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stpaulscollegebangalore · 10 months ago

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CORPORATE JOBS AT YOUR DOORSTEPS!! 10 STARTUPS/COMPANIES HIRING BCom GRADUATES IN 2023

Have you ever felt like working in the corporate world? Does reading about the famous CEOs and their work excite you? There are so many opportunities open to BCom graduates in 2023. The past few years in India have been revolutionary for the startup culture. These start-ups and established companies offer more than 10 lakh jobs to freshers every year. In this article, we will tell you about some famous companies that hire Bcom graduates so that you don’t miss out on opportunities.

Deloitte

Deloitte is a global name for auditing, insurance and consultancy services. They offer jobs to Bcom graduates who are skilled in accounting and are well versed with insurance policies. You can join their off-campus drives or apply directly to land a job in this esteemed company.

KPMG

KPMG is a renowned company that offers tax, audit and treasury services. They are always on the lookout for Bcom students that can provide accountancy services. You can apply to their firms directly or can get a job via campus placements.

Digital Lending business

In recent times startups like SlicePay, and KreditBee have seen massive growth in active users. They have made getting loans more straightforward and easier. These companies need commerce graduates to handle accounts and tallies. Interested candidates can apply to these companies.

FintechCompanies

Fintech companies like Paytm, BharatPe, GPayand PhonePe have changed the economic ecosystem of our country. They collectively account for 40% of jobs for commerce graduates. These companies hire Bcom graduates assessing their skills and previous work experience.

Accenture

Accenture is an Irish company well known for its IT and consultancy services. They hire people from both IT and accounts backgrounds. If you are someone who enjoys working with clients and handling accounts, go ahead and apply at Accenture.

Ernst and Young Private limited

EY is famous for providing consulting, tax benefits and assurance services. They have job vacancies at regular intervals. In big cities like Mumbai and Bangalore, they hire Bcom freshers. They offer both on and off-campus placements.

Private Banks

Private banks like HDFC, ICICI and AXIS banks hire most Bcom graduates. They offer consultancy services, insurance policies etc. Working under these banks gives students the required work experience and exposure.

PWC(Pricewaterhouse coopers)

Pwc is an international professional service network of firms and consulting agencies. This is one of the big 4 for hiring in the economic services sector. They hire Bcom students with exceptional academics and a keen interest in the field.

Small case

Small case is an Indian startup that works closely with the stock trading companies. It is mainly famous for making stock baskets and is used by more than 10 million people. If you are someone who knows stocks/shares and stock exchange, you will enjoy working at small case.

Razorpay

Razorpay is a payments service platform used by various e-commerce websites to handle their payment gateway. It leads the charts of payment services. Razorpay also hires Bcom students via off-campus drives.

HOW CAN ST PAULS COLLEGE, BENGALURU HELP YOU GET THESE JOBS

As a BCom graduate, you need to keep in mind that landing a job in these companies is not easy. You need to have excellent academic records and extra skills to land a decent job in these companies. St Paul’s Bangalore, we’re the Best UG College in Bangalore offering BCOM Degree with the best excellence of academics and understood the latest job trends and trained our students accordingly. Experienced faculty members guide students. We have various competitions where students can gain exposure. We have a placement cell that will guide the students in their careers. Last year more than 30 companies visited our campus, and many Bcom students were placed in reputed companies. For more information on these companies and startups, you can check their websites and see where your interest lies.

For more information about our courses, you can check St Pauls College website or read other articles to clear any further doubts regarding your career.

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financethiing · 1 year ago

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How to get personal loan from phonepe?

To get a personal loan through PhonePe, you can follow these steps:

1. Open the PhonePe App: If you don't have the app already, download and install it from your app store.

2. Login or Register: Sign in to your PhonePe account or create one if you're a new user.

3. Link Your Bank Account: Ensure that your bank account is linked to your PhonePe account. This is important for loan processing and disbursal.

4. Navigate to the 'Apps' Section: In the PhonePe app, go to the 'Apps' or 'Services' section. Here, you'll find various financial services and loan providers.

5. Choose a Loan Provider: Browse through the loan providers available on PhonePe. Select one that suits your requirements. Many loan providers partner with PhonePe to offer their services.

6. Complete the Loan Application: Click on the loan provider of your choice and follow their application process. You'll need to provide personal and financial information as required by the provider.

7. Approval and Disbursal: After submitting your application, the loan provider will review your information. If your application is granted approval, the loan sum will be transferred to your associated bank account.

Remember to carefully read the terms and conditions, interest rates, and repayment terms before applying for a loan through PhonePe. If you'd like more detailed information and tips on getting a personal loan through PhonePe, I have written a comprehensive blog post on this topic. You can find it here: How to get personal loan from phonepe

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reckonfinserv · 1 year ago

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What is Aspire Credit Card?

Looking for a business loan? Aspire is a one-stop solution for all your financial needs - Aspire is India’s 1st app-based digital Credit Card that can be used at any point-of-sale (shop/ merchant) which accepts UPI payments (PhonePe, GooglePay, Paytm, BharatPe, etc). - Aspire helps its customers by splitting their purchases into 4 EMIs. - EMIs can be paid by the customer as partof the monthly bill on the 8th of each month Top benefits for you: ✅ Easy online application process ✅ Pay back in 4 EMIs ✅ Quick loan disbursal Why you should apply from here: ✔ Simple and convenient ✔ Minimum documentation Apply now to get your Aspire Business Loan - https://wee.bnking.in/MzkxMWVm Who are eligible for Aspire Credit Card? - Locations: Karnataka, Maharashtra, Tamil Nadu, Andhra Pradesh and Telangana - Monthly Income range: 25,000 to 1,00,000 - Self-employed, informally employed and business owners: Freelancers, shop owners, traders, real-estate brokers, small manufacturers, home tuition teachers, contractors, small e-commerce resellers, electricians, plumbers etc. - Employees working in smaller towns or small companies Rules must be followed - Your Aadhaar number should be linked to your mobile number - You must be new to Aspire card Congratulations! Your account is successfully opened, You can start using Aspire Credit Card Thank You Read the full article

