#best bank to take agricultural loan in india

[fpotci01]

FPO Benefits: Why Indian Farmers Should Join Farmer Producer Organizations

India’s agriculture sector is the backbone of the country, employing millions and providing food security. Yet, many small and marginal farmers struggle to get fair prices, access essential services, and thrive in a competitive market. One solution that has emerged to address these challenges is the formation of Farmer Producer Organizations (FPOs). These FPOs offer numerous benefits that can help uplift farmers and improve their livelihoods.

What Are FPOs?

Farmer Producer Organizations (FPOs) are collectives where farmers come together to pool resources, share knowledge, and collectively sell their produce. These organizations are legally recognized entities, either as Farmer Producer Companies (FPCs) or cooperatives, allowing farmers to work together toward a common goal of improving their incomes and accessing essential agricultural services. The FPO model empowers farmers to strengthen their bargaining power and compete more effectively in the marketplace.

The Struggles of Small Farmers in India

In India, agriculture is dominated by small and marginal farmers, who often own less than two hectares of land. These farmers face numerous challenges, including:

Limited access to markets: Many farmers are forced to sell their produce at low prices due to limited bargaining power and lack of direct market access.

Inadequate access to credit: Small farmers often struggle to secure loans from banks, limiting their ability to invest in quality seeds, fertilizers, and equipment.

High input costs: Rising costs of inputs such as seeds, fertilizers, and machinery strain farmers’ already limited resources.

Lack of technology and infrastructure: Many small farmers cannot afford modern farming technologies, resulting in lower productivity.

Middlemen exploitation: In traditional agricultural systems, middlemen often take a large share of profits, leaving farmers with minimal returns.

These challenges underscore the need for collective efforts like FPOs to improve the economic situation of farmers in India.

Benefits of Joining an FPO

Joining an FPO offers a wide range of benefits for farmers, helping them overcome many of the challenges they face in India’s agriculture system.

1. Increased Bargaining Power

One of the most significant benefits of an FPO is the collective strength it provides farmers. When small farmers come together under an FPO, they have greater bargaining power when negotiating prices for their produce. This allows them to bypass middlemen and sell directly to buyers at fair prices. The collective approach also enables farmers to negotiate better deals on inputs like seeds, fertilizers, and pesticides, lowering their costs.

2. Access to Markets

FPOs give farmers access to broader markets that may have been previously out of reach. With an FPO Platform in place, farmers can sell their produce to large buyers, government agencies, or even export to international markets. FPOs help facilitate these connections, ensuring farmers get the best value for their crops. With a collective presence, FPOs can also negotiate better logistics and transportation, reducing the burden on individual farmers.

3. Financial Support and Credit Access

Through FPOs, farmers have better access to financial services, including loans, insurance, and subsidies. The NABARD FPO portal, for example, provides resources and support to Farmer Producer Organisations across India, helping them access credit for agricultural inputs and investments. By pooling resources, FPO members can secure better loan terms, allowing them to invest in high-quality seeds, equipment, and irrigation systems that boost productivity.

4. Technology and Training

FPOs act as a hub for knowledge sharing and training, introducing farmers to modern agricultural practices and technologies that can significantly improve yields. Farmers can learn about sustainable farming, organic practices, and climate-resilient crops through these organizations. Many FPOs also collaborate with institutions like the Food and Agriculture Organization (FAO) to bring advanced farming techniques and training programs to their members.

By adopting modern technology and methods, farmers can increase crop yields, reduce waste, and become more competitive in the agricultural market. FPOs also make it easier to invest in shared machinery and infrastructure, such as cold storage and processing facilities, which would be difficult for individual farmers to afford.

5. Better Risk Management

Farming is inherently risky, with threats from unpredictable weather, pests, and fluctuating market prices. By joining an FPO, farmers can share these risks. Many FPOs offer insurance schemes, crop diversification advice, and access to disaster relief programs that help protect farmers from the worst impacts of crop failures or market crashes. This collective security offers peace of mind and financial stability to farmers who might otherwise face overwhelming losses.

6. Improved Product Quality and Standards

Through collective action, FPOs can invest in better quality control systems, ensuring that the produce meets market standards. This is particularly important for accessing premium markets where higher quality produce fetches better prices. By pooling resources, FPOs can set up testing facilities, certification systems, and packaging units that improve the quality of the produce, making it more attractive to buyers.

7. Empowerment and Community Building

Perhaps one of the most powerful benefits of FPOs is the sense of empowerment and community it fosters among farmers. Working together, farmers can solve problems collectively, share successes, and support each other in times of need. This collective effort helps strengthen rural communities, giving farmers a stronger voice in advocating for their rights and needs in the agricultural sector.

The Role of the FPO Platform for India

The FPO Platform for India is an initiative aimed at strengthening the role of FPOs in India’s agricultural sector. It provides a comprehensive database of FPOs, resources for registration, and interactive tools to help farmers connect with organizations that can support them. This interactive data platform is designed to streamline the process of setting up and managing FPOs, making it easier for farmers to access the benefits of collective farming.

The FPO Hub offers a centralized place for FPOs to access information, training programs, and government schemes that can help them grow and thrive. By utilizing this platform, FPOs can better coordinate their efforts, access new markets, and improve the livelihoods of their members.

How FPOs Are Transforming Agriculture in India

The emergence of FPOs is transforming the agricultural landscape in India. By empowering farmers through collective action, FPOs are addressing many of the systemic challenges in Indian agriculture. From improving market access to promoting sustainable farming practices, FPOs are helping farmers increase their incomes, reduce their dependence on middlemen, and build more resilient agricultural businesses.

The Indian government, along with organizations like NABARD and the Food and Agriculture Organization, has recognized the importance of FPOs in driving agricultural development. Initiatives like the FPO agriculture registration process and the FPO Platform for India make it easier for farmers to join or establish FPOs, ensuring that more farmers can benefit from this innovative model.

Conclusion

The benefits of joining an FPO are clear. For small and marginal farmers, these organizations offer a pathway to financial security, access to markets, and the adoption of modern farming techniques. As the agricultural landscape in India continues to evolve, Farmer Producer Organizations will play a crucial role in ensuring that farmers can thrive in an increasingly competitive market.

By joining an FPO, Indian farmers can take control of their futures, work together to achieve common goals, and build a more sustainable, prosperous agricultural sector. The collective strength of FPOs is empowering farmers, improving livelihoods, and shaping the future of India agriculture. The time is now for farmers across India to recognize the immense potential of FPOs and the numerous benefits they offer. For more information, visit: https://fpo.tci.cornell.edu/

[poojalate]

A Complete Guide to the Different Types of Home Loans Available in India

Buying a home is one of the biggest financial decisions you'll make, and choosing the right type of home loan is essential to make the process easier. In India, there are various home loan options designed to suit different needs and financial situations. Understanding the types of home loans available can help you select the best one for your specific requirements. This guide breaks down the most common types of home loans in India and highlights which one might be right for you.

1. Fixed-Rate Home Loan

A fixed-rate home loan comes with a constant interest rate throughout the loan tenure. This means your Equated Monthly Installments (EMIs) remain unchanged, regardless of market fluctuations. Fixed-rate loans are typically available for tenures ranging from 5 to 30 years.

Best For:

Individuals who prefer stability in their finances and want to avoid surprises in EMI payments.

Borrowers who believe that interest rates may rise in the future and wish to lock in a lower rate now.

Pros:

Predictable EMIs make budgeting easier.

Protection from rising interest rates.

Cons:

You may miss out on benefits if interest rates decrease in the future.

Fixed-rate loans generally come with a slightly higher interest rate compared to floating-rate loans.

2. Floating-Rate Home Loan

A floating-rate home loan has an interest rate that varies based on the market. The interest rate is tied to the lender's base rate, which is influenced by the Reserve Bank of India's (RBI) monetary policies.

