Taking a personal loan is a simpler and convenient way to borrow money. Being an unsecured finance mode, it doesn’t require you to pledge assets to qualify for loan approval. You can enjoy fully personalised offerings that can be easily availed within a short span. Online applications and disbursals also assure that the money is available to you to meet any impending exigencies. Personal loans can be utilised to pay for a wedding, consolidate credit card debt or fund a home improvement project.

But there are several intricacies to taking a loan that isn’t immediately obvious, like ensuring that there are zero errors in your credit reports or choosing the right loan tenure.

Here are some helpful dos and don’ts when applying for a personal loan:

Do’s Before Taking a Personal Loan

• Check the Lender’s Eligibility Criteria

Before applying for Fullerton India personal loans, you should first verify the eligibility criteria specific to the lender. Failing to do so can make you overlook the basic requirements needed to be eligible for the loan. It can result in rejections as lenders are often quite strict with their policies. Rejection in this instance can adversely affect your CIBIL score, so it is necessary to check the terms. Some of the standard criteria are based on your employment status, age, and monthly income.

• Figure Out the Loan Amount That you Need

It is essential to know exactly the amount you need before applying for a personal loan. It is suggested to borrow only as much as you truly need, even if you are eligible for a higher sanction.

• Shop for the Lowest Interest Rates

Before you settle on a personal loan, make sure to look around and compare interest rates offered by various lenders. Even a little difference in interest rates can save you a lot over the tenure of your loan. The interest rates for Fullerton India personal loans are quite affordable, starting at 11.99% per annum. You can easily avail a personal loan from them and repay it through affordable EMIs.

• Read the Fine Print

It is vital to thoroughly read the fine print, once you make up your mind about a personal loan. Remember to read up on crucial details such as maximum loan tenure, required repayment schedule, and how long it might take to get loan approval. Thus, it is in your best interest to thoroughly read the fine print before applying for the loan.

• Fetch your Credit Report before Applying for the Loan

Your creditworthiness is monitored through the credit report while evaluating your loan application. Usually, borrowers with a CIBIL score of 750 and above have greater loan approval chances at a lower interest rate than those with a lower CIBIL score. So, it’s essential to maintain a good credit score for easy approvals. You can even fetch your credit report before making the loan application to take corrective measures to improve your credit score. It will also help you recognise any incorrect information or casual errors.

• Opt for a Loan Tenure Based on your Repayment Capacity

Loan tenure plays a key role in determining your total amount for monthly installments. Ideally, selection for loan tenure must be based on your repayment capability. Remember, shorter loan tenures result in higher EMIs and lower interest costs and vice versa. Therefore, you should opt for a shorter loan tenure only if you can pay your EMIs on time without stressing over your monthly budget. In case you cannot, select a longer loan tenure for lower EMIs.

Don’ts Before Taking a Personal Loan

• Don’t use Personal Loans for non-essential Spending

While personal loans are popular because of the associated perks and comparatively low-interest rates, don’t just avail one out because you can. Avoid getting a personal loan without any urgent requirements or to fund your excesses. Also, try to get a sense of your financial habits and spending pattern before applying for a personal loan. While it can help you meet your needs during a financial emergency, it requires a monetary commitment and the discipline of regular repayments.

• Don’t Apply without Calculating your Required Credit Amount

It is essential to consider the impending expenses and calculate the required loan amount before applying for a personal loan. It helps you avoid borrowing more than needed and hence, pile up on your monthly financial stress.

• Don’t Skip Loan Repayments

If you skip loan repayments, it will certainly have an adverse effect on your credit score. With a low credit score, it might become complicated to avail other crucial loans in the future. Before availing a personal loan, use a personal loan calculator to understand your expected monthly repayment cycle. Analyse if you will be able to afford these repayments every month. If not, consider lengthening your loan tenure or decreasing your loan amount.

Conclusion

Keeping in mind the pointers mentioned above will help you successfully apply and procure a personal loan from a reliable lender in the market and further enhance your creditworthiness.

The post Dos And Don’ts To Know Before Taking A Personal Loan appeared first on RVCJ Media.

Gardens are a staple in millions of backyards around the world. This is especially true in recent months as gardening is growing incredibly popular. Unfortunately, many people only have space for a small garden and can’t build the large and lush garden they may have wanted.

However, just because you have a small space for a garden doesn’t mean it can’t be stunning. One of the best things you can do to help your small garden measure up is to include a tiny pond. This can look incredible and be the perfect accent to your vegetable or flower garden.