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samiksha96 · 1 year ago

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How UPI Payments Are Changing The Face Of Digital Payments In India

With the rapid growth of digitalization in India, the adoption of digital payments has skyrocketed. In this context, Unified Payment Interface (UPI) has emerged as a game-changing payment option. Launched by the National Payments Corporation of India (NPCI) in 2016, UPI has transformed how people pay and receive money in India. UPI is a real-time payment system that enables individuals to directly make payments from their bank accounts using a mobile device.

UPI payments have not only made digital transactions faster and more convenient but also more secure and reliable. According to the National Payments Corporation of India (NPCI), UPI transactions hit a record high of ₹14 lakh crores in March 2023, which is 45% higher in value than in March 2022. Let's discuss how this monumental change came to be:

Convenience and Speed: UPI Payments at Fingertips

One of the biggest advantages of UPI payments is that they are incredibly easy to use. All one needs is a smartphone and the UPI app, and they are good to go. Today, many UPI apps are available in the market, including Google Pay, PhonePe, Paytm, and BHIM. These apps are designed to be user-friendly and intuitive, making it easy for anyone to use them to make payments.

When one makes a UPI payment, their bank details are not shared with the recipient. Instead, a unique virtual payment address (VPA) is used to identify the recipient. Thus one's bank details are protected at all times.

Increasing Adoption of QR Code Payments

QR code payments have become a popular mode of digital transactions, especially after the pandemic. QR codes are two-dimensional barcodes that can be scanned using a smartphone camera. Customers scan the QR code with their mobile device, enter the amount, and confirm the transaction. It is a seamless, contactless process, which ensures a hygienic payment environment. According to a report by IBEF, around 4.96 million Bharat QR codes were in use as of December 2022.

Digital Wallets: Bridging the Gap

UPI payments have also bridged the gap between digital wallets and traditional bank accounts. Digital wallets such as Paytm, PhonePe, Google Pay, and many others now offer UPI payments. This feature has increased the customer base for digital wallets and enhanced their user experience. According to a report by RedSeer Consulting, the digital payments market is expected to reach $500 billion by 2025, and UPI is expected to account for 59% of that market.

Mobile Banking: The Future of Banking

UPI has also opened the doors to mobile banking in India. Banks have integrated UPI payments into their mobile banking applications, enabling customers to make transactions, check their account balances, and even apply for loans and credit cards. This has made mobile banking more accessible and convenient for users across the country. Mobile banking has become the new way of banking, and UPI has made it possible for users to bank on the go.

UPI Payment Gateway: The Backbone of Online Payments

The UPI payment gateway is another feature that has transformed digital payments in India. It enables users to link their bank accounts to their UPI ID and directly make transactions from their phones. This has eliminated the need for multiple digital wallets and made digital payments even more convenient for users. It has allowed all sizes of businesses to accept payments through UPI on their website or mobile application. The UPI payment gateway also offers various features such as refunds, dispute resolution, transaction history, and much more.

About Worldline

Worldline is a leading provider of payment and transaction services in India. The company specialises in making digital transactions fast, secure, and seamless for consumers and businesses alike. With a global presence and years of experience, Worldline is a trusted partner for anyone looking to streamline their payment processes and take their business to the next level.

Click here if you are looking for a reliable payment gateway that can make your banking journey hassle-free.

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supernaveenrawat · 3 years ago

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krdigitalmakersblog · 3 years ago

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PhonePe loan: Apply Now! Complete procedure to get loan from PhonePe:

यदि आप ऋण के लिए बैंक की ओर भाग रहे हैं, तो ऋण प्राप्त करने का सबसे आसान तरीका उनके मोबाइल ऐप में छिपा है। इस पोस्ट में हम आपको बताएंगे कि Phonepe Loan App के जरिए लोन के लिए अप्लाई कैसे करें। लोग अक्सर पूछते हैं कि क्या वे केवल PhonePe ऐप से ऑनलाइन भुगतान, रिचार्ज, मनी ट्रांसफर आदि कर सकते हैं। यदि आप कुक मह्त्वपूर्ण सवालों के जवाब नहीं जानते जैसे कि Phonepe पर ऋण लेने की ब्याज दर क्या है? Apply Online Phonepe Loan or Phonepe Loan लेने में कितना समय लगता है?

यहां बताया गया है कि आपको Phonepe Loan कैसे मिलता है। शुरू करने के लिए, आपको Play Store से ऐप डाउनलोड करना होगा।

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tenglish · 3 years ago

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rpscguide · 3 years ago

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Phonepe Loan kaise milta hai @ 0% How to apply Phonepe Instant फ़ोन पे लोन कैसे मिलता है?

