#Documents required for SBI credit card

[tarajames21]

Documents required for SBI credit card

The exact document requirements may vary depending on the specific credit card and the applicant's profile. However, here is a list of commonly requested documents when applying for an SBI credit card:

Identity Proof:

Passport

Aadhaar card

Voter ID card

Driving license

PAN card

Address Proof:

Aadhaar card

Passport

Utility bills (electricity, water, gas, telephone)

Bank account statement

Rental agreement

Income Proof:

Latest salary slips

Form 16 (for salaried individuals)

Income tax returns (ITR)

Bank statements

Audited financial statements (for self-employed individuals)

Employment Proof:

Offer letter from the current employer

Employment contract

Appointment letter

Employee ID card

Photographs:

Recent passport-size photographs

Please note that these are general document requirements, and additional documents may be requested based on the bank's policies and your specific circumstances. It's advisable to check the SBI website or contact their customer service to get accurate and up-to-date information on the documents required for applying for an SBI credit card.

Reference : Documents required for SBI credit cards

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UPSC National Defence Academy NDA and Naval Academy NA Examination 2024 Apply Online for 400 Post

 Union Public Service Commission UPSC has released the National Defence Academy NDA (Male / Female), Naval Academy NA Only for Male, NDA & NA First Examination 2024. Those Candidate Are Interested to UPSC NDA & NA 2024 Exam Can Apply Online from 20/12/2023 to 09/01/2024. Read the notification for recruitment eligibility, post information, selection procedure, age limit, pay scale and all other information.

Union Public Service Commission (UPSC)

UPSC National Defence Academy NDA & NA First Examination 2024

UPSC NDA Exam Notice No. 03/2022-NDA-I :  Short Details of Notification

WWW.SARKARIRESULT.COM

Important Dates

Application Begin : 20/12/2023

Last Date for Apply Online : 09/01/2024 Upto 06:00 PM Only

Pay Exam Fee Last Date : 09/01/2024

Modify / Edit Form : 10-16 January 2024

NDA I Exam Date : 21/04/2024

Admit Card Released : Before Exam

Application Fee

General / OBC : 100/-

SC / ST : 0/- (Nil)

All Category Female : 0/-

Pay the Examination Fee Through Net Banking, Debit Card, Credit Card or Pay the Exam Fee Through Cash E Challan Fee Mode Submit the Exam Fee at State Bank of India SBI Any Branches in India.

UPSC NDA I Notification 2024: Age Limit as on Details

Age Between: 02/07/2005 to 01/07/2008

Age Relaxation Extra as per NDA I Exam 2024 Rules.

UPSC NDA & NDA I Recruitment 2024 : Vacancy Details Total : 400 Post

Post Name

Wing Name

Total Post

UPSC NDA & NDA Eligibility 2024

National Defence Academy NDA (Male / Female)

Army

208

10+2 Intermediate Exam in Any Recognized Board

Navy

42

10+2 Intermediate Class 12 Exam Passed / Appearing in Any Recognized Board with Physics & Mathematics as a Subject.

Airforce

120

Naval Academy NA Only for Male

10+2 Cadet Entry

30

How to Fill UPSC NDA I Exam 2024 Online Form

UPSC has made One Time Registration OTR mandatory for all its recruitments, thus OTR is necessary in this recruitment National Defense Academy 2024 also, those who have not done OTR yet should do their OTR, without it the application will not be accepted.

Union Public Service Commission UPSC Are Released the Notification for NDA I Exam 2024 for the 400+ Approx Vacancies in Army, Navy, Airforce Recruitment 2024 Candidate Can Apply Between 20/12/2023 to 09/01/2024

Candidate Read the Notification Before Apply the Recruitment Application Form in UPSC NDA Online Form 2024.

Kindly Check and Collect the All Document - Eligibility, ID Proof, Address Details, Basic Details.

Kindly Ready Scan Document Related to Recruitment Form - Photo, Sign, ID Proof, Etc.

Before Submit the Application Form Must Check the Preview and All Column Carefully.

If Candidate Required to Paying the Application Fee Must Submit. If You have Not the Required Application Fees Your Form is Not Completed.

Take A Print Out of Final Submitted Form.

NDA CRASH COURSE ( 6 MONTHS ) NDA ADVANCE COURSE (1 YEAR)

At Manasa Defence Academy, we take pride in providing the best training in India for those who are interested in pursuing a career in defense. Whether you aspire to join the prestigious National Defense Academy (NDA) or wish to advance your skills through our NDA Crash Course or NDA Advance Course, we have got you covered. In this article, we will delve into the details of these courses, highlighting their duration, curriculum, and the invaluable training you can expect to receive.

NDA Crash Course (6 months)

 Academy is designed to prepare candidates for the rigorous selection process of the National Defense Academy within a span of six months. During this short but intensive period, we ensure that you receive comprehensive training to enhance your chances of clearing the NDA entrance examination.

Duration and Curriculum

The NDA Crash Course is carefully crafted to cover all the important subjects and topics required for the NDA entrance examination. Over the course of six months, you will undergo an extensive curriculum that includes:

Mathematics: We provide in-depth coaching in mathematics, covering topics such as algebra, geometry, trigonometry, calculus, and statistics. Our experienced faculty will guide you through complex problem-solving techniques and ensure you have a strong foundation in this subject.

General Ability: This section tests your English language proficiency, general knowledge, and logical reasoning. We offer comprehensive study materials and conduct regular mock tests to help you improve your command over vocabulary, comprehension, and critical thinking.

Physical Training: Physical fitness is a crucial aspect of defense training. Our NDA Crash Course includes regular physical training sessions to improve your stamina, strength, and overall fitness levels. You will partake in activities such as running, obstacle courses, and team sports to develop the necessary physical endurance required for a career in the defense forces.

Intensive Coaching and Guidance

At Manasa Defence Academy, we believe in offering personalized attention to each candidate. Our experienced faculty members are dedicated and passionate about helping you achieve your goals. Through small batch sizes, we ensure that every student receives individualized coaching, allowing for better interaction and focused learning.

Our faculty members have prior experience in defense services and possess comprehensive knowledge of the NDA examination pattern. They provide valuable insights, tips, and tricks to tackle the examination effectively. Additionally, weekly doubt-clearing sessions and regular progress evaluations are conducted to track your performance and address any areas that require improvement.

NDA Advance Course (1 year)

For those seeking a more thorough and comprehensive preparation for the NDA entrance examination, Manasa Defence Academy offers the NDA Advance Course spanning one year. This course provides an in-depth understanding of the subjects and ample time for practice to ensure a higher success rate.

Duration and Curriculum

The NDA Advance Course is designed to cover the entire NDA syllabus in great detail. The duration of one year allows for an extensive focus on each subject, ensuring a comprehensive understanding. The curriculum includes:

Mathematics: Similar to the NDA Crash Course, mathematics is a vital component of the NDA Advance Course. Our expert faculty members provide extensive coaching in mathematics, enabling you to solve complex problems with ease and accuracy.

General Ability: The general ability section in the NDA entrance examination requires a broad understanding of English, general knowledge, and logical reasoning. Our Advance Course offers an intensive study of these subjects, along with regular practice sessions and mock tests to enhance your performance.

SSB Interview Preparation: Clearing the Services Selection Board (SSB) interview is an essential step towards joining the defense forces. Our NDA Advance Course includes personalized guidance and intensive training to help you excel in the SSB interview. Mock interviews, group discussions, and personality development sessions are conducted to enhance your overall performance and confidence.

