A credit card makes everyday payments easier and more convenient. It helps you manage daily expenses such as grocery shopping, medical bills, travel bookings, and other urgent payments when cash is not available. Instead of carrying cash, you can pay securely and quickly, both online and offline. Credit cards also come with added benefits like cashback, discounts, and reward points, which make regular spending more rewarding and easier on your budget.
A credit card makes everyday payments easier and more convenient. It helps you manage daily expenses such as grocery shopping, medical bills, travel bookings, and other urgent payments when cash is not available. Instead of carrying cash, you can pay securely and quickly, both online and offline. Credit cards also come with added benefits like cashback, discounts, and reward points, which make regular spending more rewarding and easier on your budget.
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Every business — whether small, medium, or large — may need additional funding at some point in its growth journey. The reasons can vary: expanding into new markets, strengthening working capital, investing in advanced technology, or purchasing essential equipment. In such situations, a business loan becomes an important financial tool that can help entrepreneurs achieve their business objectives.
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When businesses approach banks or financial institutions for credit, the decision is rarely based on gut instincts. Lenders follow structured evaluations to determine whether a borrower has the financial strength to handle debt obligations. Among the many metrics considered, one indicator acts as a deal-maker or deal-breaker in gauging repayment ability and overall financial stability: the Debt Service Coverage Ratio (DSCR).
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Let’s understand the situation with an example. Rohit, a young professional in Mumbai, recently received an SMS claiming he had been approved for a personal loan of Rs. 5,00,000 with 0% EMI. The message looked official, had a letter attached, and even promised instant disbursement within 24 hours. Excited, he almost shared his bank details before realising it was a scam.
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Today, India’s digital payments ecosystem continues to upgrade to the next level with each passing day. From everyday transactions to large purchases, the Unified Payments Interface (UPI) has become the preferred mode of payment for millions. Yet, despite this digital shift, cash still plays a crucial role in daily life - whether for small vendors, emergencies, or personal preferences.
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We have all been there. You are about to make a payment, order something online, or plan your expenses, and the first thought is “Kitna balance hai?” Axis Bank makes sure you get that answer quickly, without any unnecessary steps. There is no need to open multiple apps. A simple missed call, a quick SMS, or even WhatsApp banking can help you check your account balance in seconds using your registered mobile number.
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Credit cards offer a unique way to upscale your lifestyle and manage day-to-day expenses. BOBCARD Limited, a wholly-owned subsidiary of Bank of Baroda, specialises in credit cards and offers an array of consumer and commercial credit products. These cards are tailored to help customers from all segments manage their diverse financial needs
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Checking your bank balance after receiving your salary or while planning monthly expenses helps you stay financially aware and in control. Punjab National Bank (PNB) offers multiple convenient services that allow account holders to access their balance details instantly and securely.
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Closing a bank account is something many of us need to do at some point. For instance, someone relocating to a new city or country might prefer managing their finances closer to home. Others may decide to merge multiple accounts to keep their finances simple and organised. Some accounts may remain inactive for long periods, or someone may need a different type of account, such as a salary or business account that better suits their needs.
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The Employee Provident Fund (EPF) is an important component of retirement planning, and the Universal Account Number (UAN) has simplified and made EPF account management easier and more transparent. To ensure smooth access to all online benefits—such as claim settlement, account transfer, or passbook updates—the Employees’ Provident Fund Organisation (EPFO) requires members to complete their Know Your Customer (KYC) process
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