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Loan

What is loan ?

Loan means lending of money by one or more individuals , organizations , or other entities to other individuals, organizations etc. 
Whom we are giving the plans is known as recipient ( i.e. the borrower) , he usually liable to pay interest on the debt which was taken by borrower until it is repaid.
People borrow money for various reasons. It could be to expand their business, to fund higher education, to buy a home or car , to get a ring for their girlfriend or wife .
We need loans to fulfill our desire. Sometime we don’t have much money for fulfilling our need on that time we take loan and after some time we pay it with interest.

Categories of loans 

Loans are generally fall into 2 categories.

1) Secured                    2) Unsecured

Secured loans are those loans for which a borrower keeps some asset as surety or collateral to borrow money.
Collateral can be your car , your home , or anything that is valuable.
Now come to unsecured loans . Unsecured loans are taken without keeping a collateral.
If the borrower defaults on this type of debt , the lender initiates a lawsuit to collect what is owed.

Types of loans

1) Personal loans – 

Personal loans taken for the personal purpose like emergency expenses, weddings or home improvement projects and it is usually unsecured, that is they don’t require collateral.

2) Auto loans – 

Auto loans are taken by person when he / she buy any vehicle . It is secured loans . Auto loans terms generally range from 36 months to 72 months , although longer loan terms are becoming more common as auto price rise .

3) Student loans – 

This loan taken by students to pay the college fees . They are available from both the federal government and from private lenders .
Federal student loans are more desirable because they offer deferment, forbearance, forgiveness and income – based repayment options while student loans from private lenders lack benefits such as loan forgiveness or income – based repayment plan .

4) Mortgage loans – 

Mortgage loan covers the purchase price of a home minus any down payment. The property acts as collateral, which can be foreclosed by the lenders if mortgage payments are missed . Mortgage are typically repaid over 10, 15, 20 or 30 years .

5) Home equity loans – 

A home equity loans or home equity line of credit ( HELOC ) let’s you borrow up to a percentage of the equity in your home to use for any purpose . 
These are installment loans . You receive a lump sum and pay it back over time ( usually 5 to 30 years ) in regular monthly installment.
HELOCs usually have variable interest rates ; home equity loans have fixed interest rates .

6) Credit – Builder loans – 

It is designed to help those with poor credit or no credit file improve their credit, and may not require a credit check . The lender puts the loan amount ( generally $300 to $ 1000) into saving account. You then make fixed month payments over 6 to 24 months .
Before you apply for credit – builder loans make sure the lender reports it to the major credit bureaus ( Experian , TransUnion and Equifax ) 

7) Debt – Consolidation loans – 

This is a personal loans which pay off high interest debt , such as credit cards . Consolidating debt simplifies the repayment became it means paying to one lender instead of several. 

10 healthy habits for a healthy lifestyle

10 healthy habits for a healthy lifestyle

All of us want a healthy and fit body or we can say we want a healthy lifestyle. A healthy lifestyle gives you a happy life, good mental peace and stable life but unfortunately, we end up with all the shortcuts we have because of the busy schedule we have all day.

Nowadays, it is very difficult to maintain a healthy lifestyle because of all our busy days.

We should maintain physically as well as mentally a good lifestyle.

So, here are some good habits for a healthy life : 

1. Regular exercise – We should exercise regularly to keep our bodies fit and healthy. Regular exercise keeps our muscles and bones more strong. 30 minutes of doing exercise every day can be helpful for our body. Something like walking or doing a warm-up for 30 minutes gives more energy to our body and adds some more healthy years to our life.

2. Eat breakfast – Daily having breakfast can help to give more energy and keep your stomach full for a long time. You should add vitamins, proteins, minerals and fewer fats and cabs to your breakfast. Eating eggs for a breakfast is very good for your body.

3. Avoid stress – Taking stress will affect your brain and organs. It is very dangerous for our mental and physical health. Stress can be a major factor for high blood pressure, pressure stroke, heart diseases and many more. Doing yoga and meditation will help to relieve stress.

4. Sleep more – Our body also needs rest. For younger and teenagers 7-8 hours of sleep is good for their body and for adults they should sleep 5-6 hours a day although they can sleep during the day if they want. Good sleep is very important for our good health. Good sleep will keep our minds energetic, fresh and cool. Lack of sleep will lead to lack of concentration, headache, and drowsiness. If you are having trouble getting sleep then listen to your favourite music, read books or you can consult a doctor

5. Stop smoking – Smoking is a bad habit and it is very dangerous to our bodies. Smoking affects our lungs so it is better to avoid.

6. Stop drinking alcohol – Consuming alcohol is very bad for our bodies. It can damage our system.

7. Drink more water – Drinking water is very important because it flushes toxins from our bodies and keeps us hydrated. Every day we should drink 3 – 4 litres of water. Whenever you are hungry and you don’t have anything to eat in your kitchen then make sure you drink water. It will keep you hydrated and your hunger remain to stop for some time.

8. Eat more vegetables and fruits – We should eat fruits in the morning snack or the evening. Fruits give us vitamins, minerals, potassium, and fibre. Example – apple, orange, avocado, banana, blueberries, dragon fruit etc. Eating more leafy vegetables is very good it contains all the essential nutrients we need in our body. At every meal take more vegetables and less rice. It will keep your stomach full for a longer time and you won’t feel heavy after having your meal.

9. Proper hygiene – Maintaining proper hygiene is necessary. Like brushing your teeth regularly and taking bath every day. It will improve your health and social life.

10. Always laugh more – Last but not least. Laughter is the best therapy. Whenever you get a chance to laugh please laugh as much as you can. Laughing is very good for the heart. It will improve our mental health also. There are many laughter clubs, and organisations available in your city. You can join them too.