हेलो दोस्तो��, आज इस Article में हम Phonepe loan के बारे में जानेंगे। यहां पर बताया गया है की कैसे हम Phonepe Loan kaise milta hai और How to apply फोन पे लोन कैसे मिलता है? इसके साथ ही आपको यहां पर Phonepe Loan App के बारे सम्पूर्ण जानकारी प्रदान की गई है जैसे :- Phonepe loan Interest Rate, फोन पे से लोन कैसे ले, ब्याज कितना lgta है, documents कोन कोन से चाहिए होते है। जैसे की दोस्तो आपको को पता…

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#phonepe loan kaise milta hai

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loanlid · 3 years ago

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How to Apply for a PhonePe Loan: The Easiest Way to Get Cash Online

PhonePe is a payments app that allows you to use BHIM UPI, your credit card and debit card or wallet to recharge your mobile phone, pay all your utility … What is PhonePe? PhonePe is a payments app that allows you to use BHIM UPI, your credit card and debit card or wallet to recharge your mobile phone, pay all your utility bills, make payments to your friends and family and more. For consumers,…

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myavhishek · 4 years ago

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Swagbucks

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Long Game

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Online Mobile Recharge Tricks And Offers On [Amazon Pay]

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vsplusonline · 5 years ago

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Sachin Bansal bets Flipkart fortune on banking services

New Post has been published on https://apzweb.com/sachin-bansal-bets-flipkart-fortune-on-banking-services/

Sachin Bansal bets Flipkart fortune on banking services

Sachin Bansal, who acquired microfinance firm Chaitanya India last September after his momentous Flipkart exit, travelled to Jagalur, a small town in Karnataka, recently for a branch visit and decided to check out the competition, a government-owned regional bank.

Jagalur, about 250km from Bengaluru, has a population of 25,000. The regional bank’s offices here were packed that day; Kannada-speaking customers, upset about a problem, were shouting at the 25-year-old branch manager, a Maharashtra native who didn’t understand the local language.

“There were about 100 depositors in that branch, and the manager did not speak Kannada,” said Bansal, using the episode to illustrate the state of banking in rural India.

The central government’s mandate is that 33% of branches of public sector banks should be in rural pockets. But Bansal believes the sector needs fresh ideas to serve these regions more efficiently and at lower costs.

“Regulators understand that existing players may not be able to solve problems and they need new players coming in,” Bansal said.

This is not just a broad, detached observation. Bansal, through Chaitanya India, has applied for a banking licence. And this is just the start. The 38-year-old entrepreneur, who built India’s largest online retailer Flipkart and sold his stake to US retail giant Walmart for $1 billion in 2018, is putting nearly all his money into building a digital financial services empire. Can he repeat the success of Flipkart, which had a valuation of $22 billion when sold and is among the top 20 most-valued private companies in India, in a highly regulated sector? Unfinished business While the Flipkart exit made Bansal the first billionaire (in terms of cash in hand) in India’s digital economy, it came on a bitter note. He wanted to continue running the company and make it the first $100-billion valuation digital company; he was also looking to increase his stake, according to reports from 2018. But most investors at Flipkart preferred an exit. Incoming promoter Walmart also wanted to work with Flipkart co-founder Binny Bansal and CEO Kalyan Krishnamurthy, who were running day-to-day operations after Sachin Bansal became the executive chairman in 2016. This had left him “very disappointed” and he felt there was “unfinished business” of creating a mega-billion-dollar, truly Indian company, the Economic Times reported in May 2018, citing sources.

The ambition is clear: to build a modern-day HDFC Bank, India’s largest private sector lender whose market capitalisation hovers close to $100 billion. The approach, however, will be different. Bansal wants smartphones, not branches, to be at the front and centre.

“If you look at building HDFC Bank from scratch with today’s technology and capabilities, it will look very different,” Bansal told STOI at the head office of Navi Technologies, an entity he owns (see graphic), in Koramangala, Bengaluru. Navi is short for navigator through financial services and also means “new” in Hindi.

“Ultimately we want to become a financial services ecosystem providing all kinds of services,” he said.

Navi is buying Essel Mutual Fund for a foray into asset management and DHFL General Insurance for insurance. Both firms were sold off by Mumbai-based business groups in distress sales as liquidity crunch hits the financial services space. The two deals are awaiting regulatory approval. Bankers tracking the space say neither DHFL nor Essel have significant operations and should be seen as “speedy” licence acquisitions.

Given the trouble in the banking sector, Bansal could have also opted for an acquisition, which may have accelerated the foray. “I think there are corporate governance issues in banks that are available. What you pay for the bank may not be the end of it,” he said, when asked if the merger & acquisition option was considered. “The culture of any organisation takes years to develop and it is hard to change. We would prefer the greenfield route if the RBI allows it.”

First on the agenda is to speed up the lending business. Chaitanya India is working on plans to bring down cash payments in favour of digital transactions and reduce paperwork and travel for both credit officers and customers through technology, which will make the business more efficient. Bansal’s cash infusion in the company has already made an impact. Earlier this month, rating agency ICRA revised Chaitanya India’s outlook to positive and lifted its rating from BBB- to BBB.

Bansal intends to devise a new product under the Navi brand that will focus on the middle class. Chaitanya India, on the other hand, will continue to offer microfinance options to the low-income segment. This way, different brands will serve different segments.

“We saw this in ecommerce: even if the exact same collection was available on Flipkart, people still preferred to shop on Myntra for fashion because the brand appealed to them,” Bansal said.

He didn’t disclose the focus area for Navi, but an ICRA filing reveals that he plans to expand loan portfolio to Rs 3,600 crore by March 2023 from Rs 738 crore as of September 2019. While microfinance portfolio is expected to reach Rs 2,600 crore in this four year period, he will, through Chaitanya Rural, lend another Rs 1,000 crore in consumer, personal, two-wheeler and business loan segments. These are expected to be among the fastest-growing segments in India’s retail loan market (see graphic).

The issue with traditional banks is that they have been built on old technology, as the outage of HDFC Bank’s net banking services for 2-3 days in December showed. “It is not a new app like a PhonePe or Paytm, which were created for the smartphone and which were much faster than bank applications. Banks don’t want to spend as they feel returns might not be that high,” said a banker tracking the space.

