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  31. <title>Tamilnad Mercantile Bank (TMB) Net Banking Registration &#038; Login Process</title>
  32. <link>https://www.financebuzz.net/tamilnad-mercantile-bank-tmb-net-banking/</link>
  34. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  35. <pubDate>Wed, 30 Jul 2025 18:12:00 +0000</pubDate>
  36. <category><![CDATA[BANKING]]></category>
  37. <category><![CDATA[Banking]]></category>
  38. <category><![CDATA[online banking service]]></category>
  39. <category><![CDATA[TMB Net Banking]]></category>
  40. <guid isPermaLink="false">https://www.financebuzz.net/?p=5468</guid>
  41.  
  42. <description><![CDATA[<p>Gone are those days when you had to visit the bank for any banking service....</p>
  43. <p>The post <a href="https://www.financebuzz.net/tamilnad-mercantile-bank-tmb-net-banking/">Tamilnad Mercantile Bank (TMB) Net Banking Registration &#038; Login Process</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  44. ]]></description>
  45. <content:encoded><![CDATA[
  46. <p>Gone are those days when you had to <a href="https://www.financebuzz.net/cash-deposit-machine-locator-cdm-near-you/" target="_blank" rel="noreferrer noopener">visit the bank</a> for any banking service. Nowadays, all the banks are providing online services to their customers, which not only offer all types of banking services to the customers sitting at their place but are also absolutely safe.</p>
  47.  
  48.  
  49.  
  50. <p>Today, account holders can transfer funds, check their account balances, pay utility bills, and many more banking services through NEFT, RTGS, or IMPS sitting at home.</p>
  51.  
  52.  
  53.  
  54. <p>Tamilnad Mercantile Bank is one such bank that is growing very fast and providing net banking facilities to its customers.</p>
  55.  
  56.  
  57.  
  58. <p>Today, through this article, I will share complete information about Tamilnad Mercantile Bank Net Banking with you.</p>
  59.  
  60.  
  61.  
  62. <p>Like what Tamilnad Mercantile Net Banking is, what services it provides, what its registration process is, how to log in, and what the password recovery process is in case of forgetting the Password.</p>
  63.  
  64.  
  65.  
  66. <h2 class="wp-block-heading">About TMB Net Banking</h2>
  67.  
  68.  
  69.  
  70. <p>TMB Net Banking is an online banking service provided by Tamilnad Mercantile Bank. Through this, customers can avail banking services 24/7 hours and by sitting anywhere. Customers can do online fund transfers, check their balance, pay their utility bills, and many more services.</p>
  71.  
  72.  
  73.  
  74. <h2 class="wp-block-heading">What services are Available Through Tamilnad Mercantile Net Banking?</h2>
  75.  
  76.  
  77.  
  78. <p><strong>If you have registered on TMB internet banking, you can avail of these services.</strong></p>
  79.  
  80.  
  81.  
  82. <ol class="wp-block-list">
  83. <li>The Customers can&nbsp;check&nbsp;their bank account balance online</li>
  84.  
  85.  
  86.  
  87. <li>Transferring of funds to another bank account via RTGS, NEFT, IMPS</li>
  88.  
  89.  
  90.  
  91. <li>See your transaction history and download your account statement by selecting the date range</li>
  92.  
  93.  
  94.  
  95. <li>Payment of&nbsp;utility bills online</li>
  96.  
  97.  
  98.  
  99. <li>Customers can&nbsp;invest&nbsp;their money in the stock market</li>
  100.  
  101.  
  102.  
  103. <li>Can settle your credit card bills</li>
  104.  
  105.  
  106.  
  107. <li>Can check Various personalized offers the bank provided to you</li>
  108.  
  109.  
  110.  
  111. <li>Can add or change nominees to your account</li>
  112.  
  113.  
  114.  
  115. <li>The customer can add or alter the communication address already added to your account</li>
  116.  
  117.  
  118.  
  119. <li>Open Fixed and Recurring Deposits</li>
  120.  
  121.  
  122.  
  123. <li>Make TDS enquiry, pay your taxes, file income tax and Form 26 AS</li>
  124.  
  125.  
  126.  
  127. <li>Access digital passbook</li>
  128.  
  129.  
  130.  
  131. <li>You can pay your loan installment and get information about it.</li>
  132. </ol>
  133.  
  134.  
  135.  
  136. <h2 class="wp-block-heading">Requirements for TMB Net Banking</h2>
  137.  
  138.  
  139.  
  140. <p><strong>Customers must know these details before starting TMB Net Banking registration:</strong></p>
  141.  
  142.  
  143.  
  144. <p><strong>1.</strong>&nbsp;Registered mobile number<br><strong>2.</strong>&nbsp;Bank account number<br><strong>3.</strong>&nbsp;PAN number<br><strong>4.</strong>&nbsp;IF Number, Branch Code, Country Name, and ATM Card information</p>
  145.  
  146.  
  147.  
  148. <h2 class="wp-block-heading">Steps To Register For TMB Net Banking</h2>
  149.  
  150.  
  151.  
  152. <p><strong>Follow these steps for hassle-free registration on TMB Bank Net Banking:</strong></p>
  153.  
  154.  
  155.  
  156. <p><strong>Step 1.</strong>&nbsp;Visit the TMB Net Banking official page, which is <a href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/</a><br><strong>Step 2.</strong>&nbsp;Click on the &#8220;Net banking Login&#8221; Button present at the upper right corner of the website<br><strong>Step 3.</strong>&nbsp;It will redirect you to another page: <a href="https://www.tmbnet.in/message.htm" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/message.htm</a><br><strong>Step 4.</strong>&nbsp;Click On the &#8220;Continue to login&#8221; Button<br><strong>Step 5.</strong>&nbsp;It will again redirect to the page having the in and registration option<br><strong>Step 6.</strong>&nbsp;Click on the &#8220;Register for New User&#8221;<br><strong>Step 7.</strong>&nbsp;Read the terms and conditions and click on the agree Button<br><strong>Step 8.</strong>&nbsp;Now you have to enter your bank account number, Date Of Birth, PAN Number, and Captcha code and click on the Continue button<br><strong>Step 9.</strong>&nbsp;You will then receive an OTP on your registered phone number<br><strong>Step 10.</strong>&nbsp;Now Enter the OTP, click on the submit Button, and set your Password</p>
  157.  
  158.  
  159.  
  160. <p>That&#8217;s it; you have successfully registered for TMB Net Banking.</p>
  161.  
  162.  
  163.  
  164. <h2 class="wp-block-heading">Steps To Login On The TMB Net Banking</h2>
  165.  
  166.  
  167.  
  168. <p><strong>To log into the TMB Net Banking portal, follow these hassle-free steps:</strong></p>
  169.  
  170.  
  171.  
  172. <p><strong>Step 1.</strong>&nbsp;Visit the TMB Net Banking official page, which is <a href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/</a><br><strong>Step 2.</strong>&nbsp;Click on the &#8220;Net banking Login&#8221; Button present at the upper right corner of the website<br><strong>Step 3.</strong>&nbsp;It will redirect you to another page: <a href="https://www.tmbnet.in/message.htm" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/message.htm</a><br><strong>Step 4.</strong>&nbsp;Enter The User ID, Password, and captcha<br><strong>Step 5.</strong>&nbsp;Select the personal profile from the dropdown and click on the login button.</p>
  173.  
  174.  
  175.  
  176. <p>That&#8217;s it. You have successfully logged in to your Tamilnad Mercantile Net Banking.</p>
  177.  
  178.  
  179.  
  180. <div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex">
  181. <div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">Login Now</a></div>
  182. </div>
  183.  
  184.  
  185.  
  186. <h2 class="wp-block-heading">Steps To Reset Password of TMB Net Banking</h2>
  187.  
  188.  
  189.  
  190. <p><strong>Step 1.</strong>&nbsp;Visit the TMB Net Banking official page, which is <a href="https://www.tmbnet.in/" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/</a><br><strong>Step 2.</strong>&nbsp;Click on the &#8220;Net banking Login&#8221; Button present at the upper right corner of the website<br><strong>Step 3.</strong>&nbsp;It will redirect you to another page: <a href="https://www.tmbnet.in/message.htm" target="_blank" rel="noreferrer noopener">https://www.tmbnet.in/message.htm</a><br><strong>Step 4.</strong>&nbsp;Click on forgot Password to receive a one-time password on your registered mobile number<br><strong>Step 5.</strong>&nbsp;Enter the OTP and click on the &#8220;Proceed&#8221; Button<br><strong>Step 6.</strong>&nbsp;Create a new password, repeat it to confirm, and hit the submit Button.</p>
  191.  
  192.  
  193.  
  194. <h2 class="wp-block-heading">TMB Net Banking Customer Care Number</h2>
  195.  
  196.  
  197.  
  198. <p>You can contact the customer care department of Tamilnad Mercantile Bank directly if you need any help related to TMB Net Banking. The customer care details of Tamilnad Mercantile Bank are as follows.</p>
  199.  
  200.  
  201.  
  202. <figure class="wp-block-table"><table><tbody><tr><td>Phone number</td><td><a href="http://0461-2383325" target="_blank" rel="noreferrer noopener">0461-2383325</a></td><td><a href="http://0461-2383326">0461-2383326</a></td><td><a href="http://0461-2383326">0461-2383327</a></td></tr><tr><td>Email</td><td><a href="mailto:econnect@tmbank.in">econnect@tmbank.in</a></td><td></td><td></td></tr></tbody></table></figure>
  203.  
  204.  
  205.  
  206. <h2 class="wp-block-heading">TMB Net Banking &#8211; Safe Banking Tips</h2>
  207.  
  208.  
  209.  
  210. <p><strong>1.</strong>&nbsp;Always try to type the URL www.tmbnet.in in your browser to open the net banking page<br><strong>2.</strong>&nbsp;Ensure the URL starts with https://, i.e. URL is SSL-verified<br><strong>3.</strong>&nbsp;Try to log into your net banking from shared computers<br><strong>4.</strong>&nbsp;Ensure you&#8217;re using the latest and updated anti-virus software in your system</p>
  211.  
  212.  
  213.  
  214. <h3 class="wp-block-heading">Conclusion:</h3>
  215.  
  216.  
  217.  
  218. <p>Customers can register for the TMB net banking service Tamilnad Mercantile Bank offers and enjoy their seamless online banking services.</p>
  219.  
  220.  
  221.  
  222. <h3 style="margin-bottom:20px;display:block;width:100%;margin-top:10px">Frequently Asked Question (FAQ’s) </h3>
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  319.  <h4 class="wpsm_panel-title">
  320. <a  class=""  data-toggle="collapse" data-parent="#wpsm_accordion_5471 " href="javascript:void(0)" data-target="#ac_5471_collapse1" onclick="do_resize()">
  321. <span class="ac_open_cl_icon fa fa-minus"></span>
  324. <span class="ac_title_class">
  325. Is there any cost to using Tamilnad Mercantile Bank&#039;s net banking? </span>
  326. </a>
  327.  </h4>
  328. </div>
  329. <div id="ac_5471_collapse1" class="wpsm_panel-collapse collapse in"  >
  330.  <div class="wpsm_panel-body">
  331. No, Tamilnad Mercantile Bank's net banking service is free of cost. However, certain transaction charges or service-specific charges may apply.  </div>
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  342. <span class="ac_open_cl_icon fa fa-plus"></span>
  345. <span class="ac_title_class">
  346. What are the Customer Care numbers of Tamilnad Mercantile Bank? </span>
  347. </a>
  348.  </h4>
  349. </div>
  350. <div id="ac_5471_collapse2" class="wpsm_panel-collapse collapse "  >
  351.  <div class="wpsm_panel-body">
  352. One can contact customer care by dialing these numbers: 0461-2383325, 0461-2383326, and 0461-2383327  </div>
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  363. <span class="ac_open_cl_icon fa fa-plus"></span>
  366. <span class="ac_title_class">
  367. Can I recover a Tamilnad Mercantile Bank net banking password? </span>
  368. </a>
  369.  </h4>
  370. </div>
  371. <div id="ac_5471_collapse3" class="wpsm_panel-collapse collapse "  >
  372.  <div class="wpsm_panel-body">
  373. Yes, you can easily reset the TMB bank net banking password with the help of your debit card and registered mobile number.  </div>
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  397.  
  398.  
  399.  
  400. <p><strong>Read More:</strong></p>
  401.  
  402.  
  403.  
  404. <ul class="wp-block-list">
  405. <li><a href="https://www.financebuzz.net/cub-net-online-banking/" target="_blank" rel="noreferrer noopener">CUB Net Banking</a></li>
  406.  
  407.  
  408.  
  409. <li><a href="https://www.financebuzz.net/iob-bank-net-banking/" target="_blank" rel="noreferrer noopener">IOB Bank Net Banking</a></li>
  410.  
  411.  
  412.  
  413. <li><a href="https://www.financebuzz.net/hdfc-bank-internet-banking/" target="_blank" rel="noreferrer noopener">HDFC Bank Internet banking</a></li>
  414. </ul>
  415. <p>The post <a href="https://www.financebuzz.net/tamilnad-mercantile-bank-tmb-net-banking/">Tamilnad Mercantile Bank (TMB) Net Banking Registration &#038; Login Process</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  416. ]]></content:encoded>
  420. </item>
  421. <item>
  422. <title>Comparing RuPay Credit Cards with International Credit Cards: What&#8217;s Best for You?</title>
  423. <link>https://www.financebuzz.net/compare-rupay-and-international-credit-cards/</link>
  425. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  426. <pubDate>Tue, 29 Jul 2025 13:04:59 +0000</pubDate>
  427. <category><![CDATA[CREDIT CARD]]></category>
  428. <category><![CDATA[Credit Cards]]></category>
  429. <category><![CDATA[RuPay Credit Cards Vs International Credit Cards]]></category>
  430. <guid isPermaLink="false">https://www.financebuzz.net/?p=6924</guid>
  431.  
  432. <description><![CDATA[<p>This guide compares RuPay credit cards with international networks like Visa and Mastercard, highlighting their...</p>
  433. <p>The post <a href="https://www.financebuzz.net/compare-rupay-and-international-credit-cards/">Comparing RuPay Credit Cards with International Credit Cards: What&#8217;s Best for You?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  434. ]]></description>
  435. <content:encoded><![CDATA[
  436. <p>This guide compares RuPay credit cards with international networks like Visa and Mastercard, highlighting their distinct advantages. We&#8217;ll examine acceptance ranges, transaction fees, UPI integration capabilities, and security features to help you choose the right new credit card based on your spending habits and lifestyle needs.</p>
  437.  
  438.  
  439.  
  440. <p>Are you confused about whether to get a RuPay credit card or an international card like Visa or Mastercard? With millions of credit card users in India, making the right choice has become increasingly important.</p>
  441.  
