

When you withdraw your FD investment before the end of the tenor period or before it reaches maturity, you may have to pay a penalty or lose out on your interest earnings. So, before you invest your money for a longer tenor such as 60 months, consider whether you will need to withdraw it early. If yes, opt for a shorter tenor to ensure you don’t pay an early withdrawal penalty.

Decide your Tenor Carefully:

When you invest in an FD, keep a watch on tenor since your FD will only earn you money when its interest rates are higher than the rate of inflation. So ensure that you are not locking in your investment in a fixed deposit for too long. It is better to keep a short tenor to beat inflation, ranging from 12 months to 60 months.

3 Major Advantages of Fixed Deposits

Assured Returns:

Unlike other investment schemes, fixed deposits offer you an assured return, regardless of market fluctuations.

Easy Withdrawal:

Fixed deposits are easy to withdraw when you need money for any conceivable urgency. However, untimely withdrawal of FDs will lead to a penalty.

Greater Flexibility:

It gives you the power to choose the tenor according to your need and requirements. You can also close your previous account and start with a new one or open multiple accounts.

Follow these simple steps to earn more from your fixed deposits. Bajaj Finance’s Fixed Deposits offer the best features—such as high stability and credibility ratings, an easy online application process, a handy fixed deposit calculator, and 200+ branches across India.

Calculate FD Maturity Amount Invest in FD Check FD Interest Rate

The Best Way to Take a Loan Against Your Fixed Deposit

The best way to take a loan against your Fixed Deposit

Whenever you are in need for emergency finances, you can easily opt for a loan against FD. This is a secured loan option that requires you to pledge your FD as collateral in return for the loan amount. There are various ways in which a loan against a fixed deposit can benefit you, like low interest rates and relatively easier application formalities. It also helps provide the ability to save your prized assets—like land or property—from being put at stake.

What Will You Need to Apply for a Loan Against FD

A loan against FD is a convenient financing option. However, before you apply for one, you need to consider certain factors. Since this is a customized loan option, it requires you to first have a fixed deposit, and also needs you to clear the application procedures. Here are some things you need to have before applying:

  1. Fixed Deposit: Since this loan option is secured against a FD, it is a primary necessity for you to have a FD account in the first place. For those unaware of the term, fixed deposits are sums of money invested in an account that earns interest over a tenor.
  2. FD With Matching Value to the Loan: Secondly, it is necessary for your FD to be of the same value as the loan you are borrowing. For example, for those borrowing a loan of Rs.1 lakh, their FD would have to be of the same value, or greater.
  3. Other Investments: The loan against FD can work better for you if you have multiple investments. If you just have a single FD that generates cash, it would be risky to put that FD at stake. Hence, before you apply, make sure you have various investments that are yielding good returns.
  4. The Tenor has to Match: The tenor for FDs is the period over which the investment matures. A tenor for a loan against fixed deposits is the period over which you have to repay the loan amount. The tenor for your FD has to be the same as your loan tenor, and you have to repay the loan within the maturity duration of your fixed deposit.
  5. Clearing the Eligibility Criteria and Application Formalities: To apply for this option, like all other options, you have to match the eligibility criteria. You also have to go through all the application procedures and submit basic documentation.

Benefits of Loans Against Deposits

  • These loans are secured and hence have simpler eligibility requirements as compared to unsecured loans.
  • Since this option requires submission of collateral, the interest rates are also lower. This makes payment of EMIs more affordable.
  • It doesn’t require you to break or liquidate the fixed deposit.
  • You can avoid the hassle of putting valuable assets or property at stake.
  • You can easily calculate your projected gains by using a handy calculator, and manage your finances accordingly.

How to Apply for Loans Against Deposits

  1. Download and carefully fill in all the details in the application form
  2. Submit the form with FDR
  3. Submit your ECS mandate and cancelled cheque in case you have a non-cumulative FD

Say goodbye to your financial troubles by applying for a rewarding loan against FD here. Bajaj Finserv offers you affordable interest rates and minimal documentation for submission, along with a range of other utilitarian facilities.

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Are You Losing Out By Not Investing in Fixed Deposits?

Are You Losing Out By Not Investing in Fixed Deposits?

Fixed deposits are sound financial instruments for those who want to park their surplus money. Indians have traditionally preferred fixed deposits over other avenues such as debentures, mutual funds and shares because of the safety and stability that they offer. Like all other investments, fixed deposits too have their advantages and disadvantages. Let’s examine what these are along with the key features.