Tech entrepreneurs have already shown a lot of interest in the overall banking space. Over half a dozen startups, including Jupiter, Open and Niyo, have raised capital from top investors like China’s Tencent, New York-based Tiger Global and venture firms Sequoia Capital and Matrix Partners. They are, however, building neo-banks by partnering with existing lenders. Paytm Payments Bank, a part of the group which owns the most-valued internet company ($16 billion) in India, will be a major competitor, and it hopes to turn into a small finance bank, as STOI had reported in December.

“There is an opportunity to own new-generation customers, something that many neo-banks and fintech companies are trying to do by carving out a niche,” said TCM Sundaram, managing director at Chiratae Ventures. “Bansal, however, can’t grow this business like ecommerce, as one can end up with high non-performing assets. Since he has said he wants to invest all his capital, he seems to be here for the long haul.” Navigating regulators Bansal is aware of the market expectations and is building a business with a 20-year vision. He says that unlike in e-commerce or ride-hailing, bad service in finance can lead to unrepairable and collateral damage, as there is a multi-decade relationship and consumers are morerisk-averse . Regulations require banks to go for a public offering within six years of operation, and Indian public markets are not kind to loss-making companies.

“Financial services is not a winner-takes-all business, and regulators are very strong. We need to grow fast but start achieving balanced growth and profitability early, asthe confidence of regulators will not be high if you are not profitable,” Bansal said.

His chances of securing a licence are strong, according to about half a dozen fintech founders and executives with regulatory experience. But they said the process would take at least a year and he would have to go through grilling. RBI’s fit-and-proper criteria are quite demanding, and Bansal will have to present a clean record, which will be also scrutinised by the ministry of home affairs. Those aware of the central bank’s thinking said it was keenly watching how digital challenger banks in the UK, where over half a dozen players likeN26 and Monzo have been granted licence, are shaping up.

“RBI wants professionals coming forward who have a technological bent and it is not inclined to give licences to business houses,” said a fintech founder, who didn’t want to be named. In 2013, corporate houses like Anil Ambani’s Reliance Capital, L&T, Birlas and Bajaj Group were among the 27 players who applied for licences, which were given to microfinance company Bandhan and infrastructure financier IDFC.

“One of the entry barriers for professionals is coming up with starting capital of Rs 500 crore to Rs 1,000 crore,” said the founder. “But Bansal doesn’t face this issue.”

Bansal is also applying through Chaitanya India, which will give RBI comfort, considering that the last licence issued in personal capacity, to Yes Bank’s Rana Kapoor, has not panned out well. Kapoor’s term ended in early 2019 as RBI didn’t favour giving him a longer rope because of governance and compliance issues. He has sold all his shares in the bank.

“While Bansal has not built a financial services business, he was behind a large consumer business (Flipkart). The sanctity of capital is critical. He seems clean on that count and his investments in Ola and Ather are not classified as promoter bets,” a senior banker said, who has previously advised tech companies on banking licences.

Industry experts say Bansal’s decision to rope in former RBI director and ICICI Bank executive Nachiket Mor as an independent director will inspire confidence among regulators examining Bansal’s application. He has also brought on board Paresh Sukthankar, a former deputy to HDFC Bank CEO Aditya Puri.

Bansal’s bid to enter the banking space comes at a sensitive time: RBI’s plate is full as it deals with a slowing economy, management of high non-performing assets and consolidation of public sector banks. The factors may have an impact, according to the experts.

“Though Bansal’s application won’t be turned down because of these issues, they can increase the timeline,” said AP Hota, former RBI executive and managing director of National Payments Corporation of India. “Just because large players are there, it would be wrong to presume there is no space for new entrants. In a digital world, you never know who will come out with a brilliant product.”

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buyfreecoupons · 6 years ago

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Best Refer and Earn Apps For Earn Money Online (January 2019)

Nowadays it is very important to get rid of anything so that people can know about it. On this basis, new companies promote their products and running many refer and earn program in India. In which you can participate and earn money online. Through all these refer and earn apps you can get a lot of cash and free recharge. Today I will tell you about some of the best apps that provide referral rewards and huge cashback.

How Refer and Earn Program Works?

This process is very simple, in which you have to download any of the below-mentioned apps and take part in their refer and earn programs, after that, through the referral link of that app, invite your friends and earn more money. One more thing you should note that when your referred friends using your link to complete sign-up process then you will be eligible to get some reward.

Best Online Apps Of Refer and Earn

Bhim App- Earn Rs.25 in Bank account for each referral. avail this offer

MotanAd App- Earn Rs.20 Paytm cash. invite link. avail this offer

PayPal India- Earn $5 for each reference. invite link

Google Tez App- Refer & Earn Rs.51. get invite code

Vidmate App- Win Upto Rs.1000 Free Paytm Cash. get referral code

Wynk Music- Refer 4 Friends to Get Rs.50. avail this offer

Chillr App Referral Code- Earn Rs.75 in Bank. visit the link

CreditMantri Refer & Earn- Rs.100 Paytm Cash. invite link

OneAd App- Refer and Earn Money upto 10 levels. invite link

PhonePe Upi App- Earn Rs.150 (First Time Only) visit referral link

Fassos Invite and Earn Offer- Earn Rs.100 Credits. visit the invite page

Google Duo App- Earn Free Tez Scratch Card. referral link here

NesDog App- Make Unlimited Paytm Cash via Refer. click to get full details

Kotak 811- Get Rs.250 BMS Voucher for Each Referral. visit the invite page

OYO Rooms- Earn Rs 200 Paytm cash on Each Invite. get invite code

Zingo Refer and Earn- Get 50% Cashback on Paytm wallet. click here full details

Mcent Online Referral Program- Add Point via Refer and Earn. get invite link

4Fun Invite and Earn Offer- Get Rs.7 Free Paytm Cash. visit the invite page

Fisdom App- Earn Rs.200 Paytm Cash for Free. click here for full details

MagicPin- Earn Rs.150 Per Refer+Rs.100 on Each SignUp. visit the invite page

Bhim App- Refer and Earn Rs.25 in Bank Account

We all know about Bhim app, nowadays this app is giving Rs.25 on each signup and 10 Rs free for every Successful referral.

