What is a Fixed Deposit

What is a Fixed Deposit and How Can It Help Your Life?

A Fixed Deposit (FD) is an investment instrument through which an individual can deposit a certain amount for a specific period of time. The bank or financial company would pay interest on the amount deposited.

fd apply

The Fixed Deposit definition given above is appropriate for all kinds of FDs offered by banks and other institutions. The FD has traditionally been a favoured instrument of savings in India. However, in recent years, other options like investing in the stock market and real estate have become more popular among younger generations since they offer the potential for higher capital appreciation. However, Fixed Deposit still remains an attractive method of saving funds. Questions you might have about opening a Fixed Deposit

A Few Things to Know About Fixed Deposits:

  • Fixed deposits are safe because they are regulated by guidelines set by the Reserve Bank of India.
  • An FD earns a higher rate of interest than an ordinary savings account.
  • Fixed deposit rates of interest are generally defined at the time of opening the account. Look at the Fixed Deposit interest rates offered by Bajaj Finserv to get an idea of how much a good FD can earn you.
  • You can deposit an amount into the FD only once—when you open the account.
  • Interest is paid out on a quarterly basis, but the depositor can choose to be paid monthly. This interest, by default, is credited to a linked savings account.
  • When you open a Fixed Deposit, you are given an FD Receipt which you have to keep safe and produce at the time of maturity to redeem your deposit amount.
  • Fixed Deposits have to remain in the account for the tenure period to provide maximum benefit.
  • If you redeem your FD before the full term, you might be charged a penalty fee.
  • Senior citizens generally earn a higher rate of interest on FDs.
  • The interest on an FD is considered income. If the interest amount per annum exceeds a defined limit, it is taxable.
  • TDS can be activated on the interest amounts if applicable. The TDS is 10% of the interest amount.
  • The full tax on interest that the individual has to pay is defined by the tax slab they are in. So, if you are in the 30% tax slab, besides the 10% TDS on the interest, you will have to pay an additional 20% during your final tax assessment. You can also use an FD calculator to help save tax deducted at source by splitting your FDs over different financial institutions.
  • You can earn more on a Fixed Deposit by choosing to reinvest the interest paid out. This results in compound interest as the total deposit amount increases with each additional deposit of the interest amount.

Eligibility Documents Required for Fixed Deposits Account:

Any individual, business, or institution can open a Fixed Deposit. To open a Fixed Deposit, you have to furnish proof of identity, and proof of address. The document you present to verify the information might include PAN Card, Passport, Voter ID, Driving License, and/or Utility Bills.

Also Read: Documents Required and Eligibility Criteria For Starting a Fixed Deposit

FD Calculator:

There are plenty of FD calculator available in the market which help you determine the returns you get. Basically, a typical FD calculator requires 4 different parameters to give you a result. They are amount, rate of interest, FD period, and compounding frequency. All you’d have to do is type in the details you have to get all the details you will ever need.

Types of Fixed Deposits:

In India, there are different types of Fixed Deposit options, allowing you to choose the one that fits your needs best.

Regular FD:

This FD that has a set interest rate, and requires you to deposit the amount for a definite tenure. This can range from 7 days to 10 years.

Special FD:

This kind of FD is deposited for a specific number of days. The bank or NBFC offers a defined tenure like 333 days or 555 days. This earns a slightly higher rate of interest than the Regular FD.

Tax Saving FD:

This kind of Fixed Deposit lets you use the FD as a tax-saving instrument. Deposit amounts of up to INR 1,50,000 are exempt from income tax, but there is a lock-in period of five years on the deposit.

Floating FD:

This allows for a flexible rate of interest, which is adjusted based on the market rate.

Also Read: Fixed Deposit Tenures and Types

A Fixed Deposit is a safe and convenient way to invest your money and earn interest on it. Apply for a Fixed Deposit with Bajaj Finserv, as they offer attractive interest rates and other features.

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Personal Loan Offers

Win Incredible Offers on A Personal Loan From Bajaj Finserv

A Personal Loan doesn’t come with a specific set of guidelines for you to spend on. You can spend it on just about anything and everything you need. So grab this amazing limited time offer. All you need to do is log onto Bajaj Finserv website, apply online for a Personal Loan, and you stand a chance to win some fantastic prizes right now!

