Author: admin@thebankingtimes.in
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NFO Review: Motilal Oswal Consumption Fund (Direct – Growth) Launched
Motilal Oswal Consumption Fund (Direct – Growth) is a new thematic index fund tracking the NIFTY India Consumption TRI. With SIPs starting at ₹500 and a Very High risk profile, this NFO offers investors exposure to India’s long-term consumption growth story. But should it be part of your portfolio? Here’s a complete review with features,…
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Zerodha Nifty 50 Index Fund: A Low-Cost Way to Invest in India’s Top 50 Companies
The Zerodha Nifty 50 Index Fund Direct – Growth offers a simple, low-cost entry into India’s equity markets. With SIPs starting at ₹500, no exit load, and exposure to the Nifty 50 TRI, this fund is ideal for long-term investors seeking transparent and stable wealth creation.
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Over ₹10,900 Cr Loans Sanctioned Under PM Surya Ghar Muft Bijli Yojana: How You Benefit
Public Sector Banks have sanctioned more than 5.7 lakh loan applications worth ₹10,907 crore under the PM Surya Ghar Muft Bijli Yojana. With new features like co-applicants, no capacity caps, and collateral-free loans, the scheme is making rooftop solar more accessible to households across India.
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Check if Your Family Has Unclaimed Funds Lying with RBI Through UDGAM
Over ₹1.84 trillion lies unclaimed in dormant bank accounts, insurance policies, PF balances, and old shares. With RBI’s UDGAM portal, citizens can now trace and claim their forgotten deposits in one place. Here’s how the platform works, why it matters, and how you can access your rightful funds.
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RBI Brings Co-operative Banks Under Ombudsman: What It Means for You
Starting November 1, 2025, customers of State and Central Co-operative Banks can file complaints directly under RBI’s Integrated Ombudsman Scheme. This move ensures faster, fairer, and uniform grievance redressal across commercial banks, NBFCs, RRBs, and now co-operative banks.
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Floating vs Fixed Rate Loans: Which One Should You Choose in 2025?
Confused between floating and fixed rate loans? With RBI’s new guidelines on rate resets, banks must now offer clearer options to borrowers. This article explains how floating and fixed loans work, their pros and cons, RBI’s latest rules, and tips on choosing the right loan for your needs.
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Forex Made Easy: How Bank Customers Can Now Buy USD via Apps Like CRED & Mobikwik
RBI has linked the FX-Retail platform with Bharat Bill Payment System (Bharat Connect), allowing customers of SBI, ICICI, Axis, Federal, and Yes Bank to purchase US dollars directly through apps like CRED and Mobikwik or internet banking. This makes forex transactions faster, transparent, and more accessible for retail users.
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Top-Up Loan vs Personal Loan: Which is Smarter for Extra Funds?
Need extra money after taking a home loan? A top-up loan could be your best choice. With lower interest rates and longer tenure compared to personal loans, it reduces EMI stress and saves on overall cost. Here’s a detailed comparison of how top-up loans stack up against personal loans
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Loan Restructure 2025: How Banks Are Helping Borrowers Ease EMI Burden
Struggling with EMIs due to job loss, business slowdown, or emergencies? Loan restructuring in 2025 lets banks reduce your EMI, extend tenure, or give a moratorium to ease repayment pressure. Here’s how it works, with examples and real-life insights.
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Personal Loan vs Gold Loan: Which One Should You Choose in 2025?
Confused between a personal loan and a gold loan? Here’s a detailed comparison of both options, including interest rates across top public and private sector banks, repayment flexibility, and overall suitability.