First Download Bhim app here.

Install and Create a New Account.

Now Send money or use Scan & Pay to make your first UPI transaction.

After that, use your Referral Code to complete the transaction.

Bingo! You and your friend will get Rs.25 in Bhim wallet.

MotanAd App Refer & Earn Rs.20 For Each Referral

This is the latest Android app, many people don't know about MotanAd app. This app also running a referral program and giving Rs.3 on completing the signup process and Rs.20 for each successful referral.

Download MotanAd app here.

On the HomePage, Click on the Menu tab.

Select Invite Friends option and copy your referral link.

Now use this link to invite your friends or family members.

Once your invited member uses your link to download the MotanAd app then you will get a referral reward.

PayPal India App- Earn $5 For Each Refer

We all know PayPal is a payment gateway but now it also available in the android app. Nowadays PayPal app is running a program in India where you can earn money online by participating in refer and earn program.

First Download PayPal Android app.

Install and Open the app.

On the HomePage, click on "Refer & Earn" option.

Now fill all the necessary details and get your unique code.

Now invite your friends using your referral link.

After that, you will get $5 when your friend successfully signs up on PayPal using your referral link.

Google Tez App invite and earn offer- Send Rs.1 & Get Rs.51

This New year 2019 Tez app again giving many rewards to New user. Yes, you can avail Rs 51 in new tez account and Rs 51 again for each successful invite.

Download The Google Pay Tez app here. (Recommended)

Open the app and fill a small tez (pay) registration form.

You need to fill "buyfreecoupon@okicici" in the referral code section.

Now link Tez account with Bank account.

After successfully bank account linking, make you're first ever transaction or send Rs.1 to UPI id "buyfreecoupon@okicici"

Done! Rs 51 will be added to your bank account.

You can use your referral link to invite your friends and earn up to Rs.9000

Vidmate App- Refer and Earn 1000 Rs Free Paytm Cash

Vidmate is the best app to earn money online. This app gives free paytm cash and many rewards for sharing. This app is offering 100% genuine rewards and you may win Laptops, Mobile and Paytm vouchers.

Firstly Download the Vidmate app here

Now Download the app and install it.

After that Go to the app dashboard and click on IMEI tab.

After that, you will see a banner "100% win up to Rs. 50 Lacks"

Click on it and you will see the share option.

Now share it on Facebook or Whats app.

Wyn Music App- Refer 4 Friends to Get Rs.50 in Airtel Wallet

Wynk Music is an app where you can play music online anywhere. You can also use this app to make money, just participate in wynk refer and earn program and get Rs 50 in Airtel wallet.

Download Wynk Music app here

Install and open the app

Complete the registration process by filling up the small sign up form.

Now go to the homepage >> see my account >> and earn

Then copy your reference code and share it.

You will get 10 rupees for every successful referral.

Earn more (up to Rs.50) by inviting more 5 friends.

Chillar App- Refer and Earn 75 Rs in Bank Account

Chillar app is best for unlimited cash. You can avail this big loot through Refer and Earn offer. Invite your friend on chillar app and earn Rs 100 per referral in the bank account.

Download the Chillar app here.

Find your referral code.

Now use this code to invite your friends.

Once your friend's signup using your link and do his first transaction then you will get 75 Rs real cash in your bank account.

CreditMantri Refer and Earn Rs.100 Paytm Cash

CreditMantri is an app or website of credit analysis. You can also use it to applying any type of loan like Home Loan, Personal loan, etc. This app is offering 100 Rs Paytm Cash on referring 3 friends on CreditMantri.com

Download the CreditMantri app here

Make a New Account by entering invite code "DHLF9264GA"

Now enter your mobile number to complete the signup process.

You will get otp for verification, just fill it correctly.

At last, enter your pan card number, email id and click on the Submit button.

Now you are eligible to earn 100 Rs paytm cash, invite at least 3 friends to get this reward.

OneAd App: Refer and Earn Money Upto 10 levels

Onead app is 100% working app, where you can earn up to Rs.2.5 Lakh. You can earn with this app by downloading, by watching ads or increase your earning by referring friends.

Download the Onead app here.

Now click on 'Install' button.

After Successfully installation, you will see a Signup form on your android screen.

Now enter your Name, Password, D.O.B, and Mobile Number etc.

After selecting Gender, Enter Referral Code 89VBQJ72.

Verify the OTP process by entering a mobile number.

All Done! Your Onead wallet account is activated now and also you will get Rs3. as a Signup reward.

PhonePe Upi App- Earn Rs.150 (First Time Only)

PhonePe app as the best app for UPI transaction. You can easily use this app for making and receive payment. Past few years PhonePe is giving huge referral amount. Now again it is giving Rs 150 cash back on a new account.

Download the PhonePe app here

Install and Open it.

Select Invite n Earn tab.

Now you'll get your referral code.

Now share it with your friends or family.

When your friends send money or complete first transaction using phonepe app then he/she will get 50% cash back and you'll get Rs.50 cashback.

Fassos App- Earn 100 Rs Credit For Each Refer

Fassos is one of the apps which provided food service at your doorstep like swiggy and zomato. Now, this app is giving 100 Rs credits for each successful referral. You can earn more by inviting new friends on Fassos app.