Best For:

Borrowers who are comfortable with market fluctuations and anticipate a decrease in interest rates in the future.

People looking to take advantage of potentially lower rates in a declining interest rate environment.

Pros:

You benefit from lower interest rates when the market rates fall.

Often starts with a lower interest rate compared to fixed-rate loans.

Cons:

EMIs can fluctuate, making financial planning more challenging.

Increased risk if market rates rise.

3. Home Construction Loan

A home construction loan is designed for individuals who want to build a home on a plot of land they own. This loan covers the costs of building a house, but it differs from a traditional home loan in how the funds are disbursed. Funds are typically released in stages based on the progress of the construction.

Best For:

Individuals who plan to construct a house on a piece of land they already own.

Those looking for flexibility in the release of funds based on the construction timeline.

Pros:

Funds are released in stages, making it easier to manage expenses during the construction phase.

Customizable loan amounts based on construction costs.

Cons:

More documentation is required, such as construction plans and cost estimates.

Interest rates can be higher compared to standard home loans.

4. Plot Loan (Land Purchase Loan)

A plot loan or land purchase loan is specifically meant for purchasing a plot of land, either for future construction or investment purposes. Unlike home loans, plot loans are only available for non-agricultural land.

Best For:

Individuals looking to buy land to build a house in the future.

Investors planning to buy land for appreciation and future sale.

Pros:

Enables you to buy land in a desired location for future construction or investment.

Flexible repayment options.

Cons:

Higher interest rates compared to regular home loans.

Some lenders impose restrictions, such as mandatory construction within a certain time frame.

5. Home Loan Balance Transfer

A home loan balance transfer allows you to transfer your existing home loan from one lender to another to take advantage of lower interest rates or better terms. This option is popular among borrowers looking to reduce their EMI burden.

Best For:

Borrowers who want to reduce their interest rates and overall loan costs.

People who are dissatisfied with their current lender's terms and services.

Pros:

You can save on interest payments if you switch to a lender offering a lower rate.

Potential for better customer service and loan terms.

Cons:

You may incur transfer fees or processing charges.

The process involves paperwork and can be time-consuming.

6. Joint Home Loan

A joint home loan is taken by two or more individuals, such as spouses or family members. This loan type allows you to increase your loan eligibility, as the income of all co-borrowers is considered.

Best For:

Couples or family members looking to increase their loan eligibility.

People who want to share the responsibility of repayment with another co-borrower.

Pros:

Increased loan eligibility.

Tax benefits can be shared between co-borrowers.

Cons:

All co-borrowers are equally liable for the repayment.

Joint ownership of the property is typically required.

7. Home Renovation Loan

A home renovation loan is aimed at individuals looking to renovate or upgrade their existing home. This loan covers expenses related to home improvement, such as remodeling, painting, or installing new fixtures.

Best For:

Homeowners who want to upgrade or renovate their home without dipping into savings.

Those looking to enhance the value of their property.

Pros:

Provides funds specifically for home improvements.

Tax benefits can be claimed under Section 24 of the Income Tax Act.

Cons:

Interest rates may be slightly higher than a standard home loan.

Typically, a shorter tenure is available.

Conclusion

Choosing the right home loan depends on your financial situation, long-term plans, and personal preferences. Fixed-rate loans provide stability, while floating-rate loans offer the potential for lower interest rates. Home construction and plot loans cater to those building or purchasing land, while renovation loans help improve your existing home. Joint loans increase eligibility, and balance transfers can save money over time. By understanding your options, you can make an informed decision that suits your needs and ensures a smooth home-buying or construction process.

[onemuthoot]

Eligibility Criteria for a Gold Loan

A gold loan is the easiest way to monetize your physical gold during a short-term financial crisis. You can approach banks or NBFCs specializing in gold loans to encash your gold. ONE Muthoot , one of the leading NBFCs in India, has 135 years of industry experience serving gold loan customers.

At ONE Muthoot, a gold loan application is a hassle-free process. Your socio-economic status doesn't matter. Any Indian citizen above 18 with a sufficient quantity of gold can avail a gold loan. Unlike auto or home loans, the end use of the fund will not be verified. You can use it for medical, educational, marriage, business, holidays, home renovation or agricultural purposes.

ONE Muthoot offers doorstep gold loans in 30* minutes for those who like to enjoy unparalleled convenience from the comfort of their home.ONE Muthoot Gold Loan Eligibility CriteriaAgeIndian citizens aged 18-75 yearsLoan AmountRs. 1,500 onwardsPurity of Gold18 Karat and aboveCollateralGold jewelleryDocuments RequiredDocuments to prove Identity and Address. Aadhar card/Passport/ Driving license/Voter’s ID/ Electricity BillLoan To Value (LTV)Up to 75%

Gold loan eligibility criteria may vary across financial institutions. If you are unsure about the ratio of gold to a cash equivalent, you can use an online calculator. A gold loan calculator is a tool to estimate the quantity of gold required for a specific amount.

How to use ONE Muthoot gold loan eligibility calculator?

Step 1: Visit www.onemuthoot.com

Step 2: Scroll down to the Gold Loan Amount Calculator.

Step 3: Enter the loan amount or gold to be pledged and "get the value." The calculator will display the loan amount, weight of gold required and Karat value. You will find a variety of schemes based on the loan amount on the right-hand side. The information includes the monthly interest rate, gold loan eligibility per gram, loan value range, tenure, annual interest, and a schedule of the interest rate for different terms.

Step 4: Choose a scheme suitable to your budget and click "avail this scheme." You will be directed to schedule a call to set up an appointment.

Financial institutions will not accept gold bars as collateral for gold loans. Any precious stones attached to the ornaments will not be considered. At ONE Muthoot, you can enjoy maximum Loan-to-Value for your gold in the market.

You can use the ONE Muthoot gold loan eligibility calculator to evaluate your gold against the loan amount required. Book an appointment for a doorstep gold loan. A loan manager will visit you and evaluate your gold ornaments. The loan amount will be transferred to your account quickly after approval. You can access your gold anytime, at your doorstep or from your nearest branch.

How can ONE Muthoot doorstep gold loan be beneficial to you?

Any Indian citizen above 18 can apply for ONE Muthoot gold loan. Click here to learn more about the simple gold loan from the home application process. Pledged gold ornaments would be under the safe vault of the Muthoot FinCorp branch nearby, with 24/7 surveillance and insurance.

Take advantage of ONE Muthoot gold loans and get the best-in-industry interest rates, 0% processing fee and no hidden charges. The ornaments will be returned in the same pristine condition after full repayment of the loan.

Access the online gold loan eligibility calculator and choose a customized repayment schedule suitable to your budget. Our flexible repayment options will help you to settle the loan at your convenience.

Head to our website www.onemuthoot.com to connect with us. *T&C apply.

[sunitadevelopers]

Why buy a property in Labhandi, Raipur

Labhandi could be a renowned location in Raipur and legendary for its developing assets market that is growing day by day because of an enormous range of migrants. individuals from the near cities additionally as distant cities square measure moving to Labhandi in recent years. The placement could be a promising spot with supreme facilities and then the demand for residential land or residential plots is high there. Going into the rising demands for the residential plots and flats, a number of the leading assets firms and property dealers create the convenience of residential land/plot /Apartments purchasable in Labhandi. However, finance in an exceedingly residential land/plot to create a home is a vital call for investors. Such an Associate in Nursing investment will prove very pricy, and therefore needs some necessary groundwork before taking the leap.

Things to be done before creating the investments in Labhandi as follows

The seller's right to its land ought to be checked before finance within the residential land/plot purchasable in Labhandi. One ought to ensure merchandiser|the vendor}'s right to it land by asking the seller for the first title, and obtaining it verified by a reliable attorney.