  442.  
  443.  
  444. <p>In this guide, we will compare domestic RuPay cards with international networks across acceptance, fees, features, and integration capabilities. Being familiar with these differences will help you select a card that perfectly aligns with your spending habits and lifestyle.</p>
  445.  
  446.  
  447.  
  448. <h2 class="wp-block-heading">About RuPay Credit Cards and Their Unique UPI Feature</h2>
  449.  
  450.  
  451.  
  452. <p>RuPay is India&#8217;s homegrown card payment network launched by the National Payments Corporation of India (NPCI). What makes RuPay credit card UPI integration special is that it&#8217;s the only credit card network in India that allows you to link your card directly to UPI for everyday transactions.</p>
  453.  
  454.  
  455.  
  456. <h2 class="wp-block-heading">Key Features of RuPay Credit Cards</h2>
  457.  
  458.  
  459.  
  460. <ul class="wp-block-list">
  461. <li><strong>Domestic Focus:</strong> Primarily designed for Indian consumers with widespread acceptance across local merchants</li>
  462.  
  463.  
  464.  
  465. <li><strong>UPI Integration:</strong> The unique ability to make UPI payments using your RuPay credit card</li>
  466.  
  467.  
  468.  
  469. <li><strong>Lower Fees:</strong> Generally offers reduced processing fees compared to international networks</li>
  470.  
  471.  
  472.  
  473. <li><strong>Government Support:</strong> Preferred for government transactions and services</li>
  474. </ul>
  475.  
  476.  
  477.  
  478. <p><em><strong>Customer Story: </strong>Rajesh, a small business owner from Pune, shares: &#8220;I use my RuPay credit card UPI feature daily for business purchases. The smooth integration with UPI has made tracking expenses much easier.&#8221;</em></p>
  479.  
  480.  
  481.  
  482. <h2 class="wp-block-heading">RuPay Credit Card UPI Integration Explained</h2>
  483.  
  484.  
  485.  
  486. <p>RuPay is the first and currently only credit card network that allows full UPI integration. This means you can:</p>
  487.  
  488.  
  489.  
  490. <ul class="wp-block-list">
  491. <li>Link your RuPay credit card to any UPI app</li>
  492.  
  493.  
  494.  
  495. <li>Make payments at local shops using QR codes</li>
  496.  
  497.  
  498.  
  499. <li>Send money to friends and family directly</li>
  500.  
  501.  
  502.  
  503. <li>Pay utility bills without switching payment methods</li>
  504. </ul>
  505.  
  506.  
  507.  
  508. <p>This integration is particularly valuable for everyday transactions where convenience matters more than premium benefits.</p>
  509.  
  510.  
  511.  
  512. <p>You can easily apply for a credit card with UPI integration through various banking partners.</p>
  513.  
  514.  
  515.  
  516. <h2 class="wp-block-heading">International Credit Cards: Global Acceptance and Premium Benefits</h2>
  517.  
  518.  
  519.  
  520. <p>International cards like Visa and Mastercard have dominated the global payment landscape for decades. They excel in worldwide acceptance and typically offer more premium rewards programs.</p>
  521.  
  522.  
  523.  
  524. <figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>Feature</strong></td><td><strong>RuPay Credit Cards</strong></td><td><strong>International Credit Cards</strong></td></tr><tr><td>Domestic Acceptance</td><td>Excellent (99% of Indian merchants)</td><td>Excellent (98% of Indian merchants)</td></tr><tr><td>International Acceptance</td><td>Limited (Growing through partnerships)</td><td>Excellent (200+ countries)</td></tr><tr><td>UPI Integration</td><td>Yes (Direct integration)</td><td>No (Requires workarounds)</td></tr><tr><td>Foreign Transaction Fee</td><td>2-3.5%</td><td>1.5-3% (Often lower)</td></tr><tr><td>Annual Fees</td><td>Generally lower</td><td>Typically higher</td></tr><tr><td>Reward Programs</td><td>Competitive domestic offers</td><td>Global rewards ecosystem</td></tr></tbody></table></figure>
  525.  
  526.  
  527.  
  528. <h2 class="wp-block-heading">When International Cards Make More Sense</h2>
  529.  
  530.  
  531.  
  532. <p><strong>Consider an international card if you:</strong></p>
  533.  
  534.  
  535.  
  536. <ul class="wp-block-list">
  537. <li>Travel abroad frequently</li>
  538.  
  539.  
  540.  
  541. <li>Shop regularly on international websites</li>
  542.  
  543.  
  544.  
  545. <li>Need premium travel benefits like lounge access</li>
  546.  
  547.  
  548.  
  549. <li>Prefer comprehensive purchase protection</li>
  550. </ul>
  551.  
  552.  
  553.  
  554. <p>Checking your credit score before applying for any new credit card is essential to understanding your approval chances and potential credit limit.</p>
  555.  
  556.  
  557.  
  558. <h2 class="wp-block-heading">Cost Comparison: Fees and Charges</h2>
  559.  
  560.  
  561.  
  562. <p>The cost difference between RuPay credit card UPI options and international cards can be significant over time.</p>
  563.  
  564.  
  565.  
  566. <h3 class="wp-block-heading">Sample Cost Calculation</h3>
  567.  
  568.  
  569.  
  570. <p>Let&#8217;s compare the average annual costs for a middle-tier card:</p>
  571.  
  572.  
  573.  
  574. <p><strong>RuPay Credit Card:</strong></p>
  575.  
  576.  
  577.  
  578. <ul class="wp-block-list">
  579. <li>Annual fee: ₹500</li>
  580.  
  581.  
  582.  
  583. <li>Foreign transaction fee: 3% (₹3,000 on ₹1 lakh foreign spending)</li>
  584.  
  585.  
  586.  
  587. <li>Total annual cost: ₹3,500</li>
  588. </ul>
  589.  
  590.  
  591.  
  592. <p><strong>International Credit Card:</strong></p>
  593.  
  594.  
  595.  
  596. <ul class="wp-block-list">
  597. <li>Annual fee: ₹1,000</li>
  598.  
  599.  
  600.  
  601. <li>Foreign transaction fee: 2% (₹2,000 on ₹1 lakh foreign spending)</li>
  602.  
  603.  
  604.  
  605. <li>Total annual cost: ₹3,000</li>
  606. </ul>
  607.  
  608.  
  609.  
  610. <p>For primarily domestic spenders, the RuPay card often proves more economical, especially when utilising the RuPay credit card UPI feature for daily transactions.</p>
  611.  
  612.  
  613.  
  614. <h2 class="wp-block-heading">Practical Usage Scenarios: Who Benefits Most?</h2>
  615.  
  616.  
  617.  
  618. <h3 class="wp-block-heading">Scenario 1: The Domestic Spender</h3>
  619.  
  620.  
  621.  
  622. <p>Priya, a teacher from Jaipur, rarely travels internationally but makes numerous daily payments. The RuPay credit card UPI integration allows her to use a single payment method for everything from grocery shopping to utility bills, earning rewards on transactions that would typically require debit cards or cash.</p>
  623.  
  624.  
  625.  
  626. <h3 class="wp-block-heading">Scenario 2: The Global Traveller</h3>
  627.  
  628.  
  629.  
  630. <p>Vikram, a software consultant who travels internationally every quarter, finds his Visa card indispensable. Despite having a RuPay card for domestic use, he relies on his international card for seamless payments abroad and travel insurance benefits.</p>
  631.  
  632.  
  633.  
  634. <p><em><strong>Pro Tip:</strong> Maximise benefits by using both RuPay and international cards. Link RuPay to UPI for daily rewards and use special travel cards abroad to avoid excessive foreign transaction fees.</em></p>
  635.  
  636.  
  637.  
  638. <p>You can easily manage multiple cards through the Airtel Thanks App, which helps track spending across different cards.</p>
  639.  
  640.  
  641.  
  642. <h2 class="wp-block-heading">Making Your Final Decision</h2>
  643.  
  644.  
  645.  
  646. <p>When choosing between a RuPay credit card UPI option and an international card, honestly assess your lifestyle needs:</p>
  647.  
  648.  
  649.  
  650. <ol class="wp-block-list">
  651. <li>Evaluate your spending patterns &#8211; Where do you spend most frequently?</li>
  652.  
  653.  
  654.  
  655. <li>Consider your travel habits &#8211; How often do you travel internationally?</li>
  656.  
  657.  
  658.  
  659. <li>Review your digital payment preferences &#8211; Do you use UPI frequently?</li>
  660.  
  661.  
  662.  
  663. <li>Compare specific card offerings &#8211; Look at the actual rewards structure of each <a href="https://www.airtel.in/finance/credit-card/qr-code" target="_blank" rel="noreferrer noopener">new credit card</a> option.</li>
  664. </ol>
  665.  
  666.  
  667.  
  668. <h3 class="wp-block-heading">Final Verdict: RuPay or International Credit Card—Which One Wins for You?</h3>
  669.  
  670.  
  671.  
  672. <p>Your ideal credit card choice depends largely on your lifestyle and spending habits. If you primarily transact within India and value the convenience of UPI payments, a RuPay credit card with UPI integration offers unique advantages. For frequent international travellers or those seeking premium global benefits, an international card might be more suitable.</p>
  673.  
  674.  
  675.  
  676. <p>Consider your specific needs, compare the fees, and possibly maintain both types of cards for maximum flexibility. Ready to explore your options? Check out the latest RuPay credit card offerings to find the perfect match for your financial needs.</p>
  677.  
  678.  
  679.  
  680. <h3 style="margin-bottom:20px;display:block;width:100%;margin-top:10px">Frequently Asked Question (FAQ’s) </h3>
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  774. <!-- Inner panel Start -->
  775. <div class="wpsm_panel wpsm_panel-default">
  776. <div class="wpsm_panel-heading" role="tab" >
  777.  <h4 class="wpsm_panel-title">
  778. <a  class=""  data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse1" onclick="do_resize()">
  779. <span class="ac_open_cl_icon fa fa-minus"></span>
  782. <span class="ac_title_class">
  783. Can I use my RuPay credit card UPI for international transactions? </span>
  784. </a>
  785.  </h4>
  786. </div>
  787. <div id="ac_6928_collapse1" class="wpsm_panel-collapse collapse in"  >
  788.  <div class="wpsm_panel-body">
  789. While RuPay cards work internationally through partnerships with Discover and JCB networks, the UPI integration feature works primarily within India, where UPI is accepted.  </div>
  790. </div>
  791. </div>
  792. <!-- Inner panel End -->
  795. <!-- Inner panel Start -->
  796. <div class="wpsm_panel wpsm_panel-default">
  797. <div class="wpsm_panel-heading" role="tab" >
  798.  <h4 class="wpsm_panel-title">
  799. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse2" onclick="do_resize()">
  800. <span class="ac_open_cl_icon fa fa-plus"></span>
  803. <span class="ac_title_class">
  804. Do all RuPay credit cards support UPI integration? </span>
  805. </a>
  806.  </h4>
  807. </div>
  808. <div id="ac_6928_collapse2" class="wpsm_panel-collapse collapse "  >
  809.  <div class="wpsm_panel-body">
  810. Most newer RuPay credit cards support UPI integration, but it's essential to confirm this feature when applying for a new credit card from your bank.  </div>
  811. </div>
  812. </div>
  813. <!-- Inner panel End -->
  816. <!-- Inner panel Start -->
  817. <div class="wpsm_panel wpsm_panel-default">
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  821. <span class="ac_open_cl_icon fa fa-plus"></span>
  824. <span class="ac_title_class">
  825. Are the rewards on RuPay credit cards comparable to international cards? </span>
  826. </a>
  827.  </h4>
  828. </div>
  829. <div id="ac_6928_collapse3" class="wpsm_panel-collapse collapse "  >
  830.  <div class="wpsm_panel-body">
  831. RuPay cards offer competitive rewards for domestic spending, often with special benefits for government services and Indian retailers, while international cards excel in global rewards.  </div>
  832. </div>
  833. </div>
  834. <!-- Inner panel End -->
  837. <!-- Inner panel Start -->
  838. <div class="wpsm_panel wpsm_panel-default">
  839. <div class="wpsm_panel-heading" role="tab" >
  840.  <h4 class="wpsm_panel-title">
  841. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse4" onclick="do_resize()">
  842. <span class="ac_open_cl_icon fa fa-plus"></span>
  845. <span class="ac_title_class">
  846. What&#039;s the main advantage of getting a new credit card on the RuPay network? </span>
  847. </a>
  848.  </h4>
  849. </div>
  850. <div id="ac_6928_collapse4" class="wpsm_panel-collapse collapse "  >
  851.  <div class="wpsm_panel-body">
  852. The primary advantage is the unique ability to link your credit card with UPI for seamless payments across India's vast digital payments ecosystem.
  853.  </div>
  854. </div>
  855. </div>
  856. <!-- Inner panel End -->
  859. <!-- Inner panel Start -->
  860. <div class="wpsm_panel wpsm_panel-default">
  861. <div class="wpsm_panel-heading" role="tab" >
  862.  <h4 class="wpsm_panel-title">
  863. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6928 " href="javascript:void(0)" data-target="#ac_6928_collapse5" onclick="do_resize()">
  864. <span class="ac_open_cl_icon fa fa-plus"></span>
  867. <span class="ac_title_class">
  868. Can I have both a RuPay credit card and an international card? </span>
  869. </a>
  870.  </h4>
  871. </div>
  872. <div id="ac_6928_collapse5" class="wpsm_panel-collapse collapse "  >
  873.  <div class="wpsm_panel-body">
  874. Yes, many financial experts recommend having both types to maximise benefits—using RuPay for domestic UPI transactions and international cards for global spending.  </div>
  875. </div>
  876. </div>
  877. <!-- Inner panel End -->
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  898. <p>The post <a href="https://www.financebuzz.net/compare-rupay-and-international-credit-cards/">Comparing RuPay Credit Cards with International Credit Cards: What&#8217;s Best for You?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  899. ]]></content:encoded>
  903. </item>
  904. <item>
  905. <title>What Is the Maximum Loan You Can Get Against Mutual Funds?</title>
  906. <link>https://www.financebuzz.net/maximum-loan-against-mutual-funds/</link>
  908. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  909. <pubDate>Fri, 25 Jul 2025 08:48:46 +0000</pubDate>
  910. <category><![CDATA[FINANCE]]></category>
  911. <category><![CDATA[Loan against mutual funds]]></category>
  912. <guid isPermaLink="false">https://www.financebuzz.net/?p=6917</guid>
  913.  
