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doctor-loan

On This World Health Day Apply for A Doctor Loan and Win an Assured Lenovo Tab

A Doctor Loan from Bajaj Finserv will help you expand your scale of operations, buy medical equipment or take care of other professional needs with multiple benefits in store. We have specially tailored the doctor loan to meet the needs of practicing doctors/consultants affiliated to private/government clinics and hospitals.

As a special offer on the World Health day, there is an exciting offer running on this loan. If you apply for a Doctor Loan from Bajaj Finserv between 7th to 17th April, 2017

This special loan for doctors is one of its kind in the market. Moreover, we have got an exciting offer running on this kind of loan. If you apply for a Doctor Loan with loan upto Rs. 30 Lakh from Bajaj Finserv between 7th to 17th April, 2017, you will win an assured Lenovo tab.

Here’s presenting a comprehensive guide towards everything you need to know before applying for a Doctor’s Loan:

Take A Doctor Loan from Bajaj Finserv and Get a Lenovo Tab Free:

If you are a doctor and if you decide to take a Doctor Loan from us before the 17th of April, 2017, there is some good news in store for you. You can get an assured Lenovo tab free of cost with your Doctor Loan. This offer is valid between the 7th and 17th of April. This makes it a good time to take a Doctor Loan for meeting your professional needs.

Wondering why you should take a Doctor Loan?

You can take a doctor loan for clinic expansion or even to purchase your medical equipment.

However, there are several questions that you may have about doctor loan eligibility, terms and conditions and other aspects. Here is everything that you need to know before applying.

 What is the loan amount and tenure of a Doctor Loan from Bajaj Finserv?

Most people usually wonder about the maximum loan amount that can be applied for and also the maximum and minimum loan tenures. The Bajaj Finserv’s Doctor Loan can be availed up to a maximum amount of Rs.30 lakh and the minimum tenure is 12 months.

The maximum tenure goes up to 60 months. If you were thinking about the interest rate, it is a fixed interest rate that you get with your doctor loan and you can also repay it through ECS or post dated cheques.

How to Apply for A Doctor Loan?

If you were wondering about the application procedure to avail a Doctor Loan, here’s your answer:

  • You can apply online through our online application form. Just fill in your details and get a loan approval in few minutes. Click here to apply now.
  • You can send an SMS with the text ‘DOL’ to 9773633633 and a Bajaj Finserv representative will get in touch with you.
  • Or simply apply for a Doctor Loan by writing to us at doctorloan@bajajfinserv.in 

You can avail of Doctor Loans in almost all major tier I and II cities in the country. For the complete list you can click here.

Eligibility & Documentation Required:

Either you have to be a post graduate doctor (MD/MS/DM/MDS/MCH) with a minimum of 5 years in post qualification experience or a graduate doctor (MBBS/BDS) with a minimum of 8 years in post qualification experience to apply for a Doctor Loan from Bajaj Finserv.

Also, you have to possess your own house/parental house or clinic in a location where Bajaj Finserv is present and your gross monthly salary has to be Rs.75,000 if you live in a Tier-1 city and Rs.40,000 if you live in a Tier-2 city.

Other requirements include latest salary credit bank statements for the last 3 months and Form 16 for the last 2 years with the latest three pay slips. You are also required to provide your educational qualification certificates along with documents pertaining to proof of address and proof of identity. A proof of your own residential or office property is mandatory. If there is a co-applicant, then he/she will have to provide identity and address proof documents in addition to relationship proof documents.

Take A Doctor Loan from Bajaj Finserv and Reap the Benefits:

Your Doctor Loan will help you scale up your operations, buy new equipment and take care of all other professional needs that crop up from time to time. You can now benefit by getting a Doctor Loan between 7th to 17th April, 2017 and win an assured Lenovo tab absolutely free of cost with your loan. Now is the best time to apply for a Doctor Loan from Bajaj Finserv!

<Click here to Apply for Doctor Loan>

Can your CIBIL score impact your personal loan interest rate

Can Your CIBIL Score Impact Your Personal Loan Interest Rate?

