LoansThe term loan refers to a type of credit vehicle in which a sum of money is lent to another party in exchange for future repayment of the value or principal amount. In many cases, the lender also adds interest or finance charges to the principal value, which the borrower must repay in addition to the principal balance.
Loans may be for a specific, one-time amount, or they may be available as an open-ended line of credit up to a specified limit. Loans come in many different forms including secured, unsecured, commercial, and personal loans.
Small CaseA smallcase is a basket of stocks that reflects an idea. Some baskets are created by SEBI registered experts of smallcase company, some by experts(bloggers, YouTubers) and you can create the baskets or small cases yourself too. Investing in multiple stocks protects you against volatility in a specific stock.
For Example, Dividend aristocrat’s small case is collection of stocks that are focused on stocks with good dividends. There are different stocks in different weightage to make a portfolio.
The different smallcases including asset allocation, smart beta, model-based and sectoral strategies. For example, All-Weather (offers exposure to equity, gold and fixed income via ETFs), Smart Beta (largecap stocks oriented).
Loan against Securities (LAS)Loan against property helps you to avail timely finance instead of selling off the securities in a haste. The limit of the financial assistance depends on the security that you have pledged. Usually a current account is opened in the borrower’s name and the rate of interest is calculated on the amount that is withdrawn by you during the period of utilisation.
When you pledge a security, you get steady cash easily at the time you need it the most and this also means that you won't have to sell your shares and not benefit from the bonus and dividends.
WillA Will is a legal document that expresses your wishes w.r.t the distribution of your property, assets, and the care of any minor children. Without a Will, things would not likely pan out as you wished they had after your death. Your heirs will also have to spend extra time, energy, and money to claim what could easily have been theirs and to settle your affairs.
Real Estate.A real estate business deals with the buying, selling, management, operation, or investment of land and buildings. Real estate can also include natural resources below or above the land, such as crops, minerals, or water.
ITRIncome Tax Return (ITR) is a form in which the taxpayers file information about their income earned and tax applicable, to the income tax department.
The department has notified 7 various forms i.e. ITR-1, ITR-2, ITR-3, ITR-4, ITR-5, ITR-6 & ITR-7 to date. Every taxpayer should file his ITR on or before the specified due date. The applicability of ITR forms varies depending on the sources of income of the taxpayer, the amount of the income earned and the category of the taxpayer like individuals, HUF, company, etc.
