Vimal Vijayan

• Vimal Vijayan is a major in Philosophy with a background in Music, Artistry, Research, and Teaching. More often than not, he is as confused as a cow on an astroturf but oddly that's just his strategy for staying lazy. Also, he likes to play Chess. Fin.

28 Stories by Author: Vimal Vijayan

RBI's New Hedging Rule Expected to Slash India's Currency Derivatives Trading by 80%
April 15, 2024

RBI's New Hedging Rule Expected to Slash India's Currency Derivatives Trading by 80% The Reserve Bank of India's (RBI) new regulation requiring exchange-traded rupee derivative transactions is expected to cause a dramatic plunge in trading volumes. According to industry experts, the decline can be more than 80%, potentially crippling a…

Category:Financial News
Credit Appraisal: Unraveling the Economic Enigma!
July 13, 2023

Have you ever found yourself lost in the labyrinth of financial terms and credit jargon, with 'credit appraisal' adding to your baffling list? Well, consider this your lifeboat in the tempestuous ocean of banking terminologies. What is credit appraisal, you ask? It's nothing short of an economic detective story where…

Category:Personal Loan Archive
Small Loans : Get Instant Cash Loans
July 06, 2023

In India, small loans have become a crucial financial tool for individuals seeking immediate funds to address their urgent financial needs. These short-term loans, typically ranging from a few hundred to a few thousand rupees, offer a convenient and accessible solution for those facing unexpected expenses, emergency situations, or temporary…

Category:Personal Loan Archive
No Credit Check Loans: The Savior of Low Credit Score Borrowers
July 03, 2023

As the name suggests, no credit check loans are ideal for those with a poor credit history. When it comes to loans without credit check, the lender can perform the same thing without retrieving the borrower's CIBIL score or history. However, given the borrower's overall risk profile, which normally improves…

Category:Personal Loan Archive
HDFC Bank Merger: Changes for HDFC FD Customers; Annual Results and Dividend Awaited
June 15, 2023

In a significant development in the financial sector, HDFC Ltd and HDFC Bank have recently announced their long-awaited merger. The merger between these leading entities, HDFC and HDFC Bank, will bring about several changes and opportunities for customers and shareholders. HDFC, the leading housing finance company, and HDFC Bank, one…

Category:Financial News
Tamil Nadu Encumbrance Certificate (TNREGINET)
May 12, 2023

When considering buying or selling a property, it will be imperative to check whether the property has an encumbrance certificate available. This is essential as one will have access to information about the property's current owner as per government records, the transactions the property went through, and whether the property…

Category:Home Loan Archive
Credit Rating Agencies In India
May 11, 2023

It will be intriguing to know that there are agencies that solely involve themselves with the analysis and grading of investment instruments and credit risk. These deem useful for many banks and lending institutions in determining how much capital they can deploy on an individual or entity on a credit…

Category:CIBIL Score Archive
Home Loan Principal Amount: Tips for Borrowers
May 04, 2023

There are multiple facets of a home loan. But the majority of it is covered by the part known as the home loan principal amount. Many first-time home buyers who are looking for financial assistance are often confused about these elements of a home loan. However, it will be prudent…

Category:Home Loan Archive
Home Loan Disbursement Stages
May 03, 2023

Purchasing a home is a significant milestone in everyone's life, but it can be a daunting task, especially when it comes to financing. A home loan can be an excellent solution for people who do not have the means to buy a property outright. However, the process of availing of…

Category:Home Loan Archive
Certificate of Occupancy : What it is and Why it is Important
March 29, 2023

An occupancy certificate is an official document issued by the local government or building authority that confirms that a building or a specific part of a building is suitable and safe for occupancy. It is usually issued after the completion of construction work and a building inspector has inspected the…

Category:Home Loan Archive