 

Personal Loan interest rates have a big impact on the cost you pay for borrowing money in the form of a Personal Loan. Your Personal Loan payments are made up of the principal (what you borrow) and the interest. If you opt for a Personal Loan with a low interest rate, there is less interest added to your EMI payment, which makes it easier for you to pay. It also means that you end up paying less money to the lender who's loaned you money. Lenders don’t set Personal Loan interest rates arbitrarily. Rather, it is your CIBIL Score that serves as a measure of your creditworthiness, and which lenders refer to before setting your Personal Loan rate of interest.

  1. What the CIBIL score represents

If you are applying for a Personal Loan, a high CIBIL score is best because it demonstrates that have handled credit well in the past and also that you are likely to repay new credit on time. If you have a low CIBIL score, it indicates that you have defaulted on loan repayments in the past and that you may not make monthly payments on time if you are given a new loan. Lender set the Personal Loan interest rates based on the risk you pose as a borrower. If a lender feels you pose a higher credit risk, your Personal Loan interest rate will be higher. On the other hand, if you pose a low credit risk thanks to a high CIBIL score, you will typically qualify for a lower Personal Loan interest rate.

  1. What role does your CIBIL score play in the Personal Loan process?

As a credit bureau, CIBIL collects, maintains, and provides individual credit information in the form of a credit report. It gets details of all your credit-related activity on a monthly basis from various creditors, such as banks, credit card companies and non-banking financial companies. This includes information on the type of loan you have opted for, the date you opened the loan account, your loan amount or credit limit, balance outstanding and your payment history (including any late or missed payments). Your credit score is calculated based on this information with the help of a complex mathematical formula. The CIBIL score reflects your past credit behaviour and helps potential lenders gauge your credit health.

 

Also Read : How Much CIBIL Score is Required to Get a Personal Loan

  1. Your CIBIL score and Personal Loan interest rates

Personal Loan lenders never advertise what CIBIL score will give you a specific Personal Loan interest rate. That won’t be determined until you actually apply for Personal Loan.

If your CIBIL score is:

  • 750 or higher: You qualify for the best Personal Loan interest rates from most lenders
  • Under 750: It is harder for you to get a Personal Loan
  • Under 600: You will not qualify for a Personal Loan

Your credit score will tend to be high if you have a good track record of making your loan repayments in time and in full. If you have been defaulting on EMI payments or using excessive credit, this will affect your credit score negatively.

Here is an infographic showing what is a good CIBIL score:

what-is-a-good-cibil-score

  1. What is the minimum CIBIL score required for Personal Loan approval?

Your credit score ranges from 300 to 900. The higher your credit score, the better are your chances of being approved for a Personal Loan. Lenders generally require a credit score of at least 750 before deciding whether to go ahead with processing your Personal Loan application.

  1. When your CIBIL score results in a bad Personal Loan interest rate

Address the things in your credit history that are adversely affecting your CIBIL score. Start by requesting CIBIL for a copy of your credit report. Look for errors such as loans that you have repaid but which are not reflected on your credit history. In case of discrepancies, have them rectified. Pay down balances on existing loans. Try not to apply for new credit. And remember how much your CIBIL score can affect Personal Loan interest rates.

Bajaj Finserv offers Personal Loans in India up to Rs.25 lakh. The affordable Personal Loan interest rates and flexible tenure options can help you cover unexpected costs without dipping into your savings.

Here are the factors that influence Personal Loan interest rates:

  1. Your salary
  • The lower your income, the higher your Personal Loan interest rate
  • A high income allows you to pay off your debt easily and gives you the power to negotiate with lenders
  1. Your credit score and history
  • These are a reflection of your past loan repayment behaviour
  • A low score and a history with missed payments or defaults cause lenders to reject your application or charge a higher Personal Loan interest rate
  1. The reputation of your company
  • The more renowned and stable the organization you work with, the lower the Personal Loan interest rate
  • Lenders perceive employees of reputed companies to have stable jobs, which increases their capability to repay debt
  1. Your relationship with a lender
  • As a loyal customer, interpersonal relationship with a lender may fetch you lower Personal Loan interest rates
  • You have the advantage since your lender would not want to lose out on an old customer
  1. Nature of employment
  • If you are a business owner, most lenders will give you a Personal Loan even if you are at an advanced age
  • If you are a salaried employee, you may not get a Personal Loan when nearing the age of retirement

If your CIBIL score is low and you want to improve your score, here are a few tips to do so:

simple-steps-to-improve-your-cibil-score

Read the Blog: How to Improve CIBIL Score.

