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Tour operators woo women travellers with Holiday-Now-Pay-Later schemes. Should you opt?

Travellers with a good credit history are eligible to apply for Holiday-now-pay-later schemes. It’s an unsecured loan product so interest rates are 20-30 percent per annum leading to higher interest payout in the loan tenure. ....

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rbi: How RBI is trying to make banking services customer friendly? Aparna Ramachandra explains

The Reserve Bank of India is implementing measures to improve the customer experience in the banking sector. The RBI Banking Ombudsman will now have more authority, with online applications and a 30-day resolution window. Simplifying the process of settling accounts of deceased customers is a priority, along with returning deposits to nominees. Public sector banks, which have faced criticism for weak grievance redressal mechanisms, will need to proactively adopt the RBI s guidelines. Customers are advised to document their complaints and escalate them if necessary. ....

Aparna Ramachandra , Supreme Court , Founder Director , Banking Services , Rectifycredit Com , Personal Finance , Customer Friendly , Rbi Banking Ombudsman , Expert View , Et Now ,

rbi: 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 loan and to have a copy of that because we have often seen borrowers say they do not have the original paper and also do not know what all documents they had given.” ....

Uttar Pradesh , Aparna Ramachandra , Offering College , Indian School Of Business , Founder Director , Leadership Excellence , Marketing Officer , Rbi Directive , Property Documents , Rectifycredit Com , Borrowers Responsibility , Expert View , Personal Finance , Et Now ,

credit cards: 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 season and opt for a higher credit card limit if offered by providers. She also advises that people create a budget before spending and repay the whole amount promptly to avoid defaulting and accumulating unnecessary debt. ....

Aparna Ramachandra , Founder Director , Credit Cards , Smart Use , Personal Finance , Rectifycredit Com , Festive Season , Expert View , Et Now ,

CIBIL: Why has RBI fined 4 credit bureau agencies? Aparna Ramachandra explains

CIBIL: Why has RBI fined 4 credit bureau agencies? Aparna Ramachandra explains
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