Exclusive Study Material and Resources

As part of the NDA Advance Course, you will receive exclusive study materials, including comprehensive notes, practice papers, and reference books. These resources are carefully curated to cover the entire NDA syllabus and are regularly updated to align with the latest examination pattern and trends.

Our library facilities also provide access to a wide range of books, magazines, and journals related to defense studies. This allows you to broaden your knowledge base and stay updated with current affairs, military history, and global security issues.

Conclusion

If you have a burning desire to serve your country and embark on a fulfilling career in defense, the NDA Crash Course (6 months) and NDA Advance Course (1 year) at Manasa Defence Academy are perfect choices for you. With our dedicated faculty, comprehensive curriculum, and personalized attention, we strive to equip you with the necessary knowledge and skills to succeed in the NDA entrance examination. Don’t miss the chance to turn your aspirations into reality – join Manasa Defence Academy and kickstart your journey towards a rewarding career in defense.

[odishagovtjobss]

SSC GD 2025 !!!Apply Now in Online For 39481 Various Posts For Constable, Rifleman,Sepoy

SSC GD has released a official notification for the recruitment of the year 2025 was issued on 5 September 2024 and announcing 39,481 vacancies to be filled in 2025. The staff selection commission SSC conducts a competitive exam for various central government positions. SSC will do a competitive constable GD examination to recruit constable GD in BSF, CISF, CRPF, SSB, ITBP, SSF, rifleman GD in Assam rifles and sepoy in the narcotics control bureau NCB. The computer based examination CBE will be conducted from January to February in 2025, the online registration for the SSC constable GD rifleman GD and CP posts From September 2024 to 14 October 2024. Breif Details About SSC GD 2025 : Education Qualification: Vacancy Details: Age Limit: Selection Process: Examination Pattern : Salary: Application Fee: Important Dates : How to Apply For SSC GD 2025: Application Process for SSC GD ConstableImportant Links FAQ (Frequently Asked Questions): Breif Details About SSC GD 2025 : OrganizationStaff Selection Commission (SSC)Post NameConstable (GD), Rifleman (GD), SepoyTotal Vacancies39,481 (Male - 35,612, Female - 3,869)Age LimitMinimum 18 yrs, Maximum 23 yrsMode of ApplicationOnlineOnline Registration Dates5th September to 14th October 2024Selection ProcessExam, Physical TestOfficial Websitessc.gov.in Education Qualification: Eligibility CriteriaDetailsEducation QualificationMatriculation or 10th class pass from a recognized board/university.Important NoteCandidates who have not acquired the essential educational qualification as of 1st January 2025 will not be eligible and need not apply. Vacancy Details: Police / Defence ForceTotal Posts (For Males)Total Posts (For Females)Border Security Force (BSF)13,3062,348Central Reserve Police Force (CRPF)11,299242Central Industrial Security Force (CISF)6,430715Sashastra Seema Bal (SSB)2,564453Assam Rifles (AR)1,148100Indo Tibetan Border Police (ITBP)819NilSecretariat Security Force (SSF)35NilNarcotics Control Bureau (NCB)1111 Age Limit: Age Limit CriteriaDetailsMinimum Age18 years (Born on or before 1st January 2007)Maximum Age23 years (Born on or after 2nd January 2002)Upper Age Relaxation5 years for SC/ST, 3 years for OBC, and as per SSC rules Nationality: - Only Indian citizens are eligible to apply. Selection Process: Selection ProcessComputer Based Examination (CBE) (English and Hindi)Physical Efficiency Test (PET)Physical Standard Test (PST)Medical ExaminationDocuments Verification Examination Pattern : SubjectNo of QuestionsMaximum MarksPart A: General Intelligence and Reasoning2525Part B: General Knowledge and General Awareness2525Part C: Elementary Mathematics2525Part D: English/Hindi2525Total100100 Salary: Post NamePay ScaleConstable (GD)Pay Level 03 ₹ 21,700 - 69,100/-Rifleman (GD)Pay Level 03 ₹ 21,700 - 69,100/-SepoyPay Level 01 ₹ 18,000 - 56,900/- Application Fee: CategoryApplication FeeGeneral and OBC₹ 100/-All Women, SC, ST, and Ex-servicemenNilPayment MethodOnline Mode (SBI Net Banking, Credit Card, or Debit Card) Important Dates :

How to Apply For SSC GD 2025: Application Process for SSC GD Constable - Website: Visit www.ssc.gov.in. - Apply: Click the “Apply” button in the Quick Links category and select "Constable (GD) in Central Armed Police Forces (CAPFs), SSF, Rifleman (GD) in Assam Rifles and Sepoy in Narcotics Control Bureau Examination, 2025." - Registration: - Click “Register Now” to complete the one-time SSC Registration. - Create a Username and Password. - Log In: Use your Username (Registration Number) and Password to log in. - Fill Details: - Enter basic, personal, and communication details. - Upload a scanned copy of a color passport-size photograph, signature, and other required documents/certificates. - Deadline: The last date for registration of online applications is 14th October 2024 (Monday) Important Links - Notification PDF - Online Application Link - For More Job Information FAQ (Frequently Asked Questions): QuestionAnswerWhat is the SSC GD post?SSC GD is initially appointed as a guard or escort.What is the age limit for SSC GD?Minimum 18 years of age.What is the salary of SSC GD jobs?₹21,700 per month, with a maximum of ₹69,100 per month.Is the SSC GD exam very tough?No, the SSC GD exam is usually not very tough.What is the SSC GD physical test?It evaluates candidates' physical capabilities. Read the full article

[coolandgoodvibes]

Apply For Your Indian Passport: Quick Guide

Preparing a trip overseas? Get started by implementing for an Indian passport. This tutorial will let you by the method. It helps make certain your knowledge is easy and straightforward.

You could complete the passport application type online or offline. Get the shape from your Ministry of External Affairs of India's Web page or put up offices. Or, utilize the Passport Seva Site for online varieties.

The form asks for your personal title, address, and start date, between other particulars. Make sure you fill it out suitable to prevent delays.

India has distinctive passports like typical, diplomatic, and Formal ones. Decide on the type you require to your vacation.

Additionally you have to have to supply paperwork like evidence of deal with and identification. Gather all these paperwork prior to deciding to apply.

You pays the applying charge on the net or offline. You can use credit score/debit playing cards, internet banking, or SBI bank challan. passport number check by name

Passport images are vital for the application. They ought to be coloration, on a white track record, and a pair of x two inches in dimensions.

Here are some strategies for filling out the form. Double-Check out your aspects, use the right ink, and provide all necessary paperwork. Also, know the expenses and payment selections, be honest regarding your past, and keep in mind any additional demands.

Immediately after filling out the shape, fork out the cost and fasten your documents. You'll be able to submit it at a Passport Seva Kendra or by write-up.

If you want support, question at the nearest Passport Seva Kendra or Regional Passport Workplace.

A brand new Indian passport expenses INR 1500 for 36 internet pages or INR 2000 for sixty webpages in the Passport Seva Portal. You can get your passport in thirty to 45 days, or in some cases even sooner.

Strategy forward and have international journey insurance plan with all your passport for a secure excursion.

Specifications for Filling Out a Passport Software Kind

Applying for an Indian passport necessitates Assembly certain desires and providing correct details. You need to complete a kind with personal facts and documents. Here i will discuss the principle specifications:

Facts of Applicants

You should enter your full title, delivery date, birthplace, plus much more. It is important to give correct facts. passport seva customer care

Specifics of Relatives

In case you are a insignificant, you'll need to offer facts about your dad and mom or guardians. You may additionally require your guardian's passport details.