Apply for a Personal Loan from Bajaj Finserv

A good CIBIL score can get you a loan of your choice. Bajaj Finserv offers Personal Loans of up to Rs.25 lakh, without any collaterals. Apart from attractive interest rates and easy tenures, you can also avail benefits such as instant loan approval, fast disbursement and online account access.

Apply for Personal Loan Online     Check your Personal Loan Eligibility

World Health Day

On this World Health Day, let’s talk about depression

 World Health Day: Let’s talk about Depression:

Depression has been leading news headlines and social media conversations recently. Arjun Bhardwaj, a 24-year-old student, jumped from the 19th floor of Taj Land’s End, Mumbai. He was battling depression.

Yet depression has been widely misunderstood compared to all other mental health issues. This is despite the fact that it’s wide-spread amongst the population. It has affected as many as 3 crore lives, accordingly the World Health Organisation (WHO).

And it’s increasing too. There has been an 18% rise in the number of diagnoses since 2005. So, to raise awareness about the crippling disease, WHO, the specialised arm of the United Nations, decided to focus on depression as part of its annual ‘World Health Day’ celebration. Every year on the 7th of April, the WHO focuses on raising awareness about a disease and extend help to people suffering from the illness.

Depression – A serious mental illness:

WHO believes that depression is the leading cause of illnesses worldwide. It established links between depression and other non-communicable diseases. Depressed people are more prone to diseases such heart problems, diabetes, etc. Also, people with such diseases are more like to fall into depression.

It’s not just that. This severe mental illness can also lead to suicide. WHO reports state that there are around 8 lakh cases of suicides every year. In fact, suicide is the second leading cause of death among teenagers and young adults.

What triggers depression:

There are several factors that can take an individual closer to the black hole that is depression. Abuse can be one of the causes. Physical or emotional abuse often disrupt the mental balance, leading to mental abuse. They can leave a person peace-deprived. This can lead to depression.

Depression can also be attributed to the use of certain drugs. Serious medical issues too make a person more vulnerable to depression.

Family and friends can also play a significant role in this saddening illness. A death of a loved one can push a person towards this illness. Similarly, ill behaviour of a loved one can push a person towards depression too.

Doctors and scientists are also suggesting that depression could be a genetic disorder. It could run in the family.

Let’s talk:

The occurrence of depression is not instantaneous. It is an outcome of a series of emotions and feelings. The more a person suppresses such feelings, the bigger hole he or she may dig for themselves.

Communication is key to tackle depression. If you feel like you suffer from depression, then please do talk! Speak to friends, family, or maybe even colleagues. Alternatively, talk to your diary. Vent it out. Be vocal about your problems. This will discourage the piling on of emotions.

It is okay if you cannot share your problems with a friend or a family member. There are several out there waiting to help you. You can consult a physician. Several clinics and hospitals have a separate helpline number. Your aid is just a call away.

Art is also said to help those with mental illnesses. So you can resort to creative means like writing, painting, music therapies, etc to help yourself out.

A last word:

Depression does not just affect one individual. It has the potential to tear apart families and relationships. So if you see your loved one suffering, do reach out. Don’t shame people into snapping out of depression. It’s a serious illness that requires professional help.

Happy World Health Day!

To apply for a Doctor loan from Bajaj Finserv, simply click here.