This article is going to look at just how you can easily build a tiny pond in your small garden and what the process entails.

Get the Right Gear

One of the first things to do before building a pond in or around your garden is to get the right gear. In order to have a pond that functions well, there are several pieces of equipment you will need. You will need pumps, filtration, aeration and potentially several other things.

In addition to these requirements, there are also other things you may want. This includes lights, water treatments, fountains and waterfalls. The good news is, you can find all of this and more on aquatic ponds, so you won’t have to search long and wide for the gear you need to help your pond look great and function well.

Find the Right Spot and Size

Of course, you also need to have a plan for your pond. You should go over the size of the pond, where it should be placed and how you want it to look in the end. These plans should be drawn out or conceptualized and some time should be taken to ensure they are viable.

If you just attempt to build it without some sort of idea on the placement or size, it can end up being a massive mistake. While many decide to put their pond next to their garden, feel free to get creative if you so choose.

For example, some would rather have their pond be in the middle, while they have a small circular garden surrounding it. There is no right or wrong choice here, as long as you like the design and it fits in the space you have.

Create the Pond of Your Dreams

Once you have the equipment, gear and plans all laid out, it is time to get to work. While you can reach out to professionals to help you build your pond, it is also something you can do alone if you’re up for it. All you need to do is dig a hole the right size, line the hole, add your equipment and fill it with water.

Once the pond is built it will truly capture the eyes and attention of anyone who steps foot into your yard. In addition to improving the look of the space, a pond can also be home to several different types of plants and wildlife.

If you only have a small space for your garden but want to take it to the next level, there are few better ways to do this than to add a tiny pond.

The post Small Space For A Garden? A Tiny Pond Will Do A Job! appeared first on RVCJ Media.

The England cricket team is facing difficulty in saving the second test match as they have already lost their 3 wickets at the score of 53 at the end of the day 3 and they still have to score 429 runs for winning the match. After the dismal performance of the England cricket team in the first innings, many former England cricketers started saying that the pitch of the second test match is not a good one. Recently the former Aussie cricketer Shane Warne has slammed Michael Vaughan for speaking against the pitch and now the former Indian cricketer Sunil Gavaskar has also jumped into the bandwagon and slammed all those who are calling the pitch not a good one.

While the Indian team scored 329 runs in their first innings with the help of Rohit Sharma’s century and half centuries of Ajinkya Rahane and Rishabh Pant, the England team managed only 134 runs in their first innings. Few former England cricketers called the pitch as dustbowl and rank turner as the pitch had a lot for the spinner from the day one. Although the England spinners were not able to take the benefit of the pitch, the Indian spinners performed superb and lead wicket taker was Ravichandran Ashwin who took five wicket haul 29^th time in his career.

Sunil Gavaskar gets involved in a debate with the former English cricketer Mark Boucher on this topic. He said that we all saw Rohit Sharma scoring more than 150 and then with a sarcastic touch, he added that the criticism of the pitch was pretty warranted. He further says that nobody complains when there are seaming pitches in England or such pitches are made where cows can come and graze but when the ball starts to turn on the Indian pitches, it is then people have a problem.

The legendary cricketer went on to say that in the first test match when nothing happened for two days, people were complaining that it was boring and when it is turning from day one in the second test match, they still have a problem, you can’t complain all the time.

Sunil Gavaskar states that the pitch is not unplayable, it is challenging and cricket should be like this only. He adds that rather than on pitch, debate should be on whether the English spinners are not so good as the Indian spinners or who is better in terms of technique when it comes to batting or who is more skillful as a bowler.

Sunil Gavaskar also gives some funny moments while commentary; when Murali Kartik says that Stuart Broad has been brought into attack, Sunil Gavaskar takes a jibe at the England team by asking whether he is also playing the match. When India crossed the 134 mark in the second innings, Sunil Gavaskar said that India has left behind England’s first innings score, this means the pitch is not so bad for batting, either the England spinners were not able to take benefit of it or the Indian spinners have bowled superb.

This is epic trolling by the former Indian cricketer, agree?

The post “Pitch Is Not Unplayable, You Can’t Complain All The Time,” Sunil Gavaskar Trolls England Team appeared first on RVCJ Media.

Virat Kohli, the skipper of the Indian cricket team, is undoubtedly one of the best cricketers of the present times and one reason for his success is that he loves what he does. Many times we have witnessed Virat Kohli acting in an energetic manner on the field and he knows how to increase the excitement of the crowd.