Specifics of Existing Household Address

Enter your existing tackle and contact information. Say When your long-lasting address is the same or not.

Emergency Speak to Facts

Provide emergency Make contact with data, like title, tackle, cell phone, and electronic mail.

Details of Previous Passport or Application

In the event you've had a passport just before, give its information. Incorporate details about previous passport apps if wanted.

Other Facts

Notify about any felony scenarios or previous passport refusals. Point out in case you've utilized for foreign citizenship. In the event you've utilized an Emergency Certification to return to India, give aspects.

Facts of Expenses being Paid out

You'll need to pay for a rate. The quantity is proven, and you may require to present a need draft info.

Enclosures

Connect or submit documents like an Aadhaar card and voter ID with your software.

Needs for Passport Photographs

When you submit an application for an Indian passport, you must supply passport photos that meet up with specific requirements. These shots are essential to your id while in the passport. Listed below are the main points to think about in your passport photographs:

Sizing and backbone

Your passport photo have to be two inches x 2 inches or fifty one mm x 51 mm in dimensions. Make certain your pics are the proper dimensions to prevent challenges. Also, use higher-resolution images and printing to ensure the images are clear.

Track record and Lights

Make sure the lighting as part of your photo is even and will not build shadows. Use a white or mild qualifications. A transparent, nicely-lit track record would make your encounter get noticed, increasing the Image high quality.

Facial Characteristics

Your passport Picture should really display your entire deal with, together with each ears. You can't dress in hats, caps, or scarves Until It can be for just a spiritual reason. Your photo should present your real overall look, since it's your ID.

Small children and Infants

Small children and toddlers have Distinctive passport Image procedures. Toddlers underneath just one 12 months Really don't will need their eyes open up. For toddlers and infants, goal for a calm look in the Image. This will make guaranteed the Picture displays the child's accurate look and satisfies the standard specifications.

Glasses

You can have on Eyeglasses within your passport photo. But, be certain there isn't any glare or reflection that hides your eyes. If you always wear Eyeglasses, your Photograph should clearly show how you always appear.

To wrap it up, make sure your passport pics are the best dimension with the Indian passport Office environment. They need to show your deal with Obviously with none blocks. Adhering to these tips can help make your passport application clean in India.

[ahandhiman]

SBI Bank Credit Cards for Students: A Wise Choice?

SBI Bank offers student-friendly credit cards designed to provide financial flexibility and help build credit history. The SBI Student Plus Advantage Card is particularly popular, offering reward points on every transaction, which can be redeemed for various gifts, vouchers, and cashback. Additionally, the card provides a fuel surcharge waiver, making it economical for commuting students. With competitive interest rates, these cards are affordable and manageable for young adults. Advanced security features, such as EMV chips and OTP authentication, ensure the safety of transactions. Students can easily apply for these cards by providing basic documentation, including proof of identity, address, and student status. A guardian's consent may be required. Overall, SBI Bank credit cards for students offer financial independence, attractive rewards, and essential money management skills, making them a wise choice for managing expenses responsibly while laying the foundation for future financial health.

[educationprogram20]

SSC CGL Recruitment 2024: Apply Now for 17,727 Group 'B' and 'C' Vacancies

The Staff Selection Commission (SSC) has officially opened the application window for the Combined Graduate Level (CGL) Examination 2024, heralding a major recruitment drive with 17,727 vacancies across various Group 'B' and Group 'C' posts. This recruitment is a significant opportunity for graduates aspiring to secure a stable and prestigious position within the Indian government. Here’s an in-depth look at the SSC CGL Recruitment 2024.

Overview of SSC CGL 2024 Recruitment

Vacancies and Posts

This year, the SSC CGL recruitment drive seeks to fill 17,727 vacancies distributed among various ministries, departments, and organizations. The positions are classified into Group 'B' (both Gazetted and Non-Gazetted) and Group 'C'. Notable posts include:

Assistant Audit Officer (Group B - Gazetted)

Assistant Accounts Officer (Group B - Gazetted)

Assistant Section Officer (Group B - Non-Gazetted)

Inspector of Income Tax (Group B - Non-Gazetted)

Inspector (Central Excise) (Group B - Non-Gazetted)

Assistant Enforcement Officer (Group B - Non-Gazetted)

Sub Inspector (CBI) (Group B - Non-Gazetted)

Junior Statistical Officer (Group B - Non-Gazetted)

Auditor (Group C)

Accountant/Junior Accountant (Group C)

Tax Assistant (Group C)

Upper Division Clerk (Group C)

Eligibility Criteria

Candidates must meet specific eligibility criteria to apply for the SSC CGL 2024:

Educational Qualification: A Bachelor’s degree from a recognized university or institution. Additional qualifications may be required for certain posts (e.g., Junior Statistical Officer requires a degree with Statistics as one of the subjects).

Age Limit: The age limit generally ranges from 18 to 32 years, varying by post. Age relaxation is provided for candidates from reserved categories as per government regulations.

Important Dates

Online Application Start Date: June 25, 2024

Online Application End Date: July 25, 2024

Tier-I Examination Date: September 2024

Tier-II Examination Date: To be announced

Application Process

The application process for SSC CGL 2024 is straightforward and entirely online:

Registration: Visit the SSC official website and register by providing basic personal details.

Filling the Application Form: Log in with your credentials and complete the detailed application form.

Uploading Documents: Upload required documents, including a recent photograph and signature.

Payment of Fees: Pay the application fee online via net banking, credit/debit card, or offline through an SBI challan.

Selection Process

The selection process for SSC CGL 2024 comprises four tiers:

Tier-I: Computer-Based Examination (Objective Type)

Tier-II: Computer-Based Examination (Objective Type)

Tier-III: Descriptive Paper (Pen and Paper Mode)

Tier-IV: Computer Proficiency Test/Skill Test/Document Verification (as applicable)

Exam Pattern

Tier-I: Includes sections on General Intelligence and Reasoning, General Awareness, Quantitative Aptitude, and English Comprehension.

Tier-II: Covers Quantitative Abilities, English Language and Comprehension, Statistics (for JSO), and General Studies (Finance and Economics for AAO).

Tier-III: Involves essay, letter, application, or precis writing.

Tier-IV: Encompasses skill tests or document verification.

Conclusion

The SSC CGL 2024 recruitment offers a remarkable opportunity for graduates to enter government service, with a vast number of vacancies and a diverse array of posts. With the application window now open, eligible candidates should seize this chance to apply and prepare diligently for the examinations.

For more detailed information and to apply, visit the official SSC website. Ensure you complete the application process before the deadline and stay updated with the latest notifications. 

[banksdekho123]

Millennial or Millionaire- Find Your Perfect Credit Card Match

Nowadays, credit cards have become popular financial products that provide their users with a range of opportunities and characteristics depending on the client’s preferences. In India, the credit card market is full of choices for consumers that fulfill their lifestyle, spending, and financial behavior profiles. Whether it is a card that literally pays you cashback and points every time you make a purchase, or a card that offers premium travel benefits and bespoke services to its users, a good credit card can easily make a world of difference to the cardholder. This article explores the various categories of acclaimed credit cards that are being offered in India along with a focus on the type of consumers that are eligible for these cards. If you are a generation Y hoping to get as much technological convenience within your card as possible, a business traveller concerned with comfort on the road, or a frugal ultra-conscious spender who wants as much cashback as possible, then this guide will give you an understanding of how to go about and select the most appropriate credit card.