All relevant land documents ought to be verified before creating a deal. There square measure many land-related documents that one ought to have to be compelled to collect and demonstrate before deciding to speculate within the residential land/plot in Labhandi. One ought to request a certificate, clearing the land from all legal dues and disputes. In fact, the vendor ought to be asked for the parent document, as well. What is more, the capitalist ought to collect alternative necessary work, just like the land revenue receipts, sale deed, the taxation document, and an unharness certificate from the bank. The simplest issue the capitalist ought to do is raise the legal counsel to list out all the documents that he/she should acquire before finance.

The land zone ought to be checked as per the program before creating an Associate in property investment in Labhandi. One ought to ensure that the residential land/plot purchasable in Labhandi that he/she has selected doesn't be the agricultural zone. The capitalist additionally makes positive that the plot doesn't fall in an exceedingly reserved surface area as a result of, in this case, the accountable authorities can raise him/her to evacuate the land later.

The capitalist ought to inquire concerning the land approvals properly. each minute detail concerning the approvals of the land ought to be checked. However, one mustn't entirely place confidence in bank approvals for the land/plot. There ought to be enough approvals by the relevant town development corporation.

One ought to verify concerning the connecting roads to the residential land/plot purchasable in Labhandi. the client ought to check up on the overall conveniences of the land just like the connecting roads, near searching malls, Hotels, Airport, spa, gyms, schools, etc. to boot, one ought to ensure that the connecting roads to the residential flats in labhandi square measure coming back formally underneath the native body or not, in order that more it will manage the plot's maintenance.

An elaborate site visit should be carried out visiting the plot web site is the best thing to verify concerning the overall condition of the residential land/ plot purchasable in Labhandi. One ought to have to be compelled to check if the soil is robust enough to support construction within the future.

Once obtaining happiness with an examination of the land, one ought to apply for a loan if needed. Some property dealers in Labhandi additionally create accessible this facility to the patrons. excluding this, they need legal support additionally to handle the work for the investors.

Hence, it's extremely prompt to envision all the on top of requiring options and fix the simplest upset of a longtime assets company Sunita Developers to buy a residential land/plot/apartment purchasable in Labhandi.

Apartments at Sunita Park N.H. 6, Labhandi, Raipur, Chhattisgarh 492001, Asian country the foremost fascinating location from that there's simple property to all or any major utilities like airports, hospitals, faculties, etc. the important estate sector within the Sunita Park N.H. 6, Labhandi, Raipur, Chhattisgarh 492012, Asian country grew by leaps and bounds at the top of the twenty-first century, with tremendous growth throughout investment within the same amount. The road is well connected to alternative components of the town that passes through the center of this suburban area. Major searching malls, film theaters, schools, hospitals, and then on. Luxury 2BHK, 2.5BHK, 3BHK, and 5BHK flat premium flats in Sunita park, N.H. 6, Labhandi, Raipur, Chhattisgarh 492012, Asian country created to showcase a variety of senses of magnificence, excellence, and luxury. The residents of those residential flats get an opulent mode that most people want.. a sexy side of each town is that it's planned in step with Vastu Shastra. {the town|the town|town} was a chance for its founder to arrange the whole city supported subject area principles. Every town is meant by one in all the pioneers of contemporary design. because of the rapid climb within the economy and industrial activity, the load of people from different parts of India has increased.

[financemaster1]

Eligibility Criteria for a Gold Loan

A gold loan is the easiest way to monetize your physical gold during a short-term financial crisis. You can approach banks or NBFCs specializing in gold loans to encash your gold. ONE Muthoot, one of the leading NBFCs in India, has 135 years of industry experience serving gold loan customers.

At ONE Muthoot, a gold loan application is a hassle-free process. Your socio-economic status doesn't matter. Any Indian citizen above 18 with a sufficient quantity of gold can avail a gold loan. Unlike auto or home loans, the end use of the fund will not be verified. You can use it for medical, educational, marriage, business, holidays, home renovation or agricultural purposes.

ONE Muthoot offers doorstep gold loans in 30* minutes for those who like to enjoy unparalleled convenience from the comfort of their home. 

ONE Muthoot Gold Loan Eligibility  Criteria

Age 

Indian citizens aged 18-75 years

Loan Amount

Rs. 1,500 onwards

Purity of Gold 

18 Karat and above

Collateral

Gold jewellery

Documents Required

Documents to prove Identity and Address. Aadhar card/Passport/ Driving license/Voter’s ID/ Electricity Bill

Loan To Value (LTV)

Up to 75%

Gold loan eligibility criteria may vary across financial institutions. If you are unsure about the ratio of gold to a cash equivalent, you can use an online calculator. A gold loan calculator is a tool to estimate the quantity of gold required for a specific amount.

How to use ONE Muthoot gold loan eligibility calculator?

Step1: Visit www.onemuthoot.com

Step2: Scroll down to the Gold Loan Amount Calculator.

Step3: Enter the loan amount or gold to be pledged and "get the value." The calculator will display the loan amount, weight of gold required and Karat value. You will find a variety of schemes based on the loan amount on the right-hand side. The information includes the monthly interest rate, gold loan eligibility per gram, loan value range, tenure, annual interest, and a schedule of the interest rate for different terms.

Step4: Choose a scheme suitable to your budget and click "avail this scheme." You will be directed to schedule a call to set up an appointment.

Financial institutions will not accept gold bars as collateral for gold loans. Any precious stones attached to the ornaments will not be considered. At ONE Muthoot, you can enjoy maximum Loan-to-Value for your gold in the market. 

You can use the ONE Muthoot gold loan eligibility calculator to evaluate your gold against the loan amount required. Book an appointment for a doorstep gold loan. A loan manager will visit you and evaluate your gold ornaments. The loan amount will be transferred to your account quickly after approval. You can access your gold anytime, at your doorstep or from your nearest branch.

How can ONE Muthoot doorstep gold loan be beneficial to you?

Any Indian citizen above 18 can apply for ONE Muthoot gold loan. Click here to learn more about the simple gold loan from the home application process. Pledged gold ornaments would be under the safe vault of the Muthoot FinCorp branch nearby, with 24/7 surveillance and insurance.

Take advantage of ONE Muthoot gold loan and get the best-in-industry interest rates, 0% processing fee, and no hidden charges. The ornaments will be returned in the same pristine condition after full repayment of the loan.

Access the online gold loan eligibility calculator and choose a customized repayment schedule suitable to your budget. Our flexible repayment options will help you to settle the loan at your convenience.

Head to our website www.onemuthoot.com to connect with us.

*T&C apply.

[idsign]

How Important Educational Loan now a days?

Considering Location

Local Education Loan

Students who should pursue preparing in India can apply for this advance sort. study in usa consultants in kukatpally The credit will get upheld given that the applicant is admitted to an Indian educational association and meets any excess moneylender models.

Abroad Education Loan

Such acknowledges help students for grasping their dream about seeking after the abroad education loan consultants in hyderabad course of their yearning in a new association. The credit covers the airfare, accommodation, and instructive cost for students who wish to think abroad given that they satisfy the capability measures. We provide abroad studies loan consultants in hyderabad

Considering Course

Undergrad Loans

This sort of preparing advance is given to students to give financial manual for students so they can complete their professional educations. A higher education will usually be a 3 to the 4-year long course under various specializations. Having a higher abroad education loan consultants in kphb helps individuals with finding a decent work and start securing.

Postgraduate Loans

Numerous understudies should continue with their tutoring with a postgraduate course, regularly a 2-year long course in India. Postgraduate schooling is needed to get more critical data international education loan consultants in kukatpally in the space of interest.

Calling Development Loans

Various specialists who work for two or three years in corporate positions like to plug their occupation and take up capable courses and getting ready to additionally foster their work prospects. Such individuals would try hard to get into international education loan consultants in hyderabad assumed business and specific schools to clean their capacities and show up at additional unmistakable levels in their employment.