  914. <description><![CDATA[<p>A loan against mutual funds offers a flexible and cost-effective way to raise funds without...</p>
  915. <p>The post <a href="https://www.financebuzz.net/maximum-loan-against-mutual-funds/">What Is the Maximum Loan You Can Get Against Mutual Funds?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  916. ]]></description>
  917. <content:encoded><![CDATA[
  918. <p>A loan against mutual funds offers a flexible and cost-effective way to raise funds without liquidating your investments. It is a secured borrowing facility where you pledge your mutual fund units as collateral to access a loan. This type of loan has grown in popularity among retail investors and high-net-worth individuals seeking quick liquidity without disrupting long-term financial goals.</p>
  919.  
  920.  
  921.  
  922. <p>In this article, we explore how much loan you can get against mutual funds, the factors that influence the loan amount, and the loan against mutual funds eligibility criteria in 2025.</p>
  923.  
  924.  
  925.  
  926. <h2 class="wp-block-heading">How a loan against mutual funds works</h2>
  927.  
  928.  
  929.  
  930. <p>When you apply for a&nbsp;<a href="https://www.bajajfinserv.in/loan-against-mutual-funds" target="_blank" rel="noreferrer noopener">loan against mutual funds</a>, the lender places a lien on your mutual fund units, which are held in dematerialised form. You remain the legal owner of the units, but you cannot redeem or switch them until the loan is repaid in full. The loan amount is then disbursed based on a percentage of the Net Asset Value (NAV) of the pledged units.</p>
  931.  
  932.  
  933.  
  934. <p>The facility is typically offered by banks and non-banking financial companies (NBFCs), and in some cases, through online brokers partnered with depositories like NSDL and CDSL.</p>
  935.  
  936.  
  937.  
  938. <h2 class="wp-block-heading">Maximum loan amount you can get</h2>
  939.  
  940.  
  941.  
  942. <p>The maximum loan amount you can avail against mutual funds depends on several factors, including:</p>
  943.  
  944.  
  945.  
  946. <ul class="wp-block-list">
  947. <li>Type of mutual fund units pledged</li>
  948.  
  949.  
  950.  
  951. <li>Loan-to-value (LTV) ratio offered by the lender</li>
  952.  
  953.  
  954.  
  955. <li>NAV of the mutual fund scheme</li>
  956.  
  957.  
  958.  
  959. <li>Risk profile of the fund</li>
  960.  
  961.  
  962.  
  963. <li>Borrower profile and relationship with the lender</li>
  964. </ul>
  965.  
  966.  
  967.  
  968. <h3 class="wp-block-heading">Loan-to-value ratio</h3>
  969.  
  970.  
  971.  
  972. <p>Lenders generally apply an LTV ratio, which determines the loan amount as a percentage of the market value of the pledged units. The LTV differs for various fund categories:</p>
  973.  
  974.  
  975.  
  976. <ul class="wp-block-list">
  977. <li><strong>Equity mutual funds</strong>: LTV ranges from 50 to 60 percent</li>
  978.  
  979.  
  980.  
  981. <li><strong>Debt mutual funds</strong>: LTV can go up to 70 to 80 percent</li>
  982.  
  983.  
  984.  
  985. <li><strong>Hybrid funds</strong>: LTV may fall between 55 and 65 percent depending on equity exposure</li>
  986. </ul>
  987.  
  988.  
  989.  
  990. <p>For instance, if you hold equity mutual fund units worth ₹5 lakh, and the lender offers an LTV of 50 percent, the maximum loan you can get is ₹2.5 lakh.</p>
  991.  
  992.  
  993.  
  994. <h3 class="wp-block-heading">Lender limits</h3>
  995.  
  996.  
  997.  
  998. <p>While the LTV sets the cap based on fund value, lenders also define minimum and maximum loan amounts:</p>
  999.  
  1000.  
  1001.  
  1002. <ul class="wp-block-list">
  1003. <li><strong>Minimum loan amount</strong>: Typically ₹25,000 to ₹50,000</li>
  1004.  
  1005.  
  1006.  
  1007. <li><strong>Maximum loan amount</strong>: Can go up to ₹5 crore or more for eligible applicants with high-value portfolios</li>
  1008. </ul>
  1009.  
  1010.  
  1011.  
  1012. <p>Some private banks and wealth management firms may extend higher limits under special arrangements or for corporate clients.</p>
  1013.  
  1014.  
  1015.  
  1016. <h2 class="wp-block-heading">Eligibility criteria for a loan against mutual funds</h2>
  1017.  
  1018.  
  1019.  
  1020. <p>Understanding the <a href="https://www.bajajfinserv.in/loan-against-mutual-funds-eligibility-and-documents" target="_blank" rel="noreferrer noopener">loan against mutual funds eligibility</a> requirements is crucial before applying. These criteria ensure that the mutual fund units and the borrower meet the lender’s approval standards.</p>
  1021.  
  1022.  
  1023.  
  1024. <h3 class="wp-block-heading">Eligible applicants</h3>
  1025.  
  1026.  
  1027.  
  1028. <ul class="wp-block-list">
  1029. <li>Indian resident individuals</li>
  1030.  
  1031.  
  1032.  
  1033. <li>Hindu Undivided Families (HUFs)</li>
  1034.  
  1035.  
  1036.  
  1037. <li>Proprietorships, partnerships, and private limited companies (for business use cases)</li>
  1038.  
  1039.  
  1040.  
  1041. <li>Investors with mutual fund units in dematerialised format</li>
  1042. </ul>
  1043.  
  1044.  
  1045.  
  1046. <p>NRIs are not usually eligible for this facility due to regulatory restrictions, unless permitted under specific NRO account conditions.</p>
  1047.  
  1048.  
  1049.  
  1050. <h3 class="wp-block-heading">Fund eligibility</h3>
  1051.  
  1052.  
  1053.  
  1054. <p>Not all mutual fund schemes are accepted by lenders. Eligibility depends on:</p>
  1055.  
  1056.  
  1057.  
  1058. <ul class="wp-block-list">
  1059. <li>Scheme being listed and NAV being regularly disclosed</li>
  1060.  
  1061.  
  1062.  
  1063. <li>Units held in demat form (via NSDL or CDSL)</li>
  1064.  
  1065.  
  1066.  
  1067. <li>The asset management company (AMC) being SEBI-registered</li>
  1068.  
  1069.  
  1070.  
  1071. <li>Scheme liquidity and historical volatility</li>
  1072. </ul>
  1073.  
  1074.  
  1075.  
  1076. <p>Closed-ended, thematic, or international funds are generally not accepted as collateral due to higher market and liquidity risk.</p>
  1077.  
  1078.  
  1079.  
  1080. <h2 class="wp-block-heading">Documentation required</h2>
  1081.  
  1082.  
  1083.  
  1084. <p>Lenders usually ask for the following documents when you apply for a loan against mutual funds:</p>
  1085.  
  1086.  
  1087.  
  1088. <ul class="wp-block-list">
  1089. <li>Completed application form</li>
  1090.  
  1091.  
  1092.  
  1093. <li>KYC documents (PAN card, Aadhaar, address proof)</li>
  1094.  
  1095.  
  1096.  
  1097. <li>Demat account statement showing mutual fund holdings</li>
  1098.  
  1099.  
  1100.  
  1101. <li>Income proof (may be waived in some cases)</li>
  1102.  
  1103.  
  1104.  
  1105. <li>Bank account details for disbursal and repayment</li>
  1106. </ul>
  1107.  
  1108.  
  1109.  
  1110. <p>The process is often seamless and can be completed online if your mutual fund units are held in eligible digital platforms linked to your <a href="https://www.financebuzz.net/how-different-is-a-minor-demat-account-from-a-regular-demat-account/" target="_blank" rel="noreferrer noopener">demat account</a>.</p>
  1111.  
  1112.  
  1113.  
  1114. <h2 class="wp-block-heading"><strong>Interest rate and repayment terms</strong></h2>
  1115.  
  1116.  
  1117.  
  1118. <p>The interest rate for a loan against mutual funds is typically lower than unsecured personal loans, as it is backed by collateral. In 2025, interest rates generally range from:</p>
  1119.  
  1120.  
  1121.  
  1122. <ul class="wp-block-list">
  1123. <li>9 percent to 11 percent for equity fund loans</li>
  1124.  
  1125.  
  1126.  
  1127. <li>8 percent to 10 percent for debt fund loans</li>
  1128. </ul>
  1129.  
  1130.  
  1131.  
  1132. <p>Some lenders offer overdraft facilities where you are charged interest only on the amount drawn, not the entire sanctioned limit.</p>
  1133.  
  1134.  
  1135.  
  1136. <h3 class="wp-block-heading"><strong>Repayment</strong></h3>
  1137.  
  1138.  
  1139.  
  1140. <p>Repayment terms may vary, but the typical options include:</p>
  1141.  
  1142.  
  1143.  
  1144. <ul class="wp-block-list">
  1145. <li>Tenures of up to 12 to 36 months</li>
  1146.  
  1147.  
  1148.  
  1149. <li>Interest-only payments with bullet repayment of principal</li>
  1150.  
  1151.  
  1152.  
  1153. <li>EMI-based repayment (principal plus interest)</li>
  1154.  
  1155.  
  1156.  
  1157. <li>No foreclosure charges in many cases</li>
  1158. </ul>
  1159.  
  1160.  
  1161.  
  1162. <p>Failure to repay or maintain required margin levels may result in the lender liquidating the pledged units to recover dues.</p>
  1163.  
  1164.  
  1165.  
  1166. <h2 class="wp-block-heading"><strong>Factors that influence the loan amount</strong></h2>
  1167.  
  1168.  
  1169.  
  1170. <p>While the <a href="https://www.investopedia.com/terms/n/nav.asp" target="_blank" rel="noreferrer noopener">NAV</a> and LTV play the largest roles in deciding the maximum loan amount, the following also impact the final sanction:</p>
  1171.  
  1172.  
  1173.  
  1174. <ul class="wp-block-list">
  1175. <li><strong>Fund category</strong>: Lower volatility funds (e.g., liquid or short-duration debt funds) allow higher LTVs</li>
  1176.  
  1177.  
  1178.  
  1179. <li><strong>Borrower profile</strong>: Existing bank customers with strong credit history may get preferential terms or higher limits</li>
  1180.  
  1181.  
  1182.  
  1183. <li><strong>Market conditions</strong>: In times of high volatility, lenders may revise LTVs or limit exposure to equity-heavy portfolios</li>
  1184.  
  1185.  
  1186.  
  1187. <li><strong>Pledge approval time</strong>: The speed of lien marking by the depository (NSDL/CDSL) can also affect how soon you can access the funds</li>
  1188. </ul>
  1189.  
  1190.  
  1191.  
  1192. <h2 class="wp-block-heading">Benefits of using this facility</h2>
  1193.  
  1194.  
  1195.  
  1196. <p>Opting for a loan against mutual funds offers several practical advantages:</p>
  1197.  
  1198.  
  1199.  
  1200. <ul class="wp-block-list">
  1201. <li>Quick access to liquidity without redeeming investments</li>
  1202.  
  1203.  
  1204.  
  1205. <li>Continued compounding of mutual fund units</li>
  1206.  
  1207.  
  1208.  
  1209. <li>Lower interest cost than credit cards or personal loans</li>
  1210.  
  1211.  
  1212.  
  1213. <li>No need to disturb long-term goals such as retirement or a child’s education</li>
  1214.  
  1215.  
  1216.  
  1217. <li>Minimal documentation and no impact on credit score (unless defaulted)</li>
  1218. </ul>
  1219.  
  1220.  
  1221.  
  1222. <h2 class="wp-block-heading">Limitations and precautions</h2>
  1223.  
  1224.  
  1225.  
  1226. <p>Before deciding to apply, keep in mind the following risks and limitations:</p>
  1227.  
  1228.  
  1229.  
  1230. <ul class="wp-block-list">
  1231. <li>NAV fluctuations may result in margin calls or top-up requirements</li>
  1232.  
  1233.  
  1234.  
  1235. <li>Fund units remain locked until full repayment</li>
  1236.  
  1237.  
  1238.  
  1239. <li>Overuse of leverage may disturb your broader asset allocation strategy</li>
  1240.  
  1241.  
  1242.  
  1243. <li>Not all funds or AMCs may be accepted as collateral</li>
  1244. </ul>
  1245.  
  1246.  
  1247.  
  1248. <p>You should always ensure that the loan is used for genuine financial needs and not for speculative investing or lifestyle spending.</p>
  1249.  
  1250.  
  1251.  
  1252. <h2 class="wp-block-heading">Conclusion</h2>
  1253.  
  1254.  
  1255.  
  1256. <p>The maximum loan you can get against mutual funds depends primarily on the type and value of your holdings, the <a href="https://en.wikipedia.org/wiki/Loan-to-value_ratio" target="_blank" rel="noreferrer noopener">loan-to-value ratio</a>, and the lender’s policies. While the cap may go up to several crores, especially for debt fund portfolios, responsible usage is key.</p>
  1257.  
  1258.  
  1259.  
  1260. <p>By understanding the loan against mutual funds eligibility, documentation, and associated risks, you can leverage this facility effectively for short-term financial needs while maintaining your long-term investment goals. With digital platforms simplifying the application and lien-marking process, borrowing against mutual funds is now more accessible, flexible, and investor-friendly than ever before.</p>
  1261. <p>The post <a href="https://www.financebuzz.net/maximum-loan-against-mutual-funds/">What Is the Maximum Loan You Can Get Against Mutual Funds?</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1262. ]]></content:encoded>
  1266. </item>
  1267. <item>
  1268. <title>Creative Exterior Wall Tiles Design Ideas for Your Home</title>
  1269. <link>https://www.financebuzz.net/exterior-wall-tiles-design-ideas/</link>
  1271. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  1272. <pubDate>Fri, 25 Jul 2025 08:32:37 +0000</pubDate>
  1273. <category><![CDATA[BUSINESS]]></category>
  1274. <category><![CDATA[Exterior wall tile design]]></category>
  1275. <guid isPermaLink="false">https://www.financebuzz.net/?p=6914</guid>
  1276.  
  1277. <description><![CDATA[<p>When it comes to elevating your home’s first impression, few elements are as impactful as...</p>
  1278. <p>The post <a href="https://www.financebuzz.net/exterior-wall-tiles-design-ideas/">Creative Exterior Wall Tiles Design Ideas for Your Home</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1279. ]]></description>
  1280. <content:encoded><![CDATA[
  1281. <p>When it comes to elevating your home’s first impression, few elements are as impactful as well-chosen outdoor tiles. The right exterior wall tile design can instantly enhance curb appeal, add character, and reflect your personal style. Whether you&#8217;re aiming for a sleek contemporary facade or a rustic natural look, innovative tile designs offer countless possibilities to transform dull exteriors into striking visual features.</p>
  1282.  
  1283.  
  1284.  