1. HDFC Bank Millennia Credit Card

The HDFC Bank Millennia Credit Card is primarily targeted at the millennial generation customer, who are technologically inclined and seek the ease and privileges that come with the card. This card offers personal and secured promotions mostly on online shopping and other lifestyle payments. With simple sign up procedures and short approval times, the Millennia Credit Card guarantees that young workers get the freedom they need to manage their finances, as well as the best features and benefits–thus making it appealing to young people.

Benefits:

5% cashback on Amazon, BookMyShow, and travel bookings via PayZapp & SmartBuy.

1% cashback on other expenses.

Complimentary access to domestic airport lounges.

1% fuel surcharge waiver.

Annual Fee:

INR 1,000 (waived on annual spends of INR 1 lakh).

Approval Process:

Eligibility: Minimum age of 21 years, maximum age of 60 years.

Income Criteria: Minimum annual income requirement (varies for salaried and self-employed individuals).

Application: Apply online through the HDFC Bank website or visit a branch. Submit required documents including ID proof, address proof, and income proof.

2. SBI Card PRIME

SBI developed the SBI Card PRIME as a premium product that targets high-income consumers who would love to be rewarded with unique privileges. This card is incredibly versatile with good rewards in the travel and shopping categories and solid cash back rate for everyday spending. This is because SBI Card PRIME is notable for its excellent customer relations and the extensive coverages that help users to have a premium banking experience.

Benefits:

5% cashback on dining, groceries, and movies.

1 reward point per INR 100 spent on other categories.

Welcome e-gift voucher worth INR 3,000.

Complimentary Club Vistara Silver membership.

Annual fee reversal on spends of INR 3 lakhs.

Annual Fee:

INR 2,999.

Approval Process:

Eligibility: Minimum age of 18 years.

Income Criteria: Minimum annual income of INR 6 lakhs.

Application: Apply online on the SBI Card website or through an SBI branch. Provide documents such as ID proof, address proof, and income proof.

3. ICICI Bank Amazon Pay Credit Card

Amazon Pay Credit Card is a co-branded credit card that offers a fully functional synchronisation with the Amazon India environment for card users for convenient and profitable purchases. With the features of a cashback card, this is more than a simple payment method however it is a way that helps the constant online shopper make even more out of each purchase they make with the platform.

Benefits:

5% cashback on Amazon for Prime members, 3% for non-Prime members.

2% cashback on Amazon Pay partner merchants.

1% cashback on all other spends.

No joining or annual fee.

Annual Fee:

No annual fee (Lifetime free).

Approval Process:

Eligibility: Available to Amazon customers with a valid Amazon account.

Application: Apply online through the ICICI Bank or Amazon website. Provide basic KYC documents including ID proof and address proof.

4. Standard Chartered Super Value Titanium Credit Card

The Standard Chartered Super Value Titanium Credit Card is right for people who consider value-for-money as an important factor when choosing their credit card. It is famous for its clear economics model and it is targeted at people who can find their worth in regular expenses like fuel or utility bills. That is why, to the cost-conscious customer, the Super Value Titanium Credit Card’s convenient redemption options and clear functions make it a wise decision.

Benefits:

5% cashback on fuel, phone, and utility bill payments.

1 reward point per INR 150 spent on other categories.

Annual fee waiver on spending INR 60,000 in a year.

Annual Fee:

INR 750.

Approval Process:

Eligibility: Minimum age of 21 years.

Income Criteria: Minimum monthly income of INR 25,000.

Application: Apply online via the Standard Chartered website or at a branch. Submit ID proof, address proof, and income proof.

5. Axis Bank ACE Credit Card

Among all the features, the Axis Bank ACE Credit Card is truly special because of its extensive and consistent cashback offer and flexibility of its use in standard consumer spending areas. Introducing this Google Pay Collaborated Card, the design is aimed at the millennial or any person who wants to have an easy time handling his or her finances. It can be suitable for those expecting considerable gains on their every purchase besides offering simplicity in contrast to multiple tiers of rewards.

Benefits:

5% cashback on utility, phone bills via Google Pay.

4% cashback on Swiggy, Zomato, and Ola.

2% cashback on other categories.

Complimentary lounge access.

Annual Fee:

INR 499 (waived on annual spends of INR 2 lakhs).

Approval Process:

Eligibility: Minimum age of 18 years.

Income Criteria: Minimum annual income of INR 2.4 lakhs.

Application: Apply online through the Axis Bank website or visit a branch. Provide necessary documents including ID proof, address proof, and income proof.

Choosing the right credit card goes beyond the reward programs and special offers; it also involves finding a credit card that fits one’s use and needs in the entire process of making financial advancements. The credit cards mentioned in this article shed light on the types of cards currently in the Indian market and how each one is crafted to serve different customer categories.

For the young generation of working individuals including the youths, there are sophisticated cards such as the HDFC Bank Millennia Credit Card and the Axis Bank ACE Credit Card that offer great bonuses on spends and are fit with modern technological interactivity. The lifestyle cards mainly target the high-income earners with enhanced travel privileges and a luxurious presence in the credit cards like the HDFC Regalia Credit Card, the SBI Card PRIME, etc. There are special cards like the ICICI Bank Amazon Pay Credit Card and the Flipkart Axis Bank Credit Card for somebody who loves shopping online, as they offer handsome cashback on those forums.

By recognizing the best suited features of each card and the respective target market, it’s easy for a consumer to make the right choices that will effectively align with budgeting behaviours and goals. Regardless of whether you are interested in earning rewards in the form of cash, travel points or bargaining special privileges, there is a credit card that will suit your interests. However, understanding your spending habits and personal monetary behaviour will help you choose a credit card that suits your needs and lead a structured and fruitful credit card experience. Responsible usage and informed selection hence, turns credit cards into financial management benefits that enable the building of credit and overall improvement of the financial status of an individual.

Visit Us: https://banksdekho.com/find-your-perfect-reward-and-cashback-credit-card/

[ikshvakusingh]

Applying for an Education Loan: Step-by-Step Guide with the Best Banks

When it comes to pursuing higher education, an education loan can be a crucial financial tool that helps bridge the gap between aspirations and affordability. If you're considering applying for an education loan, you're on the right path towards realizing your academic dreams. In this comprehensive guide, we'll walk you through the process of applying for an education loan and introduce you to some of the best banks that offer these loans.

Step 1: Research and Choose the Right Bank

Start by researching the best banks that offer education loans. Look for institutions with a solid track record, favorable interest rates, flexible repayment terms, and excellent customer service. A few well-regarded banks that offer education loans include State Bank of India (SBI), HDFC Bank, ICICI Bank, and Axis Bank. These banks are known for their competitive loan offerings and efficient application processes.

Step 2: Determine Loan Eligibility

Before applying for an education loan, make sure you meet the bank's eligibility criteria. This often includes factors such as your academic qualifications, the course you're applying for, the institution's reputation, and your co-borrower's financial stability. Some banks may also consider your academic performance and the future earning potential of your chosen field of study.

Step 3: Choose the Right Loan Scheme

Different banks offer various education loan schemes to cater to different needs. Some schemes might offer lower interest rates for specific courses or institutions. Compare the loan schemes offered by different banks to choose the one that best aligns with your financial situation and academic goals.

Step 4: Gather Required Documents

Preparing the necessary documents is a critical step in the application process. Commonly required documents include:

Admission letter from the educational institution.

Proof of identity (passport, Aadhaar card, etc.).

Proof of residence (utility bills, rental agreement, etc.).

Academic records (marksheets, certificates, etc.).

Income proof of the co-borrower (salary slips, income tax returns, etc.).

Collateral documents (if applicable).