Kabaddi : Le Panga

 

Modern Kabaddi is known for its catchy catchphrase “Le Panga” and its frantic speed. However, when asked, the majority of us would have little idea of its early years. Let me first describe where Kabaddi is played today in terms of geography. 


It has established a footprint across the whole Indian subcontinent. Haryana, Punjab, Uttar Pradesh, Bihar, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Kerala, and Tamil Nadu all play it as their state sport. It is Bangladesh’s national sport. Iran has most lately become a part of the intense game. The origin of Kabaddi is a topic of ongoing debate, however, there are two main hypotheses.








The Sistan region, which is now a part of contemporary Iran, or the Tamil region of ancient India, according to these ideas, is where the game of Kabaddi is thought to have first been invented. The first theory’s proponents assert that the ancient Tamil region, which primarily consists of Tamil Nadu and southern states, is where the game of Kabaddi originated. Through their sea trade, the Tamil empire brought this game to Southeast Asia. According to legend, the Tamil term “Kai-Pidi,” which means “to hold hands,” is where the word “Kabaddi” originated.

According to the game’s history, Gautam Buddha and Lord Krishna both participated in the game as children. In addition, the Mahabharata describes Arjuna’s ability to enter a room covertly, eliminate adversaries, and emerge unscathed—a skill that is fundamental to the Kabaddi game.



Circle Style Kabaddi and Standard Style Kabaddi are the two formats in which the game is played. Circle Style Kabaddi is primarily played in the states of Haryana and Punjab, whereas Standard Style Kabaddi is acknowledged and appreciated all over the world. Standard-style Kabaddi is played in every international competition. Traditionally, a court of 10 meters by 13 meters is divided into two teams of seven players each. There are 5 players on each team that is retained in reserve.

The fundamental guidelines for playing Kabaddi were formally established even before the Kabaddi Federation of India (KFI) was established in 1950. The Kabaddi World Cup, Asian Games, Asian Kabaddi Championship, and Kabaddi Masters are the most prestigious international competitions. It’s a fairly easy game to learn and play, and it costs very little and doesn’t require any special equipment or a large playing area.


The Pro Kabaddi League has helped Kabaddi rediscover its

 appeal in India. It has been successful for Pro Kabbadi League to revive what is said to be the game of ancient India. Double round-robin and playoff formats are used in the Pro Kabaddi League. Based on a similar business strategy as the well-known or infamous IPL, it was introduced in 2014.

It currently includes twelve teams from various states in the nation. The new season, which will include twelve teams competing for the ultimate championship, will start on December 22. It is anticipated to be the largest one yet. Every year, as technology advances, followers of all ages are drawn to the game’s allure. The athletes and teams have won a number of titles thanks to their incredibly impressive performances. With their tackling strategies and raids, players like Manjeet Chillar, Rahul Chaudhary, Pardeep Narwal, and Deepak Hooda captivate us.


Land reforms in india

 Land reform refers to efforts to reform the ownership and regulation of land in India. we can also say that those lands which are redistributed by the government from landholders to landless people for agriculture or special purpose is known as land reform.

The land reforms is an integral part of the scheme of agricultural development and rural reconstruction since the inception of the economic planning in the country.

Some of the most important objectives of land reforms in India are as follows:-

1)Rational use of resources – It can be done by changing the conditions of holdings, ceilings on land holdings. This helps cultivation process in a most economical manner without any wastage of land, labour and capital.

2)Raising Production level – Raise the production level of the agricultural sector by motivating the farmers to raise their output.

3)Removal of Exploitation – This can be attained by redistributing agricultural land in favour of less privileged class of farmers and also by improving the terms and conditions for possessing land for cultivation by actual tillers and abolition of intermediaries.

4)Raising the standard of living – To raise the standard of living of the rural poor through re-distributive packages and programmes.

5)Social Welfare – Promoting social welfare for rural masses and also to end social injustice through equitable distribution of income.

The Challenges and Prospects of Women Empowerment

The Challenges and Prospects of Women Empowerment

What is Women Empowerment?

Women’s empowermentis the process of empowering women. It may be defined in several ways, including accepting women’s viewpoints or making an effort to seek them, raising the status of women through education, awareness, literacy, and training.

     Challenges of Women Empowerment

The major hurdles in the process of empowering women are loads of Problems that were faced by women in past days and still today up to some extent are Gender discrimination, Lack of Education, Female Infanticide, Financial Constraints, Family Responsibility, Low Mobility, Low ability to bear Risk, Low need for achievement, Absence of ambition for the achievement. Atrocities on Women such as Raped, Kicked, Killed, Subdued, humiliated, Deserted and divorced Women. Social stigma and the fear of abandonment by the family play a big role in women and girls’ ability or inability to access laws and policies to address sexual and physical violence.

Some other factors that pose the challenge in realizing women’s empowerment are Poverty, Health and Safety, Professional and household Inequality.

     Prospects of Women Empowerment

More than ever before, today’s young women have more choices and control in their lives. They had the most choices in education, the least in career choices. Women are touching heights in almost all fronts be it politics, science, technology, defense, administration and in society in general. This has become possible because of slowly changing social perspective towards women.

 In recent years, the traditional roles of women have undergone some changes due to economic needs, and some efforts were made to bring visibility and mainstream women’s contribution to the overall growth and development of society. The status of women has changed considerably. Women have made significant strides in all fields, although their number remains insignificant. 

Smt. Pratibha Devi Singh Patil became first women president of India 12th President of India. Sakshi Malik became the first Indian woman to win an Olympic medal for wrestling at the 2016 Rio Olympics in the 58 kg freestyle category and PV Sindhu bagged a silver medal at the 2016 Beijing Olympics in Badminton.