Personal Loans Made Easy

Gone are the days when you had to apply for a Personal Loan and wait for weeks to get any updates on your application. Things are much simpler now, all you need to do is have your relevant documents ready, fill out a form, and walk away with a loan of INR 25 lakh through the instant approvals offered by Bajaj Finserv.

Personal Loans offered by Bajaj Finserv come with a string of interesting and unbeatable features like part-prepayment facility and instant approvals.

Here’s a look at the flash sale being organised by Bajaj Finserv:

Win Big with Bajaj Finserv

This Flash Sale organised by Bajaj Finserv gives you an unbeatable opportunity to win some big prizes. Here’s what’s in store for you when you make this Personal Loan deal yours.

  • An assured Gift Card worth INR 7000 for every loan between INR 5 lakh to INR 6.99 lakh.
  • Win a Sony Smartwatch SW2 Digital Dial Unisex Watch worth INR 8650 if your loan amount is greater than INR 7 lakh.

Simply brilliant, isn’t it? After all, who offers a free smartwatch on a Personal Loan? Remember, in order for you to win these cool gifts you need to have your loan amount disbursed on or before the 3rd of August.

This magnificent one-day sale will be held on the 30th of July from 12:00 am to 11:59 pm. So what are you waiting for? Visit the Bajaj Finserv website right away to get assured gifts on your Personal Loan.

Don’t Miss this Golden Deal

Don’t want to miss out on winning a swanky new Sony smartwatch or a gift voucher? Then the first thing you need to do is giddy up and apply for a loan to make your life easier and yes, win some pretty sweet prizes in the process.

Apply for Personal Loan Check your Loan Eligibility Calculate Your EMI

What happens after personal loan disbursal

How does the Disbursal Process Works for a Personal Loan?

Personal Loans are more in demand than they ever were. Thousands of earning individuals use Personal Loans for a number of requirements, as they are convenient, fast, and simple. Many borrowers apply to organization such as Bajaj Finserv where you can apply for Personal Loan online. The loan provider never asks too many questions and you can avail a Personal Loan from the comfort of your home. There is still confusion among many borrowers on what happens after Personal Loan disbursal. This is what you’re going to read now.

How You Get Your Money

The Personal Loan disbursement time is usually under 24 hours of your application. When you’ve applied for a Personal Loan, banks tend to provide a cheque or a demand draft that you will either collect physically from the branch or will be couriered to you. Sometimes the money can also be transferred to your nominal account through NEFT (National Electronic Funds Transfer).

The Disbursed Amount

The actual amount of money that is disbursed varies according to your loan agreements. The amount will depend on the kind of loan you apply for and has been approved, the processing fee deduction, any upfront instalment that you have agreed to making, and service tax. You can apply for a Flexi Loan from financial organizations such as Bajaj Finserv that allow you to prepay with idle funds. In case of a top up Personal Loan, the amount of money that is disbursed will be larger than the money that was calculated for the existing loan.

Bank Confirmation

After you have received your funds, your lender will send you a confirmation email stating that your loan was a success. The lender will also give you an account of your personal eligibility and documents with a welcome kit. Along with this you will also receive details regarding the loan agreement, a timetable that shows you when your EMIs are due, the Personal Loan interest rates, the loan tenure, and the total amount disbursed in the welcome kit. It also contains an amortization table that will keep track of your principal to interest rate ratio for your EMIs.

Launching Repayments

When you apply for your loan, you should discuss the mode of repayment with the bank. So once you get your cash, you could start repaying the bank through either post-dated cheques or Electronic Clearing Service (ECS). In case you already have an account with the bank you have received a loan from, then you will get standing instructions for periodic auto debt that will make your repayments much easier.

Also Read : A Handy Guide to Personal Loans

If you’ve applied to another bank, they will only accept your repayments from your salary account and no other. If your amount disbursement is made before the 20th of a month, then you will pay your EMI starting from the very next month. In case the disbursement is made after the 20th, then you will start paying your dues the month after the next month.