Considering Collateral

Credit Against Property, Deposits, and Securities

You can guarantee unwavering assets, as agricultural land, confidential land, level, house, and others, fixed store verifications, rehashing stores, gold stores, securities, debentures, and worth proposals to get the essential supporting to pursue preparing abroad education loan consultants in kukatpally.

Bit by bit directions to Apply

You can either go to your favoured bank and enquire about the credit cycle, or you can apply on the web. At the point when the development application is introduced, the bank will begin the cycle by really looking at your reports, evaluating the course of study for which you wish to assume the praise, and promise you can give. The bank will, then, keep you exhorted.

Focus on Loan Repayment System

A couple of moneylenders allow a 6-month ease period resulting to following through abroad education loan consultants in himayatnagar with the jobs to track down a sensible work and start the repayment collaboration. This ease period could change with the bank. At the point when you land an errand inside this period, you could start the repayment cycle as EMIs.

You can contact the bank specialists, and considering your month to month pay, the bank specialists will propose a particular EMI. Expecting that you agree with this thought, you can start making the month to month repayments. Differently, you could wrangle with the total. At any rate, the best repayment residency allowed is eight years generally speaking.

[ismrpune22]

The PGDM institute provides a master's degree in rural and agricultural business management.

Sri Balaji Education Society established ISMR B-School in 2007 with the purpose of being a world-class institution that educates and performs cutting-edge management research while also nurturing the abilities of students.

 ISMR B-School is a well-known Pune business school that has consistently placed among the best for placement quality since its start and has a track record of providing 100 percent placement aid.

   We are dedicated to realising our mission of "Placing You First" at ISMR B-School.

 Today, the ISMR B-School campus hosts national and international conventions, symposia, seminars, student competitions, guest speakers, international programmes, industrial interfaces, and cultural activities. The purpose of ISMR B-primary School is to teach students not only how to study hard, but also how to apply what they've learned in class to real-world situations, resulting in multi-talented managers who can work effectively and efficiently in any situation.

   ISMR pgdm institutes in pune students are also encouraged to develop entrepreneurial skills, which would help them achieve goals beyond traditional professional progression.

   Positions held and achievements achieved

 l Academic Insights has named the "Business School of the Year 2019" in its annual rankings.

 l In 2019, Higher Education Digest named us one of Maharashtra's "Top 10 Colleges & Institutes."

 l In addition to its Top 100 B-School ranking, the publication "Higher Education Review" placed IIM 20th in India.

 l The "Excellence in Student Placements for 2018" award from Education World-Wide India.

 l The "Best Business School in 2017" received the 24th MRC Award for Excellence in Higher Education.

 l According to Jagran Josh, the institute is "Western India's Leading Private Management Institute."

   What makes you want to join our team? ISMR Business School clarifies the situation. Pune has traditionally been considered as one of the most important academic and career centres in Western India.

 It's a wonderful investment with a fantastic return.

 Taking a study tour to another country A lovely 20-acre campus Collaboration on Education Loans with Leading Banks

 We have offered 100% placement help since our inception.

 Scholarships are available to deserving students.

 Wireless Internet access is accessible for free around the campus.

 Industry visits from across the country and around the world, as well as management and leadership development programmes, are welcomed by faculty members who are dedicated and experienced. You can participate in both indoor and outdoor recreational activities.

 On-Campus Gymnasium Cultural and Intra-Collegiate Interest Programs The training will take place in a facility that has been approved by Medicare.

 Hostel and Mess Facilities for Boys and Girls

 Accident insurance is a type of protection that protects you in the event of a car accident.

   Courses that will help you advance in your career

   India's leading international business school is ISMR B-School. ISMR, a well-known MBA programme and one of  Top PGDM colleges in pune, is affiliated with Savitribai Phule University. At ISMR Business School, new ideas are developed, theories are debated, and business management is practised. It serves as a catalyst for students' professional and personal development rather than a data warehouse. It's for anyone interested in a curriculum that combines theoretical knowledge with real-world job scenarios. The PGDM programme includes lectures, seminars, real-world business challenges, and master courses. Academics, experienced practitioners, other students, and career experts all make significant contributions to the teaching and learning process.

   A master's degree, agriculture, or business administration are all possibilities.

 ISMR is a Savitribai Phule University-affiliated MBA and postgraduate management institute in Pune. A pgdm in rural and agricultural business management is offered by ISMR. Agriculture Business Management is a two-year postgraduate certificate programme in management that focuses on agricultural production and international trade. The postgraduate program's purpose is to help executives and entrepreneurs in the food, agricultural, and related industries develop their skills.

   The Agri-Business Management programme focuses on the agri-commercial sector's system-wide business and managerial responsibilities.

   This is a life-changing course that not only imparts knowledge but also helps students develop their creative abilities. The master's degree in rural and agricultural business management focuses on one of the most difficult and exciting industries in which to operate as a professional or an entrepreneur. To help students interested in professions in agriculture learn and improve, faculty members combine innovative teaching approaches with considerable academic and practical experience. Students' global perspectives will widen and deepen as a result of this study.

[rameshjadhav8080-blog]

The various advantages of opting for an overseas education loan

The biggest struggle of today’s time is to obtain an education from a reputed university. The reason being, companies of today’s times scrutinize your educational credentials. Thus, you have to make sure that you graduate from a reputable university. There are a lot of universities in India; however, most of the top-ranked universities are in foreign countries. Therefore, there are many Indian students who are traveling abroad to pursue higher education. But yet, there are still many meritorious students that are unable to obtain an education of their choice; because of the high cost of education fees. However, now there are a lot of banks and NBFCs (non-banking financial companies) that have started providing overseas education loan. You can make use of them and reap their benefits.

But before everything else, let’s understand what an abroad education loan is: It takes care of all of your study related expenses. The various expenses those are included under education loan for abroad studies range from the cost of study material, living expenses, travel expenses, tuition fees, college fees, etc. The education loans even include other miscellaneous expenses that you incur when completing your education. There are a number of advantages of opting for an overseas education loan. A few of them are as follows:

·The interest rates charged by banks and NBFCs (non-banking financial companies) are way lower than those charged by traditional financiers. There are also a number of other discounts provided for meritorious students and women. Thus, you can make use of them and pursue higher education abroad.

·The collateral required to obtain an education loan is determined on the basis of the quantum of loan amount borrowed and the primary debtor’s credit-worthiness. This collateral can be any of your residential properties, non-agricultural land, life insurance policy, fixed deposit, etc. Even the repayment of these loans is hassle-free; it is done in the flexible form of installments. Thus, you can carefully plan out all of your future repayments in advance.

· There is also a moratorium period given to students applying for an overseas education loan. This period starts from the day; the loan amount is disbursed into your account. The financial institutions also provide you with an additional 6 months to 1 year for searching for a stable job and start making repayments.

·There are a lot of financial institutions which have started providing their loan services online. The only things that you need to make use of these loans are an internet connection and a laptop, computer, or a smartphone. You can apply for these loans anytime you want- the services are available 24/7.

However, there are certain eligibility criteria you need to fulfill. The different types of criteria are your educational qualifications, nationality, co-borrower, credit score and history of the co-borrower, as well as the income of the co-borrower. Other than those, your educational institution, the country in which you are opting to study, educational course, collateral, etc. also play a major role in determining your overseas education loan eligibility.

Hope this article will help you make an informed decision. Best of luck!

[hesaenterprise]

20 Business Ideas To Implement In Rural Areas

1. Agrarian Marketing

Agrarian advertising gives truly necessary help with the most common way of shipping rural wares from the agriculturist to the client.