The Indian Government has paid special attention to women’s empowerment, and both the National Policy for Empowerment of Women (NPEW) 2001, as well as the 10th Five Year Plan, illustrate its commitment to women’s empowerment and welfare. The Government of India has initiated a number of schemes and Ministry of Women and Child Development, Government of India has started so many Programmes for the empowerment of Women.

v    Conclusion

When women are empowered they get the right to speak up, get a proper education, have a fixed income, do not become victims of early child marriage or domestic violence and do not have to face harassment. Also when women will be empowered, they will have their daughters empowered as well. Women empowerment cannot be possible unless women come with and help to self-empower themselves or other women for which they will be paid back for their, support love and care to each other. Besides they will live in more developed and educated society.

 

What is loan? What are the types of loans? How you can get educational loans ?

A loan is borrowing money from a company, organisation or individual. It is a process where you will borrow money from the lender and they will charge some amount of money as their interest and you have to pay the interest money along with their borrowed money. The lender gives a specific time to repay the loan and if the time has been over due to some reasons so the amount of interest will be charged.

There are different types of loans –

1.  Home loan

2. Education loan

3. Gold loan

4. Vacation loan

5. Personal loan

6. Small business loan 

7. Medical loan

8. Family loan

9. Credit card loan

10. Pawn shop loan

Home loan

A home loan is also known as a mortgage. In-home loan, you can borrow to finance building your own house. To build a house of your own is everyone’s dream. To stay in their house, to decorate their house and do all the stuff in their own house. So home loan or mortgage is a way to help build your house.

Education loan

Many students have their perspectives to hold their careers. Today’s generation of children is more intelligent than others. Many of the children want to pursue their careers in different cities or abroad. So if your children want to go there and make their life successful you can take an education loan. An education loan provides you with the amount and after getting into a job or business you have to repay the amount.

Gold loan

Gold loan is safe as other loans. A gold loan is a process where you have to borrow money from the bank and they will take your gold as collateral and charge some amount of money as interest when you will repay your loan they will give you your gold. Various banks are available for taking gold loans such as HDFC Bank, Muthoot Finance, Paisbaazar.com, ICICI bank and much more available in the market.

Vacation loan

A vacation loan gives you the money to plan a trip or go on a vacation with your children, family, and loved ones. This loan is also similar to other various loans. Whenever you take a loan you have to repay the amount you have taken.

Personal loan

A personal loan can be anything which you desire that you need basically for your personal use.

Small business loan

A small business loan refers to the means a business owner needs money to start a small business or enterprise or to buy expenses for their small business.

Medical loan

A medical loan refers to a loan in which you need money for medical purposes to pay and you have to repay the money within the time given.

Family loan

A family loan is used mainly for all the family purposes like buying a car, educating their children, medical issues etc.

Credit card loan

To use this credit card loan you should have some amount of money in your account as per their rules. If you take a credit card loan you can do anything from that like buy your needs, book your tickets, shopping and many more. In this process, you have to repay the amount in time as per their due date and you should have money in your account as they will cut from your savings.

Pawn shop loan

The process of a pawn shop loan is you have to bring an item, the pawnbroker will determine the amount of the particular item on basis of the item they will give you a loan, and they will have the collateral until you repay them.

How you can get an educational loan ?

For getting an educational loan the eligibility criteria are 18 to 35 years and if you take up to Rs 4 lakhs of educational loan you don’t have to pay any collateral. For taking between Rs 4 to 7.5 lakhs of loans you need a third-party guarantee but you don’t have to pay any collateral and if you take loans exceeding Rs 7.5 lakhs then you have to give collateral.  For getting an educational loan you have to go to the bank and take all the necessary documents with you for the process.

For getting an educational loan you can contact

http://www.bankbazaar.com

sbi.co.in

Bank of Baroda

Axis Bank

Union Bank of India

HDFC Bank

Insurance

 What is insurance?

Insurance is generally a financial coverage for the losses which is beared by the person under certain circumstances or we can say that it is a legal agreement between two parties, the two parties include 1) insurer 2) insured.
Insured is defined as the person who is covered against risk while insurer is the company that is providing coverage.
In simple terms if any unfortunate things happen to the person at any time where he/ she is not aware about the situation and not having that much amount or we can say he or she was financially weak then this insurance will help them in her bad situation or mishappening.

What is the importance of insurance?

Insurance help the society for managing their economic growth. Insurance develop financial institutions and reduce uncertainties by improving financial resources.
1. It provide safety and security to the person in case of any sudden financial loss . It provide financial support to the person and reduce the uncertainties in business and human life. Let take example that if any accident happen in anyone’s life then this insurance will help to overcome from the financial loss.
2. Some insurance plans will help in protecting the dreams of your child in terms of his/her education. Insurance are make sure that your children are financially strong while pursuing their goals.
3. There is one type of insurance that is home insurance which help a person when there is any damage to your home then this insurance will help you to get coverage for damages and pay for the cost of repairs, whichever is needed.
4. It will help your family to maintain the stability of financial growth. If any unfortunate death to the sole earner will happen then the insurance will help to the other family members.
5. Insurance will help in encourage savings. Everyone need savings in this generation. They saved money for the future needs which help in our education and in other events.

Types of insurance 

1) Health insurance 

Health insurance are types of insurance that helps to cover the expenses done by the medical care.
We should always done our health insurance policy because no one knows when their health will be affected by the surroundings as we all know that the pollution level is increases and it also affect the human health.

2) Property insurance 

Property insurance gives you financial coverage against damage caused to your private property due to fire, earthquake and many other casualties.
If you have many properties then you have to done your insurance as it help to give you financial support if any unfortunate things happen to your properties.

3) Travel insurance 

This insurance covers the costs and losses which are incurred while traveling.
Facts – 36 percentage of Americans say they’re more likely to purchase travel insurance for trips abroad following the COVID-19 pandemic while 34 percentage said they’re more likely to do so for domestic trips.

What are the top 10 Types of Digital Marketing?