Change of Account

You need not inform the bank if you change your job, but it is crucial to immediately inform the bank if you change your salary account from which you pay your EMIs. The source of your payment will be switched to your new account so that you could continue repaying the bank without a hiccup. You can always continue using the old salary account if you please, provided it has sufficient funds constantly. In case you do not have sufficient fund and your ECS or check bounces, then the bank will penalise you. So you should be careful of that.

Transfer of Loan

You can easily switch your loan from your current lending organisation to another lender. You must notify the bank when you want to, but know that you will be charged a penalty when you do so. You could transfer to Non-Banking Financial Companies like Bajaj Finserv that accept loan transfers.

This is the basic flow of events after you have applied for a Personal Loan online or in person. It is important that you’re acquainted with this procedure as it will make the process significantly easier for you.

Apply for Personal Loan Check your Loan Eligibility Calculate Your EMI

Consequences of Defaulting on a Home Loan

4 Consequences You Face After Defaulting on a Home Loan Payment

For most people, buying a home is one of the most expensive purchases they will make in their lifetime. At times, the house you desire may be out of your budget or financial reach. Applying for a Home Loan is the best possible solution in such situations. But, there are certain things you should know about Home Loans before applying for one.

Imagine a situation when you have availed a Home Loan, and before you could finish paying up all the EMIs, you fall into a financial crisis. Is taking the risk of defaulting on a Home Loan repayment, a way to fix your present economic crunch? ‘No’ is the certain answer.

Defaulting on a Home Loan can be devastating for more than one reason. Firstly, you will lose the home that you worked so hard to pay for. Besides this, your credit score takes a huge hit, making it hard for you to secure a Home Loan again in the future. The Home Loan default rate in India is relatively low, compared to other types of loans, since they’re usually taken out by salaried individuals who can keep up with the EMI payments.

If faced with such a situation, you could ask the bank for an alternative, which could go easier on your finances like prepayment of Home Loans, rescheduling your debt, restructuring the loan, or making any other default Home Loan modifications. Instead, if you are planning to take this risk, here are four possible consequences you might have to face:

Four Possible Consequences of Defaulting on a Home Loan

Issuance of Notice

Even if paying EMIs seems like an easy task, there are certain probabilities you have to take into account before you commit to a Home Loan scheme. At some point, you might find yourself unable to repay your Home Loan EMI. You have to anticipate certain unfortunate developments that could come your way, like job termination, a death in the family, a medical emergency, or a business failure, which might exhaust your resources.

If you fail to make a payment, the lender would send you a notice, reminding you of the payment. According to the guidelines set by RBI, the loan should be classified as Non-Performing Assets or NPA if the lender has to send a notice to the borrower. Once you receive the notice, you have to settle the account or regularise your payments within 60 days.

Physical Possession of the Mortgaged Property

If you default on paying your EMIs for more than six months, banks have the authority to enforce the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002, (SARFAESI). Under this act, the lenders are given the power to recover non-performing mortgaged properties, without any intervention from the court. However, most lenders prefer negotiation, as confiscating a mortgaged property is a long-drawn-out and cumbersome process.

Auctioning of the Mortgaged Property

In general, a bank waits for three months to declare the asset as a non-performing asset. After this period, the bank can go forward with procedures to recover the property, under the SARFAESI Act. The bank, 30 days after taking possession of the property, announces the date it will be auctioned off, and sends you a letter informing you about the date and venue of the sale. You can also utilise this period to settle the account to prevent the auction. If you are looking for a smart Home Loan option, opt for Bajaj Finserv that offers nil foreclosure charges and part-prepayment facilities

Refunding of Dues

Once the auction is complete, and if the auction generates any excess, the lender would refund the extra amount to you.

Below are a Few Things that You Can do to Save Yourself From being a Defaulter

Communicate with Your Lender

Financial institutions in the present times are more empathetic to your plight than you think they are. If you can arrange for a proper one-on-one meeting with your lender, there is a high chance that they will listen to you and understand your situation. Maintaining a good track record with your earlier payments can go a long way in this regard, because ultimately, a bank wouldn’t want to lose a valuable customer and hence will be willing to reschedule your repayments to a time when your situation gets better.