  1285. <p>In this guide, we explore creative design ideas to help you make a lasting impression, right from the outside.</p>
  1286.  
  1287.  
  1288.  
  1289. <h2 class="wp-block-heading">1. Mixing Earthy Textures with Modern Shapes</h2>
  1290.  
  1291.  
  1292.  
  1293. <p>Plain finishes are safe, but if you opt for safe options, they won’t make a lasting impression on visitors. You can opt for mixing earthy tones, such as terracotta, clay, or slate, with unique tile shapes that add a touch of character to your home. These types of&nbsp;<a href="https://www.simpolo.com/blog/20-top-exterior-wall-tiles-designs-for-your-home" target="_blank" rel="noreferrer noopener">exterior wall tile designs</a>&nbsp;work well if placed on corner boundaries, compound walls, or even open foyers.</p>
  1294.  
  1295.  
  1296.  
  1297. <p>Collections like Horizon Cardo Dove Texture from premium suppliers such as Simpolo Tiles and Bathware are excellent examples of such tiles. These tiles can also blend well with neutral paints, such as cream or taupe. If you&#8217;re dealing with a low-lit compound wall or a shadowy patio corner, these tiles can brighten up the space.</p>
  1298.  
  1299.  
  1300.  
  1301. <h2 class="wp-block-heading">2. Combining Gloss with Neutral Walls for Small Front Porches</h2>
  1302.  
  1303.  
  1304.  
  1305. <p>Glossy textures can reflect light better. If your porch has limited sunlight or is shaded, tile collections from premium brands can be great options for you. The light base with soft veins adds a polished effect while the tone remains familiar. If you pair this with dark wooden doors or metal railings, you won’t even need to add extra furniture or plants for decoration.</p>
  1306.  
  1307.  
  1308.  
  1309. <p>A common issue with&nbsp;<a href="https://www.simpolo.com/tiles/outdoor-tiles" target="_blank" rel="noreferrer noopener">outdoor tiles</a>&nbsp;has been predicting how they will look once installed. Today, a premium supplier like Simpolo Tiles and Bathware lets you visualise that part with their Virtual Space Creator. You can design an entire exterior wall layout using actual product visuals, allowing you to see how different tiles would look on your compound, stair wall, or porch space, and even switch them around with just a few taps.</p>
  1310.  
  1311.  
  1312.  
  1313. <h2 class="wp-block-heading">3. Stone-Look Tiles for Staircase Walls and Front Railings</h2>
  1314.  
  1315.  
  1316.  
  1317. <p>Outdoor stairs are often overlooked in front elevation design. But if you observe the sides of the stair wall, they are actually perfect spots to add a little character to your space. Using tile textures that mimic slate, limestone, or rough-cut stone can help you frame the stairs as part of the home’s look.</p>
  1318.  
  1319.  
  1320.  
  1321. <p>You can explore collections where tiles have the look of being hand-cut but are engineered for uniform thickness and surface grip. These work best when the stair railing is kept simple, either done in black steel or natural wood.</p>
  1322.  
  1323.  
  1324.  
  1325. <h2 class="wp-block-heading">4. Vertical Breaks with Patterned Tiles for Tall Walls</h2>
  1326.  
  1327.  
  1328.  
  1329. <p>Large compound walls can sometimes feel too stretched or flat, and many homeowners now try to avoid this by adding vertical breaks using patterned tiles in strips. You can keep a monochromatic tile for most of the wall, but then add vertical tile columns in a textured or printed finish every few feet to get that visual break.</p>
  1330.  
  1331.  
  1332.  
  1333. <p>The key to making this work is using the correct scale. If the wall is below 8 feet, it is best to go for medium-width columns. Taller walls, on the other hand, can carry broader tile strips. This will help break up the visual weight. Two or three strips are usually enough for a standard front boundary. You can stick to symmetry for a balanced look or opt for an asymmetrical look if your home’s outer colour and architecture allow for a more creative approach.</p>
  1334.  
  1335.  
  1336.  
  1337. <h2 class="wp-block-heading">5. Muted Grey or Sandstone Tiles for Modern Single-Floor Homes</h2>
  1338.  
  1339.  
  1340.  
  1341. <p>For homes with a single floor, the goal is to blend elegance with simplicity. Muted tile colours in grey, beige, or sandstone can be ideal for this space, as they tie together the facade, staircase, and entry without making the exterior feel too bold.</p>
  1342.  
  1343.  
  1344.  
  1345. <p>To make this combination work, consider creating a 2-foot-high border at the base of the wall and framing the door or stair wall in the same tile. These are easy to maintain, and their neutral tone blends quite well whether your outer wall is whitewashed, textured, or painted in deeper colours like brown or charcoal.</p>
  1346.  
  1347.  
  1348.  
  1349. <p><strong>Read More: <a href="https://www.financebuzz.net/top-security-gadgets-for-enhanced-home-security/" target="_blank" rel="noreferrer noopener">Top Security Gadgets for Enhanced Home Security</a></strong></p>
  1350.  
  1351.  
  1352.  
  1353. <h2 class="wp-block-heading">Conclusion</h2>
  1354.  
  1355.  
  1356.  
  1357. <p>Outdoor tiles are now stronger than ever and offer a wide range of styles and varieties. With eminent brands, you get designs tailored for Indian weather.&nbsp; If you&#8217;re not feeling confident about committing to a complete tile design for your exterior, you can always start small. Choose just one part of the house, like a section of the boundary wall or a stair wall, and experiment. Once you see the difference it makes, the idea of expanding that look becomes much easier and more exciting.</p>
  1358. <p>The post <a href="https://www.financebuzz.net/exterior-wall-tiles-design-ideas/">Creative Exterior Wall Tiles Design Ideas for Your Home</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1359. ]]></content:encoded>
  1363. </item>
  1364. <item>
  1365. <title>How to Open a Business Bank Account in Dubai: A Step-by-Step Guide for Entrepreneurs</title>
  1366. <link>https://www.financebuzz.net/open-business-bank-account-dubai/</link>
  1368. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  1369. <pubDate>Thu, 24 Jul 2025 17:13:15 +0000</pubDate>
  1370. <category><![CDATA[FINANCE]]></category>
  1371. <category><![CDATA[Business bank account in Dubai]]></category>
  1372. <guid isPermaLink="false">https://www.financebuzz.net/?p=6911</guid>
  1373.  
  1374. <description><![CDATA[<p>For Indian entrepreneurs planning to set up a venture in Dubai, one of the first...</p>
  1375. <p>The post <a href="https://www.financebuzz.net/open-business-bank-account-dubai/">How to Open a Business Bank Account in Dubai: A Step-by-Step Guide for Entrepreneurs</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1376. ]]></description>
  1377. <content:encoded><![CDATA[
  1378. <p>For Indian entrepreneurs planning to set up a venture in Dubai, one of the first practical steps after incorporation is opening a business bank account. It’s not just a formality but a foundational move that enables you to manage money flow, handle payments, meet compliance needs, and gain credibility in the eyes of partners and clients.</p>
  1379.  
  1380.  
  1381.  
  1382. <p>Dubai’s strategic location, business-friendly laws, and robust financial systems make it a preferred destination for startups, SMEs, and established players alike. Let’s walk you through how to get started with <a href="https://dhanguard.com/business-bank-account-in-uae" target="_blank" rel="noreferrer noopener">business account opening in UAE</a>, what documents you’ll need, and the steps to follow.</p>
  1383.  
  1384.  
  1385.  
  1386. <h2 class="wp-block-heading">Steps to Open a Business Bank Account in Dubai</h2>
  1387.  
  1388.  
  1389.  
  1390. <p>Let’s explore the key steps on how to <a href="https://www.financebuzz.net/opening-business-bank-account/" target="_blank" rel="noreferrer noopener">open a business bank account</a> in Dubai:</p>
  1391.  
  1392.  
  1393.  
  1394. <h3 class="wp-block-heading">1. Research and Choose a Suitable Bank</h3>
  1395.  
  1396.  
  1397.  
  1398. <p>To begin with, initiate the process by comparing different banks purely on the basis of services, fees, convenience of access, and service. Check whether the bank offers online banking, multi-currency accounts, and support such as payroll or trade finance.</p>
  1399.  
  1400.  
  1401.  
  1402. <h3 class="wp-block-heading">2. Get a Valid Trade Licence</h3>
  1403.  
  1404.  
  1405.  
  1406. <p>Make sure your business is legally registered with either a Free Zone authority or the Department of Economic Development. However, this licence is mandatory for account approval.</p>
  1407.  
  1408.  
  1409.  
  1410. <h3 class="wp-block-heading">3. Compile All Required Documents</h3>
  1411.  
  1412.  
  1413.  
  1414. <p>Keep your paperwork in order and updated. Incomplete applications are a common reason for delays.</p>
  1415.  
  1416.  
  1417.  
  1418. <h3 class="wp-block-heading">4. Submit Application</h3>
  1419.  
  1420.  
  1421.  
  1422. <p>Submit your application either online or by visiting a branch. While some banks allow online forms, an in-person visit is often preferred for identity verification.</p>
  1423.  
  1424.  
  1425.  
  1426. <h3 class="wp-block-heading">5. Go Through the Bank’s Internal Checks</h3>
  1427.  
  1428.  
  1429.  
  1430. <p>The bank will verify your application and may contact you for further information. Compliance checks are standard practice and help meet UAE banking norms.</p>
  1431.  
  1432.  
  1433.  
  1434. <h3 class="wp-block-heading">6. Get Account Activation</h3>
  1435.  
  1436.  
  1437.  
  1438. <p>Once your application is approved, you’ll receive account credentials. You can then request your cheque book, set up online banking, and begin operating your account.</p>
  1439.  
  1440.  
  1441.  
  1442. <h3 class="wp-block-heading">7. Stay Compliant</h3>
  1443.  
  1444.  
  1445.  
  1446. <p>Ensure you maintain the required minimum balance and respond to any information requests from the bank to avoid restrictions.</p>
  1447.  
  1448.  
  1449.  
  1450. <h2 class="wp-block-heading">Documents Required for Company Bank Account Opening in Dubai</h2>
  1451.  
  1452.  
  1453.  
  1454. <p>Before you begin the application process, keep the following documents handy:</p>
  1455.  
  1456.  
  1457.  
  1458. <ul class="wp-block-list">
  1459. <li>Valid trade licence</li>
  1460.  
  1461.  
  1462.  
  1463. <li>Passports of all shareholders or partners</li>
  1464.  
  1465.  
  1466.  
  1467. <li>Emirates ID and visa copy (if resident)</li>
  1468.  
  1469.  
  1470.  
  1471. <li>Memorandum of Association</li>
  1472.  
  1473.  
  1474.  
  1475. <li>Office lease agreement or tenancy contract</li>
  1476.  
  1477.  
  1478.  
  1479. <li>Company incorporation certificate</li>
  1480.  
  1481.  
  1482.  
  1483. <li>A brief business profile or plan</li>
  1484.  
  1485.  
  1486.  
  1487. <li>Evidence of business activity, such as contracts or invoices</li>
  1488. </ul>
  1489.  
  1490.  
  1491.  
  1492. <h2 class="wp-block-heading">Conclusion</h2>
  1493.  
  1494.  
  1495.  
  1496. <p>Dubai offers a safe and international financial set-up. The advantages are hard to ignore, whether we are talking about multi-currency flexibility or the availability of sophisticated banking tools. Nonetheless, the form of open business account in Dubai by the company is a systematic procedure which requires accuracy and adherence.</p>
  1497.  
  1498.  
  1499.  
  1500. <p>The process can be a lot easier with the help of experts, given that Indian entrepreneurs might not be familiar with the UAE regulations. A reputed business consultancy agency like Dhanguard can assist you in documentation, bank selection, and set up, and you can concentrate on expanding your business.</p>
  1501. <p>The post <a href="https://www.financebuzz.net/open-business-bank-account-dubai/">How to Open a Business Bank Account in Dubai: A Step-by-Step Guide for Entrepreneurs</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1502. ]]></content:encoded>
  1506. </item>
  1507. <item>
  1508. <title>IOB Bank Net Banking: Registration, Login, Password Reset &#038; Features</title>
  1509. <link>https://www.financebuzz.net/iob-bank-net-banking/</link>
  1511. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  1512. <pubDate>Thu, 24 Jul 2025 10:17:00 +0000</pubDate>
  1513. <category><![CDATA[BANKING]]></category>
  1514. <category><![CDATA[IOB Bank Net Banking]]></category>
  1515. <category><![CDATA[IOB Internet banking]]></category>
  1516. <category><![CDATA[IOB online banking]]></category>
  1517. <category><![CDATA[online banking service]]></category>
  1518. <guid isPermaLink="false">https://www.financebuzz.net/?p=5060</guid>
  1519.  
  1520. <description><![CDATA[<p>Indian Overseas Bank, abbreviated IOB, is a public sector bank headquartered in Chennai. This bank...</p>
  1521. <p>The post <a href="https://www.financebuzz.net/iob-bank-net-banking/">IOB Bank Net Banking: Registration, Login, Password Reset &amp; Features</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1522. ]]></description>
  1523. <content:encoded><![CDATA[
  1524. <p>Indian Overseas Bank, abbreviated IOB, is a public sector bank headquartered in Chennai. This bank has approximately <a href="https://www.codeforbanks.com/banks/indian-overseas-bank/state-wise-branches/" rel="nofollow">3,381 branches in India</a> as of February 2025 and four branches abroad.</p>
  1525.  
  1526.  
  1527.  
  1528. <p>Like any other bank, Indian Overseas Bank is also committed to providing online banking facilities to its customers. Keeping this in mind, IOB started the net banking service.</p>
  1529.  
  1530.  
  1531.  
  1532. <p>IOB Bank Net Banking is an online banking service provided by Indian Overseas Bank to its customers. IOB Net Banking service allows customers to manage their bank account and <a href="https://www.financebuzz.net/how-technology-is-revolutionizing-international-money-transfers/" target="_blank" rel="noreferrer noopener">transfer funds</a> online anytime by sitting anywhere. You need a mobile or laptop with a smooth internet connection to use the IOB Bank Net Banking service.</p>
  1533.  
  1534.  
  1535.  
  1536. <p>Many of you will be active customers of IOB Bank. I will share complete information about IOB Bank Net Banking Registration Process, Login Process, Password Reset, and its unique features in this article.</p>
  1537.  
  1538.  
  1539.  
  1540. <p>But before proceeding further, let us understand what is IOB net banking.</p>
  1541.  
  1542.  
  1543.  
  1544. <h2 class="wp-block-heading">What is IOB Bank Net Banking</h2>
  1545.  
  1546.  
  1547.  