The Primary Features of a Fixed Deposit

Fixed period: A fixed deposit is a financial instrument where the money deposited by you is held by the bank for a certain fixed period of time. This is a key feature of all fixed deposits, where you are not allowed to withdraw the cash in your FD, and withdrawing it before the expiry of the maturity period will incur penalty charges or an interest rate lower than what the banks or non-banking financial companies normally offer.

One Time-deposit: The money deposited is a one-time investment and is not of a recurring type, where you have to regularly credit your account with a certain predetermined sum. Because of its one-time and fixed nature, it makes more economical sense to put a larger portion of your generally unutilized money in fixed deposits rather than keeping them idle in a bank savings accounts, where the interest rates are lowest.

Insurance/credit Rating:  Whether you open a fixed deposit in a public-sector bank or a private bank, your fixed deposit is insured by the Deposit Insurance and Credit Guarantee Corporation under which all banks in the country fall. You can safely deposit a maximum amount Rs.1 lakh in these banks. Recently, non-banking financial companies have also started offering fixed deposit at competitive interest rates. Some of the more established and trusted among them, such as Bajaj Finance, also have credit rating agencies such as CRISIL, CARE, ICRA etc., to rate their fixed deposit, so you get an idea of how safe your money is when you invest with them. Fixed Deposits offered by Bajaj Finance have been graded MAA by ICRA and FAAA/Stable Rating by CRISIL, which is high on security.

Advantages of a Fixed Deposit

Earn a higher rate of interest: By keeping a large amount of your surplus funds idle in a bank savings account, which in these days of lower interest rates are almost as good as current accounts, you are losing out. Since the interest rates are comparatively higher in fixed deposits, it makes practical sense to deposit the excess amount in fixed deposits and earn lucrative returns from them.

Streamline Your Expenditure: Having a fixed deposit forces you to streamline your expenditure. By tweaking your expenses to income ratio, you learn to avoid spending where it is not required so you can have the money when the need actually arises. This is ideal for individuals who run businesses that depend on adequate cash flows to run their day to day operations. Having a fixed deposit can serve as a lifesaver in situations where the concern happens to encounter an unexpected cash shortage. Similarly, it is great for investors of any age who want to save for personal reasons, be it a medical emergency or purchase of an asset in the future.

Liquidity and Flexibility: A fixed deposit does allow for a certain amount of flexibility. Though predominantly a fixed deposit is ‘fixed’, one can withdraw cash for unexpected and urgent needs. Of course, you may have to pay a certain penalty for withdrawing the amount prematurely, but this is certainly better than not having the money at all when you most require it.

Disadvantages of a Fixed Deposit

Inflation Must be Factored In: With the prices of essential commodities rising, the main worry is whether your fixed deposit will generate enough returns to beat the inflation rate. If the inflation rate happens to higher than the interest rate on your fixed deposit, what you are actually getting in hand could well be a negative return without you being aware of it. Therefore, it is imperative for you to get some idea of what the prevailing rate of inflation is and invest in FDs for a shorter tenor, not exceeding 5-6 years.

Lack of Diversification: By putting all your money in fixed deposits, you are actually putting all your eggs in one basket. This can prove to be counter-effective if the basket in which you have placed your assets does not yield substantial returns. Investing all your money in fixed deposits means you automatically forego the benefits of diversification where you could have invested in different asset classes such as gold and thus minimized the impact in case there is a loss. FDs should be a part of your investment portfolio along with other investment options keeping in mind your risk appetite.

Taxation Woes: Investing in fixed deposits does not offer much by way of tax relief. There is a 10% tax deduction if the interest on your fixed deposit crosses more than Rs. 10,000 in a year, which you may have to offset by making investments elsewhere.

Bajaj Finance offers high fixed deposit interest rates up to 8.10%. Not just this, you can also manage your fixed deposit entirely online. Read what other benefits are in store for Bajaj Finance customers.

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A Simple Guide to Using a Fixed Deposit Calculator

A Simple Guide to Using a Fixed Deposit Calculator

If you are considering investing your savings in a fixed deposit, but do not know how much it yields, did you ever wonder how you can calculate FD interest rates or calculate maturity amount on FDs? FD calculators are online tools that are designed by experts that help you do just that. These calculators feature a simple layout and a user-friendly interface that makes calculating your FD returns easy. These calculators are tools can be used even before investing to forecast the quantity of gains their investment would yield over the tenor. They also help investors make the final decision of whether or not to invest in an FD.

 How to Use the Fixed Deposit Calculator

  1. Select your customer type. For example, whether you are a new or existing customer or a senior citizen.
  2. Choose whether you want a non-cumulative or cumulative FD.
  3. Enter the fixed deposit amount that you wish to invest, along with the tenor.
  4. Once this is done, you will automatically see the interest and maturity that you will gain.