Download the Faasos app from here

Install the app and Enter your mobile number.

Now Sign in your account through otp.

After successful sign in entering your full name and email id.

Enter Referral code to earn 225 rs credits.

Google Duo App- Invite and Earn Free Tez Scratch Card

Google Duo app helps you to make voice and video calls to another duo app user. This time we are sharing referral offer where you can win free tez scratch card by inviting friends.

Download the Google Duo app from here.

Open the app after complete installation.

Now Enter your mobile number to receive OTP.

Now Enter otp to verify your android device.

Then make your first call to another duo app user.

Bingo! You have got free tez scratch card.

Now Invite more friends using Invite Friends option and win more tez scratch card.

NewsDog App- Get Free Paytm Cash via Refer and Earn

NewsDog is online news app which can be used for getting the latest news. By using this referral scheme, you can avail free paytm cash and redeem through Scan QR code payment. Just Open this app daily and read daily news for making some extra point. You will get 25 points per news.

Firstly, Download the Newsdog App here.

Now Install and open it.

Now Select Hindi/English language.

Then click on Profile section and select facebook for new Sign up.

All Done! You will receive Rs 50 Paytm cash.

Kotak 811 App- Earn Rs.250 BMS Voucher For Each Referral

Kotak 811 app is Online banking app, now you can open your bank account without going anywhere. This app is giving 250 Rs Free BMS voucher for each referral.

Download the Kotak 811 Mobile Banking app here.

Install and Open a New Saving Account.

Now Enter Necessary details like Pan Card, Aadhaar number, etc.

Now Add Money in your Kotak bank account.

Done! Invite more friends and get Rs 250 BMS Voucher for each referral.

Oyo Room App- Earn Rs.200 Paytm Cash on Successful Invite

You all know that the Oo Room App is about to be used but this app can be used to earn money in addition to hotel room bookings. Yes, this app is paying 200 rupees for free by referring to the Oyo app to your friends.

1. Download the Oyo app here and Signup using Oyo referral code. 2. Now you will get free OYO money in your account.

3. Now go to >> app home screen >>Type >>Location where you want to book your room.

After that, you’ll see all list of OYO room in that location.

Now select a room where you want to stay.

4. Now select the number of guests. 5. After all that you can use your OYO money to book room. 6. All done! Now you have booked the free Hotel room.

Zingo Refer and Earn 50% Cashback on Paytm Wallet

Hello friends, if you tried all refer and earn apps then you should try Zingoy app because this app is offering 25 cashback on purchase of Amazon Gift Card and On every sign-up, new user will get 50 rupees on zingoy wallet.

Download the Zingoy App from here.

Open the app and Select 'Refer Now' Option.

Now copy referral code of Zingoy.

After using this code to invite your friends.

Enjoy, Get Free 50 Rs Cashback on each referral.

Mcent App: Add Point via Refer and Earn

Mcent is one of best online recharge app and this year mcent app is running many promotional offers. Follow below steps to grab one of them

Download the Mcent App here.

Now Enter mcent referral code and a prepaid mobile number.

Click on Submit button and 4 digit OTP number will be sent to your mobile number.

Now verify it correctly and login to your account.

Enjoy your referral benefits.

4Fun Invite and Earn Rs.7 Free Paytm Cash

4Fun has latest refer and earn offer where you can participate and earn Rs.50 on first sign-up and also Rs.7 paytm cash for each invite.

Download the 4Fun app here.

Now Open the app and Click on "Login with Phone"

Enter 10 digit mobile number and verify your number with OTP.

Now go to Under Profile Option and Click on "Join Reward Plan" option.

Then you need to enter your paytm registered mobile number to cash in paytm account.

Instantly referral amount will be credit in your paytm wallet.

Fisdom App- Earn Rs.200 Paytm Cash For Free

The Fisdem App is known as the Mutual Fund Investment App and it is working in the whole of India. You can take advantage of several referral schemes by investing money in i. This time, this app is giving Patiala cash of Rs 200 for free, which you can grab this cash by following the steps given below.

Download the Fisdom app here.

On HomePage, Click on "how can I invest".

Now Go to Menu >> Registration.

Now fill a Sign-up form and get Rs.200 free paytm cash.

After Go to Promotional > Enter Unique Refer code.

Additional 100 Rs Paytm free cash is credited to your fisdom wallet.

MaginPin- Earn Rs.150 Per Refer+Rs.100 on Each SignUp

MagicPin app is giving Rs.100 on each signUp and 25 Rs instant cashback when your friend join magicpin app using your referral link. Best thing in this app that old and new users also can earn money by inviting people.

Download the MaicPin app here.

Install and Open the app.

Complete the otp process by entering a mobile number.

Now Go to app homepage and select "Refer & Earn" tab.

Then Enter a Referral code to get Rs.100 for free.

All Done! Now invite friends using own to refer link to get Rs.150 per successful refer.

How to Invite Friends

First Open the App, Select the 'Refer & Earn' option.

Now Copy your referral code/link and share it with your family or friends.

Once your friend's complete sign-up process using your referral link/code then you will get your referral reward.

First time per user can avail sign-up bonus.

I have posted all refer and earn apps which can be use for make money online, if you know about other apps then comment below.

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loansinghfinanceblogme-blog · 6 years ago

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The digital payments scene in India is fiercely contested by a number of participants. Recently, one of India’s popular digital payments company – Paytm, wrote to the National Payments Corporate of India (NPCI), who govern digital payments regulations in our country, about Google Pay’s privacy policy.

Paytm wrote that “We would like to highlight a very important fact that Google Pay, which is an unregulated payments platform, has the scope of using their customers’ data for their monetary gains with complete disregard of the user’s need for privacy. The critical payments data collected by them is being processed and stored outside of India, which can have severe security implications in case of a data breach as their policy states that this data is also being disclosed with advertisers and third-parties”. Courtesy – Business Today, dated Sept 13.