  1548. <p>IOB bank net banking is an online banking service provided by Indian Overseas Bank to its customers. The IOB Net Banking enables its customers to access many banking services online without visiting the physical Bank branch. Customers can transfer funds from their accounts to other bank accounts, see and download account statements of selected periods, manage their loan accounts, if any, and <a href="https://www.financebuzz.net/how2invest/" target="_blank" rel="noreferrer noopener">invest their money</a> in fixed deposit, mutual funds, or various bank schemes all at sitting there place.</p>
  1549.  
  1550.  
  1551.  
  1552. <h2 class="wp-block-heading">Top Features of IOB Net Banking</h2>
  1553.  
  1554.  
  1555.  
  1556. <p>Internet Banking provides many facilities and features of Internet Banking. </p>
  1557.  
  1558.  
  1559.  
  1560. <p><strong>Some of the top features are given below:</strong></p>
  1561.  
  1562.  
  1563.  
  1564. <p><strong>1. Account Information:</strong>&nbsp;Thebe customers can get all the information about their bank account like they can view their bank balance, view their transaction history, download account balance, and much more</p>
  1565.  
  1566.  
  1567.  
  1568. <p><strong>2. Fund Transfer:</strong>&nbsp;IOB Net Banking also provides the facility for its customers to transfer funds quickly. Customers can transfer funds to any of their accounts and can also transfer funds to any other bank through RTGS, NEFT, and IMPS.</p>
  1569.  
  1570.  
  1571.  
  1572. <p><strong>3. Bill Payment:</strong>&nbsp;Through IOB Net Banking, customers can pay utility bills like water, telephone, and credit cards.</p>
  1573.  
  1574.  
  1575.  
  1576. <p><strong>4. Loan Account Management:</strong>&nbsp;Through IOB Net Banking, you can also manage your loan account; you can see your outstanding amount, know when the next monthly installment is due, and how much the loan has been repaid till now. You can also know this and enable auto payment.</p>
  1577.  
  1578.  
  1579.  
  1580. <p><strong>5. Investment:</strong>&nbsp;Through IOB Net Banking, you can invest your money in various investment schemes sitting at home, like making fixed deposits, investing in mutual funds, and many other investment schemes.</p>
  1581.  
  1582.  
  1583.  
  1584. <p><strong>6. Check Various Offers by Bank</strong>: After logging into IOB Net Banking, you can also see information about various offers your bank gives. For example, Ekta Bank is offering you a cheap loan, your credit limit has been increased, or some special offers have been made specifically for you.</p>
  1585.  
  1586.  
  1587.  
  1588. <p>So, by now, you must have known the benefits of Internet Banking. Now, let&#8217;s go directly to the registration process.</p>
  1589.  
  1590.  
  1591.  
  1592. <h2 class="wp-block-heading">Steps to Register for IOB Net Banking</h2>
  1593.  
  1594.  
  1595.  
  1596. <p>If you also want to take advantage of the IOB Net banking facility, then first of all, you will have to register.</p>
  1597.  
  1598.  
  1599.  
  1600. <p><strong>You can register for IOB net banking by following the steps given below:</strong></p>
  1601.  
  1602.  
  1603.  
  1604. <p><strong>Step 1</strong>. First of all, open the official website of IOB Bank Net Banking in your browser, which is&nbsp;<a href="http://www.banknet.co.in/banking/html/index.html">http://www.banknet.co.in/</a></p>
  1605.  
  1606.  
  1607.  
  1608. <p><strong>Step 2.</strong>&nbsp;Now, you must click the “Continue to Internet Banking Home Page” button to redirect you to the Internet Banking Home Page.</p>
  1609.  
  1610.  
  1611.  
  1612. <p><strong>Step 3.</strong>&nbsp;Here, you will get the option of Register under Personal Banking on the left-hand side. You have to click on the register button.</p>
  1613.  
  1614.  
  1615.  
  1616. <p><strong>Step 4.</strong>&nbsp;After opening the registration form, enter your 15-digit account number in &#8220;Account Particular&#8221; at the top. Below that, in the “Contact Particulars” field, select the country after entering the email address and then enter the mobile number. Then, in the &#8220;User Particulars&#8221; section below, after entering the user ID, you have to enter your password, enter the same password again and verify it.</p>
  1617.  
  1618.  
  1619.  
  1620. <p><strong>Step 5.</strong>&nbsp;After entering the captcha, you must click the submit button. You will receive an SMS on your mobile number within a few seconds. After entering the OTP, click on the Submit button.</p>
  1621.  
  1622.  
  1623.  
  1624. <p>Now, you are ready to use IOB net banking.</p>
  1625.  
  1626.  
  1627.  
  1628. <div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex">
  1629. <div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.iobnet.co.in/ibanking/indregnew.do?mode=I" target="_blank" rel="noreferrer noopener">Register Now</a></div>
  1630. </div>
  1631.  
  1632.  
  1633.  
  1634. <p>Let us now know about the IOB Internet banking Login process.</p>
  1635.  
  1636.  
  1637.  
  1638. <h2 class="wp-block-heading">Steps To Login Into IOB Net Banking</h2>
  1639.  
  1640.  
  1641.  
  1642. <p><strong>Follow the easy steps given to log in to IOB Internet Banking:</strong></p>
  1643.  
  1644.  
  1645.  
  1646. <p><strong>Step 1.</strong> First of all, open the official website of <a href="https://www.iobnet.co.in/ibanking/html/index.html" target="_blank" rel="noreferrer noopener">IOB Bank Net Banking</a> in your browser, or visit <a href="https://www.iobnet.co.in/ibanking/html/index1.html">https://www.iobnet.co.in/ibanking/html/index1.html</a></p>
  1647.  
  1648.  
  1649.  
  1650. <p><strong>Step 2.</strong>&nbsp;Now, you have to click the “Continue to Internet Banking Home Page” button to redirect you to the Internet Banking Home page.</p>
  1651.  
  1652.  
  1653.  
  1654. <p><strong>Step 3.</strong> Here, you must click the &#8220;<strong>Personal Login</strong>&#8221; button on the right-hand side.</p>
  1655.  
  1656.  
  1657.  
  1658. <p><strong>Step 4.</strong>&nbsp;Enter your user ID and password, and select the Account from the drop-down menu.</p>
  1659.  
  1660.  
  1661.  
  1662. <p><strong>Step 5.</strong>&nbsp;Now, after verifying the captcha, click on the login button.</p>
  1663.  
  1664.  
  1665.  
  1666. <p>Now, you are ready to use your IOB Internet Banking.</p>
  1667.  
  1668.  
  1669.  
  1670. <div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex">
  1671. <div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.iobnet.co.in/ibanking/login.do" target="_blank" rel="noreferrer noopener">Login Now</a></div>
  1672. </div>
  1673.  
  1674.  
  1675.  
  1676. <p>What if you forget your Internet Banking Password? No problem; you can reset the password easily.</p>
  1677.  
  1678.  
  1679.  
  1680. <h2 class="wp-block-heading">Steps to Reset the IOB Bank Internet Banking Password</h2>
  1681.  
  1682.  
  1683.  
  1684. <p><strong>If you have forgotten your password and want to reset your password, follow the steps given below:</strong></p>
  1685.  
  1686.  
  1687.  
  1688. <p><strong>Step 1.</strong>&nbsp;First of all, open the official website of IOB Bank Net Banking in your browser, which is <a href="https://www.iobnet.co.in/ibanking/resetpassword.do?moduleId=I" target="_blank" rel="noreferrer noopener">https://www.iobnet.co.in/ibanking/resetpassword.do?moduleId=I</a></p>
  1689.  
  1690.  
  1691.  
  1692. <p><strong>Step 2.</strong>&nbsp;Now, you have to click the “Continue to Internet Banking Home Page” button to redirect you to the Internet Banking Home page.</p>
  1693.  
  1694.  
  1695.  
  1696. <p><strong>Step 3.</strong>&nbsp;Here, you have to click on the Personal Banking option on the left-hand side; now, you will find the Forgot Password option on the right side; with the lock key sign, you have to click on it, and a new window will open.</p>
  1697.  
  1698.  
  1699.  
  1700. <p><strong>Step 4.</strong>&nbsp;You must enter your user ID, 15-digit account number, email ID and captcha and click the Continue button.</p>
  1701.  
  1702.  
  1703.  
  1704. <p><strong>Step 5.</strong>&nbsp;You will receive an SMS with OTP on your registered mobile number; after entering the OTP, you can enter a new password, enter the same password again to verify it, and click on the submit button.</p>
  1705.  
  1706.  
  1707.  
  1708. <p>Your password has been reset.</p>
  1709.  
  1710.  
  1711.  
  1712. <p>Now let us know some unique advantages of Internet Banking services.</p>
  1713.  
  1714.  
  1715.  
  1716. <h2 class="wp-block-heading">Advantages of IOB Bank Net Banking</h2>
  1717.  
  1718.  
  1719.  
  1720. <p><strong>1. 24/7 Availability:</strong>&nbsp;Like Internet Banking of any other bank, IOB Net Banking gives you 24/7 hour service. You can use banking services by logging into your internet banking anytime, anywhere.</p>
  1721.  
  1722.  
  1723.  
  1724. <p><strong>2. User Interface:</strong>&nbsp;IOB Bank Net Banking Postal is very user-friendly; anyone can easily use the banking service.</p>
  1725.  
  1726.  
  1727.  
  1728. <p><strong>3. Convenience:</strong>&nbsp;IOB Bank&#8217;s net banking service provides a complete banking facility from the comfort of your home. You can pay utility bills, transfer funds, and check account statements.</p>
  1729.  
  1730.  
  1731.  
  1732. <p><strong>4. Security:</strong>&nbsp;IOB Internet Banking uses two-factor authentication. So you can take advantage of Internet banking without worries; your data is safe.</p>
  1733.  
  1734.  
  1735.  
  1736. <p><strong>5. Free of Cost:</strong>&nbsp;Internet Banking service is free. However, you may need to pay the fee applicable for a few services like RTGS, NEFT, IMPS, etc. There is no charge for using an Internet Banking Platform.</p>
  1737.  
  1738.  
  1739.  
  1740. <h3 class="wp-block-heading">Conclusion:&nbsp;</h3>
  1741.  
  1742.  
  1743.  
  1744. <p>IOB Bank Net Banking is an online banking facility provided by Indian Overseas Bank to its customers to manage their accounts online without visiting the physical bank branch. To avail of this service, customers must have to do registration and then log into their account.</p>
  1745.  
  1746.  
  1747.  
  1748. <h3 style="margin-bottom:20px;display:block;width:100%;margin-top:10px">Frequently Asked Question (FAQ&#8217;s) </h3>
  1749. <style>
  1750. <style>
  1751. #wpsm_accordion_5064 .wpsm_panel-heading{
  1752. padding:0px !important;
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  1768. }
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  1775. color:#000000 !important;
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  1778. color: #000000 !important;
  1779. background-color:#ffffff !important;
  1780. border-color: #ddd;
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  1783. color: #000000 !important;
  1784. background-color: #ffffff !important;
  1785. border-color: #ffffff !important;
  1786. border-top-left-radius: 0px;
  1787. border-top-right-radius: 0px;
  1788. }
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  1790. border:1px solid transparent !important;
  1791. }
  1792. #wpsm_accordion_5064 {
  1793. margin-bottom: 20px;
  1794. overflow: hidden;
  1795. float: none;
  1796. width: 100%;
  1797. display: block;
  1798. }
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  1800. display: block;
  1801. padding-top: 12px;
  1802. padding-bottom: 12px;
  1803. padding-left: 15px;
  1804. padding-right: 15px;
  1805. }
  1806. #wpsm_accordion_5064  .wpsm_panel {
  1807. overflow:hidden;
  1808. -webkit-box-shadow: 0 0px 0px rgba(0, 0, 0, .05);
  1809. box-shadow: 0 0px 0px rgba(0, 0, 0, .05);
  1810. border-radius: 4px;
  1811. }
  1812. #wpsm_accordion_5064  .wpsm_panel + .wpsm_panel {
  1813. margin-top: 5px;
  1814. }
  1815. #wpsm_accordion_5064  .wpsm_panel-body{
  1816. background-color:#ffffff !important;
  1817. color:#000000 !important;
  1818. border-top-color: #ffffff !important;
  1819. font-size:18px !important;
  1820. font-family: Open Sans !important;
  1821. overflow: hidden;
  1822. border: 2px solid #ffffff !important;
  1823. }
  1824.  
  1825. #wpsm_accordion_5064 .ac_open_cl_icon{
  1826. background-color:#ffffff !important;
  1827. color: #000000 !important;
  1828. float:right !important;
  1829. padding-top: 12px !important;
  1830. padding-bottom: 12px !important;
  1831. line-height: 1.0 !important;
  1832. padding-left: 15px !important;
  1833. padding-right: 15px !important;
  1834. display: inline-block !important;
  1835. }
  1836.  
  1838. </style>
  1839. </style>
  1840. <div class="wpsm_panel-group" id="wpsm_accordion_5064" >
  1842. <!-- Inner panel Start -->
  1843. <div class="wpsm_panel wpsm_panel-default">
  1844. <div class="wpsm_panel-heading" role="tab" >
  1845.  <h4 class="wpsm_panel-title">
  1846. <a  class=""  data-toggle="collapse" data-parent="#wpsm_accordion_5064 " href="javascript:void(0)" data-target="#ac_5064_collapse1" onclick="do_resize()">
  1847. <span class="ac_open_cl_icon fa fa-minus"></span>
  1850. <span class="ac_title_class">
  1851. Who is Eligible for IOB Internet Banking? </span>
  1852. </a>
  1853.  </h4>
  1854. </div>
  1855. <div id="ac_5064_collapse1" class="wpsm_panel-collapse collapse in"  >
  1856.  <div class="wpsm_panel-body">
  1857. Anyone with an active bank account with Indian Overseas Bank is eligible. However, the bank may ask you to maintain the minimum amount in your Account.  </div>
  1858. </div>
  1859. </div>
  1860. <!-- Inner panel End -->
  1863. <!-- Inner panel Start -->
  1864. <div class="wpsm_panel wpsm_panel-default">
  1865. <div class="wpsm_panel-heading" role="tab" >
  1866.  <h4 class="wpsm_panel-title">
  1867. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_5064 " href="javascript:void(0)" data-target="#ac_5064_collapse2" onclick="do_resize()">
  1868. <span class="ac_open_cl_icon fa fa-plus"></span>
  1871. <span class="ac_title_class">
  1872. Is IOB Internet Banking Service completely free? </span>
  1873. </a>
  1874.  </h4>
  1875. </div>
  1876. <div id="ac_5064_collapse2" class="wpsm_panel-collapse collapse "  >
  1877.  <div class="wpsm_panel-body">
  1878. Yes, IOB Internet banking services are free, and you only need to pay the service fee applicable for any particular service you are availing.  </div>
  1879. </div>
  1880. </div>
  1881. <!-- Inner panel End -->
  1883. </div>
  1885. <script type="text/javascript">
  1887. function do_resize(){
  1888.  