Maintain a Savings Account

Have a savings account especially dedicated to unsavoury situations. Make a habit of budgeting your finances and add the remaining amount to a separate bank account. Make sure only to access this account in the direst of circumstances. Several NBFCs like Bajaj Finserv offer good policy terms with a maturity benefit plan.

Reschedule the Loan Tenure

If you have lost your job recently due to cost-cutting measures, you can ask the bank to reschedule your loan repayments. Again, this depends on your rapport with the lender. Making timely payments is one way to keep yourself in your lender’s good books. To successfully reschedule your loan tenure, you need to address your bank manager and be forthcoming with them, while negotiating an extension of your loan term.

Reach a Settlement

Settling a loan works best when you have almost reached the end of your repayment schedule. What you need to do is raise financial capital (perhaps from friends and family) and quickly foreclose your loan. This may include a small monetary penalty, but could help you avoid an uncomfortable situation while cutting down on the total interest owed to the lender.

Switch to a Different Lender

You may not know this but you can actually transfer your debt to a different bank. This can help you because sometimes the bank you have borrowed the loan from may have a higher rate of interest than its counterparts. You can switch up for a very small amount of money, and acquire much more relaxed loan terms. For instance, financiers like Bajaj Finserv offer easy Home Loans with instant approval schemes.

In conclusion, defaulting on your Home Loan would only have a negative impact on your finances. It could also lead to you losing out on your house, for which you might have worked really hard. Apply for a Home Loan only after having a clear understanding of your finances. You could use a emi calculator for Home Loan to plan your finances better.

Calculate your Home Loan Savings     Apply for Home Loan Balance Transfer

Current scope of Indian loan sector: Things you should know

The ever expanding financial sector has revolutionised the way banks operate. Gone are the days when your application for loans in India across public sector banks were completely dissected, only to leave you empty handed when you were in dire need of financial reinforcements.

Fast forward to the present, you can see a stark contrast in how loans are allocated. The trend has changed for the better, thanks to the contributions of various key factors. Here are a few steps that brought about this new-found zeal and overhaul in the Indian loan sector.

  1. Use of Technology

    Nowadays, every bank you hear about offers a multitude of services through their online banking mechanisms. The regulations have changed, giving you access to everything you need at the click of a button, right from the eligibility criteria and documents required to the approval of your loans online and the exact date of disbursement. The same wasn’t the situation a decade ago. You’d have had to endure a dozen trips to the general manager’s cabin with no surety of the approval of your loan. At present things have changed and several financial service providers, like Bajaj Finserv, allow for online home loans in India, which they will disburse within a week’s time.

  2. Institutionalising Credit Rating System

    Credit Information Bureau India Limited or, simply put, CIBIL is the country’s first credit information company, which collects and maintains loan records and credit card details of an individual’s payment from member organisations on a monthly basis. This makes way for Credit Information Report (CIR) which is in turn used by lending institutions to determine whether an applicant’s maintained credit score is enough to sustain a loan repayment.

  3. Base Rate System

    Base Rate system, in general terms, implies that no lending institution can provide loans below a certain interest rate to gain an unfair advantage over their competitors. This system has brought about a transparency level as the lending agencies need to disclose their base interest rate to their consumers. It also was able to tackle the complaints of underselling tactics that was seen with the Benchmark Prime Lending Rate (BPLR) scale. Read More On : Different Types Of Loan In India

  4. Renewed Perspectives

    Earlier when private entities were setting up shops and surveying the market, prospective borrowers had to resort to public banks, who’d drag the loaning process for longer durations than necessary, leaving the borrower frustrated. Now the perspectives of the lending institutions have changed, and this has changed their attitudes towards their clients. Take for instance lenders like Bajaj Finserv, who provide personal loans in India or any other loans for that matter, with instant approval schemes.

These aforementioned changes to the banking sector have resulted in the effective system that we witness in the market right now.

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How interest rate cuts can improve your financial standing

In May 2015, the Reserve Bank of India had decreased the rate at which it lends to commercial banks by 0.25%. Interest rate cuts are made to regulate the amount of money available in the economy. Central banks like the RBI are allowed to buy and sell government-backed securities as a part of the rate control. Interest rate cuts also help to stimulate economic growth and help reduce inflationary pressure. This interest rate cut in India was long expected but stock market rates dropped. This also indicated that there might not be another interest rate cut for a while as the monetary policy will not be able to take a blow from inflationary pressure.