Every marketing plan today includes a digital strategy. This is because marketing goals usually put a focus on how the business can reach more potential customers, retain existing customers, and increase sales. And today, your customers are online. Digital marketing has become one of the most effective ways to communicate because you can connect with your custom

ers in their preferred channels

So, what are some things that can improve a site’s SEO? It’s important to understand that one of the things that makes SEO challenging is that the answer to this question always depends on Google and its most current algorithm. Keeping that in mind, here are a few of the most important things for SEO strategists and marketers in general to understand about how SEO works today, from Moz’s Beginners Guide to SEO:Content indexing – It is important to allow search engines to clearly “read” what your site content is, by doing things like adding alt text for images and text transcripts for video and audio content.

Good SEO practices

Good link structure – It is important that search engines can “crawl” your site structure to easily find all the content on your site. There are many things that an SEO specialist can do to properly format links, URLs, and sitemaps to make them most accessible to site crawlers.
Keywords and keyword targeting – Properly deploying your keywords – i.e. the search terms you want your site to be found for—in your content and headers is one of the fundamental building blocks of SEO. It is no longer good practice to “stuff” your content with as many keywords and keyword variations as possible. Writing high-quality content that uses keywords in the headers and a few times in the crawl-able page content is now considered better practice, and will make pages rank better in search results.

But the broad range of digital marketing options can make it overwhelming to know where to focus. Organizations that want to set themselves apart in the market understand that effectively reaching and engaging with potential customers matters most. This means using creative ways to connect with the right people in the right place and delivering a compelling message that helps them decide if a product might meet their needs.

What is a digital marketing plan?

A digital marketing plan is a document that defines marketing goals to be accomplished within a given time frame so a company can meet a set of business objectives. When creating a digital marketing plan, it is important to remember that marketing is still about communicating the benefits of your product or service in a way that resonates with customers. So your plan should focus on the marketing tactics that will help your company engage your target audience with a cohesive experience.

One of the benefits of digital marketing is that you can test different approaches and quickly adjust your plan based on what is working and what is not. There are many different areas that often get umbrellaed under the term “digital marketing.” From marketing automation and research to tactical activities such as pay-per-click ads, there are many different components to a digital marketing plan.

Components of a digital marketing plan

Advertising

Online advertising involves bidding and buying relevant ad units on third-party sites, such as display ads on blogs, forums, and other relevant websites. Types of ads include images, text, pop-ups, banners, and video. Retargeting is an important aspect of online advertising. Retargeting requires code that adds an anonymous browser cookie to track new visitors to your site. Then, as that visitor goes to other sites, you can serve them ads for your product or service. This focuses your advertising efforts on people who have already shown interest in your company.

Content marketing

Content marketing is an important strategy for attracting potential customers. Publishing a regular cadence of high-quality, relevant content online will help establish thought leadership. It can educate target customers about the problems your product can help them resolve, as well as boost SEO rankings. Content can include blog posts, case studies, whitepapers, and other materials that provide value to your target audience. These digital content assets can then be used to acquire customers through organic and paid efforts.

Email marketing

Email is a direct marketing method that involves sending promotional messages to a segmented group of prospects or customers. Email marketing continues to be an effective approach for sending personalized messages that target customers’ needs and interests. It is most popular for e-commerce business as a way of staying top of mind for consumers.

Mobile marketing

Mobile marketing is the promotion of products or services specifically via mobile phones and devices. This includes mobile advertising through text messages or advertising in downloaded apps. However, a comprehensive mobile marketing approach also includes optimizing websites, landing pages, emails, and content for an optimal experience on mobile devices.

Paid search increases search engine visibility by allowing companies to bid for certain keywords and purchase advertising space in the search engine results. Ads are only shown to users who are actively searching for the keywords you have selected. There are two main types of paid search advertising — pay per click (PPC) and cost per mille (CPM). With PPC, you only pay when someone clicks on your ad. With CPM, you pay based on the number of impressions. Google Adwords is the most widely used paid search advertising platform; however, other search engines like Bing also have paid programs.

Programmatic advertising

Programmatic advertising is an automated way of bidding for digital advertising. Each time someone visits a web page, profile data is used to auction the ad impression to competing advertisers. Programmatic advertising provides greater control over what sites your advertisements are displayed on and who is seeing them so you can better target your campaigns.

Reputation marketing

Reputation marketing focuses on gathering and promoting positive online reviews. Reading online reviews can influence customer buying decisions and is an important component of your overall brand and product reputation. An online reputation marketing strategy encourages customers to leave positive reviews on sites where potential customers search for reviews. Many of these review sites also offer native advertising that allows companies to place ads on competitor profiles.

Search engine optimization

Search engine optimization (SEO) focuses on improving organic traffic to your website. SEO activities encompass technical and creative tactics to improve rankings and increase awareness in search engines. The most widely used search engines include Google, Bing, and Yahoo. Digital marketing managers focus on optimizing levers — such as keywords, crosslinks, backlinks, and original content — to maintain a strong ranking.

Social media marketing

Social media marketing is a key component of digital marketing. Platforms such as Facebook, Twitter, Pinterest, Instagram, Tumblr, LinkedIn, and even YouTube provide digital marketing managers with paid opportunities to reach and interact with potential customers. Digital marketing campaigns often combine organic efforts with sponsored content and paid advertising promotions on key social media channels to reach a larger audience and increase brand lift.

Video marketing

Video marketing enables companies to connect with customers in a more visually engaging and interactive way. You can showcase product launches, events, and special announcements, as well as provide educational content and testimonies. YouTube and Vimeo are the most commonly used platforms for sharing and advertising videos. Pre-roll ads (which are shown for the first 5–10 seconds before a video) are another way digital marketing managers can reach audiences on video platforms.