Step 5: Estimate Loan Amount

Calculate the total cost of your education, including tuition fees, accommodation, travel expenses, and other related costs. Once you have an accurate estimate, apply for an education loan that covers your entire cost of education or a significant portion of it. Keep in mind that different banks have varying limits on the loan amount they offer.

Step 6: Complete the Application Form

Visit the bank's official website and locate the education loan application form. Fill out the form accurately and thoroughly, providing all necessary details. Be sure to include accurate information about your course, institution, and co-borrower's financial details.

Step 7: Collateral Assessment (If Applicable)

In some cases, banks may require collateral or a co-borrower with a strong credit history. The collateral can be property, fixed deposits, or other assets. The bank will assess the value of the collateral to determine the loan amount they can offer.

Step 8: Loan Sanction and Disbursement

After submitting your application, the bank will review your documents, assess your eligibility, and evaluate the course and institution you've chosen. Once your application is approved, the bank will send you an offer letter outlining the terms and conditions of the loan. After you accept the offer, the loan amount will be disbursed directly to the educational institution or to your account, depending on the bank's policies.

Step 9: Repayment Plan

Understand the repayment terms, including the interest rate, repayment tenure, and the grace period (if any) after completing your education. Different banks offer different repayment options, so choose the one that aligns with your future financial prospects.

Conclusion

Applying for an education loan can be a smooth process if you follow these steps diligently. Researching the best banks that offer education loans, understanding their eligibility criteria, gathering the required documents, and estimating the loan amount are all crucial aspects of the application process. By taking these steps and selecting the right bank, you can pave the way for a successful education journey without undue financial stress.

[ikshvakudiary]

Applying for an Education Loan: Step-by-Step Guide with the Best Banks

When it comes to pursuing higher education, an education loan can be a crucial financial tool that helps bridge the gap between aspirations and affordability. If you're considering applying for an education loan, you're on the right path towards realizing your academic dreams. In this comprehensive guide, we'll walk you through the process of applying for an education loan and introduce you to some of the best banks that offer these loans.

Step 1: Research and Choose the Right Bank

Start by researching the best banks that offer education loans. Look for institutions with a solid track record, favorable interest rates, flexible repayment terms, and excellent customer service. A few well-regarded banks that offer education loans include State Bank of India (SBI), HDFC Bank, ICICI Bank, and Axis Bank. These banks are known for their competitive loan offerings and efficient application processes.

Step 2: Determine Loan Eligibility

Before applying for an education loan, make sure you meet the bank's eligibility criteria. This often includes factors such as your academic qualifications, the course you're applying for, the institution's reputation, and your co-borrower's financial stability. Some banks may also consider your academic performance and the future earning potential of your chosen field of study.

Step 3: Choose the Right Loan Scheme

Different banks offer various education loan schemes to cater to different needs. Some schemes might offer lower interest rates for specific courses or institutions. Compare the loan schemes offered by different banks to choose the one that best aligns with your financial situation and academic goals.

Step 4: Gather Required Documents

Preparing the necessary documents is a critical step in the application process. Commonly required documents include:

Admission letter from the educational institution.

Proof of identity (passport, Aadhaar card, etc.).

Proof of residence (utility bills, rental agreement, etc.).

Academic records (marksheets, certificates, etc.).

Income proof of the co-borrower (salary slips, income tax returns, etc.).

Collateral documents (if applicable).

Step 5: Estimate Loan Amount

Calculate the total cost of your education, including tuition fees, accommodation, travel expenses, and other related costs. Once you have an accurate estimate, apply for an education loan that covers your entire cost of education or a significant portion of it. Keep in mind that different banks have varying limits on the loan amount they offer.

Step 6: Complete the Application Form

Visit the bank's official website and locate the education loan application form. Fill out the form accurately and thoroughly, providing all necessary details. Be sure to include accurate information about your course, institution, and co-borrower's financial details.

Step 7: Collateral Assessment (If Applicable)

In some cases, banks may require collateral or a co-borrower with a strong credit history. The collateral can be property, fixed deposits, or other assets. The bank will assess the value of the collateral to determine the loan amount they can offer.

Step 8: Loan Sanction and Disbursement

After submitting your application, the bank will review your documents, assess your eligibility, and evaluate the course and institution you've chosen. Once your application is approved, the bank will send you an offer letter outlining the terms and conditions of the loan. After you accept the offer, the loan amount will be disbursed directly to the educational institution or to your account, depending on the bank's policies.

Step 9: Repayment Plan

Understand the repayment terms, including the interest rate, repayment tenure, and the grace period (if any) after completing your education. Different banks offer different repayment options, so choose the one that aligns with your future financial prospects.

Conclusion

Applying for an education loan can be a smooth process if you follow these steps diligently. Researching the best banks that offer education loans, understanding their eligibility criteria, gathering the required documents, and estimating the loan amount are all crucial aspects of the application process. By taking these steps and selecting the right bank, you can pave the way for a successful education journey without undue financial stress.

[msmeregin]

Get mudra loan Benefits with MSME registration

Ever wanted to get mudra loan Benefits? If you're an MSME or Micro and Small Medium Enterprises, this article is for you. With the registration process becoming more straightforward, this article will explain MSME registration with Mudra Bank.

How to get mudra loan Benefits?

Mudra loans can be used for a variety of purposes. While opting for a mudra loan, many people look forward to the benefits attached to it. With the advantages of getting a mudra loan, one can easily select their desired loan amount. Some of them are a flexible repayment schedule, quick loan processing, and an easy repayment method. If you are looking for a loan to buy your dream home or a vehicle, mudra loans are the best option. It's one of India's most popular online loan providers, working with banks to help you get rid of your financial burden and follow your dreams.

Is MSME registration required for Mudra Loan?

Were you thinking of starting a business or buying a property? Then, it is essential to ensure that you go through the registration process with msme. This way, your loan application will be processed faster, and you will easily access financing for future investments. As per the MSME registration notification, the Mudra bank gives a loan up to Rs. 10 Lakhs to the small and medium businesses within a prescribed limit of Rs. 20 million. The credit amount will be given in the form of a revolving loan, and it will be repaid with very cheap interest and principal installments. 

 How do I register under MSME registration?

MSMEs are required to register under msme with the Ministry of Micro, Small, and Medium Enterprises (MSME), and certain documents need to be submitted for MSME registration. The following is a rundown of what needs to be done for an MSME to be registered:-Applicant's name-Date of birth-Place of establishment-Main business activities-Authority issued by the competent authorities evidence that said the applicant would conduct the activity in question within the geographic area specified in the application.

 Entrepreneurs with a vision can create a powerful brand for their company or service using the MSME platform. You can get a loan for your Business monitoring with MSME registration. MSME registration is one of the quickest and simplest ways to get a loan. You have to register yourself as an individual or company, and you are good to go!

 What are the benefits of MSME registration?

Msme registration is registering a manufacturing company with the Ministry of Small and Medium Enterprise Development (MSMED). The primary benefit of MSME registration is that it can help you avail of loans from various banks such as SBI, UCO Bank, IDBI Bank, LIC, etc.

Registration with the MSME is mandatory for those who are not already registered. The benefits of MSME registration include any document issued by the ministry, a list of members, a copy of their membership card, and the opportunity to receive an MSME loan for their business startups with cheap interest, ie... a mudra loan.

 Conclusion

Mudra loans are an excellent solution for everyone having a hard time getting a loan from banks. People have been searching for ways to manage their debt and spend less, which is why there has been an increase in the number of people who apply for mudra loans. Mudras are beneficial because they allow people to reduce their loan repayment amount and make payments in installments instead of all-inclusive financers. The Mudra loan is a good option for you to get the benefits of Mudra loan as a short-term loan. Moreover, you will be given a loan as per your eligibility. Finding a loan for MSME is not an easy task. There are many benefits to the loan, with low-interest rates and quick disbursement of funds.