2. Natural Agriculture And Endurable Development

Natural agribusiness doesn't disastrously affect the environment. Customary cultivating network focuses vigorously on creation with the start of new and brilliant commotion. India is independent and the principle maker of a few harvests. The country additionally centers around yield arranged advances like HYV corns, pesticides, and present day composts. India depends on a coordinated farming strategy that flourishes for maintainability, upgrade of soil fruitfulness, and actual assortment.

3. Rustic Market

Managed request empowers the market to work straightforwardly. The arrangements are reviewed by an interest committee including producers, organization offices, and dealers. This empowers the requirement of standards, weight, and obsessions with charges.

4. Farming Diversification

Farming expansion says that the variety in yield, yield, and different variables connects with the adjustment of horticultural practices, techniques, and the shift from single editing to a multi-trimming strategy.

5. Foundation Development

India keeps up with the norms to plan framework like roads, rail lines, and capacity to work with transportation and holding offices.

6. Microcredit

Rustic frugality banks depend on the admission of value occasionally to acknowledge expanded efficiency in cultivating and non-farming regions. Also, the time between serving the item and finish of income after creation is very lengthy. Consequently, the requirement for microcredit. At the hour of India's autonomy, cash banks and vendors empowered little and immense cultivators and landless workers to enjoy agrarian exercises by giving them expensive loans.

Check Out:  Best Rural Fintech company in India

7 Banana Wafer Making

Banana wafers are under-ready bananas that are cut into cuts, spooned in syrup treatment, warmed under the light or in the cooker, seared, and consumed as a nibble sustenance or sweet. You can take care of both local and commodity requests. Banana wafer making is a simple country business to begin a limited scale.

8 Small Scale Super Shop

Everyday town presence is modifying fundamentally and a super shop gets gigantic open door. Starting a super shop in a provincial arrangement is marginally troublesome. A prosperous industry system ought to support you.

9 Pet Bottles Production

Pet container or pet jug creation is a rewarding assembling business. As indicated by trained professionals, polymer utilization by the Indian plastic industry is expected to twofold in the following 6 years. A pet jug creation office combined with effective infusion embellishment and hit forming processes is a productive speculation for business visionaries.

10 Vending Buffalo Milk

Bison milk is exceptionally esteemed. With due care and treatment, top notch milk can be achieved. In the event that you are talented in advancing, planting, and draining bison, you can start this industry all alone or with a couple of farmhands. For those inexperienced with draining, you can pay gifted dairy workers to do the errand.

11 Iodized Salt Production

Iodized salt is a white translucent powder salt fortified by iodine. A country business thought that is pragmatic, reasonable, and significant. Anybody can start iodized salt creation on a limited scale.

12 Air Bubble Packaging

An air bubble covering is a significant part of the bundling business. The requirement for safely wrapping government assistance and delicate items has emptied a huge hole; business visionaries can use the assembling of air bubble movies to connect this separation.

13 Integrated Fish-Cum-Duck Polyculture

Keeping ducks alongside fish lakes suits the fish polyculture method impeccably. You really want a water body, a lake for instance, to proceed with this business thought.

14 Agarbathi Making

An individual can start an Agarbathi making business either on a limited scale or by going hard and fast. Agarbathi is a fundamental part of pretty much every Indian family both for strict and fragrant reasons. Neighborhood agarbathi companies observer considerable income in India. You can do likewise in a country arrangement where the costs you bring about will be lower.

Check Out:  Best Rural Commerce Company In India

15 Goat Farming

Goats play a significant part to play in the agrarian portion, dairy, and poultry area. They are just about as important as cows and hen. Goat cultivating is one more worthwhile business thought in a provincial setting. You'll require a few assistants at first.

16 Coconut-Based Business

Coconuts are a fundamental part of the Indian economy. The country is the biggest maker of coconuts on earth. Coconuts are developed over 1.94 million hectares of Indian land. Around 90% of the coconut-collecting regions happen in the four southern provinces of India with Kerala representing around half from these four states.

17 Broadband Internet Provider

This business thought could sound perilous and value encouraging yet it is possibly fulfilling. You can turn into a web help supplier in the rustic locales. Your objective customers should be the young depending on versatile information; give them admittance to rapid web and watch your benefits flood.

18 Jute Bag Making

Jute is a biodegradable eco-accommodating texture. Jute sacks have a moderately decent market need and commodity limit. By having sensible hardware, you can incite a jute sack unit in your home region itself. For an eco-accommodating character, jute ropes, jute materials, and other jute products are fundamental.

19 Growing Cotton

Developing harvests that are popular in India and various nations is a tried approach to producing pay. The flourishing yields in India are rice, wheat, maize, mustard, bamboo, jowar, cotton, tea, flavors, therapeutic plants, toppings, and sugarcane. A productive business thought for ranchers and those with some information about cultivating.

Check out: Best Rural Tech Company In India

20 Candle Making

Fragrant elaborate candles have a colossal interest. There are a few purposes of such candles: embellishment, strict reasons, and so on A light creating unit can be begun a limited scale and as a part time undertaking. Ladies business visionaries are leading this fragment by exhibiting developments in candle making each and every other day.

[rish-8896]

Things to Know about Gold Loan

Gold Loan : Indians have been traditionally investing in Gold but such investments have been more due to emotional and social reasons than financial ones. Gold Jewellery makes a few guest appearances and later finds its place mostly in the bank lockers. Apart from letting you brag about your gold collections at family functions, Gold jewellery now has another use for you – YOU CAN MONETIZE YOUR GOLD ORNAMENTS WITHOUT SELLING THEM.

What is a Gold Loan?

A Gold Loan is a loan given by banks and NBFCs against the security of your gold ornaments and jewellery. It must also be noted that the gold loan is available only against the security of gold jewellery and not against bullion/primary gold including gold ETFs/ mutual funds. The loan is granted on the basis of the market value of the gold and is further guided by the guidelines issued by the Reserve Bank of India (RBI).

RBI Guidelines in respect of Gold Loans

RBI has put in place several safeguards for loans against gold ornaments and jewellery. The primary one is in respect of the Loan-To-Value (LTV) Ratio. Loans (including bullet repayment loans) against the pledge of gold ornaments and jewellery for non-agricultural purposes should not exceed 75 per cent of the value of gold ornaments and jewellery. So, you can avail of a loan of Rs. 75 for your gold jewellery valued at Rs. 100. LTV ensures that the banks have sufficient cushion against the fall in the value of the security. As such, even in the case, the market value of gold ornaments fall by 25%, the bank’s exposure to the gold loan remains fully secured.

Further, RBI stipulates that an LTV of 75 per cent has to be maintained throughout the tenure of such loan and not just at the time of loan sanction. The exposure considered for ensuring 75% LTV must also include the accrued interest so outstanding. Also, in case the principal and interest are repayable at the end of the loan tenor, the loan cannot be sanctioned for more than 12 months.

Benefits of Gold Loans

Gold loans carry several benefits for the borrowers, as listed below:

The utilization of Investment blocked in Gold Jewellery – Gold loan lets you avail the financial value lying locked in gold jewellery. It may difficult for you emotionally to part with certain jewellery but you can always avail of a loan against this jewellery, as you will get the jewellery back upon repayment of the loan.

Faster Processing of Loans – RBI has standardized the gold valuation by benchmarking it to the average of the last 30 days as quoted by the India Bullion and Jeweler’s Association Ltd. or the historical spot gold price data publicly disseminated by a commodity exchange in a consistent manner as per their Board approved policy. As such, the loan eligibility and processing happens at a much faster pace than other loans.

Available even in Absence of Credit History – Considering the availability of sufficient security which is relatively liquid as well, banks do not generally care if the borrower has a bad credit history, as banks always have sufficient security cover to fall back upon. Therefore, any person with a low credit score and requires funds on an urgent basis can avail of a gold loan.