Web analytics

Analytics allow marketing managers to track online user activity. Capturing and analyzing this data is foundational to digital marketing because it gives companies insights into online customer behavior and their preferences. The most widely used tool for analyzing website traffic is Google Analytics, however other tools include Adobe Analytics, Coremetrics, Crazy Egg, and more.

Webinars

Webinars are virtual events that allow companies to interact with potential and existing customers no matter where they are located. Webinars are an effective way to present relevant content — such as a product demonstration or seminar — to a targeted audience in real time. Engaging directly with your audience in this way gives your company an opportunity to demonstrate deep subject matter expertise. Many companies leverage attendee lists in other marketing programs (email and retargeting advertisements) to generate new leads and strengthen existing relationships.

How to create a digital marketing plan

Digital marketing methods provide a wide variety of ways for marketing managers to engage potential customers. However, it is important to invest in the channels and media that help you acquire, grow, and retain customers.

The following questions can help marketing teams understand the right digital activities to pursue:

  • What are your business and marketing goals?

  • What is your digital marketing budget?

  • Who are your target customers?

  • Can you describe your audience with discrete buyer personas?

  • Which online channels does your audience use?

  • What customer outcomes do you want to achieve?

  • What benefits are you going to promote?

  • What alternative solutions are your potential customers selecting?

  • What change is needed to improve the customer experience?

  • How would digital marketing methods improve the experience?

  • What data does your company need to better understand customer behavior and preferences?

  • How will success be measured?

  • Who do you need to share your plan with?

what is bank loan and its types?

what is a bank loan and its types?

what is a loan? A loan is a sum of money that an individual borrows or received from his sources as it can be his friend, relative, bank, or any financial institution which he needs to repay in the future along with interest, charging on the principal amount. when a loan is given it creates fear in the mind of the lender as might in the future the recipient will not be able to pay the money back so what he will do? so he secures himself by keeping some asset of the recipient in form of security it can be anything like property, shares, land, etc.


when a loan is given then the recipient and lender must have agreed upon the terms and conditions of the agreement before joining hands otherwise it will create disturbance in the future now it has become a legal matter so one needs to be very careful while choosing the path of bringing loan for diminishing financial problems like whether I will be able to pay the installment or not? will I be able to pay the principal amount along with its interest? as it is not everyone’s cup of tea to have it.


Advantages of Bank loan 

  • Retain profit: 

it helps in retaining profit for an org as when it raises money through shares or equity then it needs to share its profit among all investing parties which decrease its own profit but in the case of the bank you just need to give interest, no profit is shared.

  • tax saving: 

when an org takes a loan from a bank it doesn’t need to pay tax by the inclusion of it as it is considered a tax-deductible item so it saves the profits of an org and saves them from tax.

  • cheapest interest rates: 

it is quite a cheaper source of income compared with overdraft and credit cards.

  • flexibility: 

loan provides flexibility in repaying the amount as you can pay according to your convenience as long as the installments are regular and timely but in consumer credit cards, there is a limit beyond which you can’t go.


Disadvantages of bank loan

  • difficulty in financing: 

As when an org takes a big amount of finance from a bank then the bank demands collateral security on which they provide the loan but the new business finds it difficult to perform its operations based upon a bank loan.

  • irregularity in payment: 

when there is a long-duration loan taken then its interest charges differ monthly which creates variations in payment so it diminished the interest of the individual in considering it as a source of income.

types of loans:

various kinds of loans are being offered by the banks to an individual which is categorized into three ways.

1: Secured and unsecured loans:-  

As it is being cleared from name secured which means when an individual takes a loan from a bank then it demands some kind of collateral security for securing its money to recover the amount in the future if that person does not pay. the assets which an individual can keep in form of security include any stocks, bonds, personal property papers, etc.

 some common features of secured loans are timely payment foundation, lower interest rates long repaying time duration, and harsh borrowing limits for instance mortgage, and auto loan comes under this kind of loan category.


on the contrary unsecured loans do not own any kind of collateral security, it is just being offered as per the client’s status, repaying capacity, or track record of his previous transaction which helps the bank to decide whether to award the loan or not to that person.


2: Open-End  and closed -End loans: 

open-end loans are those loan in which an individual has the liberty to borrow money, again and again, credits cards is a perfect example of this although they also have some credit restriction it is up to that individual whether he wants to spend his whole money or some chuck of it on the other hand with close-end loans, the individual can not borrow again until he has not repaid his previous one but if he wants more money then he needs to apply for a new loan from scratch.


3 conventional loans:

it is that type of loan which is in the form of a mortgage as it is not being issued by the government agencies.


things to remember while considering a bank loan:

  • when a person demands a loan then his credit score should be good as it shows his ability to repay the amount if a person has a good credit score he has a higher chance of approving his loans by the bank because it gives an idea to a bank about that professional payment habits.
  • when a person is thinking of a loan then he should analyze his income as he needs to submit his documents like his salary letter, and in the case of a self-employed person, he needs to give the tax return for his last two years so he should see his payment capacity before deciding anything.
  • before applying for a loan an individual should check his monthly obligation as he needs to manage it along with his installment so be careful unless it will be difficult to handle in the future.

















Loan and its Type

 Loan and its Type

A loan is an amount of money that any individual or company borrows from banks or another financial institute for their financial work. It is money, property, or another kind of thing given to another person in exchange for repayment of a loan in the future with interest. It includes two parties, the lender- who gives a loan, and the borrower- who takes a loan. The lender can be any corporation, financial institution, or government. This process of exchanging money includes a written agreement with the exchange of terms and conditions about interest, financial charges, repayment date, collateral, etc., between two parties.

Process of loan

When someone needs money, then they can apply for a loan from a bank, government, or corporation. The borrower is required to provide some information like the reason for the loan, their financial history, and other important information. The lender reviews the information to check if the borrower is eligible to get the loan and see if the loan can be paid back. After reviewing the information, the lander may approve the application for a loan or may be denied. If the loan is approved, they both sign an agreement regarding the loan to complete the process.