  1889. var width=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).width();
  1890. var height=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).height();
  1891.  
  1892. var toggleSize = true;
  1893. jQuery('iframe').animate({
  1894.    width: toggleSize ? width : 640,
  1895.    height: toggleSize ? height : 360
  1896.  }, 250);
  1897.  
  1898.  toggleSize = !toggleSize;
  1899. }
  1901. </script>
  1902.  
  1903.  
  1904.  
  1905. <p><strong>Read More:</strong></p>
  1906.  
  1907.  
  1908.  
  1909. <ul class="wp-block-list">
  1910. <li><a href="https://www.financebuzz.net/hdfc-bank-internet-banking/" target="_blank" rel="noreferrer noopener">HDFC Bank Internet banking – Registration, Login Guide</a></li>
  1911.  
  1912.  
  1913.  
  1914. <li><a href="https://www.financebuzz.net/pnb-knowledge-centre/" target="_blank" rel="noreferrer noopener">PNB Knowledge Centre – Features, Login, and Password Reset</a></li>
  1915. </ul>
  1916. <p>The post <a href="https://www.financebuzz.net/iob-bank-net-banking/">IOB Bank Net Banking: Registration, Login, Password Reset &amp; Features</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1917. ]]></content:encoded>
  1921. </item>
  1922. <item>
  1923. <title>How to Identify and Dispute Common Credit Report Mistakes</title>
  1924. <link>https://www.financebuzz.net/dispute-credit-report-mistakes/</link>
  1926. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  1927. <pubDate>Wed, 23 Jul 2025 11:25:24 +0000</pubDate>
  1928. <category><![CDATA[CREDIT CARD]]></category>
  1929. <category><![CDATA[Dispute credit report mistakes]]></category>
  1930. <guid isPermaLink="false">https://www.financebuzz.net/?p=6908</guid>
  1931.  
  1932. <description><![CDATA[<p>Your credit report is a major player in your financial life, influencing whether you get...</p>
  1933. <p>The post <a href="https://www.financebuzz.net/dispute-credit-report-mistakes/">How to Identify and Dispute Common Credit Report Mistakes</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  1934. ]]></description>
  1935. <content:encoded><![CDATA[
  1936. <p>Your credit report is a major player in your financial life, influencing whether you get approved for a loan, qualify for a house, receive the best interest rates, or even land that new job. Unfortunately, credit reports can have errors on them, from mistakes about you to misinformation about account information, and these errors, when they occur, can hurt your credit score. Here’s how to gain control of the process.</p>
  1937.  
  1938.  
  1939.  
  1940. <h2 class="wp-block-heading">1. Request Your Credit Reports</h2>
  1941.  
  1942.  
  1943.  
  1944. <p>Begin by requesting your credit reports so you can review what they&#8217;re saying about you. You have the right to free copies of your reports at frequent intervals. Reports must be cross-checked against all possible sources to account for variations and misinformation.</p>
  1945.  
  1946.  
  1947.  
  1948. <p>Orlando is the fourth-largest city in Florida, after Jacksonville, Miami, and Tampa. It is also the center of the state&#8217;s third-largest metropolitan area. For instance, if you’re located in Central Florida, like Orlando, where reporting inconsistencies can be particularly challenging to resolve on your own. Hence, working with an experienced&nbsp;<a href="https://www.fightidentityfraud.com/orlando-credit-report-error-lawyer/" target="_blank" rel="noreferrer noopener">Orlando, FL, credit report error lawyer</a>&nbsp;can help you navigate the dispute process effectively.</p>
  1949.  
  1950.  
  1951.  
  1952. <p>This kind of support can make a significant difference in correcting errors and restoring the accuracy of your financial records.</p>
  1953.  
  1954.  
  1955.  
  1956. <h2 class="wp-block-heading">2. Review Personal Information for Accuracy</h2>
  1957.  
  1958.  
  1959.  
  1960. <p>Next, examine your personal information at the top of every report. This includes your name, Social Security number, current and former addresses, phone numbers, and employment history. Even minor disparities, like a misspelled name or odd address, can suggest your credit report has been merged with someone else’s or that someone else is using your identity.</p>
  1961.  
  1962.  
  1963.  
  1964. <p>Minor fixes in accuracy like these can also help prevent larger problems down the road.</p>
  1965.  
  1966.  
  1967.  
  1968. <h2 class="wp-block-heading">3. Check Account Details Thoroughly</h2>
  1969.  
  1970.  
  1971.  
  1972. <p>Next, go through each account listed on your report.</p>
  1973.  
  1974.  
  1975.  
  1976. <p>Verify that account names, numbers, and types (such as credit card, auto loan, or mortgage) are accurate. Give particular attention to the account&#8217;s payment history, the status (open or closed), and whether any accounts are reported as delinquent or in collections.</p>
  1977.  
  1978.  
  1979.  
  1980. <p>A closed account appearing as open, or worse, delinquent, can significantly impact your credit score and should be disputed immediately.</p>
  1981.  
  1982.  
  1983.  
  1984. <h2 class="wp-block-heading">4. Look for Duplicate Accounts</h2>
  1985.  
  1986.  
  1987.  
  1988. <p>Duplicate accounts can artificially inflate your overall debt amount and negatively impact your credit utilization ratio. See if the same loan or credit card is reported more than once with different account numbers or information. Such duplicates can result from a lender reporting a trade line to the bureau in error or a software glitch in the credit bureau&#8217;s database.</p>
  1989.  
  1990.  
  1991.  
  1992. <p>If you notice any discrepancies, contact the creditor and the credit bureau to resolve the duplication.</p>
  1993.  
  1994.  
  1995.  
  1996. <h2 class="wp-block-heading">5. Verify Credit Limits and Balances</h2>
  1997.  
  1998.  
  1999.  
  2000. <p>Misstated credit limits and balances can skew your credit&nbsp;<a href="https://www.investopedia.com/terms/c/credit-utilization-rate.asp" target="_blank" rel="noreferrer noopener">utilization ratio</a>, a critical factor in determining your credit score. If a credit card is maxed out, the displayed limit may be lower than the actual limit, making your balance appear riskier. Ensure the limit and balance of each of your revolving trade lines are being reported accurately. If not, you&#8217;ll need to provide documentation, such as recent statements, to support your dispute.</p>
  2001.  
  2002.  
  2003.  
  2004. <h2 class="wp-block-heading">Conclusio</h2>
  2005.  
  2006.  
  2007.  
  2008. <p>Credit report errors are more common than many people realize, but correcting them is entirely within your control. By taking the time to review your reports, pinpointing errors, and filing formal disputes with the appropriate documents, you can help protect your&nbsp;<a href="https://www.financebuzz.net/managing-credit-score/" target="_blank" rel="noreferrer noopener">credit score</a>&nbsp;and financial reputation. Regularly monitoring your credit is not something you do once; it’s something you continue to do to ensure that your future is financially healthy and accurate.</p>
  2009. <p>The post <a href="https://www.financebuzz.net/dispute-credit-report-mistakes/">How to Identify and Dispute Common Credit Report Mistakes</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  2010. ]]></content:encoded>
  2014. </item>
  2015. <item>
  2016. <title>Tax-Free Bonds in 2025: How to Invest Smartly and Earn Tax-Free Returns in India</title>
  2017. <link>https://www.financebuzz.net/tax-free-bonds-investment-india-guide/</link>
  2019. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  2020. <pubDate>Thu, 17 Jul 2025 12:29:56 +0000</pubDate>
  2021. <category><![CDATA[INVESTING]]></category>
  2022. <category><![CDATA[Investing in Bonds]]></category>
  2023. <category><![CDATA[Tax-free bonds 2025]]></category>
  2024. <guid isPermaLink="false">https://www.financebuzz.net/?p=6899</guid>
  2025.  
  2026. <description><![CDATA[<p>Looking for a safe investment option with tax-free interest in 2025? Tax-free bonds issued by...</p>
  2027. <p>The post <a href="https://www.financebuzz.net/tax-free-bonds-investment-india-guide/">Tax-Free Bonds in 2025: How to Invest Smartly and Earn Tax-Free Returns in India</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  2028. ]]></description>
  2029. <content:encoded><![CDATA[
  2030. <p>Looking for a safe investment option with tax-free interest in 2025? Tax-free bonds issued by government-backed entities are making a comeback in investor discussions, offering stable returns and zero tax on interest.</p>
  2031.  
  2032.  
  2033.  
  2034. <p>When government-backed companies like NHAI or IRFC plan large-scale infrastructure projects—like highways, railways, or power plants—they raise funds by issuing bonds. These fixed-income instruments promise to return the principal on a future date and pay regular interest, known as the coupon rate. For investors in India, tax-free bonds offer the rare advantage of completely tax-exempt interest income, making them a smart choice in 2025.</p>
  2035.  
  2036.  
  2037.  
  2038. <p>These bonds come with a fixed maturity date, which is the date when the principal (also referred to as the face value) is returned to the investor. The interest paid periodically is known as the coupon rate, expressed as a percentage of the face value.</p>
  2039.  
  2040.  
  2041.  
  2042. <p>Now, imagine you have ₹1 Lakh to invest and want a steady, reliable income without worrying about taxes eating into your returns. This is where tax-free bonds enter the picture—a golden opportunity for Indian investors in 2025.</p>
  2043.  
  2044.  
  2045.  
  2046. <h2 class="wp-block-heading">What are Tax-Free Bonds?</h2>
  2047.  
  2048.  
  2049.  
  2050. <p>Tax-free bonds are debt instruments issued by government-backed entities to fund long-term infrastructure projects. The key attraction is that the interest earned on these bonds is entirely exempt from income tax under Section 10(15) of the Income Tax Act. This means the interest you receive is entirely yours to keep, unlike regular bonds or fixed deposits, where interest income is taxable.</p>
  2051.  
  2052.  
  2053.  
  2054. <p>These bonds typically have long maturities, ranging from 10 to 20 years, making them suitable for investors with a long-term horizon. The coupon rates usually range between 5.5% and 8.5%, offering predictable and stable returns.</p>
  2055.  
  2056.  
  2057.  
  2058. <h2 class="wp-block-heading">How Do Tax-Free Bonds Work?</h2>
  2059.  
  2060.  
  2061.  
  2062. <p>When you buy a tax-free bond, you pay its face value, ₹1,000 per bond. The issuer promises to pay you a fixed interest (coupon) annually or semi-annually, based on the coupon rate. For instance, a bond with an 8% coupon pays ₹80 every year for each ₹1,000 invested. At maturity, you will receive your ₹1,000 principal back.</p>
  2063.  
  2064.  
  2065.  
  2066. <p>However, since no new tax-free bonds have been issued since 2016, investors looking to buy these bonds in 2025 must turn to the secondary market. Here, bonds may trade above or below their face value, affecting the effective yield you earn.</p>
  2067.  
  2068.  
  2069.  
  2070. <h2 class="wp-block-heading">Who Issues Tax-Free Bonds?</h2>
  2071.  
  2072.  
  2073.  
  2074. <p>These bonds are usually issued by major public sector companies in infrastructure and related sectors. In 2025, the key issuers include:</p>
  2075.  
  2076.  
  2077.  
  2078. <ul class="wp-block-list">
  2079. <li><strong>NHAI</strong>&nbsp;(National Highways)</li>
  2080.  
  2081.  
  2082.  
  2083. <li><strong>PFC</strong>&nbsp;(Power Finance Corporation)</li>
  2084.  
  2085.  
  2086.  
  2087. <li><strong>REC</strong>&nbsp;(Rural Electrification)</li>
  2088.  
  2089.  
  2090.  
  2091. <li><strong>IRFC</strong>&nbsp;(Railway Finance)</li>
  2092.  
  2093.  
  2094.  
  2095. <li><strong>HUDCO</strong>&nbsp;(Housing &amp; Urban Development)</li>
  2096.  
  2097.  
  2098.  
  2099. <li><strong>NABARD</strong>&nbsp;(Agriculture and Rural Development)</li>
  2100.  
  2101.  
  2102.  
  2103. <li><strong>IREDA</strong>&nbsp;(Renewable Energy)</li>
  2104.  
  2105.  
  2106.  
  2107. <li><strong>NTPC</strong>&nbsp;(Power Generation)</li>
  2108. </ul>
  2109.  
  2110.  
  2111.  
  2112. <p>These companies use the funds raised to build or upgrade infrastructure across India.</p>
  2113.  
  2114.  
  2115.  
  2116. <h2 class="wp-block-heading">How to Invest in Tax-Free Bonds?</h2>
  2117.  
  2118.  
  2119.  
  2120. <p>If you&#8217;re wondering&nbsp;<a href="https://www.bondbazaar.com/" target="_blank" rel="noreferrer noopener">how to buy bonds</a>&nbsp;in the current market, it&#8217;s important to know that no new tax-free bonds have been issued since 2016. However, they are still available for purchase through the secondary market. Here’s how:</p>
  2121.  
  2122.  
  2123.  
  2124. <ol class="wp-block-list">
  2125. <li><strong>Choose a Reliable Platform:</strong>&nbsp;Use stock exchanges like NSE/BSE or trusted platforms like Bondbazaar, a SEBI-regulated OBPP entity offering access to over 10,000 bonds, zero account opening or maintenance charges, and real-time trading support.</li>
  2126.  
  2127.  
  2128.  
  2129. <li><strong>Open a Demat Account:</strong>&nbsp;This is like an online locker for your holdings. Many brokers can help set it up.</li>
  2130.  
  2131.  
  2132.  
  2133. <li><strong>Compare Available Bonds:</strong>&nbsp;Look for &#8211;</li>
  2134. </ol>
  2135.  
  2136.  
  2137.  
  2138. <ul class="wp-block-list">
  2139. <li><strong>Coupon Rate</strong>: the fixed interest rate</li>
  2140.  
  2141.  
  2142.  
  2143. <li><strong>Yield to Maturity (YTM)</strong>: actual return accounting for price, tenure</li>
  2144.  
  2145.  
  2146.  
  2147. <li><strong>Issuer</strong>: ensure it’s AAA-rated</li>
  2148.  
  2149.  
  2150.  
  2151. <li><strong>Remaining Tenure</strong>: How long until maturity</li>
  2152. </ul>
  2153.  
  2154.  
  2155.  
  2156. <ol class="wp-block-list">
  2157. <li><strong>Place Your Order:</strong>&nbsp;Decide how much you want to invest and place a buy order.</li>
  2158.  
  2159.  
  2160.  
  2161. <li><strong>Hold or Sell:</strong>&nbsp;You receive interest annually or semi-annually. If needed, you can sell the bond, but keep in mind capital gains taxes and liquidity issues.</li>
  2162. </ol>
  2163.  