Mudra loan Benefits : The Mudra loan is a unique loan facility offered by MSME Finance to its member MSMEs. It provides finance for the purchase or setup of capital assets/innovations, enabling the business to grow and contribute to national GDP. In addition, the facility fosters an innovative culture in industries by providing loans for projects that may not be bankable in the ordinary course.

[odishagovtjobss]

SSC GD 2025 !!!Apply Now in Online For 39481 Various Posts For Constable, Rifleman,Sepoy

SSC GD has released a official notification for the recruitment of the year 2025 was issued on 5 September 2024 and announcing 39,481 vacancies to be filled in 2025. The staff selection commission SSC conducts a competitive exam for various central government positions. SSC will do a competitive constable GD examination to recruit constable GD in BSF, CISF, CRPF, SSB, ITBP, SSF, rifleman GD in Assam rifles and sepoy in the narcotics control bureau NCB. The computer based examination CBE will be conducted from January to February in 2025, the online registration for the SSC constable GD rifleman GD and CP posts From September 2024 to 14 October 2024. Breif Details About SSC GD 2025 : Education Qualification: Vacancy Details: Age Limit: Selection Process: Examination Pattern : Salary: Application Fee: Important Dates : How to Apply For SSC GD 2025: Application Process for SSC GD ConstableImportant Links FAQ (Frequently Asked Questions): Breif Details About SSC GD 2025 : OrganizationStaff Selection Commission (SSC)Post NameConstable (GD), Rifleman (GD), SepoyTotal Vacancies39,481 (Male - 35,612, Female - 3,869)Age LimitMinimum 18 yrs, Maximum 23 yrsMode of ApplicationOnlineOnline Registration Dates5th September to 14th October 2024Selection ProcessExam, Physical TestOfficial Websitessc.gov.in Education Qualification: Eligibility CriteriaDetailsEducation QualificationMatriculation or 10th class pass from a recognized board/university.Important NoteCandidates who have not acquired the essential educational qualification as of 1st January 2025 will not be eligible and need not apply. Vacancy Details: Police / Defence ForceTotal Posts (For Males)Total Posts (For Females)Border Security Force (BSF)13,3062,348Central Reserve Police Force (CRPF)11,299242Central Industrial Security Force (CISF)6,430715Sashastra Seema Bal (SSB)2,564453Assam Rifles (AR)1,148100Indo Tibetan Border Police (ITBP)819NilSecretariat Security Force (SSF)35NilNarcotics Control Bureau (NCB)1111 Age Limit: Age Limit CriteriaDetailsMinimum Age18 years (Born on or before 1st January 2007)Maximum Age23 years (Born on or after 2nd January 2002)Upper Age Relaxation5 years for SC/ST, 3 years for OBC, and as per SSC rules Nationality: - Only Indian citizens are eligible to apply. Selection Process: Selection ProcessComputer Based Examination (CBE) (English and Hindi)Physical Efficiency Test (PET)Physical Standard Test (PST)Medical ExaminationDocuments Verification Examination Pattern : SubjectNo of QuestionsMaximum MarksPart A: General Intelligence and Reasoning2525Part B: General Knowledge and General Awareness2525Part C: Elementary Mathematics2525Part D: English/Hindi2525Total100100 Salary: Post NamePay ScaleConstable (GD)Pay Level 03 ₹ 21,700 - 69,100/-Rifleman (GD)Pay Level 03 ₹ 21,700 - 69,100/-SepoyPay Level 01 ₹ 18,000 - 56,900/- Application Fee: CategoryApplication FeeGeneral and OBC₹ 100/-All Women, SC, ST, and Ex-servicemenNilPayment MethodOnline Mode (SBI Net Banking, Credit Card, or Debit Card) Important Dates :

How to Apply For SSC GD 2025: Application Process for SSC GD Constable - Website: Visit www.ssc.gov.in. - Apply: Click the “Apply” button in the Quick Links category and select "Constable (GD) in Central Armed Police Forces (CAPFs), SSF, Rifleman (GD) in Assam Rifles and Sepoy in Narcotics Control Bureau Examination, 2025." - Registration: - Click “Register Now” to complete the one-time SSC Registration. - Create a Username and Password. - Log In: Use your Username (Registration Number) and Password to log in. - Fill Details: - Enter basic, personal, and communication details. - Upload a scanned copy of a color passport-size photograph, signature, and other required documents/certificates. - Deadline: The last date for registration of online applications is 14th October 2024 (Monday) Important Links - Notification PDF - Online Application Link - For More Job Information FAQ (Frequently Asked Questions): QuestionAnswerWhat is the SSC GD post?SSC GD is initially appointed as a guard or escort.What is the age limit for SSC GD?Minimum 18 years of age.What is the salary of SSC GD jobs?₹21,700 per month, with a maximum of ₹69,100 per month.Is the SSC GD exam very tough?No, the SSC GD exam is usually not very tough.What is the SSC GD physical test?It evaluates candidates' physical capabilities. Read the full article

[rojgarbharat]

Name of Post:

SBI Circle Based Officer CBO Online Form 2023

Post Date:21 November 2023 | 10:17 AMShort Information :State Bank of India (SBI) has Recently Invited to the Online Application Form for the Post Circle Based Officer CBO Recruitment 2023.

State Bank of India (SBI)

SBI CBO Current Openings Recruitment 2023

SBI Advt No. : CRPD/ CBO/ 2023-24/18

Important Dates

Start Date: 22/11/2023

Last Date : 12/12/2023

Exam Date : January 2024

Application Fee

General / OBC / EWS :Rs. 750/-

SC / ST / PH / Female : Rs. 0/-

You can pay through:

Credit Card

Debit Card

Net Banking

UPI

Age Limit as on (31/10/2023)

Minimum Age : 21 Years

Maximum Age : 30 Years

Age Relaxation read the notification.

Vacancy Details

Total Post : 5280 Post

Post Name

Gen

EWS

OBC

SC

ST

Total

Qualification

SBI CBO Regular Vacancy

2157

527

1421

787

3885280

Bachelor Degree in Any Stream at Any Recognized University in India.

Know the Local Language.

SBI CBO Backlog Vacancy

NA

NANA

NA

NA

NA

Selection Process

Written Exam

Screening

Interview

Document Verification

Medical Examination

Required Documents

Candidates Photograph

Candidates signature

Left Hand Thumb Impression (10 kb-20 kb)

Hand Written Declaration"I,______(Name of the candidate), Date of Birth ______hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required. The signature, photograph and left thumb impression is of mine".

SBI CBO Salary 2023

AllowanceAmountPay Scale36000-1490/7-46430-1740/2- 49910-1990/7-63840Basic PayRs. 36,000Dearness Allowance (DA)Rs. 16,884House Rent Allowance (HRA)Rs. 2520City Compensatory Allowances (CCA)Rs. 1080Other AllowancesRs. 2000Gross Salary Rs. 58,484Deduction Rs. 8187.6Net Salary Rs. 50,296.24

How To Apply SBI CBO

These are following step.

Click on the Apply Online Link given below.

Fill out the application form.

Upload the required documents

Pay Fees

Print the Application Form.

Click More......

[sivasaravanachits]

How Do I Convert My Zero-Balance Account To A Savings Account In SBI?