There are different types of a loan based on two factors and one can apply for any loan according to their requirements:

1. Secured loan

 It is a type of loan which required collateral, where you have to provide security of the money you are borrowing to the lender. If you cannot repay the loan the lender has some means to get the money back.

2. Unsecured loan

 It is a type of loan which doesn’t require collateral. The lender gives money based on your credit score and history. But this loan has a high-interest rate than a secured loan due to a lack of collateral.

  • Types of Secured loans

S. No

Types of loan

Specification

       1.

Home loan

The is taken to buy or build the home.

There are different types of home loans:

Land purchase loan, home construction loan, home loan balance transfer, Top up loan

       2.

Loan against Property

This is taken to against any residential, commercial, or industrial property. The amount of the loan is based on the value of the property. This loan can be used to satisfy personal goals and business expansions.

       3.

Gold loan

You can get the loan by pledging gold jewellery as collateral. This loan is generally used for short-term needs.

        4.

Loan against fixed deposit

You can get the loan on your fixed deposit. The amount of the loan depends on the value of fixed deposit or may depend on the lender.


  • Types of Unsecured loans

S. No

Types of loan

Specification

1     1.

Personal loan

This loan is used for personal use. This loan offers instant liquidity but it has a higher interest rate due to insecurity. Your good credit score and secured income help you to get this loan.

        2.

Short-term Business loan

This loan is can be used to fulfil various expansions of the organization.

        3.

Educational loan

This loan is useful if someone wants to aspire for higher education from a reputed institution. In this loan, the student is the primary borrower, and the parents or spouse are co-applicants. The amount of the loan can be repaid after completion of the course.

        4.

Vehicle loan

This loan is helpful to buy your dream vehicle. Your financial history plays a great role in determining the amount of the loan.

Thus, Loan can be beneficial to maintain you expenses only if you can repay and use it in correct manner.

7 Search Engine Optimization Tips For Bloggers

 SEO, as you might have already know, is an acronym for search engine optimization. In the simplest of words, it’s the way search engines like Google.com, Yahoo.com, Bing.com and others present your page in users’ search results on their sites.

Cool, how do they that?

Well, they do that via sophisticated software tools, called spiders. Consider the whole internet as an empty room, with air particles as websites. Now sneak a spider into that room. Each tiny step that this spider would take now is essentially crawling a website (as the room is dark and full of websites). This is how search engines crawl through the web picking up site after site, studying them and ranking them. This ranking is important, really important. A higher ranked website by Google will always be on the first page of Google’s search results for a related query compared to a lower ranked one.

So, in order to get ranked higher, you and I need SEO. SEO is like black pepper without which fried egg might not taste ‘that’ tastier. In simple words, in order for search engines to find your site and rank it higher than others in your field, you need to optimize it. Let’s see how with these 7 simple tips.

Ways to SEO Optimize your Blog

Before starting with our 7 simple tips for a quality SEO, it’s important to broadly classify those tips into two basic areas, on the basis of origin:

On-page Optimization

Refers to optimization of your actual web content including your HTML code, your text, as well as graphic content.

Off-page optimization

Off-page optimization, however, deals with things like backlinks (hyperlinks pointing to you site from other websites, apps and networks).

1. Create SEO Friendly Blog Post Titles

Post titles are important for SEO. They really are since they are deal makers or breakers. Whenever you write something, make sure you give proper attention to the post’s title. Make your titles simple, intriguing, descriptive and gullible so that people may know what is this all about and what to expect. An even better approach is to wear searchers shoes while giving a title and think how would you Google it if you were looking for content like this.

google search results, seo titleAlso, don’t forget to include keywords in your title and keep it under 70 characters (or search engines would crop it before looking).

2. Improve the quality of your content

If you think ‘content’ isn’t important for SEO, think again! Your content is the most important part of your site. While writing, don’t copy-paste from elsewhere, don’t stuff it with keywords alone, don’t bombard it with images and multimedia files and don’t write any lesser than 300 words. These all would affect your ratings quite poorly.

So, write original, use keywords in scenarios instead of straying them around (like I didn’t use SEO here, SEO there in every next line), use images where they suffice and make sure you name them properly to appear in image search results, i.e. an image with the “img009.jpg” name would never appear in the image search results but “tips_to_success.jpg” would. The best would be to use text content and wrap them proper in HTML tags like

etc. (search engines likes content this way). Also, make sure your blog post’s length is somewhere between 300-500 words – crossing over is fine but lesser isn’t.

seo title headings

3. Keywords are keys

Keywords are terms that others may use to search for your content. While keywords are important for SEO, don’t go on and stuff your site with keywords. This would make your content appear like a spam to spiders, who would neglect it henceforth.

Ideal is that once you have chosen your title (and included your keyword in it, as I have added keyword SEO in title above), use it in page URL, in your starting and ending paragraphs, as well as in article body where required without sounding awkward. Additionally, you may link it using anchor text to relevant resources in and out of site.

Adding keyword in the post URL using Custom Permalink

4. Meta-tags are important, but not ‘that’ much

If we had been living in early part of 21st century, meta tags might have done all the SEO for your site. Unluckily, we aren’t. Google and other search engines have long left using meta-tags for finding site information. Hence, if someone tells you meta-tagging is all you need for your sites SEO, tell them it isn’t.

Nevertheless, it’s important that you use your keywords in your meta-data. Some themes already do that for you, if they don’t (you can check that using page source or using view source code from browser), don’t sweat. You can use 3rd party plugins like All in One SEO Pack and Scribe.

5. Socialize!

Make others talk about your site and share your content on social media sites or their blogs. It gets even better if somehow sites with high ratings link back to your site. This makes spiders think that you are someone important that everyone these days is talking about, resulting in enhancing your ratings dramatically.