Flexible Repayment Options – Since gold loans are allowed for miscellaneous purposes, the repayment can be set to be flexible ranging from a monthly payment option or a bullet repayment at the end of the loan term, as the cash outflows are not required to be matched with the cash inflows.

Here are a few things to keep in mind before you avail of a Gold loan

Loan amount

The gold price keeps fluctuating. So, in order to obtain a gold loan, the calculation of loan value is done in different ways. Some calculate the last two weeks’ gold prices and then take an average price for determining the rate per gram of gold; while some take the daily rate for valuing your Gold. Consider which plan suits you the best and which plan gives a higher value to your gold.

Interest Rate

One of the most important factors to consider while getting any loans is the rate at which you’re obtaining the loan. The rate of interest on Gold loans is comparatively lesser than Personal loans. But after all security of your Gold Ornaments and speed of delivery matters the most when one chooses between multiple choices. So as word of advice if going for a gold loan,, make sure the lender is reliable and trustworthy.

Short Term

Gold loans as such are meant only for the short term.  Mostly, they give 12 months duration to repay. Make sure you are able to repay the interest and principal within the time limit. Gold loans are a good way of receiving immediate cash to fulfil the needs in case of emergencies.

Repayment structure

Clarify all the doubts in the terms and conditions of the lender, to repay the loan before availing one. Gold loans have a flexible repayment structure as compared to any other loans. It’s always better to understand the terms carefully before availing of the gold loan. A final word of caution-NAVER DEFAULT IN REPAYMENT OF GOLD LOAN, IT WILL COST VERY HEAVY.

[financetech]

How To Get An MSME Loan For A Restaurant

What is an MSME Loan? MSME stands for Micro, Small and Medium Enterprises that includes producers, traders, carrier vendors, etc.  Such groups fall below the micro, small, and medium classes consistent with their turnover. An MSME Loan is a mortgage given to groups beneath MSME for the renovation of their groups.

Through this loan, the companies can amplify their enterprise through buying equipment or uncooked substances, retaining the paintings area, fee of lease, salaries and different prices, etc.

Usage of MSME Loans

MSME Business Loans may be used for a number of purposes inclusive of:

To reach the operating capital necessities and enlarge the commercial enterprise. This helps within the maintenance and increase of the commercial enterprise main to a better output. For the execution of new ideas. The business has to experiment and implement new ideas as a way to develop. This calls for funds and MSME loans can fulfil that need. For Management of Credit Flow within the business. It is crucial for the company to have credit to maintain its enterprise. It can be used to buy raw materials, pay rent, and other assets.

According to the Government of India, an enterprise that meets the criteria for funding and annual turnover described below can avail of an MSME loan. Microbusiness: Investment must no longer be above Rs. 1 crore and the annual turnover of the enterprise should no longer exceed Rs. Five crores.

Small commercial enterprise: The investment price ought to now not be extra than Rs. 10 crores, and the yearly turnover should now not be above Rs. 50 crores.

Medium commercial enterprise: The investment amount must no longer exceed Rs. 20 crores and the annual turnover cannot be extra than Rs. One hundred crores.

Depending on the class of your enterprise, you may observe for an MSME Loan. Features of MSME Loan

Below are some of the features of an MSME Loan: MSME loans are supplied to all  Small  Scale industries, including Partnership Firms, Private Limited Companies, and Public Limited Companies. All firms which might be Manufacturing or service-based are eligible for this loan, except for Retail traders,  Educational institutions,  Training establishments,  Agriculture, and  Self Help Groups.

The Interest price can also variety among nine.5 to 15 consistent with cent relying on the  Bank.

The most tenure for an MSME loan is 15 years.

There isn't any restrict on the amount of mortgage. You can take a loan in line with the eligibility of your organisation.

There is no necessity of repaying the principal quantity inside a year.

MSME loans are presented as both secured and unsecured loans. The choice relies upon on the commercial enterprise, its repayment capacity and the terms &  situations recommend via the  Bank.

How to apply for an MSME Loan

Before choosing a lender, you must be privy to your business necessities and the form of loan that you need. When you have got an intention, then best you could proceed further.

Opt for the ideal lender that offers you a easy system of having an MSME mortgage with a very good rate of hobby.  

You can practice for an MSME mortgage on line within the comfort of your property and get unfastened from the trouble of traveling your financial institution.

The following are the steps to use for an MSME Loan.

Step 1: Visit the respectable bank utility or website of your choice.

Step 2: Set up an account on the internet site. This may be carried out via filling in all the required info displayed for your display screen. This includes personal statistics, agency or commercial enterprise details, income info and your requirements from an MSME Loan. Step four: Submit the loan software shape.

Step five: Upload all of the required documents. This will include: Udhyog Aadhar licence Last 2 years income tax go back Project file of your commercial enterprise ID Proof and Address Proof

Step 6: When you publish the files, the Bank's loan govt will touch you to continue with the system.

Step 7: On verification of the files and the application form, the financial institution shall approve the mortgage, and the price range may be transferred for your  Business bank account.

Shriram City Union Finance

Shriram City Union Finance has proved to be one of the pleasant lenders when it comes to MSME loans. They provide their clients with severa benefits, such as: They offer customised loans that match the requirements of the client's business plan. The hobby quotes are flexible depending on the necessities and the schemes selected by using the applicant.

The Eligibility Criteria for an MSME Loan

To observe for an MSME mortgage with Shriram  City Union Finance,  you want to be eligible inside the following standards: Be an Indian citizen between the a while of 23-sixty five years. Have everlasting address proof and have to have lived in that identical house for as a minimum of 1 year. Handled the commercial enterprise for as a minimum three years. Fulfil the credit score evaluation system. Have a legitimate business registration certificate. Deal in manufacturing and service-based sectors.

[getlegalindia]

How Sarfaesi Act 2002 Works?

Here is a guide on how the Sarfaesi act works, what responsibility it gives to the financial institution, and how it occurs. 

The Sarfaesi Act allows banks and financial institutions to auction residential and commercial properties for loan recovery. As the borrower fails to repay the amount when expected, the bank gets the allowance to take power and take action against the borrower. 

In simple words, Sarfaesi Act gives banks the supreme power to reduce their non-performing assets byways of recovery and reconstruction. 

Asset or Debt securitisation has proven to be the best process in stimulating aids into securities and securities into liquidity. It is done on a long term basis, as a continuous process, to increase business turnover, profits and provide flexibility. The flexibility is in pricing, size, pattern, risk and marketability. 

What is Sarfaesi Act?

The complete form of the Sarfaesi Act is Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI). It allows banks to auction the borrower's property who fails to repay the loan in the desired timespan. 

However, it doesn't take the agricultural land of the borrower into the picture. It provides authority to the banks to seize the borrower's property since they cannot repay the loan as promised. 

However, this act is applicable only for secured loans, where banks hold a leading position to enforce underlying securities, including mortgage, hypothecation, pledge, etc. In the case of unsecured loans, the banks need to move the topic to the civil court and declare the borrower as a defaulter. 

Visit GetlegalIndia.com to know how the Sarfaesi act 2002 works.

Applicability of the Act

The provision for the loans has to be more than 1lakh and classified as non-performing assets. While the NPA loan account must amount to less than 20% of the principal, the interest is not covered under this Act.

The act is not applicable for:

Any money or security issued under the Indian Contract Act and the Sale of Goods Act, 1930.

Any conditional sale, hire-purchase, lease or any other contract that has no security created.

Any of the rights mentioned for the unpaid seller under Section 47 of the Sale of Goods Act, 1930.

Any properties are not liable for the attachment or sale under Section 60 of the Code of Civil Procedure, 1908.

How does SARFAESI ACT 2002 Works?

It gives the power to the bank for seizing the borrower's property. Defaulting borrowers are informed and notified about the sizing process and notice to discharge their liabilities. 