Usually, not many people come to watch test cricket match but as it was Sunday yesterday and the local boy Ravichandran Ashwin is also a part of the squad and bowled pretty well, the public came in good numbers in Chepauk stadium. During the match, Virat Kohli got involved with the crowd as he asked them to “Whistle Podu”. Soon the crowd responded and when Kohli asked them to increase the volume and signaled that he is not able to listen, the crowd raised their voices and created an amazing atmosphere.

Here you can watch the video:

When in Chennai, you #WhistlePodu! #TeamIndia skipper @imVkohli egging the Chepauk crowd on & they do not disappoint. @Paytm #INDvENG

Follow the match https://t.co/Hr7Zk2kjNC pic.twitter.com/JR6BfvRqtZ

— BCCI (@BCCI) February 14, 2021

Click to watch this video directly on Twitter

As far as the match is concerned, India is in a very strong position as England has already lost their 3 wickets for 53 runs and they still have to score 429 runs to win and game for two days is still remaining.

While the former England cricketers are complaining about the pitch, the Indian batsmen are showing them how to bat on this pitch. While Rohit Sharma, Ajinkya Rahane and Rishabh Pant batted well in the first innings, Virat Kohli and Ravichandran Ashwin batted brilliantly in the second innings. R Ashwin scored a century in the second innings and he also took 5 wickets in England’s first innings. What’s more, a lot is being expected from him in the second innings of England as the pitch is very supportive towards the spinners.

The England team is already leading in the four match test series by 1-0 and if India wins this match, the series will be leveled.

The post Virat Kohli Asks The Chennai Crowd To ‘Whistle Podu’ During 2nd Test, Gets A Superb Response appeared first on RVCJ Media.

The former English cricketer Michael Vaughan knows how to remain in limelight and he has no hesitation in speaking his heart out on the various issues related to cricket despite knowing that the chances of him getting trolled are always pretty high.

After the England cricket team got all out for just 134 runs in the first innings of the second test match against India at Chennai, Michael Vaughan took to Twitter and stated that the pitch of the second test match is not good. He went on to say that the Indian squad would have saved the first test match if they had batted in the same manner as they batted in the first innings of the second test match as in the first test match, the pitch didn’t turn for 2 days.

He tweeted, “It didn’t do anywhere near as much for 2 sessions … Spun but not like what it’s doing now… India would have drawn the first Test if they had batted anything like in the 1^st innings … This isn’t a good Test match pitch …”

It didn’t do anywhere near as much for 2 sessions … Spun but not like what it’s doing now … India would have drawn the first Test if they had batted anything like in the 1st innings … This isn’t a good Test match pitch … https://t.co/HhK6dYLiHm

— Michael Vaughan (@MichaelVaughan) February 14, 2021

This tweet didn’t go well with the Indian cricket fans and with the former Australian spinner Shane Warne as well. Warne responds to Vaughan by saying that the pitch has been the same for both the teams from day one and while the England bowlers didn’t bowl well, the Indian batsmen – Rohit Sharma, Ajinkya Rahane and Rishabh Pant showed how to bat on this pitch.

He also added that in the first test match, the ball started turning from day 3 and nobody talked about the pitch when the Indian team had no chance of winning the match. Warne had no problem in saying that India was far better than England in the second test match whether it was batting or bowling and conditions were also the same for both the teams.

Shane Warne’s tweet read, “Come on maaaaaate ! The last few days of the 1st test, the wicket started exploding & no one said a word about the pitch when India had no chance. At least this test it’s been the same for both teams from ball one. Eng bowled poorly & Rohit, Pant and Jinx showed how to bat.”

Come on maaaaaate ! The last few days of the 1st test, the wicket started exploding & no one said a word about the pitch when India had no chance. At least this test it’s been the same for both teams from ball one. Eng bowled poorly & Rohit, Pant and Jinx showed how to bat. https://t.co/lx31k7BqCl

— Shane Warne (@ShaneWarne) February 14, 2021

In the second tweet, Warne wrote, “There’s no diff between the ball seaming/spinning to much. We always want a fair contest between bat/ball. India have batted & bowled better than Eng in this match – simple. Conditions have been the same for both sides from ball one. But this is excessive & in favour of the ball.”