Guest posting is another good approach for that. Comment on other sites, make friends with bloggers (best in business) and make them comment at yours. These tiny little things do matter a lot, resulting in enhanced SEO of your site.

6. Link in and Link-Out

Hyperlinks or Links are important from SEO perspective. You can use them to:

Link out to other sites, networks and posts, or even to your previous posts (also called inbound or backlinks) using anchor element with keyword.

anchor element with keyword

Or even better, make others to link in to you, via sharing your content on their sites or social media networks.

As mentioned, an even outstanding strategy for building links is guest posting.

7. Write Often

Sites with new content every day, or twice thrice a week have still far better ratings than those who post every fortnight. A better incoming content frequency makes spider come to your site regularly, resulting in better ratings and enhanced SEO.

Are we done then? Well, trust me – your sites rating is in your hands, not in Google or Yahoo. SEO is just about doing things neatly and in a sophisticated manner. Walk your site these 7 steps for a quality SEO and you will witness the difference yourself at Google, if no place else.

Remember, code clean, write original, socialize… this is what SEO is all about!

What is Startup India Seed Fund Scheme (SISFS)

Overview of Startup India Seed Fund Operation
The scheme aims to provide startups with financial assistance at their early stages such as proof of concept, prototyping, product trials, market entry and commercialization.

Once a startup gets access to capital at the early stage, it improves the potential for the enterprise to scale to a level where funding can be sought from angel investors, venture capital firms, Banks and other financial institutions.
Process of the SISFS
Department for Promotion of Industry and Internal Trade (DPIIT) has created an Experts Advisory Committee (EAC) to execute and monitor the Startup India Seed Fund Scheme. The EAC will select eligible incubators who will be provided grants of upto Rs 5 Crores each. In turn, the selected incubators will provide startups with up to Rs 20 lakhs for validation of Proof of Concept, prototype development, product trials to startups.
Moreover, up to Rs 50 lakhs shall be provided to the startups for market entry, commercialization, or scaling up through convertible debentures or debt-linked instruments. Detailed guidelines of the Startup India Seed Fund Scheme are available on the Startup India portal.
It is anticipated that the startups that receive support at their early stages shall create significant employment opportunities for everyone.

Key points of the SISFS
  • ~3600 Startups expected to benefit from SISFS
  • ~300 Virtual Incubators to be promoted for supporting startups
  • INR 945 crore corpus divided over 4 years, starting FY2021-22, to be disbursed through eligible incubators
  • Year-round ‘Call for Applications’ for Incubators and Startups
  • Sector-agnostic
  • No mandatory physical incubation
  • PAN-India startup programme
  • Startups can apply to 3 incubators simultaneously