State Bank of India (SBI) is one of the most popular banks in India that offers a range of banking products and services. If you have a zero-balance account in SBI, you may be wondering how to convert it into a savings account. The good news is that converting your zero-balance account into a savings account is a straightforward process and can be done through various channels. In this blog post, we'll discuss the steps you need to take to convert your SBI zero-balance account into a savings account.

Step 1: Fill Out the Account Opening Form

To convert your zero-balance account into a savings account, you need to fill out the account opening form. You can download the form from the SBI website or collect it from your nearest SBI branch. Fill out the form with accurate information, including your personal and contact details. Make sure to provide the correct account number and name, as this will be used to identify your account during the conversion process.

Step 2: Submit the Necessary Documents

Once you've filled out the account opening form, you need to submit a few necessary documents. SBI may ask for your passport-sized photographs, proof of identity, and address proof. You can submit any government-issued documents such as your PAN card, Aadhaar card, voter ID, or passport as proof of identity and address. Make sure to carry the original documents with you when you visit the SBI branch.

Step 3: Deposit the Minimum Balance

After submitting the necessary documents and the account opening form, you need to deposit the minimum balance required for opening a savings account. The minimum balance varies for urban, metropolitan, and rural areas, and you can find the exact amount on the SBI website or by visiting the nearest SBI branch. Once you deposit the minimum balance, your zero-balance account will be converted into a savings account.

Step 4: Wait for Your Account to be Activated

After you've completed the above three steps, your account will be activated within a few days. You'll receive an SMS or email after your savings account is activated, and you'll be able to access all the savings account features, including internet banking, mobile banking, and ATM services.

Must Read This: Does ICICI Bank Check CIBIL Credit Score Before Opening Saving Account?

Step 5: Update Your KYC Details

Once your account is activated, make sure to update your KYC details. Guaranteed Interest Account Your KYC details are essential for maintaining your savings account, and it is mandatory to update them periodically. You can visit the SBI branch or update your KYC details online through internet banking or mobile banking.

Conclusion:

Converting your zero-balance account into a savings account in SBI is a simple process that can be done within a few days. All you need to do is fill out the account opening form, submit the necessary documents, deposit the minimum balance, and wait for your account to be activated. SBI offers various channels for opening a savings account, including the SBI YONO app, internet banking, and visiting the nearest SBI branch. So, go ahead and convert your zero-balance account into a savings account and enjoy the benefits of having a savings account in SBI.

[reckonfinserv]

SimplySAVE SBI Credit Card

SBI SimplySAVE is the most suitable credit card for beginners and for people looking for a rewarding card for everyday spending. You will get: ✅ 10X rewards on spends with partners✅ Fuel surcharge waiver✅ Cashback on first ATM withdrawal Why you should apply from here: ✔ 100% online process✔ Minimal documentation Apply now to get your SimplySAVE credit card - https://wee.bnking.in/ZjdiOTcw Benefits of SimplySAVE SBI Credit Card Milestone - 2000 Bonus points on spending ₹2000 in first 60 days - Annual Fee Reversal if previous year spends is ≥ ₹1,00,000 in a year Fuel - 1% Fuel surcharge waiver on purchase above ₹500 Others - 10X reward points on Dine-in, Grocery & Movie - Get ₹100 cashback on first ATM cash withdrawal - Earn 1 reward points on other spends - No annual fee from 2nd year onwards - Accepted in more than 24 million outlets worldwide - Convert purchases above ₹2500 into EMI using Flexipay Important Terms & Conditions - You can avail bonus reward points only after payment of joining fee* - Benefits, Rewards & Offers may differ as per the card type/variant - Credit limit varies as per your credit score *Differs from card to card variant* Eligibility Criteria Salaried - Age Group: 21 - 65 years - Income Range: ₹20,000+ - Documents Required: - Identity proof: Any one of the documents - Passport, PAN Card, Ration Card, Aadhaar Card, Voter ID Card, Driving Licence - Address proof: Any one of the documents - Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card - Income Proof: Salary certificate, Recent salary slip, Employment letter ❏ Age Group: 21-70 years ❏ Income Range: ₹30,000+ ❏ Documents Required: - Identity proof: Any one of the documents - Passport, PAN Card, Ration Card, Aadhaar Card, Voter ID Card, Driving Licence - Address proof: Any one of the documents - Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card - Income Proof: Certified financials, Recent ITR (Income Tax Returns), Audited profit and loss statement or balance sheet Eligibility Criteria Self-employed - Credit Score should be 730+ Application Process Visit the SBI credit card website by clicking on the link shared by your advisor. Keep the following details handy to start the process - Your PAN card - Aadhaar card and - Bank account details 01 Click on ‘Start apply journey’ Now, select any card of your choice and click on ‘Apply Now’ Enter your personal details such as name, mobile number, tick the terms & conditions checkbox and click on 'Continue' 02-Enter your professional details such as employment type, office address and click on 'Continue to Digilocker' 03-Enter your Aadhaar number, Security code(captcha) and click ‘Next’ 04-Enter the OTP sent to your mobile number and click on 'Continue' 05-Your application has been 06 successfully submitted If your application is approved, the bank executive will contact you in the next 48 hours for verification and completion of KYC - On completion of the due process, the bank will take a final decision on card approval - Once approved, you will get the credit card within 7 to 15 days of the final decision Help & Support FAQs - Which SBI credit card is good for beginners? SBI SimplyCLICK is the most popular entry-level SBI credit card for beginners. This card comes with an annual fee of ₹499 and is suitable for you if you want to avail good benefits at a low annual fee. SBI SimplyCLICK is beneficial if you frequently shop online. - What is the credit limit offered on SBI SimplyCLICK Credit Card? SBI SimplyCLICK Credit Card limit depends on your income, credit score, the highest limit on existing credit cards and many other internal factors. Hence the limit varies from one applicant to another. SBI Card does not communicate the credit limit at the time of application; you will get to know about your limit only when you get your new SBI SimplyCLICK SBI Card. - How to redeem SBI credit card points in cash? SBI Card has provided the facility to convert reward points into cash. You can call on the toll-free number 1800 180 1290 or (prefix local STD code) 39 02 02 02 and ask for the conversion of your points into cash. You can also write a mail by visiting https://www.sbicard.com/en/webform/write-to-us-logi n.page. - What is the validity of SBI credit card reward points? The reward points earned on your SBI credit card come with a validity of 24 months, i.e., 2 years. For an instance, if you have a rewards balance of 1,000 reward points on 25 Jan 2022. Then, this balance will be valid till 25 Jan 2024. After this date, your earned reward points will expire and you won't be able to redeem them. - Can I change the delivery/billing address after placing an order through my SBI Credit Card? The item will be delivered only to the registered address of the primary credit card owner. If you want to make any changes to the given address, then you can do the same by calling SBI Card customer care. You must remember that any kind of change in address will be made after successful verification. - What is the interest-free grace period offered on SBI SimplySAVE Credit Card? The interest-free credit period offered on SBI SimplySAVE Credit Card ranges from 20 to 50 days, depending on claims submitted by the merchant. - How can I pay my SBI SimplySAVE Credit Card bill? You can pay your credit card bill both online as well as offline. The online payment options include NEFT, electronic bill payment, National Automated Clearing House (NACH), Visa credit card pay, pay via debit card, etc. You can pay the credit card bill offline by cash, cheque, demand draft and SBI ATM. - Is BPCL SBI credit card good for beginners? BPCL SBI Card offers a 4.25% value back on your fuel purchases at BPCL petrol pumps. Apart from this, you can also earn 5X points on your spends at selected categories, which is an added advantage of this card. This is a good option if you are looking for a card to save more on your fuel expenses.   Congratulations! Enjoy the benefits of SBI Credit Card. Read the full article

[loomsolarblog]

How to Get Solar Loan for Rooftop Solar System?