What is an Interest Rate Cut?

The RBI can make interest rate cuts due to inflationary pressure, government loans, or global economic conditions. When a rate cut happens, money is lent to commercial banks at reduced rates and technically, that benefit should be passed on to the consumer. But, a rate cut made by the central bank does not mean that commercial banks are bound to do the same. In fact, banks are allowed to make their own deposit and loan rates within a certain limit. So if you are getting a loan of any kind then you could feasibly try and negotiate cheaper interest rates. This is especially useful when dealing with long-tenure home loan interest rates. Several financial service providers and banks like Bajaj Finserv offer loans on lower interest rates and allow you to apply online for Home Loans effortlessly.

The Best Time for Homeowners and Home Loan Borrowers

For those of you who are paying off loans and are wondering if there will be an interest rate cut on home loans then you will be pleased to hear that if you have an existing home loan on a floating rate of interest, you will benefit from the interest cut. Most floating interest rates average at 10.4 to 10.9 percent per annum and the rate cut will likely bring those numbers down. If there is a large enough rate cut you could ask your loan provider to lower your EMI spending or to reduce your home loan tenure.

If you do not have a floating interest rate, you could ask your lender to flatly lower your interest rates. If you find that your current lender is not amenable to your requests, you could always refinance your loan and move to a bank that provides a more beneficial offer. Try taking loans from flexible and competitive organisations like Bajaj Finserv, who offer one of the lowest home loan interest rates at 9.85%.

Remember, this applies to pretty much every kind of loan out there. If you are taking a new home loan, this is the best time to get one as the rates will be much lower than usual and will help you financially.

Dump Your Debt

If you have expensive debts to pay, the period during an interest rate cut is the perfect time to close them and raise your credit score. Pay attention to your credit cards, as they usually demand the highest rate of interest. After the interest rate cut was announced by the central bank, credit card interest rates automatically decreased as well. If your credit card provider takes a while to enforce the interest rate cut, you could move to providers who offer better services. You could even try and apply for an Existing Member Identification (EMI) card. This card allows you to buy lifestyle products and pay for them on a monthly basis. Many financial service providers, like Bajaj Finserv, offer EMI Cards that can be obtained at attractive rates.

Even though a rate cut encourages people to spend, we would advise you to save by making an investment or getting a loan. An interest rate cut might not happen again for a while so it is best to maximise your gain while lending rates are low.

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Understanding adverse credit history and its impact on your loan

In spite of a bad credit score, there are ways to build your business with loans. We discuss various options.

A bad credit score is not necessarily the worst to happen to your business. Understand that there are ways to amend your credit score as time progresses. In fact, as a business owner you need to determine what your credit score is. You can do this by getting your personal credit report from a lender. Do not assume that because your business loan application was rejected, your business has a bad credit score. There are many reasons that a lender may have rejected your loan application, which have nothing to do with your credit score. Once your credit rating is established, know that there are funding options for bad credit risks. Whether you need a small business loan or a line of credit we talk you though the various options available to you in spite of a bad credit score.  

  1. Understand bad credit score

First, understand the bad credit score with an open mind. Does the business have a bad credit score or does the owner have bad credit? In case it is the business that has a bad credit score, as a business owner you can borrow from the bank or a non banking financial institution in your name and fund the business. For this to work the business needs to be a separate entity from the business owner. In case the business is financially an extension of the owner, the credit scores will be related, which may pose a problem. In case your business is new, a well-formulated business plan may get you the business loan you need to grow your business.

  1. Borrow against existing inventory or deposits or against collateral

As a business you probably maintain inventory. You can borrow against the existing inventory and repay from the increase in sales. The other option is to borrow against previous profits that may be stored as deposits in the bank. In both these options, the business uses its own assets to raise more capital to grow. Additionally as the business repays the debt on time the credit score improves. Taking a business loan against assets or collateral is another option in case of a bad credit score.       

  1. Friends and family

The next best option is to look for friends and family who believe in your business, who can advance a loan to you irrespective of your credit score with an assurance that the money will be repaid within the stipulated period of time. This option comes with its own risks so make sure that you draft an agreement to protect yourself and your business.