RELATED LINKS

Best Ideas for Starting Manufacturing Business

No matter what anybody tells you, words and ideas can change the world.” So that is what I bring to you today- A curated list of manufacturing business ideas under 10 Lakhs in India to choose and experiment from.
See, the fact is – the business world and its ways are reforming. And in 2021, you do not need to be another Larsen & Toubro or another Jindal steel to make a difference; you just have to be – well, you!
Entrepreneurship in manufacturing business might seem to be a fancy venture where you can dabble your way to success and earn millions and live happily ever after. But let me burst the bubble and tell you – the truth cannot be any further. It requires plans, strategies, skills, expertise, a supportive team, and most importantly – honest efforts to make a dent.
If it’s your first time, this will help.
Here are 20 manufacturing business ideas in India to start in 2021:
1) Handmade Organic & Exotic Soaps
With more and more people opting for chemical-free alternatives, it is the perfect time to dive into the hand-made organic soap business.
You need to make an initial investment of INR 1.5 – 2 lakhs and can expect pretty exciting returns. Another favourable fact is – you won’t have a hard time convincing prospects.
Why? Because people are already switching to an organic lifestyle. Check out SoulPure, a Bangalore-based startup that produces not only skin-friendly but also environmental-friendly soaps, for more inspiration.
2) Fashion Jewellery
This is one of the most profitable manufacturing business ideas under 10 Lakhs in India.
What makes it profitable? Rather than hoarding on gold and diamond, modern-day women now buy jewellery that is light and pleasant and wears it to work, events, and celebrations. And fashion jewellery serves the purpose well.
These days jewellery brands leverage e-commerce and social media – Instagram and Facebook pages, for marketing. Secret tip – Influencer marketing is a great way for such brands to gain traction.
For clarity, study about Pipa+bella, brain-child of Suchi Pandya, a thriving Mumbai-based jewellery business.
3) Women’s Footwear
The world is evolving and so are the choices. Women are actively seeking home-grown brands and are more than willing to try new and unique styles.
The demand for businesses that manufacture non-leather, cruelty-free, fashionable yet comfortable footwear for women is on the rise. And this is the best time to take the leap.
Here, again, social media marketing proves to be fruitful – you can start with your website/blog/page. Know more from those who are already leveraging the industry – Devika Srimal’s Kanabis, a Delhi-based footwear business and Chondamma Cariappa’s The Sole Sisters.
Interesting story – Chondamma started a Facebook album named ‘Fetish’ where she would post pictures of shoes from various parts of the world that she came across while travelling.
The album turned into a blog, ‘The Sole Sisters’, and the response she received pushed her to start the footwear label.
4) Eco-friendly cutlery and kitchen items
The common denominator in all successful manufacturing businesses under 10 Lakhs in India is that they all make their customers’ lives easy. Eco-friendly cutlery is another growing business that does the same.
It not only saves us from the hassle of maintenance but also is the best possible alternative to plastics.
With our generation becoming more aware and environment-sensitive, there’ll be no dearth of customers in this business. The aesthetic appeal will serve as an added advantage.
For this, you’ll need to invest in cutlery making machines that will cost around INR 50,000. The best example I can think of is Narayana Peesapaty’s Hyderabad-based Bakeys that makes edible cutlery from nutritious food materials.
The company claims the cutlery contains no chemicals, additives, or preservatives. Bakeys claims the products have a long shelf life as they are moisture and fat-free.
5) Environment- friendly bags
This category encompasses Jute, canvas cloth, and paper bags that are sustainable alternatives to plastic ones. This is one business that will never fall short of customers because. Well, we are not going to stop using bags anytime soon!
Paper bags and envelopes are in high demand with large supermarkets, pharmacies and other retailers. Its raw material is inexpensive and available in abundance.
The use of biodegradable and reusable “golden fibre” is also at a high. And its manufacturing process is also simple. These kinds of bags serve multiple purposes.
The canvas cloth bags, on the other hand, are used by college-going students which again make them rich in demand. EcoAd is doing a great job in this context.
The paper bag making startup says – “We target the elimination of polyethene from our culture and society. Every day we are getting closer to it. Closer we go more we realise the magnitude of this issue.”
6) Smartphone accessories
Out of the many manufacturing business ideas under 10 Lakhs in India, this one is obvious. With smartphones, we carry our world in our pockets, quite literally.
There’s no if and but about its demand – and the same goes with its accessories. Anyone who uses smartphones will need tempered glass, phone cases/covers, selfie sticks, and other accessories as well.
This makes the business high in terms of profit. Speaking of investment, the low capacity tempered glass making machines cost around Rs 75,000 while high capacity ones cost over Rs 1.5 lakh.
One inspiring story is that of Chirag Demla and Pawan Demla’s CellBell. It’s an eCommerce platform for mobile accessories – Selfie sticks, headphones, cables, screen glass, and covers that started with an initial investment of 7 lakhs.
Recently, CellBell was selected by Amazon as a ‘strategic account’ due to its consistent sales performance and was the single brand account to achieve a sales target of over Rs 12 crore.
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7) Personal care range
In today’s day and age, people are more than willing to splurge in natural/organic personal care products. The reason is simple – awareness.
The products range from facewash, face creams, lotions to lip balms and scrubs. You can choose a single product or an entire range to start your business. The returns are great and sure to come.
One such home-grown brand is Shabia Walia’s Mumbai-based Wild Earth. It offers natural beauty products free from sulphates and parabens.
Started with a single product, she then went on to launch her own company. It today has 17 categories of products for hair and skincare that recorded an annual turnover of Rs 1.23 crore.
8) Recyclable apparels
What if I tell you heaps of waste can build you an empire? Well, not an empire, but definitely a start-up. You can recycle waste or used clothes to produce edgy apparels out of it.
Sounds innovative? It is, and start-ups are leveraging it already. A unique idea backed by innovative marketing can turn this business into a goldmine.
One such inspiration is RawPressery, a Mumbai-based food and beverage startup that has started an eco-friendly initiative called RawCycle. “The used beverage bottles are first washed and chopped into flakes.
These are then melted and converted to chips before extruding the same into yarn. The yarn is woven into a fabric, stitched and dyed to make t-shirts,” Raw Pressery told YourStory.
9) Indian handicraft items
Thinking of starting a social startup? Here’s an idea! Indian handicraft items are high in demand and bridge the gap between artisans and customers.
You can start this manufacturing business with low investment, and there’s much more than monetary benefits you’ll earn in return.
One such story is that of Ahmedabad-based Gaatha. They use recyclable materials such as bamboo, wood, leather, fibre, and even urban waste to produce clothes, jewellery, paintings, and stationery. The products are crafted by artisans of Gujarat, Rajasthan, Madhya Pradesh, and Kashmir.
10) Handmade candles
We are a generation that strongly believes in the power of aesthetics. And that makes handmade candles a high in-demand product.
In recent years, there’s been an inclination towards scented and therapeutic ones – found in restaurants, households, and hotels, spas, and spiritual places. With an initial investment of INR 20,000 to 30,000, you can expect great returns, especially in the festive season.
11) Homemade chocolates/cookies
Let’s face the fact – Indian have a sweet tooth! And we are always looking for new and refreshing flavours. If you think you can serve pure delight on a platter, then this manufacturing business is for you.
The best part? It requires an initial investment of less than INR 50,000. Also, you’ll have a wider target market to cater to as this is one product that will tickle the taste buds of children and adults both.
12) Garden Landscaping
There are multiple backyard/ garden landscaping ideas available online. All you need to do is come up with something similar at your place and for which you won’t need to shell out a fortune as well.
For there are a number of flea markets and recycled goods stores present in major cities. You can also upcycle old furniture to come up with mix and match styles of decor. Once you’re done posing across the newly landscaped backyard or garden of yours, just post it online for marketing it across. And don’t go anywhere but your existing social media handles to showcase your work. When you’ve successfully created a buzz around your newly acquired skills, it will be time to cash things in by taking up projects.
13) Pickle-Making
All you need for kick-starting a pickle business in India is the right workforce. Once you set your hands upon the right people to deliver the utmost, authentic taste, this venture hardly needs any more investment. Pickle making, packaging and delivery has been one of the most underrated manufacturing businesses under 10 Lakhs in India with low starter investment.
14) Dairy Production
Go local is the sentiment echoed by many when it comes to consumption of dairy products in both urban and rural areas. Dairy production does require low capital investment but the legal and compliance framework of this business can be a tough job.
Cattle and feed legal requirements are strict and tasking. Although known as the business for all seasons in India, dairy production can be an exhausting endeavour.
Other than these 14 sought-after manufacturing businesses under 10 Lakhs in India, there are several more to sample from:
15) Home-Made Ice-cream manufacturing
16) Home-Made Jams
17) Home-Made Rakhis
18) Paper Egg Tray Making Business
19) Envelope & File Manufacturing
20) Hand-Made Paper & Personalized Gift Wrappers Making