How to set up a path lab or diagnostic centre

How to Set Up a Path Lab or Diagnostic Centre

You must have noticed a rise in the number of pathological labs in recent years. From the small towns to the cities, diagnostic centres have mushroomed everywhere. Healthcare has become more commercial and the buying power of the common man has gone up too. So, there has been a boom in the path lab sector. Many people are investing in diagnostic labs. If you intend to explore opportunities, you may want to read pointers below:

Things You Need for Setting Up a Medical Laboratory:

  1. Ideal Place: First, identify a property for starting a laboratory business. It should be a large space in a prime locality. It should be accessible to everyone. That would include the sick and the elderly. So, make sure your facility has ramps and elevators. The space should be able to house the diagnostic machines and the scanners. It should also be large enough to hold various departments.
  2. Committed Employees: You cannot run a diagnostics laboratory without good doctors, nurses, technicians, and office staff. So, be careful when you hire them. A doctor with an MD degree in radiology must head the clinical team. The other staff members must also be competent, qualified, and experienced. They should be able to handle the patients as well as the work stress. There is no room for human errors in a medical business. So, your team must be competent enough to rule out such possibilities.
  3. Secure Financing: You need a good funds source for starting your own lab . That could be a business loan for doctors or your savings. But the investment would be quite big. Buying or renting the location will cost a lot of money. Then comes buying the costly CT scanners, X-ray machines, and the like. This apart, you will also need to have a working capital. You have to pay the salaries, too. So, make sure you can afford all these. Only then can you successfully start and run a medical laboratory .
  4. Legal Registration: You must keep this part in mind while starting a research lab. You have to register your business and get a licence to run the place. You must renew the licence every year without fail. If there is any dispute with the registration or the licensing, your reputation may suffer beyond repair. It may even lead to the closure of the pathology lab.
  5. Standalone or franchise: Finally, do you want to start a standalone lab or take a franchise from an established brand? Both have their pros and cons. So, you must make an informed decision. For instance, if you open a franchise, you have to stick to a pre-fixed pricing pattern. You can only get the tests done from an existing list of options. If you open your own lab, you will have more freedom. But, it will take you longer to build the reputation.

In a nutshell

Setting up a laboratory could be an exciting business prospect. But, like all other businesses, here, too, you have to tread with caution. It is not difficult to run a clinical diagnostics laboratory. You job will become even simpler if you follow the guidelines. So, keep the above-mentioned points in mind, and get set to open your own path lab.

Apply for Doctor Loan Online Know More About Doctor Loan

How Does Inflation Affect a Business?

Ronald Reagan, former US president once said, inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hit man. An individual is aware about inflation when buying day-to-day consumption products. Companies consume a lot of goods and services too. In a highly competitive market, inflation can eat into profits. 

What Causes Inflation

There are two major causes of inflation: Demand-Pull inflation and Cost-Push inflation. Demand-Pull inflation simply means that market demands drive prices of goods and services. Cost-Push inflation, on the other hand, means an increase in price levels due to increase in input costs.

In either case, the underlying concept of inflation is simple—it erodes the value of your money. For example, you have Rs. 1,000 and you put it in FD with 10% interest. At the end of the year, you will have Rs. 1,100 with you, which sounds great. However, inflation in the economy represented by the consumer price inflation rate or CPI, is 11%. So, an item that cost Rs. 1,000 earlier will now cost Rs 1,110. However, you have just Rs 1,100 to buy the item. Thus, a higher inflation rate forces you to add money to buy goods.

How Companies Are Affected

From a business perspective, a high rate of inflation (ideally 3% or more) would imply an increase in the input costs. This raises a dilemma for the business owners:

  • Increase prices of the product and thereby pass the rising input costs to the consumers

or

  • Retain the product price and take a profit cut.

If they increase the product prices, companies may lose market share. This, in turn, would take a toll on the profit. Thus, one major impact of inflation would be an amplification of the effects of fierce competition. However, if companies absorb the high input cost and keep prices low for customers, they have to take a cut in profits. 

Inflation and The Economic Cycle

Effects of inflation will also include an impact on the sales volume. The consumers will be forced to buy fewer goods. This could create lower demand. Companies would then cut production and put a halt to any future expansion. This leads to a slowdown in the economic activity as more companies try to reduce production of goods and services.

We can say that a high inflation rate leads to a vicious cycle that hampers the business.

However, a benign inflation rate can work wonders for the business. Though there is no ideal inflation rate, an inflation rate just above 2% can cause an inflationary spiral. If you were a student of economics, you would be aware of the importance of a benign inflation rate.