  2164.  
  2165.  
  2166. <h2 class="wp-block-heading">Understanding Returns and Market Pricing</h2>
  2167.  
  2168.  
  2169.  
  2170. <p>While coupon rates on tax-free bonds range between 5.5% and 8.5%, the actual yield you earn depends on the price you pay in the secondary market.</p>
  2171.  
  2172.  
  2173.  
  2174. <p>For instance, a bond issued by NHAI with a 6% coupon might trade at ₹1,200 instead of ₹1,000. Your current yield would then be ₹60/₹1,200 = 5%. The yield to maturity (YTM), which takes into account the premium paid and the time to maturity, could be approximately 3.6%. Despite this, the tax-free nature of the interest still makes these bonds attractive compared to taxable alternatives.</p>
  2175.  
  2176.  
  2177.  
  2178. <h2 class="wp-block-heading">Advantages and Drawbacks</h2>
  2179.  
  2180.  
  2181.  
  2182. <p>Like any fixed-income instrument, tax-free bonds come with certain benefits as well as limitations that investors should consider before making a decision.</p>
  2183.  
  2184.  
  2185.  
  2186. <h3 class="wp-block-heading">Advantages</h3>
  2187.  
  2188.  
  2189.  
  2190. <ul class="wp-block-list">
  2191. <li><strong>Tax-Free Income:</strong>&nbsp;Interest earned is fully exempt from income tax, with no TDS deducted.</li>
  2192.  
  2193.  
  2194.  
  2195. <li><strong>High Safety:&nbsp;</strong>Issued by government-backed entities with AAA credit ratings, ensuring low default risk.</li>
  2196.  
  2197.  
  2198.  
  2199. <li><strong>Predictable Returns:&nbsp;</strong>Fixed coupon rates provide steady income over the bond’s tenure.</li>
  2200.  
  2201.  
  2202.  
  2203. <li><strong>No Investment Limits:&nbsp;</strong>Unlike Section 80C investments capped at ₹1.5 lakh, you can invest unlimited amounts.</li>
  2204.  
  2205.  
  2206.  
  2207. <li><strong>Easy Trading:&nbsp;</strong>Platforms like Bondbazaar allow you to buy and sell bonds with ease.</li>
  2208. </ul>
  2209.  
  2210.  
  2211.  
  2212. <h3 class="wp-block-heading">Drawbacks</h3>
  2213.  
  2214.  
  2215.  
  2216. <ul class="wp-block-list">
  2217. <li><strong>No New Issues:&nbsp;</strong>You can only buy existing bonds, often at a premium, which lowers effective yield.</li>
  2218.  
  2219.  
  2220.  
  2221. <li><strong>Capital Gains Tax:&nbsp;</strong>Selling bonds before maturity may attract capital gains tax.</li>
  2222.  
  2223.  
  2224.  
  2225. <li><strong>Inflation Risk:&nbsp;</strong>Fixed interest payments may not keep pace with rising inflation over the long term.</li>
  2226.  
  2227.  
  2228.  
  2229. <li><strong>Liquidity Constraints:&nbsp;</strong>Secondary market trading volumes can be low, leading to less favourable prices.</li>
  2230. </ul>
  2231.  
  2232.  
  2233.  
  2234. <h2 class="wp-block-heading">Who Should Consider Tax-Free Bonds?</h2>
  2235.  
  2236.  
  2237.  
  2238. <p>Tax-free bonds are ideal for:</p>
  2239.  
  2240.  
  2241.  
  2242. <ul class="wp-block-list">
  2243. <li>High-income investors in the 20% or 30% tax brackets seeking tax-efficient income.</li>
  2244.  
  2245.  
  2246.  
  2247. <li>Retirees are looking for stable, predictable, and tax-free income streams.</li>
  2248.  
  2249.  
  2250.  
  2251. <li>Risk-averse investors who prefer capital preservation and steady returns over market volatility.</li>
  2252. </ul>
  2253.  
  2254.  
  2255.  
  2256. <p>They may not be suitable for young investors who need liquidity, those seeking inflation-beating returns, or short-term savers.</p>
  2257.  
  2258.  
  2259.  
  2260. <h2 class="wp-block-heading">Conclusion</h2>
  2261.  
  2262.  
  2263.  
  2264. <p>For investors aiming to maximise post-tax returns while prioritising safety and stability, tax-free bonds in 2025 offer a compelling opportunity. With issuers like <a href="https://nhai.gov.in/" target="_blank" rel="noreferrer noopener">NHAI</a>, PFC, and IRFC backing these instruments, you gain access to AAA-rated securities that provide fixed, tax-exempt income over a long tenure.</p>
  2265.  
  2266.  
  2267.  
  2268. <p>Thanks to platforms like Bondbazaar, investing in tax-free bonds has never been easier, offering a wide selection, real-time trading, and zero charges. If your financial goals include long-term planning with minimal tax liability, tax-free bonds may well be the golden opportunity you’ve been waiting for.</p>
  2269.  
  2270.  
  2271.  
  2272. <h3 style="margin-bottom:20px;display:block;width:100%;margin-top:10px">Frequently Asked Questions about Tax-Free Bonds in 2025 </h3>
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  2366. <!-- Inner panel Start -->
  2367. <div class="wpsm_panel wpsm_panel-default">
  2368. <div class="wpsm_panel-heading" role="tab" >
  2369.  <h4 class="wpsm_panel-title">
  2370. <a  class=""  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse1" onclick="do_resize()">
  2371. <span class="ac_open_cl_icon fa fa-minus"></span>
  2374. <span class="ac_title_class">
  2375. Are tax-free bonds better than FDs? </span>
  2376. </a>
  2377.  </h4>
  2378. </div>
  2379. <div id="ac_6902_collapse1" class="wpsm_panel-collapse collapse in"  >
  2380.  <div class="wpsm_panel-body">
  2381. For high-income individuals, tax-free bonds may offer better post-tax returns than fixed deposits, especially when FD interest is fully taxable.  </div>
  2382. </div>
  2383. </div>
  2384. <!-- Inner panel End -->
  2387. <!-- Inner panel Start -->
  2388. <div class="wpsm_panel wpsm_panel-default">
  2389. <div class="wpsm_panel-heading" role="tab" >
  2390.  <h4 class="wpsm_panel-title">
  2391. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse2" onclick="do_resize()">
  2392. <span class="ac_open_cl_icon fa fa-plus"></span>
  2395. <span class="ac_title_class">
  2396. Can NRIs invest in tax-free bonds in India? </span>
  2397. </a>
  2398.  </h4>
  2399. </div>
  2400. <div id="ac_6902_collapse2" class="wpsm_panel-collapse collapse "  >
  2401.  <div class="wpsm_panel-body">
  2402. Some tax-free bonds were open to NRIs at the time of issue, but most are now closed for fresh investment. Secondary market access may be restricted—check issuer terms.  </div>
  2403. </div>
  2404. </div>
  2405. <!-- Inner panel End -->
  2408. <!-- Inner panel Start -->
  2409. <div class="wpsm_panel wpsm_panel-default">
  2410. <div class="wpsm_panel-heading" role="tab" >
  2411.  <h4 class="wpsm_panel-title">
  2412. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse3" onclick="do_resize()">
  2413. <span class="ac_open_cl_icon fa fa-plus"></span>
  2416. <span class="ac_title_class">
  2417. What&#039;s the minimum amount to invest in tax-free bonds? </span>
  2418. </a>
  2419.  </h4>
  2420. </div>
  2421. <div id="ac_6902_collapse3" class="wpsm_panel-collapse collapse "  >
  2422.  <div class="wpsm_panel-body">
  2423. Typically ₹1,000 per bond. Secondary market prices may vary depending on demand and remaining tenure.  </div>
  2424. </div>
  2425. </div>
  2426. <!-- Inner panel End -->
  2429. <!-- Inner panel Start -->
  2430. <div class="wpsm_panel wpsm_panel-default">
  2431. <div class="wpsm_panel-heading" role="tab" >
  2432.  <h4 class="wpsm_panel-title">
  2433. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse4" onclick="do_resize()">
  2434. <span class="ac_open_cl_icon fa fa-plus"></span>
  2437. <span class="ac_title_class">
  2438. What are tax-free bonds in India? </span>
  2439. </a>
  2440.  </h4>
  2441. </div>
  2442. <div id="ac_6902_collapse4" class="wpsm_panel-collapse collapse "  >
  2443.  <div class="wpsm_panel-body">
  2444. Tax-free bonds are government-backed debt instruments where the interest income is fully exempt from income tax under Section 10(15) of the Income Tax Act. They offer fixed, long-term returns.  </div>
  2445. </div>
  2446. </div>
  2447. <!-- Inner panel End -->
  2450. <!-- Inner panel Start -->
  2451. <div class="wpsm_panel wpsm_panel-default">
  2452. <div class="wpsm_panel-heading" role="tab" >
  2453.  <h4 class="wpsm_panel-title">
  2454. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse5" onclick="do_resize()">
  2455. <span class="ac_open_cl_icon fa fa-plus"></span>
  2458. <span class="ac_title_class">
  2459. How do tax-free bonds compare to fixed deposits? </span>
  2460. </a>
  2461.  </h4>
  2462. </div>
  2463. <div id="ac_6902_collapse5" class="wpsm_panel-collapse collapse "  >
  2464.  <div class="wpsm_panel-body">
  2465. Tax-free bonds may offer slightly lower coupon rates than FDs, but since the interest is tax-exempt, the effective post-tax returns are often higher, especially for those in higher tax brackets.  </div>
  2466. </div>
  2467. </div>
  2468. <!-- Inner panel End -->
  2471. <!-- Inner panel Start -->
  2472. <div class="wpsm_panel wpsm_panel-default">
  2473. <div class="wpsm_panel-heading" role="tab" >
  2474.  <h4 class="wpsm_panel-title">
  2475. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse6" onclick="do_resize()">
  2476. <span class="ac_open_cl_icon fa fa-plus"></span>
  2479. <span class="ac_title_class">
  2480. Is the interest from tax-free bonds exempt from all taxes? </span>
  2481. </a>
  2482.  </h4>
  2483. </div>
  2484. <div id="ac_6902_collapse6" class="wpsm_panel-collapse collapse "  >
  2485.  <div class="wpsm_panel-body">
  2486. Yes, the interest earned is fully exempt from income tax. However, capital gains tax may apply if the bond is sold before maturity at a profit.  </div>
  2487. </div>
  2488. </div>
  2489. <!-- Inner panel End -->
  2492. <!-- Inner panel Start -->
  2493. <div class="wpsm_panel wpsm_panel-default">
  2494. <div class="wpsm_panel-heading" role="tab" >
  2495.  <h4 class="wpsm_panel-title">
  2496. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse7" onclick="do_resize()">
  2497. <span class="ac_open_cl_icon fa fa-plus"></span>
  2500. <span class="ac_title_class">
  2501. Who should invest in tax-free bonds? </span>
  2502. </a>
  2503.  </h4>
  2504. </div>
  2505. <div id="ac_6902_collapse7" class="wpsm_panel-collapse collapse "  >
  2506.  <div class="wpsm_panel-body">
  2507. They are ideal for retirees, risk-averse investors, and individuals in higher tax brackets who want stable, tax-free income over the long term.  </div>
  2508. </div>
  2509. </div>
  2510. <!-- Inner panel End -->
  2513. <!-- Inner panel Start -->
  2514. <div class="wpsm_panel wpsm_panel-default">
  2515. <div class="wpsm_panel-heading" role="tab" >
  2516.  <h4 class="wpsm_panel-title">
  2517. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse8" onclick="do_resize()">
  2518. <span class="ac_open_cl_icon fa fa-plus"></span>
  2521. <span class="ac_title_class">
  2522. Where can I buy tax-free bonds in India in 2025? </span>
  2523. </a>
  2524.  </h4>
  2525. </div>
  2526. <div id="ac_6902_collapse8" class="wpsm_panel-collapse collapse "  >
  2527.  <div class="wpsm_panel-body">
  2528. You can purchase tax-free bonds in the secondary market using exchanges (NSE/BSE) or through trusted platforms like <a href="https://www.bondbazaar.com">Bondbazaar.com</a>, which provides real-time access, expert support, and zero account charges.  </div>
  2529. </div>
  2530. </div>
  2531. <!-- Inner panel End -->
  2534. <!-- Inner panel Start -->
  2535. <div class="wpsm_panel wpsm_panel-default">
  2536. <div class="wpsm_panel-heading" role="tab" >
  2537.  <h4 class="wpsm_panel-title">
  2538. <a  class="collapsed"  data-toggle="collapse" data-parent="#wpsm_accordion_6902 " href="javascript:void(0)" data-target="#ac_6902_collapse9" onclick="do_resize()">
  2539. <span class="ac_open_cl_icon fa fa-plus"></span>
  2542. <span class="ac_title_class">
  2543. What is Yield to Maturity (YTM) on tax-free bonds? </span>
  2544. </a>
  2545.  </h4>
  2546. </div>
  2547. <div id="ac_6902_collapse9" class="wpsm_panel-collapse collapse "  >
  2548.  <div class="wpsm_panel-body">
  2549. YTM reflects your actual return considering the price you pay, coupon rate, and remaining tenure. It's especially important when buying in the secondary market at a premium.  </div>
  2550. </div>
  2551. </div>
  2552. <!-- Inner panel End -->
  2554. </div>
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  2570. }
  2572. </script>
  2573.  
  2574.  
  2575.  
  2576. <p><em>*Investments in debt securities/municipal debt securities/securitised debt instruments are subject to risks including delay and/or default in payment. Read all offer-related documents carefully.</em></p>
  2577. <p>The post <a href="https://www.financebuzz.net/tax-free-bonds-investment-india-guide/">Tax-Free Bonds in 2025: How to Invest Smartly and Earn Tax-Free Returns in India</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  2578. ]]></content:encoded>
  2582. </item>
  2583. <item>
  2584. <title>Smooth Transactions in the Casino World</title>
  2585. <link>https://www.financebuzz.net/online-casino-payment-solutions/</link>
  2587. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  2588. <pubDate>Thu, 17 Jul 2025 09:28:07 +0000</pubDate>
  2589. <category><![CDATA[CRYPTOCURRENCY]]></category>
  2590. <category><![CDATA[Smooth Transactions in Casino World]]></category>
  2591. <guid isPermaLink="false">https://www.financebuzz.net/?p=6896</guid>
  2592.  