Click here, to understand all about a personal loan in India

Paytm accused Google Pay of sharing their customer data with different affiliate companies for monetary gain. Various third party users also use the customer data to send out advertisements and hence misuse the information of trusted customers for monetary advantages. This is not the first time that Paytm has cried foul towards overseas companies violating customer data and privacy. Prior to this, Paytm had stated that, WhatsApp was killing United Payments Interface (UPI) by creating a walled garden.

The central government is still in the process of preparing a personal data protection bill which will mandate the storage of customer data related to digital payment companies in India. The draft regulations, issued in 2018 recommended that customer’s personal data originated within India cannot be stored outside of India. Google’s response to this was that it made use of a common Google account for managing all Google products. This allows the customer to manage or check on risk, spam, and fraud. Google clarified that it did not make use of any individual UPI transactions for monetization purposes (as per Google statement).

Since then, Google got its privacy policy tweaked. They have dropped the word ‘disclosure’ from its privacy clause.

Digital India 2.0

Through enhanced connectivity, widespread social media usage and internet outreach, we have gotten ourselves to think more about data protection in India. India, has also become a lucrative market for overseas companies to cash in on customer data. The following couple of years will get us more clarity on the regulations and its implementation.

Digital payments companies such as PhonePe, MobiKwik and Paytm have already backed the RBI’s decision to supervise the access of data stored with system providers. Till August 2018, close to 92 million customers transacted on Paytm through both their offline and online interface. G Pay, meanwhile has already recorded close to 22 million transactions up until now. India’s e-payments market pie is estimated to grow to close to 1 trillion dollars by 2023 (as per Credit Suisse). Close to 100 players in India (including 60 non-banking) have crowded the e-payments ecosystem.

But then, why does Loan Singh have to care about all this? Our customers are salaried millennials. Millennials have found digital wallets to make digital payments to be extremely convenient. A digital wallet is likened to a traditional leather wallet. It is a safer and convenient way to safeguard your money and cards. It stores your personal and financial information in a digitized form. It is an electronic platform that allows individuals to make electronic transactions. Digital wallets allow us to perform offline, as well as online, transactions to merchants who are registered with a digital wallet service provider.

We have seen these same salaried millennials struggle in getting fresh credit through traditional banks. Most of them are rejected a first time loan due to no prior credit history. This happens because banks do not find such individuals trustworthy or simply creditworthy. Loan Singh is ready to take that risk. Loan Singh is a digital lending platform that lets first-time salaried individuals apply for fresh credit even with no credit score. But to mitigate the risks of default, Loan Singh needs the latest 6 months’ bank statement, PAN card and Aadhaar card of the applicant.

Click here to know why Loan Singh is the best online loan website

Digital Wallet Payments

The working of a digital wallet is different from that of other card payments. A digital wallet makes use of a Near Field Communication (NFC) controller and antennae to enable mobile devices to send out account information to devices at payment counters. A secure smart card chip on the phone stores and allows access to the account information. All this can be executed via the installed digital wallet application on your smartphone. The communication is not restricted to NFC, but can also be done via web links, QR Code, SMS or even social media.

During the payment process, the shopper is authenticated. Then the shopper has access to the full features present on the digital wallet account. Merchants have to strongly consider their customer base while setting-up a digital wallet service because not everyone will be intending to make payments via digital wallets. In the world of digital wallets, there is not much difference between customers or merchants. It is just an accounting ledger convention wherein the payment from a customer to a merchant is just a database update (as all the money is flowing in the wallet itself). The working of a digital wallet is only effective if the API integration, for merchants, is done properly.

It requires effective security and permissions to access your information

The wallet can be used to purchase products online or offline

A password, QR code, an image or some authentication code is used for security

The digital wallet is linked to your bank account

Digital wallets allow currency conversions

Shoppers can also create an unverified digital wallet at the time of payment

It can also be used for authentication. For example: to verify the age while purchasing alcohol

Click here, to understand everything about credit score in India

Digital Wallet Benefits

The biggest advantage for customers is convenience – no need to carry cards or cash

Makes purchases easy with a ‘tap-to-pay’ approach

Enables automatic redemption of offers

Allows for enhanced security during transactions due to encryption

Faster processing of payments

Digital Wallets in India

You can get in-depth information regarding digital wallets online, but we have put up a brief listing of digital wallets being used in India. They are not listed in any particular order.

Airtel Money

Using this app allows users to easily recharge their Airtel prepaid account or pay their postpaid bills. This wallet can also be used to shop online if your wallet has cash loaded in it. Airtel Money is extremely safe and each transaction or payment can only be authorized via a secret 4-digit mPin.

Citrus Pay

One of the top digital wallets in India, the Citrus Pay wallet offers its customers’ payments options towards businesses. It is reported to have tied up with more than 12000 merchants with more than 12 million transactions a month.

Freecharge

Ask any young millennial and Freecharge is surely one of the apps installed on their smartphone. Freecharge provides an equivalent amount of coupons for every recharge made. This surely goes a long way in saving the amount spent on bills online. A reported 22 million plus users use Freecharge as a mobile payment solution. Freecharge also allows the user to donate money to a registered NGO. Its common e-wallet features include adding money using a credit card, debit card or net banking and instant payments. They also provide discounts to users on transactions.

ICICI Pockets

The ICICI Pockets e-wallet allows its users to connect to their respective bank account for mobile transactions. You can send/receive money, book tickets, recharge online, pay for online shopping and share gifts with friends. It is a fast, convenient and secure e-wallet for mobile transactions. Funds can also be transferred to email ID contacts or WhatsApp contacts.