There’s no diff between the ball seaming/spinning to much. We always want a fair contest between bat/ball. India have batted & bowled better than Eng in this match – simple. Conditions have been the same for both sides from ball one. But this is excessive & in favour of the ball https://t.co/lx31k7BqCl

— Shane Warne (@ShaneWarne) February 14, 2021

As far as the match is concerned, India got all out for 286 in their second innings and they have given a huge target of 482 to the visitors. Ravichandran Ashwin is the highest scorer for team India as he has scored 106 runs and a lot is being expected from him as a bowler as well because he has taken 5 wickets in England’s first innings on the turning pitch of the Chennai stadium.

What is your take on Michael Vaughan’s statement about the pitch?

The post Michael Vaughan Says Chennai Pitch Isn’t Good For Test, Gets Blasted By Shane Warne appeared first on RVCJ Media.

The India-England second test match has reached a very interesting stage as India has taken a lead of 442 runs. Earlier the Indian cricket team posted a total of 329 runs in the first innings but the whole England team managed only 134 runs, thanks to the Indian bowlers who bowled superbly ensuring that their team got an upper hand in the match.

Ravichandran Ashwin has once again proved that he is one of the best spinners that a team can have in the present times as he sent five England batsmen back to the pavilion. The second day of the test match was quite special for the spinner as he not only took 5 wickets but also left behind the veteran Indian spinner Harbhajan Singh in terms of the wickets on the Indian pitches.

The Punjab spinner has taken 265 wickets on the Indian soil with an avg. of 28.76 and on the second day of the test match, Ashwin crossed Bhajji when he took the wicket of English batsman Ben Stokes. As of now, Ravichandran Ashwin has 268 wickets to his name in 86 innings on the Indian pitches. As far as the highest number of test wickets on the Indian soil is concerned, the record is in the name of former Indian cricketer Anil Kumble who has dismissed 350 batsmen in 115 innings.

While speaking in the press conference, Ashwin said that when he saw Turbanator playing the 2001 series, he didn’t even imagine that he would also play as an off-spinner for the nation. He also talked about the time when he was playing for his state team as only a batsman and had no idea whether he would ever be able to play for India or not.

Ashwin also said that many of his teammates used to laugh at him as he tried to copy Bhajji’s action while bowling. He called it a really special moment for him as he broke the record of the player whom he used to follow and he is quite happy about it. However, Ashwin also apologized to Bhajji for breaking his record by saying, “Sorry Bhajju Pa…”

Talking about the India-England test match, India has scored 247/9 with Ashwin (87) and Mohammed Siraj (0) in the second innings and the total lead that India has taken over England is 442 runs. As it is the 3^rd day, we feel that India has far better chances of winning this test match than England. What do you say?

The post Ashwin Reacts After Breaking Harbhajan Singh’s Record Of Highest Test Wickets In India appeared first on RVCJ Media.

The coronavirus lockdown may have forced us to remain in our houses but it also gave us a chance to discover the inner talent which we were not able to explore due to our routine life.

As per the reports, 15 years old Prathamesha Sutara used the lockdown for creating an electric bike which is very cost effective in comparison to the electric bikes available in the market. Prathamesha is from Belgaum, Karnataka, and his father is an electrician who runs a shop in Nippani Taluk. Prathamesha took the help of Internet and he also used the scrap material which he got in his father’s shop.

Prathamesha says that as the prices of fuel are very high nowadays and it is very difficult for a common man to manage, he thought of creating an electric bike with the help of his father. He added that he had no work in the lockdown as the government closed down the schools and even after the lockdown was lifted, schools were closed for many days which gave him ample time to work on his bike.

Talking about his bike, Prathamesha says that the maximum speed of the bike is 40km/hr and after battery gets fully charged, the bike gives a mileage of 40 km but what makes it unique from others is that it also has a reverse gear. Prathamesha’s bike costs Rs. 25K and he also reveals that for making electric rechargeable motor, he has purchased 750-watt motor, Lead Acid 48 voltage battery and 48 voltage motor.

Prathamesha’s father Prakash Sutara is also very happy with what his son has done in his free time. Prakash states that despite being an electrician, he wasn’t aware much of the mechanism of an electric bike but he learned a lot from his son and he is hopeful that one day, Prathamesha will do something bigger than this and make them proud.

We wish Prathamesha luck for all his future endeavours!

Not everything was bad about 2020, what do you say?

The post 15-Yr Boy Builds Rs 25K Electric Bike With Reverse Gear Using Scrap Parts In Father’s Shop appeared first on RVCJ Media.