  2593. <description><![CDATA[<p>Digital platforms thrive on speed and convenience, and online casinos are no exception. Players expect...</p>
  2594. <p>The post <a href="https://www.financebuzz.net/online-casino-payment-solutions/">Smooth Transactions in the Casino World</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  2595. ]]></description>
  2596. <content:encoded><![CDATA[
  2597. <p>Digital platforms thrive on speed and convenience, and online casinos are no exception. Players expect more than just entertainment: a smooth experience, from sign-up to payout, is essential. As the industry grows, it’s becoming clear that the choice of payment system is not just a technical detail, but a central part of the user experience.</p>
  2598.  
  2599.  
  2600.  
  2601. <p>While game variety and user interface often dominate conversations, it&#8217;s the seamlessness of background services, especially financial transactions, that quietly determines user satisfaction. Many seasoned players consider the deposit and withdrawal experience as a key differentiator among platforms. With increasing demand for speed and reliability, modern payment systems are setting new standards.</p>
  2602.  
  2603.  
  2604.  
  2605. <h2 class="wp-block-heading">Bonusetu and the Role of Payment Flexibility</h2>
  2606.  
  2607.  
  2608.  
  2609. <p>Sites like Bonusetu, which compare and present casino offers, highlight a critical point: the smoother the payment process, the more satisfied the user. Particularly in environments where quick deposits and withdrawals matter, the behind-the-scenes infrastructure must keep up. This is where modern tools enabling <a href="https://bonusetu.com/zimpler-kasinot/" target="_blank" rel="noreferrer noopener">fast and flexible payments with Zimpler</a> come into play – offering players not only speed, but also greater control over their funds.</p>
  2610.  
  2611.  
  2612.  
  2613. <p>For instance, many users appreciate the ability to make one-click deposits or instantly receive their winnings without tedious verification steps. This kind of payment experience can elevate a platform from merely functional to truly competitive. In such a context, platforms that collaborate with systems providing frictionless and intuitive financial interactions stand out.</p>
  2614.  
  2615.  
  2616.  
  2617. <h2 class="wp-block-heading">User Expectations Are Changing</h2>
  2618.  
  2619.  
  2620.  
  2621. <p>The digital generation is less tolerant of complicated processes. Whether it’s ordering food, hailing a ride, or making an online payment, <a href="https://www.financebuzz.net/debt-consolidation-financial-freedom/" target="_blank" rel="noreferrer noopener">simplicity </a>and speed are paramount. Casino platforms are feeling this pressure acutely: players may choose a platform based on how quickly they can start and stop playing, including how swiftly they can withdraw their winnings.</p>
  2622.  
  2623.  
  2624.  
  2625. <p>Moreover, mobile usage is now the norm, not the exception. This shift means payment systems must be optimized for smaller screens, with biometric login options, instant notifications, and seamless mobile banking integrations. Meeting these expectations isn’t optional – it’s essential for customer retention.</p>
  2626.  
  2627.  
  2628.  
  2629. <h2 class="wp-block-heading">Regulations and Responsible Practices</h2>
  2630.  
  2631.  
  2632.  
  2633. <p>With the rise of online gambling platforms comes the need for responsible and regulated financial transactions. Payment providers play an important role in ensuring compliance with anti-money-laundering rules, <a href="https://www.financebuzz.net/evolution-of-identity-verification-process-physical-to-online/" target="_blank" rel="noreferrer noopener">identity verification</a>, and spending limits. This adds another layer to the discussion: fast payments should not come at the cost of safety or control.</p>
  2634.  
  2635.  
  2636.  
  2637. <p>Users now increasingly expect platforms to not only facilitate fast payments but also provide safeguards, such as budget control settings, alerts on high spending, or built-in limits to prevent addiction. Payment solutions that combine speed with smart guardrails represent the next evolution of digital transactions.</p>
  2638.  
  2639.  
  2640.  
  2641. <h2 class="wp-block-heading">Technology as a Competitive Edge</h2>
  2642.  
  2643.  
  2644.  
  2645. <p>In an environment where dozens of online casinos compete for attention, small details make a big difference. Modern payment technologies provide a user-friendly interface and real-time access to transaction histories, helping users stay informed and in control. Services that align with these needs are increasingly being favored by both platforms and players.</p>
  2646.  
  2647.  
  2648.  
  2649. <p>Features like multi-currency support, instant balance updates, and even AI-driven fraud detection mechanisms are becoming standard. Casino platforms that integrate these technological advantages not only boost their credibility but also demonstrate a commitment to transparency and innovation.</p>
  2650.  
  2651.  
  2652.  
  2653. <h2 class="wp-block-heading">The Role of Trust in Financial Interactions</h2>
  2654.  
  2655.  
  2656.  
  2657. <p>While speed is crucial, trust remains the cornerstone of any financial transaction. Players need to feel confident that their data is secure, their money is handled responsibly, and their privacy is respected. The reputation of a casino platform often hinges on how it manages deposits and withdrawals.</p>
  2658.  
  2659.  
  2660.  
  2661. <p>To establish and maintain this trust, many platforms now publish detailed payment policies, user testimonials, and even third-party certifications. This transparency reassures users and builds long-term loyalty – a priceless commodity in an increasingly saturated market.</p>
  2662.  
  2663.  
  2664.  
  2665. <h2 class="wp-block-heading"><strong>Conclusion</strong></h2>
  2666.  
  2667.  
  2668.  
  2669. <p>In the highly competitive world of online entertainment, payment speed and ease are key. As platforms continue to evolve, so too will the expectations around financial transactions. Whether comparing offers on a site like Bonusetu or choosing where to play, users are increasingly drawn to platforms that combine trust, speed, and flexibility in their payment infrastructure.</p>
  2670.  
  2671.  
  2672.  
  2673. <p>Ultimately, it is this combination – seamless experience, technological innovation, regulatory compliance, and trust – that will define the next generation of successful online casino platforms. In the end, players are not just betting on games – they&#8217;re betting on platforms to deliver smooth, safe, and satisfying journeys from deposit to payout. And it is precisely these journeys that will shape the <a href="https://www.financebuzz.net/ai-changing-online-rummy/" target="_blank" rel="noreferrer noopener">future of digital gaming</a>.</p>
  2674. <p>The post <a href="https://www.financebuzz.net/online-casino-payment-solutions/">Smooth Transactions in the Casino World</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  2675. ]]></content:encoded>
  2679. </item>
  2680. <item>
  2681. <title>Understanding Expense Ratio: The Hidden Cost in Your Mutual Fund</title>
  2682. <link>https://www.financebuzz.net/mutual-fund-expense-ratio-explained/</link>
  2684. <dc:creator><![CDATA[Pranab Bhandari]]></dc:creator>
  2685. <pubDate>Thu, 17 Jul 2025 09:13:33 +0000</pubDate>
  2686. <category><![CDATA[FINANCE]]></category>
  2687. <category><![CDATA[Expense Ratio]]></category>
  2688. <category><![CDATA[Mutual fund]]></category>
  2689. <guid isPermaLink="false">https://www.financebuzz.net/?p=6893</guid>
  2690.  
  2691. <description><![CDATA[<p>When you invest in mutual funds, you are likely focused on returns, risk, and performance,...</p>
  2692. <p>The post <a href="https://www.financebuzz.net/mutual-fund-expense-ratio-explained/">Understanding Expense Ratio: The Hidden Cost in Your Mutual Fund</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
  2693. ]]></description>
  2694. <content:encoded><![CDATA[
  2695. <p>When you invest in mutual funds, you are likely focused on returns, risk, and performance, but there is one factor that quietly affects your overall gains: the expense ratio. This hidden cost, deducted directly from the fund’s assets, can significantly influence how much wealth you build over time. To be a smart investor, it is essential to understand what the expense ratio is, how it affects the net asset value (NAV) of your fund, and how you can manage its impact on your long-term results.</p>
  2696.  
  2697.  
  2698.  
  2699. <p>Let us break this down clearly and simply.</p>
  2700.  
  2701.  
  2702.  
  2703. <h2 class="wp-block-heading">What is the expense ratio?</h2>
  2704.  
  2705.  
  2706.  
  2707. <p>The&nbsp;<a href="https://www.bajajfinserv.in/investments/what-is-expense-ratio" target="_blank" rel="noreferrer noopener">expense ratio</a>&nbsp;is the annual fee a mutual fund charges its investors to cover its operating expenses. These expenses include:</p>
  2708.  
  2709.  
  2710.  
  2711. <ul class="wp-block-list">
  2712. <li>Fund manager fees for managing the portfolio<br></li>
  2713.  
  2714.  
  2715.  
  2716. <li>Administrative costs (such as legal, accounting, compliance)<br></li>
  2717.  
  2718.  
  2719.  
  2720. <li>Distribution and marketing charges<br></li>
  2721. </ul>
  2722.  
  2723.  
  2724.  
  2725. <p>The expense ratio is expressed as a percentage of the fund’s average assets under management (AUM). For example, if a mutual fund has an expense ratio of 1.5 percent, it means the fund deducts 1.5 percent of its total assets every year to pay for operating costs.</p>
  2726.  
  2727.  
  2728.  
  2729. <h2 class="wp-block-heading">How does the expense ratio affect your investment?</h2>
  2730.  
  2731.  
  2732.  
  2733. <p>The expense ratio is not a fee you pay separately — it is automatically deducted from the mutual fund’s assets daily, which reduces the NAV. The NAV is the per-unit value of a mutual fund and is calculated by dividing the fund’s total assets (after deducting expenses) by the number of outstanding units.</p>
  2734.  
  2735.  
  2736.  
  2737. <p>This means the returns you see on your investment — whether in terms of growth or income — are already net of expenses. A higher expense ratio reduces the effective returns you get as an investor, while a lower expense ratio allows more of your gains to stay invested and grow over time.</p>
  2738.  
  2739.  
  2740.  
  2741. <h2 class="wp-block-heading">How does the expense ratio affect the NAV?</h2>
  2742.  
  2743.  
  2744.  
  2745. <p>Since the expense ratio is deducted daily from the fund’s assets, it directly reduces the NAV. For example, if the fund’s gross value (before expenses) increases by 0.05 percent in a day, but the daily expense charge is 0.004 percent (based on an annual expense ratio of 1.5 percent), the NAV will reflect the net increase after subtracting expenses.</p>
  2746.  
  2747.  
  2748.  
  2749. <p>This is why two funds with similar portfolios and gross performance can show slightly different NAV growth depending on their expense ratios.</p>
  2750.  
  2751.  
  2752.  
  2753. <h2 class="wp-block-heading">Why do expense ratios vary?</h2>
  2754.  
  2755.  
  2756.  
  2757. <p>Not all&nbsp;<a href="https://www.bajajfinserv.in/investments/mutual-funds" target="_blank" rel="noreferrer noopener">mutual funds</a>&nbsp;have the same expense ratios, and there are good reasons for the differences:</p>
  2758.  
  2759.  
  2760.  
  2761. <ul class="wp-block-list">
  2762. <li><strong>Active funds</strong>: These are funds where managers actively select and manage securities. They usually have higher expenses because of research, analysis, and frequent trading.<br></li>
  2763.  
  2764.  
  2765.  
  2766. <li><strong>Passive funds</strong>: Index funds or exchange-traded funds (ETFs) simply track a market index and require less management, so they usually have lower expense ratios.<br></li>
  2767.  
  2768.  
  2769.  
  2770. <li><strong>Fund category</strong>: Equity funds often have higher expenses than debt funds due to the more complex research involved in equity selection.<br></li>
  2771. </ul>
  2772.  
  2773.  
  2774.  
  2775. <p>As an investor, it is important to understand that paying a slightly higher expense ratio may be acceptable if the fund consistently delivers strong returns. But paying high costs for average or below-average performance is never a smart choice.</p>
  2776.  
  2777.  
  2778.  
  2779. <h2 class="wp-block-heading">How can you check the expense ratio?</h2>
  2780.  
  2781.  
  2782.  
  2783. <p>You can find the expense ratio of any mutual fund by looking at:</p>
  2784.  
  2785.  
  2786.  
  2787. <ul class="wp-block-list">
  2788. <li>The scheme’s monthly fact sheet<br></li>
  2789.  
  2790.  
  2791.  
  2792. <li>The mutual fund house’s official website<br></li>
  2793.  
  2794.  
  2795.  
  2796. <li>Investment platforms and financial apps<br></li>
  2797. </ul>
  2798.  
  2799.  
  2800.  
  2801. <p>It is a good habit to compare the expense ratios of similar funds within the same category (for example, compare large cap funds with other large cap funds) before making <a href="https://www.financebuzz.net/investment-strategies-grow-preserve-wealth/" target="_blank" rel="noreferrer noopener">investment decisions</a>.</p>
  2802.  
  2803.  
  2804.  
  2805. <h2 class="wp-block-heading">Tips to manage the impact of expense ratios</h2>
  2806.  
  2807.  
  2808.  
  2809. <p>Here are some practical strategies to keep costs under control and maximise your long-term returns:</p>
  2810.  
  2811.  
  2812.  
  2813. <ul class="wp-block-list">
  2814. <li><strong>Be selective</strong>: Choose funds with competitive expense ratios, especially if you are investing for the long term.<br></li>
  2815.  
  2816.  
  2817.  
  2818. <li><strong>Consider passive funds</strong>: If you are satisfied with matching market performance, index funds and ETFs offer very low expenses.<br></li>
  2819.  
  2820.  
  2821.  
  2822. <li><strong>Review regularly</strong>: Periodically check your fund’s performance against its benchmark and peers. If a high-cost fund is underperforming, consider switching.<br></li>
  2823.  
  2824.  
  2825.  
  2826. <li><strong>Balance cost and quality</strong>: Sometimes, paying a slightly higher expense ratio is worth it for superior management and returns. Just make sure you are getting value for the cost.<br></li>
  2827. </ul>
  2828.  
  2829.  
  2830.  
  2831. <h2 class="wp-block-heading">Final thoughts</h2>
  2832.  
  2833.  
  2834.  
  2835. <p>Understanding what the expense ratio is and how it affects the NAV of your mutual funds is essential for any investor looking to <a href="https://www.financebuzz.net/investment-strategies-grow-preserve-wealth/" target="_blank" rel="noreferrer noopener">maximise wealth</a>. While it may seem like a small detail, the expense ratio has a compounding impact over time, making it one of the most important factors in determining your net investment success.</p>
  2836.  
  2837.  
  2838.  
  2839. <p>By being aware, comparing options carefully, and focusing on both cost and performance, you can ensure that more of your money stays invested, grows steadily, and works toward your long-term financial goals. Smart investors do not just chase high returns — they watch the costs that silently chip away at those returns over time.</p>
  2840. <p>The post <a href="https://www.financebuzz.net/mutual-fund-expense-ratio-explained/">Understanding Expense Ratio: The Hidden Cost in Your Mutual Fund</a> appeared first on <a href="https://www.financebuzz.net">FinanceBuzz!</a>.</p>
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