There are two main methods provided in the SARFAESI Act to recover non-performing assets: Securitization and Asset Reconstruction.

They must discharge their liabilities within 60 days. If the borrower fails to comply within 60 days notice, Sarfaesi provides the following responsibility to the bank. Banks can act in a position and take into consideration the following matter. 

Take into possession the securities of the loan.

Sale, lease and assign the rights of the lease to someone else.

Manage the securities or assign someone else to manage them.

There are many asset reconstruction companies in India. And such establishment of Asset Reconstruction Companies is guided in the SARFAESI Act, 2002. 

The RBI regulates such companies, acquiring assets from financial institutions and banks. The SARFAESI Act permits banks to sell the seized asset to such asset reconstruction companies. Also, RBI mentions the guidelines to go about the process and make the financial asset flow smooth from bank to company. 

Conclusion

Now that you know so much about Sarfaesi Act and how to go about the process as banks and financial institutions. You need to follow the SEBI’s guide and procedure and properly seize the property. 

If you wish to learn more about Sarfaesi Act 2002, visit GetLegalIndia.com and learn more in detail. It is an information directory that can help you have insight into legal matters.

Navigate the site and know more in detail about securitisation, asset reconstruction and more. Visit GetlegalIndia.com now for better information! 

[1bhkingoregaon]

Would Buying A New House Amid The COVID-19 Pandemic Prove To Be A Good Decision?

India’s real estate sector especially on the Mumbai side might have suffered a minor setback during the COVID-19 pandemic but now it has been seen that housing demand in the country is reviving. So, buying residential property for sale on SV road may not be a bad decision.

In India, the real estate industry is considered to be one of the main pillars of the economy and it’s the second-highest employment generator in the country after agriculture. Besides this COVID-19 pandemic has also changed people’s perception of home ownership significantly. They have come to know that living in an owned house is much safer and secure than the uncertainty faced in a rented home. And looking at the current situation government have also introduced a lot of reforms and incentives for home buyers to promote housing. So now if you are in a dilemma of whether to invest or not to invest in residential property for sale on SV road under the present conditions, here we mentioned some of the things for you to consider that might help you make a decision.

Home loan interest rates at record low

Currently, the Reserve Bank of India (RBI) has reduced the repo rate to a lower level to ensure that home loans are less expensive for home buyers. At present, the repo rate stands somewhere between 4 to 7 per cent. which is one of the lowest ever. So from this perspective aspiring home buyers should not try to let go of these record-low rates, if they are looking to buy residential property for sale on SV road and have the necessary margin of money. However, before applying for a home loan you might need to check your credit score. Because the lowest home loan rates are offered only to those applicants with credit scores over 750-800.

Property available at reasonable prices

Another good reason to buy residential property for sale on SV road in the current situation is that the housing units are easily available at reasonable prices.

In fact, it is probably the best of times for investors or end-users to opt for a property because prices are as low as they are going to get and most developers are willing to negotiate further. You also have a wide selection of options to choose from in almost all locations and budget bandwidths and can buy ready-to-move-in properties at prices that were previously seen only in under-construction projects.

Possibility of a price rise in the future

There may be a slowdown in the construction sector in the COVID-19 pandemic, but it can be assumed that no new supply will enter the market for some time. It might take a few months for the market to revive and the supply to pick up the pace. As demand outweighs supply, the ensuing quarters might witness an upward shift in terms of property prices. This means that if you invest in apartments on SV Road now, you might reap the benefits of appreciation in the near future.

Concluding Remarks

As you have read the above article, you have come to know that it’s surely an ideal time for you to buy or invest in property. An investment property can also help you generate steady rental income. In addition, if seen the pandemic has provided you enough time to research the areas where you want to move or what’s the average selling prices for the type of home you are interested in purchasing. So now if you are planning to buy a smart 2 BHK apartment on SV road or looking for a smart 1 BHK apartment on SV road visit www.chandakgroup.com. They will offer you some of the best property deals in your budget.

[propertyinvestindia]

Investment in India by NRI: Real Estate 2021

Investment in India by NRI: Real Estate 2021

Real Estate is a great option amongst all the investment options available in India for NRIs. Real Estate is a hot-spot in India for investors, especially with the massive NRI influx. It's easy to buy a house or land. There are many reasons to invest. Some are looking for a comfortable retirement. Others want an asset that will bring in decent income. Still others just want a place where they can live after their return. There are many reasons, but there is only one. Real Estat Being an NRI entails certain rules and regulations. Real estate investments are subject to restrictions. Let's start by understanding the properties that NRIs can invest in.

What is a propertie? Which properties are available for NRIs to buy in India?

NRIs are allowed to buy residential and commercial properties in India. They cannot buy Agricultural Land, Farm House, or Plantation properties. They cannot be passed on or given as gifts. We know the Indian properties that NRIs can purchase in India. We now need to talk about the various mediums available to invest in Real Estate India. NRIs can invest in India Real Estate: What are the best ways for NRIs to do so? The following channels allow NRIs to invest in real estate properties:

1. Use self-transactions Indian NRE/NRO/FCNR account (B) funds

Funds in their NRE/NRO/FCNR (B) accounts in India

Funds transferred to India from overseas (in your own account; you can't pay the seller directly)

2. NRIs can apply for a loan facility (in Indian Rupees) to finance up to 80% of their property. This is based on the individual eligibility of each NRI. The loan can be repaid via:

Inward Remittance Money transferred to your account from abroad

Indian Bank accounts have funds in their NRE/NRO/FCNR.

Rent the property you have bought

Close relatives credit the borrower's account (under section 6. of the Companies Act 1956)

Notice:Traveller's checks are not eligible for payment.Pre-paid fixed-amount cheques that can be used to pay across borders (pre-printed, pre-printed fixed-amount cheques)Or in foreign currency notes. All payments must only be made in India

Documents needed to invest in Real Estate

An NRI must have the following documents in order to invest in Real Estate in India:

Passport

Address proof

Permanent Account Number (PAN Card)

Photographs

This is it! These are the essential documents that you need to invest in Real Estate in India. Why do NRIs choose to invest in Real Estate? What are the benefits? Let's find out.

NRIs should not buy houses in India.

Real estate investments in India offer many benefits. You can choose the benefits that suit your needs. Let's take a look at the main benefits of an NRI investing in Real Estate in India.

Rent IncomeIf they are located in a established neighborhood, real estate properties can attract a handsome rental income.

Price Benefits and Long-Term ReturnsIndia's real estate industry is growing at 19.5% per annum (CAGR 2017-18; Source : IBEF). This trend of growth means that any investment in this industry will yield lucrative returns over the long-term with an exponential growth in prices.

Retirement PlanWith the Reverse Mortgage, investors in real estate can make a living from their investments. This is a type of loan that allows people over 62 with substantial home equity to borrow money against the home's value as a lump sum, fixed monthly payments or line of credit. India is a great place to start.

Tax Benefits:Multiple tax exemptions are available in India for property loans. Section 24: Exemption on the interest that you pay on your home loan. Section 80C: Exemption on principal repayment. Watch video to learn how you can save taxes on capital gains by selling your property.

The taxation aspect is another important consideration when investing in Real Estate in India. The tax on Real Estate can further be subdivided into capital gains and rent. TDS for the purchase of a property is another important instrument that we must deduct from our income and pay to the authorities. Each one will be covered.