In this case, the price of the product has increased. However, since it is still under check, the demand for the goods would also increase. The businesses would have to hire more or do salary increments to meet the increased demands. This would, in turn, lead to a revival of the economy that is hurt by a persistently high inflation rate.

Thus, inflation if kept under check, can contribute to the growth of the business.  

Apply for Business Loan

Fixed Deposit Interest Rates

Why Do Fixed Deposit Rates Fluctuate?

Yash Desai, a sales executive from Pune, wanted to lock his money in a fixed deposit. When he approached his bank, he was told the FD would be made at a rate of 7%. This was surprising because his friend had made a similar investment just a couple of months back at a rate of almost 9%.

Confused?

Yash asked the bank executive about the discrepancy and she explained that the RBI had decreased the repo rate recently, which resulted in a drop in the FD rates.

fd apply

There are many factors that contribute towards the fluctuations in FD rates. In this article, we explain the various reasons so that you get a better understanding of how the fixed deposits work. Take a look.

What is a Fixed Deposit?

To begin with, let us understand what a fixed deposit is. A fixed deposit is a financial scheme where you lock in a particular sum of money at a fixed rate of interest. You cannot withdraw the money before the term ends. The money fetches you interest. The fixed deposits are protected against any fluctuations in interest rates. Therefore, they are considered to be one of the safest investment tools.

How Do Fixed Deposits Work?

Banks and NBFCs are in the business of money.

You give them money through deposits. In return, the financial company promises to pay an interest. The rate of interest differs with the tenure of the deposit. The longer you promise to deposit the money, the higher the rate.

This is because it allows the financial company to use the money more easily. It lends this money. The borrower promises an interest on this loan. This rate is higher than the interest rate promised on the deposit.

Once the money is returned along with the due interest, the financial company pays the depositor his/her interest along with the principal amount.

The interest rate on the loan is higher than the interest on the deposit. This is where the financial company earns its money.

Additional Read : Loans Against Fixed Deposits – All You need to Know

So when the interest rate on the loan changes, the deposit interest rates too change.

Factors That Affect the Fixed Deposit Interest Rates

Now let us take a look at the factors that affect the FD interest rates.

  1. RBI repo rate: The Reserve Bank of India (RBI) lends money to all the other banks in the country. The rate at which the money is given is known as the repo rate. When the RBI repo rate is lower, the lenders have to reduce their loan interest rates. So, the FDs interest rate too falls.
  2. Credit demand: The demand and supply of the credit in the economy also plays a role here. When there is a high demand for credit, the financial companies usually increase the FD rates to get in more cash into their vaults. Similarly, when the credit demand is low, the FD rates are slashed.
  3. Economic standing: Another factor that affects the FD interest rates is the economic condition of the nation. During a poor economic phase, the RBI cuts interest rates to allow banks and NBFCs easy access to cash. This in turn lowers the interest rate in the markets, stimulating borrowing and demand. At such a time, FD rates rise to encourage depositors.
  4. Type of FD: The kind of fixed deposit you opt for will also determine the overall interest you earn. If you opt for a cumulative fixed deposit, you earn interest on your interest payments. This increases your overall return.

The bottom line:

FD’s are wonderful saving options but as the rates of interest do fluctuate over time. The key, therefore, is to keep investing over time.

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Bajaj Finance Slashes Minimum Fixed Deposit Amount to Rs. 25,000

Bajaj Finance, India’s top most NBFC, has announced a reduction in the minimum investment amount for Fixed Deposits from Rs.75,000 to Rs.25,000. In an intend to maximise the returns for its customers, Bajaj Finance will offer an annual cumulative interest rate of 8.05% for a tenor of 36-60 months on the reduced amount.

Taking into consideration the huge demand from the existing customers, the minimum investment amount in FD has been revised from Rs.75,000 (in Mumbai and Delhi) and Rs.50,000 (for the remaining parts of the country) to Rs.25,000 by Bajaj Finance.