  1. Credit Card

In spite of a bad credit score it is possible to get a business credit card. This can be used for immediate cash requirements to purchase essential inventory. Keep in mind though that the interest here will be higher when the entire amount is not paid in the next bill cycle. Further, a good credit card repayment history will help to better your credit score as well.

  1. Short-term business loans

Taking small loans from banks or non banking financial institutions and repaying them on time or before time is a great way to walk back into a good credit score as well as enabling the business to have some excess capital to fund growth.

A bad credit score can cause a slump in your business; however, there are easy options to ensure your business has access to capital when it is required. Find out about Bajaj Finserv’s business loan option and see if it is the right way to infuse your business with funds. The added advantage of a business loan from Bajaj Finserv is that you only have to pay interest on the amount of loan being used by your business rather than the whole amount, thus putting less stress on your repayment. Find out more here:

Understanding Loan Parameters to Get a Better Deal

There are a number of loan options available to the public today. Everyday a new kind of loan is introduced in the market by rival financial institutions in order to attract new customers. Choosing the loan that is best suited to you and your requirements can be difficult and confusing, and that’s why understanding your loan parameters becomes a priority.

What are Loan Parameters?

So what is a loan parameter? It is the factor that is used by lenders to determine whether or not they should provide a loan to a borrower. These parameters might include a good credit score, the interest rates that you can manage and the EMI you can handle. Loans parameters differ according to loan types; for example doctor loan parameters need the borrower to have medical credentials and sufficient practitioner experience, whereas home loan parameters include having a steady, recurring income.

What You Should Do Before You Apply for a Loan?

Before you apply for a loan, be it a home loan, automobile loan, or personal loan, it is important for you to know the amount that you need, the interest rate, and the processing fee. If you want to make a prepayment on your loan, it is necessary to work out your loan agreement to know the amount you need to pay and the regularity of the payment.

You can use online calculators that will work out the pattern of your loan payments depending on the loan parameters. These calculators will show accurate details of the amortisation table, the timelines of your repayments, and total interest. Using these resources will most definitely help you with making smarter decisions and understanding loan parameters in a better way.

Loan Parameters

Below is a list of different factors that influence the loan you choose to take. Here you will learn the functionality of each parameter and how they affect your loan payment.

EMI

EMI stands for Equated Monthly Instalment. It refers to the money that you intend to pay every month until the loan is completely paid. If you’ve taken a fixed interest loan, the EMI will remain the same throughout your loan tenure. EMIs could vary, if you’ve opted for a loan with a floating interest rate.

Ratio of Interest and Principal Rates

Even though the EMI is a constant payment throughout your loan tenure, the interest rate and principal amount are not paid in a 50-50 ratio. Your loan provider gives you an amortisation table that will help you see how the interest and principal rates contribute to your EMI. In the initial years of paying your loan, the ratio between interest and principal can be quite skewed, but as time goes by, the principal amount gets higher and higher, peaking toward the end of the loan tenure. Non-banking financial companies like Bajaj Finserv provide special offers on your EMI payments, making repayments less of a drain on your resources.

What is a loan tenure?

The time taken to repay the loan amount in full is a loan tenure. The tenure can be changed according to market conditions. It can increase in case of an interest rate cut or periodic rate revision. The loan tenure for home loan and business loan parameters is usually long-term and for personal loan parameters it is short term.

How Does Interest Work in Loan Payments?

Here’s a well-known phenomenon: the longer your loan tenure, the higher the rate of interest. This happens because every time you prepay, the prepaid amount gets deducted from your principal amount. So even by paying small amounts at regular intervals, you can reduce your repayment tenure drastically. This also decreases your total interest component in the loan. You can apply for loans from financial institutions like Bajaj Finserv who offer home loan interest rates starting from 9.75%.

These loan parameters generally apply to a vast array of loans. The comparison parameters for personal loans are generated with all the factors above and include criteria based on whether the borrower is self-employed or salaried. This eligibility for personal loans differs slightly from bank to bank. The eligibility for home loans largely depends upon your score from the Credit Information Bureau (India) Limited (CIBIL) and whether or not you have a satisfactory flow of income.

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