The process of installing solar panels on loan has become quite easy and convenient these days. Solar panels are a popular way to save on your electricity bill. Many people want to install solar panels on the roof of their house and many people are not able to bear the huge expense involved in it. But now with a solar loan, installing solar panels has become easier and more affordable than ever.

If you are thinking of installing solar panels at your home or at any other place, then you can also install solar panels on instalments. Nowadays many banks and financial institutions are providing loans to people for installation of solar panels on the roofs of their houses.

List of Banks who provide solar loan.

· Punjab National Bank (PNB)

· HDFC Bank

· Canara Bank

· Bank of Baroda

· IDBI Bank

· Union Bank of India

· Saraswat Bank

· Kotak Bank

· ICICI Bank

· Axis Bank

· State Bank of India (SBI)

Documents required for solar loan.

Identity Proof — Aadhar Card, PAN Card etc.

Electricity bill for last 6 months

Bank statement of last 12 months

Residential or property documents

MSME Certificate (for business)

· File GST return for the current financial year (for business).

How to apply for solar loan?

The application process for taking a solar loan is quite simple, you can easily apply for a solar loan through the medium mentioned below.

Credit Card and Debit Card EMI

Like any other item, you can buy solar panels with your credit card and get them installed by paying easy EMI.

You can choose the EMI tenure on the credit card as per your convenience and pay the instalment from time to time.

Apart from credit card, you can also install solar on EMI with debit card. Eligible customers are provided with a pre-approved limit to make purchases on Debit Card EMI which you can use as a loan.

You can contact your bank to get information about the pre-approved limit available on your debit card.

Solar Loan from Banks and NBFCs

Solar loan facility is provided by many leading banks and NBFCs for installation of Roof Top Solar System.

This loan is given by the bank for installation of solar system as an individual, SME or business.

You can take a collateral-free solar loan from the bank in which you also get the option to choose a longer loan repayment tenure as per your eligibility.

The maximum repayment tenure offered by many solar finance companies and banks gives you enough time to complete the EMI.

To take a solar loan, you can apply online by visiting the official website of the bank or NBFC or you can contact your nearest branch.

Solar Loan with Home Loan

This loan is given by the bank to such customers who apply for a new home loan.

Apart from this, such customers can also get this loan who are currently taking home loan from the bank.

For example, Canara Bank — Housing cum Solar Loan is one such loan facility in which customers can take loan for solar system along with home loan.

Conclusion

This includes individual home loan borrowers who have sufficient space available to install solar equipment on their rooftop. At the same time, many banks provide solar loan facility in the form of home improvement loan for installation of residential solar system. To know more information about the solar systems and solar loan, it’s important to consult with a professional solar installer who will evaluate your specific needs and recommend the most appropriates for you.

[goldisolarindia]

Top 5 things to keep in mind while financing my solar system

A solar system could potentially save a significant amount on your electricity bills every month plus this investment can increase your property value and also save the environment.

Generally, solar systems pay off their initial investment within 6-10 years. If you employ the savings from your solar power project to offset the cost of your electric bill, you’ll find yourself paying less than what you would have paid using traditional means! There is a spread of financing options available for solar power panels like loans, net metering agreements with utilities, leasing options, and grants.

1. Check your credit score – Credit score is the important eligibility criterion for solar panel financing. This generally requires a Credit score of 660 or higher to qualify for solar financing. It helps to avail loans with low-interest rates.

2. Consider a loan – you’ll obtain a loan to purchase a solar power system. Loan options, including zero-down financing. There are several sorts of loans:

Personal loans – Personal loans for solar systems are getting popular. It offers fixed interest rates and monthly payments, so you usually know how much you’re paying. There are short-term (12-18 months) loans, also called bridge loans, that allow you to use the ITC and state credits immediately rather than waiting until you file taxes. In fact, you’ll combine this short-term with a long-term loan that covers the remaining cost of your installation.

Home Equity Loans – It works as a home loan, but they allow you to borrow against your home as collateral. Monthly payments depend on the borrowed amount. With a home equity loan, you’ll get approval even with a poor credit score as this is a secured loan and borrow only a part of the credit limit as per your need. The interest is charged only on the borrowed amount.

3. Documents required for solar financing – the below documents are needed while financing solar power panels.

● Power purchase contract (PPA) ● Residence & Factory ownership proof ● Proforma Invoice / Quotation ● Quality and safety standards followed ● List of authorizations and compliance gained

4. Other solar financing options – Remember that private loans are not the only option for financing a solar system. There are many options, so explore all the options before making a decision.

EMI payments – Buying solar energy using a credit or debit card to access the EMI options for most loans including solar systems.

Home improvement loans – you can avail of home improvement loans for upgrading or improving the property. Banks like SBI offer pans up to 1 lakh for home improvement and you’ll get such loans to set up a solar system.

Lease – Like leasing a car, you’ll lease a solar energy system to reduce your upfront expenses. Under this arrangement, a solar installer, finance provider, or other third party owns and maintains the system you set on your roof. you’ll pay a fixed monthly rate to the company that owns the system. A lease is usually 20-25 years.

Power purchase contract (PPA) – This is also like a lease. The difference is what proportion you pay and to whom. Under this, you buy the electricity generated back from the system owner at a set rate per kilowatt-hour. With PPAs you’ll quickly see immediate monthly savings on your energy bill.

Note that if you lease or have a PPA, you’re not eligible for the tax benefits and incentives, but you’ll save money on energy in the long run and lower your carbon emissions.

5. Government solar financing Incentives There are several things to keep in mind when financing your solar system. the govt offers tax benefits for solar panel installations, and lots of states offer additional rebates and incentives. These can make the system more affordable.

The Central Government and State Nodal Agencies offer subsidy schemes to the people for installing rooftop PV systems. There’s a 40% subsidy on benchmark capital costs for units of up to 3KW capacity and 20% for larger units up to 10 KW.

The electricity generated from the solar panels is employed for self-consumption with the net-metering approach. The buyer is charged for net units stored in the grid infrastructure for later use. This policy helps with the support of residential and C&I markets as well. The SRISTI scheme is in urban areas for the installation of solar panels. The SUABHAGYA scheme targets solar rooftop installations in rural areas where free electricity is given to all or any households irrespective of their APL and BPL status.

Renewable Energy Certificates (RECs)- These are tradable certificates that are meant to offer benefits to the ones who generate green power by providing incentives for every unit generated. It intends to supply advantages to the C&I sector for carbon neutrality.

Buy or Lease??? Leasing solar panels make the switch to solar power more attainable for customers who may not have cash reserves. However, leasing solar energy panels means you do not own them. Rather, a 3rd party owns the equipment. When you buy solar panels, there are often additional credits available to people that purchase solar panels based on the state or the manufacturer’s reimbursements. Owning or leasing solar panels both allow homeowners to enjoy utility bill savings. Leasing is best if you want to get started with solar without a large initial investment while owning the solar panel is the best way to save money in the long term. it’s always important to explore and compare different offers before making a deal.

Conclusion Solar systems typically have a payback period of 5-10 years. this suggests that you will be saving money every month, counting on the size of your system and the price of electricity in your area. By noting the above factors, you can be sure to get the best possible deal on financing your new solar system.

If you’re looking to purchase high-quality solar panels for your home with the best deals don’t forget to check out Goldisolar.com.

This Blog Originally Posted Here: https://goldisolar.com/top-5-things-to-keep-in-mind-while-financing-my-solar-system/