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VN KULKARNI
Five rights of loan defaultersIf you have defaulted on a loan, the rules don't give lenders a complete walkover. Here's what to bear in mind if you find yourself in such...- Reserve Bank of India’s new norms will shorten your wait for loan approvalThe guidelines on fair practices code for lenders require banks and financial institutions to devise a system of acknowledging receipt of a...
- Multiple bank accounts may just be more pain than gainIndividuals end up with more accounts than needed when they switch jobs or opt for feature-rich accounts, without closing their existing on...
- New banking code may keep your online transactions secureYou don’t have to worry anymore about someone trying to access the confidential info every time you use internet for banking transactions.
- Banking guidelines in place to help differently abled individualsFor individuals with disabilities, the Reserve Bank of India and the Indian Banks Association have put in place guidelines for opening and ...
- How to shield yourself from credit card fraudET tells you what precautions one should take while using credit cards and how to avoid identity theft.
- Choosing a fixed rate loan is not a good idea when interest rates fallFloating rate loans have surged ahead of their fixed rate counterparts on the popularity charts, thanks to the substantial differential in ...
- Why home loans are set to be cheaper this yearLast year, the existing borrowers did not see any reduction in their home loan EMIs or tenures. Here's why it may be different this year.
- Q&A: Banking & FinanceIn 1982, we took a home loan of Rs 1.5 lakh from LIC, which was repaid in 1992. But LIC has not returned our original documents.
- Q&A: Banking & FinanceAs per the bank’s deposit policy 2012-13, it has specified that SB A/C holders with cheque book facility need to maintain a quarterly avera...
- Query Corner: Banking & FinanceOur expert guides you in matters relating to banking & finance . Email to etquerybkg@indiatimes.com
- Q&A: Banking & FinanceCanara Bank is paying interest @9% for 5-year FD and 9.5% to senior citizens. However, on tax-saver FDs they are paying 9% to all, includin...
- Hit by rising home EMI? Here's what you can doHome loans have become a problem for many because of the rising cost of living and higher interest rates that have pushed up EMIs.
- Query corner: Banking and financeGovt approved a scheme to provide full interest subsidy during the period of moratorium on loans taken by students whose parents' income do...
- Prepare for new terms if your bank’s bought overIf your bank has been acquired by another, you will have to follow a new set of rules. Here is what you need to know. Buy the right term pl...
- Read fine print in loan deed to avoid shocksMany home buyers assume that home loan agreements are standard contracts, and hastily sign on the dotted line. Check out certain rights and...
- Evaluate fund needs before taking tempting loansYou may be inundated with calls from bank executives with that tempting loan offers. But, it’s imperative that you evaluate your fund needs...
- Loan Guarantor? Be mindful of misstep in loan defaultGuarantor will be under obligation to make good the loan amount if the original debtor defaults. Plan finances before going for loan | Cost...
- Check with CIBIL if loan rejected dued to credit historyVN Kulkarni, chief counsellor, Abhay Credit Counselling Centre offers tips in matters relating to banking and finance.
- Loan seekers have a right to credit reportLoan-seekers, whose applications are turned down because of incorrect credit profiles, now have an opportunity for redress. RBI has instruc...
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