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APARNA RAMACHANDRA
These four borrowers got debt trapped due to F&O trading, living beyond means, business failure: Here’s how to get out of debtReckless spending, poor planning, and unchecked borrowing are pushing many into deep debt. Disciplined saving, debt restructuring, and expe...- Gold loan should be your last resort. Aparna Ramachandra explains whyAparna Ramachandra advises on navigating the complexities of gold loans, including interest rate comparisons, repayment strategies, and the...
- How RBI is trying to make banking services customer friendly? Aparna Ramachandra explainsThe Reserve Bank of India is implementing measures to improve the customer experience in the banking sector. The RBI Banking Ombudsman will...
- New RBI directive to banks: What are your rights as a borrower?“However, it is the borrower's responsibility also to have that list of documents that they have submitted to the bank while taking the loa...
- How to make smart use of credit cards in the coming festive season?Founder of "The Other Circle", Aparna Ramachandra, recommends that people should pay off their bills on time leading up to the festive seas...
- Why has RBI fined 4 credit bureau agencies? Aparna Ramachandra explainsSo, multiple banks, huge banks, data was all over the place which is where there was a delay and the statutory audit happened in March of 2...
- What is the difference between MCLR and EBLR rates? Aparna Ramachandra explainsMost of the loans today are linked to MCLR. Even when the customer asks for a fixed rate of interest, most of the banks today do not give t...
- Loan & credit card repayment strategy: Aparna Ramachandra’s smart tipsDifferent kinds of loans require different repayment strategies, says Aparna Ramachandra, Founder-Director. Secured loans, like home or aut...
- Aparna Ramachandra on how to manage loans & credit rating, avoid EMI defaultsMissing EMIs on loans, particularly personal loans, can result in penalties, late payment fees and legal action against borrowers. With per...
- Thinking of securing your debit, credit & other plastic cards? Learn what it means from Aparna Ramachandra"To start with, if you misplace or you lose your wallet and you have this protection plan, then with a single call, all your cards get bloc...
- How to financially prepare for a home loan interest rate hike in the futureThough home loans are currently available at low-interest rates, it is equally important that you are financially prepared for future inter...
- How to choose the best home loanA bank charges various charges such as processing fees, paperwork etc. Hence, it is important to calculate the 'effective cost' before taki...
- Home loan EMIs set to go up as interest rates bottom out: What borrowers should doBanks and other lending institutions are giving an indication that interest rates are bottoming out. Borrowers should be extra careful now....
- Times 40 Under 40: Celebrating the game changersTimes 40 Under 40 honoured and applauded 40 of the brightest corporate leaders, emerging entrepreneurs, artists, sportspersons, musicians a...
- View: Has British Raj returned?For judicial officers to show such abysmal ignorance both about the law and what superior courts have pronounced, is unpardonable.
- Bihar Police closes controversial sedition case against celebrities after allegations found 'false'The FIR was lodged at the Sadar police station last week upon the order of the Chief Judicial Magistrate which had forwarded a petition fil...
- Mob-lynching row: FIR lodged against Mani Ratnam, Aparna Sen & 48 other celebs who wrote open letter to PM ModiThe Muzaffarpur CJM had passed the order on August 20.
- Is it time to take a close look at Equity Savings Funds?Equity Savings Funds emerged after the changes in taxation of debt funds in Budget 2014.
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