Applications of a Fixed Deposit Calculator

Since these calculators are handy tools, they allow an investor to calculate and gain clarity on various aspects like the interest rates, the tenor and even the maturity. Here are some of the top uses of fixed deposit calculators:

  1. To Gain Insight About the Interest Rates: These calculators showcase a range of various interest rates for different tenor. This provides the investor exposure to the range of interest rates offered on the FD. Knowledge of this can help an investor get an estimate of rates that the investment would be applicable to.
  2. For Understanding the Range of Tenor Options: The tenor for a fixed deposit ranges from 12 months to 60 months. By using a calculator, an investor can speculate the various lengths of tenor and the maturity for the various tenors available. This can help you in deciding the period over which you want your investment to grow.
  3. To Figure Out the Range of Principals that Can be Invested: The principal amount is the amount that you invest in the FD. Using the calculator can show you the minimum and maximum range of sums that the financial institution allows you to invest. It also lets you see the interest rates for that amount and the maturity.
  4. To Calculate the Maturity of Your Investment: This is the primary use of the calculator. Its main aim is to show you the overall maturity of your invested amount over the period of the tenor. It showcases the amount of interest you would have received at the end of the tenor; the amount of money you would make either periodically or at end of the tenor, depending on whether your FD is non-cumulative or non-cumulative.

Benefits of Using a Fixed Deposit Calculator

  • It helps you calculate the overall maturity amount that your FD would yield.
  • Can help you make the final decision of whether or not to invest.
  • Helps you forecast the interest rates that would be applicable to your investment.
  • Shows you the range of the tenor and principle amounts that you can choose from.
  • Helps you see the maturity figures over each and every interest rate, tenor and principle in the range.

You can instantly calculate maturity of your FD. Investing with Bajaj Finance can provide you with immense financial gains and introduce you to rewarding facilities.

Calculate FD Maturity Amount Invest in FD Check FD Interest Rate

Why opening an FD Account is your ticket to financial freedom

Why opening an FD Account is your ticket to financial freedom

What is your favourite tourist destination? Paris? New York? Or is it impossible to decide because there are too many places to wish to visit? A holiday abroad might seem a distant dream to some, but not so for those who invested their savings wisely in a risk-free investment option, like a fixed deposit.

FD schemes can be broadly divided in two categories, namely cumulative and non-cumulative. While cumulative schemes pay out interest at the end of the tenor or maturity term of your FD, the non-cumulative schemes pay you interest on a periodical basis. This can be yearly, monthly or even quarterly. FDs are a good mode of investment for saving your money and even a source of income for senior citizens or those seeking retirement. They come with a range of maturity terms that you can choose from. They are also highly liquid; an FD can be broken any time the need for emergency cash arises.

The Benefits of Investing in a Fixed Deposit

Financial gains from good interest rates and high levels of safety make this option highly favourable for investors. If you select fixed deposits as a form of investment, you can gain benefits like the ones listed below:

  1. Interest Income: This is the direct income that you will receive from a fixed deposit. Depending on whether the deposit is cumulative or non-cumulative, you will receive returns periodically or compounded at the end of the tenor.
  2. Risk-free Investment: With the numerous investment options available, experts often classify them into two brackets: low risk and high risk investment options. High risk options are usually the options that have influence of market forces, like equity and mutual funds. However, fixed deposits are low risk as they are not affected by market forces and guarantee a fixed return on your investment.
  3. Measurable Returns: In this investment option, you are assured of complete financial gains that can be clearly understood. Your interest can also be calculated using an FD calculator, which will help you measure the exact returns that you can expect from your investment.
  4. Flexible and Customized Tenor:When opening an FD, you are free to choose a tenor that is most suitable to you. A long tenor can ensure that your investment gains more value and appreciation of interest, while a short tenor can give quicker returns.
  5. Good Use for Savings: Often, individuals with cash savings find themselves putting this amount in their bank account, which is not a productive use for it. If you convert this into a fixed deposit account, you can actually make your savings grow.
  6. Liquidity: FDs offer liquidity since there is no rigid restriction over the withdrawal of the FD. You can easily break the deposit to raise cash for urgent or unplanned needs. You may be asked to pay a penalty over early withdrawal or lose the full interest, but an FD still gives you the scope for liquidity when you need money during emergencies.
  7. Scope for multiple gains: Any individual has the liberty to open more than one fixed deposit, at any given time. There is no limitation over the amount of FDs you own. The higher the number, the more you will gain financially.

So, stop waiting and instantly start your investment in FDs with Bajaj Finance . You can gain from attractive interest rates and also use the FD calculator to forecast your returns.

Calculate FD Maturity Amount Invest in FD Check FD Interest Rate