[bestcollegeinranchiumu]

Think Beyond, B. Sc (Hons.) Agriculture, An In-Demand Career Option After Class 12th

Agriculture plays an important role in the Indian economy, contributing about 18% to the total GDP. Over 70% of the Indian population relies on agriculture for their livelihood. As India’s economy highly depends on Agriculture, qualified and skilled agriculture aspirants have been always in extreme demand. If you want to make your career in the field of agriculture, B.Sc (Hons.) Agriculture is the best course for you. Usha Martin University, ranked among the best university in India offers B.Sc (Hons.) Agriculture program to produce expert graduates with knowledge of modern agricultural techniques and equipment in practical use. While pursuing this course from UMU, the best university in Ranchi, students gain in-depth knowledge about soil-science, land surveying, disease resistance, plant pathology, plant genetics, and breeding, etc.

As the Indian economy highly depends on agriculture, students can easily understand the importance of B.Sc (Hons.) Agriculture course at a professional level. It is an in-demand career option after the 12th. UMU is inviting application, Admissions Open B.Sc 2021 at UMU. Apply now!

What is B. Sc (Hons.) Agriculture?

B. Sc (Hons.) Agriculture is a professional course in the area of agriculture and its application. It's a 4-year undergraduate program offered by various universities for 12th pass students preferably with a science stream. During the course period, students learn about different aspects of agriculture, agriculture science, and the use of modern equipment and agriculture techniques in practical implementation. These skilled graduates will help to increase crop yields and earnings in upcoming years.

Why UMU For B. Sc (Hons.) Agriculture?

At UMU, B. Sc (Hons.) Agriculture aspirants get in-depth knowledge of soil science, agronomy, horticulture, disease resistance, microbiology, plant genetics and breeding, plant biotechnology, plant pathology, entomology, land surveying, water resource and its management, animal husbandry management, etc. UMU, the best university in Ranchi provides highly qualified and expert faculty. Along with classroom learning Agriculture students are exposed to the fields, crops, commercial farms, etc.

Eligibility Criteria:

The student must have passed the 10+2 examination from a recognized board in Science stream with PCB/ PCBM/ PCM

Students must have scored a minimum of 50% marks in the 12th exam.

A relaxation of 5% would be applicable for the students belonging to SC/ST/OBC, physically challenged and war widow, as per the government of India reservation policy.

Duration of the Course:

B. Sc (Hons.) Agriculture is a 4-year undergraduate professional course divided into eight semesters, where six semesters of course work, and two semesters for Rural Agriculture Work Experience (RAWE) Program and Experiential Learning.

Career After B. Sc (Hons) Agriculture:

An agriculture graduate has enormous career opportunities in both government and private sector. He/she becomes eligible for various competitive exams such as FCI, UPSC, and other govt. jobs. If you are taking admission at UMU, you may get a job during campus placement, where private and public companies offer jobs during campus selection. You can become a journalist in the agriculture sector, research officer, quality assurance officer, agriculture officer, production officer, farm manager, manager at a plantation, agriculture loan officer, and so on. Admission Open for B.Sc 2021, apply now!

Admission Procedure:

A candidate seeking admission in B.Sc (Hons.) Agriculture can apply in two modes, Online or Offline.

Online Mode:

Interested candidates can apply online by filling online form onthe university’s official website www.umu.ac.in. Click on Apply Online fill in the required details and pay online through credit card, debit card, or internet banking.

If you can’t pay online you can send payment to the university through a DD of Rs. 500/- in favor of Usha Martin University Jharkhand.

Offline Mode:

To apply online candidates are requested to download the application form from the UMU’s website. While submitting the form candidates are required to enclose a DD of Rs. 500/- in favor of Usha Martin University, Jharkhand.

A duly filled Application Form must be delivered personally or sent through speed post/ registered post/ or any reputed courier.

Candidates can also take the Application Form from the university campus and its selected branches and offices.

After receiving the application form from the university, the candidates will be informed within 7 working days.

Source Url: Think Beyond, B. Sc (Hons.) Agriculture, An In-Demand Career Option After Class 12th

[pragyanegi18]

Top 5 Banks Providing The Lowest Interest Rates On Gold Loans

Gold Loan is a form of secured loan which is taken by the borrower in their time of need or when facing a financial crunch. The borrower is supposed to keep some gold articles with the lender in the form of collateral. The lender is then liable to lend some money to the borrower. Usually, the loan amount is about 80% of the gold value kept as collateral. However, this value depends upon the current price of gold in the market.

Many banks offer gold loans and levy different rates of interest on it. If you wish to take a gold loan, then it is advisable for you to do proper research and choose a bank that offers the lowest interest rate and has maximum benefits. Here is a list of five banks that offer the lowest interest rate on the gold loan in India.

Punjab and Sind Bank

The interest rate on gold loans lies between 7.00% to 7.50%. The gold loan offered by this bank can be used for productive uses like agriculture and non-productive uses like educational expenses, medical purposes, and marriage expenses. However, no loan will be given against smuggled gold and for other speculative uses. Individuals, corporates, as well as non-corporates are eligible to apply for gold loans. You need to lie between the age of 21 years to 65 years for your gold loan to be sanctioned. You will get a maximum loan of Rs. 30 Lacs for productive purposes and a maximum loan of Rs. 2.00 lacs for non-productive uses. There are no prepayment charges and your loan account can be repaid within a maximum duration of 12 months or whenever you find it comfortable to pay back the borrowed amount.

State Bank of India

This bank offers an interest rate of 7.50% on SBI gold loans. You can get a gold loan from SBI by keeping your gold loans or coins as collateral and you need very little paperwork to do the same. You can get a minimum loan amount of Rs. 20,000 and a maximum amount of Rs. 50 lacs. Any individual who has a stable income source and is 18 years or above is eligible to apply for a gold loan from the State Bank of India. You can choose from three different types of gold loans, normal gold loan, liquid gold loan, and bullet repayment gold loan. Depending upon your choice, the repayment tenure will be of 36 months, 36 months, and 12 months respectively.

Federal Bank

This bank offers an interest rate from 8.50% onwards on gold loans. The gold loan is sanctioned easily and in a very hassle-free way. You require very little paperwork and your application is approved quickly. There are no hidden charges involved and you can easily get a gold loan after keeping 22 ct. gold ornaments as collateral. You can avail of this loan if you are a citizen of India and have a minimum age of 18 years. A gold loan through Federal Bank can be taken for personal, agricultural, and business purposes. You can get a minimum loan amount of Rs. 1000 and a maximum amount of Rs. 15 lacs. The repayment option is very flexible as well. You can either pay back a lump sum amount or keep on paying the borrowed amount in the form of EMI.

Punjab National Bank

This bank offers a gold loan at an interest rate of 8.75% onwards. The loan tenure ranges from 1 month to 12 months and the amount that you can borrow starts from Rs. 1000 to Rs. 10 lacs. There are no repayment charges offered and the different schemes offered by Punjab National Bank include EMI schemes, overdraft schemes, as well as bullet repayment schemes. You can take a gold loan from this bank to meet personal or business needs. However, you will have to keep gold jewellery of about 50 grams and should have a purity of 18 to 22 carat as collateral. 

HDFC Bank

This is one of the most popular banks and offers interest rates ranging between 9.50% to 17.55% on gold loans. Different types of gold loan offerings are term loan, OD, and bullet repayment. The gold loan tenure offered by HDFC bank is quite good. You can avail of the loan for a duration of 3 months to 24 months and the repayment is flexible. You can either pay every month in the form of EMI or pay the interest rate as well as principal amount after 1 year as seen in the case of bullet repayment. The minimum loan amount is Rs. 25,000 in general and Rs. 10,000 in rural areas. The eligibility criteria are simple and you can easily get a gold loan from HDFC Bank.

In the end, you will want to apply for a gold loan from a trusted bank that offers the lowest interest rates. You can consider the above-mentioned banks if you are thinking about taking a gold loan. Taking this secured loan will help you meet all the expenses without harming your savings. The best thing is that due to the flexible repayment option, you can pay back the loan according to your financial condition. However, you should take only that much amount which you can pay back easily and on time.