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With this move, Bajaj Finance aims to double its deposit base rate to about Rs. 8,000 crore from Rs. 4,100 crore. The move also puts Bajaj Finance in the same bracket of Housing Development Finance Corporation in terms of minimum deposits.

Speaking to The Economic Times, Sachin Sikka, the company’s business head of Fixed Deposits, said: “We are excited to reduce the minimum investment size as an effort to exploit the opportunity as a retail deposit player.” He also added, “Our new offering will allow small depositors to earn higher returns through traditional and “triple A rated” savings product.

What is on offer?

Bajaj Finance already offers a higher Fixed Deposit Interest Rate as compared to leading banks. Bajaj Finance offers 7.8% interest on a one-year deposit as compared to 6.9% interest rate from State Bank of India on a similar maturity.

Senior citizens would get an additional 0.25% for deposits up to Rs 1 crore.

Bajaj Finance offers a maximum annual cumulative interest of 8.05% on its fixed deposits of a tenure of 36-60 months. This is higher than the average deposit rates available today.

The new minimum cap of Rs. 25,000 has come into effect from 3rd April, 2017.

The news has been making rounds in the media and was covered by Economic Times. Click here to read the full article.

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Why early 30s is the right age to invest_edited

Why Your Early 30s Is the Right Age to Invest

Stepping into your 30s is a crucial step for any individual. By now, you ought to have figured out your career prospects. You should have a steady income as well. A big change in life, such as wedding or kids, may have already happened. Or it may be around the corner. Your early 30s is an ideal time for you to take stock of your finances. You can now build a solid investment plan to secure your future. Here is how to go about it:

Review Your Insurance Cover:

Your responsibilities may have increased by the time you hit your 30s. Your spouse and kids now depend on you. So, it is time to adjust your insurance cover. What was adequate when you were single may not be adequate now. At this age, you may be able to get some good deals on term insurance policies online. The more you delay buying your life insurance, the heftier your premium becomes. Also, go over your health insurance policy once again. Ensure that you and your family have enough financial protection.

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Protect Yourself Against Emergencies:

Life is uncertain. A job loss or any other unpleasant life event may derail your financial plans. Thus, it is wise to enhance your emergency fund at this stage. You should have started building an emergency fund in your 20s. Investing in a bank fixed deposit (FD) or a mutual fund would have been perfect. If you have not done so yet, begin now. It is best to keep things simple by investing in a five-year FD. This will take care of six to nine months of your living expenses and liabilities. You can earn an interest of 7.15–8% on such an FD. You can also link it to your savings account. Then you can make a withdrawal in case of an emergency.

Additional Read : Pros and Cons of Fixed Deposit

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Build A Balanced Investment Portfolio:

As you advance in age, your financial needs, ambitions, and risk profile change. Your investment portfolio should reflect these changes. At 30, you need to think of your home loan, children’s education, tax planning, and you’re your retirement plan. Your asset allocation at this stage should be 75% in equities and 25% in debt.

You might have invested in a systematic investment plan (SIP) in your 20s. You can now invest more in SIPs. Link them to your financial goals. Perhaps you wish to buy property or fund your children’s education. You can also include short- or medium-term goals. These include milestone birthday or anniversary celebrations. Or, you could plan an exotic vacation with your family. It is prudent to use a SIP calculator. You will know exactly how much you need to save each month to meet your financial goals. But do pick the right equity fund as per your risk appetite.

The 30s are also the time when you need to make an effective tax-saving plan. The Public Provident Fund (PPF) remains a popular tax-saving avenue. It is used for long-term investments. Equity-linked savings schemes (ELSS) may also prove to be tax-efficient. They carry the benefit of capital appreciation as well.

Finally, it is time to look at retirement plans. The earlier you start allocating funds towards retirement, the better. This increases your chances of leading a good second innings. Consider products such as the National Pension Scheme (NPS). This has mostly delivered inflation-adjusted returns. NPS also provides tax benefits under Section 80C.

It is of utmost importance to set your financial goals and invest as per your plans. Here’s a handy guide of which investment option suits different goals.

The Bottom Line:

Taking control of your finances in your early 30s puts you in the driver’s seat. This can ensure lifelong financial security.

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