Oxigen

Oxigen is a Fintech company founded in 2004 and is one of the major providers of digital payment in India. The Oxigen wallet is used for making purchases online and paying bills. Oxigen is considered to be a safe and secure digital wallet which asks a user to input a 6 digit OTP that is sent to the registered mobile number. It covers almost all major banks in India. It provides both online and offline modes. The offline mode allows payment to be made at physical stores such as CCD, Croma, BigBazaar, etc. Oxigen has also tied up with Goibibo, Indiatimes, KFC, eBay, Jabong, Justdial, etc.

Citi MasterPass

Another free digital wallet on the list, Citi MasterPass helps you move through an online shopping checkout process quicker.

Mobikwik

Mobikwik e-wallet payments system helps users to store money. They are used to recharge your phone, getting discounts on deals, pay bills, load money using a credit card, debit card, and net-banking; door-to-door cash collection and making third-party purchases.

Mobikwik has tied-up with close to 225000 merchants and has around 45 million customers.

HDFC PayZapp

HDFC PayZapp allows digital payments via one click. You can also compare hotel bookings and flight ticket pricings. You can even buy music and pay your bills via the PayZapp. All you need to do is connect your debit/credit card to the app.

Paytm

Launched in 2010, Paytm is currently the largest mobile wallet app in India. It allows payment of mobile bills, buying movie tickets, shopping online; transferring money directly to your bank or someone else’s bank account and paying for your Uber journey (with cash back).

Paytm is adopted by SME vendors, rickshaw drivers, and shopkeepers. Such is its reach. Paytm has also tied-up with brands such as LG, Nike, Onida, Sony, Lenovo, Panasonic, and more.

Vodafone MPesa

MPesa allows a secure, fast and convenient medium for making mobile transactions. It is a subsidiary of Vodafone M-Pesa Limited jointly operated with ICICI Bank. The wallet allows redemption or cash withdrawal for its users.

JioMoney

Sweeping the nation since 2016, Jio’s digital payment app – JioMoney, offers easy, fast and secure transactions. The app offers great discount and offers to its users. With more than 162 million reported subscribers, Jio provides the largest internet service in India. JioMoney can be used to make recharges online, book tickets online, transfer and receive money; and also pay for your cabs. It also offers massive discounts and deals on making the first transaction.

Chillr

Chillr has tied up with close to 55 banks across India. It easily allows management of multiple accounts from one digital wallet. You can make payments for recharging your mobile, book movie tickets online, receive and send money and also avail discounts on transactions.

State Bank Buddy

A product of State Bank of India, ‘Buddy’ is an online wallet that is available in 13 languages. Non-SBI account holders can also send money via Facebook to other bank accounts. It can also be used to book movie tickets and hotel reservations. The cash to wallet can be loaded using a credit card, debit card or net banking. You can also set reminders for due payments.

PayUMoney

A product of PayU India, PayUMoney is a payment gateway that allows merchants to collect payments from customers. The mode of payment can be credit cards, debit cards or via net banking. They also offer email invoicing and SMS notifications. It is a safe and secure platform and used across India by e-commerce websites.

PayUMoney is also introduced as a mobile wallet service. The wallet allows its users to perform online transactions. It also offers reward points for every transaction. It also provides a PayUMoney Buyer Protection which ensures the product reaches your designated address.

Juspay

Juspay Safe is a payment browser that allows users to make online payments fast with just 2 clicks.

LIME

Launched by Axis Bank in 2015, LIME was one of the first smartphone apps in India that integrated shopping, payments, integrated wallet, and banking. It also allows users to invest in a deposit and share your wallet.

Ola Money

Launched in 2015, Ola Money is a digital wallet offered by Ola. They are not just used towards making payments for Ola cab rides; you can also use them for purchasing groceries and booking flight tickets.

PayPOS

Launched in 2012, PayPOS is an app that allows small business owners to receive payments easily via debit cards or credit cards. They are also capable of processing electronic transactions.

Click here to read about Credit Bureaus and Free Credit Score Checks…

About Loan Singh

Loan Singh is a digital lending platform that prides in providing online personal loan or unsecured personal loan to salaried individuals. You can apply for quick funds as an easy emergency loan which is not a bank loan. We provide a loan with the best personal loan interest rates. The instant funds, or instant loans, are loans between Rs.50,000 and Rs.5,00,000 taken for purposes such as:

Home improvement loan/Home renovation loan

Marriage loan/ Wedding loan

Medical loan

Used vehicle loan

Consumer durable loan

Vacation loan

Debt consolidation loan

Credit card refinancing loan

Job relocation loan

Travel loan

Festival loan

Gold jewelry loan

Shopping loan

Lifestyle loan

You can calculate your easy EMIs using our personal loan EMI calculator. We accept bank statement, PAN, and Aadhaar for quick loan approval. A bad credit score or credit report errors can lead to personal loan rejection. The ‘Loan Singh Finance Blog’ is one of the best finance blogs in India. Loan Singh is a product of Seynse Technologies Pvt Ltd and is a partner to the Airtel Online Store.

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Loan Singh is not an anonymous digital platform. We are present on almost all leading social media platforms. All you need to do is look for us. You can find us on Loan Singh Facebook, Loan Singh Twitter,Loan Singh YouTube, Loan Singh Pinterest, Loan Singh Instagram, Loan Singh LinkedIn, Loan Singh Blogarama, Loan Singh Google Review, Loan Singh Medium, Loan Singh Reddit, Loan Singh Tumblr, Loan Singh Scoop It, Loan Singh Storify, Loan Singh Digg and Loan Singh Blogger.

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